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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101   252 2,397 SH   SOLE   0 0 2,397
AFLAC Inc. COM 001055102   520 8,065 SH   SOLE   0 0 8,065
Abbott Laboratories COM 002824100   1,359 13,422 SH   SOLE   0 0 13,422
Alphabet Inc. Class A COM 02079K305   1,556 15,000 SH   SOLE   0 0 15,000
Alphabet Inc. Class C COM 02079K107   1,121 10,783 SH   SOLE   0 0 10,783
American Express Co. COM 025816109   1,945 11,792 SH   SOLE   0 0 11,792
Amgen Inc. COM 031162100   3,176 13,139 SH   SOLE   0 0 13,139
Apple Inc. COM 037833100   6,754 40,955 SH   SOLE   0 0 40,955
Automatic Data Processing Inc. COM 053015103   3,072 13,797 SH   SOLE   0 0 13,797
Avalonbay Communities COM 053484101   914 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104   214 7,487 SH   SOLE   0 0 7,487
Becton Dickinson & Co. COM 075887109   440 1,776 SH   SOLE   0 0 1,776
Berkshire Hathaway Class B COM 084670702   3,021 9,785 SH   SOLE   0 0 9,785
Boeing Company COM 097023105   363 1,708 SH   SOLE   0 0 1,708
CVS Health Corporation COM 126650100   525 7,068 SH   SOLE   0 0 7,068
Camden Property Trust COM 133131102   1,335 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104   475 10,382 SH   SOLE   0 0 10,382
Chevron Corp COM 166764100   2,382 14,600 SH   SOLE   0 0 14,600
Chubb Limited COM H1467J104   583 3,000 SH   SOLE   0 0 3,000
Cigna Corporation COM 125523100   327 1,278 SH   SOLE   0 0 1,278
Cisco Systems Inc. COM 17275R102   1,668 31,913 SH   SOLE   0 0 31,913
Coca-Cola Company COM 191216100   6,602 106,439 SH   SOLE   0 0 106,439
Colgate-Palmolive Co COM 194162103   674 8,972 SH   SOLE   0 0 8,972
Comcast cl A COM 20030N101   1,653 43,616 SH   SOLE   0 0 43,616
ConocoPhillips COM 20825C104   1,124 11,330 SH   SOLE   0 0 11,330
Corteva Inc. COM 22052L104   259 4,292 SH   SOLE   0 0 4,292
Costco Wholesale Corp COM 22160K105   4,287 8,629 SH   SOLE   0 0 8,629
Danaher Corporation COM 235851102   5,309 21,065 SH   SOLE   0 0 21,065
Diageo PLC ADS COM 25243Q205   1,416 7,815 SH   SOLE   0 0 7,815
Dominion Energy, Inc. COM 25746U109   1,059 18,941 SH   SOLE   0 0 18,941
Dow Inc. COM 260557103   270 4,918 SH   SOLE   0 0 4,918
DuPont de Nemours Inc. COM 26614N102   971 13,526 SH   SOLE   0 0 13,526
Duke Energy Corp COM 26441C204   1,438 14,908 SH   SOLE   0 0 14,908
Elevance Health, Inc. COM 036752103   3,163 6,880 SH   SOLE   0 0 6,880
Emerson Electric Co. COM 291011104   1,629 18,692 SH   SOLE   0 0 18,692
Enterprise Products Part LP COM 293792107   273 10,551 SH   SOLE   0 0 10,551
Equity Residential Properties COM 29476L107   492 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102   4,115 37,524 SH   SOLE   0 0 37,524
Fiserv Inc. COM 337738108   3,691 32,655 SH   SOLE   0 0 32,655
Fortive Corporation COM 34959J108   1,266 18,572 SH   SOLE   0 0 18,572
General Mills Inc. COM 370334104   1,816 21,255 SH   SOLE   0 0 21,255
Genuine Parts Company COM 372460105   995 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   5,429 18,396 SH   SOLE   0 0 18,396
Honeywell Intl Inc COM 438516106   2,714 14,203 SH   SOLE   0 0 14,203
Intel Corporation COM 458140100   997 30,527 SH   SOLE   0 0 30,527
JPMorgan Chase & Co COM 46625H100   2,229 17,105 SH   SOLE   0 0 17,105
Johnson & Johnson COM 478160104   7,440 47,997 SH   SOLE   0 0 47,997
Lowes Companies Inc. COM 548661107   225 1,123 SH   SOLE   0 0 1,123
Merck & Co. Inc. COM 58933Y105   1,509 14,190 SH   SOLE   0 0 14,190
Microsoft Corporation COM 594918104   5,527 19,171 SH   SOLE   0 0 19,171
Mondelez International Inc COM 609207105   3,211 46,050 SH   SOLE   0 0 46,050
Morgan Stanley COM 617446448   723 8,229 SH   SOLE   0 0 8,229
Murphy USA, Inc. COM 626755102   459 1,780 SH   SOLE   0 0 1,780
Nike Inc cl B COM 654106103   506 4,122 SH   SOLE   0 0 4,122
Novo-Nordisk A/S COM 670100205   1,405 8,830 SH   SOLE   0 0 8,830
Nucor Corporation COM 670346105   1,429 9,251 SH   SOLE   0 0 9,251
Otis Worldwide Corp COM 68902V107   439 5,197 SH   SOLE   0 0 5,197
PepsiCo, Inc. COM 713448108   3,650 20,024 SH   SOLE   0 0 20,024
Pfizer Inc. COM 717081103   2,167 53,123 SH   SOLE   0 0 53,123
Phillips 66 COM 718546104   786 7,751 SH   SOLE   0 0 7,751
Procter & Gamble Co. COM 742718109   3,497 23,517 SH   SOLE   0 0 23,517
Raytheon Technologies Corp COM 75513E101   1,809 18,473 SH   SOLE   0 0 18,473
Republic Services Inc. COM 760759100   1,683 12,443 SH   SOLE   0 0 12,443
Stryker Corp COM 863667101   1,230 4,308 SH   SOLE   0 0 4,308
Sysco Corporation COM 871829107   3,622 46,901 SH   SOLE   0 0 46,901
TJX Companies Inc. COM 872540109   5,865 74,849 SH   SOLE   0 0 74,849
U.S. Bancorp COM 902973304   1,158 32,111 SH   SOLE   0 0 32,111
Union Pacific Corp. COM 907818108   1,241 6,165 SH   SOLE   0 0 6,165
Verizon Communications, Inc. COM 92343V104   932 23,977 SH   SOLE   0 0 23,977
Walt Disney Company COM 254687106   2,616 26,128 SH   SOLE   0 0 26,128
IShares Select Dividend ETF OTR 464287168   425 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176   5,620 50,971 SH   SOLE   0 0 50,971
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   4,918 97,305 SH   SOLE   0 0 97,305
S&P Preferred Stock ETF OTR 464288687   714 22,855 SH   SOLE   0 0 22,855
SPDR Gold Trust OTR 78463V107   335 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103   1,913 4,672 SH   SOLE   0 0 4,672
Vanguard Ext Mkt ETF OTR 922908652   887 6,325 SH   SOLE   0 0 6,325
Vanguard Interm Corp ETF OTR 92206C870   4,648 57,945 SH   SOLE   0 0 57,945
Vanguard Interm Govt ETF OTR 92206C706   4,250 70,878 SH   SOLE   0 0 70,878
Vanguard Sh Term Bond ETF OTR 921937827   9,401 122,906 SH   SOLE   0 0 122,906
Vanguard Sh Term Govt ETF OTR 92206C102   9,722 166,070 SH   SOLE   0 0 166,070
Vanguard Sh Term Corp ETF OTR 92206C409   5,245 68,806 SH   SOLE   0 0 68,806
Vanguard Tot Bond ETF OTR 921937835   1,005 13,617 SH   SOLE   0 0 13,617
Vanguard FTSE All-World ex-US OTR 922042775   542 10,141 SH   SOLE   0 0 10,141
Vanguard Total Stock Mkt OTR 922908769   1,248 6,115 SH   SOLE   0 0 6,115
iShares S&P Midcap 400 OTR 464287507   287 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE ETF OTR 464287465   276 3,853 SH   SOLE   0 0 3,853