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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM COM 88579Y101 6,218 45,553 SH   SOLE   45,553 0 0
A.O. Smith Corp. COM 831865209 10,369 274,248 SH   SOLE   274,248 0 0
Abbott Laboratories COM 002824100 16,439 208,331 SH   SOLE   208,331 0 0
AbbVie Inc. COM 00287y109 14,043 184,313 SH   SOLE   184,313 0 0
Abiomed Inc. COM 003654100 414 2,852 SH   SOLE   2,852 0 0
Activision, Inc. COM 00507V109 326 5,482 SH   SOLE   5,482 0 0
Adobe Inc. COM 00724F101 12,535 39,388 SH   SOLE   39,388 0 0
AFLAC Inc. COM 001055102 202 5,903 SH   SOLE   5,903 0 0
Air Products and Chemical Co. COM 009158106 731 3,660 SH   SOLE   3,660 0 0
Alibaba Group Holding Ltd COM 01609w102 682 3,506 SH   SOLE   3,506 0 0
AllianzGI Convertible & Income COM 018825109 35 10,500 SH   SOLE   10,500 0 0
Alphabet Inc Cl A COM 02079K305 11,814 10,167 SH   SOLE   10,167 0 0
Alphabet Inc Cl C COM 02079K107 6,479 5,572 SH   SOLE   5,572 0 0
ALPS Trust Alerian MLP ETF COM 00162q866 421 122,263 SH   SOLE   122,263 0 0
Altria Group, Inc. COM 02209S103 566 14,644 SH   SOLE   14,644 0 0
Amazon.com, Inc. COM 023135106 1,936 993 SH   SOLE   993 0 0
American Express COM 025816109 689 8,053 SH   SOLE   8,053 0 0
American International Group I COM 026874784 226 9,330 SH   SOLE   9,330 0 0
American Tower Corporation COM 03027x100 393 1,805 SH   SOLE   1,805 0 0
American Water Works, Inc. COM 030420103 3,746 31,335 SH   SOLE   31,335 0 0
Amgen COM 031162100 663 3,271 SH   SOLE   3,271 0 0
Apple Inc Com COM 037833100 70,330 276,576 SH   SOLE   276,576 0 0
Applied Materials, Inc. COM 038222105 235 5,125 SH   SOLE   5,125 0 0
Ashland Global Holdings, Inc. COM 044186104 1,141 22,785 SH   SOLE   22,785 0 0
AT&T, Inc. COM 00206r102 14,940 512,523 SH   SOLE   512,523 0 0
Autodesk, Inc. COM 052769106 295 1,889 SH   SOLE   1,889 0 0
Automatic Data Processing COM 053015103 1,098 8,034 SH   SOLE   8,034 0 0
Bank of America Corp. COM 060505104 2,728 128,480 SH   SOLE   128,480 0 0
Baxter International COM 071813109 251 3,090 SH   SOLE   3,090 0 0
Becton, Dickinson Co COM 075887109 309 1,344 SH   SOLE   1,344 0 0
Berkshire Hathaway Inc. Class COM 084670702 706 3,860 SH   SOLE   3,860 0 0
Boeing Corp. COM 097023105 433 2,901 SH   SOLE   2,901 0 0
BP Amoco PLC - Spons ADR COM 055622104 1,242 50,909 SH   SOLE   50,909 0 0
Bristol Myers Squibb Co COM 110122108 2,649 47,527 SH   SOLE   47,527 0 0
Broadcom Inc. COM 11135F101 626 2,640 SH   SOLE   2,640 0 0
Canadian National Railway Co. COM 136375102 8,118 104,578 SH   SOLE   104,578 0 0
Capstar Financial Holdings, In COM 14070t102 105 10,612 SH   SOLE   10,612 0 0
CarMax, Inc. COM 143130102 1,107 20,570 SH   SOLE   20,570 0 0
Caterpillar COM 149123101 252 2,175 SH   SOLE   2,175 0 0
ChevronTexaco Corporation COM 166764100 3,729 51,464 SH   SOLE   51,464 0 0
Chubb LTD. COM H1467J104 363 3,251 SH   SOLE   3,251 0 0
Cisco Systems, Inc. COM 17275R102 11,857 301,623 SH   SOLE   301,623 0 0
Citigroup, Inc. COM 172967424 2,681 63,649 SH   SOLE   63,649 0 0
Citrix Sys Inc Com COM 177376100 609 4,299 SH   SOLE   4,299 0 0
Coca Cola Company COM 191216100 7,437 168,063 SH   SOLE   168,063 0 0
Colgate-Palmolive Co. COM 194162103 718 10,817 SH   SOLE   10,817 0 0
Comcast Corporation - Class A COM 20030N101 8,992 261,540 SH   SOLE   261,540 0 0
Communication Services Select COM 81369y852 588 13,295 SH   SOLE   13,295 0 0
ConocoPhillips COM 20825C104 3,725 120,927 SH   SOLE   120,927 0 0
Constellation Brands, Inc. COM 21036P108 9,992 69,699 SH   SOLE   69,699 0 0
Corning Inc Com COM 219350105 480 23,390 SH   SOLE   23,390 0 0
Costco Wholesale Corp. COM 22160K105 9,715 34,071 SH   SOLE   34,071 0 0
Crown Castle International Cor COM 22822v101 772 5,343 SH   SOLE   5,343 0 0
CSX Corp. COM 126408103 245 4,282 SH   SOLE   4,282 0 0
CVS/Caremark Corp. COM 126650100 651 10,973 SH   SOLE   10,973 0 0
Delta Airlines COM 247361702 3,615 126,693 SH   SOLE   126,693 0 0
DexCom Inc. COM 252131107 3,732 13,858 SH   SOLE   13,858 0 0
Dixie Group, Inc. COM 255519100 15 23,300 SH   SOLE   23,300 0 0
DocuSign Inc. COM 256163106 4,164 45,067 SH   SOLE   45,067 0 0
Dolby Laboratories, Inc. COM 25659t107 2,658 49,030 SH   SOLE   49,030 0 0
Dollar General COM 256677105 435 2,880 SH   SOLE   2,880 0 0
Dominion Res Inc VA New COM 25746U109 1,248 17,287 SH   SOLE   17,287 0 0
Dover Corp. COM 260003108 248 2,950 SH   SOLE   2,950 0 0
Dow Inc. COM 260557103 1,226 41,946 SH   SOLE   41,946 0 0
Duke Energy Corp. COM 26441C204 5,648 69,836 SH   SOLE   69,836 0 0
Dupont De Nemours, Inc. COM 26614N102 527 15,444 SH   SOLE   15,444 0 0
Eaton Corp. PLC COM G29183103 889 11,439 SH   SOLE   11,439 0 0
Ecolabs COM 278865100 3,082 19,776 SH   SOLE   19,776 0 0
Edwards Lifesciences Corp. COM 28176E108 13,004 68,943 SH   SOLE   68,943 0 0
Electronic Arts, Inc. COM 285512109 1,147 11,446 SH   SOLE   11,446 0 0
Eli Lilly COM 532457108 775 5,590 SH   SOLE   5,590 0 0
Emerson Elec Co Com COM 291011104 717 15,038 SH   SOLE   15,038 0 0
Enbridge Inc COM 29250N105 337 11,601 SH   SOLE   11,601 0 0
Energy Select Sector SPDR COM 81369y506 331 11,395 SH   SOLE   11,395 0 0
Enterprise Products Partners COM 293792107 192 13,448 SH   SOLE   13,448 0 0
Exact Sciences Corp COM 30063P105 946 16,309 SH   SOLE   16,309 0 0
Exxon Mobil Corporation COM 30231G102 3,332 87,752 SH   SOLE   87,752 0 0
Facebook Inc. A COM 30303M102 213 1,274 SH   SOLE   1,274 0 0
FEDEX Corporation COM 31428X106 930 7,672 SH   SOLE   7,672 0 0
Financial Select Sector SPDR ( COM 81369y605 566 27,187 SH   SOLE   27,187 0 0
Frelii, Inc. COM 357051101 1 14,000 SH   SOLE   14,000 0 0
General Electric Corp. COM 369604103 1,407 177,169 SH   SOLE   177,169 0 0
General Mills COM 370334104 424 8,028 SH   SOLE   8,028 0 0
General Motors COM 37045V100 2,392 115,118 SH   SOLE   115,118 0 0
Gilead Sciences Inc COM 375558103 395 5,280 SH   SOLE   5,280 0 0
Goldman Sachs Access Treasury COM 381443052 226 2,238 SH   SOLE   2,238 0 0
HCA Healthcare Co. COM 40412c101 696 7,741 SH   SOLE   7,741 0 0
Health Care Select Sector COM 81369y209 3,396 38,341 SH   SOLE   38,341 0 0
Hilton Worldwide Holdings Inc. COM 43300A203 1,118 16,387 SH   SOLE   16,387 0 0
Home Depot COM 437076102 5,344 28,620 SH   SOLE   28,620 0 0
Honeywell International, Inc. COM 438516106 5,581 41,718 SH   SOLE   41,718 0 0
I Shares Transportation Index COM 464287192 235 1,700 SH   SOLE   1,700 0 0
Imperial Oil Ltd. COM 453038408 129 11,407 SH   SOLE   11,407 0 0
Industrial Select Spdr COM 81369y704 1,081 18,322 SH   SOLE   18,322 0 0
Ingevity Corporation COM 45688C107 5,071 144,051 SH   SOLE   144,051 0 0
Intel Corporation COM 458140100 20,647 381,505 SH   SOLE   381,505 0 0
International Business Machine COM 459200101 818 7,371 SH   SOLE   7,371 0 0
Intuit, Inc. COM 461202103 6,050 26,305 SH   SOLE   26,305 0 0
Invesco QQQ Trust Series 1 COM 46090E103 920 4,831 SH   SOLE   4,831 0 0
Invesco S&P 500 High Dividend COM 46138E362 803 26,760 SH   SOLE   26,760 0 0
Invesco S&P 500 Low Volatility COM 46138E354 1,075 22,906 SH   SOLE   22,906 0 0
Invesco S&P Equal Weight ETF COM 46137V357 376 4,478 SH   SOLE   4,478 0 0
IShares Core S&P 500 Index Fun COM 464287200 1,469 5,684 SH   SOLE   5,684 0 0
IShares Core S&P Midcap 400 In COM 464287507 378 2,626 SH   SOLE   2,626 0 0
iShares Core S&P U.S Growth ET COM 464287671 387 6,779 SH   SOLE   6,779 0 0
iShares Core S&P U.S. Value ET COM 464287663 205 4,448 SH   SOLE   4,448 0 0
IShares DJ US Financial Sect COM 464287788 7,182 73,831 SH   SOLE   73,831 0 0
IShares DJ US Financial Servic COM 464287770 1,006 9,803 SH   SOLE   9,803 0 0
Ishares DJ US Healthcare COM 464287762 234 1,248 SH   SOLE   1,248 0 0
Ishares Dow Jones Select Divid COM 464287168 487 6,620 SH   SOLE   6,620 0 0
iShares Dow Jones U.S. Consume COM 464287580 345 1,948 SH   SOLE   1,948 0 0
iShares Dow Jones U.S. Technol COM 464287721 795 3,890 SH   SOLE   3,890 0 0
IShares Dow Jones US Pharmaceu COM 464288836 859 6,385 SH   SOLE   6,385 0 0
iShares Dow Jones US Regional COM 464288778 227 7,835 SH   SOLE   7,835 0 0
iShares High Dividend Equity F COM 46429b663 774 10,823 SH   SOLE   10,823 0 0
IShares MSCI Emergin Mkt COM 464287234 1,461 42,822 SH   SOLE   42,822 0 0
IShares MSCI EMU COM 464286608 706 23,140 SH   SOLE   23,140 0 0
Ishares MSCI USA Minimum Volat COM 46429B697 406 7,512 SH   SOLE   7,512 0 0
Ishares Russell 2000 COM 464287655 1,241 10,846 SH   SOLE   10,846 0 0
IShares Russell 2000 Value COM 464287630 313 3,815 SH   SOLE   3,815 0 0
Ishares S&P Global Tech Sector COM 464287291 17,314 94,942 SH   SOLE   94,942 0 0
IShares S&P Smallcap 600 COM 464287804 241 4,292 SH   SOLE   4,292 0 0
J C Penney Co, Inc. COM 708160106 4 12,300 SH   SOLE   12,300 0 0
Johnson and Johnson COM 478160104 11,512 87,790 SH   SOLE   87,790 0 0
JP Morgan Chase & Co Com COM 46625H100 12,103 134,432 SH   SOLE   134,432 0 0
JPMorgan Diversified Return Eu COM 46641q605 316 6,985 SH   SOLE   6,985 0 0
KBW Regional Banking Index COM 78464a698 1,437 44,080 SH   SOLE   44,080 0 0
Keycorp COM 493267108 1,063 102,533 SH   SOLE   102,533 0 0
Kimberly-Clark COM 494368103 1,981 15,490 SH   SOLE   15,490 0 0
Kinder Morgan, Inc COM 49456b101 310 22,286 SH   SOLE   22,286 0 0
Kroger COM 501044101 1,624 53,924 SH   SOLE   53,924 0 0
L3Harris Technologies, Inc. COM 502431109 298 1,653 SH   SOLE   1,653 0 0
Linde PLC COM G5494J103 866 5,004 SH   SOLE   5,004 0 0
Lockheed Martin Corporation COM 539830109 555 1,638 SH   SOLE   1,638 0 0
Louisiana Pacific COM 546347105 2,445 142,300 SH   SOLE   142,300 0 0
Lowe's Companies COM 548661107 2,569 29,860 SH   SOLE   29,860 0 0
Lululemon Athletica Inc COM 550021109 3,482 18,370 SH   SOLE   18,370 0 0
Macom Technology Solutions COM 55405y100 280 14,765 SH   SOLE   14,765 0 0
Macquarie Infrastr Co LLC Memb COM 55608B105 1,553 61,515 SH   SOLE   61,515 0 0
Marriott International Inc. Cl COM 571903202 495 6,611 SH   SOLE   6,611 0 0
Masco Corp. COM 574599106 659 19,065 SH   SOLE   19,065 0 0
MasterCard Inc. - Class A COM 57636Q104 1,675 6,935 SH   SOLE   6,935 0 0
McDonald's Corp. COM 580135101 1,886 11,404 SH   SOLE   11,404 0 0
Medtronic, PLC COM G5960L103 377 4,181 SH   SOLE   4,181 0 0
Merck & Co., Inc. COM 58933y105 10,338 134,366 SH   SOLE   134,366 0 0
Microsoft, Inc. COM 594918104 29,830 189,146 SH   SOLE   189,146 0 0
Moderna, Inc. COM 60770k107 242 8,095 SH   SOLE   8,095 0 0
Mohawk Industries COM 608190104 594 7,786 SH   SOLE   7,786 0 0
Mondelez International Inc. (A COM 609207105 411 8,216 SH   SOLE   8,216 0 0
Morgan Stanley Com New COM 617446448 1,879 55,253 SH   SOLE   55,253 0 0
Nestle SA Spons ADR for REG COM 641069406 978 9,497 SH   SOLE   9,497 0 0
Netflix Inc. COM 64110L106 883 2,352 SH   SOLE   2,352 0 0
NextEra Energy, Inc. COM 65339f101 11,196 46,529 SH   SOLE   46,529 0 0
Nike Inc. Class B COM 654106103 7,612 91,996 SH   SOLE   91,996 0 0
Nokia Corp - ADR COM 654902204 1,843 594,620 SH   SOLE   594,620 0 0
Norfolk Southern Corp. COM 655844108 3,082 21,111 SH   SOLE   21,111 0 0
Northrop Grumman Corp. COM 666807102 1,123 3,712 SH   SOLE   3,712 0 0
Novartis A G Sponsored ADR COM 66987V109 5,480 66,466 SH   SOLE   66,466 0 0
Novocure Limited COM 130542697 303 4,500 SH   SOLE   4,500 0 0
Nvidia Corp COM 67066G104 1,112 4,220 SH   SOLE   4,220 0 0
O'Reilly Automotive, Inc. COM 67103H107 2,938 9,759 SH   SOLE   9,759 0 0
Occidental Pete Corp Del Com COM 674599105 568 49,061 SH   SOLE   49,061 0 0
Oracle Systems Corp COM 68389X105 292 6,049 SH   SOLE   6,049 0 0
Park Hotels & Resorts Inc. COM 700517105 436 55,153 SH   SOLE   55,153 0 0
Paychex, Inc. COM 704326107 411 6,536 SH   SOLE   6,536 0 0
PayPal Holdings, Inc. COM 70450Y103 12,841 134,121 SH   SOLE   134,121 0 0
Pepsico COM 713448108 6,732 56,054 SH   SOLE   56,054 0 0
Pfizer COM 717081103 3,308 101,353 SH   SOLE   101,353 0 0
Philip Morris International, I COM 718172109 766 10,506 SH   SOLE   10,506 0 0
Phillips 66 COM 718546104 1,199 22,342 SH   SOLE   22,342 0 0
Pinnacle Financial Partners, I COM 72346q104 1,275 33,966 SH   SOLE   33,966 0 0
Planet Fitness Inc. - Cl A COM 72703h101 1,217 24,996 SH   SOLE   24,996 0 0
Portola Pharmaceuticals, Inc. COM 737010108 131 18,325 SH   SOLE   18,325 0 0
Procter and Gamble COM 742718109 3,211 29,195 SH   SOLE   29,195 0 0
Progressive Corp. COM 743315103 16,819 227,771 SH   SOLE   227,771 0 0
Prudential Financial, Inc. COM 744320102 422 8,095 SH   SOLE   8,095 0 0
Pultegroup Inc. COM 745867101 3,589 160,809 SH   SOLE   160,809 0 0
Qualcomm, Inc. COM 747525103 3,322 49,110 SH   SOLE   49,110 0 0
Raytheon Company COM 755111507 9,393 71,623 SH   SOLE   71,623 0 0
Regeneron Pharmaceuticals COM 75886F107 227 465 SH   SOLE   465 0 0
Regions Financial Corp. COM 7591ep100 850 94,806 SH   SOLE   94,806 0 0
Republic Svcs Inc Com COM 760759100 1,216 16,200 SH   SOLE   16,200 0 0
Resmed, Inc. COM 761152107 245 1,665 SH   SOLE   1,665 0 0
Roche Hldg LTD Sponsored ADR COM 771195104 1,045 25,762 SH   SOLE   25,762 0 0
Royal Bank of Canada COM 780087102 420 6,830 SH   SOLE   6,830 0 0
S & P 500 Depositary Receipt ( COM 78462F103 7,059 27,386 SH   SOLE   27,386 0 0
Schwab US Dividend Equity ETF COM 808524797 364 8,098 SH   SOLE   8,098 0 0
Sempra Energy COM 816851109 205 1,816 SH   SOLE   1,816 0 0
Simmons First National Corp Cl COM 828730200 184 10,000 SH   SOLE   10,000 0 0
Southern Co. COM 842587107 893 16,491 SH   SOLE   16,491 0 0
SPDR Gold Trust COM 78463v107 771 5,211 SH   SOLE   5,211 0 0
SPDR MSCI ACWI (ex-US) ETF COM 78463x848 291 14,762 SH   SOLE   14,762 0 0
SPDR S&P Biotech ETF (xbi) COM 78464A870 593 7,660 SH   SOLE   7,660 0 0
SPDR S&P Dividend ETF COM 78464a763 206 2,585 SH   SOLE   2,585 0 0
Starbucks Corp. COM 855244109 439 6,676 SH   SOLE   6,676 0 0
Straumann Holding AG COM 013293546 325 450 SH   SOLE   450 0 0
Target Corporation COM 87612E106 1,112 11,960 SH   SOLE   11,960 0 0
Technology Select Sect Spdr (x COM 81369y803 1,666 20,726 SH   SOLE   20,726 0 0
Texas Instruments COM 882508104 7,100 71,054 SH   SOLE   71,054 0 0
TJX Companies COM 872540109 6,866 143,611 SH   SOLE   143,611 0 0
Tractor Supply Company COM 892356106 9,753 115,354 SH   SOLE   115,354 0 0
Truist Financial Corp. COM 89832Q109 3,965 128,558 SH   SOLE   128,558 0 0
Union Pacific COM 907818108 712 5,045 SH   SOLE   5,045 0 0
United Parcel Service Co COM 911312106 3,128 33,481 SH   SOLE   33,481 0 0
United Technologies Corp Com COM 913017109 2,453 26,006 SH   SOLE   26,006 0 0
UnitedHealth Group COM 91324P102 10,880 43,627 SH   SOLE   43,627 0 0
Unum Group Com COM 91529Y106 963 64,170 SH   SOLE   64,170 0 0
Utilities Select Sector SPDR F COM 81369Y886 1,856 33,501 SH   SOLE   33,501 0 0
Vanguard Dividend Appreciation COM 921908844 1,012 9,784 SH   SOLE   9,784 0 0
Vanguard Emerging Market ETF COM 922042858 1,243 37,042 SH   SOLE   37,042 0 0
Vanguard Information Technolog COM 92204a702 1,153 5,443 SH   SOLE   5,443 0 0
Vanguard REIT Index ETF COM 922908553 329 4,710 SH   SOLE   4,710 0 0
Vanguard S&P 500 ETF COM 922908363 4,214 17,795 SH   SOLE   17,795 0 0
Vanguard US Total Stock Market COM 922908769 255 1,978 SH   SOLE   1,978 0 0
Verizon Communications Inc. COM 92343V104 11,054 205,740 SH   SOLE   205,740 0 0
Visa, Inc. - Cl. A COM 92826c839 16,838 104,506 SH   SOLE   104,506 0 0
Vulcan Matls Co Com COM 929160109 943 8,722 SH   SOLE   8,722 0 0
Wal-Mart Stores COM 931142103 3,814 33,567 SH   SOLE   33,567 0 0
Walgreens Boots Alliance, Inc. COM 931427108 2,159 47,191 SH   SOLE   47,191 0 0
Walt Disney COM 254687106 3,560 36,852 SH   SOLE   36,852 0 0
Wells Fargo COM 949746101 298 10,366 SH   SOLE   10,366 0 0
WestRock Company COM 96145D105 36,653 1,297,005 SH   SOLE   1,297,005 0 0
Weyerhaeuser Co. COM 962166104 2,242 132,272 SH   SOLE   132,272 0 0
Xilinx, Inc. COM 983919101 6,463 82,921 SH   SOLE   82,921 0 0
XPO Logistics COM 983793100 651 13,362 SH   SOLE   13,362 0 0
Xylem, Inc. COM 98419m100 1,357 20,835 SH   SOLE   20,835 0 0
Zoetis, Inc. COM 98978v103 2,856 24,264 SH   SOLE   24,264 0 0