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 Company COM 88579Y101 370 2,371 SH   SOLE   0 0 2,371
AFLAC Inc. COM 001055102 619 17,180 SH   SOLE   0 0 17,180
AT&T Inc. COM 00206R102 297 9,838 SH   SOLE   0 0 9,838
Abbott Laboratories COM 002824100 1,258 13,755 SH   SOLE   0 0 13,755
Alphabet Inc. Class A COM 02079K305 1,075 758 SH   SOLE   0 0 758
Alphabet Inc. Class C COM 02079K107 785 555 SH   SOLE   0 0 555
American Express Co. COM 025816109 1,136 11,935 SH   SOLE   0 0 11,935
Amgen Inc. COM 031162100 2,905 12,317 SH   SOLE   0 0 12,317
Anthem, Inc. COM 036752103 1,840 6,998 SH   SOLE   0 0 6,998
Apple Inc. COM 037833100 4,701 12,886 SH   SOLE   0 0 12,886
Automatic Data Processing Inc. COM 053015103 2,194 14,735 SH   SOLE   0 0 14,735
Avalonbay Communities COM 053484101 841 5,440 SH   SOLE   0 0 5,440
Becton Dickinson & Co. COM 075887109 608 2,539 SH   SOLE   0 0 2,539
Berkshire Hathaway Class B COM 084670702 1,769 9,911 SH   SOLE   0 0 9,911
Boeing Company COM 097023105 246 1,341 SH   SOLE   0 0 1,341
CVS Health Corporation COM 126650100 443 6,823 SH   SOLE   0 0 6,823
Camden Property Trust COM 133131102 1,162 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104 260 11,697 SH   SOLE   0 0 11,697
Chevron Corp COM 166764100 1,206 13,520 SH   SOLE   0 0 13,520
Chubb Limited COM H1467J104 345 2,728 SH   SOLE   0 0 2,728
Cigna Corporation COM 125523100 242 1,292 SH   SOLE   0 0 1,292
Cisco Systems Inc. COM 17275R102 1,311 28,111 SH   SOLE   0 0 28,111
Coca-Cola Company COM 191216100 4,612 103,227 SH   SOLE   0 0 103,227
Colgate-Palmolive Co COM 194162103 584 7,970 SH   SOLE   0 0 7,970
Comcast cl A COM 20030N101 1,444 37,034 SH   SOLE   0 0 37,034
ConocoPhillips COM 20825C104 543 12,930 SH   SOLE   0 0 12,930
Costco Wholesale Corp COM 22160K105 2,470 8,146 SH   SOLE   0 0 8,146
Danaher Corporation COM 235851102 4,287 24,241 SH   SOLE   0 0 24,241
Diageo PLC ADS COM 25243Q205 1,117 8,315 SH   SOLE   0 0 8,315
Dominion Energy, Inc. COM 25746U109 1,130 13,915 SH   SOLE   0 0 13,915
Dow Inc. COM 260557103 212 5,196 SH   SOLE   0 0 5,196
DuPont de Nemours Inc. COM 26614N102 279 5,251 SH   SOLE   0 0 5,251
Duke Energy Corp COM 26441C204 1,178 14,746 SH   SOLE   0 0 14,746
Emerson Electric Co. COM 291011104 1,112 17,919 SH   SOLE   0 0 17,919
Energy Transfer LP COM 29273V100 71 10,000 SH   SOLE   0 0 10,000
Enterprise Products Part LP COM 293792107 211 11,598 SH   SOLE   0 0 11,598
Equity Residential Properties COM 29476L107 482 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102 1,421 31,789 SH   SOLE   0 0 31,789
Fiserv Inc. COM 337738108 3,179 32,565 SH   SOLE   0 0 32,565
Fortive Corporation COM 34959J108 1,237 18,285 SH   SOLE   0 0 18,285
General Mills Inc. COM 370334104 1,310 21,255 SH   SOLE   0 0 21,255
Genuine Parts Company COM 372460105 517 5,950 SH   SOLE   0 0 5,950
Goldman Sachs Group Inc COM 38141G104 202 1,021 SH   SOLE   0 0 1,021
Home Depot Inc. COM 437076102 4,991 19,923 SH   SOLE   0 0 19,923
Honeywell Intl Inc COM 438516106 2,094 14,479 SH   SOLE   0 0 14,479
Intel Corporation COM 458140100 1,869 31,241 SH   SOLE   0 0 31,241
JPMorgan Chase & Co COM 46625H100 1,167 12,402 SH   SOLE   0 0 12,402
Johnson & Johnson COM 478160104 6,674 47,454 SH   SOLE   0 0 47,454
Merck & Co. Inc. COM 58933Y105 1,091 14,097 SH   SOLE   0 0 14,097
Microsoft Corporation COM 594918104 4,761 23,396 SH   SOLE   0 0 23,396
Mondelez International Inc COM 609207105 2,275 44,492 SH   SOLE   0 0 44,492
Morgan Stanley COM 617446448 448 9,275 SH   SOLE   0 0 9,275
Murphy USA, Inc. COM 626755102 209 1,855 SH   SOLE   0 0 1,855
Norzinc Ltd COM 136802105 8 147,500 SH   SOLE   0 0 147,500
Novo-Nordisk A/S COM 670100205 594 9,070 SH   SOLE   0 0 9,070
Nucor Corporation COM 670346105 309 7,469 SH   SOLE   0 0 7,469
Otis Worldwide Corp COM 68902V107 332 5,841 SH   SOLE   0 0 5,841
PepsiCo, Inc. COM 713448108 1,822 13,778 SH   SOLE   0 0 13,778
Pfizer Inc. COM 717081103 1,671 51,105 SH   SOLE   0 0 51,105
Phillips 66 COM 718546104 593 8,251 SH   SOLE   0 0 8,251
Procter & Gamble Co. COM 742718109 2,733 22,855 SH   SOLE   0 0 22,855
Raytheon Technologies Corp COM 75513E101 918 14,890 SH   SOLE   0 0 14,890
Republic Services Inc. COM 760759100 1,223 14,903 SH   SOLE   0 0 14,903
Stryker Corp COM 863667101 778 4,318 SH   SOLE   0 0 4,318
Sysco Corporation COM 871829107 2,607 47,696 SH   SOLE   0 0 47,696
TJX Companies Inc. COM 872540109 3,516 69,532 SH   SOLE   0 0 69,532
U.S. Bancorp COM 902973304 943 25,615 SH   SOLE   0 0 25,615
Union Pacific Corp. COM 907818108 1,190 7,039 SH   SOLE   0 0 7,039
Verizon Communications, Inc. COM 92343V104 1,108 20,103 SH   SOLE   0 0 20,103
Walt Disney Company COM 254687106 2,795 25,069 SH   SOLE   0 0 25,069
IShares Select Dividend ETF OTR 464287168 293 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176 4,433 36,037 SH   SOLE   0 0 36,037
IShares S&P ST AMT Free ETF OTR 464288158 264 2,450 SH   SOLE   0 0 2,450
IShares ST Corp Bond ETF OTR 464288646 4,264 77,934 SH   SOLE   0 0 77,934
Invesco Financial Pfd ETF OTR 46137V621 224 12,500 SH   SOLE   0 0 12,500
S&P Preferred Stock ETF OTR 464288687 1,271 36,714 SH   SOLE   0 0 36,714
SPDR Gold Trust OTR 78463V107 306 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103 1,529 4,957 SH   SOLE   0 0 4,957
Vanguard Ext Mkt ETF OTR 922908652 828 6,994 SH   SOLE   0 0 6,994
Vanguard Interm Corp ETF OTR 92206C870 4,408 46,329 SH   SOLE   0 0 46,329
Vanguard Interm Govt ETF OTR 92206C706 503 7,125 SH   SOLE   0 0 7,125
Vanguard Sh Term Bond ETF OTR 921937827 4,178 50,270 SH   SOLE   0 0 50,270
Vanguard Sh Term Corp ETF OTR 92206C409 3,746 45,316 SH   SOLE   0 0 45,316
Vanguard Tot Bond ETF OTR 921937835 742 8,400 SH   SOLE   0 0 8,400
Vanguard FTSE All-World ex-US OTR 922042775 342 7,190 SH   SOLE   0 0 7,190
Vanguard Total Stock Mkt OTR 922908769 211 1,350 SH   SOLE   0 0 1,350
iShares S&P Midcap 400 OTR 464287507 204 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE OTR 464287465 241 3,967 SH   SOLE   0 0 3,967