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 763 5,896 SH   SOLE   2,120 0 3,776
AMN Healthcare Svcs. COM 001744101 1,152 10,500 SH   SOLE   0 0 10,500
AT&T COM 030177109 226 10,803 SH   SOLE   0 0 10,803
Abbott Laboratories COM 002824100 3,309 30,456 SH   SOLE   182 0 30,274
Abbvie COM 00287Y109 5,274 34,437 SH   SOLE   0 0 34,437
Alphabet Class A COM 02079k305 185 85 SH   SOLE   0 0 85
Alphabet Class A COM 02079k305 54 25 SH   OTR 2 0 0 25
Alphabet Class C COM 02079k107 2,424 1,108 SH   SOLE   0 0 1,108
Alphabet Class C COM 02079k107 481 220 SH   OTR 2 0 0 220
Amazon COM 023135106 1,858 17,490 SH   SOLE   0 0 17,490
Amazon COM 023135106 64 600 SH   OTR 2 0 0 600
American Express COM 025816109 2,057 14,836 SH   SOLE   0 0 14,836
American Water Works COM 030420103 804 5,405 SH   SOLE   0 0 5,405
Ameriprise Financial COM 03076C106 570 2,400 SH   SOLE   0 0 2,400
Amgen COM 031162100 1,370 5,632 SH   SOLE   600 0 5,032
Anheuser-Busch COM 03524a108 457 8,463 SH   SOLE   0 0 8,463
Apple COM 037833100 5,250 38,400 SH   SOLE   2,200 0 36,200
Apple COM 037833100 753 5,510 SH   OTR 2 0 0 5,510
Applied Materials COM 038222105 1,751 19,242 SH   SOLE   0 0 19,242
Bank America COM 060505104 236 7,571 SH   SOLE   0 0 7,571
Bank of New York Mellon COM 064058100 440 10,560 SH   SOLE   7,392 0 3,168
Becton Dickinson COM 075887109 1,198 4,859 SH   SOLE   0 0 4,859
Bristol-Myers Squibb COM 110122108 5,228 67,896 SH   SOLE   7,466 0 60,430
Bristol-Myers Squibb COM 110122108 575 7,470 SH   OTR 2 0 0 7,470
CMS Energy COM 125896100 1,037 15,368 SH   SOLE   0 0 15,368
CVS/Caremark COM 126650100 1,369 14,770 SH   SOLE   0 0 14,770
Chevron COM 166764100 2,212 15,278 SH   SOLE   716 0 14,562
Chevron COM 166764100 428 2,956 SH   OTR 2 0 0 2,956
Cigna COM 125509109 338 1,282 SH   SOLE   0 0 1,282
Cisco Systems COM 17275R952 379 8,900 SH   SOLE   0 0 8,900
Cisco Systems COM 17275R952 75 1,770 SH   OTR 2 0 0 1,770
Clorox COM 189054109 2,551 18,096 SH   SOLE   2,320 0 15,776
Coca-Cola COM 191216100 434 6,900 SH   SOLE   0 0 6,900
Corteva COM 22052l104 690 12,737 SH   SOLE   0 0 12,737
D R Horton COM 23331A109 1,425 21,525 SH   SOLE   0 0 21,525
Dell COM 24703l103 1,155 25,000 SH   SOLE   0 0 25,000
Diodes COM 254543101 1,552 24,035 SH   SOLE   0 0 24,035
Discover Financial Services COM 254709108 333 3,520 SH   SOLE   0 0 3,520
Disney COM 254687106 2,551 27,028 SH   SOLE   1,500 0 25,528
Disney COM 254687106 38 400 SH   OTR 2 0 0 400
Dolby Class A COM 25659T107 794 11,090 SH   SOLE   0 0 11,090
Dover Corp. COM 260003108 2,100 17,310 SH   SOLE   0 0 17,310
Dow COM 260557103 896 17,355 SH   SOLE   2,958 0 14,397
Du Pont (E.I) de Nemours COM 26614N102 1,040 18,705 SH   SOLE   2,958 0 15,747
Eli Lilly COM 532457108 389 1,200 SH   SOLE   0 0 1,200
Emerson Electric COM 291011104 831 10,446 SH   SOLE   3,200 0 7,246
Emerson Electric COM 291011104 318 3,998 SH   OTR 2 0 0 3,998
Equifax COM 294429105 336 1,838 SH   OTR 2 0 0 1,838
Exxon Mobil COM 30231G102 4,242 49,528 SH   SOLE   6,675 0 42,853
Exxon Mobil COM 30231G102 482 5,633 SH   OTR 2 0 0 5,633
FedEx COM 31428x106 716 3,159 SH   SOLE   0 0 3,159
Fidelity National Info. COM 31620M106 236 2,572 SH   OTR 2 0 0 2,572
First American Financial COM 31847r102 922 17,425 SH   SOLE   0 0 17,425
General Electric COM 369604301 640 10,054 SH   SOLE   225 0 9,829
General Electric COM 369604301 60 942 SH   OTR 2 0 0 942
Goldman Sachs COM 38141G104 596 2,005 SH   SOLE   0 0 2,005
Home Depot COM 437076102 2,807 10,235 SH   SOLE   700 0 9,535
Hubbell COM 443510607 873 4,890 SH   SOLE   0 0 4,890
Humana COM 444859102 2,164 4,624 SH   SOLE   0 0 4,624
Huntington Bancshares COM 446150104 1,294 107,595 SH   SOLE   0 0 107,595
Huntington Ingalls Ind. COM 446413106 1,422 6,527 SH   SOLE   0 0 6,527
Icon PLC COM G4705A100 1,972 9,101 SH   SOLE   0 0 9,101
Intel COM 458140100 2,453 65,572 SH   SOLE   2,800 0 62,772
Intel COM 458140100 112 3,000 SH   OTR 2 0 0 3,000
International Business Machine COM 459200101 2,461 17,431 SH   SOLE   1,610 0 15,821
Intuit COM 461202103 697 1,809 SH   SOLE   0 0 1,809
JPMorgan Chase COM 46625h100 7,019 62,333 SH   SOLE   1,224 0 61,109
JPMorgan Chase COM 46625h100 1,314 11,671 SH   OTR 2 0 0 11,671
Jacobs Engineering COM 469814107 1,405 11,055 SH   SOLE   0 0 11,055
Johnson & Johnson COM 478160104 16,470 92,785 SH   SOLE   6,471 0 86,314
Johnson & Johnson COM 478160104 1,008 5,678 SH   OTR 2 0 0 5,678
Kimberly Clark COM 494368103 14 100 SH   SOLE   0 0 100
Kimberly Clark COM 494368103 370 2,738 SH   OTR 2 0 0 2,738
Kroger COM 501044101 734 15,500 SH   SOLE   0 0 15,500
Laboratory Corp. of America COM 50540r409 1,659 7,079 SH   SOLE   0 0 7,079
Lear Corp. COM 521865204 843 6,700 SH   SOLE   0 0 6,700
Lowes COM 548661107 937 5,366 SH   SOLE   0 0 5,366
Marriott Vacations Worldwide COM 57164Y107 928 7,988 SH   SOLE   0 0 7,988
Masco Corp. COM 574599106 571 11,279 SH   SOLE   0 0 11,279
Match Group COM 57665r106 453 6,496 SH   SOLE   0 0 6,496
McCormick COM 579780206 1,521 18,266 SH   SOLE   9,600 0 8,666
McDonald's Corp. COM 580135101 1,902 7,706 SH   SOLE   1,707 0 5,999
Merck COM 58933y105 2,782 30,514 SH   SOLE   2,548 0 27,966
Merck COM 58933y105 494 5,418 SH   OTR 2 0 0 5,418
Microsoft COM 594918104 4,425 17,228 SH   SOLE   800 0 16,428
Microsoft COM 594918104 376 1,463 SH   OTR 2 0 0 1,463
Mondelez COM 609207105 247 3,971 SH   SOLE   0 0 3,971
Moody's Corp. COM 615369105 257 946 SH   SOLE   0 0 946
Nasdaq COM 631103108 1,374 9,005 SH   SOLE   0 0 9,005
Nestle ADR COM 641069406 4,965 42,654 SH   SOLE   5,000 0 37,654
Newmont Mining Corp. COM 651639106 1,827 30,611 SH   SOLE   0 0 30,611
Norfolk Southern COM 655844108 562 2,474 SH   OTR 2 0 0 2,474
Nvidia Corp. COM 67066G104 888 5,860 SH   SOLE   0 0 5,860
Old Republic COM 680223104 604 27,000 SH   SOLE   0 0 27,000
Packaging Corp. COM 695156109 261 1,895 SH   SOLE   0 0 1,895
Paychex COM 704326107 270 2,375 SH   SOLE   0 0 2,375
PepsiCo COM 713448108 3,660 21,960 SH   SOLE   94 0 21,866
PepsiCo COM 713448108 589 3,533 SH   OTR 2 0 0 3,533
Pfizer COM 717081103 6,641 126,665 SH   SOLE   17,446 0 109,219
Pfizer COM 717081103 338 6,450 SH   OTR 2 0 0 6,450
Procter & Gamble COM 742718109 4,783 33,264 SH   SOLE   2,437 0 30,827
Procter & Gamble COM 742718109 803 5,584 SH   OTR 2 0 0 5,584
Qualcomm COM 747525103 993 7,775 SH   SOLE   600 0 7,175
Quanta Services COM 74762E102 2,627 20,956 SH   SOLE   0 0 20,956
Reliance Steel & Aluminum COM 759509102 1,661 9,781 SH   SOLE   0 0 9,781
Rockwell Automation COM 773903109 992 4,975 SH   SOLE   0 0 4,975
S&P Global COM 78409V104 2,753 8,169 SH   SOLE   500 0 7,669
Schlumberger COM 806857108 141 3,934 SH   SOLE   600 0 3,334
Schlumberger COM 806857108 158 4,414 SH   OTR 2 0 0 4,414
Schwab, Charles COM 808513105 2,726 43,152 SH   SOLE   0 0 43,152
Synopsys COM 871607107 1,506 4,960 SH   SOLE   0 0 4,960
Target COM 87612E106 344 2,437 SH   SOLE   0 0 2,437
Teledyne Technologies COM 879360106 252 671 SH   SOLE   0 0 671
Travelers COM 89417E109 224 1,322 SH   SOLE   0 0 1,322
Truist Financial COM 89832q109 1,301 27,439 SH   SOLE   0 0 27,439
Union Pacific COM 907818108 1,033 4,843 SH   SOLE   400 0 4,443
Union Pacific COM 907818108 426 1,998 SH   OTR 2 0 0 1,998
United Health Group COM 91324P102 1,803 3,511 SH   SOLE   0 0 3,511
United Parcel Service 'B' COM 911312106 883 4,840 SH   SOLE   300 0 4,540
United Rentals COM 911363109 539 2,218 SH   SOLE   0 0 2,218
VMware COM 928563402 1,255 11,015 SH   SOLE   0 0 11,015
Verizon Communications COM 92343v104 1,623 31,982 SH   SOLE   1,700 0 30,282
Viatris COM 92556v106 158 15,073 SH   SOLE   2,164 0 12,909
Wal-Mart Stores COM 931142103 1,497 12,314 SH   SOLE   0 0 12,314
Waste Management COM 94106L109 2,552 16,683 SH   SOLE   0 0 16,683
Westlake Chemical Corp. COM 960413102 658 6,711 SH   SOLE   0 0 6,711
Wyndham Hotels & Resorts COM 98311a105 487 7,408 SH   SOLE   0 0 7,408
Yum! Brands COM 988498101 357 3,145 SH   SOLE   0 0 3,145
Zimmer Biomet COM 98956p102 1,400 13,330 SH   SOLE   1,255 0 12,075
Zimmer Biomet COM 98956p102 214 2,034 SH   OTR 2 0 0 2,034
Zoetis COM 98978v103 1,882 10,950 SH   SOLE   0 0 10,950
Hoya Capital High Dividend Yie COM 26922b840 290 23,360 SH   SOLE   600 0 22,760
Hoya Capital Housing COM 26922a230 5,958 186,727 SH   SOLE   68,537 0 118,190
American Tower Corp. COM 998311450 1,390 5,440 SH   SOLE   50 0 5,390
Digital Realty Trust COM 253868103 253 1,950 SH   SOLE   50 0 1,900
Invitation Homes COM 46187w107 761 21,400 SH   SOLE   0 0 21,400
Mid America Apartment Communit COM 59522J103 1,368 7,831 SH   SOLE   0 0 7,831
Store Cap Corp COM 862121100 798 30,590 SH   SOLE   140 0 30,450
Terreno Realty Corp. COM 88146m101 577 10,350 SH   SOLE   0 0 10,350