The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M COM 88579y101   619,729 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101   871,080 10,500 SH   SOLE   0 0 10,500
AT&T COM 030177109   215,947 11,218 SH   SOLE   0 0 11,218
Abbott Laboratories COM 002824100   3,114,353 30,756 SH   SOLE   182 0 30,574
Abbvie COM 00287Y109   5,519,302 34,632 SH   SOLE   0 0 34,632
Alphabet Class A COM 02079k305   192,938 1,860 SH   SOLE   0 0 1,860
Alphabet Class A COM 02079k305   51,865 500 SH   OTR 2 0 0 500
Alphabet Class C COM 02079k107   2,395,120 23,030 SH   SOLE   0 0 23,030
Alphabet Class C COM 02079k107   357,760 3,440 SH   OTR 2 0 0 3,440
Amazon COM 023135106   2,048,241 19,830 SH   SOLE   0 0 19,830
Amazon COM 023135106   61,974 600 SH   OTR 2 0 0 600
American Express COM 025816109   2,439,775 14,791 SH   SOLE   0 0 14,791
American Water Works COM 030420103   791,778 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106   735,600 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100   1,361,536 5,632 SH   SOLE   600 0 5,032
Anheuser-Busch COM 03524a108   564,736 8,463 SH   SOLE   0 0 8,463
Apollo Global Mgmt. LLC COM 037612306   201,607 3,192 SH   SOLE   0 0 3,192
Apple COM 037833100   6,281,041 38,090 SH   SOLE   2,200 0 35,890
Apple COM 037833100   697,527 4,230 SH   OTR 2 0 0 4,230
Applied Materials COM 038222105   2,363,495 19,242 SH   SOLE   0 0 19,242
Bank America COM 060505104   216,531 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100   558,458 12,290 SH   SOLE   7,392 0 4,898
Becton Dickinson COM 075887109   1,510,984 6,104 SH   SOLE   0 0 6,104
Boeing COM 097023105   212,430 1,000 SH   SOLE   0 0 1,000
Bristol-Myers Squibb COM 110122108   4,739,834 68,386 SH   SOLE   7,466 0 60,920
Bristol-Myers Squibb COM 110122108   446,703 6,445 SH   OTR 2 0 0 6,445
CMS Energy COM 125896100   943,288 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100   1,207,166 16,245 SH   SOLE   0 0 16,245
Caterpillar COM 149123101   207,787 908 SH   SOLE   0 0 908
Chevron COM 166764100   2,612,028 16,009 SH   SOLE   716 0 15,293
Chevron COM 166764100   376,247 2,306 SH   OTR 2 0 0 2,306
Cigna COM 125509109   327,589 1,282 SH   SOLE   0 0 1,282
Cisco Systems COM 17275R952   465,248 8,900 SH   SOLE   0 0 8,900
Cisco Systems COM 17275R952   55,412 1,060 SH   OTR 2 0 0 1,060
Clorox COM 189054109   2,863,511 18,096 SH   SOLE   2,320 0 15,776
Coca-Cola COM 191216100   538,544 8,682 SH   SOLE   0 0 8,682
Corteva COM 22052l104   768,169 12,737 SH   SOLE   0 0 12,737
D R Horton COM 23331A109   2,102,777 21,525 SH   SOLE   0 0 21,525
Dell COM 24703l103   1,005,250 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101   2,229,487 24,035 SH   SOLE   0 0 24,035
Discover Financial Services COM 254709108   347,917 3,520 SH   SOLE   0 0 3,520
Disney COM 254687106   2,676,275 26,728 SH   SOLE   1,500 0 25,228
Disney COM 254687106   40,052 400 SH   OTR 2 0 0 400
Dolby Class A COM 25659T107   947,308 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108   2,616,559 17,221 SH   SOLE   0 0 17,221
Dow COM 260557103   878,819 16,031 SH   SOLE   2,958 0 13,073
Du Pont (E.I) de Nemours COM 26614N102   1,648,414 22,968 SH   SOLE   2,958 0 20,010
Eli Lilly COM 532457108   456,749 1,330 SH   SOLE   0 0 1,330
Emerson Electric COM 291011104   906,517 10,403 SH   SOLE   3,200 0 7,203
Emerson Electric COM 291011104   272,138 3,123 SH   OTR 2 0 0 3,123
Equifax COM 294429105   286,613 1,413 SH   OTR 2 0 0 1,413
Exxon Mobil COM 30231G102   5,477,736 49,952 SH   SOLE   6,675 0 43,277
Exxon Mobil COM 30231G102   477,898 4,358 SH   OTR 2 0 0 4,358
FedEx COM 31428x106   687,526 3,009 SH   SOLE   0 0 3,009
First American Financial COM 31847r102   237,947 4,275 SH   SOLE   0 0 4,275
GE Healthcare COM 36266g107   223,532 2,725 SH   SOLE   75 0 2,650
GE Healthcare COM 36266g107   20,343 248 SH   OTR 2 0 0 248
General Electric COM 369604301   783,356 8,194 SH   SOLE   225 0 7,969
General Electric COM 369604301   71,509 748 SH   OTR 2 0 0 748
Goldman Sachs COM 38141G104   668,940 2,045 SH   SOLE   0 0 2,045
Home Depot COM 437076102   3,020,553 10,235 SH   SOLE   700 0 9,535
Hubbell COM 443510607   1,189,786 4,890 SH   SOLE   0 0 4,890
Humana COM 444859102   2,332,150 4,804 SH   SOLE   0 0 4,804
Huntington Bancshares COM 446150104   1,213,598 108,357 SH   SOLE   0 0 108,357
Huntington Ingalls Ind. COM 446413106   1,432,992 6,922 SH   SOLE   0 0 6,922
Icon PLC COM G4705A100   1,943,883 9,101 SH   SOLE   0 0 9,101
Intel COM 458140100   2,140,604 65,522 SH   SOLE   2,800 0 62,722
Intel COM 458140100   49,005 1,500 SH   OTR 2 0 0 1,500
International Business Machine COM 459200101   2,512,340 19,165 SH   SOLE   1,610 0 17,555
Intuit COM 461202103   806,510 1,809 SH   SOLE   0 0 1,809
JPMorgan Chase COM 46625h100   8,109,973 62,236 SH   SOLE   1,224 0 61,012
JPMorgan Chase COM 46625h100   1,064,763 8,171 SH   OTR 2 0 0 8,171
Jacobs Solutions COM 46982L108   796,130 6,775 SH   SOLE   0 0 6,775
Johnson & Johnson COM 478160104   14,486,455 93,461 SH   SOLE   6,471 0 86,990
Johnson & Johnson COM 478160104   641,545 4,139 SH   OTR 2 0 0 4,139
Kimberly Clark COM 494368103   13,422 100 SH   SOLE   0 0 100
Kimberly Clark COM 494368103   330,584 2,463 SH   OTR 2 0 0 2,463
Kroger COM 501044101   1,742,070 35,286 SH   SOLE   0 0 35,286
Laboratory Corp. of America COM 50540r409   1,706,655 7,439 SH   SOLE   0 0 7,439
Lear Corp. COM 521865204   934,583 6,700 SH   SOLE   0 0 6,700
Lowes COM 548661107   1,195,021 5,976 SH   SOLE   0 0 5,976
Marriott Vacations Worldwide COM 57164Y107   1,077,262 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106   560,792 11,279 SH   SOLE   0 0 11,279
Match Group COM 57665r106   249,381 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206   1,519,914 18,266 SH   SOLE   9,600 0 8,666
McDonald's Corp. COM 580135101   2,154,675 7,706 SH   SOLE   1,707 0 5,999
Merck COM 58933y105   3,246,384 30,514 SH   SOLE   2,548 0 27,966
Merck COM 58933y105   494,075 4,644 SH   OTR 2 0 0 4,644
Microsoft COM 594918104   5,340,181 18,523 SH   SOLE   800 0 17,723
Microsoft COM 594918104   351,149 1,218 SH   OTR 2 0 0 1,218
Mondelez COM 609207105   276,858 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105   289,495 946 SH   SOLE   0 0 946
Nasdaq COM 631103108   1,476,910 27,015 SH   SOLE   0 0 27,015
Nestle ADR COM 641069406   5,131,274 42,057 SH   SOLE   5,000 0 37,057
Newmont Mining Corp. COM 651639106   1,631,925 33,291 SH   SOLE   0 0 33,291
Norfolk Southern COM 655844108   413,400 1,950 SH   OTR 2 0 0 1,950
Nvidia Corp. COM 67066G104   1,627,732 5,860 SH   SOLE   0 0 5,860
Old Republic COM 680223104   674,190 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109   254,753 1,835 SH   SOLE   0 0 1,835
Paychex COM 704326107   272,151 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108   4,062,556 22,285 SH   SOLE   94 0 22,191
PepsiCo COM 713448108   785,348 4,308 SH   OTR 2 0 0 4,308
Pfizer COM 717081103   5,242,800 128,500 SH   SOLE   17,446 0 111,054
Pfizer COM 717081103   227,460 5,575 SH   OTR 2 0 0 5,575
Procter & Gamble COM 742718109   4,946,173 33,265 SH   SOLE   2,437 0 30,828
Procter & Gamble COM 742718109   677,878 4,559 SH   OTR 2 0 0 4,559
Quaker Houghton COM 747316107   247,438 1,250 SH   SOLE   0 0 1,250
Qualcomm COM 747525103   982,494 7,701 SH   SOLE   600 0 7,101
Quanta Services COM 74762E102   2,673,239 16,042 SH   SOLE   0 0 16,042
Raytheon Technologies COM 75513e101   268,230 2,739 SH   SOLE   0 0 2,739
Reliance Steel & Aluminum COM 759509102   2,511,174 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109   1,459,914 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104   2,681,276 7,777 SH   SOLE   500 0 7,277
Schlumberger COM 806857108   193,159 3,934 SH   SOLE   600 0 3,334
Schlumberger COM 806857108   167,677 3,415 SH   OTR 2 0 0 3,415
Schwab, Charles COM 808513105   2,309,801 44,097 SH   SOLE   0 0 44,097
Synopsys COM 871607107   1,915,800 4,960 SH   SOLE   0 0 4,960
Target COM 87612E106   403,640 2,437 SH   SOLE   0 0 2,437
Teledyne Technologies COM 879360106   300,179 671 SH   SOLE   0 0 671
Travelers COM 89417E109   226,604 1,322 SH   SOLE   0 0 1,322
Truist Financial COM 89832q109   1,169,255 34,289 SH   SOLE   0 0 34,289
Union Pacific COM 907818108   981,948 4,879 SH   SOLE   400 0 4,479
Union Pacific COM 907818108   324,230 1,611 SH   OTR 2 0 0 1,611
United Health Group COM 91324P102   1,622,874 3,434 SH   SOLE   0 0 3,434
United Parcel Service 'B' COM 911312106   938,912 4,840 SH   SOLE   300 0 4,540
United Rentals COM 911363109   1,269,598 3,208 SH   SOLE   0 0 3,208
VMware COM 928563402   1,375,223 11,015 SH   SOLE   0 0 11,015
Verizon Communications COM 92343v104   1,234,796 31,751 SH   SOLE   1,700 0 30,051
Viatris COM 92556v106   145,002 15,073 SH   SOLE   2,164 0 12,909
Wal-Mart Stores COM 931142103   1,815,699 12,314 SH   SOLE   0 0 12,314
Waste Management COM 94106L109   2,526,361 15,483 SH   SOLE   0 0 15,483
Westlake Chemical Corp. COM 960413102   778,342 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105   502,633 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101   415,392 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102   753,236 5,830 SH   SOLE   1,255 0 4,575
Zimmer Biomet COM 98956p102   197,288 1,527 SH   OTR 2 0 0 1,527
Zoetis COM 98978v103   1,822,518 10,950 SH   SOLE   0 0 10,950
Hoya Capital High Dividend Yie COM 26922b840   397,182 38,674 SH   SOLE   10,000 0 28,674
Hoya Capital Housing COM 26922a230   6,409,979 186,942 SH   SOLE   68,752 0 118,190
Ishares Russell Midcap Index COM 464287499   202,768 2,900 SH   SOLE   0 0 2,900
Kite Realty Group COM 49803t300   549,150 26,250 SH   SOLE   0 0 26,250
Mid America Apartment Communit COM 59522J103   1,182,794 7,831 SH   SOLE   0 0 7,831
Sun Communities COM 866674104   453,634 3,220 SH   SOLE   0 0 3,220
Terreno Realty Corp. COM 88146m101   668,610 10,350 SH   SOLE   0 0 10,350