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 COM 88579y101   551,984 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101   894,390 10,500 SH   SOLE   0 0 10,500
AT&T COM 030177109   164,920 10,980 SH   SOLE   0 0 10,980
Abbott Laboratories COM 002824100   2,978,719 30,756 SH   SOLE   182 0 30,574
Abbvie COM 00287Y109   5,113,056 34,302 SH   SOLE   0 0 34,302
Aecon Group COM 00762v109   83,400 10,000 SH   SOLE   0 0 10,000
Alphabet Class A COM 02079k305   243,400 1,860 SH   SOLE   0 0 1,860
Alphabet Class A COM 02079k305   65,430 500 SH   OTR 2 0 0 500
Alphabet Class C COM 02079k107   3,004,862 22,790 SH   SOLE   0 0 22,790
Alphabet Class C COM 02079k107   268,974 2,040 SH   OTR 2 0 0 2,040
Amazon COM 023135106   2,563,502 20,166 SH   SOLE   0 0 20,166
Amazon COM 023135106   76,272 600 SH   OTR 2 0 0 600
American Express COM 025816109   2,322,292 15,566 SH   SOLE   0 0 15,566
American Water Works COM 030420103   669,301 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106   791,232 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100   1,521,719 5,662 SH   SOLE   600 0 5,062
Anheuser-Busch COM 03524a108   438,418 7,928 SH   SOLE   0 0 7,928
Apollo Global Mgmt. LLC COM 037612306   286,514 3,192 SH   SOLE   0 0 3,192
Apple COM 037833100   6,503,583 37,986 SH   SOLE   2,200 0 35,786
Apple COM 037833100   523,047 3,055 SH   OTR 2 0 0 3,055
Applied Materials COM 038222105   2,664,055 19,242 SH   SOLE   0 0 19,242
Bank America COM 060505104   207,294 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100   555,303 13,020 SH   SOLE   7,392 0 5,628
Becton Dickinson COM 075887109   1,612,969 6,239 SH   SOLE   0 0 6,239
Blackstone Group COM 09253u108   213,530 1,993 SH   SOLE   0 0 1,993
Boeing COM 097023105   287,520 1,500 SH   SOLE   0 0 1,500
Bristol-Myers Squibb COM 110122108   4,001,916 68,951 SH   SOLE   7,466 0 61,485
Bristol-Myers Squibb COM 110122108   199,948 3,445 SH   OTR 2 0 0 3,445
CMS Energy COM 125896100   816,194 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100   1,069,992 15,325 SH   SOLE   0 0 15,325
Caterpillar COM 149123101   247,884 908 SH   SOLE   0 0 908
Chevron COM 166764100   2,782,567 16,502 SH   SOLE   716 0 15,786
Chevron COM 166764100   388,838 2,306 SH   OTR 2 0 0 2,306
Cigna COM 125509109   366,742 1,282 SH   SOLE   0 0 1,282
Cisco Systems COM 17275R952   478,464 8,900 SH   SOLE   0 0 8,900
Cisco Systems COM 17275R952   56,986 1,060 SH   OTR 2 0 0 1,060
Clorox COM 189054109   2,371,662 18,096 SH   SOLE   2,320 0 15,776
Coca-Cola COM 191216100   486,018 8,682 SH   SOLE   0 0 8,682
Corteva COM 22052l104   651,625 12,737 SH   SOLE   0 0 12,737
D R Horton COM 23331A109   2,313,292 21,525 SH   SOLE   0 0 21,525
Dell COM 24703l103   1,722,500 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101   1,894,919 24,035 SH   SOLE   0 0 24,035
Discover Financial Services COM 254709108   304,938 3,520 SH   SOLE   0 0 3,520
Disney COM 254687106   2,156,984 26,613 SH   SOLE   1,500 0 25,113
Dolby Class A COM 25659T107   878,993 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108   2,379,483 17,056 SH   SOLE   0 0 17,056
Dow COM 260557103   787,991 15,283 SH   SOLE   2,958 0 12,325
Du Pont (E.I) de Nemours COM 26614N102   1,727,952 23,166 SH   SOLE   2,958 0 20,208
Eli Lilly COM 532457108   714,383 1,330 SH   SOLE   0 0 1,330
Emerson Electric COM 291011104   1,115,673 11,553 SH   SOLE   3,200 0 8,353
Emerson Electric COM 291011104   301,588 3,123 SH   OTR 2 0 0 3,123
Equifax COM 294429105   258,833 1,413 SH   OTR 2 0 0 1,413
Exxon Mobil COM 30231G102   5,873,356 49,952 SH   SOLE   6,675 0 43,277
Exxon Mobil COM 30231G102   506,535 4,308 SH   OTR 2 0 0 4,308
FedEx COM 31428x106   537,523 2,029 SH   SOLE   0 0 2,029
First American Financial COM 31847r102   241,495 4,275 SH   SOLE   0 0 4,275
Fortrea Holdings COM 34965k107   212,681 7,439 SH   SOLE   0 0 7,439
General Electric COM 369604301   866,613 7,839 SH   SOLE   225 0 7,614
General Electric COM 369604301   82,691 748 SH   OTR 2 0 0 748
Goldman Sachs COM 38141G104   840,635 2,598 SH   SOLE   0 0 2,598
Home Depot COM 437076102   3,092,608 10,235 SH   SOLE   700 0 9,535
Hubbell COM 443510607   1,532,575 4,890 SH   SOLE   0 0 4,890
Humana COM 444859102   2,368,866 4,869 SH   SOLE   0 0 4,869
Huntington Bancshares COM 446150104   1,102,161 105,977 SH   SOLE   0 0 105,977
Huntington Ingalls Ind. COM 446413106   1,385,416 6,772 SH   SOLE   0 0 6,772
Icon PLC COM G4705A100   2,241,121 9,101 SH   SOLE   0 0 9,101
Intel COM 458140100   2,219,102 62,422 SH   SOLE   2,800 0 59,622
Intel COM 458140100   53,325 1,500 SH   OTR 2 0 0 1,500
International Business Machine COM 459200101   2,803,475 19,982 SH   SOLE   1,610 0 18,372
Intuit COM 461202103   924,296 1,809 SH   SOLE   0 0 1,809
JPMorgan Chase COM 46625h100   9,166,424 63,208 SH   SOLE   1,224 0 61,984
JPMorgan Chase COM 46625h100   1,094,611 7,548 SH   OTR 2 0 0 7,548
Jacobs Solutions COM 46982L108   919,328 6,735 SH   SOLE   0 0 6,735
Johnson & Johnson COM 478160104   14,584,586 93,641 SH   SOLE   6,471 0 87,170
Johnson & Johnson COM 478160104   629,230 4,040 SH   OTR 2 0 0 4,040
Kimberly Clark COM 494368103   12,085 100 SH   SOLE   0 0 100
Kimberly Clark COM 494368103   297,654 2,463 SH   OTR 2 0 0 2,463
Kroger COM 501044101   1,615,967 36,111 SH   SOLE   0 0 36,111
Laboratory Corp. of America COM 50540r409   1,547,884 7,699 SH   SOLE   0 0 7,699
Lear Corp. COM 521865204   899,140 6,700 SH   SOLE   0 0 6,700
Lowes COM 548661107   1,243,507 5,983 SH   SOLE   0 0 5,983
Marriott Vacations Worldwide COM 57164Y107   803,832 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106   602,863 11,279 SH   SOLE   0 0 11,279
Match Group COM 57665r106   254,481 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206   1,381,640 18,266 SH   SOLE   9,600 0 8,666
McDonald's Corp. COM 580135101   2,030,069 7,706 SH   SOLE   1,707 0 5,999
Merck COM 58933y105   3,141,416 30,514 SH   SOLE   2,548 0 27,966
Merck COM 58933y105   251,610 2,444 SH   OTR 2 0 0 2,444
Microsoft COM 594918104   5,831,903 18,470 SH   SOLE   800 0 17,670
Microsoft COM 594918104   313,540 993 SH   OTR 2 0 0 993
Mondelez COM 609207105   275,587 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105   299,097 946 SH   SOLE   0 0 946
Nasdaq COM 631103108   1,312,659 27,015 SH   SOLE   0 0 27,015
Nestle ADR COM 641069406   4,769,340 42,057 SH   SOLE   5,000 0 37,057
Newmont Mining Corp. COM 651639106   1,205,161 32,616 SH   SOLE   0 0 32,616
Norfolk Southern COM 655844108   361,957 1,838 SH   OTR 2 0 0 1,838
Nvidia Corp. COM 67066G104   2,644,739 6,080 SH   SOLE   220 0 5,860
Old Republic COM 680223104   727,380 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109   281,764 1,835 SH   SOLE   0 0 1,835
Paychex COM 704326107   273,909 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108   3,775,970 22,285 SH   SOLE   94 0 22,191
PepsiCo COM 713448108   665,730 3,929 SH   OTR 2 0 0 3,929
Pfizer COM 717081103   4,252,560 128,205 SH   SOLE   17,446 0 110,759
Pfizer COM 717081103   29,024 875 SH   OTR 2 0 0 875
Procter & Gamble COM 742718109   4,852,033 33,265 SH   SOLE   2,437 0 30,828
Procter & Gamble COM 742718109   410,888 2,817 SH   OTR 2 0 0 2,817
Quaker Houghton COM 747316107   200,000 1,250 SH   SOLE   0 0 1,250
Qualcomm COM 747525103   825,731 7,435 SH   SOLE   600 0 6,835
Quanta Services COM 74762E102   2,729,725 14,592 SH   SOLE   0 0 14,592
Reliance Steel & Aluminum COM 759509102   2,564,872 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109   1,422,203 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104   2,841,794 7,777 SH   SOLE   500 0 7,277
Schlumberger COM 806857108   322,166 5,526 SH   SOLE   600 0 4,926
Schlumberger COM 806857108   199,095 3,415 SH   OTR 2 0 0 3,415
Schwab, Charles COM 808513105   2,453,316 44,687 SH   SOLE   0 0 44,687
Synopsys COM 871607107   2,276,491 4,960 SH   SOLE   0 0 4,960
Target COM 87612E106   269,459 2,437 SH   SOLE   0 0 2,437
Teledyne Technologies COM 879360106   978,958 2,396 SH   SOLE   0 0 2,396
Truist Financial COM 89832q109   989,019 34,569 SH   SOLE   0 0 34,569
Union Pacific COM 907818108   967,039 4,749 SH   SOLE   400 0 4,349
Union Pacific COM 907818108   134,599 661 SH   OTR 2 0 0 661
United Health Group COM 91324P102   1,735,422 3,442 SH   SOLE   0 0 3,442
United Parcel Service 'B' COM 911312106   745,059 4,780 SH   SOLE   300 0 4,480
United Rentals COM 911363109   2,192,619 4,932 SH   SOLE   0 0 4,932
VMware COM 928563402   1,833,777 11,015 SH   SOLE   0 0 11,015
Verizon Communications COM 92343v104   987,014 30,454 SH   SOLE   1,700 0 28,754
Viatris COM 92556v106   113,587 11,520 SH   SOLE   2,164 0 9,356
Wal-Mart Stores COM 931142103   2,053,341 12,839 SH   SOLE   0 0 12,839
Waste Management COM 94106L109   2,360,229 15,483 SH   SOLE   0 0 15,483
Westlake Chemical Corp. COM 960413102   836,660 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105   515,152 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101   392,936 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102   631,799 5,630 SH   SOLE   1,255 0 4,375
Zimmer Biomet COM 98956p102   120,861 1,077 SH   OTR 2 0 0 1,077
Zoetis COM 98978v103   1,905,081 10,950 SH   SOLE   0 0 10,950
Hoya Capital High Dividend Yie COM 26922b840   556,757 56,754 SH   SOLE   30,000 0 26,754
Hoya Capital Housing COM 26922a230   6,577,925 184,942 SH   SOLE   68,752 0 116,190
Ishares Russell Midcap Index COM 464287499   200,825 2,900 SH   SOLE   0 0 2,900
Digital Realty Trust COM 253868103   235,989 1,950 SH   SOLE   50 0 1,900
Kite Realty Group COM 49803t300   562,275 26,250 SH   SOLE   0 0 26,250
Mid America Apartment Communit COM 59522J103   1,007,458 7,831 SH   SOLE   0 0 7,831
Sun Communities COM 866674104   381,055 3,220 SH   SOLE   0 0 3,220
Terreno Realty Corp. COM 88146m101   587,880 10,350 SH   SOLE   0 0 10,350