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
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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 471 2,371 SH   SOLE   0 0 2,371
AFLAC Inc. COM 001055102 895 16,680 SH   SOLE   0 0 16,680
AT&T Inc. COM 00206R102 290 10,062 SH   SOLE   0 0 10,062
Abbott Laboratories COM 002824100 1,578 13,615 SH   SOLE   0 0 13,615
Alphabet Inc. Class A COM 02079K305 1,856 760 SH   SOLE   0 0 760
Alphabet Inc. Class C COM 02079K107 1,381 551 SH   SOLE   0 0 551
American Express Co. COM 025816109 1,972 11,935 SH   SOLE   0 0 11,935
Amgen Inc. COM 031162100 3,057 12,540 SH   SOLE   0 0 12,540
Anthem, Inc. COM 036752103 2,767 7,246 SH   SOLE   0 0 7,246
Apple Inc. COM 037833100 5,839 42,634 SH   SOLE   0 0 42,634
Automatic Data Processing Inc. COM 053015103 2,920 14,700 SH   SOLE   0 0 14,700
Avalonbay Communities COM 053484101 1,135 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104 319 7,737 SH   SOLE   0 0 7,737
Becton Dickinson & Co. COM 075887109 797 3,277 SH   SOLE   0 0 3,277
Berkshire Hathaway Class B COM 084670702 2,781 10,005 SH   SOLE   0 0 10,005
Boeing Company COM 097023105 321 1,342 SH   SOLE   0 0 1,342
CVS Health Corporation COM 126650100 573 6,868 SH   SOLE   0 0 6,868
Camden Property Trust COM 133131102 1,690 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104 506 10,402 SH   SOLE   0 0 10,402
Chevron Corp COM 166764100 1,433 13,685 SH   SOLE   0 0 13,685
Chubb Limited COM H1467J104 431 2,710 SH   SOLE   0 0 2,710
Cigna Corporation COM 125523100 306 1,292 SH   SOLE   0 0 1,292
Cisco Systems Inc. COM 17275R102 1,630 30,756 SH   SOLE   0 0 30,756
Coca-Cola Company COM 191216100 5,713 105,567 SH   SOLE   0 0 105,567
Colgate-Palmolive Co COM 194162103 725 8,917 SH   SOLE   0 0 8,917
Comcast cl A COM 20030N101 2,226 39,035 SH   SOLE   0 0 39,035
ConocoPhillips COM 20825C104 749 12,305 SH   SOLE   0 0 12,305
Corteva Inc. COM 22052L104 203 4,576 SH   SOLE   0 0 4,576
Costco Wholesale Corp COM 22160K105 3,146 7,952 SH   SOLE   0 0 7,952
Danaher Corporation COM 235851102 6,492 24,191 SH   SOLE   0 0 24,191
Diageo PLC ADS COM 25243Q205 1,594 8,315 SH   SOLE   0 0 8,315
Dominion Energy, Inc. COM 25746U109 1,365 18,554 SH   SOLE   0 0 18,554
Dow Inc. COM 260557103 310 4,903 SH   SOLE   0 0 4,903
DuPont de Nemours Inc. COM 26614N102 444 5,736 SH   SOLE   0 0 5,736
Duke Energy Corp COM 26441C204 1,447 14,658 SH   SOLE   0 0 14,658
Emerson Electric Co. COM 291011104 1,732 17,995 SH   SOLE   0 0 17,995
Enterprise Products Part LP COM 293792107 255 10,551 SH   SOLE   0 0 10,551
Equity Residential Properties COM 29476L107 631 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102 2,009 31,856 SH   SOLE   0 0 31,856
Fiserv Inc. COM 337738108 3,462 32,390 SH   SOLE   0 0 32,390
Fortive Corporation COM 34959J108 1,290 18,497 SH   SOLE   0 0 18,497
General Mills Inc. COM 370334104 1,295 21,255 SH   SOLE   0 0 21,255
Genuine Parts Company COM 372460105 752 5,950 SH   SOLE   0 0 5,950
Goldman Sachs Group Inc COM 38141G104 383 1,008 SH   SOLE   0 0 1,008
Home Depot Inc. COM 437076102 5,995 18,801 SH   SOLE   0 0 18,801
Honeywell Intl Inc COM 438516106 3,241 14,776 SH   SOLE   0 0 14,776
Intel Corporation COM 458140100 1,771 31,541 SH   SOLE   0 0 31,541
JPMorgan Chase & Co COM 46625H100 2,447 15,735 SH   SOLE   0 0 15,735
Johnson & Johnson COM 478160104 7,837 47,571 SH   SOLE   0 0 47,571
Lowes Companies Inc. COM 548661107 218 1,123 SH   SOLE   0 0 1,123
Merck & Co. Inc. COM 58933Y105 1,103 14,190 SH   SOLE   0 0 14,190
Microsoft Corporation COM 594918104 5,520 20,375 SH   SOLE   0 0 20,375
Mondelez International Inc COM 609207105 2,838 45,452 SH   SOLE   0 0 45,452
Morgan Stanley COM 617446448 846 9,229 SH   SOLE   0 0 9,229
Murphy USA, Inc. COM 626755102 247 1,855 SH   SOLE   0 0 1,855
Norzinc Ltd COM 136802105 9 147,500 SH   SOLE   0 0 147,500
Novo-Nordisk A/S COM 670100205 760 9,070 SH   SOLE   0 0 9,070
Nucor Corporation COM 670346105 707 7,369 SH   SOLE   0 0 7,369
Otis Worldwide Corp COM 68902V107 425 5,197 SH   SOLE   0 0 5,197
PepsiCo, Inc. COM 713448108 2,879 19,429 SH   SOLE   0 0 19,429
Pfizer Inc. COM 717081103 2,023 51,665 SH   SOLE   0 0 51,665
Phillips 66 COM 718546104 700 8,151 SH   SOLE   0 0 8,151
Procter & Gamble Co. COM 742718109 3,139 23,265 SH   SOLE   0 0 23,265
Raytheon Technologies Corp COM 75513E101 1,452 17,016 SH   SOLE   0 0 17,016
Republic Services Inc. COM 760759100 1,639 14,903 SH   SOLE   0 0 14,903
Stryker Corp COM 863667101 1,114 4,288 SH   SOLE   0 0 4,288
Sysco Corporation COM 871829107 3,700 47,586 SH   SOLE   0 0 47,586
TJX Companies Inc. COM 872540109 4,952 73,449 SH   SOLE   0 0 73,449
U.S. Bancorp COM 902973304 1,659 29,115 SH   SOLE   0 0 29,115
Union Pacific Corp. COM 907818108 1,409 6,405 SH   SOLE   0 0 6,405
Verizon Communications, Inc. COM 92343V104 1,245 22,227 SH   SOLE   0 0 22,227
Vontier Corporation COM 928881101 234 7,187 SH   SOLE   0 0 7,187
Walt Disney Company COM 254687106 4,435 25,231 SH   SOLE   0 0 25,231
IShares Select Dividend ETF OTR 464287168 423 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176 6,544 51,118 SH   SOLE   0 0 51,118
IShares S&P ST AMT Free ETF OTR 464288158 2,646 24,540 SH   SOLE   0 0 24,540
IShares ST Corp Bond ETF OTR 464288646 4,640 84,654 SH   SOLE   0 0 84,654
Invesco Financial Pfd ETF OTR 46137V621 241 12,500 SH   SOLE   0 0 12,500
S&P Preferred Stock ETF OTR 464288687 1,336 33,961 SH   SOLE   0 0 33,961
SPDR Gold Trust OTR 78463V107 303 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103 2,083 4,867 SH   SOLE   0 0 4,867
Vanguard Ext Mkt ETF OTR 922908652 1,350 7,160 SH   SOLE   0 0 7,160
Vanguard Interm Bond ETF OTR 921937819 218 2,425 SH   SOLE   0 0 2,425
Vanguard Interm Corp ETF OTR 92206C870 5,235 55,069 SH   SOLE   0 0 55,069
Vanguard Interm Govt ETF OTR 92206C706 3,051 44,987 SH   SOLE   0 0 44,987
Vanguard Sh Term Bond ETF OTR 921937827 7,600 92,505 SH   SOLE   0 0 92,505
Vanguard Sh Term Govt ETF OTR 92206C102 8,406 136,841 SH   SOLE   0 0 136,841
Vanguard Sh Term Corp ETF OTR 92206C409 5,009 60,564 SH   SOLE   0 0 60,564
Vanguard Tot Bond ETF OTR 921937835 788 9,175 SH   SOLE   0 0 9,175
Vanguard FTSE All-World ex-US OTR 922042775 513 8,088 SH   SOLE   0 0 8,088
Vanguard REIT ETF OTR 922908553 234 2,299 SH   SOLE   0 0 2,299
Vanguard Total Stock Mkt OTR 922908769 316 1,418 SH   SOLE   0 0 1,418
iShares S&P Midcap 400 OTR 464287507 309 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE OTR 464287465 304 3,853 SH   SOLE   0 0 3,853