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 652 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101 1,113 10,500 SH   SOLE   0 0 10,500
AT&T COM 030177109 166 10,803 SH   SOLE   0 0 10,803
Abbott Laboratories COM 002824100 2,947 30,456 SH   SOLE   182 0 30,274
Abbvie COM 00287Y109 4,622 34,437 SH   SOLE   0 0 34,437
Alphabet Class A COM 02079k305 163 1,700 SH   SOLE   0 0 1,700
Alphabet Class A COM 02079k305 48 500 SH   OTR 2 0 0 500
Alphabet Class C COM 02079k107 2,131 22,160 SH   SOLE   0 0 22,160
Alphabet Class C COM 02079k107 331 3,440 SH   OTR 2 0 0 3,440
Amazon COM 023135106 1,976 17,490 SH   SOLE   0 0 17,490
Amazon COM 023135106 68 600 SH   OTR 2 0 0 600
American Express COM 025816109 2,006 14,871 SH   SOLE   0 0 14,871
American Water Works COM 030420103 704 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106 605 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100 1,269 5,632 SH   SOLE   600 0 5,032
Anheuser-Busch COM 03524a108 382 8,463 SH   SOLE   0 0 8,463
Apple COM 037833100 5,307 38,400 SH   SOLE   2,200 0 36,200
Apple COM 037833100 585 4,230 SH   OTR 2 0 0 4,230
Applied Materials COM 038222105 1,576 19,242 SH   SOLE   0 0 19,242
Bank America COM 060505104 229 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100 407 10,560 SH   SOLE   7,392 0 3,168
Becton Dickinson COM 075887109 1,083 4,859 SH   SOLE   0 0 4,859
Bristol-Myers Squibb COM 110122108 4,827 67,896 SH   SOLE   7,466 0 60,430
Bristol-Myers Squibb COM 110122108 458 6,445 SH   OTR 2 0 0 6,445
CMS Energy COM 125896100 895 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100 1,409 14,770 SH   SOLE   0 0 14,770
Chevron COM 166764100 2,199 15,309 SH   SOLE   716 0 14,593
Chevron COM 166764100 331 2,306 SH   OTR 2 0 0 2,306
Cigna COM 125509109 356 1,282 SH   SOLE   0 0 1,282
Cisco Systems COM 17275R952 356 8,900 SH   SOLE   0 0 8,900
Cisco Systems COM 17275R952 42 1,060 SH   OTR 2 0 0 1,060
Clorox COM 189054109 2,323 18,096 SH   SOLE   2,320 0 15,776
Coca-Cola COM 191216100 387 6,900 SH   SOLE   0 0 6,900
Corteva COM 22052l104 728 12,737 SH   SOLE   0 0 12,737
D R Horton COM 23331A109 1,450 21,525 SH   SOLE   0 0 21,525
Dell COM 24703l103 854 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101 1,560 24,035 SH   SOLE   0 0 24,035
Discover Financial Services COM 254709108 320 3,520 SH   SOLE   0 0 3,520
Disney COM 254687106 2,550 27,028 SH   SOLE   1,500 0 25,528
Disney COM 254687106 38 400 SH   OTR 2 0 0 400
Dolby Class A COM 25659T107 723 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108 2,018 17,310 SH   SOLE   0 0 17,310
Dow COM 260557103 761 17,313 SH   SOLE   2,958 0 14,355
Du Pont (E.I) de Nemours COM 26614N102 941 18,663 SH   SOLE   2,958 0 15,705
Eli Lilly COM 532457108 388 1,200 SH   SOLE   0 0 1,200
Emerson Electric COM 291011104 765 10,446 SH   SOLE   3,200 0 7,246
Emerson Electric COM 291011104 229 3,123 SH   OTR 2 0 0 3,123
Equifax COM 294429105 242 1,413 SH   OTR 2 0 0 1,413
Exxon Mobil COM 30231G102 4,324 49,528 SH   SOLE   6,675 0 42,853
Exxon Mobil COM 30231G102 380 4,358 SH   OTR 2 0 0 4,358
FedEx COM 31428x106 469 3,159 SH   SOLE   0 0 3,159
Fidelity National Info. COM 31620M106 205 2,718 SH   OTR 2 0 0 2,718
First American Financial COM 31847r102 803 17,425 SH   SOLE   0 0 17,425
General Electric COM 369604301 569 9,194 SH   SOLE   225 0 8,969
General Electric COM 369604301 46 748 SH   OTR 2 0 0 748
Goldman Sachs COM 38141G104 588 2,005 SH   SOLE   0 0 2,005
Home Depot COM 437076102 2,824 10,235 SH   SOLE   700 0 9,535
Hubbell COM 443510607 1,090 4,890 SH   SOLE   0 0 4,890
Humana COM 444859102 2,244 4,624 SH   SOLE   0 0 4,624
Huntington Bancshares COM 446150104 1,428 108,357 SH   SOLE   0 0 108,357
Huntington Ingalls Ind. COM 446413106 1,446 6,527 SH   SOLE   0 0 6,527
Icon PLC COM G4705A100 1,673 9,101 SH   SOLE   0 0 9,101
Intel COM 458140100 1,689 65,522 SH   SOLE   2,800 0 62,722
Intel COM 458140100 42 1,625 SH   OTR 2 0 0 1,625
International Business Machine COM 459200101 2,065 17,381 SH   SOLE   1,610 0 15,771
Intuit COM 461202103 701 1,809 SH   SOLE   0 0 1,809
JPMorgan Chase COM 46625h100 6,514 62,333 SH   SOLE   1,224 0 61,109
JPMorgan Chase COM 46625h100 862 8,246 SH   OTR 2 0 0 8,246
Jacobs Solutions COM 46982L108 1,199 11,055 SH   SOLE   0 0 11,055
Johnson & Johnson COM 478160104 15,157 92,785 SH   SOLE   6,471 0 86,314
Johnson & Johnson COM 478160104 684 4,189 SH   OTR 2 0 0 4,189
Kimberly Clark COM 494368103 11 100 SH   SOLE   0 0 100
Kimberly Clark COM 494368103 277 2,463 SH   OTR 2 0 0 2,463
Kroger COM 501044101 678 15,500 SH   SOLE   0 0 15,500
Laboratory Corp. of America COM 50540r409 1,450 7,079 SH   SOLE   0 0 7,079
Lear Corp. COM 521865204 802 6,700 SH   SOLE   0 0 6,700
Lowes COM 548661107 1,008 5,366 SH   SOLE   0 0 5,366
Marriott Vacations Worldwide COM 57164Y107 973 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106 527 11,279 SH   SOLE   0 0 11,279
Match Group COM 57665r106 310 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206 1,302 18,266 SH   SOLE   9,600 0 8,666
McDonald's Corp. COM 580135101 1,778 7,706 SH   SOLE   1,707 0 5,999
Merck COM 58933y105 2,628 30,514 SH   SOLE   2,548 0 27,966
Merck COM 58933y105 400 4,644 SH   OTR 2 0 0 4,644
Microsoft COM 594918104 4,009 17,214 SH   SOLE   800 0 16,414
Microsoft COM 594918104 284 1,218 SH   OTR 2 0 0 1,218
Mondelez COM 609207105 218 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105 230 946 SH   SOLE   0 0 946
Nasdaq COM 631103108 1,531 27,015 SH   SOLE   0 0 27,015
Nestle ADR COM 641069406 4,622 42,488 SH   SOLE   5,000 0 37,488
Newmont Mining Corp. COM 651639106 1,287 30,611 SH   SOLE   0 0 30,611
Norfolk Southern COM 655844108 409 1,950 SH   OTR 2 0 0 1,950
Nvidia Corp. COM 67066G104 711 5,860 SH   SOLE   0 0 5,860
Old Republic COM 680223104 565 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109 213 1,895 SH   SOLE   0 0 1,895
Paychex COM 704326107 266 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108 3,585 21,960 SH   SOLE   94 0 21,866
PepsiCo COM 713448108 711 4,358 SH   OTR 2 0 0 4,358
Pfizer COM 717081103 5,543 126,665 SH   SOLE   17,446 0 109,219
Pfizer COM 717081103 244 5,575 SH   OTR 2 0 0 5,575
Procter & Gamble COM 742718109 4,200 33,264 SH   SOLE   2,437 0 30,827
Procter & Gamble COM 742718109 576 4,559 SH   OTR 2 0 0 4,559
Qualcomm COM 747525103 878 7,775 SH   SOLE   600 0 7,175
Quanta Services COM 74762E102 2,670 20,956 SH   SOLE   0 0 20,956
Reliance Steel & Aluminum COM 759509102 1,706 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109 1,070 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104 2,494 8,169 SH   SOLE   500 0 7,669
Schlumberger COM 806857108 141 3,934 SH   SOLE   600 0 3,334
Schlumberger COM 806857108 123 3,415 SH   OTR 2 0 0 3,415
Schwab, Charles COM 808513105 3,101 43,152 SH   SOLE   0 0 43,152
Synopsys COM 871607107 1,515 4,960 SH   SOLE   0 0 4,960
Target COM 87612E106 362 2,437 SH   SOLE   0 0 2,437
Teledyne Technologies COM 879360106 226 671 SH   SOLE   0 0 671
Travelers COM 89417E109 203 1,322 SH   SOLE   0 0 1,322
Truist Financial COM 89832q109 1,195 27,439 SH   SOLE   0 0 27,439
Union Pacific COM 907818108 944 4,843 SH   SOLE   400 0 4,443
Union Pacific COM 907818108 314 1,611 SH   OTR 2 0 0 1,611
United Health Group COM 91324P102 1,773 3,511 SH   SOLE   0 0 3,511
United Parcel Service 'B' COM 911312106 782 4,840 SH   SOLE   300 0 4,540
United Rentals COM 911363109 904 3,348 SH   SOLE   0 0 3,348
VMware COM 928563402 1,173 11,015 SH   SOLE   0 0 11,015
Verizon Communications COM 92343v104 1,214 31,982 SH   SOLE   1,700 0 30,282
Viatris COM 92556v106 128 15,073 SH   SOLE   2,164 0 12,909
Wal-Mart Stores COM 931142103 1,597 12,314 SH   SOLE   0 0 12,314
Waste Management COM 94106L109 2,673 16,683 SH   SOLE   0 0 16,683
Westlake Chemical Corp. COM 960413102 583 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105 454 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101 334 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102 1,341 12,830 SH   SOLE   1,255 0 11,575
Zimmer Biomet COM 98956p102 160 1,527 SH   OTR 2 0 0 1,527
Zoetis COM 98978v103 1,624 10,950 SH   SOLE   0 0 10,950
Hoya Capital High Dividend Yie COM 26922b840 245 23,360 SH   SOLE   600 0 22,760
Hoya Capital Housing COM 26922a230 5,634 186,727 SH   SOLE   68,537 0 118,190
American Tower Corp. COM 998311450 1,168 5,440 SH   SOLE   50 0 5,390
Invitation Homes COM 46187w107 723 21,400 SH   SOLE   0 0 21,400
Mid America Apartment Communit COM 59522J103 1,214 7,831 SH   SOLE   0 0 7,831
Store Cap Corp COM 862121100 958 30,590 SH   SOLE   140 0 30,450
Terreno Realty Corp. COM 88146m101 548 10,350 SH   SOLE   0 0 10,350