Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
BRK/B	Berkshire Hathaway 'B'	337,101	$90.01M	9.5%	$112.39	+153.2%	COM	084670702
HCA	HCA Healthcare, Inc.	439,419	$80.76M	8.5%	$60.48	+220.0%	COM	40412C101
FRFHF	Fairfax Financial Hld	115,876	$53.2M	5.6%	$330.98	+47.5%	COM	303901102
AAPL	Apple Inc.	346,709	$47.91M	5.1%	$82.04	+88.1%	COM	037833100
—	Accenture Ltd	121,427	$31.24M	3.3%	$76.68	—	COM	g1151c101
MSFT	Microsoft Corp.	101,660	$23.68M	2.5%	$52.61	+388.3%	COM	594918104
AMZN	Amazon.com	173,250	$19.58M	2.1%	$121.68	+3.9%	COM	023135106
LOW	Lowes Companies	98,528	$18.5M	2.0%	$44.80	+307.1%	COM	548661107
JNJ	Johnson & Johnson	105,527	$17.24M	1.8%	$68.70	+122.6%	COM	478160104
—	Alphabet Inc. Class C	178,198	$17.13M	1.8%	$140.52	—	COM	02079k107
—	Pinnacle Financial Partners	177,434	$14.39M	1.5%	$62.10	—	COM	72346q104
MDLZ	Mondelez Int'l Inc	244,278	$13.39M	1.4%	$25.48	+122.1%	COM	609207105
PG	Procter & Gamble Co.	105,842	$13.36M	1.4%	$56.63	+130.6%	COM	742718109
DIS	Walt Disney Co.	133,994	$12.64M	1.3%	$79.97	+30.8%	COM	254687106
—	Goldman Sachs Group	42,814	$12.55M	1.3%	$223.92	—	COM	38141g104
V	Visa Inc	66,927	$11.89M	1.3%	$202.87	-2.2%	COM	92826C839
XOM	Exxon Mobil Corp.	127,757	$11.15M	1.2%	$53.20	+52.9%	COM	30231G102
HD	Home Depot Inc.	39,565	$10.92M	1.2%	$59.76	+352.9%	COM	437076102
URI	United Rentals, Inc.	40,212	$10.86M	1.1%	$161.27	+74.8%	COM	911363109
WMT	Wal-Mart Stores Inc.	77,531	$10.06M	1.1%	$21.54	+95.0%	COM	931142103
L	Loews Corp.	200,125	$9.974M	1.1%	$42.04	+31.9%	COM	540424108
MDT	Medtronic PLC	123,014	$9.933M	1.1%	$78.74	+2.6%	COM	G5960L103
CAT	Caterpillar Inc.	59,587	$9.777M	1.0%	$80.18	+114.8%	COM	149123101
RSG	Republic Services Inc.	70,973	$9.655M	1.0%	$26.38	+407.4%	COM	760759100
UPS	United Parcel Svc. Cl B	55,581	$8.979M	0.9%	$70.34	+128.2%	COM	911312106
—	Merck & Company Inc.	103,260	$8.893M	0.9%	$53.41	—	COM	58933y105
CVS	CVS Health Corp.	92,995	$8.869M	0.9%	$60.54	+44.7%	COM	126650100
FISV	Fiserv	93,925	$8.789M	0.9%	$110.44	-7.7%	COM	337738108
FDX	FedEx Corp.	57,328	$8.511M	0.9%	$139.85	+40.0%	COM	31428X106
—	ViaSat Inc	281,500	$8.51M	0.9%	$33.51	—	COM	92552v100
PFE	Pfizer Inc.	186,830	$8.176M	0.9%	$20.24	+99.6%	COM	717081103
RTX	Raytheon Technologies Corp.	99,816	$8.171M	0.9%	$58.32	+43.8%	COM	75513E101
CXW	CoreCivic, Inc.	834,978	$7.381M	0.8%	$13.83	-27.0%	COM	21871N101
AMGN	Amgen Inc.	31,988	$7.21M	0.8%	$104.50	+108.5%	COM	031162100
—	Brookfield Asset Mgmt	173,252	$7.084M	0.7%	$40.62	—	COM	112585104
SYY	Sysco Corp.	95,311	$6.739M	0.7%	$29.40	+157.5%	COM	871829107
—	M&T Bank Corp.	37,255	$6.569M	0.7%	$159.40	—	COM	55261f104
HAL	Halliburton Inc.	264,403	$6.51M	0.7%	$31.02	-14.4%	COM	406216101
LUMN	Lumen Technologies	871,675	$6.346M	0.7%	$8.43	+18.8%	COM	550241103
AEM	Agnico Eagle Mines Ltd.	141,919	$5.993M	0.6%	$34.56	+14.1%	COM	008474108
CSCO	Cisco Systems Inc.	140,837	$5.633M	0.6%	$19.65	+103.8%	COM	17275R102
BMY	Bristol Myers Squibb	75,466	$5.365M	0.6%	$39.60	+57.3%	COM	110122108
BBBY	Overstock	215,717	$5.253M	0.6%	$19.70	+40.0%	COM	690370101
HON	Honeywell Intl.	31,456	$5.252M	0.6%	$105.19	+54.2%	COM	438516106
—	TEGNA, Inc.	252,095	$5.213M	0.6%	$31.31	—	COM	87901j105
—	National Health Invstrs	91,521	$5.174M	0.5%	$59.86	—	COM	63633d104
—	Equity Commonwealth	212,000	$5.164M	0.5%	$29.50	—	COM	294628102
—	Zoetis, Inc.	34,713	$5.148M	0.5%	$38.85	—	COM	98978v103
INTC	Intel Corp.	197,625	$5.093M	0.5%	$19.44	+66.2%	COM	458140100
KO	Coca Cola Co.	90,577	$5.074M	0.5%	$33.32	+68.2%	COM	191216100
NOV	NOV Inc.	302,000	$4.886M	0.5%	$12.87	+30.7%	COM	62955J103
PM	Philip Morris Intl	58,503	$4.856M	0.5%	$50.41	+60.6%	COM	718172109
WTM	White Mountain Ins	3,683	$4.799M	0.5%	$583.58	+121.7%	COM	G9618E107
BLX	Banco LatinoAmericano	364,322	$4.758M	0.5%	$11.41	+4.3%	COM	P16994132
BAC	BankAmerica Corp.	156,036	$4.712M	0.5%	$26.17	+16.9%	COM	060505104
—	Regions Financial Corp.	233,768	$4.692M	0.5%	$10.68	—	COM	7591ep100
CVX	Chevron Corp.	28,831	$4.142M	0.4%	$81.30	+63.4%	COM	166764100
—	Comcast Corp. - Class A	140,341	$4.116M	0.4%	$43.00	—	COM	20030n101
JEF	Jefferies Financial Grp	134,740	$3.975M	0.4%	$16.31	+66.7%	COM	47233W109
MCD	McDonalds Corp.	17,038	$3.931M	0.4%	$74.95	+215.2%	COM	580135101
SBUX	Starbucks Corp.	46,068	$3.882M	0.4%	$55.79	+40.4%	COM	855244109
ADT	ADT, Inc.	487,972	$3.655M	0.4%	$7.13	-3.2%	COM	00090Q103
SLB	Schlumberger Ltd.	101,595	$3.647M	0.4%	$45.35	-26.3%	COM	806857108
—	DXC Technology Co.	147,974	$3.622M	0.4%	$46.15	—	COM	23355l106
—	Meta Platforms, Inc.	25,485	$3.458M	0.4%	$242.12	—	COM	30303m102
ABT	Abbott Laboratories	35,599	$3.445M	0.4%	$33.89	+195.1%	COM	002824100
BA	Boeing Co.	27,902	$3.378M	0.4%	$191.97	-20.1%	COM	097023105
—	J. P. Morgan Chase & Co. Inc.	31,739	$3.317M	0.4%	$97.75	—	COM	46625h100
IJR	iShares S&P SmallCap 600 Index	36,973	$3.224M	0.3%	$79.03	—	COM	464287804
—	Oracle	51,390	$3.138M	0.3%	$39.09	—	COM	68389x105
—	Cable One Inc	3,580	$3.054M	0.3%	$643.24	—	COM	12685j105
SYK	Stryker	14,186	$2.873M	0.3%	$186.83	+8.7%	COM	863667101
TFC	Truist Financial Corp.	64,116	$2.792M	0.3%	$40.55	-0.8%	COM	89832Q109
PYPL	PayPal Holdings Inc.	31,904	$2.746M	0.3%	$128.25	-31.0%	COM	70450Y103
GHC	Graham Holdings Co	5,100	$2.744M	0.3%	$483.02	+14.6%	COM	384637104
VWO	Vanguard Emerging Markets ETF	74,729	$2.727M	0.3%	$41.16	—	COM	922042858
PINK	PINK Simplify Health Care ETF	113,528	$2.696M	0.3%	$23.75	—	COM	82889N772
BP	BP PLC	93,827	$2.679M	0.3%	$30.03	—	COM	055622104
PEP	PepsiCo Inc.	16,368	$2.672M	0.3%	$61.52	+151.0%	COM	713448108
—	Alphabet Inc. Class A	27,338	$2.615M	0.3%	$163.58	—	COM	02079k305
WFC	Wells Fargo & Co.	64,224	$2.583M	0.3%	$35.93	+9.6%	COM	949746101
—	AbbVie, Inc.	17,953	$2.409M	0.3%	$66.93	—	COM	00287y109
CARR	Carrier Global Corp.	65,641	$2.334M	0.2%	$17.13	+119.5%	COM	14448C104
—	Verizon Comm.	61,418	$2.332M	0.2%	$53.28	—	COM	92343v104
—	Geo Group Inc	287,000	$2.21M	0.2%	$7.70	—	COM	36162j106
BKD	Brookdale Sr Living Inc	515,585	$2.202M	0.2%	$10.06	-52.9%	COM	112463104
HSIC	Henry Schein, Inc.	33,155	$2.181M	0.2%	$75.48	-1.6%	COM	806407102
DAL	Delta Airlines Inc.	77,411	$2.172M	0.2%	$43.99	-29.8%	COM	247361702
DOC	Healthpeak Properties Inc.	94,370	$2.163M	0.2%	$24.01	-10.1%	COM	42250P103
OI	O-I Glass, Inc.	166,774	$2.16M	0.2%	$9.90	+36.7%	COM	67098H104
USB	US Bancorp	53,176	$2.144M	0.2%	$37.89	+3.5%	COM	902973304
DEO	Diageo PLC	12,397	$2.105M	0.2%	$116.02	—	COM	25243Q205
LUV	Southwest Airlines Co.	67,720	$2.088M	0.2%	$37.98	-8.2%	COM	844741108
—	Hewlett Packard Ent	167,784	$2.01M	0.2%	$13.03	—	COM	42824c109
VDE	Vanguard Energy ETF	19,789	$2.01M	0.2%	$101.57	—	COM	92204A306
—	Travelers Inc.	13,074	$2.003M	0.2%	$123.18	—	COM	89417e109
—	Duke Energy Corp.	19,915	$1.853M	0.2%	$68.35	—	COM	26441c204
NKE	Nike	21,683	$1.802M	0.2%	$113.93	-10.9%	COM	654106103
IBM	International Business Machine	15,074	$1.791M	0.2%	$109.79	+5.3%	COM	459200101
EEM	iShares MSCI Emerging Markets	51,115	$1.783M	0.2%	$46.00	—	COM	464287234
—	VanEck Vectors Oil Services ET	8,125	$1.716M	0.2%	$208.71	—	COM	92189h607
SPY	S & P 500 Index Depository Rec	4,785	$1.709M	0.2%	$285.35	—	COM	78462F103
—	Dominion Energy Inc.	24,092	$1.665M	0.2%	$62.36	—	COM	25746u109
T	AT&T, Inc.	103,776	$1.592M	0.2%	$11.73	+28.6%	COM	00206R102
STZ	Constellation Brands Inc. Clas	6,374	$1.464M	0.2%	$210.79	+8.9%	COM	21036P108
GLD	SPDR Gold Trust	9,240	$1.429M	0.2%	$161.10	—	COM	78463V107
—	Altria Group, Inc.	35,359	$1.428M	0.2%	$36.50	—	COM	02209s103
—	Select Basic Materials Sector	20,609	$1.402M	0.1%	$51.48	—	COM	81369y100
XLU	SPDR Utilities Select	20,127	$1.319M	0.1%	$59.38	—	COM	81369Y886
VMC	Vulcan Materials	8,342	$1.316M	0.1%	$47.19	+235.2%	COM	929160109
IWF	iShares TR Russell 1000 Growth	6,127	$1.289M	0.1%	$169.26	—	COM	464287614
NVDA	Nvidia Corp	10,478	$1.272M	0.1%	$17.56	-10.1%	COM	67066G104
TPR	Tapestry, Inc.	43,893	$1.248M	0.1%	$31.73	-4.3%	COM	876030107
IWD	iShares Russell Value Index	9,155	$1.245M	0.1%	$120.07	—	COM	464287598
—	3M Company	11,111	$1.228M	0.1%	$117.39	—	COM	88579y101
GIS	General Mills Inc.	14,315	$1.097M	0.1%	$35.08	+93.2%	COM	370334104
OTIS	Otis Worldwide Corp.	16,344	$1.043M	0.1%	$47.48	+45.9%	COM	68902V107
SPYV	SPDR S&P 500 Value ETF	29,025	$1.001M	0.1%	$37.91	—	COM	78464A508
SHEL	Shell PLC	20,013	$996K	0.1%	$54.92	—	COM	780259305
—	Target Corporation	6,695	$993K	0.1%	$147.06	—	COM	87612e106
AXP	American Express Co.	7,211	$973K	0.1%	$73.21	+98.0%	COM	025816109
PENN	Penn National Gaming	34,073	$937K	0.1%	$58.84	-45.1%	COM	707569109
DHR	Danaher Corp.	3,614	$933K	0.1%	$96.98	+148.2%	COM	235851102
—	KKR & Co., Inc. Cl A	21,600	$929K	0.1%	$24.83	—	COM	48251w104
ALL	AllState Corp.	7,295	$908K	0.1%	$44.78	+155.9%	COM	020002101
LHX	L3Harris Technologies, Inc	4,292	$892K	0.1%	$182.62	+17.5%	COM	502431109
PSX	Phillips 66	10,871	$877K	0.1%	$64.16	+17.5%	COM	718546104
EFA	iShares MSCI EAFE Index Fund	14,891	$834K	0.1%	$65.58	—	COM	464287465
TJX	TJX Companies, Inc.	13,195	$820K	0.1%	$36.28	+65.1%	COM	872540109
BRK/A	Berkshire Hathaway 'A'	2	$813K	0.1%	$177346.64	+141.4%	COM	084670108
—	SPDR S&P Dividend ETF	7,200	$803K	0.1%	$118.06	—	COM	78464a763
EPP	iShares MSCI Pacific Rim	21,323	$800K	0.1%	$43.16	—	COM	464286665
TRC	Tejon Ranch Co.	52,000	$749K	0.1%	$18.61	-14.8%	COM	879080109
IRM	Iron Mountain, Inc.	16,923	$744K	0.1%	$36.50	+21.9%	COM	46284V101
VV	Vanguard Large-Cap Exchanged T	4,536	$742K	0.1%	$92.52	—	COM	922908637
IWB	iShares Russell 1000 Index ETF	3,757	$741K	0.1%	$111.56	—	COM	464287622
—	NextEra Energy, Inc.	9,249	$725K	0.1%	$91.40	—	COM	65339f101
APA	APA Corporation	20,050	$686K	0.1%	$23.59	+34.9%	COM	03743Q108
TSLA	Tesla, Inc.	2,574	$683K	0.1%	$241.67	+15.6%	COM	88160R101
NSC	Norfolk Southern Corp.	3,236	$679K	0.1%	$100.99	+120.7%	COM	655844108
VB	Vanguard Small-Cap VIPERs	3,870	$661K	0.1%	$109.33	—	COM	922908751
—	ConocoPhillips	6,366	$651K	0.1%	$54.78	—	COM	20825c104
DRI	Darden Restaurants, Inc.	4,889	$618K	0.1%	$35.03	+220.3%	COM	237194105
—	Novartis AG	8,013	$609K	0.1%	$75.47	—	COM	66987v109
AIG	American Int'l Group	12,360	$587K	0.1%	$42.66	+14.0%	COM	026874784
OC	Owens Corning	7,410	$582K	0.1%	$46.47	+80.9%	COM	690742101
RHHBY	Roche Holdings	13,368	$549K	0.1%	$46.79	—	COM	771195104
TSCO	Tractor Supply Co	2,934	$545K	0.1%	$36.53	+0.4%	COM	892356106
WBD	Warner Bros. Discovery	46,684	$537K	0.1%	$18.07	-24.8%	COM	934423104
IJH	iShares Core S&P MidCap ETF	2,385	$523K	0.1%	$186.64	—	COM	464287507
VO	Vanguard Mid-Cap Exchange Trad	2,747	$516K	0.1%	$128.39	—	COM	922908629
MS	Morgan Stanley	6,475	$512K	0.1%	$20.23	+272.0%	COM	617446448
EW	Edwards Lifesciences Corp	5,845	$483K	0.1%	$74.24	+29.6%	COM	28176E108
UNH	UnitedHealth Group	919	$464K	0.0%	$359.38	+37.8%	COM	91324P102
IWR	iShares Russell Mid-Cap Index	7,200	$447K	0.0%	$67.42	—	COM	464287499
AZO	AutoZone	208	$446K	0.0%	$1057.54	+106.0%	COM	053332102
—	Zimmer Biomet Holdings, Inc.	3,781	$395K	0.0%	$104.69	—	COM	98956p102
—	TE Connectivity Ltd	3,546	$391K	0.0%	$60.69	—	COM	H84989104
DVY	iShares DJ Select Dividend Ind	3,645	$391K	0.0%	$114.10	—	COM	464287168
FOXA	Fox Corp. Cl A	12,686	$389K	0.0%	$35.41	-8.6%	COM	35137L105
—	Adams Diversified Equity Fund,	25,000	$364K	0.0%	$12.60	—	COM	006212104
COST	Costco Wholesale	746	$352K	0.0%	$311.33	+60.0%	COM	22160K105
SO	Southern Co.	5,161	$351K	0.0%	$45.52	+47.1%	COM	842587107
CI	CIGNA Corp.	1,259	$349K	0.0%	$144.40	+83.4%	COM	125523100
—	Marathon Petroleum Corp.	3,458	$344K	0.0%	$62.74	—	COM	56585a102
AAL	American Airlines Grp	28,207	$340K	0.0%	$35.76	-61.0%	COM	02376R102
TM	Toyota Motor Corp.	2,500	$326K	0.0%	$120.00	—	COM	892331307
KHC	Kraft Heinz Company	9,735	$325K	0.0%	$46.43	-32.2%	COM	500754106
VBK	Vanguard Small-Cap Growth ETF	1,591	$310K	0.0%	$157.01	—	COM	922908595
—	Truxton Corp.	4,880	$308K	0.0%	$61.07	—	COM	89845y107
NOC	Northrop Grumman	629	$296K	0.0%	$337.63	+33.5%	COM	666807102
VTI	Vanguard Index Total Stock Fun	1,627	$292K	0.0%	$160.46	—	COM	922908769
—	HealthStream Inc.	13,600	$289K	0.0%	$25.29	—	COM	42222n103
TDY	Teledyne Technologies Inc.	847	$286K	0.0%	$226.53	+68.5%	COM	879360105
MA	MasterCard Inc.	1,002	$285K	0.0%	$362.28	-10.2%	COM	57636Q104
IVV	iShares S&P 500 Core Index ETF	783	$281K	0.0%	$317.04	—	COM	464287200
—	Valero Energy Corp.	2,607	$279K	0.0%	$72.09	—	COM	91913y100
IWM	Russell 2000 Index Fund	1,682	$277K	0.0%	$195.84	—	COM	464287655
SJM	J M Smucker Company	1,985	$273K	0.0%	$100.50	+20.6%	COM	832696405
VNQ	Vanguard REIT ETF	3,331	$267K	0.0%	$91.64	—	COM	922908553
NSRGY	Nestle SA Sponsored Reg	2,478	$267K	0.0%	$75.45	—	COM	641069406
AMAT	Applied Materials Inc.	2,743	$225K	0.0%	$111.07	-15.8%	COM	038222105
VXF	Vanguard Index Extended Market	1,725	$219K	0.0%	$90.45	—	COM	922908652
VIG	Vanguard Dividend Appreciation	1,600	$216K	0.0%	$161.88	—	COM	921908844
FOX	Fox Corp. Cl B	7,528	$215K	0.0%	$34.51	-13.5%	COM	35137L204
CRM	Salesforce.com, Inc.	1,471	$212K	0.0%	$212.63	-21.2%	COM	79466L302
PAAS	Pan American Silver	12,000	$191K	0.0%	$23.31	-25.3%	COM	697900108
AGI	Alamos Gold Cl A	22,000	$163K	0.0%	$8.08	-10.3%	COM	011532108
—	American Healthcare REIT Cl I	15,922	$148K	0.0%	$9.23	—	COM	398182204
SXC	SunCoke Energy	25,000	$145K	0.0%	$9.20	-27.0%	COM	86722A103
VTRS	Viatris, Inc.	14,909	$127K	0.0%	$13.04	-35.4%	COM	92556V106
KGC	Kinross Gold Corp	21,466	$81,000	0.0%	$4.84	-29.7%	COM	496902404
DUFRY	Dufry AG ADR	10,000	$29,000	0.0%	$3.20	—	COM	26433T108
NWBO	Northwest Biotherapeutics, Inc	20,000	$14,000	0.0%	$0.20	+247.7%	COM	66737P600
—	Provectus Biophamaceuticals	50,000	$2,000	0.0%	$0.04	—	COM	74373p108
—	Provision Holding, Inc. Com	221,450	$0	0.0%	$0.00	—	COM	744121104
—	Energold Drilling Corp	10,000	$0	0.0%	—	—	COM	29268a103