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 380 2,371 SH   SOLE   0 0 2,371
AFLAC Inc. COM 001055102 624 17,180 SH   SOLE   0 0 17,180
AT&T Inc. COM 00206R102 280 9,838 SH   SOLE   0 0 9,838
Abbott Laboratories COM 002824100 1,507 13,845 SH   SOLE   0 0 13,845
Alphabet Inc. Class A COM 02079K305 1,123 766 SH   SOLE   0 0 766
Alphabet Inc. Class C COM 02079K107 827 563 SH   SOLE   0 0 563
American Express Co. COM 025816109 1,196 11,935 SH   SOLE   0 0 11,935
Amgen Inc. COM 031162100 3,140 12,353 SH   SOLE   0 0 12,353
Anthem, Inc. COM 036752103 1,888 7,031 SH   SOLE   0 0 7,031
Apple Inc. COM 037833100 5,318 45,916 SH   SOLE   0 0 45,916
Automatic Data Processing Inc. COM 053015103 2,055 14,735 SH   SOLE   0 0 14,735
Avalonbay Communities COM 053484101 812 5,440 SH   SOLE   0 0 5,440
Becton Dickinson & Co. COM 075887109 591 2,539 SH   SOLE   0 0 2,539
Berkshire Hathaway Class B COM 084670702 2,110 9,911 SH   SOLE   0 0 9,911
Boeing Company COM 097023105 222 1,341 SH   SOLE   0 0 1,341
CVS Health Corporation COM 126650100 398 6,823 SH   SOLE   0 0 6,823
Camden Property Trust COM 133131102 1,133 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104 337 11,032 SH   SOLE   0 0 11,032
Chevron Corp COM 166764100 986 13,698 SH   SOLE   0 0 13,698
Chubb Limited COM H1467J104 317 2,728 SH   SOLE   0 0 2,728
Cigna Corporation COM 125523100 219 1,292 SH   SOLE   0 0 1,292
Cisco Systems Inc. COM 17275R102 1,140 28,950 SH   SOLE   0 0 28,950
Coca-Cola Company COM 191216100 5,100 103,307 SH   SOLE   0 0 103,307
Colgate-Palmolive Co COM 194162103 658 8,527 SH   SOLE   0 0 8,527
Comcast cl A COM 20030N101 1,747 37,764 SH   SOLE   0 0 37,764
ConocoPhillips COM 20825C104 425 12,930 SH   SOLE   0 0 12,930
Costco Wholesale Corp COM 22160K105 2,840 8,001 SH   SOLE   0 0 8,001
Danaher Corporation COM 235851102 5,220 24,241 SH   SOLE   0 0 24,241
Diageo PLC ADS COM 25243Q205 1,145 8,315 SH   SOLE   0 0 8,315
Dominion Energy, Inc. COM 25746U109 1,251 15,848 SH   SOLE   0 0 15,848
Dow Inc. COM 260557103 238 5,052 SH   SOLE   0 0 5,052
DuPont de Nemours Inc. COM 26614N102 292 5,266 SH   SOLE   0 0 5,266
Duke Energy Corp COM 26441C204 1,306 14,746 SH   SOLE   0 0 14,746
Emerson Electric Co. COM 291011104 1,184 18,053 SH   SOLE   0 0 18,053
Energy Transfer LP COM 29273V100 54 10,000 SH   SOLE   0 0 10,000
Enterprise Products Part LP COM 293792107 180 11,416 SH   SOLE   0 0 11,416
Equity Residential Properties COM 29476L107 421 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102 1,117 32,551 SH   SOLE   0 0 32,551
Fiserv Inc. COM 337738108 3,356 32,565 SH   SOLE   0 0 32,565
Fortive Corporation COM 34959J108 1,395 18,299 SH   SOLE   0 0 18,299
General Electric Company COM 369604103 62 10,016 SH   SOLE   0 0 10,016
General Mills Inc. COM 370334104 1,311 21,255 SH   SOLE   0 0 21,255
Genuine Parts Company COM 372460105 566 5,950 SH   SOLE   0 0 5,950
Goldman Sachs Group Inc COM 38141G104 209 1,041 SH   SOLE   0 0 1,041
Home Depot Inc. COM 437076102 5,332 19,200 SH   SOLE   0 0 19,200
Honeywell Intl Inc COM 438516106 2,392 14,534 SH   SOLE   0 0 14,534
Intel Corporation COM 458140100 1,640 31,671 SH   SOLE   0 0 31,671
JPMorgan Chase & Co COM 46625H100 1,491 15,492 SH   SOLE   0 0 15,492
Johnson & Johnson COM 478160104 7,055 47,387 SH   SOLE   0 0 47,387
Merck & Co. Inc. COM 58933Y105 1,174 14,147 SH   SOLE   0 0 14,147
Microsoft Corporation COM 594918104 4,778 22,717 SH   SOLE   0 0 22,717
Mondelez International Inc COM 609207105 2,565 44,649 SH   SOLE   0 0 44,649
Morgan Stanley COM 617446448 448 9,275 SH   SOLE   0 0 9,275
Murphy USA, Inc. COM 626755102 238 1,855 SH   SOLE   0 0 1,855
Norzinc Ltd COM 136802105 11 147,500 SH   SOLE   0 0 147,500
Novo-Nordisk A/S COM 670100205 630 9,070 SH   SOLE   0 0 9,070
Nucor Corporation COM 670346105 335 7,469 SH   SOLE   0 0 7,469
Otis Worldwide Corp COM 68902V107 344 5,509 SH   SOLE   0 0 5,509
PepsiCo, Inc. COM 713448108 2,003 14,448 SH   SOLE   0 0 14,448
Pfizer Inc. COM 717081103 1,879 51,205 SH   SOLE   0 0 51,205
Phillips 66 COM 718546104 428 8,251 SH   SOLE   0 0 8,251
Procter & Gamble Co. COM 742718109 3,182 22,895 SH   SOLE   0 0 22,895
Raytheon Technologies Corp COM 75513E101 961 16,705 SH   SOLE   0 0 16,705
Republic Services Inc. COM 760759100 1,391 14,903 SH   SOLE   0 0 14,903
Stryker Corp COM 863667101 900 4,318 SH   SOLE   0 0 4,318
Sysco Corporation COM 871829107 2,943 47,296 SH   SOLE   0 0 47,296
TJX Companies Inc. COM 872540109 4,053 72,830 SH   SOLE   0 0 72,830
U.S. Bancorp COM 902973304 1,028 28,676 SH   SOLE   0 0 28,676
Union Pacific Corp. COM 907818108 1,386 7,039 SH   SOLE   0 0 7,039
Verizon Communications, Inc. COM 92343V104 1,254 21,074 SH   SOLE   0 0 21,074
Walt Disney Company COM 254687106 3,153 25,415 SH   SOLE   0 0 25,415
IShares Select Dividend ETF OTR 464287168 296 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176 6,209 49,082 SH   SOLE   0 0 49,082
IShares S&P ST AMT Free ETF OTR 464288158 265 2,450 SH   SOLE   0 0 2,450
IShares ST Corp Bond ETF OTR 464288646 4,493 81,829 SH   SOLE   0 0 81,829
Invesco Financial Pfd ETF OTR 46137V621 234 12,500 SH   SOLE   0 0 12,500
S&P Preferred Stock ETF OTR 464288687 1,371 37,622 SH   SOLE   0 0 37,622
SPDR Gold Trust OTR 78463V107 324 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103 1,764 5,266 SH   SOLE   0 0 5,266
Vanguard Ext Mkt ETF OTR 922908652 912 7,028 SH   SOLE   0 0 7,028
Vanguard Interm Corp ETF OTR 92206C870 4,735 49,422 SH   SOLE   0 0 49,422
Vanguard Interm Govt ETF OTR 92206C706 1,373 19,475 SH   SOLE   0 0 19,475
Vanguard Sh Term Bond ETF OTR 921937827 4,301 51,790 SH   SOLE   0 0 51,790
Vanguard Sh Term Govt ETF OTR 92206C102 4,672 75,240 SH   SOLE   0 0 75,240
Vanguard Sh Term Corp ETF OTR 92206C409 4,070 49,128 SH   SOLE   0 0 49,128
Vanguard Tot Bond ETF OTR 921937835 741 8,400 SH   SOLE   0 0 8,400
Vanguard FTSE All-World ex-US OTR 922042775 368 7,300 SH   SOLE   0 0 7,300
Vanguard Total Stock Mkt OTR 922908769 230 1,350 SH   SOLE   0 0 1,350
iShares S&P Midcap 400 OTR 464287507 213 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE OTR 464287465 252 3,967 SH   SOLE   0 0 3,967