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
3M COM 88579y101 958 5,830 SH   SOLE   2,120 0 3,710
AMC Networks COM 00164V103 368 7,492 SH   SOLE   0 0 7,492
AMN Healthcare Svcs. COM 001744101 410 7,115 SH   SOLE   0 0 7,115
AT&T COM 030177109 577 15,254 SH   SOLE   0 0 15,254
Abbott Laboratories COM 002824100 2,522 30,145 SH   SOLE   487 0 29,658
Abbvie COM 00287Y109 2,486 32,829 SH   SOLE   487 0 32,342
Allete COM 018522300 408 4,672 SH   SOLE   0 0 4,672
Alphabet Class C COM 02079k107 1,091 895 SH   SOLE   0 0 895
Alphabet Class C COM 02079k107 284 233 SH   OTR 2 0 0 233
Amazon COM 023135106 1,026 591 SH   SOLE   0 0 591
American Express COM 025816109 1,437 12,153 SH   SOLE   612 0 11,541
American Water Works COM 030420103 722 5,812 SH   SOLE   0 0 5,812
Ameriprise Financial COM 03076C106 353 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100 1,214 6,273 SH   SOLE   1,266 0 5,007
Apple COM 037833100 2,530 11,295 SH   SOLE   1,663 0 9,632
Apple COM 037833100 291 1,300 SH   OTR 2 0 0 1,300
Applied Materials COM 038222105 1,353 27,115 SH   SOLE   300 0 26,815
Baker Hughes A GE COM 05722G100 436 18,772 SH   SOLE   0 0 18,772
Bank America COM 060505104 221 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100 477 10,560 SH   SOLE   7,392 0 3,168
Becton Dickinson COM 075887109 1,048 4,142 SH   SOLE   0 0 4,142
Bristol-Myers Squibb COM 110122108 2,400 47,336 SH   SOLE   5,866 0 41,470
Bristol-Myers Squibb COM 110122108 418 8,240 SH   OTR 2 0 0 8,240
CBRE Group COM 12504L109 262 4,945 SH   SOLE   0 0 4,945
CMS Energy COM 125896100 1,064 16,634 SH   SOLE   0 0 16,634
CVS/Caremark COM 126650100 497 7,875 SH   SOLE   0 0 7,875
Caterpillar COM 149123101 216 1,707 SH   SOLE   500 0 1,207
Celgene COM 151020104 875 8,816 SH   SOLE   1,600 0 7,216
Chevron COM 166764100 1,992 16,792 SH   SOLE   716 0 16,076
Chevron COM 166764100 393 3,314 SH   OTR 2 0 0 3,314
Cigna COM 125509109 235 1,545 SH   SOLE   143 0 1,402
Cisco Systems COM 17275R952 420 8,500 SH   SOLE   0 0 8,500
Cisco Systems COM 17275R952 91 1,838 SH   OTR 2 0 0 1,838
Clorox COM 189054109 2,879 18,954 SH   SOLE   2,728 0 16,226
Coca-Cola COM 191216100 362 6,650 SH   SOLE   0 0 6,650
Cognizant Technology Solutions COM 192446102 613 10,180 SH   SOLE   0 0 10,180
Corteva COM 22052l104 555 19,822 SH   SOLE   2,958 0 16,864
Corteva COM 22052l104 9 333 SH   OTR 2 0 0 333
Dell COM 24703l103 1,123 21,650 SH   SOLE   0 0 21,650
Diodes COM 254543101 1,042 25,944 SH   SOLE   0 0 25,944
Disney COM 254687106 3,572 27,408 SH   SOLE   4,995 0 22,413
Dolby Class A COM 25659T107 785 12,150 SH   SOLE   0 0 12,150
Dover Corp. COM 260003108 784 7,876 SH   SOLE   0 0 7,876
Dow COM 260557103 911 19,124 SH   SOLE   2,958 0 16,166
Dow COM 260557103 16 333 SH   OTR 2 0 0 333
Du Pont (E.I) de Nemours COM 26614N102 1,415 19,840 SH   SOLE   2,958 0 16,882
Du Pont (E.I) de Nemours COM 26614N102 24 333 SH   OTR 2 0 0 333
Edison International COM 281020107 616 8,173 SH   SOLE   0 0 8,173
Emerson Electric COM 291011104 727 10,866 SH   SOLE   3,200 0 7,666
Emerson Electric COM 291011104 277 4,138 SH   OTR 2 0 0 4,138
Equifax COM 294429105 277 1,971 SH   OTR 2 0 0 1,971
Exxon Mobil COM 30231G102 4,221 59,786 SH   SOLE   7,899 0 51,887
Exxon Mobil COM 30231G102 418 5,920 SH   OTR 2 0 0 5,920
FedEx COM 31428x106 403 2,765 SH   SOLE   0 0 2,765
Fidelity National Info. COM 31620M106 354 2,666 SH   OTR 2 0 0 2,666
Fifth 3rd Bancorp COM 316773100 427 15,605 SH   SOLE   0 0 15,605
First American Financial COM 31847r102 574 9,724 SH   SOLE   0 0 9,724
Flir Systems COM 302445101 1,039 19,749 SH   SOLE   0 0 19,749
General Electric COM 369604103 799 89,424 SH   SOLE   6,644 0 82,780
General Electric COM 369604103 119 13,349 SH   OTR 2 0 0 13,349
Genesee & Wyoming COM 371559105 1,300 11,763 SH   SOLE   0 0 11,763
Grand Canyon Education COM 38526m106 438 4,457 SH   SOLE   0 0 4,457
Home Depot COM 437076102 2,466 10,627 SH   SOLE   1,437 0 9,190
Hoya Capital Housing ETF COM 26922a230 4,003 140,730 SH   SOLE   96,930 0 43,800
Humana COM 444859102 782 3,060 SH   SOLE   0 0 3,060
Huntington Ingalls Ind. COM 446413106 455 2,150 SH   SOLE   0 0 2,150
IAC Interactive Corp. COM 44919P508 1,651 7,573 SH   SOLE   0 0 7,573
Icon PLC COM G4705A100 1,031 6,999 SH   SOLE   0 0 6,999
Intel COM 458140100 3,979 77,215 SH   SOLE   15,312 0 61,903
Intel COM 458140100 179 3,480 SH   OTR 2 0 0 3,480
International Business Machine COM 459200101 1,953 13,427 SH   SOLE   1,610 0 11,817
Intuit COM 461202103 678 2,550 SH   SOLE   0 0 2,550
JPMorgan Chase COM 46625h100 7,454 63,337 SH   SOLE   2,134 0 61,203
JPMorgan Chase COM 46625h100 1,487 12,632 SH   OTR 2 0 0 12,632
Jack Henry & Assoc. COM 426281101 356 2,438 SH   SOLE   0 0 2,438
Johnson & Johnson COM 478160104 15,922 123,066 SH   SOLE   8,011 0 115,055
Johnson & Johnson COM 478160104 781 6,034 SH   OTR 2 0 0 6,034
Keycorp COM 493267108 691 38,740 SH   SOLE   0 0 38,740
Kimberly Clark COM 494368103 418 2,942 SH   OTR 2 0 0 2,942
Kroger COM 501044101 443 17,185 SH   SOLE   0 0 17,185
Marriott Vacations Worldwide COM 57164Y107 892 8,605 SH   SOLE   0 0 8,605
Masco Corp. COM 574599106 531 12,731 SH   SOLE   0 0 12,731
McCormick COM 579780206 2,197 14,055 SH   SOLE   4,800 0 9,255
McDonald's Corp. COM 580135101 1,680 7,825 SH   SOLE   1,866 0 5,959
Merck COM 58933y105 2,610 31,006 SH   SOLE   3,040 0 27,966
Merck COM 58933y105 491 5,837 SH   OTR 2 0 0 5,837
Microsoft COM 594918104 2,089 15,022 SH   SOLE   2,844 0 12,178
Microsoft COM 594918104 194 1,395 SH   OTR 2 0 0 1,395
Mondelez COM 609207105 220 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105 255 1,246 SH   SOLE   0 0 1,246
Nasdaq COM 631103108 830 8,354 SH   SOLE   0 0 8,354
National Health Investors COM 63633d104 1,109 13,465 SH   SOLE   0 0 13,465
Nestle ADR COM 641069406 4,293 39,537 SH   SOLE   5,000 0 34,537
Newmont Mining Corp. COM 651639106 915 24,134 SH   SOLE   0 0 24,134
Norfolk Southern COM 655844108 471 2,619 SH   OTR 2 0 0 2,619
Nvidia Corp. COM 67066G104 371 2,129 SH   SOLE   0 0 2,129
Old Republic COM 680223104 687 29,150 SH   SOLE   0 0 29,150
Packaging Corp. COM 695156109 214 2,015 SH   SOLE   0 0 2,015
PepsiCo COM 713448108 3,165 23,086 SH   SOLE   980 0 22,106
PepsiCo COM 713448108 531 3,871 SH   OTR 2 0 0 3,871
Pfizer COM 717081103 4,590 127,751 SH   SOLE   18,798 0 108,953
Pfizer COM 717081103 295 8,198 SH   OTR 2 0 0 8,198
Polaris Ind. COM 731068102 555 6,305 SH   SOLE   0 0 6,305
Post Holdings COM 737446104 778 7,355 SH   SOLE   0 0 7,355
Procter & Gamble COM 742718109 4,333 34,838 SH   SOLE   3,969 0 30,869
Procter & Gamble COM 742718109 854 6,868 SH   OTR 2 0 0 6,868
Qualcomm COM 747525103 276 3,621 SH   SOLE   900 0 2,721
Quanta Services COM 74762E102 853 22,555 SH   SOLE   0 0 22,555
Reliance Steel & Aluminum COM 759509102 1,056 10,592 SH   SOLE   0 0 10,592
Rockwell Automation COM 773903109 883 5,356 SH   SOLE   0 0 5,356
S&P Global COM 78409V104 1,835 7,492 SH   SOLE   643 0 6,849
Schlumberger COM 806857108 230 6,732 SH   SOLE   1,000 0 5,732
Schlumberger COM 806857108 157 4,581 SH   OTR 2 0 0 4,581
Schwab, Charles COM 808513105 1,480 35,378 SH   SOLE   727 0 34,651
Suntrust Banks COM 867914103 778 11,304 SH   SOLE   0 0 11,304
Synopsys COM 871607107 1,663 12,113 SH   SOLE   0 0 12,113
Target COM 87612E106 225 2,100 SH   SOLE   0 0 2,100
Union Pacific COM 907818108 478 2,950 SH   SOLE   400 0 2,550
Union Pacific COM 907818108 421 2,600 SH   OTR 2 0 0 2,600
United Health Group COM 91324P102 673 3,095 SH   SOLE   0 0 3,095
United Parcel Service 'B' COM 911312106 365 3,050 SH   SOLE   300 0 2,750
Universal Health Svcs COM 913903100 823 5,530 SH   SOLE   0 0 5,530
Varian Medical Systems COM 92220P105 879 7,384 SH   SOLE   0 0 7,384
Verisign COM 92343e102 245 1,300 SH   SOLE   0 0 1,300
Verizon Communications COM 92343v104 1,811 30,009 SH   SOLE   1,700 0 28,309
Wal-Mart Stores COM 931142103 954 8,042 SH   SOLE   0 0 8,042
Waste Management COM 94106L109 1,765 15,346 SH   SOLE   0 0 15,346
Westlake Chemical Corp. COM 960413102 498 7,604 SH   SOLE   0 0 7,604
Wyndham Destinations COM 98310w108 367 7,974 SH   SOLE   0 0 7,974
Wyndham Hotels & Resorts COM 98311a105 413 7,974 SH   SOLE   0 0 7,974
Yum! Brands COM 988498101 401 3,537 SH   SOLE   392 0 3,145
Zimmer Biomet COM 98956p102 680 4,952 SH   SOLE   1,255 0 3,697
Zimmer Biomet COM 98956p102 332 2,418 SH   OTR 2 0 0 2,418
Zoetis COM 98978v103 1,199 9,620 SH   SOLE   0 0 9,620
Digital Realty Trust COM 253868103 253 1,950 SH   SOLE   50 0 1,900
Mid America Apartment Communit COM 59522J103 1,086 8,352 SH   SOLE   0 0 8,352
Store Cap Corp COM 862121100 1,163 31,085 SH   SOLE   140 0 30,945