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 414 2,371 SH   SOLE   0 0 2,371
AFLAC Inc. COM 001055102 755 16,980 SH   SOLE   0 0 16,980
AT&T Inc. COM 00206R102 292 10,138 SH   SOLE   0 0 10,138
Abbott Laboratories COM 002824100 1,491 13,615 SH   SOLE   0 0 13,615
Alphabet Inc. Class A COM 02079K305 1,336 762 SH   SOLE   0 0 762
Alphabet Inc. Class C COM 02079K107 993 567 SH   SOLE   0 0 567
American Express Co. COM 025816109 1,443 11,935 SH   SOLE   0 0 11,935
Amgen Inc. COM 031162100 2,841 12,358 SH   SOLE   0 0 12,358
Anthem, Inc. COM 036752103 2,340 7,289 SH   SOLE   0 0 7,289
Apple Inc. COM 037833100 5,845 44,052 SH   SOLE   0 0 44,052
Automatic Data Processing Inc. COM 053015103 2,596 14,735 SH   SOLE   0 0 14,735
Avalonbay Communities COM 053484101 873 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104 237 7,807 SH   SOLE   0 0 7,807
Becton Dickinson & Co. COM 075887109 635 2,539 SH   SOLE   0 0 2,539
Berkshire Hathaway Class B COM 084670702 2,304 9,937 SH   SOLE   0 0 9,937
Boeing Company COM 097023105 287 1,342 SH   SOLE   0 0 1,342
CVS Health Corporation COM 126650100 466 6,823 SH   SOLE   0 0 6,823
Camden Property Trust COM 133131102 1,272 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104 396 10,510 SH   SOLE   0 0 10,510
Chevron Corp COM 166764100 1,149 13,605 SH   SOLE   0 0 13,605
Chubb Limited COM H1467J104 420 2,728 SH   SOLE   0 0 2,728
Cigna Corporation COM 125523100 269 1,292 SH   SOLE   0 0 1,292
Cisco Systems Inc. COM 17275R102 1,356 30,300 SH   SOLE   0 0 30,300
Coca-Cola Company COM 191216100 5,742 104,712 SH   SOLE   0 0 104,712
Colgate-Palmolive Co COM 194162103 751 8,777 SH   SOLE   0 0 8,777
Comcast cl A COM 20030N101 2,032 38,784 SH   SOLE   0 0 38,784
ConocoPhillips COM 20825C104 492 12,305 SH   SOLE   0 0 12,305
Costco Wholesale Corp COM 22160K105 3,013 7,998 SH   SOLE   0 0 7,998
Danaher Corporation COM 235851102 5,389 24,261 SH   SOLE   0 0 24,261
Diageo PLC ADS COM 25243Q205 1,321 8,315 SH   SOLE   0 0 8,315
Dominion Energy, Inc. COM 25746U109 1,218 16,193 SH   SOLE   0 0 16,193
Dow Inc. COM 260557103 272 4,903 SH   SOLE   0 0 4,903
DuPont de Nemours Inc. COM 26614N102 394 5,547 SH   SOLE   0 0 5,547
Duke Energy Corp COM 26441C204 1,357 14,818 SH   SOLE   0 0 14,818
Emerson Electric Co. COM 291011104 1,483 18,453 SH   SOLE   0 0 18,453
Enterprise Products Part LP COM 293792107 224 11,416 SH   SOLE   0 0 11,416
Equity Residential Properties COM 29476L107 486 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102 1,315 31,915 SH   SOLE   0 0 31,915
Fiserv Inc. COM 337738108 3,710 32,585 SH   SOLE   0 0 32,585
Fortive Corporation COM 34959J108 1,296 18,299 SH   SOLE   0 0 18,299
General Mills Inc. COM 370334104 1,250 21,255 SH   SOLE   0 0 21,255
Genuine Parts Company COM 372460105 598 5,950 SH   SOLE   0 0 5,950
Goldman Sachs Group Inc COM 38141G104 275 1,041 SH   SOLE   0 0 1,041
Home Depot Inc. COM 437076102 5,089 19,159 SH   SOLE   0 0 19,159
Honeywell Intl Inc COM 438516106 3,107 14,609 SH   SOLE   0 0 14,609
Intel Corporation COM 458140100 1,569 31,491 SH   SOLE   0 0 31,491
JPMorgan Chase & Co COM 46625H100 1,972 15,522 SH   SOLE   0 0 15,522
Johnson & Johnson COM 478160104 7,477 47,505 SH   SOLE   0 0 47,505
Merck & Co. Inc. COM 58933Y105 1,157 14,147 SH   SOLE   0 0 14,147
Microsoft Corporation COM 594918104 5,029 22,611 SH   SOLE   0 0 22,611
Mondelez International Inc COM 609207105 2,641 45,164 SH   SOLE   0 0 45,164
Morgan Stanley COM 617446448 643 9,379 SH   SOLE   0 0 9,379
Murphy USA, Inc. COM 626755102 243 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 634 9,070 SH   SOLE   0 0 9,070
Nucor Corporation COM 670346105 397 7,469 SH   SOLE   0 0 7,469
Otis Worldwide Corp COM 68902V107 355 5,250 SH   SOLE   0 0 5,250
PepsiCo, Inc. COM 713448108 2,320 15,645 SH   SOLE   0 0 15,645
Pfizer Inc. COM 717081103 1,885 51,205 SH   SOLE   0 0 51,205
Phillips 66 COM 718546104 570 8,151 SH   SOLE   0 0 8,151
Procter & Gamble Co. COM 742718109 3,190 22,930 SH   SOLE   0 0 22,930
Raytheon Technologies Corp COM 75513E101 1,195 16,709 SH   SOLE   0 0 16,709
Republic Services Inc. COM 760759100 1,435 14,903 SH   SOLE   0 0 14,903
Stryker Corp COM 863667101 1,046 4,268 SH   SOLE   0 0 4,268
Sysco Corporation COM 871829107 3,534 47,586 SH   SOLE   0 0 47,586
TJX Companies Inc. COM 872540109 5,025 73,586 SH   SOLE   0 0 73,586
U.S. Bancorp COM 902973304 1,435 30,806 SH   SOLE   0 0 30,806
Union Pacific Corp. COM 907818108 1,464 7,030 SH   SOLE   0 0 7,030
Verizon Communications, Inc. COM 92343V104 1,258 21,414 SH   SOLE   0 0 21,414
Vontier Corporation COM 928881101 241 7,213 SH   SOLE   0 0 7,213
Walt Disney Company COM 254687106 4,665 25,749 SH   SOLE   0 0 25,749
IShares Select Dividend ETF OTR 464287168 349 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176 6,302 49,372 SH   SOLE   0 0 49,372
IShares S&P ST AMT Free ETF OTR 464288158 1,334 12,335 SH   SOLE   0 0 12,335
IShares ST Corp Bond ETF OTR 464288646 4,617 83,679 SH   SOLE   0 0 83,679
Invesco Financial Pfd ETF OTR 46137V621 240 12,500 SH   SOLE   0 0 12,500
S&P Preferred Stock ETF OTR 464288687 1,444 37,497 SH   SOLE   0 0 37,497
SPDR Gold Trust OTR 78463V107 326 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103 1,877 5,021 SH   SOLE   0 0 5,021
Vanguard Ext Mkt ETF OTR 922908652 1,147 6,968 SH   SOLE   0 0 6,968
Vanguard Interm Corp ETF OTR 92206C870 4,965 51,112 SH   SOLE   0 0 51,112
Vanguard Interm Govt ETF OTR 92206C706 1,811 26,082 SH   SOLE   0 0 26,082
Vanguard Sh Term Bond ETF OTR 921937827 4,608 55,590 SH   SOLE   0 0 55,590
Vanguard Sh Term Govt ETF OTR 92206C102 8,251 133,945 SH   SOLE   0 0 133,945
Vanguard Sh Term Corp ETF OTR 92206C409 4,370 52,488 SH   SOLE   0 0 52,488
Vanguard Tot Bond ETF OTR 921937835 759 8,605 SH   SOLE   0 0 8,605
Vanguard FTSE All-World ex-US OTR 922042775 437 7,495 SH   SOLE   0 0 7,495
Vanguard Total Stock Mkt OTR 922908769 240 1,235 SH   SOLE   0 0 1,235
iShares S&P Midcap 400 OTR 464287507 264 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE OTR 464287465 289 3,967 SH   SOLE   0 0 3,967