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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101 465 2,833 SH SOLE 0 0 2,833
AFLAC Inc. COM 001055102 731 6,537 SH SOLE 0 0 6,537
Abbott Laboratories COM 002824100 986 9,977 SH SOLE 0 0 9,977
Alphabet Inc. Class A COM 02079K305 3,918 11,386 SH SOLE 0 0 11,386
Alphabet Inc. Class C COM 02079K107 3,498 10,265 SH SOLE 0 0 10,265
American Express Co. COM 025816109 3,246 10,673 SH SOLE 0 0 10,673
Amgen Inc. COM 031162100 5,477 12,993 SH SOLE 0 0 12,993
Apple Inc. COM 037833100 12,778 38,371 SH SOLE 0 0 38,371
Automatic Data Processing Inc. COM 053015103 2,892 11,206 SH SOLE 0 0 11,206
Bank of America Corp COM 060505104 372 6,837 SH SOLE 0 0 6,837
Berkshire Hathaway Class B COM 084670702 4,989 10,020 SH SOLE 0 0 10,020
CVS Health Corporation COM 126650100 462 5,388 SH SOLE 0 0 5,388
Camden Property Trust COM 133131102 1,227 12,680 SH SOLE 0 0 12,680
Carrier Global Corp COM 14448C104 568 10,351 SH SOLE 0 0 10,351
Caterpillar Inc COM 149123101 284 350 SH SOLE 0 0 350
Chevron Corp COM 166764100 3,075 15,060 SH SOLE 0 0 15,060
Chubb Limited COM H1467J104 976 3,000 SH SOLE 0 0 3,000
Cigna Corporation COM 125523100 287 1,057 SH SOLE 0 0 1,057
Cisco Systems Inc. COM 17275R102 4,029 37,434 SH SOLE 0 0 37,434
Coca-Cola Company COM 191216100 8,768 101,866 SH SOLE 0 0 101,866
Colgate-Palmolive Co COM 194162103 657 7,697 SH SOLE 0 0 7,697
Comcast cl A COM 20030N101 501 23,030 SH SOLE 0 0 23,030
ConocoPhillips COM 20825C104 1,328 10,611 SH SOLE 0 0 10,611
Corteva Inc. COM 22052L104 267 3,439 SH SOLE 0 0 3,439
Costco Wholesale Corp COM 22160K105 6,677 7,335 SH SOLE 0 0 7,335
Danaher Corporation COM 235851102 4,482 20,232 SH SOLE 0 0 20,232
Diageo PLC ADS COM 25243Q205 243 2,835 SH SOLE 0 0 2,835
Dominion Energy, Inc. COM 25746U109 1,073 17,737 SH SOLE 0 0 17,737
DuPont de Nemours Inc. COM 26614N102 528 4,067 SH SOLE 0 0 4,067
Duke Energy Corp COM 26441C204 1,861 16,325 SH SOLE 0 0 16,325
Elevance Health, Inc. COM 036752103 2,092 5,381 SH SOLE 0 0 5,381
Eli Lilly & Co. COM 532457108 216 187 SH SOLE 0 0 187
Emerson Electric Co. COM 291011104 2,708 17,457 SH SOLE 0 0 17,457
Enterprise Products Part LP COM 293792107 376 10,551 SH SOLE 0 0 10,551
Exxon Mobil Corporation COM 30231G102 6,180 37,973 SH SOLE 0 0 37,973
Fiserv Inc. COM 337738108 704 15,585 SH SOLE 0 0 15,585
Fortive Corporation COM 34959J108 888 16,209 SH SOLE 0 0 16,209
G.E. Aerospace COM 369604301 366 1,172 SH SOLE 0 0 1,172
G.E. Vernova COM 36828A101 273 287 SH SOLE 0 0 287
General Mills Inc. COM 370334104 446 13,857 SH SOLE 0 0 13,857
Genuine Parts Company COM 372460105 653 5,195 SH SOLE 0 0 5,195
Goldman Sachs Group Inc COM 38141G104 787 874 SH SOLE 0 0 874
Hanover Bancorp COM 410710206 1,913 76,780 SH SOLE 0 0 76,780
Home Depot Inc. COM 437076102 4,752 16,704 SH SOLE 0 0 16,704
Honeywell Aerospace COM 43849R105 1,063 6,859 SH SOLE 0 0 6,859
Honeywell Technologies COM 438516205 1,480 7,015 SH SOLE 0 0 7,015
JPMorgan Chase & Co COM 46625H100 5,465 16,520 SH SOLE 0 0 16,520
Johnson & Johnson COM 478160104 12,268 46,337 SH SOLE 0 0 46,337
Merck & Co. Inc. COM 58933Y105 2,060 14,174 SH SOLE 0 0 14,174
Microsoft Corporation COM 594918104 9,273 18,080 SH SOLE 0 0 18,080
Mondelez International Inc COM 609207105 2,071 35,814 SH SOLE 0 0 35,814
Morgan Stanley COM 617446448 1,349 7,170 SH SOLE 0 0 7,170
Murphy USA, Inc. COM 626755102 897 1,779 SH SOLE 0 0 1,779
Novo-Nordisk A/S COM 670100205 560 14,770 SH SOLE 0 0 14,770
Nucor Corporation COM 670346105 2,719 11,631 SH SOLE 0 0 11,631
Otis Worldwide Corp COM 68902V107 353 5,495 SH SOLE 0 0 5,495
PepsiCo, Inc. COM 713448108 2,180 17,204 SH SOLE 0 0 17,204
Perella Weinberg Partners COM 71367G102 1,895 116,170 SH SOLE 0 0 116,170
Pfizer Inc. COM 717081103 1,432 50,211 SH SOLE 0 0 50,211
Phillips 66 COM 718546104 1,908 7,472 SH SOLE 0 0 7,472
Procter & Gamble Co. COM 742718109 3,302 22,728 SH SOLE 0 0 22,728
Public Service Enterprise Grp COM 744573106 204 3,036 SH SOLE 0 0 3,036
Qnity Corporation COM 74737S108 872 6,934 SH SOLE 0 0 6,934
Ralliant Corp. COM 750940108 377 5,451 SH SOLE 0 0 5,451
Raytheon Technologies Corp COM 75513E101 3,289 17,718 SH SOLE 0 0 17,718
Republic Services Inc. COM 760759100 2,319 11,048 SH SOLE 0 0 11,048
Stryker Corp COM 863667101 1,049 3,808 SH SOLE 0 0 3,808
Sysco Corporation COM 871829107 3,318 42,554 SH SOLE 0 0 42,554
TJX Companies Inc. COM 872540109 9,130 69,002 SH SOLE 0 0 69,002
U.S. Bancorp COM 902973304 1,548 26,799 SH SOLE 0 0 26,799
Union Pacific Corp. COM 907818108 1,661 6,105 SH SOLE 0 0 6,105
Veralto Corporation COM 92338c103 484 5,130 SH SOLE 0 0 5,130
Verizon Communications, Inc. COM 92343V104 325 7,077 SH SOLE 0 0 7,077
Vivmark Residential Prop COM 29476L107 1,407 23,152 SH SOLE 0 0 23,152
Walmart Inc. COM 931142103 221 2,130 SH SOLE 0 0 2,130
Walt Disney Company COM 254687106 2,532 24,134 SH SOLE 0 0 24,134
IShares Select Dividend ETF OTR 464287168 551 3,625 SH SOLE 0 0 3,625
IShares Barclays TIPS ETF OTR 464287176 1,911 18,368 SH SOLE 0 0 18,368
IShares S&P ST AMT Free ETF OTR 464288158 588 5,625 SH SOLE 0 0 5,625
IShares ST Corp Bond ETF OTR 464288646 4,322 84,359 SH SOLE 0 0 84,359
SPDR Gold Trust OTR 78463V107 696 1,827 SH SOLE 0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103 3,342 4,382 SH SOLE 0 0 4,382
Vanguard Ext Mkt ETF OTR 922908652 1,618 6,984 SH SOLE 0 0 6,984
Vanguard Interm Corp ETF OTR 92206C870 3,597 45,929 SH SOLE 0 0 45,929
Vanguard Interm Govt ETF OTR 92206C706 3,070 54,176 SH SOLE 0 0 54,176
Vanguard Sh Term Bond ETF OTR 921937827 6,969 91,219 SH SOLE 0 0 91,219
Vanguard Sh Term Govt ETF OTR 92206C102 6,858 119,137 SH SOLE 0 0 119,137
Vanguard Sh Term Corp ETF OTR 92206C409 4,128 53,434 SH SOLE 0 0 53,434
Vanguard Tot Bond ETF OTR 921937835 621 8,851 SH SOLE 0 0 8,851
Vanguard FTSE All-World ex-US OTR 922042775 1,017 12,258 SH SOLE 0 0 12,258
Vanguard Total Stock Mkt OTR 922908769 3,554 9,496 SH SOLE 0 0 9,496
iShares S&P Midcap 400 OTR 464287507 383 5,325 SH SOLE 0 0 5,325