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 CO COM COM 88579Y101 7,046 45,170 SH   SOLE   45,170 0 0
A.O. Smith Corp. COM 831865209 12,149 257,823 SH   SOLE   257,823 0 0
Abbott Laboratories COM 002824100 18,837 206,025 SH   SOLE   206,025 0 0
AbbVie Inc. COM 00287y109 18,238 185,757 SH   SOLE   185,757 0 0
Abiomed Inc. COM 003654100 689 2,852 SH   SOLE   2,852 0 0
Activision, Inc. COM 00507V109 393 5,182 SH   SOLE   5,182 0 0
Adobe Inc. COM 00724F101 16,900 38,822 SH   SOLE   38,822 0 0
AFLAC Inc. COM 001055102 201 5,589 SH   SOLE   5,589 0 0
Air Products and Chemical Co. COM 009158106 872 3,612 SH   SOLE   3,612 0 0
Alibaba Group Holding Ltd COM 01609w102 747 3,463 SH   SOLE   3,463 0 0
AllianzGI Convertible & Income COM 018825109 41 10,500 SH   SOLE   10,500 0 0
Alphabet Inc Cl A COM 02079K305 15,698 11,070 SH   SOLE   11,070 0 0
Alphabet Inc Cl C COM 02079K107 7,966 5,635 SH   SOLE   5,635 0 0
ALPS Trust Alerian MLP ETF COM 00162q452 375 15,212 SH   SOLE   15,212 0 0
Altria Group, Inc. COM 02209S103 560 14,270 SH   SOLE   14,270 0 0
Amazon.com, Inc. COM 023135106 2,894 1,049 SH   SOLE   1,049 0 0
American Express COM 025816109 767 8,053 SH   SOLE   8,053 0 0
American International Group I COM 026874784 289 9,255 SH   SOLE   9,255 0 0
American Tower Corporation COM 03027x100 467 1,805 SH   SOLE   1,805 0 0
American Water Works, Inc. COM 030420103 4,032 31,335 SH   SOLE   31,335 0 0
Amgen COM 031162100 810 3,435 SH   SOLE   3,435 0 0
Apple Inc Com COM 037833100 97,338 266,825 SH   SOLE   266,825 0 0
Applied Materials, Inc. COM 038222105 310 5,125 SH   SOLE   5,125 0 0
Ashland Global Holdings, Inc. COM 044186104 1,574 22,785 SH   SOLE   22,785 0 0
AT&T, Inc. COM 00206r102 15,543 514,155 SH   SOLE   514,155 0 0
Autodesk, Inc. COM 052769106 452 1,889 SH   SOLE   1,889 0 0
Automatic Data Processing COM 053015103 1,225 8,228 SH   SOLE   8,228 0 0
Bank of America Corp. COM 060505104 2,943 123,936 SH   SOLE   123,936 0 0
Baxter International COM 071813109 260 3,020 SH   SOLE   3,020 0 0
Becton, Dickinson Co COM 075887109 314 1,314 SH   SOLE   1,314 0 0
Berkshire Hathaway Inc. Class COM 084670702 664 3,718 SH   SOLE   3,718 0 0
Boeing Corp. COM 097023105 559 3,051 SH   SOLE   3,051 0 0
BP Amoco PLC - Spons ADR COM 055622104 1,197 51,343 SH   SOLE   51,343 0 0
Bristol Myers Squibb Co COM 110122108 4,722 80,303 SH   SOLE   80,303 0 0
Broadcom Inc. COM 11135F101 896 2,840 SH   SOLE   2,840 0 0
CACI International Inc. COM 127190304 206 950 SH   SOLE   950 0 0
Canadian National Railway Co. COM 136375102 9,206 103,944 SH   SOLE   103,944 0 0
CarMax, Inc. COM 143130102 1,805 20,160 SH   SOLE   20,160 0 0
Carrier Global Corp COM 14448C104 516 23,202 SH   SOLE   23,202 0 0
Caterpillar COM 149123101 387 3,062 SH   SOLE   3,062 0 0
ChevronTexaco Corporation COM 166764100 4,709 52,770 SH   SOLE   52,770 0 0
Chubb LTD. COM H1467J104 452 3,567 SH   SOLE   3,567 0 0
Cisco Systems, Inc. COM 17275R102 14,126 302,877 SH   SOLE   302,877 0 0
Citigroup, Inc. COM 172967424 2,810 54,985 SH   SOLE   54,985 0 0
Citrix Sys Inc Com COM 177376100 636 4,299 SH   SOLE   4,299 0 0
Coca Cola Company COM 191216100 7,629 170,748 SH   SOLE   170,748 0 0
Colgate-Palmolive Co. COM 194162103 792 10,817 SH   SOLE   10,817 0 0
Comcast Corporation - Class A COM 20030N101 10,299 264,219 SH   SOLE   264,219 0 0
Communication Services Select COM 81369y852 718 13,295 SH   SOLE   13,295 0 0
Conagra Brands, Inc. COM 205887102 209 5,934 SH   SOLE   5,934 0 0
ConocoPhillips COM 20825C104 5,004 119,074 SH   SOLE   119,074 0 0
Constellation Brands, Inc. COM 21036P108 11,639 66,530 SH   SOLE   66,530 0 0
Corning Inc Com COM 219350105 690 26,651 SH   SOLE   26,651 0 0
Costco Wholesale Corp. COM 22160K105 10,374 34,214 SH   SOLE   34,214 0 0
Crown Castle International Cor COM 22822v101 930 5,557 SH   SOLE   5,557 0 0
CSX Corp. COM 126408103 304 4,353 SH   SOLE   4,353 0 0
CVS/Caremark Corp. COM 126650100 760 11,698 SH   SOLE   11,698 0 0
Delta Airlines COM 247361702 3,389 120,813 SH   SOLE   120,813 0 0
DexCom Inc. COM 252131107 5,177 12,770 SH   SOLE   12,770 0 0
Digital Realty Trust, Inc. COM 253868103 4,075 28,674 SH   SOLE   28,674 0 0
Dixie Group, Inc. COM 255519100 22 23,300 SH   SOLE   23,300 0 0
DocuSign Inc. COM 256163106 7,771 45,125 SH   SOLE   45,125 0 0
Dolby Laboratories, Inc. COM 25659t107 3,230 49,030 SH   SOLE   49,030 0 0
Dollar General COM 256677105 539 2,831 SH   SOLE   2,831 0 0
Dominion Res Inc VA New COM 25746U109 1,419 17,479 SH   SOLE   17,479 0 0
Dover Corp. COM 260003108 285 2,950 SH   SOLE   2,950 0 0
Dow Inc. COM 260557103 1,609 39,486 SH   SOLE   39,486 0 0
Duke Energy Corp. COM 26441C204 6,132 76,758 SH   SOLE   76,758 0 0
Dupont De Nemours, Inc. COM 26614N102 633 11,910 SH   SOLE   11,910 0 0
Eaton Corp. PLC COM G29183103 1,001 11,439 SH   SOLE   11,439 0 0
Ecolabs COM 278865100 3,934 19,776 SH   SOLE   19,776 0 0
Edwards Lifesciences Corp. COM 28176E108 14,149 204,738 SH   SOLE   204,738 0 0
Electronic Arts, Inc. COM 285512109 1,401 10,606 SH   SOLE   10,606 0 0
Eli Lilly COM 532457108 1,020 6,212 SH   SOLE   6,212 0 0
Emerson Elec Co Com COM 291011104 868 13,988 SH   SOLE   13,988 0 0
Enbridge Inc COM 29250N105 353 11,601 SH   SOLE   11,601 0 0
Energy Select Sector SPDR COM 81369y506 427 11,270 SH   SOLE   11,270 0 0
Enterprise Products Partners COM 293792107 261 14,375 SH   SOLE   14,375 0 0
Exact Sciences Corp COM 30063P105 1,442 16,588 SH   SOLE   16,588 0 0
Exxon Mobil Corporation COM 30231G102 3,887 86,908 SH   SOLE   86,908 0 0
Facebook Inc. A COM 30303M102 324 1,426 SH   SOLE   1,426 0 0
FEDEX Corporation COM 31428X106 1,076 7,672 SH   SOLE   7,672 0 0
Financial Select Sector SPDR ( COM 81369y605 612 26,437 SH   SOLE   26,437 0 0
First Republic Bank COM 33616c100 253 2,390 SH   SOLE   2,390 0 0
Frelii, Inc. COM 357051101 1 14,000 SH   SOLE   14,000 0 0
General Electric Corp. COM 369604103 1,213 177,549 SH   SOLE   177,549 0 0
General Mills COM 370334104 495 8,028 SH   SOLE   8,028 0 0
General Motors COM 37045V100 2,966 117,243 SH   SOLE   117,243 0 0
Gilead Sciences Inc COM 375558103 406 5,281 SH   SOLE   5,281 0 0
HCA Healthcare Co. COM 40412c101 759 7,820 SH   SOLE   7,820 0 0
Health Care Select Sector COM 81369y209 3,815 38,123 SH   SOLE   38,123 0 0
Hilton Worldwide Holdings Inc. COM 43300A203 1,384 18,848 SH   SOLE   18,848 0 0
Home Depot COM 437076102 7,147 28,528 SH   SOLE   28,528 0 0
Honeywell International, Inc. COM 438516106 6,036 41,749 SH   SOLE   41,749 0 0
I Shares Transportation Index COM 464287192 276 1,700 SH   SOLE   1,700 0 0
Imperial Oil Ltd. COM 453038408 184 11,407 SH   SOLE   11,407 0 0
Industrial Select Spdr COM 81369y704 1,255 18,263 SH   SOLE   18,263 0 0
Ingevity Corporation COM 45688C107 7,479 142,261 SH   SOLE   142,261 0 0
Intel Corporation COM 458140100 21,941 366,714 SH   SOLE   366,714 0 0
International Business Machine COM 459200101 835 6,916 SH   SOLE   6,916 0 0
Intuit, Inc. COM 461202103 7,664 25,875 SH   SOLE   25,875 0 0
Invesco QQQ Trust Series 1 COM 46090E103 1,196 4,831 SH   SOLE   4,831 0 0
Invesco S&P 500 High Dividend COM 46138E362 881 26,760 SH   SOLE   26,760 0 0
Invesco S&P 500 Low Volatility COM 46138E354 1,138 22,906 SH   SOLE   22,906 0 0
Invesco S&P Equal Weight ETF COM 46137V357 456 4,478 SH   SOLE   4,478 0 0
IShares Core S&P 500 Index Fun COM 464287200 1,676 5,411 SH   SOLE   5,411 0 0
IShares Core S&P Midcap 400 In COM 464287507 432 2,427 SH   SOLE   2,427 0 0
iShares Core S&P U.S Growth ET COM 464287671 487 6,779 SH   SOLE   6,779 0 0
iShares Core S&P U.S. Value ET COM 464287663 232 4,448 SH   SOLE   4,448 0 0
IShares DJ US Financial Sect COM 464287788 8,047 73,058 SH   SOLE   73,058 0 0
IShares DJ US Financial Servic COM 464287770 1,123 9,403 SH   SOLE   9,403 0 0
Ishares DJ US Healthcare COM 464287762 271 1,255 SH   SOLE   1,255 0 0
IShares DJ US Real Estate COM 464287739 209 2,657 SH   SOLE   2,657 0 0
Ishares Dow Jones Select Divid COM 464287168 534 6,620 SH   SOLE   6,620 0 0
iShares Dow Jones U.S. Consume COM 464287580 424 1,938 SH   SOLE   1,938 0 0
iShares Dow Jones U.S. Technol COM 464287721 1,050 3,890 SH   SOLE   3,890 0 0
IShares Dow Jones US Pharmaceu COM 464288836 954 6,200 SH   SOLE   6,200 0 0
iShares Dow Jones US Regional COM 464288778 324 9,585 SH   SOLE   9,585 0 0
iShares High Dividend Equity F COM 46429b663 868 10,698 SH   SOLE   10,698 0 0
IShares MSCI Emergin Mkt COM 464287234 1,528 38,203 SH   SOLE   38,203 0 0
Ishares MSCI USA Minimum Volat COM 46429B697 455 7,512 SH   SOLE   7,512 0 0
Ishares Russell 2000 COM 464287655 1,468 10,254 SH   SOLE   10,254 0 0
IShares Russell 2000 Value COM 464287630 363 3,725 SH   SOLE   3,725 0 0
Ishares S&P Global Tech Sector COM 464287291 22,283 94,602 SH   SOLE   94,602 0 0
IShares S&P Smallcap 600 COM 464287804 259 3,787 SH   SOLE   3,787 0 0
Johnson and Johnson COM 478160104 12,239 87,033 SH   SOLE   87,033 0 0
JP Morgan Chase & Co Com COM 46625H100 12,776 135,826 SH   SOLE   135,826 0 0
KBW Regional Banking Index COM 78464a698 587 15,280 SH   SOLE   15,280 0 0
Keycorp COM 493267108 949 77,908 SH   SOLE   77,908 0 0
Kimberly-Clark COM 494368103 2,176 15,392 SH   SOLE   15,392 0 0
Kinder Morgan, Inc COM 49456b101 338 22,286 SH   SOLE   22,286 0 0
Kroger COM 501044101 1,819 53,723 SH   SOLE   53,723 0 0
L3Harris Technologies, Inc. COM 502431109 280 1,653 SH   SOLE   1,653 0 0
Linde PLC COM G5494J103 1,020 4,811 SH   SOLE   4,811 0 0
Lockheed Martin Corporation COM 539830109 1,160 3,178 SH   SOLE   3,178 0 0
Louisiana Pacific COM 546347105 3,763 146,700 SH   SOLE   146,700 0 0
Lowe's Companies COM 548661107 3,974 29,410 SH   SOLE   29,410 0 0
Lululemon Athletica Inc COM 550021109 5,649 18,105 SH   SOLE   18,105 0 0
Macom Technology Solutions COM 55405y100 430 12,515 SH   SOLE   12,515 0 0
Macquarie Infrastr Co LLC Memb COM 55608B105 1,493 48,645 SH   SOLE   48,645 0 0
Marriott International Inc. Cl COM 571903202 567 6,611 SH   SOLE   6,611 0 0
Masco Corp. COM 574599106 807 16,065 SH   SOLE   16,065 0 0
MasterCard Inc. - Class A COM 57636Q104 2,066 6,987 SH   SOLE   6,987 0 0
McDonald's Corp. COM 580135101 2,143 11,616 SH   SOLE   11,616 0 0
Medtronic, PLC COM G5960L103 463 5,050 SH   SOLE   5,050 0 0
Merck & Co., Inc. COM 58933y105 10,350 133,844 SH   SOLE   133,844 0 0
Micron Technology COM 595112103 226 4,394 SH   SOLE   4,394 0 0
Microsoft, Inc. COM 594918104 38,596 189,654 SH   SOLE   189,654 0 0
Moderna, Inc. COM 60770k107 525 8,175 SH   SOLE   8,175 0 0
Mohawk Industries COM 608190104 790 7,761 SH   SOLE   7,761 0 0
Mondelez International Inc. (A COM 609207105 420 8,216 SH   SOLE   8,216 0 0
Morgan Stanley Com New COM 617446448 2,528 52,331 SH   SOLE   52,331 0 0
Nestle SA Spons ADR for REG COM 641069406 1,056 9,558 SH   SOLE   9,558 0 0
Netflix Inc. COM 64110L106 1,087 2,388 SH   SOLE   2,388 0 0
NextEra Energy, Inc. COM 65339f101 11,184 46,569 SH   SOLE   46,569 0 0
Nike Inc. Class B COM 654106103 8,916 90,929 SH   SOLE   90,929 0 0
Nokia Corp - ADR COM 654902204 2,603 591,620 SH   SOLE   591,620 0 0
Norfolk Southern Corp. COM 655844108 3,689 21,011 SH   SOLE   21,011 0 0
Northrop Grumman Corp. COM 666807102 1,141 3,712 SH   SOLE   3,712 0 0
Novartis A G Sponsored ADR COM 66987V109 5,759 65,943 SH   SOLE   65,943 0 0
Novocure Limited COM 130542697 267 4,500 SH   SOLE   4,500 0 0
Nvidia Corp COM 67066G104 1,573 4,140 SH   SOLE   4,140 0 0
O'Reilly Automotive, Inc. COM 67103H107 4,270 10,126 SH   SOLE   10,126 0 0
Occidental Pete Corp Del Com COM 674599105 239 13,048 SH   SOLE   13,048 0 0
Oracle Systems Corp COM 68389X105 319 5,773 SH   SOLE   5,773 0 0
Otis Worldwide Corp. COM 68902V107 668 11,745 SH   SOLE   11,745 0 0
Park Hotels & Resorts Inc. COM 700517105 553 55,915 SH   SOLE   55,915 0 0
Paychex, Inc. COM 704326107 495 6,536 SH   SOLE   6,536 0 0
PayPal Holdings, Inc. COM 70450Y103 21,407 122,866 SH   SOLE   122,866 0 0
Peloton Interactive Inc. COM 70614w100 410 7,095 SH   SOLE   7,095 0 0
Pepsico COM 713448108 7,458 56,390 SH   SOLE   56,390 0 0
Pfizer COM 717081103 3,367 102,972 SH   SOLE   102,972 0 0
Philip Morris International, I COM 718172109 698 9,959 SH   SOLE   9,959 0 0
Phillips 66 COM 718546104 1,500 20,858 SH   SOLE   20,858 0 0
Pinnacle Financial Partners, I COM 72346q104 1,418 33,766 SH   SOLE   33,766 0 0
Planet Fitness Inc. - Cl A COM 72703h101 1,518 25,066 SH   SOLE   25,066 0 0
Portola Pharmaceuticals, Inc. COM 737010108 292 16,225 SH   SOLE   16,225 0 0
Procter and Gamble COM 742718109 3,547 29,666 SH   SOLE   29,666 0 0
Progressive Corp. COM 743315103 15,146 189,061 SH   SOLE   189,061 0 0
Prudential Financial, Inc. COM 744320102 498 8,182 SH   SOLE   8,182 0 0
Pultegroup Inc. COM 745867101 5,242 154,039 SH   SOLE   154,039 0 0
Qualcomm, Inc. COM 747525103 4,463 48,927 SH   SOLE   48,927 0 0
Raytheon Technologies Corp. COM 75513E101 11,799 191,488 SH   SOLE   191,488 0 0
Regeneron Pharmaceuticals COM 75886F107 290 465 SH   SOLE   465 0 0
Regions Financial Corp. COM 7591ep100 1,035 93,096 SH   SOLE   93,096 0 0
Republic Svcs Inc Com COM 760759100 1,290 15,725 SH   SOLE   15,725 0 0
Resmed, Inc. COM 761152107 320 1,665 SH   SOLE   1,665 0 0
Roche Hldg LTD Sponsored ADR COM 771195104 1,118 25,762 SH   SOLE   25,762 0 0
Royal Bank of Canada COM 780087102 436 6,425 SH   SOLE   6,425 0 0
Royal Caribbean Cruises LTD. COM V7780T103 246 4,900 SH   SOLE   4,900 0 0
S & P 500 Depositary Receipt ( COM 78462F103 8,533 27,674 SH   SOLE   27,674 0 0
Schwab US Dividend Equity ETF COM 808524797 419 8,098 SH   SOLE   8,098 0 0
Sempra Energy COM 816851109 213 1,816 SH   SOLE   1,816 0 0
Southern Co. COM 842587107 859 16,566 SH   SOLE   16,566 0 0
SPDR Gold Trust COM 78463v107 1,481 8,851 SH   SOLE   8,851 0 0
SPDR MSCI ACWI (ex-US) ETF COM 78463x848 335 14,762 SH   SOLE   14,762 0 0
SPDR S&P Biotech ETF (xbi) COM 78464A870 839 7,495 SH   SOLE   7,495 0 0
SPDR S&P Dividend ETF COM 78464a763 236 2,585 SH   SOLE   2,585 0 0
Starbucks Corp. COM 855244109 499 6,777 SH   SOLE   6,777 0 0
Straumann Holding AG COM 013293546 366 450 SH   SOLE   450 0 0
Target Corporation COM 87612E106 1,398 11,660 SH   SOLE   11,660 0 0
Technology Select Sect Spdr (x COM 81369y803 2,157 20,643 SH   SOLE   20,643 0 0
Tesla Motors, Inc. COM 88160r101 416 385 SH   SOLE   385 0 0
Texas Instruments COM 882508104 8,885 69,975 SH   SOLE   69,975 0 0
Thermo Fisher Scientific Inc. COM 883556102 216 596 SH   SOLE   596 0 0
TJX Companies COM 872540109 7,276 143,899 SH   SOLE   143,899 0 0
Tractor Supply Company COM 892356106 15,099 114,565 SH   SOLE   114,565 0 0
Truist Financial Corp. COM 89832Q109 4,639 123,542 SH   SOLE   123,542 0 0
Union Pacific COM 907818108 864 5,110 SH   SOLE   5,110 0 0
United Parcel Service Co COM 911312106 3,800 34,177 SH   SOLE   34,177 0 0
UnitedHealth Group COM 91324P102 12,820 43,467 SH   SOLE   43,467 0 0
Unum Group Com COM 91529Y106 938 56,520 SH   SOLE   56,520 0 0
Utilities Select Sector SPDR F COM 81369Y886 1,871 33,148 SH   SOLE   33,148 0 0
Vanguard Dividend Appreciation COM 921908844 1,138 9,711 SH   SOLE   9,711 0 0
Vanguard Emerging Market ETF COM 922042858 1,425 35,967 SH   SOLE   35,967 0 0
Vanguard Information Technolog COM 92204a702 1,545 5,543 SH   SOLE   5,543 0 0
Vanguard REIT Index ETF COM 922908553 370 4,710 SH   SOLE   4,710 0 0
Vanguard S&P 500 ETF COM 922908363 4,983 17,582 SH   SOLE   17,582 0 0
Vanguard US Total Stock Market COM 922908769 263 1,678 SH   SOLE   1,678 0 0
Verizon Communications Inc. COM 92343V104 11,360 206,057 SH   SOLE   206,057 0 0
Visa, Inc. - Cl. A COM 92826c839 20,440 105,816 SH   SOLE   105,816 0 0
Vulcan Matls Co Com COM 929160109 1,057 9,122 SH   SOLE   9,122 0 0
Wal-Mart Stores COM 931142103 4,045 33,768 SH   SOLE   33,768 0 0
Walgreens Boots Alliance, Inc. COM 931427108 1,988 46,891 SH   SOLE   46,891 0 0
Walt Disney COM 254687106 4,469 40,077 SH   SOLE   40,077 0 0
Wells Fargo COM 949746101 274 10,707 SH   SOLE   10,707 0 0
WestRock Company COM 96145D105 36,654 1,297,022 SH   SOLE   1,297,022 0 0
Weyerhaeuser Co. COM 962166104 2,980 132,698 SH   SOLE   132,698 0 0
Williams-Sonoma, Inc. COM 969904101 243 2,957 SH   SOLE   2,957 0 0
Xilinx, Inc. COM 983919101 7,635 77,603 SH   SOLE   77,603 0 0
XPO Logistics COM 983793100 1,032 13,362 SH   SOLE   13,362 0 0
Xylem, Inc. COM 98419m100 1,366 21,035 SH   SOLE   21,035 0 0
Zoetis, Inc. COM 98978v103 3,270 23,864 SH   SOLE   23,864 0 0