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 314 2,429 SH   SOLE   0 0 2,429
AFLAC Inc. COM 001055102 937 16,940 SH   SOLE   0 0 16,940
AT&T Inc. COM 00206R102 203 9,662 SH   SOLE   0 0 9,662
Abbott Laboratories COM 002824100 1,450 13,344 SH   SOLE   0 0 13,344
Alphabet Inc. Class A COM 02079K305 1,634 750 SH   SOLE   0 0 750
Alphabet Inc. Class C COM 02079K107 1,214 555 SH   SOLE   0 0 555
American Express Co. COM 025816109 1,639 11,822 SH   SOLE   0 0 11,822
Amgen Inc. COM 031162100 3,114 12,797 SH   SOLE   0 0 12,797
Anthem, Inc. COM 036752103 3,320 6,880 SH   SOLE   0 0 6,880
Apple Inc. COM 037833100 5,626 41,149 SH   SOLE   0 0 41,149
Automatic Data Processing Inc. COM 053015103 3,097 14,747 SH   SOLE   0 0 14,747
Avalonbay Communities COM 053484101 1,057 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104 233 7,487 SH   SOLE   0 0 7,487
Becton Dickinson & Co. COM 075887109 808 3,277 SH   SOLE   0 0 3,277
Berkshire Hathaway Class B COM 084670702 2,804 10,269 SH   SOLE   0 0 10,269
Boeing Company COM 097023105 216 1,577 SH   SOLE   0 0 1,577
CVS Health Corporation COM 126650100 650 7,018 SH   SOLE   0 0 7,018
Camden Property Trust COM 133131102 1,713 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104 371 10,402 SH   SOLE   0 0 10,402
Chevron Corp COM 166764100 2,094 14,461 SH   SOLE   0 0 14,461
Chubb Limited COM H1467J104 572 2,910 SH   SOLE   0 0 2,910
Cigna Corporation COM 125523100 337 1,278 SH   SOLE   0 0 1,278
Cisco Systems Inc. COM 17275R102 1,337 31,351 SH   SOLE   0 0 31,351
Coca-Cola Company COM 191216100 6,667 105,977 SH   SOLE   0 0 105,977
Colgate-Palmolive Co COM 194162103 685 8,547 SH   SOLE   0 0 8,547
Comcast cl A COM 20030N101 1,659 42,270 SH   SOLE   0 0 42,270
ConocoPhillips COM 20825C104 1,031 11,480 SH   SOLE   0 0 11,480
Corteva Inc. COM 22052L104 237 4,384 SH   SOLE   0 0 4,384
Costco Wholesale Corp COM 22160K105 4,131 8,620 SH   SOLE   0 0 8,620
Danaher Corporation COM 235851102 5,599 22,085 SH   SOLE   0 0 22,085
Diageo PLC ADS COM 25243Q205 1,448 8,315 SH   SOLE   0 0 8,315
Dominion Energy, Inc. COM 25746U109 1,366 17,118 SH   SOLE   0 0 17,118
Dow Inc. COM 260557103 246 4,775 SH   SOLE   0 0 4,775
DuPont de Nemours Inc. COM 26614N102 621 11,178 SH   SOLE   0 0 11,178
Duke Energy Corp COM 26441C204 1,579 14,728 SH   SOLE   0 0 14,728
Emerson Electric Co. COM 291011104 1,458 18,330 SH   SOLE   0 0 18,330
Enterprise Products Part LP COM 293792107 257 10,551 SH   SOLE   0 0 10,551
Equity Residential Properties COM 29476L107 592 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102 3,199 37,352 SH   SOLE   0 0 37,352
Fiserv Inc. COM 337738108 2,897 32,565 SH   SOLE   0 0 32,565
Fortive Corporation COM 34959J108 1,005 18,477 SH   SOLE   0 0 18,477
General Mills Inc. COM 370334104 1,604 21,255 SH   SOLE   0 0 21,255
Genuine Parts Company COM 372460105 791 5,950 SH   SOLE   0 0 5,950
Goldman Sachs Group Inc COM 38141G104 300 1,008 SH   SOLE   0 0 1,008
Home Depot Inc. COM 437076102 5,144 18,757 SH   SOLE   0 0 18,757
Honeywell Intl Inc COM 438516106 2,551 14,679 SH   SOLE   0 0 14,679
Intel Corporation COM 458140100 1,213 32,416 SH   SOLE   0 0 32,416
JPMorgan Chase & Co COM 46625H100 1,790 15,896 SH   SOLE   0 0 15,896
Johnson & Johnson COM 478160104 8,504 47,909 SH   SOLE   0 0 47,909
Merck & Co. Inc. COM 58933Y105 1,294 14,190 SH   SOLE   0 0 14,190
Microsoft Corporation COM 594918104 5,043 19,634 SH   SOLE   0 0 19,634
Mondelez International Inc COM 609207105 2,841 45,752 SH   SOLE   0 0 45,752
Morgan Stanley COM 617446448 637 8,379 SH   SOLE   0 0 8,379
Murphy USA, Inc. COM 626755102 415 1,780 SH   SOLE   0 0 1,780
Nike Inc cl B COM 654106103 431 4,217 SH   SOLE   0 0 4,217
Norzinc Ltd COM 136802105 5 232,300 SH   SOLE   0 0 232,300
Novo-Nordisk A/S COM 670100205 988 8,870 SH   SOLE   0 0 8,870
Nucor Corporation COM 670346105 973 9,321 SH   SOLE   0 0 9,321
Otis Worldwide Corp COM 68902V107 367 5,197 SH   SOLE   0 0 5,197
PepsiCo, Inc. COM 713448108 3,323 19,941 SH   SOLE   0 0 19,941
Pfizer Inc. COM 717081103 2,746 52,390 SH   SOLE   0 0 52,390
Phillips 66 COM 718546104 636 7,751 SH   SOLE   0 0 7,751
Procter & Gamble Co. COM 742718109 3,364 23,395 SH   SOLE   0 0 23,395
Raytheon Technologies Corp COM 75513E101 1,759 18,298 SH   SOLE   0 0 18,298
Republic Services Inc. COM 760759100 1,838 14,043 SH   SOLE   0 0 14,043
Stryker Corp COM 863667101 858 4,313 SH   SOLE   0 0 4,313
Sysco Corporation COM 871829107 4,006 47,291 SH   SOLE   0 0 47,291
TJX Companies Inc. COM 872540109 4,137 74,069 SH   SOLE   0 0 74,069
U.S. Bancorp COM 902973304 1,454 31,594 SH   SOLE   0 0 31,594
Union Pacific Corp. COM 907818108 1,315 6,165 SH   SOLE   0 0 6,165
Verizon Communications, Inc. COM 92343V104 1,168 23,012 SH   SOLE   0 0 23,012
Walt Disney Company COM 254687106 2,404 25,465 SH   SOLE   0 0 25,465
IShares Select Dividend ETF OTR 464287168 427 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176 5,902 51,811 SH   SOLE   0 0 51,811
IShares S&P ST AMT Free ETF OTR 464288158 2,030 19,395 SH   SOLE   0 0 19,395
IShares ST Corp Bond ETF OTR 464288646 5,068 100,255 SH   SOLE   0 0 100,255
S&P Preferred Stock ETF OTR 464288687 1,036 31,511 SH   SOLE   0 0 31,511
SPDR Gold Trust OTR 78463V107 308 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103 1,763 4,672 SH   SOLE   0 0 4,672
Vanguard Ext Mkt ETF OTR 922908652 855 6,525 SH   SOLE   0 0 6,525
Vanguard Interm Corp ETF OTR 92206C870 5,061 63,249 SH   SOLE   0 0 63,249
Vanguard Interm Govt ETF OTR 92206C706 4,224 69,073 SH   SOLE   0 0 69,073
Vanguard Sh Term Bond ETF OTR 921937827 9,698 126,286 SH   SOLE   0 0 126,286
Vanguard Sh Term Govt ETF OTR 92206C102 8,643 146,846 SH   SOLE   0 0 146,846
Vanguard Sh Term Corp ETF OTR 92206C409 5,264 69,030 SH   SOLE   0 0 69,030
Vanguard Tot Bond ETF OTR 921937835 1,034 13,737 SH   SOLE   0 0 13,737
Vanguard FTSE All-World ex-US OTR 922042775 535 10,712 SH   SOLE   0 0 10,712
Vanguard REIT ETF OTR 922908553 206 2,260 SH   SOLE   0 0 2,260
Vanguard Total Stock Mkt OTR 922908769 1,147 6,080 SH   SOLE   0 0 6,080
iShares S&P Midcap 400 OTR 464287507 260 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE ETF OTR 464287465 241 3,853 SH   SOLE   0 0 3,853