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
Expires: July 31, 2015
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 612,020 3,780 SH SOLE 2,120 0 1,660
Abbott Laboratories COM 002824100 1,414,909 15,593 SH SOLE 0 0 15,593
Abbvie COM 00287Y109 3,112,787 12,370 SH SOLE 0 0 12,370
Aecon Group COM 00762v109 321,000 10,000 SH SOLE 0 0 10,000
Alphabet Class A COM 02079k305 1,187,541 3,323 SH SOLE 1,015 0 2,308
Alphabet Class C COM 02079k107 7,538,296 21,335 SH SOLE 205 0 21,130
Amazon COM 023135106 5,187,708 21,766 SH SOLE 1,260 0 20,506
American Express COM 025816109 3,180,903 9,404 SH SOLE 0 0 9,404
Ameriprise Financial COM 03076C106 550,512 1,200 SH SOLE 0 0 1,200
Amgen COM 031162100 1,090,343 3,011 SH SOLE 0 0 3,011
Apollo Global Mgmt. LLC COM 037612306 384,508 3,250 SH SOLE 0 0 3,250
Apple COM 037833100 8,606,145 29,742 SH SOLE 2,200 0 27,542
Applied Materials COM 038222105 2,709,804 3,748 SH SOLE 0 0 3,748
Bank America COM 060505104 269,003 4,721 SH SOLE 0 0 4,721
Bank of New York Mellon COM 064058100 1,424,698 9,852 SH SOLE 7,392 0 2,460
Becton Dickinson COM 075887109 273,151 1,805 SH SOLE 0 0 1,805
Blackstone Group COM 09253u108 239,341 2,034 SH SOLE 0 0 2,034
Boeing COM 097023105 324,705 1,500 SH SOLE 0 0 1,500
Bristol-Myers Squibb COM 110122108 688,789 11,954 SH SOLE 5,866 0 6,088
Broadcom, Inc. COM 11135f101 1,703,653 4,510 SH SOLE 0 0 4,510
CACI International COM 127190304 220,049 475 SH SOLE 0 0 475
CVS/Caremark COM 126650100 815,186 7,880 SH SOLE 0 0 7,880
Cal-Maine Foods COM 128030202 276,321 3,430 SH SOLE 0 0 3,430
Capital One Financial COM 14040H105 412,274 2,055 SH SOLE 0 0 2,055
Caterpillar COM 149123101 833,817 783 SH SOLE 0 0 783
Chevron COM 166764100 2,454,243 14,806 SH SOLE 716 0 14,090
Cigna COM 125509109 267,685 971 SH SOLE 0 0 971
Cisco Systems COM 17275R952 2,746,097 23,379 SH SOLE 0 0 23,379
Clorox COM 189054109 544,008 5,700 SH SOLE 2,320 0 3,380
Coca-Cola COM 191216100 250,474 3,082 SH SOLE 0 0 3,082
Constellation Energy COM 21037T109 443,589 1,786 SH SOLE 0 0 1,786
Corteva COM 22052l104 657,957 7,769 SH SOLE 0 0 7,769
Credo Technology COM G25457105 692,113 2,545 SH SOLE 0 0 2,545
D R Horton COM 23331A109 3,474,230 21,330 SH SOLE 0 0 21,330
Datadog COM 23804L103 1,856,106 7,129 SH SOLE 1,035 0 6,094
Disney COM 254687106 1,952,528 20,286 SH SOLE 1,500 0 18,786
Dolby Class A COM 25659T107 583,112 11,090 SH SOLE 0 0 11,090
Dover Corp. COM 260003108 1,235,334 5,508 SH SOLE 0 0 5,508
Du Pont (E.I) de Nemours COM 26614N102 833,283 6,143 SH SOLE 986 0 5,157
Eli Lilly COM 532457108 1,278,592 1,066 SH SOLE 0 0 1,066
Emerson Electric COM 291011104 2,039,888 14,250 SH SOLE 3,200 0 11,050
Entergy COM 28364G103 232,706 2,026 SH SOLE 0 0 2,026
Equifax COM 294429105 1,168,020 7,359 SH SOLE 730 0 6,629
Evergy COM 30034w106 218,063 2,523 SH SOLE 0 0 2,523
Exxon Mobil COM 30231G102 3,030,809 22,168 SH SOLE 6,675 0 15,493
FedEx COM 31428x106 409,887 1,309 SH SOLE 0 0 1,309
First American Financial COM 31847r102 293,222 4,275 SH SOLE 0 0 4,275
GE Aerospace COM 369604301 2,751,027 7,361 SH SOLE 700 0 6,661
GE Vernova COM 36828a101 1,408,657 1,199 SH SOLE 56 0 1,143
Goldman Sachs COM 38141G104 3,777,467 3,735 SH SOLE 210 0 3,525
Home Depot COM 437076102 2,448,305 6,942 SH SOLE 700 0 6,242
Hubbell COM 443510607 2,742,091 5,241 SH SOLE 0 0 5,241
Humana COM 444859102 1,374,381 3,460 SH SOLE 0 0 3,460
Huntington Bancshares COM 446150104 259,780 14,652 SH SOLE 0 0 14,652
Huntington Ingalls Ind. COM 446413106 1,358,026 4,852 SH SOLE 0 0 4,852
Icon PLC COM G4705A100 208,452 1,200 SH SOLE 0 0 1,200
Intel COM 458140100 5,556,436 39,794 SH SOLE 2,800 0 36,994
International Business Machine COM 459200101 4,652,619 16,545 SH SOLE 1,610 0 14,935
Intuit COM 461202103 231,254 886 SH SOLE 0 0 886
JPMorgan Chase COM 46625h100 14,791,061 45,187 SH SOLE 692 0 44,495
Jacobs Solutions COM 46982L108 1,086,120 8,620 SH SOLE 0 0 8,620
Johnson & Johnson COM 478160104 10,569,977 41,619 SH SOLE 6,471 0 35,148
Kroger COM 501044101 490,996 8,842 SH SOLE 0 0 8,842
LPL Financial Holdings COM 50212V100 419,703 1,490 SH SOLE 0 0 1,490
Labcorp Holdings COM 50540r409 2,660,000 9,500 SH SOLE 0 0 9,500
Lear Corp. COM 521865204 1,327,462 9,902 SH SOLE 0 0 9,902
Lowes COM 548661107 1,648,383 7,476 SH SOLE 0 0 7,476
Match Group COM 57665r106 247,173 6,496 SH SOLE 0 0 6,496
McCormick COM 579780206 574,082 11,386 SH SOLE 9,600 0 1,786
McDonald's Corp. COM 580135101 1,482,921 5,486 SH SOLE 1,707 0 3,779
Merck COM 58933y105 1,216,253 9,465 SH SOLE 2,548 0 6,917
Microsoft COM 594918104 7,073,205 18,962 SH SOLE 950 0 18,012
Moody's Corp. COM 615369105 418,498 924 SH SOLE 0 0 924
Nasdaq COM 631103108 530,065 6,725 SH SOLE 0 0 6,725
National Fuel Gas COM 636180101 877,878 11,370 SH SOLE 0 0 11,370
Nestle ADR COM 641069406 1,988,709 19,309 SH SOLE 5,000 0 14,309
Newmont Mining Corp. COM 651639106 388,077 4,155 SH SOLE 0 0 4,155
Nextera Energy COM 65339F101 746,308 8,503 SH SOLE 0 0 8,503
Nvidia Corp. COM 67066G104 3,463,558 17,310 SH SOLE 2,630 0 14,680
Old Republic COM 680223104 1,104,840 27,000 SH SOLE 0 0 27,000
Oracle COM 68389x105 333,548 2,276 SH SOLE 0 0 2,276
Packaging Corp. COM 695156109 389,588 1,635 SH SOLE 0 0 1,635
PepsiCo COM 713448108 1,255,835 9,275 SH SOLE 0 0 9,275
Pfizer COM 717081103 1,340,919 55,686 SH SOLE 17,356 0 38,330
Powell Industries COM 739128106 272,042 950 SH SOLE 0 0 950
Procter & Gamble COM 742718109 2,298,289 15,673 SH SOLE 2,437 0 13,236
Qnity COM 74743L100 1,483,835 9,086 SH SOLE 1,479 0 7,607
Quanta Services COM 74762E102 759,642 1,055 SH SOLE 0 0 1,055
RTX COM 75513e101 1,185,812 6,250 SH SOLE 0 0 6,250
S&P Global COM 78409V104 2,209,386 5,425 SH SOLE 590 0 4,835
SLB Ltd. COM 806857108 201,813 4,341 SH SOLE 0 0 4,341
Schwab, Charles COM 808513105 1,986,758 21,532 SH SOLE 0 0 21,532
Seagate COM G7997R103 7,425,675 7,695 SH SOLE 0 0 7,695
Service Corp. Int'l. COM 817565104 759,600 10,000 SH SOLE 0 0 10,000
Teledyne Technologies COM 879360106 2,314,810 3,471 SH SOLE 0 0 3,471
Travelers COM 89417E109 224,482 680 SH SOLE 0 0 680
Union Pacific COM 907818108 817,360 3,005 SH SOLE 0 0 3,005
United Health Group COM 91324P102 901,086 2,168 SH SOLE 0 0 2,168
United Rentals COM 911363109 7,914,370 6,986 SH SOLE 197 0 6,789
Verizon Communications COM 92343v104 292,400 6,906 SH SOLE 0 0 6,906
Wal-Mart Stores COM 931142103 2,673,049 23,601 SH SOLE 0 0 23,601
Waste Management COM 94106L109 2,590,534 11,623 SH SOLE 0 0 11,623
Waters Corp. COM 941848103 243,401 649 SH SOLE 0 0 649
Westlake Chemical Corp. COM 960413102 489,903 6,711 SH SOLE 0 0 6,711
Wyndham Hotels & Resorts COM 98311a105 623,828 7,408 SH SOLE 0 0 7,408
Yum! Brands COM 988498101 403,167 2,522 SH SOLE 0 0 2,522
Zoetis COM 98978v103 766,028 10,660 SH SOLE 0 0 10,660
Hoya Capital High Dividend Yie COM 26922b840 948,812 97,314 SH SOLE 29,900 0 67,414
Hoya Capital Housing COM 26922a230 7,349,376 153,817 SH SOLE 69,027 0 84,790
IShares Russell 2000 Index COM 46425H100 280,320 933 SH SOLE 0 0 933
Ishares Russell Midcap Index COM 464287499 319,928 2,900 SH SOLE 0 0 2,900
Apple Hospitality COM 03784y200 285,770 17,000 SH SOLE 0 0 17,000
Digital Realty Trust COM 253868103 332,223 1,850 SH SOLE 50 0 1,800
Kite Realty Group COM 49803t300 1,433,474 50,510 SH SOLE 0 0 50,510
Mid America Apartment Communit COM 59522J103 200,074 1,440 SH SOLE 0 0 1,440