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 457 2,371 SH   SOLE   0 0 2,371
AFLAC Inc. COM 001055102 884 17,280 SH   SOLE   0 0 17,280
AT&T Inc. COM 00206R102 305 10,062 SH   SOLE   0 0 10,062
Abbott Laboratories COM 002824100 1,632 13,615 SH   SOLE   0 0 13,615
Alphabet Inc. Class A COM 02079K305 1,586 769 SH   SOLE   0 0 769
Alphabet Inc. Class C COM 02079K107 1,181 571 SH   SOLE   0 0 571
American Express Co. COM 025816109 1,688 11,935 SH   SOLE   0 0 11,935
Amgen Inc. COM 031162100 3,113 12,511 SH   SOLE   0 0 12,511
Anthem, Inc. COM 036752103 2,628 7,322 SH   SOLE   0 0 7,322
Apple Inc. COM 037833100 5,250 42,983 SH   SOLE   0 0 42,983
Automatic Data Processing Inc. COM 053015103 2,782 14,760 SH   SOLE   0 0 14,760
Avalonbay Communities COM 053484101 1,004 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104 299 7,737 SH   SOLE   0 0 7,737
Becton Dickinson & Co. COM 075887109 800 3,290 SH   SOLE   0 0 3,290
Berkshire Hathaway Class B COM 084670702 2,556 10,005 SH   SOLE   0 0 10,005
Boeing Company COM 097023105 342 1,342 SH   SOLE   0 0 1,342
CVS Health Corporation COM 126650100 517 6,868 SH   SOLE   0 0 6,868
Camden Property Trust COM 133131102 1,400 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104 447 10,592 SH   SOLE   0 0 10,592
Chevron Corp COM 166764100 1,402 13,383 SH   SOLE   0 0 13,383
Chubb Limited COM H1467J104 434 2,750 SH   SOLE   0 0 2,750
Cigna Corporation COM 125523100 312 1,292 SH   SOLE   0 0 1,292
Cisco Systems Inc. COM 17275R102 1,580 30,555 SH   SOLE   0 0 30,555
Coca-Cola Company COM 191216100 5,557 105,417 SH   SOLE   0 0 105,417
Colgate-Palmolive Co COM 194162103 702 8,907 SH   SOLE   0 0 8,907
Comcast cl A COM 20030N101 2,105 38,899 SH   SOLE   0 0 38,899
ConocoPhillips COM 20825C104 652 12,305 SH   SOLE   0 0 12,305
Corteva Inc. COM 22052L104 213 4,576 SH   SOLE   0 0 4,576
Costco Wholesale Corp COM 22160K105 2,801 7,947 SH   SOLE   0 0 7,947
Danaher Corporation COM 235851102 5,456 24,241 SH   SOLE   0 0 24,241
Diageo PLC ADS COM 25243Q205 1,365 8,315 SH   SOLE   0 0 8,315
Dominion Energy, Inc. COM 25746U109 1,254 16,514 SH   SOLE   0 0 16,514
Dow Inc. COM 260557103 313 4,903 SH   SOLE   0 0 4,903
DuPont de Nemours Inc. COM 26614N102 429 5,557 SH   SOLE   0 0 5,557
Duke Energy Corp COM 26441C204 1,415 14,658 SH   SOLE   0 0 14,658
Emerson Electric Co. COM 291011104 1,622 17,983 SH   SOLE   0 0 17,983
Enterprise Products Part LP COM 293792107 232 10,551 SH   SOLE   0 0 10,551
Equity Residential Properties COM 29476L107 587 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102 1,769 31,686 SH   SOLE   0 0 31,686
Fiserv Inc. COM 337738108 3,856 32,390 SH   SOLE   0 0 32,390
Fortive Corporation COM 34959J108 1,295 18,339 SH   SOLE   0 0 18,339
General Mills Inc. COM 370334104 1,303 21,255 SH   SOLE   0 0 21,255
Genuine Parts Company COM 372460105 688 5,950 SH   SOLE   0 0 5,950
Goldman Sachs Group Inc COM 38141G104 330 1,008 SH   SOLE   0 0 1,008
Home Depot Inc. COM 437076102 5,837 19,121 SH   SOLE   0 0 19,121
Honeywell Intl Inc COM 438516106 3,197 14,729 SH   SOLE   0 0 14,729
Intel Corporation COM 458140100 2,022 31,591 SH   SOLE   0 0 31,591
JPMorgan Chase & Co COM 46625H100 2,383 15,655 SH   SOLE   0 0 15,655
Johnson & Johnson COM 478160104 7,810 47,516 SH   SOLE   0 0 47,516
Lowes Companies Inc. COM 548661107 214 1,123 SH   SOLE   0 0 1,123
Merck & Co. Inc. COM 58933Y105 1,094 14,190 SH   SOLE   0 0 14,190
Microsoft Corporation COM 594918104 5,187 22,001 SH   SOLE   0 0 22,001
Mondelez International Inc COM 609207105 2,652 45,304 SH   SOLE   0 0 45,304
Morgan Stanley COM 617446448 728 9,379 SH   SOLE   0 0 9,379
Murphy USA, Inc. COM 626755102 268 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 611 9,070 SH   SOLE   0 0 9,070
Nucor Corporation COM 670346105 600 7,469 SH   SOLE   0 0 7,469
Otis Worldwide Corp COM 68902V107 362 5,291 SH   SOLE   0 0 5,291
PepsiCo, Inc. COM 713448108 2,349 16,605 SH   SOLE   0 0 16,605
Pfizer Inc. COM 717081103 1,858 51,290 SH   SOLE   0 0 51,290
Phillips 66 COM 718546104 665 8,151 SH   SOLE   0 0 8,151
Procter & Gamble Co. COM 742718109 3,143 23,205 SH   SOLE   0 0 23,205
Raytheon Technologies Corp COM 75513E101 1,298 16,801 SH   SOLE   0 0 16,801
Republic Services Inc. COM 760759100 1,481 14,903 SH   SOLE   0 0 14,903
Stryker Corp COM 863667101 1,044 4,288 SH   SOLE   0 0 4,288
Sysco Corporation COM 871829107 3,747 47,586 SH   SOLE   0 0 47,586
TJX Companies Inc. COM 872540109 4,876 73,716 SH   SOLE   0 0 73,716
U.S. Bancorp COM 902973304 1,601 28,946 SH   SOLE   0 0 28,946
Union Pacific Corp. COM 907818108 1,527 6,930 SH   SOLE   0 0 6,930
Verizon Communications, Inc. COM 92343V104 1,287 22,134 SH   SOLE   0 0 22,134
Vontier Corporation COM 928881101 218 7,213 SH   SOLE   0 0 7,213
Walt Disney Company COM 254687106 4,755 25,769 SH   SOLE   0 0 25,769
IShares Select Dividend ETF OTR 464287168 414 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176 6,357 50,657 SH   SOLE   0 0 50,657
IShares S&P ST AMT Free ETF OTR 464288158 2,365 21,935 SH   SOLE   0 0 21,935
IShares ST Corp Bond ETF OTR 464288646 4,678 85,554 SH   SOLE   0 0 85,554
Invesco Financial Pfd ETF OTR 46137V621 236 12,500 SH   SOLE   0 0 12,500
S&P Preferred Stock ETF OTR 464288687 1,454 37,875 SH   SOLE   0 0 37,875
SPDR Gold Trust OTR 78463V107 292 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103 1,929 4,867 SH   SOLE   0 0 4,867
Vanguard Ext Mkt ETF OTR 922908652 1,262 7,133 SH   SOLE   0 0 7,133
Vanguard Interm Corp ETF OTR 92206C870 4,863 52,276 SH   SOLE   0 0 52,276
Vanguard Interm Govt ETF OTR 92206C706 2,167 32,232 SH   SOLE   0 0 32,232
Vanguard Sh Term Bond ETF OTR 921937827 6,264 76,215 SH   SOLE   0 0 76,215
Vanguard Sh Term Govt ETF OTR 92206C102 8,564 139,200 SH   SOLE   0 0 139,200
Vanguard Sh Term Corp ETF OTR 92206C409 4,659 56,469 SH   SOLE   0 0 56,469
Vanguard Tot Bond ETF OTR 921937835 767 9,055 SH   SOLE   0 0 9,055
Vanguard FTSE All-World ex-US OTR 922042775 472 7,775 SH   SOLE   0 0 7,775
Vanguard REIT ETF OTR 922908553 211 2,299 SH   SOLE   0 0 2,299
Vanguard Total Stock Mkt OTR 922908769 282 1,365 SH   SOLE   0 0 1,365
iShares S&P Midcap 400 OTR 464287507 299 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE OTR 464287465 301 3,967 SH   SOLE   0 0 3,967