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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579y101 8,232 46,929 SH   SOLE   14,428 0 32,501
AT&T Inc. COM 00206R102 1,560 57,761 SH   SOLE   32,525 0 25,236
Abbott Laboratories COM 002824100 13,452 113,875 SH   SOLE   32,585 0 81,290
Alphabet Inc. Cl. A COM 02079k305 214 80 SH   SOLE   21 0 59
Alphabet Inc. Cl. C COM 02079k107 16,176 6,069 SH   SOLE   1,872 0 4,197
Apple Inc. COM 037833100 26,125 184,632 SH   SOLE   51,755 0 132,877
Automatic Data Proc. COM 053015103 11,889 59,468 SH   SOLE   16,111 0 43,357
Becton Dickinson COM 075887109 11,197 45,548 SH   SOLE   12,789 0 32,759
Berkshire Hathaway Cl. B COM 084670702 14,305 52,411 SH   SOLE   15,408 0 37,003
Caterpillar Inc. COM 149123101 336 1,750 SH   SOLE   100 0 1,650
Chevron Corp. COM 166764100 1,646 16,221 SH   SOLE   6,580 0 9,641
Cisco Systems Inc. COM 17275r102 4,925 90,490 SH   SOLE   36,400 0 54,090
Coca-Cola Co. COM 191216100 8,866 168,966 SH   SOLE   47,145 0 121,821
Colgate-Palmolive Co. COM 194162103 7,279 96,305 SH   SOLE   23,571 0 72,734
Corning Inc. COM 219350105 204 5,603 SH   SOLE   0 0 5,603
Costco Wholesale COM 22160k105 249 555 SH   SOLE   335 0 220
Danaher Corp. COM 235851102 21,709 71,309 SH   SOLE   19,190 0 52,119
Deere & Co. COM 244199105 1,185 3,536 SH   SOLE   0 0 3,536
Diageo plc ADR COM 25243q205 10,312 53,428 SH   SOLE   13,371 0 40,057
Emerson Electric Co. COM 291011104 7,349 78,018 SH   SOLE   22,220 0 55,798
Exxon Mobil Corp. COM 30231G102 1,579 26,840 SH   SOLE   3,684 0 23,156
Vanguard FTSE Devel. Mkts. ETF COM 921943858 1,797 35,597 SH   SOLE   14,507 0 21,090
Vanguard FTSE Emerg. Mkts. ETF COM 922042858 1,471 29,418 SH   SOLE   3,090 0 26,328
FedEx Corp. COM 31428x106 8,317 37,929 SH   SOLE   11,314 0 26,615
Fiserv, Inc. COM 337738108 5,988 55,192 SH   SOLE   19,577 0 35,615
Fortive Corp. COM 34959j108 4,760 67,445 SH   SOLE   16,259 0 51,186
GlaxoSmithKline PLC ADR COM 37733w105 679 17,761 SH   SOLE   0 0 17,761
Home Depot Inc. COM 437076102 7,332 22,337 SH   SOLE   7,270 0 15,067
Illinois Tool Works COM 452308109 10,996 53,218 SH   SOLE   14,182 0 39,036
Intel Corp. COM 458140100 864 16,215 SH   SOLE   400 0 15,815
Invesco QQQ Trust COM 46090E103 358 1,000 SH   SOLE   375 0 625
JPMorgan Chase COM 46625h100 256 1,561 SH   SOLE   50 0 1,511
Johnson & Johnson COM 478160104 11,254 69,683 SH   SOLE   21,829 0 47,854
MSCI Asia ex-Japan iShares COM 464288182 667 7,850 SH   SOLE   4,000 0 3,850
MSCI EAFE iShares COM 464287465 6,126 78,523 SH   SOLE   21,910 0 56,613
MSCI Emerging Markets iShares COM 464287234 1,974 39,173 SH   SOLE   11,640 0 27,533
McCormick & Co. COM 579780206 5,237 64,636 SH   SOLE   14,852 0 49,784
McDonald's Corp. COM 580135101 511 2,120 SH   SOLE   1,505 0 615
Medtronic PLC F COM g5960l103 321 2,563 SH   SOLE   0 0 2,563
Merck & Co. COM 58933y105 3,560 47,400 SH   SOLE   21,335 0 26,065
Microsoft Corp. COM 594918104 23,429 83,106 SH   SOLE   22,558 0 60,548
Nestle S.A. ADR COM 641069406 9,399 78,186 SH   SOLE   24,405 0 53,781
Nike, Inc. Cl. B COM 654106103 12,660 87,172 SH   SOLE   19,950 0 67,222
Oracle Corp. COM 68389x105 1,027 11,786 SH   SOLE   0 0 11,786
Otis Worldwide COM 68902v107 240 2,922 SH   SOLE   0 0 2,922
PepsiCo, Inc. COM 713448108 11,492 76,405 SH   SOLE   22,828 0 53,577
Procter & Gamble Co. COM 742718109 10,139 72,524 SH   SOLE   22,188 0 50,336
Qualcomm Inc. COM 747525103 921 7,140 SH   SOLE   0 0 7,140
Raytheon Technologies COM 75513e101 1,765 20,530 SH   SOLE   8,765 0 11,765
Royal Dutch Shell Cl. A COM 780259206 298 6,675 SH   SOLE   400 0 6,275
Russell 2000 iShares COM 464287655 9,526 43,546 SH   SOLE   10,825 0 32,721
S&P Core Mid-Cap iShares COM 464287507 8,164 31,034 SH   SOLE   8,286 0 22,748
S&P Core Small-Cap iShares COM 464287804 757 6,931 SH   SOLE   2,101 0 4,830
SPDR S&P 500 ETF COM 78462f103 2,473 5,762 SH   SOLE   1,417 0 4,345
Starbucks Corp. COM 855244109 9,292 84,236 SH   SOLE   26,044 0 58,192
Stryker Corp. COM 863667101 12,632 47,900 SH   SOLE   12,406 0 35,494
TJX Cos. Inc. COM 872540109 721 10,932 SH   SOLE   0 0 10,932
Target Corp. COM 87612e106 928 4,055 SH   SOLE   665 0 3,390
Vanguard Info. Technology ETF COM 92204a702 1,605 4,000 SH   SOLE   0 0 4,000
Vanguard Mid-Cap ETF COM 922908629 1,197 5,055 SH   SOLE   0 0 5,055
Visa Inc. COM 92826c839 8,992 40,370 SH   SOLE   12,454 0 27,916
Walmart Inc. COM 931142103 477 3,424 SH   SOLE   2,055 0 1,369
Walt Disney Co. COM 254687106 11,229 66,376 SH   SOLE   17,414 0 48,962
Wells Fargo & Co. COM 949746101 1,253 26,994 SH   SOLE   10,203 0 16,791
XCEL Energy COM 98389b100 286 4,573 SH   SOLE   0 0 4,573
Zimmer Biomet COM 98956p102 4,484 30,640 SH   SOLE   8,195 0 22,445
Schwab U.S. TIPS ETF COM 808524870 2,764 44,165 SH   SOLE   12,240 0 31,925
Vanguard Shrt-Trm Corp. Bond ETF COM 92206c409 11,915 144,582 SH   SOLE   22,876 0 121,706