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 425 2,394 SH   SOLE   0 0 2,394
AFLAC Inc. COM 001055102 984 16,850 SH   SOLE   0 0 16,850
AT&T Inc. COM 00206R102 238 9,662 SH   SOLE   0 0 9,662
Abbott Laboratories COM 002824100 1,818 12,915 SH   SOLE   0 0 12,915
Alphabet Inc. Class A COM 02079K305 2,170 749 SH   SOLE   0 0 749
Alphabet Inc. Class C COM 02079K107 1,594 551 SH   SOLE   0 0 551
American Express Co. COM 025816109 1,903 11,630 SH   SOLE   0 0 11,630
Amgen Inc. COM 031162100 2,853 12,682 SH   SOLE   0 0 12,682
Anthem, Inc. COM 036752103 3,261 7,036 SH   SOLE   0 0 7,036
Apple Inc. COM 037833100 7,450 41,958 SH   SOLE   0 0 41,958
Automatic Data Processing Inc. COM 053015103 3,588 14,550 SH   SOLE   0 0 14,550
Avalonbay Communities COM 053484101 1,374 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104 344 7,737 SH   SOLE   0 0 7,737
Becton Dickinson & Co. COM 075887109 824 3,277 SH   SOLE   0 0 3,277
Berkshire Hathaway Class B COM 084670702 3,061 10,239 SH   SOLE   0 0 10,239
Boeing Company COM 097023105 310 1,542 SH   SOLE   0 0 1,542
CVS Health Corporation COM 126650100 714 6,918 SH   SOLE   0 0 6,918
Camden Property Trust COM 133131102 2,275 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104 564 10,402 SH   SOLE   0 0 10,402
Chevron Corp COM 166764100 1,634 13,923 SH   SOLE   0 0 13,923
Chubb Limited COM H1467J104 557 2,880 SH   SOLE   0 0 2,880
Cigna Corporation COM 125523100 293 1,278 SH   SOLE   0 0 1,278
Cisco Systems Inc. COM 17275R102 1,947 30,731 SH   SOLE   0 0 30,731
Coca-Cola Company COM 191216100 6,269 105,877 SH   SOLE   0 0 105,877
Colgate-Palmolive Co COM 194162103 704 8,252 SH   SOLE   0 0 8,252
Comcast cl A COM 20030N101 2,117 42,070 SH   SOLE   0 0 42,070
ConocoPhillips COM 20825C104 829 11,480 SH   SOLE   0 0 11,480
Corteva Inc. COM 22052L104 210 4,448 SH   SOLE   0 0 4,448
Costco Wholesale Corp COM 22160K105 4,890 8,613 SH   SOLE   0 0 8,613
Danaher Corporation COM 235851102 7,277 22,118 SH   SOLE   0 0 22,118
Diageo PLC ADS COM 25243Q205 1,830 8,315 SH   SOLE   0 0 8,315
Dominion Energy, Inc. COM 25746U109 1,331 16,939 SH   SOLE   0 0 16,939
Dow Inc. COM 260557103 271 4,775 SH   SOLE   0 0 4,775
DuPont de Nemours Inc. COM 26614N102 513 6,353 SH   SOLE   0 0 6,353
Duke Energy Corp COM 26441C204 1,529 14,573 SH   SOLE   0 0 14,573
Emerson Electric Co. COM 291011104 1,707 18,365 SH   SOLE   0 0 18,365
Enterprise Products Part LP COM 293792107 232 10,551 SH   SOLE   0 0 10,551
Equity Residential Properties COM 29476L107 742 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102 2,281 37,286 SH   SOLE   0 0 37,286
Fiserv Inc. COM 337738108 3,374 32,505 SH   SOLE   0 0 32,505
Fortive Corporation COM 34959J108 1,395 18,287 SH   SOLE   0 0 18,287
General Mills Inc. COM 370334104 1,432 21,255 SH   SOLE   0 0 21,255
Genuine Parts Company COM 372460105 834 5,950 SH   SOLE   0 0 5,950
Goldman Sachs Group Inc COM 38141G104 386 1,008 SH   SOLE   0 0 1,008
Home Depot Inc. COM 437076102 7,776 18,737 SH   SOLE   0 0 18,737
Honeywell Intl Inc COM 438516106 2,981 14,299 SH   SOLE   0 0 14,299
Intel Corporation COM 458140100 1,660 32,241 SH   SOLE   0 0 32,241
JPMorgan Chase & Co COM 46625H100 2,485 15,696 SH   SOLE   0 0 15,696
Johnson & Johnson COM 478160104 8,172 47,769 SH   SOLE   0 0 47,769
Lowes Companies Inc. COM 548661107 290 1,123 SH   SOLE   0 0 1,123
Merck & Co. Inc. COM 58933Y105 1,088 14,190 SH   SOLE   0 0 14,190
Microsoft Corporation COM 594918104 6,741 20,043 SH   SOLE   0 0 20,043
Mondelez International Inc COM 609207105 2,992 45,124 SH   SOLE   0 0 45,124
Morgan Stanley COM 617446448 822 8,379 SH   SOLE   0 0 8,379
Murphy USA, Inc. COM 626755102 355 1,780 SH   SOLE   0 0 1,780
Nike Inc cl B COM 654106103 677 4,061 SH   SOLE   0 0 4,061
Norzinc Ltd COM 136802105 8 212,300 SH   SOLE   0 0 212,300
Novo-Nordisk A/S COM 670100205 993 8,870 SH   SOLE   0 0 8,870
Nucor Corporation COM 670346105 790 6,924 SH   SOLE   0 0 6,924
Otis Worldwide Corp COM 68902V107 453 5,197 SH   SOLE   0 0 5,197
PepsiCo, Inc. COM 713448108 3,443 19,819 SH   SOLE   0 0 19,819
Pfizer Inc. COM 717081103 3,085 52,255 SH   SOLE   0 0 52,255
Phillips 66 COM 718546104 562 7,751 SH   SOLE   0 0 7,751
Procter & Gamble Co. COM 742718109 3,820 23,355 SH   SOLE   0 0 23,355
Public Service Enterprise Grp COM 744573106 203 3,036 SH   SOLE   0 0 3,036
Raytheon Technologies Corp COM 75513E101 1,518 17,643 SH   SOLE   0 0 17,643
Republic Services Inc. COM 760759100 2,008 14,403 SH   SOLE   0 0 14,403
Stryker Corp COM 863667101 1,147 4,288 SH   SOLE   0 0 4,288
Sysco Corporation COM 871829107 3,704 47,161 SH   SOLE   0 0 47,161
TJX Companies Inc. COM 872540109 5,616 73,979 SH   SOLE   0 0 73,979
U.S. Bancorp COM 902973304 1,648 29,333 SH   SOLE   0 0 29,333
Union Pacific Corp. COM 907818108 1,563 6,205 SH   SOLE   0 0 6,205
Verizon Communications, Inc. COM 92343V104 1,176 22,637 SH   SOLE   0 0 22,637
Vontier Corporation COM 928881101 217 7,047 SH   SOLE   0 0 7,047
Walt Disney Company COM 254687106 3,912 25,258 SH   SOLE   0 0 25,258
IShares Select Dividend ETF OTR 464287168 444 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176 6,684 51,731 SH   SOLE   0 0 51,731
IShares S&P ST AMT Free ETF OTR 464288158 2,082 19,395 SH   SOLE   0 0 19,395
IShares ST Corp Bond ETF OTR 464288646 5,237 97,189 SH   SOLE   0 0 97,189
Invesco Financial Pfd ETF OTR 46137V621 235 12,500 SH   SOLE   0 0 12,500
S&P Preferred Stock ETF OTR 464288687 1,270 32,211 SH   SOLE   0 0 32,211
SPDR Gold Trust OTR 78463V107 312 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103 2,262 4,762 SH   SOLE   0 0 4,762
Vanguard Ext Mkt ETF OTR 922908652 1,244 6,805 SH   SOLE   0 0 6,805
Vanguard Interm Corp ETF OTR 92206C870 5,605 60,429 SH   SOLE   0 0 60,429
Vanguard Interm Govt ETF OTR 92206C706 4,166 62,668 SH   SOLE   0 0 62,668
Vanguard Sh Term Bond ETF OTR 921937827 9,942 122,996 SH   SOLE   0 0 122,996
Vanguard Sh Term Govt ETF OTR 92206C102 9,209 151,386 SH   SOLE   0 0 151,386
Vanguard Sh Term Corp ETF OTR 92206C409 5,505 67,740 SH   SOLE   0 0 67,740
Vanguard Tot Bond ETF OTR 921937835 1,140 13,454 SH   SOLE   0 0 13,454
Vanguard FTSE All-World ex-US OTR 922042775 580 9,458 SH   SOLE   0 0 9,458
Vanguard REIT ETF OTR 922908553 262 2,260 SH   SOLE   0 0 2,260
Vanguard Total Stock Mkt OTR 922908769 730 3,023 SH   SOLE   0 0 3,023
iShares S&P Midcap 400 OTR 464287507 325 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE ETF OTR 464287465 303 3,853 SH   SOLE   0 0 3,853