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        <Form1120POLFiledInd>false</Form1120POLFiledInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>false</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>true</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>CT</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <PersonsWithBooksName>
          <BusinessNameLine1Txt>Torrington Savings Bank Trust Dept</BusinessNameLine1Txt>
        </PersonsWithBooksName>
        <PhoneNum>8604962152</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>PO BOX 478</AddressLine1Txt>
          <CityNm>TORRINGTON</CityNm>
          <StateAbbreviationCd>CT</StateAbbreviationCd>
          <ZIPCd>06790</ZIPCd>
        </LocationOfBooksUSAddress>
        <NECTFilingInLieuOFForm1041Ind>X</NECTFilingInLieuOFForm1041Ind>
        <ForeignAccountsQuestionInd>false</ForeignAccountsQuestionInd>
      </StatementsRegardingActyGrp>
      <StatementsRegardingActy4720Grp>
        <SaleOrExchDisqualifiedPrsnInd>false</SaleOrExchDisqualifiedPrsnInd>
        <BrrwOrLendDisqualifiedPrsnInd>false</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>false</FurnGoodsDisqualifiedPrsnInd>
        <PayCompDisqualifiedPrsnInd>true</PayCompDisqualifiedPrsnInd>
        <TransferAstDisqualifiedPrsnInd>false</TransferAstDisqualifiedPrsnInd>
        <PaymentToGovernmentOfficialInd>false</PaymentToGovernmentOfficialInd>
        <ActsFailToQlfyAsExceptionsInd>false</ActsFailToQlfyAsExceptionsInd>
        <UncorrectedPriorActsInd>false</UncorrectedPriorActsInd>
        <UndistributedIncomePYInd>false</UndistributedIncomePYInd>
        <BusinessHoldingsInd>false</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>false</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>false</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>false</InfluenceLegislationInd>
        <InfluenceElectionInd>false</InfluenceElectionInd>
        <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <BusinessName>
            <BusinessNameLine1Txt>Torrington Savings Bank</BusinessNameLine1Txt>
          </BusinessName>
          <USAddress>
            <AddressLine1Txt>PO Box 478</AddressLine1Txt>
            <CityNm>Torrington</CityNm>
            <StateAbbreviationCd>CT</StateAbbreviationCd>
            <ZIPCd>06790</ZIPCd>
          </USAddress>
          <TitleTxt>Trustee</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>47975</CompensationAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <OtherEmployeePaidOver50kCnt>0</OtherEmployeePaidOver50kCnt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
        <ContractorPaidOver50kCnt>0</ContractorPaidOver50kCnt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SummaryOfDirectChrtblActyGrp />
      <SumOfProgramRelatedInvstGrp />
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        <AverageMonthlyFMVOfSecAmt>5969838</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>388535</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>6358373</TotalFMVOfUnusedAssetsAmt>
        <ReductionClaimedAmt>0</ReductionClaimedAmt>
        <AcquisitionIndebtednessAmt>0</AcquisitionIndebtednessAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>6358373</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>95376</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>6262997</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>313150</MinimumInvestmentReturnAmt>
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        <MinimumInvestmentReturnAmt>313150</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>5868</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>5868</TotalTaxAmt>
        <DistributableBeforeAdjAmt>307282</DistributableBeforeAdjAmt>
        <RecoveriesQualfiedDistriAmt>0</RecoveriesQualfiedDistriAmt>
        <DistributableBeforeDedAmt>307282</DistributableBeforeDedAmt>
        <DeductionFromDistributableAmt>0</DeductionFromDistributableAmt>
        <DistributableAsAdjustedAmt>307282</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>308298</ExpensesAndContributionsAmt>
        <ProgramRelatedInvstTotalAmt>0</ProgramRelatedInvstTotalAmt>
        <CharitableAssetsAcquisPaidAmt>0</CharitableAssetsAcquisPaidAmt>
        <SetAsideSuitabilityTestAmt>0</SetAsideSuitabilityTestAmt>
        <SetAsideCashDistriTestAmt>0</SetAsideCashDistriTestAmt>
        <QualifyingDistributionsAmt>308298</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>307282</DistributableAsAdjustedAmt>
        <UndistributedIncomePYAmt>0</UndistributedIncomePYAmt>
        <TotalForPriorYearsAmt>0</TotalForPriorYearsAmt>
        <ExcessDistributionCyovYr5Amt>31353</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>15364</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr3Amt>29343</ExcessDistributionCyovYr3Amt>
        <ExcessDistributionCyovYr2Amt>0</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>68214</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>144274</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>308298</QualifyingDistributionsAmt>
        <AppliedToYear1Amt>0</AppliedToYear1Amt>
        <AppliedToPriorYearsAmt>0</AppliedToPriorYearsAmt>
        <TreatedAsDistriFromCorpusAmt>0</TreatedAsDistriFromCorpusAmt>
        <AppliedToCurrentYearAmt>307282</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>1016</RemainingDistriFromCorpusAmt>
        <ExcessDistriCyovAppCYCorpusAmt>0</ExcessDistriCyovAppCYCorpusAmt>
        <ExcessDistributionCyovAppCYAmt>0</ExcessDistributionCyovAppCYAmt>
        <TotalCorpusAmt>145290</TotalCorpusAmt>
        <PriorYearUndistributedIncmAmt>0</PriorYearUndistributedIncmAmt>
        <PriorYearDeficiencyOrTaxAmt>0</PriorYearDeficiencyOrTaxAmt>
        <Taxable1Amt>0</Taxable1Amt>
        <Taxable2Amt>0</Taxable2Amt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <CorpusDistri170b1EOr4942g3Amt>0</CorpusDistri170b1EOr4942g3Amt>
        <ExcessDistriCyovFromYr5Amt>31353</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>113937</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear4Amt>15364</ExcessFromYear4Amt>
        <ExcessFromYear3Amt>29343</ExcessFromYear3Amt>
        <ExcessFromYear2Amt>0</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>68214</ExcessFromYear1Amt>
        <ExcessFromCurrentYearAmt>1016</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
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            <BusinessNameLine2Txt>COMPTROLLERS OFFICE</BusinessNameLine2Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>140 MAIN STREET</AddressLine1Txt>
            <CityNm>TORRINGTON</CityNm>
            <StateAbbreviationCd>CT</StateAbbreviationCd>
            <ZIPCd>06790</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>GOVERNMENT</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>SUPPORT</GrantOrContributionPurposeTxt>
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        </GrantOrContributionPdDurYrGrp>
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        <FeesContractsFromGovtAgGrp />
        <MembershipDuesAndAssmntGrp />
        <IntOnSavAndTempCashInvstGrp />
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        </DividendsAndInterestFromSecDtl>
        <NetRntlIncmReDebtFincdPropGrp />
        <NetRntlIncmReNotDebtFincdProp />
        <NetRentalIncomePersonalPropGrp />
        <OtherInvestmentIncomeGrp />
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>18</ExclusionCd>
          <ExclusionAmt>312513</ExclusionAmt>
        </GainSalesAstOthThanInvntryGrp>
        <NetIncomeLossFromSpecialEvtGrp />
        <GrossProfitLossSlsOfInvntryGrp />
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>480339</ExclusionAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>480339</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <RlnOfActyToAccomOfExmptPrpsGrp />
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="AccountingFeesSchedule">
      <AccountingFeesDetail>
        <CategoryTxt>TAX PREPARATION FEE (NON-ALLOC</CategoryTxt>
        <Amt>420</Amt>
        <NetInvestmentIncomeAmt>210</NetInvestmentIncomeAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <InvestmentsCorpBondsSchedule documentId="InvestmentsCorpBondsSchedule">
      <InvestmentsCorporateBondsGrp>
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      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>AT&amp;T INC 3.55% 6/1/24</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>BANK AMERICA CORP 4.20% 8/26/2</BondNm>
        <EOYBookValueAmt>77729</EOYBookValueAmt>
        <EOYFMVAmt>74294</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>NORTHERN STATES POWER 2.6% 5/1</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>TOYOTA MOTOR CREDIT 2.9% 4/17/</BondNm>
        <EOYBookValueAmt>53877</EOYBookValueAmt>
        <EOYFMVAmt>49625</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>MCDONALD'S CORP 3.25% 6/10/24</BondNm>
        <EOYBookValueAmt>53996</EOYBookValueAmt>
        <EOYFMVAmt>49494</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>MARATHON PETROLEUM 3.625% 9/15</BondNm>
        <EOYBookValueAmt>54669</EOYBookValueAmt>
        <EOYFMVAmt>49213</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>LABORATORY CORP OF AMER 3.6%2/</BondNm>
        <EOYBookValueAmt>55244</EOYBookValueAmt>
        <EOYFMVAmt>49149</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>PROCTOR &amp; GAMBLE 2.7% 2/2/26</BondNm>
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        <EOYFMVAmt>48321</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>MORGAN STANLEY 3.125% 7/27/26</BondNm>
        <EOYBookValueAmt>55544</EOYBookValueAmt>
        <EOYFMVAmt>47893</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>KEYCORP 2.25% 4/6/27</BondNm>
        <EOYBookValueAmt>80126</EOYBookValueAmt>
        <EOYFMVAmt>67582</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>BURLINGTON NORTHERN 3.25% 6/15</BondNm>
        <EOYBookValueAmt>82725</EOYBookValueAmt>
        <EOYFMVAmt>72340</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ORACLE CORP 3.25% 11/15/27</BondNm>
        <EOYBookValueAmt>27480</EOYBookValueAmt>
        <EOYFMVAmt>23758</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>DISNEY WALT CO 2.2% 1/13/28</BondNm>
        <EOYBookValueAmt>79605</EOYBookValueAmt>
        <EOYFMVAmt>69440</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>PIEDMONT NATURAL GAS 3.5% 6/1/</BondNm>
        <EOYBookValueAmt>55314</EOYBookValueAmt>
        <EOYFMVAmt>46673</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>PFIZER INC 3% 6/15/23</BondNm>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>GOLDMAN SACHS 3.2% 4/5/24</BondNm>
        <EOYBookValueAmt>25000</EOYBookValueAmt>
        <EOYFMVAmt>24821</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>AUTO DATA PROC 3.375% 9/15/25</BondNm>
        <EOYBookValueAmt>50598</EOYBookValueAmt>
        <EOYFMVAmt>49000</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ROPER TECH INC 3.8% 12/15/26</BondNm>
        <EOYBookValueAmt>50622</EOYBookValueAmt>
        <EOYFMVAmt>48904</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>TD BANK 3% 3/31/27</BondNm>
        <EOYBookValueAmt>35000</EOYBookValueAmt>
        <EOYFMVAmt>32048</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>CITIGROUP INC 6% 10/20/27</BondNm>
        <EOYBookValueAmt>75000</EOYBookValueAmt>
        <EOYFMVAmt>74401</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ANHEUSER-BUSCH 4% 4/13/28</BondNm>
        <EOYBookValueAmt>50155</EOYBookValueAmt>
        <EOYFMVAmt>49419</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>CLOROX CO 4.4% 5/1/29</BondNm>
        <EOYBookValueAmt>50875</EOYBookValueAmt>
        <EOYFMVAmt>49545</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>AMPHENOL CORP 4.35% 06/01/29</BondNm>
        <EOYBookValueAmt>47241</EOYBookValueAmt>
        <EOYFMVAmt>49886</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>BLACKROCK INC 4.75% 5/25/33</BondNm>
        <EOYBookValueAmt>48516</EOYBookValueAmt>
        <EOYFMVAmt>50527</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
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        <EOYBookValueAmt>25000</EOYBookValueAmt>
        <EOYFMVAmt>25106</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ELI LILLY &amp; CO 5% 2/27/26</BondNm>
        <EOYBookValueAmt>49958</EOYBookValueAmt>
        <EOYFMVAmt>50022</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>ORACLE CORP 4.5% 5/6/28</BondNm>
        <EOYBookValueAmt>49934</EOYBookValueAmt>
        <EOYFMVAmt>50041</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="InvestmentsCorpStockSchedule">
      <InvestmentsCorporateStockGrp>
        <StockNm>002824100 ABBOTT LABS</StockNm>
        <EOYBookValueAmt>22109</EOYBookValueAmt>
        <EOYFMVAmt>77049</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>00287Y109 ABBVIE INC</StockNm>
        <EOYBookValueAmt>21407</EOYBookValueAmt>
        <EOYFMVAmt>96856</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>G1151C101 ACCENTURE PLC</StockNm>
        <EOYBookValueAmt>97527</EOYBookValueAmt>
        <EOYFMVAmt>263183</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>02079K107 ALPHABET INC CAP STK</StockNm>
        <EOYBookValueAmt>10723</EOYBookValueAmt>
        <EOYFMVAmt>126837</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>02079K305 ALPHABET INC CL A</StockNm>
        <EOYBookValueAmt>11440</EOYBookValueAmt>
        <EOYFMVAmt>134102</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>037833100 APPLE COMPUTER INC</StockNm>
        <EOYBookValueAmt>12620</EOYBookValueAmt>
        <EOYFMVAmt>308048</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>09247X101 BLACKROCK INC</StockNm>
        <EOYBookValueAmt>51937</EOYBookValueAmt>
        <EOYFMVAmt>121770</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>110122108 BRISTOL MYERS SQUIBB</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>166764100 CHEVRON CORPORATION</StockNm>
        <EOYBookValueAmt>74563</EOYBookValueAmt>
        <EOYFMVAmt>149160</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>126650100 CVS HEALTH CORPORATI</StockNm>
        <EOYBookValueAmt>38298</EOYBookValueAmt>
        <EOYFMVAmt>102648</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>30231G102 EXXON MOBIL CORP</StockNm>
        <EOYBookValueAmt>41809</EOYBookValueAmt>
        <EOYFMVAmt>69986</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>437076102 HOME DEPOT INC</StockNm>
        <EOYBookValueAmt>61078</EOYBookValueAmt>
        <EOYFMVAmt>138620</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>452308109 ILLINOIS TOOL WORKS</StockNm>
        <EOYBookValueAmt>93961</EOYBookValueAmt>
        <EOYFMVAmt>183358</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>458140100 INTEL CORP</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>46625H100 J P MORGAN CHASE &amp; C</StockNm>
        <EOYBookValueAmt>46044</EOYBookValueAmt>
        <EOYFMVAmt>204120</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>478160104 JOHNSON &amp; JOHNSON</StockNm>
        <EOYBookValueAmt>62796</EOYBookValueAmt>
        <EOYFMVAmt>172414</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>580135101 MCDONALDS CORP</StockNm>
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        <EOYFMVAmt>207557</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>594918104 MICROSOFT CORP</StockNm>
        <EOYBookValueAmt>27347</EOYBookValueAmt>
        <EOYFMVAmt>338436</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>65339F101 NEXTERA ENERGY, INC.</StockNm>
        <EOYBookValueAmt>31900</EOYBookValueAmt>
        <EOYFMVAmt>151850</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>713448108 PEPSICO INC</StockNm>
        <EOYBookValueAmt>71233</EOYBookValueAmt>
        <EOYFMVAmt>186824</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>717081103 PFIZER INC</StockNm>
        <EOYBookValueAmt>40597</EOYBookValueAmt>
        <EOYFMVAmt>51822</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>693475105 PNC FINANCIAL SERVIC</StockNm>
        <EOYBookValueAmt>34284</EOYBookValueAmt>
        <EOYFMVAmt>92910</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>863667101 STRYKER CORP</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>872540109 TJX COMPANIES INC</StockNm>
        <EOYBookValueAmt>19668</EOYBookValueAmt>
        <EOYFMVAmt>178239</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>891160509 TORONTO-DOMINION BAN</StockNm>
        <EOYBookValueAmt>93509</EOYBookValueAmt>
        <EOYFMVAmt>161550</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>T-MOBILE US INC</StockNm>
        <EOYBookValueAmt>25941</EOYBookValueAmt>
        <EOYFMVAmt>32066</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>COSTCO WHOLESALE CORP</StockNm>
        <EOYBookValueAmt>71553</EOYBookValueAmt>
        <EOYFMVAmt>132016</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>RAYTHEON TECHNOLOGIES CORP</StockNm>
        <EOYBookValueAmt>39738</EOYBookValueAmt>
        <EOYFMVAmt>92554</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>NXP SEMICONDUCTORS NV</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>TRANE TECHNOLOGIES PLC</StockNm>
        <EOYBookValueAmt>35499</EOYBookValueAmt>
        <EOYFMVAmt>58536</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SALESFORCE.COM INC</StockNm>
        <EOYBookValueAmt>44455</EOYBookValueAmt>
        <EOYFMVAmt>52628</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>CROWDSTRIKE HOLDINGS INC</StockNm>
        <EOYBookValueAmt>40512</EOYBookValueAmt>
        <EOYFMVAmt>51064</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BROADCOM INC</StockNm>
        <EOYBookValueAmt>44148</EOYBookValueAmt>
        <EOYFMVAmt>111625</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>XYLEM INC</StockNm>
        <EOYBookValueAmt>10152</EOYBookValueAmt>
        <EOYFMVAmt>11436</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>DANAHER CORPORATION</StockNm>
        <EOYBookValueAmt>53177</EOYBookValueAmt>
        <EOYFMVAmt>57835</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>OMNICOM GROUP INC</StockNm>
        <EOYBookValueAmt>46915</EOYBookValueAmt>
        <EOYFMVAmt>60557</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WALT DISNEY COMPANY</StockNm>
        <EOYBookValueAmt>27274</EOYBookValueAmt>
        <EOYFMVAmt>18058</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CRACKER BARREL OLD COUNTRY STO</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>STARBUCKS CORPORATION</StockNm>
        <EOYBookValueAmt>26944</EOYBookValueAmt>
        <EOYFMVAmt>28803</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>TRACTOR SUPPLY CO</StockNm>
        <EOYBookValueAmt>39936</EOYBookValueAmt>
        <EOYFMVAmt>43006</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>BLACKSTONE INC</StockNm>
        <EOYBookValueAmt>44649</EOYBookValueAmt>
        <EOYFMVAmt>52368</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>GXO LOGISTICS INC</StockNm>
        <EOYBookValueAmt>8641</EOYBookValueAmt>
        <EOYFMVAmt>12232</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>HONEYWELL INT'L INC</StockNm>
        <EOYBookValueAmt>87245</EOYBookValueAmt>
        <EOYFMVAmt>104855</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>XPO LOGISTICS INC</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SHERWIN-WILLIAMS CO</StockNm>
        <EOYBookValueAmt>44954</EOYBookValueAmt>
        <EOYFMVAmt>62380</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SPIRIT REALTY CAPITAL INC REIT</StockNm>
        <EOYBookValueAmt>31626</EOYBookValueAmt>
        <EOYFMVAmt>34952</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SERVICE CORP INTERNATIONAL</StockNm>
        <EOYBookValueAmt>33674</EOYBookValueAmt>
        <EOYFMVAmt>34225</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>ELI LILLY &amp; CO</StockNm>
        <EOYBookValueAmt>31130</EOYBookValueAmt>
        <EOYFMVAmt>58292</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>STRYKER CORPORATION</StockNm>
        <EOYBookValueAmt>61001</EOYBookValueAmt>
        <EOYFMVAmt>149730</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>WASTE MANAGEMENT INC</StockNm>
        <EOYBookValueAmt>30074</EOYBookValueAmt>
        <EOYFMVAmt>35820</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>INTERNATIONAL BUSINESS MACHINE</StockNm>
        <EOYBookValueAmt>32018</EOYBookValueAmt>
        <EOYFMVAmt>40888</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>PROLOGIS REIT</StockNm>
        <EOYBookValueAmt>12744</EOYBookValueAmt>
        <EOYFMVAmt>13330</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>*SALES</StockNm>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsGovtObligationsSch documentId="InvestmentsGovtObligationsSch">
      <USGovtObligationsBookVlEOYAmt>74988</USGovtObligationsBookVlEOYAmt>
      <USGovtObligationsEOYFMVAmt>75014</USGovtObligationsEOYFMVAmt>
    </InvestmentsGovtObligationsSch>
    <InvestmentsOtherSchedule2 documentId="InvestmentsOtherSchedule2">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>92204A801 VANGUARD MATERIALS E</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>38177</BookValueAmt>
        <EOYFMVAmt>113964</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>EAGLEBANK CD 5% 6/9/25</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>25000</BookValueAmt>
        <EOYFMVAmt>25007</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>CLAREMONT SVGS BANK CD 5.05% 7</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>50000</BookValueAmt>
        <EOYFMVAmt>50090</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>PRIMEBANK CD 5.2% 10/24/25</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>25000</BookValueAmt>
        <EOYFMVAmt>25154</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>CHARTWAY CU CD 5% 8/11/27</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>25000</BookValueAmt>
        <EOYFMVAmt>25182</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <LegalFeesSchedule documentId="LegalFeesSchedule">
      <LegalFeesGrp>
        <CategoryTxt>LEGAL FEES - PRINCIPAL (ALLOCA</CategoryTxt>
        <LegalFeesAmt>2866</LegalFeesAmt>
        <NetInvestmentIncomeAmt>2866</NetInvestmentIncomeAmt>
      </LegalFeesGrp>
    </LegalFeesSchedule>
    <OtherDecreasesSchedule documentId="OtherDecreasesSchedule">
      <OtherDecreasesDetail>
        <Desc>(2023 INCOME POSTED IN 2024)</Desc>
        <Amt>2033</Amt>
      </OtherDecreasesDetail>
    </OtherDecreasesSchedule>
    <OtherIncreasesSchedule documentId="OtherIncreasesSchedule">
      <OtherIncreasesDetail>
        <Desc>2022 INCOME POSTED IN 2023</Desc>
        <Amt>2099</Amt>
      </OtherIncreasesDetail>
      <OtherIncreasesDetail>
        <Desc>ADJUSTMENT</Desc>
        <Amt>0</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <TaxesSchedule documentId="TaxesSchedule">
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES</CategoryTxt>
        <Amt>2909</Amt>
        <NetInvestmentIncomeAmt>2909</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FEDERAL TAX PAYMENT - PRIOR YE</CategoryTxt>
        <Amt>2368</Amt>
        <NetInvestmentIncomeAmt>2368</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FEDERAL ESTIMATES - PRINCIPAL</CategoryTxt>
        <Amt>7500</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>