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   928 9,912 SH   SOLE   0 0 9,912
ADT, Inc. COM 00090Q103   3,314 552,268 SH   SOLE   0 0 552,268
APA Corporation COM 03743Q108   3,029 73,706 SH   SOLE   0 0 73,706
AT&T, Inc. COM 00206R102   496 33,038 SH   SOLE   0 0 33,038
AbbVie, Inc. COM 00287y109   2,769 18,579 SH   SOLE   0 0 18,579
Abbott Laboratories COM 002824100   3,493 36,066 SH   SOLE   0 0 36,066
Accenture Ltd COM g1151c101   35,027 114,053 SH   SOLE   0 0 114,053
Adams Diversified Equity Fund, COM 006212104   416 25,000 SH   SOLE   0 0 25,000
Agnico Eagle Mines COM 008474108   6,587 144,927 SH   SOLE   0 0 144,927
Alamos Gold Cl A COM 011532108   226 20,000 SH   SOLE   0 0 20,000
AllState Corp. COM 020002101   826 7,413 SH   SOLE   0 0 7,413
Alphabet Inc. Class A COM 02079k305   3,308 25,276 SH   SOLE   0 0 25,276
Alphabet Inc. Class C COM 02079k107   24,975 189,417 SH   SOLE   0 0 189,417
Altria Group, Inc. COM 02209s103   1,319 31,366 SH   SOLE   0 0 31,366
Amazon.com COM 023135106   21,120 166,139 SH   SOLE   0 0 166,139
American Airlines Grp COM 02376R102   276 21,577 SH   SOLE   0 0 21,577
American Express Co. COM 025816109   1,078 7,223 SH   SOLE   0 0 7,223
American Int'l Group COM 026874784   976 16,107 SH   SOLE   0 0 16,107
Amex SPDR Health Care Select I COM 81369Y209   663 5,151 SH   SOLE   0 0 5,151
Amgen Inc. COM 031162100   7,226 26,885 SH   SOLE   0 0 26,885
Apple Inc. COM 037833100   52,829 308,562 SH   SOLE   0 0 308,562
Applied Materials Inc. COM 038222105   302 2,181 SH   SOLE   0 0 2,181
AutoZone COM 053332102   503 198 SH   SOLE   0 0 198
BP PLC COM 055622104   3,446 89,008 SH   SOLE   0 0 89,008
BankAmerica Corp. COM 060505104   4,987 182,150 SH   SOLE   0 0 182,150
Berkshire Hathaway 'A' COM 084670108   1,063 2 SH   SOLE   0 0 2
Berkshire Hathaway 'B' COM 084670702   109,332 312,109 SH   SOLE   0 0 312,109
Bladex COM P16994132   7,893 372,322 SH   SOLE   0 0 372,322
Boeing Co. COM 097023105   5,196 27,107 SH   SOLE   0 0 27,107
Bristol Myers Squibb COM 110122108   4,090 70,474 SH   SOLE   0 0 70,474
Broadcom, Inc. COM 11135F101   223 269 SH   SOLE   0 0 269
Brookdale Sr Living Inc COM 112463104   2,314 558,995 SH   SOLE   0 0 558,995
Brookfield Asset Mgmt COM 113004105   3,774 113,200 SH   SOLE   0 0 113,200
Brookfield Corp. COM 11271J107   5,324 170,252 SH   SOLE   0 0 170,252
CIGNA Corp. COM 125523100   355 1,241 SH   SOLE   0 0 1,241
CVS Health Corp. COM 126650100   7,388 105,814 SH   SOLE   0 0 105,814
Cable One Inc COM 12685j105   2,266 3,680 SH   SOLE   0 0 3,680
Carrier Global Corp. COM 14448C104   2,387 43,241 SH   SOLE   0 0 43,241
Caterpillar Inc. COM 149123101   12,265 44,925 SH   SOLE   0 0 44,925
Chevron Corp. COM 166764100   4,945 29,325 SH   SOLE   0 0 29,325
Cisco Systems Inc. COM 17275R102   6,993 130,075 SH   SOLE   0 0 130,075
Cleveland Cliffs COM 185896107   1,907 122,000 SH   SOLE   0 0 122,000
Coca Cola Co. COM 191216100   4,161 74,337 SH   SOLE   0 0 74,337
Comcast Corp. - Class A COM 20030n101   5,662 127,684 SH   SOLE   0 0 127,684
ConocoPhillips COM 20825c104   738 6,161 SH   SOLE   0 0 6,161
Constellation Brands Inc. Clas COM 21036P108   3,407 13,555 SH   SOLE   0 0 13,555
CoreCivic, Inc. COM 21871N101   6,768 601,589 SH   SOLE   0 0 601,589
Costco Wholesale COM 22160K105   363 642 SH   SOLE   0 0 642
DXC Technology Co. COM 23355l106   4,461 214,139 SH   SOLE   0 0 214,139
Danaher Corp. COM 235851102   857 3,454 SH   SOLE   0 0 3,454
Darden Restaurants, Inc. COM 237194105   616 4,304 SH   SOLE   0 0 4,304
Delta Airlines Inc. COM 247361702   1,873 50,619 SH   SOLE   0 0 50,619
Diageo PLC COM 25243Q205   2,450 16,422 SH   SOLE   0 0 16,422
Dominion Energy Inc. COM 25746u109   977 21,877 SH   SOLE   0 0 21,877
Duke Energy Corp. COM 26441c204   1,806 20,459 SH   SOLE   0 0 20,459
Edwards Lifesciences Corp COM 28176E108   407 5,876 SH   SOLE   0 0 5,876
Eli Lilly & Co. COM 532457108   259 483 SH   SOLE   0 0 483
Energold Drilling Corp COM 29268a103   0 10,000 SH   SOLE   0 0 10,000
Energy Select Sector - SPDR COM 81369y506   585 6,475 SH   SOLE   0 0 6,475
Equity Commonwealth COM 294628102   3,714 202,200 SH   SOLE   0 0 202,200
Exxon Mobil Corp. COM 30231G102   14,392 122,398 SH   SOLE   0 0 122,398
Fairfax Financial Hld COM 303901102   87,736 106,983 SH   SOLE   0 0 106,983
FedEx Corp. COM 31428X106   14,549 54,917 SH   SOLE   0 0 54,917
Fiserv COM 337738108   10,273 90,943 SH   SOLE   0 0 90,943
Fox Corp. Cl A COM 35137L105   343 11,002 SH   SOLE   0 0 11,002
General Electric Co. COM 369604301   296 2,680 SH   SOLE   0 0 2,680
General Mills Inc. COM 370334104   854 13,345 SH   SOLE   0 0 13,345
Geo Group Inc COM 36162j106   2,348 287,000 SH   SOLE   0 0 287,000
Goldman Sachs Group COM 38141g104   12,823 39,630 SH   SOLE   0 0 39,630
Graham Holdings Co COM 384637104   2,973 5,100 SH   SOLE   0 0 5,100
HCA Healthcare, Inc. COM 40412C101   105,064 427,126 SH   SOLE   0 0 427,126
Halliburton Inc. COM 406216101   10,258 253,291 SH   SOLE   0 0 253,291
HealthStream Inc. COM 42222n103   293 13,600 SH   SOLE   0 0 13,600
Healthpeak Properties Inc. COM 42250P103   1,542 83,990 SH   SOLE   0 0 83,990
Henry Schein, Inc. COM 806407102   2,092 28,180 SH   SOLE   0 0 28,180
Hewlett Packard Ent COM 42824c109   2,081 119,784 SH   SOLE   0 0 119,784
Home Depot Inc. COM 437076102   10,614 35,128 SH   SOLE   0 0 35,128
Honeywell Intl. COM 438516106   6,761 36,598 SH   SOLE   0 0 36,598
Intel Corp. COM 458140100   6,043 169,992 SH   SOLE   0 0 169,992
International Business Machine COM 459200101   1,837 13,094 SH   SOLE   0 0 13,094
Iron Mountain, Inc. COM 46284V101   592 9,950 SH   SOLE   0 0 9,950
J. P. Morgan Chase & Co. Inc. COM 46625h100   3,710 25,580 SH   SOLE   0 0 25,580
Jefferies Financial Grp COM 47233W109   4,881 133,240 SH   SOLE   0 0 133,240
Johnson & Johnson COM 478160104   17,129 109,977 SH   SOLE   0 0 109,977
KKR & Co., Inc. Cl A COM 48251w104   1,215 19,721 SH   SOLE   0 0 19,721
Kinross Gold Corp COM 496902404   98 21,466 SH   SOLE   0 0 21,466
Kraft Heinz Company COM 500754106   1,672 49,692 SH   SOLE   0 0 49,692
L3Harris Technologies, Inc COM 502431109   751 4,311 SH   SOLE   0 0 4,311
Loews Corp. COM 540424108   11,611 183,401 SH   SOLE   0 0 183,401
Lowes Companies COM 548661107   17,448 83,948 SH   SOLE   0 0 83,948
Lumen Technologies COM 550241103   672 472,893 SH   SOLE   0 0 472,893
M&T Bank Corp. COM 55261f104   3,383 26,750 SH   SOLE   0 0 26,750
Marathon Petroleum Corp. COM 56585a102   497 3,285 SH   SOLE   0 0 3,285
MasterCard Inc. COM 57636Q104   400 1,010 SH   SOLE   0 0 1,010
McDonalds Corp. COM 580135101   3,884 14,743 SH   SOLE   0 0 14,743
Medtronic PLC COM G5960L103   10,640 135,779 SH   SOLE   0 0 135,779
MercadoLibre, Inc. COM 58733R102   254 200 SH   SOLE   0 0 200
Merck & Company Inc. COM 58933y105   10,118 98,277 SH   SOLE   0 0 98,277
Meta Platforms, Inc. COM 30303m102   6,846 22,804 SH   SOLE   0 0 22,804
Microsoft Corp. COM 594918104   34,098 107,991 SH   SOLE   0 0 107,991
Mondelez Int'l Inc COM 609207105   15,793 227,563 SH   SOLE   0 0 227,563
Morgan Stanley COM 617446448   530 6,488 SH   SOLE   0 0 6,488
NOV Inc. COM 62955J103   5,747 275,000 SH   SOLE   0 0 275,000
National Health Invstrs COM 63633d104   3,859 75,140 SH   SOLE   0 0 75,140
Nestle SA Sponsored Reg COM 641069406   289 2,557 SH   SOLE   0 0 2,557
Newmont Mining Corp COM 651639106   1,330 35,984 SH   SOLE   0 0 35,984
NextEra Energy, Inc. COM 65339f101   551 9,625 SH   SOLE   0 0 9,625
Nike COM 654106103   2,377 24,862 SH   SOLE   0 0 24,862
Norfolk Southern Corp. COM 655844108   700 3,554 SH   SOLE   0 0 3,554
Northrop Grumman COM 666807102   281 639 SH   SOLE   0 0 639
Northwest Biotherapeutics, Inc COM 66737P600   18 20,000 SH   SOLE   0 0 20,000
Novartis AG COM 66987v109   798 7,830 SH   SOLE   0 0 7,830
Nvidia Corp COM 67066G104   3,659 8,412 SH   SOLE   0 0 8,412
O-I Glass, Inc. COM 67098H104   2,103 125,675 SH   SOLE   0 0 125,675
Oracle COM 68389x105   4,888 46,144 SH   SOLE   0 0 46,144
Otis Worldwide Corp. COM 68902V107   983 12,245 SH   SOLE   0 0 12,245
Overstock COM 690370101   3,228 204,035 SH   SOLE   0 0 204,035
Owens Corning COM 690742101   835 6,119 SH   SOLE   0 0 6,119
PINK Simplify Health Care ETF COM 82889N772   3,226 128,493 SH   SOLE   0 0 128,493
Pan American Silver COM 697900108   218 15,036 SH   SOLE   0 0 15,036
PayPal Holdings Inc. COM 70450Y103   1,249 21,364 SH   SOLE   0 0 21,364
PepsiCo Inc. COM 713448108   2,851 16,824 SH   SOLE   0 0 16,824
Pfizer Inc. COM 717081103   5,203 156,865 SH   SOLE   0 0 156,865
Philip Morris Intl COM 718172109   5,073 54,795 SH   SOLE   0 0 54,795
Phillips 66 COM 718546104   1,243 10,346 SH   SOLE   0 0 10,346
Pinnacle Financial Partners COM 72346q104   13,320 198,682 SH   SOLE   0 0 198,682
Procter & Gamble Co. COM 742718109   14,002 95,993 SH   SOLE   0 0 95,993
Prologis Inc. COM 74340w103   327 2,918 SH   SOLE   0 0 2,918
Provectus Biophamaceuticals COM 74373p108   4 50,000 SH   SOLE   0 0 50,000
Provision Holding, Inc. Com COM 744121104   0 221,450 SH   SOLE   0 0 221,450
Raytheon Technologies Corp. COM 75513E101   10,242 142,313 SH   SOLE   0 0 142,313
Regions Financial Corp. COM 7591ep100   4,021 233,768 SH   SOLE   0 0 233,768
Republic Services Inc. COM 760759100   10,157 71,274 SH   SOLE   0 0 71,274
Roche Holdings COM 771195104   436 12,743 SH   SOLE   0 0 12,743
Russell 2000 Index Fund COM 464287655   297 1,682 SH   SOLE   0 0 1,682
S & P 500 Index Depository Rec COM 78462F103   1,249 2,923 SH   SOLE   0 0 2,923
SPDR Gold Trust COM 78463V107   8,727 50,899 SH   SOLE   0 0 50,899
SPDR Oil & Gas Exploration COM 78464A730   1,052 7,115 SH   SOLE   0 0 7,115
SPDR S&P 500 Value ETF COM 78464A508   2,013 48,800 SH   SOLE   0 0 48,800
SPDR Utilities Select COM 81369Y886   894 15,176 SH   SOLE   0 0 15,176
Salesforce.com, Inc. COM 79466L302   307 1,515 SH   SOLE   0 0 1,515
Schlumberger Ltd. COM 806857108   5,674 97,329 SH   SOLE   0 0 97,329
Select Basic Materials Sector COM 81369y100   1,398 17,801 SH   SOLE   0 0 17,801
Shell PLC COM 780259305   1,097 17,045 SH   SOLE   0 0 17,045
Southern Co. COM 842587107   342 5,279 SH   SOLE   0 0 5,279
Southwest Airlines Co. COM 844741108   1,159 42,826 SH   SOLE   0 0 42,826
Starbucks Corp. COM 855244109   4,190 45,907 SH   SOLE   0 0 45,907
Stryker COM 863667101   4,085 14,949 SH   SOLE   0 0 14,949
SunCoke Energy COM 86722A103   254 25,000 SH   SOLE   0 0 25,000
Sysco Corp. COM 871829107   7,807 118,205 SH   SOLE   0 0 118,205
TE Connectivity Ltd COM H84989104   372 3,011 SH   SOLE   0 0 3,011
TEGNA, Inc. COM 87901j105   3,157 216,695 SH   SOLE   0 0 216,695
TJX Companies, Inc. COM 872540109   850 9,559 SH   SOLE   0 0 9,559
Tapestry, Inc. COM 876030107   1,010 35,143 SH   SOLE   0 0 35,143
Target Corporation COM 87612e106   602 5,449 SH   SOLE   0 0 5,449
Tejon Ranch Co. COM 879080109   797 49,150 SH   SOLE   0 0 49,150
Teledyne Technologies Inc. COM 879360105   346 847 SH   SOLE   0 0 847
Tesla, Inc. COM 88160R101   661 2,641 SH   SOLE   0 0 2,641
Toyota Motor Corp. COM 892331307   452 2,517 SH   SOLE   0 0 2,517
Tractor Supply Co COM 892356106   558 2,749 SH   SOLE   0 0 2,749
Travelers Inc. COM 89417e109   2,840 17,390 SH   SOLE   0 0 17,390
Truist Financial Corp. COM 89832Q109   1,828 63,900 SH   SOLE   0 0 63,900
Truxton Corp. COM 89845y107   289 4,880 SH   SOLE   0 0 4,880
US Bancorp COM 902973304   1,753 53,023 SH   SOLE   0 0 53,023
United Parcel Svc. Cl B COM 911312106   8,728 55,998 SH   SOLE   0 0 55,998
United Rentals, Inc. COM 911363109   15,089 33,941 SH   SOLE   0 0 33,941
UnitedHealth Group COM 91324P102   376 745 SH   SOLE   0 0 745
Valero Energy Corp. COM 91913y100   428 3,019 SH   SOLE   0 0 3,019
VanEck Vectors Oil Services ET COM 92189h607   2,660 7,709 SH   SOLE   0 0 7,709
Vanguard Emerging Markets ETF COM 922042858   2,906 74,105 SH   SOLE   0 0 74,105
Vanguard Index Total Stock Fun COM 922908769   342 1,612 SH   SOLE   0 0 1,612
Vanguard Large-Cap Exchanged T COM 922908637   924 4,721 SH   SOLE   0 0 4,721
Vanguard Mid-Cap Exchange Trad COM 922908629   562 2,701 SH   SOLE   0 0 2,701
Vanguard REIT ETF COM 922908553   207 2,736 SH   SOLE   0 0 2,736
Vanguard Small-Cap Growth ETF COM 922908595   319 1,491 SH   SOLE   0 0 1,491
Vanguard Small-Cap VIPERs COM 922908751   756 4,000 SH   SOLE   0 0 4,000
Verizon Comm. COM 92343v104   452 13,942 SH   SOLE   0 0 13,942
ViaSat Inc COM 92552v100   5,990 324,500 SH   SOLE   0 0 324,500
Visa Inc COM 92826C839   14,230 61,868 SH   SOLE   0 0 61,868
Vitesse Energy, Inc. COM 92852X103   3,427 149,715 SH   SOLE   0 0 149,715
Vulcan Materials COM 929160109   1,645 8,142 SH   SOLE   0 0 8,142
Wal-Mart Stores Inc. COM 931142103   11,931 74,603 SH   SOLE   0 0 74,603
Walt Disney Co. COM 254687106   10,195 125,783 SH   SOLE   0 0 125,783
Warner Bros. Discovery COM 934423104   491 45,180 SH   SOLE   0 0 45,180
Wells Fargo & Co. COM 949746101   2,795 68,409 SH   SOLE   0 0 68,409
White Mountain Ins COM G9618E107   4,910 3,283 SH   SOLE   0 0 3,283
Zimmer Biomet Holdings, Inc. COM 98956p102   309 2,751 SH   SOLE   0 0 2,751
Zoetis, Inc. COM 98978v103   5,645 32,446 SH   SOLE   0 0 32,446
iShares Core S&P MidCap ETF COM 464287507   595 2,385 SH   SOLE   0 0 2,385
iShares DJ Select Dividend Ind COM 464287168   387 3,595 SH   SOLE   0 0 3,595
iShares MSCI EAFE Index Fund COM 464287465   1,050 15,239 SH   SOLE   0 0 15,239
iShares MSCI Emerging Markets COM 464287234   1,875 49,420 SH   SOLE   0 0 49,420
iShares MSCI Pacific Rim COM 464286665   834 20,973 SH   SOLE   0 0 20,973
iShares Russell 1000 Index ETF COM 464287622   946 4,025 SH   SOLE   0 0 4,025
iShares Russell Mid-Cap Index COM 464287499   480 6,930 SH   SOLE   0 0 6,930
iShares Russell Value Index COM 464287598   1,415 9,320 SH   SOLE   0 0 9,320
iShares S&P 500 Core Index ETF COM 464287200   355 827 SH   SOLE   0 0 827
iShares S&P SmallCap 600 Index COM 464287804   3,360 35,624 SH   SOLE   0 0 35,624
iShares TR Russell 1000 Growth COM 464287614   903 3,395 SH   SOLE   0 0 3,395
iShares Tr MSCI ACWI ETF COM 464288257   801 8,672 SH   SOLE   0 0 8,672
iShares US Insurance ETF COM 464288786   351 3,835 SH   SOLE   0 0 3,835