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   625,389 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101   656,355 10,500 SH   SOLE   0 0 10,500
Abbott Laboratories COM 002824100   3,411,732 30,017 SH   SOLE   182 0 29,835
Abbvie COM 00287Y109   6,157,712 33,815 SH   SOLE   0 0 33,815
Aecon Group COM 00762v109   125,500 10,000 SH   SOLE   0 0 10,000
Alphabet Class A COM 02079k305   281,937 1,868 SH   SOLE   0 0 1,868
Alphabet Class C COM 02079k107   3,345,152 21,970 SH   SOLE   0 0 21,970
Amazon COM 023135106   3,513,081 19,476 SH   SOLE   0 0 19,476
American Express COM 025816109   3,498,685 15,366 SH   SOLE   0 0 15,366
American Water Works COM 030420103   660,545 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106   942,646 2,150 SH   SOLE   0 0 2,150
Amgen COM 031162100   1,520,828 5,349 SH   SOLE   600 0 4,749
Anheuser-Busch COM 03524a108   460,591 7,578 SH   SOLE   0 0 7,578
Apollo Global Mgmt. LLC COM 037612306   365,463 3,250 SH   SOLE   0 0 3,250
Apple COM 037833100   6,315,608 36,830 SH   SOLE   2,200 0 34,630
Applied Materials COM 038222105   3,870,318 18,767 SH   SOLE   0 0 18,767
Bank America COM 060505104   287,092 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100   750,212 13,020 SH   SOLE   7,392 0 5,628
Becton Dickinson COM 075887109   1,543,841 6,239 SH   SOLE   0 0 6,239
Blackstone Group COM 09253u108   263,528 2,006 SH   SOLE   0 0 2,006
Boeing COM 097023105   289,485 1,500 SH   SOLE   0 0 1,500
Bristol-Myers Squibb COM 110122108   3,713,399 68,475 SH   SOLE   7,466 0 61,009
Broadcom, Inc. COM 11135f101   2,169,696 1,637 SH   SOLE   0 0 1,637
CMS Energy COM 125896100   927,305 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100   1,210,358 15,175 SH   SOLE   0 0 15,175
Caterpillar COM 149123101   332,718 908 SH   SOLE   0 0 908
Chevron COM 166764100   2,717,702 17,229 SH   SOLE   716 0 16,513
Cigna COM 125509109   465,610 1,282 SH   SOLE   0 0 1,282
Cisco Systems COM 17275R952   444,199 8,900 SH   SOLE   0 0 8,900
Clorox COM 189054109   2,770,679 18,096 SH   SOLE   2,320 0 15,776
Coca-Cola COM 191216100   459,829 7,516 SH   SOLE   0 0 7,516
Corteva COM 22052l104   733,563 12,720 SH   SOLE   0 0 12,720
D R Horton COM 23331A109   3,536,180 21,490 SH   SOLE   0 0 21,490
Dell COM 24703l103   2,852,750 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101   1,694,468 24,035 SH   SOLE   0 0 24,035
Discover Financial Services COM 254709108   461,437 3,520 SH   SOLE   0 0 3,520
Disney COM 254687106   3,119,323 25,493 SH   SOLE   1,500 0 23,993
Dolby Class A COM 25659T107   929,009 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108   3,022,153 17,056 SH   SOLE   0 0 17,056
Dow COM 260557103   884,359 15,266 SH   SOLE   2,958 0 12,308
Du Pont (E.I) de Nemours COM 26614N102   1,776,137 23,166 SH   SOLE   2,958 0 20,208
Eli Lilly COM 532457108   829,305 1,066 SH   SOLE   0 0 1,066
Emerson Electric COM 291011104   1,342,099 11,833 SH   SOLE   3,200 0 8,633
Exxon Mobil COM 30231G102   5,712,615 49,145 SH   SOLE   6,675 0 42,470
FedEx COM 31428x106   566,152 1,954 SH   SOLE   0 0 1,954
First American Financial COM 31847r102   260,989 4,275 SH   SOLE   0 0 4,275
Fortrea Holdings COM 34965k107   298,601 7,439 SH   SOLE   0 0 7,439
GE Healthcare COM 36266g107   235,366 2,589 SH   SOLE   75 0 2,514
General Electric COM 369604301   1,366,150 7,783 SH   SOLE   225 0 7,558
Goldman Sachs COM 38141G104   1,103,955 2,643 SH   SOLE   0 0 2,643
Home Depot COM 437076102   3,796,873 9,898 SH   SOLE   700 0 9,198
Hubbell COM 443510607   2,029,595 4,890 SH   SOLE   0 0 4,890
Humana COM 444859102   1,849,404 5,334 SH   SOLE   0 0 5,334
Huntington Bancshares COM 446150104   363,077 26,027 SH   SOLE   0 0 26,027
Huntington Ingalls Ind. COM 446413106   1,973,835 6,772 SH   SOLE   0 0 6,772
Icon PLC COM G4705A100   3,057,481 9,101 SH   SOLE   0 0 9,101
Intel COM 458140100   2,719,326 61,565 SH   SOLE   2,800 0 58,765
International Business Machine COM 459200101   3,786,164 19,827 SH   SOLE   1,610 0 18,217
Intuit COM 461202103   1,175,860 1,809 SH   SOLE   0 0 1,809
JPMorgan Chase COM 46625h100   12,517,548 62,494 SH   SOLE   1,224 0 61,270
Jacobs Solutions COM 46982L108   1,035,372 6,735 SH   SOLE   0 0 6,735
Johnson & Johnson COM 478160104   14,535,288 91,885 SH   SOLE   6,471 0 85,414
Kroger COM 501044101   2,063,021 36,111 SH   SOLE   0 0 36,111
Laboratory Corp. of America COM 50540r409   1,828,729 8,371 SH   SOLE   0 0 8,371
Lear Corp. COM 521865204   2,060,049 14,219 SH   SOLE   0 0 14,219
Lowes COM 548661107   1,527,871 5,998 SH   SOLE   0 0 5,998
Marriott Vacations Worldwide COM 57164Y107   860,547 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106   889,688 11,279 SH   SOLE   0 0 11,279
Match Group COM 57665r106   235,675 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206   1,384,577 18,026 SH   SOLE   9,600 0 8,426
McDonald's Corp. COM 580135101   2,172,707 7,706 SH   SOLE   1,707 0 5,999
Merck COM 58933y105   4,026,322 30,514 SH   SOLE   2,548 0 27,966
Microsoft COM 594918104   7,507,328 17,844 SH   SOLE   800 0 17,044
Mondelez COM 609207105   277,970 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105   371,806 946 SH   SOLE   0 0 946
Nasdaq COM 631103108   1,704,647 27,015 SH   SOLE   0 0 27,015
Nestle ADR COM 641069406   4,439,028 41,757 SH   SOLE   5,000 0 36,757
Newmont Mining Corp. COM 651639106   1,162,004 32,422 SH   SOLE   0 0 32,422
Nvidia Corp. COM 67066G104   4,544,907 5,030 SH   SOLE   220 0 4,810
Old Republic COM 680223104   829,440 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109   348,246 1,835 SH   SOLE   0 0 1,835
Paychex COM 704326107   291,650 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108   3,878,222 22,160 SH   SOLE   94 0 22,066
Pfizer COM 717081103   3,376,176 121,664 SH   SOLE   17,446 0 104,218
Procter & Gamble COM 742718109   5,331,860 32,862 SH   SOLE   2,437 0 30,425
Qualcomm COM 747525103   1,219,468 7,203 SH   SOLE   600 0 6,603
Quanta Services COM 74762E102   3,791,002 14,592 SH   SOLE   0 0 14,592
RTX COM 75513e101   236,705 2,427 SH   SOLE   0 0 2,427
Reliance Steel & Aluminum COM 759509102   3,268,615 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109   1,449,367 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104   3,247,885 7,634 SH   SOLE   500 0 7,134
Schlumberger COM 806857108   302,880 5,526 SH   SOLE   600 0 4,926
Schwab, Charles COM 808513105   3,232,658 44,687 SH   SOLE   0 0 44,687
Synopsys COM 871607107   2,834,640 4,960 SH   SOLE   0 0 4,960
Target COM 87612E106   431,861 2,437 SH   SOLE   0 0 2,437
Teledyne Technologies COM 879360106   1,028,651 2,396 SH   SOLE   0 0 2,396
Travelers COM 89417E109   243,718 1,059 SH   SOLE   0 0 1,059
Truist Financial COM 89832q109   393,308 10,090 SH   SOLE   0 0 10,090
Union Pacific COM 907818108   1,167,922 4,749 SH   SOLE   400 0 4,349
United Health Group COM 91324P102   1,930,319 3,902 SH   SOLE   0 0 3,902
United Parcel Service 'B' COM 911312106   713,424 4,800 SH   SOLE   300 0 4,500
United Rentals COM 911363109   3,550,746 4,924 SH   SOLE   0 0 4,924
Verizon Communications COM 92343v104   1,144,963 27,287 SH   SOLE   1,700 0 25,587
Viatris COM 92556v106   133,501 11,181 SH   SOLE   2,164 0 9,017
Wal-Mart Stores COM 931142103   2,227,313 37,017 SH   SOLE   0 0 37,017
Waste Management COM 94106L109   3,293,807 15,453 SH   SOLE   0 0 15,453
Westlake Chemical Corp. COM 960413102   1,025,441 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105   568,564 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101   436,054 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102   729,585 5,528 SH   SOLE   1,255 0 4,273
Zoetis COM 98978v103   1,785,166 10,550 SH   SOLE   0 0 10,550
Hoya Capital High Dividend Yie COM 26922b840   814,369 77,930 SH   SOLE   30,000 0 47,930
Hoya Capital Housing COM 26922a230   7,311,929 162,642 SH   SOLE   68,752 0 93,890
Apple Hospitality COM 03784y200   278,460 17,000 SH   SOLE   0 0 17,000
Digital Realty Trust COM 253868103   273,676 1,900 SH   SOLE   50 0 1,850
Kite Realty Group COM 49803t300   1,095,057 50,510 SH   SOLE   0 0 50,510
Mid America Apartment Communit COM 59522J103   1,338,300 10,171 SH   SOLE   0 0 10,171