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
Sanofi Aventis ADR ADR 80105N105 14 282 SH   SOLE   282 0 0
3M Company COMMON 88579Y101 97 557 SH   SOLE   557 0 0
A F L A C Inc. COMMON 001055102 84 1,881 SH   SOLE   1,881 0 0
Abbott Laboratories COMMON 002824100 1,801 16,451 SH   SOLE   16,451 0 0
AbbVie Inc. COMMON 00287Y109 867 8,096 SH   SOLE   8,096 0 0
Aberdeen Asia Pac Income Fd COMMON 003009107 178 40,073 SH   SOLE   40,073 0 0
Aberdeen Physical Swiss Gold ETF ETF 00326A104 7 400 SH   SOLE   400 0 0
ACNB Corporation COMMON 000868109 25 1,010 SH   SOLE   1,010 0 0
Activision Inc. COMMON 00507V109 565 6,086 SH   SOLE   6,086 0 0
Air Products & Chemicals Inc. COMMON 009158106 840 3,074 SH   SOLE   3,074 0 0
Airbnb Inc COMMON 009066101 33 225 SH   SOLE   225 0 0
Akoustis Technologies Inc COMMON 00973N102 0 25 SH   SOLE   25 0 0
Allegion Public Ltd Co COMMON G0176J109 23 200 SH   SOLE   200 0 0
Alliant Energy Corp COMMON 018802108 673 13,070 SH   SOLE   13,070 0 0
Allstate COMMON 020002101 157 1,426 SH   SOLE   1,426 0 0
Alphabet, Inc Cl C COMMON 02079K107 3,330 1,901 SH   SOLE   1,859 0 42
Alphabet, Inc. Cl A COMMON 02079K305 1,812 1,034 SH   SOLE   989 0 45
Altria Group Inc. COMMON 02209S103 19 464 SH   SOLE   464 0 0
Amarin Corp Plc New ADR ADR 023111206 11 2,325 SH   SOLE   2,325 0 0
Amazon.Com COMMON 023135106 1,146 352 SH   SOLE   348 0 4
Amc Networks Inc Cl A COMMON 00164V103 120 3,351 SH   SOLE   3,351 0 0
America Movil L ADR ADR 02364W105 76 5,240 SH   SOLE   5,240 0 0
American Express Company COMMON 025816109 339 2,801 SH   SOLE   2,801 0 0
American Tower REIT REIT 03027X100 11 47 SH   SOLE   47 0 0
Ameriprise Financial Inc. COMMON 03076C106 9 44 SH   SOLE   44 0 0
Amerisource Bergen Corp. COMMON 03073E105 34 350 SH   SOLE   350 0 0
Amgen Incorporated COMMON 031162100 218 949 SH   SOLE   949 0 0
Amkor Technology Inc COMMON 031652100 806 53,459 SH   SOLE   53,459 0 0
Analog Devices Inc. COMMON 032654105 14 96 SH   SOLE   96 0 0
Annaly Mortgage Mgmt REIT REIT 035710409 30 3,520 SH   SOLE   3,520 0 0
Anthem Inc COMMON 036752103 53 165 SH   SOLE   165 0 0
Apple Inc. COMMON 037833100 4,670 35,193 SH   SOLE   34,206 0 987
Aptiv PLC COMMON G6095L109 12 91 SH   SOLE   91 0 0
Archer-Daniels-Midland Inc. COMMON 039483102 167 3,320 SH   SOLE   2,428 0 892
ARK Next Generation Internet ETF ETF 00214Q401 26 175 SH   SOLE   175 0 0
Arrowhead Pharma Inc COMMON 04280A100 25 320 SH   SOLE   320 0 0
Astec Industries COMMON 046224101 440 7,600 SH   SOLE   7,600 0 0
AstraZeneca plc ADR ADR 046353108 1,206 24,121 SH   SOLE   24,121 0 0
AT&T Inc. COMMON 00206R102 2,597 90,300 SH   SOLE   89,540 0 760
Atlas Air Worldwide Hldg COMMON 049164205 156 2,854 SH   SOLE   2,854 0 0
Auto Data Processing COMMON 053015103 227 1,289 SH   SOLE   1,289 0 0
Baidu Inc ADR ADR 056752108 906 4,188 SH   SOLE   4,188 0 0
Ball Corp COMMON 058498106 66 712 SH   SOLE   712 0 0
Bank of America Corp COMMON 060505104 44 1,442 SH   SOLE   1,442 0 0
Bank of New York Mellon COMMON 064058100 105 2,471 SH   SOLE   2,471 0 0
Bar Harbor Bankshare COMMON 066849100 10 426 SH   SOLE   426 0 0
Baxter International COMMON 071813109 971 12,103 SH   SOLE   12,103 0 0
BCE Inc. COMMON 05534B760 261 6,109 SH   SOLE   5,406 0 703
Becton Dickinson & Co COMMON 075887109 139 554 SH   SOLE   554 0 0
Berkshire Hathaway Cl B COMMON 084670702 3,431 14,796 SH   SOLE   14,159 0 637
Beyond Meat Inc COMMON 08862E109 4 30 SH   SOLE   30 0 0
Biogen Idec Inc COMMON 09062X103 129 525 SH   SOLE   525 0 0
Black Rock Resources Tr COMMON 09257A108 9 1,163 SH   SOLE   1,163 0 0
Blackrock Inc COMMON 09247X101 47 65 SH   SOLE   65 0 0
Blkrck Muniyield Qlty Fd COMMON 09254F100 21 1,300 SH   SOLE   1,300 0 0
Boeing Co. COMMON 097023105 2,907 13,581 SH   SOLE   13,370 0 211
Booking Holdings Inc COMMON 09857L108 125 56 SH   SOLE   56 0 0
Borg Warner Inc COMMON 099724106 1,155 29,879 SH   SOLE   29,879 0 0
BP plc ADR ADR 055622104 58 2,808 SH   SOLE   2,808 0 0
Brighthouse Financial COMMON 10922N103 1 29 SH   SOLE   29 0 0
Bristol Myers COMMON 110122108 2,483 40,024 SH   SOLE   39,550 0 474
Broadridge Finl Solution COMMON 11133T103 107 700 SH   SOLE   700 0 0
Canadian Natl Ry Co COMMON 136375102 14 129 SH   SOLE   129 0 0
Capital One Financial COMMON 14040H105 37 377 SH   SOLE   377 0 0
CarMax Inc COMMON 143130102 55 584 SH   SOLE   584 0 0
Carrier Global Corp-Wi COMMON 14448C104 77 2,030 SH   SOLE   2,030 0 0
Caterpillar COMMON 149123101 1,922 10,559 SH   SOLE   10,559 0 0
CBRE Group Inc COMMON 12504L109 218 3,475 SH   SOLE   3,475 0 0
CDK Global Inc COMMON 12508E101 21 400 SH   SOLE   400 0 0
Cerner Corp COMMON 156782104 9 120 SH   SOLE   120 0 0
Charter Communications Inc COMMON 16119P108 400 604 SH   SOLE   604 0 0
Charter One Financial COMMON 125269100 10 250 SH   SOLE   250 0 0
Chemed Corp. COMMON 16359R103 2,541 4,770 SH   SOLE   4,770 0 0
Chevron Corp. COMMON 166764100 508 6,014 SH   SOLE   5,927 0 87
China Automotive Systems Inc COMMON 16936R105 140 22,440 SH   SOLE   22,440 0 0
Chubb Limited COMMON H1467J104 149 966 SH   SOLE   966 0 0
Cigna Corp COMMON 125523100 170 817 SH   SOLE   817 0 0
Cincinnati Financial Corp COMMON 172062101 34 390 SH   SOLE   390 0 0
Cisco Systems, Inc. COMMON 17275R102 3,638 81,303 SH   SOLE   79,340 0 1,963
Citigroup COMMON 172967424 426 6,913 SH   SOLE   6,913 0 0
CME Group Inc. COMMON 12572Q105 518 2,846 SH   SOLE   2,846 0 0
Coca-Cola Co COMMON 191216100 3,641 66,391 SH   SOLE   64,883 0 1,508
Colgate-Palmolive COMMON 194162103 156 1,824 SH   SOLE   1,824 0 0
Comcast Corp. COMMON 20030N101 100 1,912 SH   SOLE   1,912 0 0
Comerica Incorporated COMMON 200340107 112 2,000 SH   SOLE   2,000 0 0
Community Bank System COMMON 203607106 720 11,563 SH   SOLE   10,663 0 900
Conoco Phillips COMMON 20825C104 413 10,337 SH   SOLE   10,337 0 0
Consolidated Edison Inc. COMMON 209115104 133 1,843 SH   SOLE   1,843 0 0
Constellation Brand Cl Aclass A COMMON 21036P108 22 100 SH   SOLE   100 0 0
Core Laboratories N V COMMON N22717107 30 1,148 SH   SOLE   1,148 0 0
Corning COMMON 219350105 5,516 153,222 SH   SOLE   152,553 0 669
Corp Office Pptys REIT REIT 22002T108 9 343 SH   SOLE   343 0 0
Corteva Inc com COMMON 22052L104 28 733 SH   SOLE   733 0 0
Corvus Gold Inc COMMON 221013105 1 387 SH   SOLE   387 0 0
Costco COMMON 22160K105 4,371 11,602 SH   SOLE   11,325 0 277
CSX Corp COMMON 126408103 766 8,436 SH   SOLE   8,436 0 0
Cummins Inc COMMON 231021106 14 61 SH   SOLE   61 0 0
CVS Corp COMMON 126650100 1,132 16,575 SH   SOLE   16,333 0 242
D T E Energy Co. COMMON 233331107 8 62 SH   SOLE   62 0 0
Danaher Corp COMMON 235851102 33 150 SH   SOLE   150 0 0
Deep Value ETF ETF 26922A701 23 816 SH   SOLE   816 0 0
Deere & Company COMMON 244199105 942 3,500 SH   SOLE   3,500 0 0
Devon Energy Corp COMMON 25179M103 51 3,256 SH   SOLE   3,256 0 0
Diageo PLC ADR ADR 25243Q205 9 59 SH   SOLE   59 0 0
Dick's Sporting Goods Inc COMMON 253393102 0 8 SH   SOLE   8 0 0
Digital Realty Trust REIT RET 253868103 449 3,216 SH   SOLE   3,216 0 0
Dominion Resources COMMON 25746U109 773 10,282 SH   SOLE   8,420 0 1,862
Dover Corporation COMMON 260003108 63 500 SH   SOLE   500 0 0
Dow In COMMON 260557103 137 2,474 SH   SOLE   2,474 0 0
Dr Reddys Labs ADR ADR 256135203 514 7,210 SH   SOLE   7,210 0 0
Duke Energy Corp. COMMON 26441C204 2,437 26,617 SH   SOLE   26,308 0 309
E Bay Inc. COMMON 278642103 28 558 SH   SOLE   558 0 0
E I DuPont COMMON 26614N102 319 4,481 SH   SOLE   4,249 0 232
East West Bancorp COMMON 27579R104 841 16,577 SH   SOLE   16,577 0 0
Eastman Chemical Co. COMMON 277432100 20 200 SH   SOLE   200 0 0
Eaton Corp. COMMON G29183103 175 1,459 SH   SOLE   1,459 0 0
Ecofin Global Water ESG COMMON 56167N753 19 479 SH   SOLE   479 0 0
Ecolab Inc. COMMON 278865100 72 333 SH   SOLE   333 0 0
Edison International COMMON 281020107 7 104 SH   SOLE   104 0 0
Eli Lilly & Co. COMMON 532457108 849 5,028 SH   SOLE   5,028 0 0
Embraer S.A. COMMON 29082A107 51 7,490 SH   SOLE   7,490 0 0
Emerson Electric Co. COMMON 291011104 2,436 30,305 SH   SOLE   29,455 0 850
Entergy Corporation COMMON 29364G103 1 11 SH   SOLE   11 0 0
Enterprise Products Prtn LP COMMON 293792107 11 565 SH   SOLE   565 0 0
Equity Residential Prop. REIT REIT 29476L107 326 5,503 SH   SOLE   5,503 0 0
Essential utilities ord COMMON 29670G102 134 2,830 SH   SOLE   2,830 0 0
ETFMG Alternative Harvest ETF ETF 26924G508 12 858 SH   SOLE   858 0 0
Etho Climate Leader US ETF ETF 26924G888 116 2,179 SH   SOLE   2,179 0 0
Exelon Corp. COMMON 30161N101 21 489 SH   SOLE   489 0 0
Expeditors Int'l of Washington COMMON 302130109 93 976 SH   SOLE   976 0 0
Exxon Mobil Corporation COMMON 30231G102 1,119 27,144 SH   SOLE   25,718 0 1,426
Facebook Inc Class A COMMON 30303M102 176 643 SH   SOLE   643 0 0
Fedex Corporation COMMON 31428X106 1,896 7,303 SH   SOLE   7,084 0 219
Fidelity MSCI Health Care ETF ETF 316092600 45 785 SH   SOLE   785 0 0
Fidelity MSCI Utilities ETF ETF 316092865 25 613 SH   SOLE   613 0 0
First Bancorp Inc Me COMMON 31866P102 15 600 SH   SOLE   600 0 0
First Solar Inc COMMON 336433107 1,513 15,298 SH   SOLE   15,298 0 0
Fiserv, Inc. COMMON 337738108 17 150 SH   SOLE   150 0 0
Fortinet Inc COMMON 34959E109 62 415 SH   SOLE   415 0 0
Gallagher Arthur J & Co COMMON 363576109 99 800 SH   SOLE   800 0 0
General Dynamics Corp. COMMON 369550108 16 104 SH   SOLE   104 0 0
General Electric Co. COMMON 369604103 785 72,674 SH   SOLE   69,158 0 3,516
General Mills, Inc. COMMON 370334104 98 1,666 SH   SOLE   1,666 0 0
Genuine Parts Co COMMON 372460105 25 250 SH   SOLE   250 0 0
Gilead Sciences Inc COMMON 375558103 338 5,802 SH   SOLE   5,802 0 0
Glaxo Smithkline ADR ADR 37733W105 1,192 32,391 SH   SOLE   32,391 0 0
Goldman Sachs Group Inc COMMON 38141G104 300 1,139 SH   SOLE   1,139 0 0
Gopro Inc COMMON 38268T103 0 5 SH   SOLE   5 0 0
Guggenheim S&P Global Water Index COMMON 46138E263 25 534 SH   SOLE   534 0 0
Gw Pharmaceutic Plc COMMON 36197T103 3 30 SH   SOLE   30 0 0
Halliburton Company COMMON 406216101 27 1,422 SH   SOLE   1,422 0 0
Hanesbrands Inc. COMMON 410345102 1,099 75,409 SH   SOLE   72,769 0 2,640
Hannon Armstrong Sus REIT REIT 41068X100 27 418 SH   SOLE   418 0 0
Harsco COMMON 415864107 27 1,510 SH   SOLE   1,510 0 0
Hershey Foods Corp COMMON 427866108 138 908 SH   SOLE   908 0 0
Hewlett Packard Ente COMMON 42824C109 14 1,200 SH   SOLE   1,200 0 0
Hewlett-Packard Co. COMMON 40434L105 31 1,255 SH   SOLE   1,255 0 0
Home Depot COMMON 437076102 216 813 SH   SOLE   813 0 0
Honeywell International COMMON 438516106 1,567 7,365 SH   SOLE   7,181 0 184
HSBC Holdings PLC ADR ADR 404280406 21 809 SH   SOLE   809 0 0
Humana COMMON 444859102 517 1,261 SH   SOLE   1,261 0 0
IBM Corp. COMMON 459200101 2,214 17,588 SH   SOLE   16,987 0 601
Idexx Labs Inc. COMMON 45168D104 20 40 SH   SOLE   40 0 0
Illinois Tool Works COMMON 452308109 175 860 SH   SOLE   860 0 0
Imperial Oil Ltd COMMON 453038408 69 3,645 SH   SOLE   3,645 0 0
India Fund COMMON 454089103 37 1,870 SH   SOLE   1,870 0 0
Ingersoll Rand Inc COMMON 45687V106 46 1,009 SH   SOLE   1,009 0 0
Integer Holdings Corp COMMON 45826H109 1,030 12,682 SH   SOLE   12,407 0 275
Intel Corp. COMMON 458140100 1,491 29,924 SH   SOLE   29,924 0 0
Intercontinental Exchange, Inc. COMMON 45866F104 6 50 SH   SOLE   50 0 0
Interface Inc COMMON 458665304 1 117 SH   SOLE   117 0 0
Intuit COMMON 461202103 19 50 SH   SOLE   50 0 0
Invesco Cleantech ETF ETF 46137V407 69 920 SH   SOLE   920 0 0
Invesco Global Water ETF ETF 46138E651 10 300 SH   SOLE   300 0 0
Iron Mountain Inc REIT REIT 46284V101 160 5,424 SH   SOLE   5,424 0 0
iShares Core Dividend Growth ETF ETF 46434V621 442 9,853 SH   SOLE   9,853 0 0
iShares Core MSCI EAFE ETF ETF 46432F842 25 364 SH   SOLE   364 0 0
iShares Core MSCI ETF ETF 46434G103 27 434 SH   SOLE   434 0 0
iShares DJ US Financial ETF ETF 464287788 74 1,108 SH   SOLE   1,108 0 0
iShares Dow J Real Estate ETF ETF 464287739 13 150 SH   SOLE   150 0 0
iShares Dow J. Healthcare ETF ETF 464287762 161 654 SH   SOLE   654 0 0
iShares Global Clean Energy ETF 464288224 187 6,613 SH   SOLE   6,613 0 0
Ishares Gold ETF ETF 464285105 295 16,267 SH   SOLE   16,267 0 0
iShares Lehman Agg Bond Fd ETF ETF 464287226 155 1,310 SH   SOLE   1,310 0 0
iShares MBS ETF ETF 464288588 58 530 SH   SOLE   530 0 0
iShares MSCI EAFE ETF ETF 464287465 443 6,066 SH   SOLE   6,066 0 0
iShares MSCI Emerg Esg ETF ETF 46434G863 472 11,254 SH   SOLE   11,254 0 0
iShares MSCI Emerging Market ETF ETF 464287234 41 802 SH   SOLE   802 0 0
iShares MSCI Pacific Index ETF ETF 464286665 9 180 SH   SOLE   180 0 0
iShares MSCI Taiwan Index ETF ETF 46434G772 175 3,290 SH   SOLE   2,890 0 400
iShares NASDAQ Biotech ETF ETF 464287556 1,055 6,963 SH   SOLE   6,697 0 266
iShares Russell 1000 Growth ETF ETF 464287614 54 223 SH   SOLE   223 0 0
iShares Russell 1000 Val ETF ETF 464287598 3,753 27,446 SH   SOLE   27,446 0 0
iShares Russell 2000 Growth ETF ETF 464287648 23 79 SH   SOLE   79 0 0
Ishares Russell 2000 Value ETF ETF 464287630 20 151 SH   SOLE   151 0 0
iShares Russell Midcap Grth ETF ETF 464287481 75 726 SH   SOLE   726 0 0
iShares S&P 500 Index ETF ETF 464287200 425 1,132 SH   SOLE   406 0 726
iShares S&P Midcap 400 Index ETF ETF 464287507 139 605 SH   SOLE   605 0 0
iShares S&P Mid-Cap Grow ETF ETF 464287606 29 396 SH   SOLE   396 0 0
iShares S&P Sm Cap Idx 600 ETF ETF 464287804 255 2,780 SH   SOLE   2,780 0 0
iShares S&P U S Pfd Stk ETF ETF 464288687 6 153 SH   SOLE   153 0 0
iShares Select Dividend Idx ETF ETF 464287168 90 932 SH   SOLE   932 0 0
iShares Short-Term National Muni Bond COMMON 464288158 229 2,122 SH   SOLE   2,122 0 0
iShares TIPS Bond ETF ETF 464287176 1,251 9,801 SH   SOLE   9,578 0 223
iShares Tr China 25 Index ETF ETF 464287184 125 2,698 SH   SOLE   2,698 0 0
iShares Tr DJ U S Tech Sector ETF ETF 464287721 175 2,052 SH   SOLE   2,052 0 0
Ishares Tr Intrm Tr Crp Etf ETF 464288638 67 1,080 SH   SOLE   1,080 0 0
iShares Tr S&P Europe 350 ETF ETF 464287861 14 300 SH   SOLE   300 0 0
Ishares Tr Sh Tr Corporate ETF ETF 464288646 31 560 SH   SOLE   560 0 0
J M Smuckers Co. COMMON 832696405 0 4 SH   SOLE   4 0 0
Jacobs Engineering Group Inc COMMON 469814107 33 303 SH   SOLE   303 0 0
Johnson & Johnson COMMON 478160104 2,502 15,899 SH   SOLE   15,145 0 754
JP Morgan Chase & Co COMMON 46625H100 3,029 23,834 SH   SOLE   22,952 0 882
Kansas City Southern COMMON 485170302 41 202 SH   SOLE   202 0 0
Kimberly-Clark Corp. COMMON 494368103 214 1,585 SH   SOLE   1,585 0 0
KLA-Tencor Corporation COMMON 482480100 42 161 SH   SOLE   161 0 0
Kon Philips Electric NV COMMON 500472303 704 12,995 SH   SOLE   12,995 0 0
Korea Elec Power Co COMMON 500631106 4 295 SH   SOLE   295 0 0
Kraft Heinz Company COMMON 500754106 1,098 31,672 SH   SOLE   30,492 0 1,180
KraneShares CSI China Internet ETF ETF 500767306 701 9,126 SH   SOLE   9,126 0 0
Laboratory Corp of America Hlds COMMON 50540R409 202 994 SH   SOLE   899 0 95
Liberty Broadband Corp COMMON 530307305 28 174 SH   SOLE   174 0 0
Liberty Formula One Group COMMON 531229854 27 631 SH   SOLE   631 0 0
Lowes Companies Inc. COMMON 548661107 149 926 SH   SOLE   771 0 155
Lumen Technologies Inc COMMON 156700106 126 12,963 SH   SOLE   12,963 0 0
M K S Instruments Inc. COMMON 55306N104 1,004 6,676 SH   SOLE   6,676 0 0
Magellan Midstream Ptnrs COMMON 559080106 12 273 SH   SOLE   273 0 0
Marathon Petroleum Corp COMMON 56585A102 71 1,706 SH   SOLE   1,706 0 0
Marsh & McLennan Co's COMMON 571748102 19 163 SH   SOLE   163 0 0
Mastercard Inc COMMON 57636Q104 67 189 SH   SOLE   189 0 0
McDonald's Corp COMMON 580135101 443 2,064 SH   SOLE   2,064 0 0
McKesson Corp. COMMON 58155Q103 1,230 7,073 SH   SOLE   6,669 0 404
Medtronic Inc. COMMON G5960L103 2,021 17,252 SH   SOLE   16,746 0 506
Merck COMMON 58933Y105 2,823 34,514 SH   SOLE   32,927 0 1,587
Metlife Inc. COMMON 59156R108 15 324 SH   SOLE   324 0 0
Micron Technology COMMON 595112103 23 306 SH   SOLE   306 0 0
Microsoft COMMON 594918104 10,466 47,055 SH   SOLE   45,995 0 1,060
Mohawk Industries Inc COMMON 608190104 30 210 SH   SOLE   210 0 0
Mondelez Int'l Inc. COMMON 609207105 948 16,211 SH   SOLE   15,756 0 455
Morgan Stanley Dean Witter COMMON 617446448 21 312 SH   SOLE   312 0 0
Murphy USA Inc COMMON 626755102 7 55 SH   SOLE   55 0 0
National Grid Plc ADR ADR 636274409 328 5,550 SH   SOLE   5,550 0 0
NCR Corporation COMMON 62886E108 1,856 49,411 SH   SOLE   48,275 0 1,136
New Oriental Ed ADR ADR 647581107 34 181 SH   SOLE   181 0 0
Nextera Energy COMMON 65339F101 854 11,064 SH   SOLE   11,064 0 0
Nextgen Healthcare Inc COMMON 65343C102 5 290 SH   SOLE   290 0 0
Nike, Inc. COMMON 654106103 267 1,886 SH   SOLE   1,886 0 0
Norfolk Southern COMMON 655844108 965 4,063 SH   SOLE   4,063 0 0
Northrop Grumman Corp COMMON 666807102 109 358 SH   SOLE   358 0 0
Novartis Ag ADR ADR 66987V109 449 4,760 SH   SOLE   4,760 0 0
Nucor Corp COMMON 670346105 15 280 SH   SOLE   280 0 0
Nutrien Ltd COMMON 67077M108 146 3,038 SH   SOLE   2,750 0 288
Nuveen Muni Value Fd Inc. COMMON 670928100 74 6,640 SH   SOLE   0 0 6,640
Nvent Electric Plc Shs COMMON G6700G107 16 700 SH   SOLE   700 0 0
Nvidia Corp COMMON 67066G104 4 8 SH   SOLE   8 0 0
Occidental Pete Corp COMMON 674599162 0 21 SH   SOLE   21 0 0
Occidental Petroleum Corp. COMMON 674599105 3 175 SH   SOLE   175 0 0
Oceaneering Int'l Inc COMMON 675232102 24 2,980 SH   SOLE   2,980 0 0
OGE Energy Corp. COMMON 670837103 38 1,200 SH   SOLE   1,200 0 0
Omnicom Group Inc COMMON 681919106 7 104 SH   SOLE   104 0 0
Oneok Inc New COMMON 682680103 472 12,302 SH   SOLE   12,302 0 0
Oracle COMMON 68389X105 76 1,178 SH   SOLE   1,178 0 0
OTIS Worldwide Corp-Wi COMMON 68902V107 68 1,014 SH   SOLE   1,014 0 0
P P G Industries Inc. COMMON 693506107 242 1,678 SH   SOLE   1,678 0 0
Parker Hannifin Corp COMMON 701094104 151 555 SH   SOLE   555 0 0
Paypal Holdings COMMON 70450Y103 64 275 SH   SOLE   275 0 0
Peoples United Finl Inc COMMON 712704105 2,109 163,077 SH   SOLE   160,115 0 2,962
Pepsico, Inc. COMMON 713448108 638 4,304 SH   SOLE   4,304 0 0
Pfizer Inc. COMMON 717081103 4,509 122,492 SH   SOLE   120,336 0 2,156
Philip Morris Intl Inc COMMON 718172109 65 787 SH   SOLE   787 0 0
Phillips 66 SHS COMMON 718546104 470 6,714 SH   SOLE   6,564 0 150
PIMCO Enhanced Short Maturity Active ETF ETF 72201R833 301 2,947 SH   SOLE   2,947 0 0
PIMCO Intermediate Muni Bond ETF ETF 72201R866 995 17,531 SH   SOLE   14,280 0 3,251
Plantronics Inc. COMMON 727493108 189 6,997 SH   SOLE   6,997 0 0
PNC Financial Services Group Inc. COMMON 693475105 306 2,054 SH   SOLE   2,054 0 0
Powershares FTSE RAFI ETF ETF 46137V613 74 552 SH   SOLE   552 0 0
PowerShares QQQ Trust Sr 1 ETF ETF 46090E103 125 400 SH   SOLE   400 0 0
PPL Corporation COMMON 69351T106 13 466 SH   SOLE   466 0 0
Procter & Gamble COMMON 742718109 2,554 18,359 SH   SOLE   17,901 0 458
Public Storage, Inc. COMMON 74460D109 78 339 SH   SOLE   339 0 0
Public Sv Enterprise COMMON 744573106 269 4,622 SH   SOLE   4,622 0 0
Qorvo Inc COMMON 74736K101 2,325 13,983 SH   SOLE   13,983 0 0
Qualcomm Inc. COMMON 747525103 24 159 SH   SOLE   159 0 0
Raytheon Technologies Ord COMMON 75513E101 222 3,100 SH   SOLE   3,100 0 0
Republic Services Inc COMMON 760759100 52 537 SH   SOLE   537 0 0
Resideo Technologies Inc COMMON 76118Y104 3 130 SH   SOLE   130 0 0
Rockwell Automation COMMON 773903109 207 825 SH   SOLE   825 0 0
Royal Dutch Shell ADR ADR 780259206 630 17,935 SH   SOLE   17,685 0 250
Royce Micro-Cap Trust COMMON 780915104 33 3,249 SH   SOLE   3,249 0 0
Rydex S&P 500 Eq Wgt ETF ETF 46137V357 82 645 SH   SOLE   645 0 0
Sabre Corporation COMMON 78573M104 413 34,342 SH   SOLE   34,342 0 0
Salesforce Com COMMON 79466L302 100 450 SH   SOLE   450 0 0
Schlumberger Limited COMMON 806857108 811 37,136 SH   SOLE   37,136 0 0
Schwab Emerging Mkt ETF ETF 808524706 99 3,220 SH   SOLE   3,220 0 0
Schwab Intermediate US Treasury ETF ETF 808524854 232 3,988 SH   SOLE   3,869 0 119
Schwab Int'l Equity ETF ETF 808524805 11,841 328,814 SH   SOLE   328,814 0 0
Schwab U.S. Bond ETF ETF 808524839 454 8,102 SH   SOLE   8,102 0 0
Schwab U.S. Broad Market ETF ETF 808524102 70,374 773,425 SH   SOLE   769,270 0 4,155
Schwab U.S. Tips ETF ETF 808524870 21 340 SH   SOLE   340 0 0
Seagate Technology PLC COMMON G7945M107 4,871 78,367 SH   SOLE   75,393 0 2,974
Sector SPDR Tech Select Shares COMMON 81369Y803 303 2,330 SH   SOLE   2,330 0 0
Sempra Energy COMMON 816851109 19 151 SH   SOLE   151 0 0
SK Telecom Ltd ADR ADR 78440P108 15 600 SH   SOLE   600 0 0
Skywest Inc COMMON 830879102 303 7,506 SH   SOLE   7,506 0 0
Skyworks Solutions Inc. COMMON 83088M102 64 421 SH   SOLE   421 0 0
Sonoco Products COMMON 835495102 299 5,052 SH   SOLE   4,285 0 767
Sony Corp. ADR ADR 835699307 2,363 23,370 SH   SOLE   22,765 0 605
Southern Company COMMON 842587107 355 5,773 SH   SOLE   5,773 0 0
SPDR Consumer Disc Select ETF ETF 81369Y407 49 302 SH   SOLE   302 0 0
SPDR Dow Jones Ind Avg ETF ETF 78467X109 92 300 SH   SOLE   300 0 0
SPDR Gold Trust ETF ETF 78463V107 1,803 10,111 SH   SOLE   10,111 0 0
SPDR MSCI EAFE Fsl Fuel Fr ETF ETF 78470E106 795 10,208 SH   SOLE   10,208 0 0
SPDR MSCI Emerg Fsl Fl Free ETF ETF 78470E205 545 7,060 SH   SOLE   7,060 0 0
SPDR S&P 500 ETF ETF 78462F103 1,230 3,291 SH   SOLE   2,377 0 914
SPDR S&P 500 Fossil Fl Fr ETF ETF 78468R796 1,424 15,310 SH   SOLE   15,310 0 0
SPDR S&P 600 Small Cap ETF ETF 78464A300 30 449 SH   SOLE   449 0 0
SPDR S&P Biotech ETF ETF 78464A870 1,242 8,822 SH   SOLE   8,822 0 0
SPDR S&P Dividend ETF ETF 78464A763 125 1,182 SH   SOLE   1,182 0 0
SPDR S&P Mid Cap 400 ETF ETF 78467Y107 210 500 SH   SOLE   300 0 200
SPDR Utility Select Sec ETF ETF 81369Y886 47 742 SH   SOLE   742 0 0
SPDR SSGA Gender Diversity ETF ETF 78468R747 13 140 SH   SOLE   140 0 0
Splunk Inc COMMON 848637104 333 1,961 SH   SOLE   1,961 0 0
Spotify Technology SA COMMON L8681T102 13 40 SH   SOLE   40 0 0
Standex Int'l Corp. COMMON 854231107 79 1,020 SH   SOLE   1,020 0 0
Stanley Black & Decker COMMON 854502101 71 400 SH   SOLE   400 0 0
Starbucks COMMON 855244109 1,533 14,326 SH   SOLE   14,006 0 320
State Street Corp. COMMON 857477103 7 97 SH   SOLE   97 0 0
Stericycle Inc COMMON 858912108 1,627 23,465 SH   SOLE   22,958 0 507
Steris Corp. COMMON G8473T100 284 1,500 SH   SOLE   1,500 0 0
Stryker Corp. COMMON 863667101 46 188 SH   SOLE   188 0 0
Suncor Energy Inc. COMMON 867224107 13 789 SH   SOLE   789 0 0
Synchrony Financial COMMON 87165B103 501 14,447 SH   SOLE   14,447 0 0
Sysco Corp. COMMON 871829107 132 1,783 SH   SOLE   1,783 0 0
T. Rowe Price Associates COMMON 74144T108 23 152 SH   SOLE   152 0 0
Taiwan Semiconductor ADR ADR 874039100 8,043 73,763 SH   SOLE   71,988 0 1,775
Target Corp. COMMON 87612E106 97 550 SH   SOLE   550 0 0
Tata Motors Ltd ADR ADR 876568502 345 27,397 SH   SOLE   27,397 0 0
Telefonica ADR ADR 879382208 7 1,636 SH   SOLE   1,636 0 0
Teradata Corp COMMON 88076W103 52 2,293 SH   SOLE   2,293 0 0
Terex Corp COMMON 880779103 93 2,655 SH   SOLE   2,655 0 0
Tesla Motors COMMON 88160R101 2 3 SH   SOLE   3 0 0
Teva Pharma Ind ADR ADR 881624209 146 15,097 SH   SOLE   15,097 0 0
Texas Instruments Inc. COMMON 882508104 82 500 SH   SOLE   500 0 0
The Charles Schwab Corp. COMMON 808513105 6,430 121,222 SH   SOLE   117,889 0 3,333
The Travelers Companies Inc. COMMON 89417E109 851 6,059 SH   SOLE   6,059 0 0
Thermo Fisher Scientific COMMON 883556102 157 338 SH   SOLE   338 0 0
Thomson Reuters Corp COMMON 884903709 131 1,595 SH   SOLE   1,595 0 0
Thor Industries Inc COMMON 885160101 945 10,164 SH   SOLE   10,164 0 0
Tilray Inc COMMON 88688T100 0 59 SH   SOLE   59 0 0
Titan International Inc COMMON 88830M102 22 4,610 SH   SOLE   4,610 0 0
Toronto-Dominion Bank COMMON 891160509 1,575 27,918 SH   SOLE   27,918 0 0
Toyota Motor Corp. ADR ADR 892331307 27 175 SH   SOLE   175 0 0
TPI Composites Inc COMMON 87266J104 593 11,239 SH   SOLE   11,239 0 0
Trane Technologies PLC COMMON G8994E103 224 1,545 SH   SOLE   1,545 0 0
TransCanada Corp. COMMON 87807B107 101 2,475 SH   SOLE   2,475 0 0
Travelcenters of America COMMON 89421B109 5 165 SH   SOLE   165 0 0
U S Bancorp COMMON 902973304 58 1,250 SH   SOLE   1,250 0 0
U S X-US Steel Group COMMON 912909108 8 450 SH   SOLE   450 0 0
Uber Technologies Inc COMMON 90353T100 65 1,274 SH   SOLE   1,274 0 0
UDR Inc COMMON 902653104 59 1,534 SH   SOLE   1,534 0 0
Unilever PLC ADR ADR 904767704 571 9,456 SH   SOLE   9,456 0 0
Union Pacific COMMON 907818108 253 1,213 SH   SOLE   989 0 224
United Continental Holdings Inc COMMON 910047109 8 183 SH   SOLE   183 0 0
United Parcel Service COMMON 911312106 81 480 SH   SOLE   480 0 0
Unitedhealth Group Inc. COMMON 91324P102 52 147 SH   SOLE   147 0 0
Unum Provident Corp. COMMON 91529Y106 272 11,838 SH   SOLE   11,838 0 0
Valero Energy COMMON 91913Y100 1,174 20,747 SH   SOLE   19,938 0 809
Vaneck Vectors Gold Miners ETF ETF 92189F106 1,786 49,584 SH   SOLE   49,584 0 0
Vangard Russell 2000 ETF ETF 92206C664 31 193 SH   SOLE   193 0 0
Vanguard 500 ETF ETF 922908363 791 2,302 SH   SOLE   2,302 0 0
Vanguard Corp Bond ETF ETF 92206C409 4 54 SH   SOLE   54 0 0
Vanguard Developed Market ETF ETF 921943858 22,391 474,282 SH   SOLE   469,768 0 4,514
Vanguard Div Appreciation ETF ETF 921908844 368 2,609 SH   SOLE   2,609 0 0
Vanguard Emerging Market ETF ETF 922042858 13,815 275,698 SH   SOLE   273,459 0 2,239
Vanguard ESG International Stock ETF ETF 921910725 1,997 33,702 SH   SOLE   33,702 0 0
Vanguard ESG US Stock ETF ETF 921910733 2,519 35,894 SH   SOLE   35,894 0 0
Vanguard Extended Market ETF ETF 922908652 20 123 SH   SOLE   123 0 0
Vanguard FTSE All World ex US ETF ETF 922042775 255 4,364 SH   SOLE   4,364 0 0
Vanguard FTSE Pacific ETF ETF 922042866 7 91 SH   SOLE   91 0 0
Vanguard Growth ETF ETF 922908736 974 3,846 SH   SOLE   3,846 0 0
Vanguard High Dividend Yd ETF ETF 921946406 88 960 SH   SOLE   960 0 0
Vanguard Info Technology ETF ETF 92204A702 69 194 SH   SOLE   194 0 0
Vanguard Interm. Bond Idx ETF ETF 921937819 50 538 SH   SOLE   538 0 0
Vanguard Interm-Temp Corp Bd ETF ETF 92206C870 4 45 SH   SOLE   45 0 0
Vanguard Large-Cap ETF ETF 922908637 8 43 SH   SOLE   43 0 0
Vanguard Mid Cap Etf ETF 922908629 6 27 SH   SOLE   27 0 0
Vanguard Mid Cap Value ETF ETF 922908512 52 440 SH   SOLE   440 0 0
Vanguard Mid-Cap Growth ETF ETF 922908538 39 185 SH   SOLE   185 0 0
Vanguard MSCI Europe ETF ETF 922042874 11 186 SH   SOLE   186 0 0
Vanguard Muni Bond ETF ETF 922907746 2,434 44,108 SH   SOLE   37,261 0 6,847
Vanguard REIT ETF ETF 922908553 139 1,640 SH   SOLE   1,640 0 0
Vanguard Short Term Bd Idx ETF ETF 921937827 3,132 37,777 SH   SOLE   37,645 0 132
Vanguard Sh-Tm Inflat- Prot ETF ETF 922020805 123 2,398 SH   SOLE   2,398 0 0
Vanguard Small Cap Etf ETF 922908751 28 145 SH   SOLE   145 0 0
Vanguard Small Cap Growth ETF ETF 922908595 36 135 SH   SOLE   135 0 0
Vanguard Small Cap Value ETF ETF 922908611 35 244 SH   SOLE   244 0 0
Vanguard Total Int'l Bond Market ETF ETF 92203J407 14,724 251,472 SH   SOLE   248,740 0 2,732
Vanguard Total Stk Mkt ETF ETF 922908769 2,700 13,872 SH   SOLE   13,872 0 0
Vanguard Total U.S. Bond Market ETF ETF 921937835 28,050 318,064 SH   SOLE   315,506 0 2,558
Vanguard Value Index ETF ETF 922908744 156 1,315 SH   SOLE   1,315 0 0
Ventas REIT Inc REIT 92276F100 1,659 33,829 SH   SOLE   33,364 0 465
Verizon Communications Inc. COMMON 92343V104 4,895 83,313 SH   SOLE   80,801 0 2,512
Vgrd Ftse All Wrld Ex US ETF COMMON 922042718 20 162 SH   SOLE   162 0 0
VIACOMCBS CL COMMON 92556H206 16 432 SH   SOLE   432 0 0
Viatris Inc COMMON 92556V106 251 13,399 SH   SOLE   13,133 0 266
Visa Inc COMMON 92826C839 1,951 8,918 SH   SOLE   8,740 0 178
Vistra Energy Corp COMMON 92840M102 158 8,025 SH   SOLE   7,492 0 533
Vodafone Group ADR ADR 92857W308 1,298 78,751 SH   SOLE   77,073 0 1,678
W. P. Carey & Co. LLC COMMON 92936U109 230 3,256 SH   SOLE   3,256 0 0
WABTec COMMON 929740108 3 36 SH   SOLE   36 0 0
Walgreens Boots Alli COMMON 931427108 32 800 SH   SOLE   800 0 0
Wal-Mart Stores COMMON 931142103 1,022 7,089 SH   SOLE   7,089 0 0
Walt Disney Hldg COMMON 254687106 2,768 15,277 SH   SOLE   15,154 0 123
Wash Real Est Inv Tr MD REIT REIT 939653101 211 9,734 SH   SOLE   9,734 0 0
Watts Water Technologies COMMON 942749102 143 1,175 SH   SOLE   770 0 405
WEC Energy Group COMMON 92939U106 352 3,823 SH   SOLE   3,823 0 0
Wells Fargo & Co COMMON 949746101 20 657 SH   SOLE   657 0 0
Welltower Inc REIT REIT 95040Q104 97 1,500 SH   SOLE   1,500 0 0
Western Digital Corp. COMMON 958102105 194 3,499 SH   SOLE   2,064 0 1,435
Western Union Co COMMON 959802109 1,040 47,416 SH   SOLE   47,416 0 0
Westpac Banking ADR ADR 961214301 73 4,875 SH   SOLE   4,875 0 0
Weyerhaeuser Company COMMON 962166104 1,462 43,614 SH   SOLE   42,902 0 712
Whirlpool COMMON 963320106 1,903 10,546 SH   SOLE   10,546 0 0
WisdomTree Emerg Mk SmCap ETF ETF 97717W281 402 8,414 SH   SOLE   7,332 0 1,082
Wisdomtree Japan SmCap Div ETF ETF 97717W836 56 770 SH   SOLE   770 0 0
Wolverine World Wide Inc. COMMON 978097103 1,141 36,523 SH   SOLE   36,123 0 400
WPP COMMON 92937A102 2,201 40,693 SH   SOLE   40,476 0 217
Wyndham Destinations Inc COMMON 98310W108 22 487 SH   SOLE   487 0 0
Wyndham Hotels & Resorts Inc COMMON 98311A105 29 487 SH   SOLE   487 0 0
Xcel Energy Inc. COMMON 98389B100 124 1,860 SH   SOLE   1,860 0 0
Xylem Inc COMMON 98419M100 204 2,001 SH   SOLE   2,001 0 0
Yield10 Bioscience Inc COMMON 98585K862 1 242 SH   SOLE   242 0 0
Yum China Hldgs Inc Com COMMON 98850P109 1,107 19,392 SH   SOLE   19,166 0 226
Zimmer Biomet Holdings Inc. COMMON 98956P102 24 153 SH   SOLE   153 0 0
Zoom video communications-A COMMON 98980L101 58 172 SH   SOLE   172 0 0