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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   340,868 3,406 SH   SOLE   3,406 0 0
ABBOTT LABS COM 002824100   605,606 5,555 SH   SOLE   5,555 0 0
ABBVIE INC COM 00287Y109   3,964,244 29,424 SH   SOLE   29,174 0 250
ADVANCE AUTO PARTS INC COM 00751Y106   2,141,690 30,465 SH   SOLE   30,415 0 50
AFLAC INC COM 001055102   621,220 8,900 SH   SOLE   8,900 0 0
AIR PRODS & CHEMS INC COM 009158106   283,655 947 SH   SOLE   947 0 0
ALPHABET INC CAP STK CL A 02079K305   3,863,198 32,274 SH   SOLE   32,274 0 0
ALPHABET INC CAP STK CL C 02079K107   5,867,529 48,504 SH   SOLE   48,504 0 0
ALTRIA GROUP INC COM 02209S103   10,103,988 223,046 SH   SOLE   222,046 0 1,000
AMAZON COM INC COM 023135106   1,592,608 12,217 SH   SOLE   12,217 0 0
AMERICAN EXPRESS CO COM 025816109   1,809,067 10,385 SH   SOLE   10,385 0 0
AMGEN INC COM 031162100   6,061,293 27,301 SH   SOLE   27,301 0 0
APPLE HOSPITALITY REIT INC COM NEW 03784Y200   2,370,381 156,875 SH   SOLE   156,325 0 550
APPLE INC COM 037833100   24,629,989 126,978 SH   SOLE   125,922 0 1,056
ARCOS DORADOS HOLDINGS INC SHS CLASS -A - G0457F107   273,603 26,693 SH   SOLE   26,693 0 0
AT&T INC COM 00206R102   1,217,395 76,326 SH   SOLE   75,726 0 600
AUTOMATIC DATA PROCESSING IN COM 053015103   793,706 3,611 SH   SOLE   3,611 0 0
BANK AMERICA CORP COM 060505104   4,592,408 160,070 SH   SOLE   159,220 0 850
BANK NEW YORK MELLON CORP COM 064058100   2,562,126 57,550 SH   SOLE   57,550 0 0
BECTON DICKINSON & CO COM 075887109   463,818 1,757 SH   SOLE   1,757 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   12,745,216 37,376 SH   SOLE   37,316 0 60
BLACKROCK INC COM 09247X101   2,888,274 4,179 SH   SOLE   4,179 0 0
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102   642,960 23,500 SH   SOLE   22,950 0 550
BOOKING HOLDINGS INC COM 09857L108   259,232 96 SH   SOLE   96 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   4,124,903 64,502 SH   SOLE   64,502 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   3,029,102 91,238 SH   SOLE   90,788 0 450
BROADCOM INC COM 11135F101   937,275 1,081 SH   SOLE   927 0 154
CANADIAN PACIFIC KANSAS CITY COM 13646K108   290,368 3,595 SH   SOLE   3,595 0 0
CANNAE HLDGS INC COM 13765N107   1,059,004 52,400 SH   SOLE   52,400 0 0
CARDINAL HEALTH INC COM 14149Y108   611,395 6,465 SH   SOLE   6,465 0 0
CARMAX INC COM 143130102   5,098,167 60,910 SH   SOLE   60,910 0 0
CHEMOURS CO COM 163851108   213,814 5,796 SH   SOLE   5,796 0 0
CHEVRON CORP NEW COM 166764100   6,866,262 43,637 SH   SOLE   43,637 0 0
CISCO SYS INC COM 17275R102   8,864,500 171,328 SH   SOLE   170,828 0 500
CITIGROUP INC COM NEW 172967424   4,638,985 100,760 SH   SOLE   100,460 0 300
CLOROX CO DEL COM 189054109   411,755 2,589 SH   SOLE   2,589 0 0
CME GROUP INC COM 12572Q105   5,530,112 29,846 SH   SOLE   29,806 0 40
COCA COLA CO COM 191216100   855,075 14,199 SH   SOLE   14,199 0 0
COMCAST CORP NEW CL A 20030N101   228,525 5,500 SH   SOLE   5,500 0 0
CONOCOPHILLIPS COM 20825C104   218,203 2,106 SH   SOLE   2,106 0 0
CONSTELLATION BRANDS INC CL A 21036P108   324,399 1,318 SH   SOLE   1,318 0 0
COSTCO WHSL CORP NEW COM 22160K105   2,979,933 5,535 SH   SOLE   5,535 0 0
CUMMINS INC COM 231021106   1,030,407 4,203 SH   SOLE   4,203 0 0
CVS HEALTH CORP COM 126650100   2,327,120 33,663 SH   SOLE   33,663 0 0
D R HORTON INC COM 23331A109   6,303,055 51,796 SH   SOLE   51,796 0 0
DANAHER CORPORATION COM 235851102   879,360 3,664 SH   SOLE   3,664 0 0
DAVITA INC COM 23918K108   4,578,920 45,575 SH   SOLE   45,575 0 0
DELTA AIR LINES INC DEL COM NEW 247361702   2,481,588 52,200 SH   SOLE   52,200 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   435,088 2,508 SH   SOLE   2,508 0 0
DOMINION ENERGY INC COM 25746U109   205,762 3,973 SH   SOLE   3,973 0 0
EATON CORP PLC SHS G29183103   680,357 3,383 SH   SOLE   3,383 0 0
EBAY INC. COM 278642103   2,398,736 53,675 SH   SOLE   53,675 0 0
EMERSON ELEC CO COM 291011104   2,441,266 27,008 SH   SOLE   27,008 0 0
EXXON MOBIL CORP COM 30231G102   39,738,081 370,518 SH   SOLE   370,318 0 200
FEDERATED HERMES INC CL B 314211103   6,270,165 174,900 SH   SOLE   174,700 0 200
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   291,814 3,592 SH   SOLE   3,592 0 0
GENERAL ELECTRIC CO COM NEW 369604301   5,179,647 47,152 SH   SOLE   47,152 0 0
GRAINGER W W INC COM 384802104   788,590 1,000 SH   SOLE   1,000 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109   420,588 25,035 SH   SOLE   25,035 0 0
HP INC COM 40434L105   1,670,624 54,400 SH   SOLE   54,400 0 0
ILLINOIS TOOL WKS INC COM 452308109   575,368 2,300 SH   SOLE   2,300 0 0
INTEL CORP COM 458140100   712,301 21,301 SH   SOLE   21,301 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,343,854 10,043 SH   SOLE   9,943 0 100
INTUIT COM 461202103   1,753,951 3,828 SH   SOLE   3,828 0 0
ISHARES TR CORE S&P500 ETF 464287200   729,627 1,637 SH   SOLE   1,621 0 16
ISHARES TR RUSSELL 2000 ETF 464287655   237,271 1,267 SH   SOLE   1,267 0 0
ISHARES TR CORE S&P SCP ETF 464287804   331,817 3,330 SH   SOLE   3,330 0 0
ISHARES TR TIPS BD ETF 464287176   307,255 2,855 SH   SOLE   2,855 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   228,690 4,500 SH   SOLE   4,500 0 0
ISHARES TR CORE MSCI EAFE 46432F842   344,250 5,100 SH   SOLE   5,100 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747   536,800 5,500 SH   SOLE   5,500 0 0
JOHNSON & JOHNSON COM 478160104   3,374,795 20,389 SH   SOLE   20,389 0 0
JPMORGAN CHASE & CO COM 46625H100   9,178,090 63,106 SH   SOLE   62,440 0 666
KIMBERLY-CLARK CORP COM 494368103   290,898 2,107 SH   SOLE   2,107 0 0
KINDER MORGAN INC DEL COM 49456B101   2,901,246 168,481 SH   SOLE   166,981 0 1,500
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   4,678,663 215,706 SH   SOLE   215,706 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   3,438,983 16,587 SH   SOLE   16,587 0 0
LILLY ELI & CO COM 532457108   1,459,935 3,113 SH   SOLE   3,113 0 0
LKQ CORP COM 501889208   8,594,009 147,486 SH   SOLE   147,486 0 0
LOCKHEED MARTIN CORP COM 539830109   1,470,454 3,194 SH   SOLE   3,169 0 25
LOWES COS INC COM 548661107   837,798 3,712 SH   SOLE   3,712 0 0
MASTERCARD INCORPORATED CL A 57636Q104   2,242,597 5,702 SH   SOLE   5,702 0 0
MCDONALDS CORP COM 580135101   367,984 1,233 SH   SOLE   1,233 0 0
MCKESSON CORP COM 58155Q103   9,866,588 23,090 SH   SOLE   23,090 0 0
MEDTRONIC PLC SHS G5960L103   5,625,978 63,859 SH   SOLE   63,609 0 250
MERCK & CO INC COM 58933Y105   7,641,726 66,225 SH   SOLE   66,225 0 0
META PLATFORMS INC CL A 30303M102   390,867 1,362 SH   SOLE   1,362 0 0
MICROSOFT CORP COM 594918104   14,178,092 41,634 SH   SOLE   41,634 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209   3,171,513 48,170 SH   SOLE   48,170 0 0
NEWMONT CORP COM 651639106   2,972,762 69,685 SH   SOLE   69,485 0 200
NORFOLK SOUTHN CORP COM 655844108   1,814,080 8,000 SH   SOLE   8,000 0 0
NOVARTIS AG SPONSORED ADR 66987V109   333,911 3,309 SH   SOLE   3,309 0 0
OLD REP INTL CORP COM 680223104   427,635 16,990 SH   SOLE   16,990 0 0
OMNICOM GROUP INC COM 681919106   447,205 4,700 SH   SOLE   4,700 0 0
ORACLE CORP COM 68389X105   3,229,125 27,115 SH   SOLE   27,115 0 0
PAYPAL HLDGS INC COM 70450Y103   869,826 13,035 SH   SOLE   13,035 0 0
PAYSAFE LIMITED *W EXP 03/30/202 G6964L115   8,054 168,500 SH   SOLE   168,500 0 0
PEPSICO INC COM 713448108   2,989,465 16,140 SH   SOLE   16,140 0 0
PFIZER INC COM 717081103   3,339,132 91,034 SH   SOLE   90,434 0 600
PHILIP MORRIS INTL INC COM 718172109   961,850 9,853 SH   SOLE   9,853 0 0
PHILLIPS 66 COM 718546104   492,326 5,162 SH   SOLE   5,162 0 0
PRICE T ROWE GROUP INC COM 74144T108   2,729,591 24,367 SH   SOLE   24,367 0 0
PROCTER AND GAMBLE CO COM 742718109   2,487,891 16,396 SH   SOLE   16,396 0 0
PROGRESSIVE CORP COM 743315103   574,883 4,343 SH   SOLE   4,343 0 0
PULTE GROUP INC COM 745867101   955,464 12,300 SH   SOLE   12,300 0 0
QUALCOMM INC COM 747525103   6,629,829 55,694 SH   SOLE   55,183 0 511
RAYTHEON TECHNOLOGIES CORP COM 75513E101   271,119 2,768 SH   SOLE   2,768 0 0
REPUBLIC SVCS INC COM 760759100   236,954 1,547 SH   SOLE   1,547 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   7,193,273 116,264 SH   SOLE   115,564 0 700
SENSATA TECHNOLOGIES HLDG PL SHS G8060N102   2,987,336 66,400 SH   SOLE   66,400 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307   5,821,536 64,655 SH   SOLE   64,655 0 0
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104   1,195,840 80,800 SH   SOLE   80,800 0 0
SUNCOR ENERGY INC NEW COM 867224107   3,343,799 114,045 SH   SOLE   113,645 0 400
TANGER FACTORY OUTLET CTRS I COM 875465106   3,195,736 144,800 SH   SOLE   144,000 0 800
TARGET CORP COM 87612E106   2,033,370 15,416 SH   SOLE   15,366 0 50
THERMO FISHER SCIENTIFIC INC COM 883556102   260,875 500 SH   SOLE   500 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   230,277 1,204 SH   SOLE   1,204 0 0
TRAVELERS COMPANIES INC COM 89417E109   607,810 3,500 SH   SOLE   3,500 0 0
UNILEVER PLC SPON ADR NEW 904767704   2,737,951 52,522 SH   SOLE   52,272 0 250
UNION PAC CORP COM 907818108   3,889,156 19,007 SH   SOLE   18,907 0 100
UNITED PARCEL SERVICE INC CL B 911312106   7,342,672 40,963 SH   SOLE   40,448 0 515
US BANCORP DEL COM NEW 902973304   2,111,917 63,920 SH   SOLE   63,920 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   362,072 889 SH   SOLE   889 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   295,093 5,262 SH   SOLE   5,262 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,767,471 47,525 SH   SOLE   47,525 0 0
VITESSE ENERGY INC COMMON STOCK 92852X103   267,680 11,950 SH   SOLE   11,650 0 300
WALGREENS BOOTS ALLIANCE INC COM 931427108   2,617,425 91,872 SH   SOLE   91,872 0 0
WALMART INC COM 931142103   1,139,555 7,250 SH   SOLE   7,250 0 0
WASTE MGMT INC DEL COM 94106L109   7,702,785 44,417 SH   SOLE   44,417 0 0
WHEATON PRECIOUS METALS CORP COM 962879102   1,811,782 41,920 SH   SOLE   41,920 0 0
WHIRLPOOL CORP COM 963320106   3,451,928 23,200 SH   SOLE   23,125 0 75
ZOETIS INC CL A 98978V103   285,008 1,655 SH   SOLE   1,655 0 0