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
Estimated average burden
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
ABBOTT LABS COM 002824100 361 3,050 SH   SOLE 0 3,050 0 0
ABBVIE INC. COM 00287Y109 503 3,100 SH   SOLE 0 3,100 0 0
ACCENTURE PLC COM G1151C101 17,451 51,749 SH   SOLE 0 51,749 0 0
ALPHABET, INC. CLASS A COM 02079K305 1,939 697 SH   SOLE 0 697 0 0
ALPHABET, INC. CLASS C COM 02079K107 33,845 12,118 SH   SOLE 0 12,118 0 0
ALTRIA GROUP INC COM 02209S103 200 3,837 SH   SOLE 0 3,837 0 0
AMAZON COM 023135106 24,352 7,470 SH   SOLE 0 7,470 0 0
AMERICAN EXPRESS CO COM 025816109 281 1,500 SH   SOLE 0 1,500 0 0
ANALOG DEVICES COM 032654105 16,547 100,177 SH   SOLE 0 100,177 0 0
ANTHEM INC COM 036752103 27,539 56,062 SH   SOLE 0 56,062 0 0
APPLE COM 037833100 14,563 83,403 SH   SOLE 0 83,403 0 0
ARTHUR J. GALLAGHER COM 363576109 21,681 124,178 SH   SOLE 0 124,178 0 0
AT&T COM 00206R102 18,714 791,975 SH   SOLE 0 791,975 0 0
AUTOZONE COM 053332102 204 100 SH   SOLE 0 100 0 0
BANK OF AMERICA CORP COM 060505104 257 6,242 SH   SOLE 0 6,242 0 0
BERKSHIRE A (1SH /100) COM 084670108 529 100 SH   SOLE 0 100 0 0
BERKSHIRE HATHAWAY INC-B COM 084670702 27,828 78,852 SH   SOLE 0 78,852 0 0
BOEING COM 097023105 696 3,632 SH   SOLE 0 3,632 0 0
CARRIER GLOBAL CORP COM 14448C104 19,173 417,977 SH   SOLE 0 417,977 0 0
CDW CORPORATION COM 12514G108 25,764 144,023 SH   SOLE 0 144,023 0 0
CHEVRON-TEXACO CORP COM 166764100 668 4,100 SH   SOLE 0 4,100 0 0
CIGNA CORP COM 125523100 365 1,525 SH   SOLE 0 1,525 0 0
CISCO SYSTEMS COM 17275R102 423 7,578 SH   SOLE 0 7,578 0 0
COMMUNITY TRUST BANCORP COM 204149108 270 6,558 SH   SOLE 0 6,558 0 0
DIAGEO PLC COM 25243Q205 264 1,300 SH   SOLE 0 1,300 0 0
DISNEY (THE WALT) CO. COM 254687106 549 4,000 SH   SOLE 0 4,000 0 0
DOLLAR GENERAL COM 256677105 20,904 93,895 SH   SOLE 0 93,895 0 0
EXXON MOBIL CORP COM 30231G102 689 8,338 SH   SOLE 0 8,338 0 0
FIDELITY DIVR INTL FD#325 COM 315910802 200 4,700 SH   SOLE 0 4,700 0 0
FISERV INC COM 337738108 23,397 230,735 SH   SOLE 0 230,735 0 0
GENERAL DYNAMICS COPR COM 369550108 20,410 84,626 SH   SOLE 0 84,626 0 0
HOME DEPOT INC COM 437076102 539 1,800 SH   SOLE 0 1,800 0 0
INT'L BUSINESS MACHINES COM 459200101 502 3,863 SH   SOLE 0 3,863 0 0
INTEL COM 458140100 292 5,900 SH   SOLE 0 5,900 0 0
ISHARES CORE MSCI EM ETF COM 46434G103 15,637 281,492 SH   SOLE 0 281,492 0 0
ISHARES MSCI EM EX CHINA COM 46434G764 16,133 277,287 SH   SOLE 0 277,287 0 0
ISHARES RUSSELL 2000 COM 464287655 356 1,735 SH   SOLE 0 1,735 0 0
ISHARES TR RUS 1000 GRW COM 464287614 450 1,622 SH   SOLE 0 1,622 0 0
JOHNSON & JOHNSON COM 478160104 22,514 127,035 SH   SOLE 0 127,035 0 0
KELLOGG COMPANY COM 487836108 16,796 260,448 SH   SOLE 0 260,448 0 0
LOWE'S COMPANIES, INC. COM 548661107 485 2,400 SH   SOLE 0 2,400 0 0
MEDTRONIC PLC COM G5960L103 23,951 215,873 SH   SOLE 0 215,873 0 0
MERCK & CO. COM 58933Y105 601 7,322 SH   SOLE 0 7,322 0 0
META PLATFORMS INC COM 30303M102 19,290 86,753 SH   SOLE 0 86,753 0 0
MICROSOFT COM 594918104 29,704 96,343 SH   SOLE 0 96,343 0 0
MSC INDUSTRIAL DIRECT COM 553530106 21,208 248,886 SH   SOLE 0 248,886 0 0
NESS ENERGY INTERNATIONAL COM 64104P105 0 20,000 SH   SOLE 0 20,000 0 0
NEXTERA ENERGY INC COM 65339F101 561 6,624 SH   SOLE 0 6,624 0 0
NIKE, INC. COM 654106103 665 4,940 SH   SOLE 0 4,940 0 0
NOVARTIS AG COM 66987V109 231 2,627 SH   SOLE 0 2,627 0 0
NVIDIA CORP COM 67066G104 218 800 SH   SOLE 0 800 0 0
ORACLE CORPORATION COM 68389X105 507 6,130 SH   SOLE 0 6,130 0 0
PAYCHEX, INC. COM 704326107 600 4,400 SH   SOLE 0 4,400 0 0
PAYPAL HOLDINGS INC. COM 70450Y103 18,402 159,118 SH   SOLE 0 159,118 0 0
PEPSICO COM 713448108 25,044 149,622 SH   SOLE 0 149,622 0 0
PFIZER INC COM 717081103 1,449 27,995 SH   SOLE 0 27,995 0 0
PHILIP MORRIS INT'L COM 718172109 251 2,675 SH   SOLE 0 2,675 0 0
PROCTER & GAMBLE COM 742718109 1,764 11,543 SH   SOLE 0 11,543 0 0
ROCKWELL AUTOMATION INC. COM 773903109 251 895 SH   SOLE 0 895 0 0
S&P GLOBAL, INC. COM 78409V104 13,424 32,727 SH   SOLE 0 32,727 0 0
SIGHTLOGIX COM 82699A903 16 80,000 SH   SOLE 0 80,000 0 0
SPDR S&P500 ETF TRUST COM 78462F103 1,378 3,052 SH   SOLE 0 3,052 0 0
STANLEY BLACK & DECKER COM 854502101 18,056 129,165 SH   SOLE 0 129,165 0 0
STRYKER COM 863667101 23,677 88,560 SH   SOLE 0 88,560 0 0
T ROWE PR INTL DISCVRY FD COM 77956H302 214 3,108 SH   SOLE 0 3,108 0 0
THERMO FISHER SCIENTIFIC COM 883556102 633 1,072 SH   SOLE 0 1,072 0 0
TJX COMPANIES COM 872540109 18,717 308,969 SH   SOLE 0 308,969 0 0
TRUIST FINANCIAL CORP COM 89832Q109 18,130 319,748 SH   SOLE 0 319,748 0 0
UNITED PARCEL SERVICE COM 911312106 22,390 104,404 SH   SOLE 0 104,404 0 0
US BANCORP COM 902973304 22,316 419,874 SH   SOLE 0 419,874 0 0
VANGUARD EXTENDED MK COM 922908694 249 1,979 SH   SOLE 0 1,979 0 0
VANGUARD REIT COM 922908553 470 4,336 SH   SOLE 0 4,336 0 0
VANGUARD RUS2K GROWTH COM 92206C623 312 1,675 SH   SOLE 0 1,675 0 0
VANGUARD S&P 500 ETF COM 922908363 745 1,794 SH   SOLE 0 1,794 0 0
VANGUARD TOT STK MKT IDX COM 922908728 310 2,802 SH   SOLE 0 2,802 0 0
VANGUARD TOTAL STK MKT COM 922908769 2,564 11,260 SH   SOLE 0 11,260 0 0
VANGUARD 500 IND ADMIRAL COM 922908710 822 1,966 SH   SOLE 0 1,966 0 0
VEEVA SYS INC COM 922475108 308 1,450 SH   SOLE 0 1,450 0 0
VERIZON COMMUNICATIONS COM 92343V104 237 4,656 SH   SOLE 0 4,656 0 0
ZEBRA TECHNOLOGIES COM 989207105 12,559 30,357 SH   SOLE 0 30,357 0 0