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 COM 88579y101 796 5,830 SH   SOLE   2,120 0 3,710
AMN Healthcare Svcs. COM 001744101 647 11,200 SH   SOLE   0 0 11,200
AT&T COM 030177109 445 15,254 SH   SOLE   0 0 15,254
Abbott Laboratories COM 002824100 2,594 32,867 SH   SOLE   669 0 32,198
Abbvie COM 00287Y109 2,501 32,829 SH   SOLE   487 0 32,342
Allete COM 018522300 283 4,672 SH   SOLE   0 0 4,672
Alphabet Class C COM 02079k107 1,277 1,098 SH   SOLE   0 0 1,098
Alphabet Class C COM 02079k107 271 233 SH   OTR 2 0 0 233
Amazon COM 023135106 1,581 811 SH   SOLE   0 0 811
Amazon COM 023135106 58 30 SH   OTR 2 0 0 30
American Express COM 025816109 1,040 12,153 SH   SOLE   612 0 11,541
American Water Works COM 030420103 695 5,812 SH   SOLE   0 0 5,812
Ameriprise Financial COM 03076C106 246 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100 1,272 6,273 SH   SOLE   1,266 0 5,007
Apple COM 037833100 2,868 11,280 SH   SOLE   1,663 0 9,617
Apple COM 037833100 356 1,400 SH   OTR 2 0 0 1,400
Applied Materials COM 038222105 1,222 26,665 SH   SOLE   0 0 26,665
Baker Hughes COM 05722g100 196 18,647 SH   SOLE   0 0 18,647
Bank of New York Mellon COM 064058100 356 10,560 SH   SOLE   7,392 0 3,168
Becton Dickinson COM 075887109 952 4,142 SH   SOLE   0 0 4,142
Boyd Gaming COM 103304101 274 19,000 SH   SOLE   0 0 19,000
Bristol-Myers Squibb COM 110122108 3,170 56,877 SH   SOLE   7,466 0 49,411
Bristol-Myers Squibb COM 110122108 448 8,040 SH   OTR 2 0 0 8,040
CMS Energy COM 125896100 974 16,584 SH   SOLE   0 0 16,584
CVS/Caremark COM 126650100 472 7,955 SH   SOLE   0 0 7,955
Chevron COM 166764100 1,196 16,504 SH   SOLE   716 0 15,788
Chevron COM 166764100 240 3,314 SH   OTR 2 0 0 3,314
Cigna COM 125509109 274 1,545 SH   SOLE   143 0 1,402
Cisco Systems COM 17275R952 334 8,500 SH   SOLE   0 0 8,500
Cisco Systems COM 17275R952 72 1,838 SH   OTR 2 0 0 1,838
Clorox COM 189054109 3,284 18,954 SH   SOLE   2,728 0 16,226
Coca-Cola COM 191216100 294 6,650 SH   SOLE   0 0 6,650
Cognizant Technology Solutions COM 192446102 592 12,740 SH   SOLE   0 0 12,740
Corteva COM 22052l104 451 19,206 SH   SOLE   2,958 0 16,248
Corteva COM 22052l104 8 333 SH   OTR 2 0 0 333
Dell COM 24703l103 1,054 26,650 SH   SOLE   0 0 26,650
Delta COM 247361702 476 16,670 SH   SOLE   0 0 16,670
Diodes COM 254543101 1,054 25,944 SH   SOLE   0 0 25,944
Disney COM 254687106 2,856 29,563 SH   SOLE   4,995 0 24,568
Disney COM 254687106 39 400 SH   OTR 2 0 0 400
Dolby Class A COM 25659T107 659 12,150 SH   SOLE   0 0 12,150
Dover Corp. COM 260003108 661 7,876 SH   SOLE   0 0 7,876
Dow COM 260557103 554 18,958 SH   SOLE   2,958 0 16,000
Dow COM 260557103 10 333 SH   OTR 2 0 0 333
Du Pont (E.I) de Nemours COM 26614N102 655 19,208 SH   SOLE   2,958 0 16,250
Du Pont (E.I) de Nemours COM 26614N102 11 333 SH   OTR 2 0 0 333
Edison International COM 281020107 438 7,992 SH   SOLE   0 0 7,992
Emerson Electric COM 291011104 518 10,866 SH   SOLE   3,200 0 7,666
Emerson Electric COM 291011104 197 4,138 SH   OTR 2 0 0 4,138
Equifax COM 294429105 235 1,971 SH   OTR 2 0 0 1,971
Exxon Mobil COM 30231G102 2,252 59,303 SH   SOLE   7,899 0 51,404
Exxon Mobil COM 30231G102 225 5,920 SH   OTR 2 0 0 5,920
Fidelity National Info. COM 31620M106 324 2,666 SH   OTR 2 0 0 2,666
Fifth 3rd Bancorp COM 316773100 232 15,605 SH   SOLE   0 0 15,605
First American Financial COM 31847r102 412 9,724 SH   SOLE   0 0 9,724
Flir Systems COM 302445101 343 10,749 SH   SOLE   0 0 10,749
General Electric COM 369604103 656 82,581 SH   SOLE   6,644 0 75,937
General Electric COM 369604103 105 13,189 SH   OTR 2 0 0 13,189
Home Depot COM 437076102 2,059 11,027 SH   SOLE   1,437 0 9,590
Hoya Capital Housing ETF COM 26922a230 3,269 172,077 SH   SOLE   101,698 0 70,379
Humana COM 444859102 961 3,060 SH   SOLE   0 0 3,060
Huntington Ingalls Ind. COM 446413106 574 3,150 SH   SOLE   0 0 3,150
IAC Interactive Corp. COM 44919P508 1,172 6,537 SH   SOLE   0 0 6,537
Icon PLC COM G4705A100 952 6,999 SH   SOLE   0 0 6,999
Intel COM 458140100 4,352 80,415 SH   SOLE   15,312 0 65,103
Intel COM 458140100 183 3,380 SH   OTR 2 0 0 3,380
International Business Machine COM 459200101 1,512 13,627 SH   SOLE   1,610 0 12,017
Intuit COM 461202103 587 2,550 SH   SOLE   0 0 2,550
JPMorgan Chase COM 46625h100 5,700 63,312 SH   SOLE   2,134 0 61,178
JPMorgan Chase COM 46625h100 1,119 12,432 SH   OTR 2 0 0 12,432
Jack Henry & Assoc. COM 426281101 611 3,938 SH   SOLE   0 0 3,938
Johnson & Johnson COM 478160104 16,138 123,066 SH   SOLE   8,011 0 115,055
Johnson & Johnson COM 478160104 778 5,934 SH   OTR 2 0 0 5,934
Keycorp COM 493267108 402 38,740 SH   SOLE   0 0 38,740
Kimberly Clark COM 494368103 376 2,942 SH   OTR 2 0 0 2,942
Kroger COM 501044101 513 17,045 SH   SOLE   0 0 17,045
Marriott Vacations Worldwide COM 57164Y107 478 8,605 SH   SOLE   0 0 8,605
Masco Corp. COM 574599106 440 12,731 SH   SOLE   0 0 12,731
McCormick COM 579780206 1,858 13,155 SH   SOLE   4,800 0 8,355
McDonald's Corp. COM 580135101 1,294 7,825 SH   SOLE   1,866 0 5,959
Merck COM 58933y105 2,386 31,006 SH   SOLE   3,040 0 27,966
Merck COM 58933y105 438 5,687 SH   OTR 2 0 0 5,687
Microsoft COM 594918104 2,634 16,700 SH   SOLE   2,844 0 13,856
Microsoft COM 594918104 236 1,495 SH   OTR 2 0 0 1,495
Moody's Corp. COM 615369105 200 946 SH   SOLE   0 0 946
Nasdaq COM 631103108 793 8,354 SH   SOLE   0 0 8,354
National Health Investors COM 63633d104 667 13,465 SH   SOLE   0 0 13,465
Nestle ADR COM 641069406 4,265 41,497 SH   SOLE   5,000 0 36,497
Newmont Mining Corp. COM 651639106 1,093 24,134 SH   SOLE   0 0 24,134
Norfolk Southern COM 655844108 382 2,619 SH   OTR 2 0 0 2,619
Nvidia Corp. COM 67066G104 839 3,184 SH   SOLE   0 0 3,184
Old Republic COM 680223104 445 29,150 SH   SOLE   0 0 29,150
PepsiCo COM 713448108 2,773 23,086 SH   SOLE   980 0 22,106
PepsiCo COM 713448108 465 3,871 SH   OTR 2 0 0 3,871
Pfizer COM 717081103 4,170 127,751 SH   SOLE   18,798 0 108,953
Pfizer COM 717081103 255 7,798 SH   OTR 2 0 0 7,798
Polaris Ind. COM 731068102 304 6,305 SH   SOLE   0 0 6,305
Post Holdings COM 737446104 320 3,855 SH   SOLE   0 0 3,855
Procter & Gamble COM 742718109 3,832 34,838 SH   SOLE   3,969 0 30,869
Procter & Gamble COM 742718109 739 6,718 SH   OTR 2 0 0 6,718
Qualcomm COM 747525103 465 6,881 SH   SOLE   900 0 5,981
Quanta Services COM 74762E102 716 22,555 SH   SOLE   0 0 22,555
Reliance Steel & Aluminum COM 759509102 928 10,592 SH   SOLE   0 0 10,592
Rockwell Automation COM 773903109 808 5,356 SH   SOLE   0 0 5,356
S&P Global COM 78409V104 1,971 8,042 SH   SOLE   643 0 7,399
Schlumberger COM 806857108 80 5,932 SH   SOLE   600 0 5,332
Schlumberger COM 806857108 62 4,581 SH   OTR 2 0 0 4,581
Schwab, Charles COM 808513105 1,217 36,213 SH   SOLE   727 0 35,486
Synopsys COM 871607107 1,554 12,063 SH   SOLE   0 0 12,063
Truist Financial COM 89832q109 451 14,636 SH   SOLE   0 0 14,636
Union Pacific COM 907818108 416 2,950 SH   SOLE   400 0 2,550
Union Pacific COM 907818108 363 2,575 SH   OTR 2 0 0 2,575
United Health Group COM 91324P102 803 3,220 SH   SOLE   0 0 3,220
United Parcel Service 'B' COM 911312106 392 4,200 SH   SOLE   300 0 3,900
United Rentals COM 911363109 216 2,100 SH   SOLE   0 0 2,100
Universal Health Svcs COM 913903100 548 5,530 SH   SOLE   0 0 5,530
Varian Medical Systems COM 92220P105 758 7,384 SH   SOLE   0 0 7,384
Verizon Communications COM 92343v104 1,830 34,059 SH   SOLE   1,700 0 32,359
Wal-Mart Stores COM 931142103 914 8,042 SH   SOLE   0 0 8,042
Waste Management COM 94106L109 1,585 17,121 SH   SOLE   0 0 17,121
Westlake Chemical Corp. COM 960413102 290 7,604 SH   SOLE   0 0 7,604
Wyndham Hotels & Resorts COM 98311a105 251 7,974 SH   SOLE   0 0 7,974
Yum! Brands COM 988498101 242 3,537 SH   SOLE   392 0 3,145
Zimmer Biomet COM 98956p102 501 4,952 SH   SOLE   1,255 0 3,697
Zimmer Biomet COM 98956p102 244 2,418 SH   OTR 2 0 0 2,418
Zoetis COM 98978v103 1,132 9,620 SH   SOLE   0 0 9,620
Digital Realty Trust COM 253868103 362 2,605 SH   SOLE   50 0 2,555
Mid America Apartment Communit COM 59522J103 926 8,990 SH   SOLE   0 0 8,990
Store Cap Corp COM 862121100 593 32,745 SH   SOLE   140 0 32,605