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   255 2,727 SH   SOLE   0 0 2,727
AFLAC Inc. COM 001055102   600 7,815 SH   SOLE   0 0 7,815
Abbott Laboratories COM 002824100   1,301 13,430 SH   SOLE   0 0 13,430
Alphabet Inc. Class A COM 02079K305   1,956 14,950 SH   SOLE   0 0 14,950
Alphabet Inc. Class C COM 02079K107   1,450 11,001 SH   SOLE   0 0 11,001
American Express Co. COM 025816109   1,759 11,792 SH   SOLE   0 0 11,792
Amgen Inc. COM 031162100   3,554 13,225 SH   SOLE   0 0 13,225
Apple Inc. COM 037833100   6,894 40,266 SH   SOLE   0 0 40,266
Automatic Data Processing Inc. COM 053015103   3,312 13,768 SH   SOLE   0 0 13,768
Avalonbay Communities COM 053484101   934 5,440 SH   SOLE   0 0 5,440
Bank of America Corp COM 060505104   205 7,487 SH   SOLE   0 0 7,487
Becton Dickinson & Co. COM 075887109   388 1,501 SH   SOLE   0 0 1,501
Berkshire Hathaway Class B COM 084670702   3,481 9,937 SH   SOLE   0 0 9,937
Boeing Company COM 097023105   329 1,718 SH   SOLE   0 0 1,718
CVS Health Corporation COM 126650100   488 6,988 SH   SOLE   0 0 6,988
Camden Property Trust COM 133131102   1,204 12,735 SH   SOLE   0 0 12,735
Carrier Global Corp COM 14448C104   571 10,347 SH   SOLE   0 0 10,347
Chevron Corp COM 166764100   2,466 14,624 SH   SOLE   0 0 14,624
Chubb Limited COM H1467J104   632 3,035 SH   SOLE   0 0 3,035
Cigna Corporation COM 125523100   366 1,278 SH   SOLE   0 0 1,278
Cisco Systems Inc. COM 17275R102   1,733 32,243 SH   SOLE   0 0 32,243
Coca-Cola Company COM 191216100   5,872 104,887 SH   SOLE   0 0 104,887
Colgate-Palmolive Co COM 194162103   648 9,107 SH   SOLE   0 0 9,107
Comcast cl A COM 20030N101   1,947 43,921 SH   SOLE   0 0 43,921
ConocoPhillips COM 20825C104   1,357 11,330 SH   SOLE   0 0 11,330
Corteva Inc. COM 22052L104   209 4,079 SH   SOLE   0 0 4,079
Costco Wholesale Corp COM 22160K105   4,863 8,607 SH   SOLE   0 0 8,607
Danaher Corporation COM 235851102   5,206 20,984 SH   SOLE   0 0 20,984
Diageo PLC ADS COM 25243Q205   1,166 7,815 SH   SOLE   0 0 7,815
Dominion Energy, Inc. COM 25746U109   877 19,641 SH   SOLE   0 0 19,641
Dow Inc. COM 260557103   245 4,761 SH   SOLE   0 0 4,761
DuPont de Nemours Inc. COM 26614N102   994 13,324 SH   SOLE   0 0 13,324
Duke Energy Corp COM 26441C204   1,358 15,388 SH   SOLE   0 0 15,388
Elevance Health, Inc. COM 036752103   3,027 6,951 SH   SOLE   0 0 6,951
Emerson Electric Co. COM 291011104   1,816 18,807 SH   SOLE   0 0 18,807
Enterprise Products Part LP COM 293792107   289 10,551 SH   SOLE   0 0 10,551
Equity Residential Properties COM 29476L107   481 8,200 SH   SOLE   0 0 8,200
Exxon Mobil Corporation COM 30231G102   4,422 37,609 SH   SOLE   0 0 37,609
Fiserv Inc. COM 337738108   3,673 32,520 SH   SOLE   0 0 32,520
Fortive Corporation COM 34959J108   1,353 18,247 SH   SOLE   0 0 18,247
General Mills Inc. COM 370334104   1,360 21,255 SH   SOLE   0 0 21,255
Genuine Parts Company COM 372460105   859 5,950 SH   SOLE   0 0 5,950
Goldman Sachs Group Inc COM 38141G104   326 1,008 SH   SOLE   0 0 1,008
Home Depot Inc. COM 437076102   5,564 18,414 SH   SOLE   0 0 18,414
Honeywell Intl Inc COM 438516106   2,661 14,403 SH   SOLE   0 0 14,403
Intel Corporation COM 458140100   1,095 30,802 SH   SOLE   0 0 30,802
JPMorgan Chase & Co COM 46625H100   2,540 17,515 SH   SOLE   0 0 17,515
Johnson & Johnson COM 478160104   7,490 48,093 SH   SOLE   0 0 48,093
Lowes Companies Inc. COM 548661107   202 973 SH   SOLE   0 0 973
Merck & Co. Inc. COM 58933Y105   1,461 14,190 SH   SOLE   0 0 14,190
Microsoft Corporation COM 594918104   5,951 18,846 SH   SOLE   0 0 18,846
Mondelez International Inc COM 609207105   3,213 46,304 SH   SOLE   0 0 46,304
Morgan Stanley COM 617446448   672 8,229 SH   SOLE   0 0 8,229
Murphy USA, Inc. COM 626755102   608 1,780 SH   SOLE   0 0 1,780
Nike Inc cl B COM 654106103   400 4,182 SH   SOLE   0 0 4,182
Novo-Nordisk A/S COM 670100205   1,430 15,730 SH   SOLE   0 0 15,730
Nucor Corporation COM 670346105   1,421 9,086 SH   SOLE   0 0 9,086
Otis Worldwide Corp COM 68902V107   416 5,180 SH   SOLE   0 0 5,180
PepsiCo, Inc. COM 713448108   3,405 20,095 SH   SOLE   0 0 20,095
Pfizer Inc. COM 717081103   1,786 53,863 SH   SOLE   0 0 53,863
Phillips 66 COM 718546104   929 7,731 SH   SOLE   0 0 7,731
Procter & Gamble Co. COM 742718109   3,448 23,639 SH   SOLE   0 0 23,639
Raytheon Technologies Corp COM 75513E101   1,358 18,872 SH   SOLE   0 0 18,872
Republic Services Inc. COM 760759100   1,773 12,443 SH   SOLE   0 0 12,443
Schlumberger Ltd. COM 806857108   206 3,533 SH   SOLE   0 0 3,533
Stryker Corp COM 863667101   1,139 4,169 SH   SOLE   0 0 4,169
Sysco Corporation COM 871829107   3,101 46,954 SH   SOLE   0 0 46,954
TJX Companies Inc. COM 872540109   6,670 75,042 SH   SOLE   0 0 75,042
U.S. Bancorp COM 902973304   1,004 30,382 SH   SOLE   0 0 30,382
Union Pacific Corp. COM 907818108   1,255 6,165 SH   SOLE   0 0 6,165
Verizon Communications, Inc. COM 92343V104   807 24,907 SH   SOLE   0 0 24,907
Walt Disney Company COM 254687106   2,168 26,755 SH   SOLE   0 0 26,755
IShares Select Dividend ETF OTR 464287168   390 3,625 SH   SOLE   0 0 3,625
IShares Barclays TIPS ETF OTR 464287176   5,209 50,221 SH   SOLE   0 0 50,221
IShares S&P ST AMT Free ETF OTR 464288158   1,830 17,795 SH   SOLE   0 0 17,795
IShares ST Corp Bond ETF OTR 464288646   4,427 88,845 SH   SOLE   0 0 88,845
S&P Preferred Stock ETF OTR 464288687   205 6,809 SH   SOLE   0 0 6,809
SPDR Gold Trust OTR 78463V107   313 1,827 SH   SOLE   0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103   1,991 4,657 SH   SOLE   0 0 4,657
Vanguard Ext Mkt ETF OTR 922908652   931 6,494 SH   SOLE   0 0 6,494
Vanguard Interm Corp ETF OTR 92206C870   3,777 49,710 SH   SOLE   0 0 49,710
Vanguard Interm Govt ETF OTR 92206C706   3,612 63,209 SH   SOLE   0 0 63,209
Vanguard Sh Term Bond ETF OTR 921937827   8,808 117,171 SH   SOLE   0 0 117,171
Vanguard Sh Term Govt ETF OTR 92206C102   9,499 164,910 SH   SOLE   0 0 164,910
Vanguard Sh Term Corp ETF OTR 92206C409   4,493 59,781 SH   SOLE   0 0 59,781
Vanguard Tot Bond ETF OTR 921937835   688 9,862 SH   SOLE   0 0 9,862
Vanguard FTSE All-World ex-US OTR 922042775   534 10,301 SH   SOLE   0 0 10,301
Vanguard Total Stock Mkt OTR 922908769   1,311 6,170 SH   SOLE   0 0 6,170
iShares S&P Midcap 400 OTR 464287507   287 1,149 SH   SOLE   0 0 1,149
iShr MSCI EAFE ETF OTR 464287465   266 3,853 SH   SOLE   0 0 3,853