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 Company COM 88579y101   2,124,143 17,713 SH   SOLE   9,566 0 8,147
AT&T Inc. COM 00206R102   652,929 35,466 SH   SOLE   28,910 0 6,556
Abbott Laboratories COM 002824100   12,366,416 112,637 SH   SOLE   39,933 0 72,704
Adobe Systems Inc. COM 00724f101   3,886,922 11,550 SH   SOLE   10,480 0 1,070
Advanced Micro Devices COM 007903107   349,758 5,400 SH   SOLE   5,400 0 0
Air Products & Chemicals COM 009158106   1,125,149 3,650 SH   SOLE   2,865 0 785
Alphabet Inc. Cl. A COM 02079k305   3,718,453 42,145 SH   SOLE   39,745 0 2,400
Alphabet Inc. Cl. C COM 02079k107   11,050,168 124,537 SH   SOLE   51,057 0 73,480
Amazon.com COM 023135106   4,240,320 50,480 SH   SOLE   50,420 0 60
Apple Inc. COM 037833100   27,276,075 209,929 SH   SOLE   106,119 0 103,810
Applied Materials COM 038222105   2,517,760 25,855 SH   SOLE   25,855 0 0
Automatic Data Proc. COM 053015103   15,055,107 63,029 SH   SOLE   26,708 0 36,321
Becton Dickinson COM 075887109   13,578,094 53,394 SH   SOLE   25,077 0 28,317
Berkshire Hathaway Cl. B COM 084670702   17,177,929 55,610 SH   SOLE   24,074 0 31,536
Biogen Inc. COM 09062x103   2,110,130 7,620 SH   SOLE   7,620 0 0
Bristol-Myers Squibb COM 110122108   2,127,921 29,575 SH   SOLE   29,575 0 0
Caterpillar Inc. COM 149123101   455,164 1,900 SH   SOLE   1,900 0 0
Charles Schwab Corp. COM 808513105   2,527,774 30,360 SH   SOLE   11,600 0 18,760
Chevron Corp. COM 166764100   3,097,459 17,257 SH   SOLE   9,125 0 8,132
Cisco Systems Inc. COM 17275r102   5,840,759 122,602 SH   SOLE   75,695 0 46,907
Coca-Cola Co. COM 191216100   10,545,775 165,788 SH   SOLE   63,828 0 101,960
Colgate-Palmolive Co. COM 194162103   6,632,936 84,185 SH   SOLE   26,681 0 57,504
Costco Wholesale COM 22160k105   5,653,753 12,385 SH   SOLE   7,670 0 4,715
Danaher Corp. COM 235851102   17,656,535 66,523 SH   SOLE   22,418 0 44,105
Diageo plc ADR COM 25243q205   9,163,421 51,425 SH   SOLE   16,940 0 34,485
Emerson Electric Co. COM 291011104   7,624,666 79,374 SH   SOLE   26,295 0 53,079
Estee Lauder Cos. Cl. A COM 518439104   1,673,502 6,745 SH   SOLE   6,745 0 0
Exxon Mobil Corp. COM 30231G102   2,916,332 26,440 SH   SOLE   4,344 0 22,096
Vanguard FTSE Devel. Mkts. ETF COM 921943858   1,260,653 30,037 SH   SOLE   8,112 0 21,925
Vanguard FTSE Emerg. Mkts. ETF COM 922042858   965,457 24,768 SH   SOLE   10,615 0 14,153
FedEx Corp. COM 31428x106   4,523,811 26,119 SH   SOLE   11,937 0 14,182
Fiserv, Inc. COM 337738108   8,667,662 85,759 SH   SOLE   53,128 0 32,631
Fortive Corp. COM 34959j108   1,226,790 19,094 SH   SOLE   1,515 0 17,579
GlaxoSmithKline PLC ADR COM 37733w105   499,269 14,208 SH   SOLE   14,208 0 0
Home Depot Inc. COM 437076102   11,533,628 36,515 SH   SOLE   22,753 0 13,762
Honeywell Int'l Inc. COM 438516106   215,372 1,005 SH   SOLE   930 0 75
IDEXX Laboratories COM 45168d104   1,739,949 4,265 SH   SOLE   4,265 0 0
Illinois Tool Works COM 452308109   11,905,673 54,043 SH   SOLE   18,747 0 35,296
Illumina Inc. COM 452327109   1,011,000 5,000 SH   SOLE   5,000 0 0
Intel Corp. COM 458140100   428,562 16,215 SH   SOLE   14,825 0 1,390
JPMorgan Chase COM 46625h100   1,306,268 9,741 SH   SOLE   8,950 0 791
Johnson & Johnson COM 478160104   14,759,637 83,553 SH   SOLE   42,992 0 40,561
Linde plc COM g5494j103   5,865,043 17,981 SH   SOLE   5,240 0 12,741
MSCI EAFE iShares COM 464287465   5,056,118 77,028 SH   SOLE   31,185 0 45,843
MSCI Emerging Markets iShares COM 464287234   1,386,685 36,588 SH   SOLE   11,285 0 25,303
McCormick & Co. COM 579780206   5,373,842 64,831 SH   SOLE   19,369 0 45,462
McDonald's Corp. COM 580135101   2,002,828 7,600 SH   SOLE   7,010 0 590
Merck & Co. COM 58933y105   5,342,797 48,155 SH   SOLE   28,635 0 19,520
Microsoft Corp. COM 594918104   29,494,503 122,986 SH   SOLE   72,170 0 50,816
Moderna Inc. COM 60770k107   754,404 4,200 SH   SOLE   4,200 0 0
Nestle S.A. ADR COM 641069406   8,744,387 75,814 SH   SOLE   29,855 0 45,959
Nike, Inc. Cl. B COM 654106103   9,541,229 81,542 SH   SOLE   21,675 0 59,867
Nvidia Corp. COM 67066g104   5,027,801 34,404 SH   SOLE   34,404 0 0
PNC Financial Services COM 693475105   1,579,400 10,000 SH   SOLE   10,000 0 0
Palo Alto Networks COM 697435105   2,038,679 14,610 SH   SOLE   14,610 0 0
PepsiCo, Inc. COM 713448108   13,329,095 73,780 SH   SOLE   27,351 0 46,429
Procter & Gamble Co. COM 742718109   11,006,136 72,619 SH   SOLE   29,324 0 43,295
Qualcomm Inc. COM 747525103   2,273,779 20,682 SH   SOLE   17,477 0 3,205
Raytheon Technologies COM 75513e101   2,030,309 20,118 SH   SOLE   14,228 0 5,890
Russell 2000 iShares COM 464287655   7,042,749 40,392 SH   SOLE   14,594 0 25,798
S&P Core Mid-Cap iShares COM 464287507   7,339,184 30,341 SH   SOLE   9,853 0 20,488
S&P Core Small-Cap iShares COM 464287804   729,296 7,706 SH   SOLE   2,041 0 5,665
SPDR S&P 500 COM 78462f103   2,117,515 5,537 SH   SOLE   1,392 0 4,145
Shell plc COM 780259305   503,153 8,835 SH   SOLE   2,560 0 6,275
Starbucks Corp. COM 855244109   10,353,206 104,367 SH   SOLE   51,210 0 53,157
Stryker Corp. COM 863667101   13,345,242 54,584 SH   SOLE   22,561 0 32,023
Target Corp. COM 87612e106   707,195 4,745 SH   SOLE   2,445 0 2,300
Tesla Inc. COM 88160r101   2,143,948 17,405 SH   SOLE   17,405 0 0
Thermo Fisher Scientific COM 883556102   3,345,442 6,075 SH   SOLE   6,075 0 0
Vanguard Info. Technology ETF COM 92204a702   1,149,876 3,600 SH   SOLE   3,600 0 0
Vanguard Mid-Cap ETF COM 922908629   1,030,260 5,055 SH   SOLE   5,000 0 55
Vanguard S&P 500 ETF COM 922908363   590,251 1,680 SH   SOLE   0 0 1,680
Verizon Communications COM 92343v104   335,373 8,512 SH   SOLE   0 0 8,512
Visa Inc. COM 92826c839   11,743,218 56,523 SH   SOLE   29,267 0 27,256
Walmart Inc. COM 931142103   474,146 3,344 SH   SOLE   2,020 0 1,324
Walt Disney Co. COM 254687106   7,883,491 90,740 SH   SOLE   53,647 0 37,093
Wells Fargo & Co. COM 949746101   253,190 6,132 SH   SOLE   725 0 5,407
XCEL Energy COM 98389b100   366,886 5,233 SH   SOLE   1,200 0 4,033
Zimmer Biomet COM 98956p102   2,071,238 16,245 SH   SOLE   2,415 0 13,830
Schwab U.S. TIPS ETF COM 808524870   2,064,349 39,860 SH   SOLE   17,665 0 22,195
Vanguard Shrt-Trm Corp. Bond ETF COM 92206c409   3,394,377 45,144 SH   SOLE   6,884 0 38,260
iShares 1-5 Year Inv. Grade C COM 464288646   927,898 18,625 SH   SOLE   4,600 0 14,025