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 Company COM 88579Y101 1,238 7,141 SH   SOLE NONE 7,141 0 0
AES Corporation COM 00130H105 381 22,751 SH   SOLE NONE 22,751 0 0
AT&T Inc. COM 00206R102 2,228 66,488 SH   SOLE NONE 66,488 0 0
Adidas Salomon AG ADR COM 00687A107 210 1,360 SH   SOLE NONE 1,360 0 0
Adobe Systems Inc. COM 00724F101 1,878 6,375 SH   SOLE NONE 6,375 0 0
Alcon, Inc. COM H01301102 798 12,863 SH   SOLE NONE 12,863 0 0
Alibaba Group Hldg Ltd Spon AD COM 01609W102 1,638 9,665 SH   SOLE NONE 9,665 0 0
Allstate Corporation COM 020002101 264 2,596 SH   SOLE NONE 2,596 0 0
Alphabet Inc. Class A COM 02079K305 2,373 2,192 SH   SOLE NONE 2,192 0 0
Alphabet Inc. Class C COM 02079K107 8,931 8,263 SH   SOLE NONE 8,263 0 0
Altria Group Inc COM 02209S103 232 4,906 SH   SOLE NONE 4,906 0 0
Amazon.com Inc. COM 023135106 20,296 10,718 SH   SOLE NONE 10,718 0 0
American Express Co. COM 025816109 1,279 10,365 SH   SOLE NONE 10,365 0 0
American Tower Corporation COM 03027X100 211 1,034 SH   SOLE NONE 1,034 0 0
Amgen Inc. COM 031162100 4,566 24,777 SH   SOLE NONE 24,777 0 0
Apple Inc. COM 037833100 10,756 54,347 SH   SOLE NONE 54,347 0 0
Archer Daniels Midland COM 039483102 10,671 261,534 SH   SOLE NONE 261,534 0 0
Australia & NZ Bank COM 052528304 348 17,528 SH   SOLE NONE 17,528 0 0
Autodesk Inc. COM 052769106 977 6,000 SH   SOLE NONE 6,000 0 0
Automatic Data Processing Inc. COM 053015103 215 1,300 SH   SOLE NONE 1,300 0 0
Avery Dennison Corp. COM 053611109 347 3,000 SH   SOLE NONE 3,000 0 0
BHP Billiton Limited COM 088606108 677 11,657 SH   SOLE NONE 11,657 0 0
Bank of America Corp COM 060505104 841 28,999 SH   SOLE NONE 28,999 0 0
Bank of New York Mellon Corp. COM 064058100 277 6,264 SH   SOLE NONE 6,264 0 0
Berkshire Hathaway CL B COM 084670702 282 1,325 SH   SOLE NONE 1,325 0 0
Biogen Inc. COM 09062X103 1,637 7,000 SH   SOLE NONE 7,000 0 0
Blackrock Inc. COM 09247X101 469 1,000 SH   SOLE NONE 1,000 0 0
Blackstone Group LP COM 09253U108 520 11,700 SH   SOLE NONE 11,700 0 0
Bristol-Myers Squibb Co. COM 110122108 583 12,849 SH   SOLE NONE 12,849 0 0
Broadcom Limited COM 11135F101 263 913 SH   SOLE NONE 913 0 0
CSX Corporation COM 126408103 1,114 14,400 SH   SOLE NONE 14,400 0 0
Carrizo Oil & Gas Inc. COM 144577103 239 23,825 SH   SOLE NONE 23,825 0 0
Caterpillar Inc COM 149123101 818 6,000 SH   SOLE NONE 6,000 0 0
Celgene Corp. COM 151020104 1,411 15,265 SH   SOLE NONE 15,265 0 0
CenturyLink COM 156700106 256 21,800 SH   SOLE NONE 21,800 0 0
Chevron Corp COM 166764100 4,981 40,029 SH   SOLE NONE 40,029 0 0
Church & Dwight Co., Inc, COM 171340102 3,809 52,136 SH   SOLE NONE 52,136 0 0
Cisco Systems Inc. COM 17275R102 1,756 32,092 SH   SOLE NONE 32,092 0 0
Cloudera Inc. COM 18914U100 198 37,563 SH   SOLE NONE 37,563 0 0
Coca-Cola Company COM 191216100 861 16,903 SH   SOLE NONE 16,903 0 0
Colgate-Palmolive Co COM 194162103 717 10,000 SH   SOLE NONE 10,000 0 0
Comcast cl A COM 20030N101 575 13,589 SH   SOLE NONE 13,589 0 0
Cree Inc. COM 225447101 467 8,308 SH   SOLE NONE 8,308 0 0
Cross Timbers Royalty COM 22757R109 129 10,200 SH   SOLE NONE 10,200 0 0
Cummins Inc. COM 231021106 857 5,000 SH   SOLE NONE 5,000 0 0
Duke Energy Corp COM 26441C204 515 5,838 SH   SOLE NONE 5,838 0 0
Eaton Corporation, plc COM G29183103 666 8,000 SH   SOLE NONE 8,000 0 0
Eli Lilly & Co. COM 532457108 2,731 24,650 SH   SOLE NONE 24,650 0 0
Emerson Electric Co. COM 291011104 1,005 15,070 SH   SOLE NONE 15,070 0 0
Energy Transfer LP COM 29273V100 1,863 132,313 SH   SOLE NONE 132,313 0 0
Ensco plc cl A COM 00BJVJZD6 610 71,458 SH   SOLE NONE 71,458 0 0
EverQuote, Inc. COM 30041R108 130 10,000 SH   SOLE NONE 10,000 0 0
Exxon Mobil Corporation COM 30231G102 1,540 20,102 SH   SOLE NONE 20,102 0 0
FedEx Corp COM 31428X106 552 3,365 SH   SOLE NONE 3,365 0 0
Fidelity National Info Srv COM 31620M106 984 8,018 SH   SOLE NONE 8,018 0 0
Fifth Third Bancorp COM 316773100 860 30,834 SH   SOLE NONE 30,834 0 0
Fortis Inc. COM 349553107 356 9,024 SH   SOLE NONE 9,024 0 0
Garrett Motion Inc. COM 366505105 277 18,069 SH   SOLE NONE 18,069 0 0
Generac Holdings Inc. COM 368736104 1,066 15,363 SH   SOLE NONE 15,363 0 0
Gentex Corporation COM 371901109 1,107 44,972 SH   SOLE NONE 44,972 0 0
Gilead Sciences Inc. COM 375558103 393 5,819 SH   SOLE NONE 5,819 0 0
Hershey Co. COM 427866108 2,681 20,000 SH   SOLE NONE 20,000 0 0
Honeywell Intl Inc COM 438516106 2,109 12,079 SH   SOLE NONE 12,079 0 0
IBM Corp COM 459200101 1,127 8,175 SH   SOLE NONE 8,175 0 0
Illinois Tool Works Inc. COM 452308109 262 1,740 SH   SOLE NONE 1,740 0 0
Illumina Inc COM 452327109 5,729 15,561 SH   SOLE NONE 15,561 0 0
Intel Corporation COM 458140100 317 6,632 SH   SOLE NONE 6,632 0 0
International Flavors&Frag. COM 459506101 2,698 18,594 SH   SOLE NONE 18,594 0 0
Intuit Inc. COM 461202103 391 1,498 SH   SOLE NONE 1,498 0 0
Invesco Ultra Short Duration E COM 46090a887 346 6,860 SH   SOLE NONE 6,860 0 0
JM Smucker Co. COM 832696405 5,402 46,892 SH   SOLE NONE 46,892 0 0
JPMorgan Chase & Co COM 46625H100 11,289 100,981 SH   SOLE NONE 100,981 0 0
Johnson & Johnson COM 478160104 5,692 40,862 SH   SOLE NONE 40,862 0 0
Johnson Controls, Inc. COM G51502105 259 6,267 SH   SOLE NONE 6,267 0 0
Kimberly-Clark Corp. COM 494368103 406 3,045 SH   SOLE NONE 3,045 0 0
L-3 Communications COM 502413107 205 835 SH   SOLE NONE 835 0 0
Laboratory Corp of America COM 50540R409 5,562 32,170 SH   SOLE NONE 32,170 0 0
Lockheed Martin Corp. COM 539830109 1,271 3,495 SH   SOLE NONE 3,495 0 0
Lowes Companies Inc. COM 548661107 9,847 97,582 SH   SOLE NONE 97,582 0 0
MDU Resources Group COM 552690109 202 7,839 SH   SOLE NONE 7,839 0 0
MPLX LP COM 55336V100 633 19,658 SH   SOLE NONE 19,658 0 0
Mastercard Inc. COM 57636Q104 491 1,855 SH   SOLE NONE 1,855 0 0
McDonald's Corp. COM 580135101 4,275 20,586 SH   SOLE NONE 20,586 0 0
Merchants Bancorp Indiana COM 58844R108 197 11,592 SH   SOLE NONE 11,592 0 0
Merck & Co. Inc. COM 58933Y105 1,381 16,468 SH   SOLE NONE 16,468 0 0
MetLife, Inc. COM 59156R108 298 6,000 SH   SOLE NONE 6,000 0 0
Microsoft Corporation COM 594918104 19,862 148,267 SH   SOLE NONE 148,267 0 0
NVIDIA Corp COM 67066G104 1,560 9,500 SH   SOLE NONE 9,500 0 0
Nektar Therapeutics COM 640268108 502 14,100 SH   SOLE NONE 14,100 0 0
Neogen Corporation COM 640491106 3,979 64,069 SH   SOLE NONE 64,069 0 0
Netflix Inc COM 64110L106 1,331 3,625 SH   SOLE NONE 3,625 0 0
Nike Inc Cl B COM 654106103 2,477 29,500 SH   SOLE NONE 29,500 0 0
Nokia Corp COM 654902204 3,016 602,065 SH   SOLE NONE 602,065 0 0
Norfolk Southern Corp COM 655844108 716 3,591 SH   SOLE NONE 3,591 0 0
Novartis AG COM 66987V109 6,490 71,081 SH   SOLE NONE 71,081 0 0
Novo-Nordisk A/S COM 670100205 2,192 42,940 SH   SOLE NONE 42,940 0 0
Nutrien Ltd. COM 67077M108 528 9,882 SH   SOLE NONE 9,882 0 0
Oracle Corporation COM 68389X105 8,016 140,700 SH   SOLE NONE 140,700 0 0
Palo Alto Networks, Inc. COM 697435105 410 2,010 SH   SOLE NONE 2,010 0 0
Paychex, Inc. COM 704326107 802 9,750 SH   SOLE NONE 9,750 0 0
PepsiCo, Inc. COM 713448108 5,827 44,436 SH   SOLE NONE 44,436 0 0
Pfizer Inc. COM 717081103 1,323 30,532 SH   SOLE NONE 30,532 0 0
Philip Morris Intl COM 718172109 3,275 41,705 SH   SOLE NONE 41,705 0 0
Procter & Gamble Co. COM 742718109 770 7,024 SH   SOLE NONE 7,024 0 0
Qualcomm Inc. COM 747525103 2,202 28,944 SH   SOLE NONE 28,944 0 0
Red Hat, Inc. COM 756577102 939 5,000 SH   SOLE NONE 5,000 0 0
Roche Holdings Ltd COM 771195104 1,592 45,362 SH   SOLE NONE 45,362 0 0
Royal Bank of Canada COM 780087102 6,774 85,314 SH   SOLE NONE 85,314 0 0
Royal Dutch Shell PLC ADR Cl A COM 780259206 707 10,863 SH   SOLE NONE 10,863 0 0
SPDR Gold Shares ETF COM 78463V107 498 3,735 SH   SOLE NONE 3,735 0 0
Sabine Royalty Trust COM 785688102 464 9,594 SH   SOLE NONE 9,594 0 0
Seattle Genetics, Inc. COM 812578102 796 11,500 SH   SOLE NONE 11,500 0 0
Splunk Inc. COM 848637104 1,069 8,500 SH   SOLE NONE 8,500 0 0
Square, Inc. CL A COM 852234103 1,929 26,600 SH   SOLE NONE 26,600 0 0
State Street Corp COM 857477103 572 10,210 SH   SOLE NONE 10,210 0 0
Super Micro Computer, Inc. COM 86800U104 1,813 93,696 SH   SOLE NONE 93,696 0 0
Symantec Corporation COM 871503108 218 10,000 SH   SOLE NONE 10,000 0 0
T Rowe Price Group Inc COM 74144T108 318 2,901 SH   SOLE NONE 2,901 0 0
Taiwan Semiconductor COM 874039100 7,555 192,887 SH   SOLE NONE 192,887 0 0
Tencent Hldgs Ltd ADR COM 88032Q109 3,695 81,636 SH   SOLE NONE 81,636 0 0
The Travelers Companies COM 89417E109 222 1,483 SH   SOLE NONE 1,483 0 0
Thermo Fisher Scientific, Inc. COM 883556102 294 1,000 SH   SOLE NONE 1,000 0 0
Twilio Inc. COM 90138F102 1,023 7,500 SH   SOLE NONE 7,500 0 0
U.S. Bancorp COM 902973304 1,053 20,090 SH   SOLE NONE 20,090 0 0
Union Pacific Corp. COM 907818108 4,111 24,310 SH   SOLE NONE 24,310 0 0
United Technologies Corp COM 913017109 277 2,127 SH   SOLE NONE 2,127 0 0
Urstadt Biddle Prop cl A COM 917286205 1,608 76,590 SH   SOLE NONE 76,590 0 0
Vanguard Financials ETF COM 92204A405 442 6,412 SH   SOLE NONE 6,412 0 0
Vanguard Mid-Cap ETF COM 922908629 222 1,328 SH   SOLE NONE 1,328 0 0
Vanguard Total Market ETF COM 922908769 1,094 7,289 SH   SOLE NONE 7,289 0 0
VISA Inc. Cl A COM 92826c839 347 2,000 SH   SOLE NONE 2,000 0 0
Verizon Communications, Inc. COM 92343V104 956 16,735 SH   SOLE NONE 16,735 0 0
Vodafone Group PLC ADS COM 92857W308 182 11,171 SH   SOLE NONE 11,171 0 0
W.P. Carey Inc. REIT COM 92936U109 446 5,500 SH   SOLE NONE 5,500 0 0
W.R. Berkley Corp COM 084423102 1,081 16,391 SH   SOLE NONE 16,391 0 0
W.W. Grainger Inc. COM 384802104 292 1,090 SH   SOLE NONE 1,090 0 0
Wal-Mart Stores, Inc. COM 931142103 6,200 56,115 SH   SOLE NONE 56,115 0 0
Walt Disney Company COM 254687106 2,515 18,007 SH   SOLE NONE 18,007 0 0
Wells Fargo & Co COM 949746101 441 9,330 SH   SOLE NONE 9,330 0 0
XPO Logistics, Inc. COM 983793100 725 12,545 SH   SOLE NONE 12,545 0 0
Xilinx Inc. COM 983919101 1,791 15,187 SH   SOLE NONE 15,187 0 0
Zimmer Biomet Holdings, Inc. COM 98956P102 595 5,056 SH   SOLE NONE 5,056 0 0
iShares 1-3 Year Treas Bond ET COM 464287457 462 5,450 SH   SOLE NONE 5,450 0 0
iShares Core S&P Mid-Cap ETF COM 464287507 286 1,470 SH   SOLE NONE 1,470 0 0
iShares MSCI China ETF COM 46429b671 297 5,000 SH   SOLE NONE 5,000 0 0
iShares MSCI Emerging Mkts COM 464287234 292 6,800 SH   SOLE NONE 6,800 0 0
iShares TIPS Bond ETF COM 464287176 372 3,218 SH   SOLE NONE 3,218 0 0
iShares MSCI EAFE ETF COM 464287465 332 5,050 SH   SOLE NONE 5,050 0 0
Franklin Income Fund Cl A COM 353496300 38 16,268 SH   SOLE NONE 16,268 0 0