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 21 426 SH   SOLE   426 0 0
3M Company COMMON 88579Y101 76 431 SH   SOLE   431 0 0
A F L A C Inc. COMMON 001055102 98 1,881 SH   SOLE   1,881 0 0
Abbott Laboratories COMMON 002824100 1,242 10,517 SH   SOLE   10,517 0 0
AbbVie Inc. COMMON 00287Y109 835 7,744 SH   SOLE   7,744 0 0
Aberdeen Asia Pac Income Fd COMMON 003009107 166 40,073 SH   SOLE   40,073 0 0
Aberdeen Physical Swiss Gold ETF ETF 00326A104 7 400 SH   SOLE   400 0 0
Accenture Ltd Cl A F COMMON G1151C101 5 16 SH   SOLE   16 0 0
ACNB Corporation COMMON 000868109 26 938 SH   SOLE   938 0 0
Activision Inc. COMMON 00507V109 624 8,069 SH   SOLE   7,939 0 130
Adobe Systems Inc. COMMON 00724F101 6 10 SH   SOLE   10 0 0
ADT Corp COMMON 00090Q103 1 104 SH   SOLE   104 0 0
Advanced Micro Devices COMMON 007903107 19 188 SH   SOLE   188 0 0
Air Products & Chemicals Inc. COMMON 009158106 183 715 SH   SOLE   715 0 0
Airbnb Inc COMMON 009066101 38 225 SH   SOLE   225 0 0
Alaska Air Group Inc. COMMON 011659109 3 44 SH   SOLE   44 0 0
Alibaba Group Hldg COMMON 01609W102 2 14 SH   SOLE   14 0 0
Align Technology Inc COMMON 016255101 3 5 SH   SOLE   5 0 0
Alimentation Couche-Tard Inc COMMON 01626P403 42 1,089 SH   SOLE   1,089 0 0
Allegion Public Ltd Co COMMON G0176J109 26 200 SH   SOLE   200 0 0
Alliant Energy Corp COMMON 018802108 697 12,457 SH   SOLE   12,457 0 0
Allstate COMMON 020002101 166 1,303 SH   SOLE   1,303 0 0
Alphabet, Inc Cl C COMMON 02079K107 3,790 1,422 SH   SOLE   1,380 0 42
Alphabet, Inc. Cl A COMMON 02079K305 2,861 1,070 SH   SOLE   1,025 0 45
Altria Group Inc. COMMON 02209S103 38 839 SH   SOLE   839 0 0
Amarin Corp Plc New ADR ADR 023111206 12 2,325 SH   SOLE   2,325 0 0
Amazon.Com COMMON 023135106 1,866 568 SH   SOLE   557 0 11
Amc Networks Inc Cl A COMMON 00164V103 156 3,351 SH   SOLE   3,351 0 0
Amer Electric Pwr Co Inc COMMON 025537101 1 8 SH   SOLE   8 0 0
America Movil L ADR ADR 02364W105 64 3,600 SH   SOLE   3,600 0 0
American Express Company COMMON 025816109 318 1,897 SH   SOLE   1,897 0 0
Ameriprise Financial Inc. COMMON 03076C106 14 53 SH   SOLE   53 0 0
Amgen Incorporated COMMON 031162100 181 849 SH   SOLE   849 0 0
Amkor Technology Inc COMMON 031652100 1,167 46,788 SH   SOLE   46,788 0 0
Analog Devices Inc. COMMON 032654105 16 97 SH   SOLE   97 0 0
Annaly Capital Mgmt COMMON 035710409 30 3,520 SH   SOLE   3,520 0 0
Antero Midstream Partners LP COMMON 03676B102 2 202 SH   SOLE   202 0 0
Anthem Inc COMMON 036752103 62 165 SH   SOLE   165 0 0
Apple Inc. COMMON 037833100 4,771 33,714 SH   SOLE   32,883 0 831
Applied Materials COMMON 038222105 2 13 SH   SOLE   13 0 0
Aptiv PLC COMMON G6095L109 14 91 SH   SOLE   91 0 0
Archer-Daniels-Midland Inc. COMMON 039483102 196 3,265 SH   SOLE   2,357 0 908
ARK Next Generation Internet ETF ETF 00214Q401 83 599 SH   SOLE   599 0 0
Arrowhead Pharma Inc COMMON 04280A100 20 320 SH   SOLE   320 0 0
Asml Hldgs Nv COMMON N07059210 7 10 SH   SOLE   10 0 0
Astec Industries COMMON 046224101 288 5,353 SH   SOLE   5,353 0 0
AstraZeneca plc ADR ADR 046353108 1,337 22,261 SH   SOLE   22,261 0 0
AT&T Inc. COMMON 00206R102 1,753 64,887 SH   SOLE   64,127 0 760
Atlas Air Worldwide Hldg COMMON 049164205 172 2,104 SH   SOLE   2,104 0 0
Auto Data Processing COMMON 053015103 258 1,289 SH   SOLE   1,289 0 0
Autodesk Inc COMMON 052769106 3 11 SH   SOLE   11 0 0
Avalon Bay Communities COMMON 053484101 5 21 SH   SOLE   21 0 0
Avery Dennison COMMON 053611109 7 35 SH   SOLE   35 0 0
AYRO Inc. COMMON 054748108 8 2,269 SH   SOLE   2,269 0 0
Baidu Inc ADR ADR 056752108 527 3,426 SH   SOLE   3,426 0 0
Ball Corp COMMON 058498106 49 549 SH   SOLE   549 0 0
Bank of America Corp COMMON 060505104 71 1,661 SH   SOLE   1,661 0 0
Bank of New York Mellon COMMON 064058100 97 1,877 SH   SOLE   1,877 0 0
Bar Harbor Bankshare COMMON 066849100 10 358 SH   SOLE   358 0 0
Baxter International COMMON 071813109 865 10,758 SH   SOLE   10,758 0 0
BCE Inc. COMMON 05534B760 310 6,202 SH   SOLE   5,499 0 703
Becton Dickinson & Co COMMON 075887109 136 554 SH   SOLE   554 0 0
Berkshire Hathaway Cl B COMMON 084670702 3,548 12,998 SH   SOLE   12,361 0 637
Beyond Meat Inc COMMON 08862E109 39 374 SH   SOLE   374 0 0
Biogen Idec Inc COMMON 09062X103 170 601 SH   SOLE   601 0 0
Black Rock Resources Tr COMMON 09257A108 10 1,163 SH   SOLE   1,163 0 0
Blackrock Inc COMMON 09247X101 57 68 SH   SOLE   68 0 0
Blackstone Group Lp COMMON 09260D107 19 164 SH   SOLE   164 0 0
Blkrck Muniyield Qlty Fd COMMON 09254F100 21 1,300 SH   SOLE   1,300 0 0
Boeing Co. COMMON 097023105 2,709 12,319 SH   SOLE   12,108 0 211
Booking Holdings Inc COMMON 09857L108 138 58 SH   SOLE   58 0 0
Borg Warner Inc COMMON 099724106 1,258 29,121 SH   SOLE   29,121 0 0
Boston Scientific COMMON 101137107 3 69 SH   SOLE   69 0 0
BP plc ADR ADR 055622104 29 1,061 SH   SOLE   1,061 0 0
Bristol Myers COMMON 110122108 2,028 34,266 SH   SOLE   33,792 0 474
Broadridge Finl Solution COMMON 11133T103 117 700 SH   SOLE   700 0 0
Cambria Cannabis ETF ETF 132061821 1 100 SH   SOLE   100 0 0
Canadian Natl Ry Co COMMON 136375102 6 51 SH   SOLE   51 0 0
Capital One Financial COMMON 14040H105 69 424 SH   SOLE   424 0 0
Cardinal Health Inc COMMON 14149Y108 3 58 SH   SOLE   58 0 0
CarMax Inc COMMON 143130102 75 584 SH   SOLE   584 0 0
Carrier Global Corp-Wi COMMON 14448C104 132 2,555 SH   SOLE   2,555 0 0
Caterpillar COMMON 149123101 1,864 9,712 SH   SOLE   9,712 0 0
CBRE Group Inc COMMON 12504L109 301 3,092 SH   SOLE   3,092 0 0
CDK Global Inc COMMON 12508E101 17 400 SH   SOLE   400 0 0
Cerner Corp COMMON 156782104 11 156 SH   SOLE   156 0 0
CF Industries Holdings Inc COMMON 125269100 14 250 SH   SOLE   250 0 0
Chemed Corp. COMMON 16359R103 1,822 3,918 SH   SOLE   3,918 0 0
Chevron Corp. COMMON 166764100 530 5,220 SH   SOLE   5,133 0 87
China Automotive Systems Inc COMMON 16936R105 80 24,527 SH   SOLE   24,527 0 0
Chubb Limited COMMON H1467J104 168 966 SH   SOLE   966 0 0
Cigna Corp COMMON 125523100 168 838 SH   SOLE   838 0 0
Cincinnati Financial Corp COMMON 172062101 45 390 SH   SOLE   390 0 0
Cisco Systems, Inc. COMMON 17275R102 3,546 65,139 SH   SOLE   63,176 0 1,963
Citigroup COMMON 172967424 337 4,807 SH   SOLE   4,807 0 0
Clorox Company COMMON 189054109 15 90 SH   SOLE   90 0 0
CME Group Inc. COMMON 12572Q105 465 2,404 SH   SOLE   2,404 0 0
CMS Energy COMMON 125896100 2 40 SH   SOLE   40 0 0
Coca-Cola Co COMMON 191216100 2,986 56,909 SH   SOLE   55,322 0 1,587
Colgate-Palmolive COMMON 194162103 97 1,286 SH   SOLE   1,286 0 0
Comcast Corp. COMMON 20030N101 122 2,184 SH   SOLE   2,184 0 0
Comerica Incorporated COMMON 200340107 161 2,000 SH   SOLE   2,000 0 0
Community Bank System COMMON 203607106 638 9,325 SH   SOLE   8,425 0 900
Conagra Foods Inc. COMMON 205887102 1 15 SH   SOLE   15 0 0
Conoco Phillips COMMON 20825C104 595 8,774 SH   SOLE   8,774 0 0
Consolidated Edison Inc. COMMON 209115104 136 1,878 SH   SOLE   1,878 0 0
Constellation Brand Cl Aclass A COMMON 21036P108 26 123 SH   SOLE   123 0 0
Constellation Software Inc COMMON 21037X100 51 31 SH   SOLE   31 0 0
Core Laboratories N V COMMON N22717107 32 1,148 SH   SOLE   1,148 0 0
CoreSite Realty Corp COMMON 21870Q105 17 125 SH   SOLE   125 0 0
Corning COMMON 219350105 4,808 131,775 SH   SOLE   131,106 0 669
Corp Office Pptys REIT REIT 22002T108 9 343 SH   SOLE   343 0 0
Corteva Inc com COMMON 22052L104 32 755 SH   SOLE   755 0 0
CoStar Group Inc COMMON 22160N109 6 70 SH   SOLE   70 0 0
Costco COMMON 22160K105 4,263 9,488 SH   SOLE   9,238 0 250
Crown Castle International Corp COMMON 22822V101 5 30 SH   SOLE   30 0 0
CSX Corp COMMON 126408103 136 4,584 SH   SOLE   4,584 0 0
Cummins Inc COMMON 231021106 15 69 SH   SOLE   69 0 0
CVS Corp COMMON 126650100 1,542 18,167 SH   SOLE   17,925 0 242
D R Horton Co. COMMON 23331A109 5 58 SH   SOLE   58 0 0
D T E Energy Co. COMMON 233331107 7 62 SH   SOLE   62 0 0
Danaher Corp COMMON 235851102 46 150 SH   SOLE   150 0 0
Deere & Company COMMON 244199105 853 2,545 SH   SOLE   2,545 0 0
Devon Energy Corp COMMON 25179M103 90 2,522 SH   SOLE   2,522 0 0
Diageo PLC ADR ADR 25243Q205 16 83 SH   SOLE   83 0 0
Diamondback Energy Inc COMMON 25278X109 2 26 SH   SOLE   26 0 0
Dick's Sporting Goods Inc COMMON 253393102 6 48 SH   SOLE   48 0 0
Digital Realty Trust REIT REIT 253868103 447 3,095 SH   SOLE   3,095 0 0
Discover Financial Svcs COMMON 254709108 11 93 SH   SOLE   93 0 0
Dollar General COMMON 256677105 6 27 SH   SOLE   27 0 0
Dominion Energy COMMON 25746U109 984 13,470 SH   SOLE   11,288 0 2,182
Dover Corporation COMMON 260003108 78 500 SH   SOLE   500 0 0
Dow In COMMON 260557103 133 2,316 SH   SOLE   2,316 0 0
Dr Reddys Labs ADR ADR 256135203 427 6,551 SH   SOLE   6,551 0 0
DT Midstream, Inc COMMON 23345M107 1 31 SH   SOLE   31 0 0
Duke Energy Corp. COMMON 26441C204 2,368 24,261 SH   SOLE   23,952 0 309
E Bay Inc. COMMON 278642103 27 391 SH   SOLE   391 0 0
E I DuPont COMMON 26614N102 472 6,940 SH   SOLE   6,708 0 232
East West Bancorp COMMON 27579R104 1,149 14,820 SH   SOLE   14,820 0 0
Eastman Chemical Co. COMMON 277432100 22 222 SH   SOLE   222 0 0
Eaton Corp. COMMON G29183103 219 1,464 SH   SOLE   1,464 0 0
Ecofin Global Water ESG COMMON 56167N753 68 1,486 SH   SOLE   1,486 0 0
Ecolab Inc. COMMON 278865100 62 298 SH   SOLE   298 0 0
Edison International COMMON 281020107 311 5,599 SH   SOLE   5,253 0 346
Electronic Arts Inc COMMON 285512109 3 18 SH   SOLE   18 0 0
Eli Lilly & Co. COMMON 532457108 1,147 4,963 SH   SOLE   4,963 0 0
Emerson Electric Co. COMMON 291011104 2,065 21,918 SH   SOLE   21,068 0 850
EMQQ Emerging Markets Intrnt & Ecmrc ETF ETF 301505889 364 7,331 SH   SOLE   7,331 0 0
Enterprise Products Prtn LP COMMON 293792107 19 866 SH   SOLE   866 0 0
Equinix Inc New COMMON 29444U700 6 7 SH   SOLE   7 0 0
Equity Residential Prop. REIT REIT 29476L107 357 4,409 SH   SOLE   4,409 0 0
Essential utilities ord COMMON 29670G102 130 2,830 SH   SOLE   2,830 0 0
ETFMG Alternative Harvest ETF ETF 26924G508 54 3,731 SH   SOLE   3,731 0 0
Etho Climate Leader US ETF ETF 26924G888 126 2,127 SH   SOLE   2,127 0 0
Everest Re Group Ltd COMMON G3223R108 1 3 SH   SOLE   3 0 0
Eversource Energy COMMON 30040W108 31 379 SH   SOLE   379 0 0
Exelon Corp. COMMON 30161N101 24 489 SH   SOLE   489 0 0
Expeditors Int'l of Washington COMMON 302130109 84 703 SH   SOLE   703 0 0
Exxon Mobil Corporation COMMON 30231G102 1,221 20,756 SH   SOLE   19,289 0 1,467
Facebook Inc Class A COMMON 30303M102 214 632 SH   SOLE   632 0 0
Fedex Corporation COMMON 31428X106 1,451 6,616 SH   SOLE   6,481 0 135
Fidelity MSCI Health Care ETF ETF 316092600 50 785 SH   SOLE   785 0 0
Fidelity MSCI Utilities ETF ETF 316092865 25 613 SH   SOLE   613 0 0
First Bancorp Inc Me COMMON 31866P102 17 600 SH   SOLE   600 0 0
First Solar Inc COMMON 336433107 1,217 12,754 SH   SOLE   12,754 0 0
Fiserv, Inc. COMMON 337738108 16 150 SH   SOLE   150 0 0
Flowers Foods Inc COMMON 343498101 5 218 SH   SOLE   218 0 0
Fortinet Inc COMMON 34959E109 121 415 SH   SOLE   415 0 0
Gallagher Arthur J & Co COMMON 363576109 123 828 SH   SOLE   828 0 0
General Electric Co. COMMON 369604301 725 7,041 SH   SOLE   6,699 0 342
General Mills, Inc. COMMON 370334104 105 1,752 SH   SOLE   1,752 0 0
General Motors COMMON 37045V100 3 63 SH   SOLE   63 0 0
Genuine Parts Co COMMON 372460105 41 337 SH   SOLE   337 0 0
Gilat Satellite Networks Ltd COMMON 001082510 80 8,852 SH   SOLE   8,852 0 0
Gilead Sciences Inc COMMON 375558103 339 4,847 SH   SOLE   4,847 0 0
Glaxo Smithkline ADR ADR 37733W105 17 455 SH   SOLE   455 0 0
Global X S&P 500 Catholic Values ETF ETF 37954Y889 129 2,384 SH   SOLE   2,384 0 0
Goldman Sachs Group Inc COMMON 38141G104 388 1,026 SH   SOLE   1,026 0 0
Goodyear Tire & Rubber COMMON 382550101 54 3,045 SH   SOLE   3,045 0 0
Halliburton Company COMMON 406216101 32 1,473 SH   SOLE   1,473 0 0
Hanesbrands Inc. COMMON 410345102 1,110 64,672 SH   SOLE   62,032 0 2,640
Hannon Armstrong Sus REIT REIT 41068X100 22 418 SH   SOLE   418 0 0
Harsco COMMON 415864107 26 1,510 SH   SOLE   1,510 0 0
Hershey Foods Corp COMMON 427866108 154 910 SH   SOLE   910 0 0
Hewlett Packard Ente COMMON 42824C109 17 1,200 SH   SOLE   1,200 0 0
Home Depot COMMON 437076102 261 795 SH   SOLE   795 0 0
Honeywell International COMMON 438516106 1,472 6,935 SH   SOLE   6,726 0 209
HP Inc COMMON 40434L105 34 1,255 SH   SOLE   1,255 0 0
HSBC Holdings PLC ADR ADR 404280406 21 809 SH   SOLE   809 0 0
Humana COMMON 444859102 430 1,104 SH   SOLE   1,104 0 0
IBM Corp. COMMON 459200101 2,298 16,540 SH   SOLE   15,904 0 636
Idexx Labs Inc. COMMON 45168D104 22 35 SH   SOLE   35 0 0
Illinois Tool Works COMMON 452308109 181 876 SH   SOLE   876 0 0
Imperial Oil Ltd COMMON 453038408 110 3,475 SH   SOLE   3,475 0 0
India Fund COMMON 454089103 43 1,870 SH   SOLE   1,870 0 0
Ingersoll Rand Inc COMMON 45687V106 23 454 SH   SOLE   454 0 0
Ingredion Incorporated COMMON 457187102 220 2,471 SH   SOLE   2,471 0 0
Integer Holdings Corp COMMON 45826H109 1,038 11,616 SH   SOLE   11,341 0 275
Intel Corp. COMMON 458140100 937 17,579 SH   SOLE   17,579 0 0
Intercontinental Exchange, Inc. COMMON 45866F104 6 50 SH   SOLE   50 0 0
International Paper COMMON 460146103 15 275 SH   SOLE   275 0 0
Intuit COMMON 461202103 23 42 SH   SOLE   42 0 0
Intuitive Surgical COMMON 46120E602 5 5 SH   SOLE   5 0 0
Invesco Global Water ETF ETF 46138E651 12 300 SH   SOLE   300 0 0
Iqvia Hldgs Inc COMMON 46266C105 9 36 SH   SOLE   36 0 0
Iron Mountain Inc REIT REIT 46284V101 102 2,357 SH   SOLE   2,357 0 0
iShares 0-5 Year Invmt Grade Corp Bd ETF ETF 46434V100 31 605 SH   SOLE   605 0 0
iShares 5-10 Yr Corporate Bond ETF ETF 464288638 65 1,080 SH   SOLE   1,080 0 0
iShares Core Dividend Growth ETF ETF 46434V621 421 8,380 SH   SOLE   8,380 0 0
iShares Core MSCI EAFE ETF ETF 46432F842 173 2,326 SH   SOLE   2,326 0 0
iShares Core MSCI ETF ETF 46434G103 80 1,302 SH   SOLE   1,302 0 0
iShares DJ US Financial ETF ETF 464287788 91 1,108 SH   SOLE   1,108 0 0
iShares Dow J Real Estate ETF ETF 464287739 7 67 SH   SOLE   67 0 0
iShares Dow J. Healthcare ETF ETF 464287762 180 654 SH   SOLE   654 0 0
iShares Global Clean Energy ETF 464288224 176 8,134 SH   SOLE   8,134 0 0
Ishares Gold ETF ETF 464285204 657 19,654 SH   SOLE   19,654 0 0
iShares Lehman Agg Bond Fd ETF ETF 464287226 171 1,486 SH   SOLE   1,486 0 0
iShares MSCI EAFE ETF ETF 464287465 468 5,994 SH   SOLE   5,994 0 0
iShares MSCI Emerg Esg ETF ETF 46434G863 442 10,677 SH   SOLE   10,677 0 0
iShares MSCI Emerging Market ETF ETF 464287234 40 802 SH   SOLE   802 0 0
iShares MSCI Taiwan Index ETF ETF 46434G772 183 2,958 SH   SOLE   2,558 0 400
iShares NASDAQ Biotech ETF ETF 464287556 1,076 6,657 SH   SOLE   6,391 0 266
iShares Russell 1000 Growth ETF ETF 464287614 61 223 SH   SOLE   223 0 0
iShares Russell 1000 Val ETF ETF 464287598 4,296 27,446 SH   SOLE   27,446 0 0
iShares Russell 2000 Growth ETF ETF 464287648 49 167 SH   SOLE   167 0 0
Ishares Russell 2000 Value ETF ETF 464287630 24 151 SH   SOLE   151 0 0
iShares Russell Midcap Grth ETF ETF 464287481 81 726 SH   SOLE   726 0 0
iShares S&P 500 Index ETF ETF 464287200 488 1,132 SH   SOLE   1,132 0 0
iShares S&P Midcap 400 Index ETF ETF 464287507 159 605 SH   SOLE   605 0 0
iShares S&P Mid-Cap Grow ETF ETF 464287606 31 396 SH   SOLE   396 0 0
iShares S&P Sm Cap Idx 600 ETF ETF 464287804 304 2,780 SH   SOLE   2,054 0 726
iShares S&P U S Pfd Stk ETF ETF 464288687 6 153 SH   SOLE   153 0 0
iShares Select Dividend Idx ETF ETF 464287168 107 932 SH   SOLE   932 0 0
iShares Short-Term Nat. Muni Bond ETF ETF 464288158 228 2,122 SH   SOLE   2,122 0 0
iShares TIPS Bond ETF ETF 464287176 1,340 10,495 SH   SOLE   9,958 0 537
iShares Tr China 25 Index ETF ETF 464287184 9 228 SH   SOLE   228 0 0
iShares Tr DJ U S Tech Sector ETF ETF 464287721 208 2,052 SH   SOLE   2,052 0 0
iShares Tr S&P Europe 350 ETF ETF 464287861 16 300 SH   SOLE   300 0 0
Ishares Tr Sh Tr Corporate ETF ETF 464288646 29 524 SH   SOLE   524 0 0
Jacobs Engineering Group Inc COMMON 469814107 40 303 SH   SOLE   303 0 0
Jazz Pharmaceuticals PLC COMMON G50871105 0 3 SH   SOLE   3 0 0
Johnson & Johnson COMMON 478160104 2,285 14,147 SH   SOLE   13,393 0 754
JP Morgan Chase & Co COMMON 46625H100 3,111 19,007 SH   SOLE   18,125 0 882
JPMorgan Equity Premium Income ETF ETF 46641Q332 103 1,728 SH   SOLE   1,728 0 0
Kansas City Southern COMMON 485170302 55 202 SH   SOLE   202 0 0
Kimberly-Clark Corp. COMMON 494368103 230 1,735 SH   SOLE   1,735 0 0
Kinder Morgan Inc. COMMON 49456B101 2 148 SH   SOLE   148 0 0
KLA-Tencor Corporation COMMON 482480100 71 211 SH   SOLE   211 0 0
Kon Philips Electric NV COMMON 500472303 139 3,134 SH   SOLE   3,134 0 0
Kraft Heinz Company COMMON 500754106 1,227 33,315 SH   SOLE   32,135 0 1,180
KraneShares CSI China Internet ETF ETF 500767306 262 5,530 SH   SOLE   5,530 0 0
Laboratory Corp of America Hlds COMMON 50540R409 249 883 SH   SOLE   788 0 95
Lam Research COMMON 512807108 10 18 SH   SOLE   18 0 0
Lauder Estee Co COMMON 518439104 7 25 SH   SOLE   25 0 0
Lear Corp COMMON 521865204 2 15 SH   SOLE   15 0 0
LHC Group Inc COMMON 50187A107 1,098 7,000 SH   SOLE   7,000 0 0
Liberty Broadband Corp COMMON 530307305 32 183 SH   SOLE   183 0 0
Lincoln National Corp. COMMON 534187109 4 59 SH   SOLE   59 0 0
LIVERAMP HOLDINGS INC COMMON 53815P108 3 56 SH   SOLE   56 0 0
Lockheed Martin COMMON 539830109 47 135 SH   SOLE   135 0 0
Lowes Companies Inc. COMMON 548661107 195 963 SH   SOLE   808 0 155
Lumen Technologies Inc COMMON 550241103 74 5,951 SH   SOLE   5,951 0 0
M K S Instruments Inc. COMMON 55306N104 1,007 6,676 SH   SOLE   6,676 0 0
Main Street Capital Corp COMMON 56035L104 10 250 SH   SOLE   250 0 0
Marathon Petroleum Corp COMMON 56585A102 105 1,706 SH   SOLE   1,706 0 0
Marsh & McLennan Co's COMMON 571748102 25 163 SH   SOLE   163 0 0
Mastercard Inc COMMON 57636Q104 83 239 SH   SOLE   239 0 0
Match Group Ord COMMON 57667L107 2 12 SH   SOLE   12 0 0
McDonald's Corp COMMON 580135101 511 2,118 SH   SOLE   2,118 0 0
McKesson Corp. COMMON 58155Q103 1,398 7,012 SH   SOLE   6,608 0 404
Medallia Inc COMMON 584021109 22 657 SH   SOLE   657 0 0
Medtronic Inc. COMMON G5960L103 2,206 17,599 SH   SOLE   17,093 0 506
MercadoLibre Inc COMMON 58733R102 7 4 SH   SOLE   4 0 0
Merck COMMON 58933Y105 3,190 42,475 SH   SOLE   40,888 0 1,587
Metlife Inc. COMMON 59156R108 23 376 SH   SOLE   376 0 0
Microchip Technology Inc. COMMON 595017104 7 45 SH   SOLE   45 0 0
Micron Technology COMMON 595112103 22 306 SH   SOLE   306 0 0
Microsoft COMMON 594918104 11,044 39,173 SH   SOLE   38,180 0 993
Moderna Inc COMMON 60770K107 5 13 SH   SOLE   13 0 0
Mondelez Int'l Inc. COMMON 609207105 763 13,115 SH   SOLE   12,660 0 455
Morgan Stanley Dean Witter COMMON 617446448 31 319 SH   SOLE   319 0 0
Murphy USA Inc COMMON 626755102 9 55 SH   SOLE   55 0 0
National Grid Plc ADR ADR 636274409 304 5,102 SH   SOLE   5,102 0 0
National Storage Aff REIT REIT 637870106 13 250 SH   SOLE   250 0 0
NCR Corporation COMMON 62886E108 1,546 39,892 SH   SOLE   38,756 0 1,136
Netflix Inc. COMMON 64110L106 7 12 SH   SOLE   12 0 0
Nextera Energy COMMON 65339F101 521 6,638 SH   SOLE   6,638 0 0
Nike, Inc. COMMON 654106103 168 1,157 SH   SOLE   1,157 0 0
Norfolk Southern COMMON 655844108 328 1,370 SH   SOLE   1,370 0 0
Northrop Grumman Corp COMMON 666807102 39 107 SH   SOLE   107 0 0
Novartis Ag ADR ADR 66987V109 70 857 SH   SOLE   857 0 0
Nucor Corp COMMON 670346105 18 183 SH   SOLE   183 0 0
Nutrien Ltd COMMON 67077M108 106 1,629 SH   SOLE   1,629 0 0
Nuveen AMT-Free Municipal Income Fund ETF 670657105 8 500 SH   SOLE   500 0 0
Nuveen Muni Value Fd Inc. ETF 670928100 75 6,640 SH   SOLE   6,640 0 0
Nvent Electric Plc Shs COMMON G6700G107 19 575 SH   SOLE   575 0 0
Nvidia Corp COMMON 67066G104 2 8 SH   SOLE   8 0 0
Occidental Petroleum Corp. COMMON 674599105 5 175 SH   SOLE   175 0 0
Omnicom Group Inc COMMON 681919106 8 107 SH   SOLE   107 0 0
Oneok Inc New COMMON 682680103 652 11,237 SH   SOLE   11,237 0 0
Oracle COMMON 68389X105 115 1,325 SH   SOLE   1,325 0 0
Organon & Co COMMON 68622V106 8 244 SH   SOLE   244 0 0
OTIS Worldwide Corp-Wi COMMON 68902V107 105 1,276 SH   SOLE   1,276 0 0
P P G Industries Inc. COMMON 693506107 233 1,629 SH   SOLE   1,629 0 0
Parker Hannifin Corp COMMON 701094104 159 570 SH   SOLE   570 0 0
Paychex Inc. COMMON 704326107 2 20 SH   SOLE   20 0 0
Paypal Holdings COMMON 70450Y103 25 95 SH   SOLE   95 0 0
Pentair PLC COMMON G7S00T104 1 16 SH   SOLE   16 0 0
Peoples United Finl Inc COMMON 712704105 2,241 128,273 SH   SOLE   126,621 0 1,652
Pepsico, Inc. COMMON 713448108 649 4,318 SH   SOLE   4,318 0 0
Pfizer Inc. COMMON 717081103 4,419 102,736 SH   SOLE   100,580 0 2,156
Philip Morris Intl Inc COMMON 718172109 127 1,345 SH   SOLE   1,345 0 0
Phillips 66 SHS COMMON 718546104 372 5,316 SH   SOLE   5,316 0 0
PIMCO Enhanced Short Maturity Active ETF ETF 72201R833 300 2,947 SH   SOLE   2,947 0 0
PIMCO Intermediate Muni Bond ETF ETF 72201R866 1,704 30,236 SH   SOLE   25,299 0 4,937
Plantronics Inc COMMON 727493108 155 6,048 SH   SOLE   6,048 0 0
PNC Financial Services Group Inc. COMMON 693475105 313 1,602 SH   SOLE   1,602 0 0
Powershares FTSE RAFI ETF ETF 46137V613 100 635 SH   SOLE   635 0 0
Powershares Global Water Fund ETF ETF 46137V142 47 867 SH   SOLE   867 0 0
Powershares S&P Etf ETF 46138E354 10 162 SH   SOLE   162 0 0
PPL Corporation COMMON 69351T106 16 566 SH   SOLE   566 0 0
Principal Financial Grp COMMON 74251V102 2 35 SH   SOLE   35 0 0
Procter & Gamble COMMON 742718109 1,884 13,474 SH   SOLE   13,016 0 458
Prudential Financial Inc. COMMON 744320102 2 22 SH   SOLE   22 0 0
Public Storage, Inc. COMMON 74460D109 101 339 SH   SOLE   339 0 0
Public Sv Enterprise COMMON 744573106 209 3,427 SH   SOLE   3,427 0 0
Qorvo Inc COMMON 74736K101 2,213 13,236 SH   SOLE   13,236 0 0
Qualcomm Inc. COMMON 747525103 22 174 SH   SOLE   174 0 0
Raytheon Technologies Ord COMMON 75513E901 311 3,621 SH   SOLE   3,621 0 0
Regeneron Pharmaceuticals Inc COMMON 75886F107 1 1 SH   SOLE   1 0 0
Republic Services Inc COMMON 760759100 64 537 SH   SOLE   537 0 0
Rockwell Automation COMMON 773903109 234 795 SH   SOLE   795 0 0
Roper Industries Inc COMMON 776696106 749 1,679 SH   SOLE   1,640 0 39
Roundhill Acquirers Deep Value ETF ETF 26922A701 34 975 SH   SOLE   975 0 0
Royal Dutch Shell ADR ADR 780259206 446 10,007 SH   SOLE   10,007 0 0
Royce Micro-Cap Trust COMMON 780915104 36 3,152 SH   SOLE   3,152 0 0
Rydex S&P 500 Eq Wgt ETF ETF 46137V357 22 145 SH   SOLE   145 0 0
S & P Global Inc COMMON 78409V104 6 13 SH   SOLE   13 0 0
Sabre Corporation COMMON 78573M104 241 20,326 SH   SOLE   20,326 0 0
Salesforce Com COMMON 79466L302 126 465 SH   SOLE   465 0 0
Schlumberger Limited COMMON 806857108 1,288 43,440 SH   SOLE   43,440 0 0
Schwab Emerging Mkt ETF ETF 808524706 94 3,072 SH   SOLE   3,072 0 0
Schwab Intermediate US Treasury ETF ETF 808524854 236 4,163 SH   SOLE   4,160 0 3
Schwab Int'l Equity ETF ETF 808524805 13,041 336,974 SH   SOLE   336,854 0 120
Schwab Large Cap Value Indx ETF ETF 808524409 94 1,390 SH   SOLE   1,390 0 0
Schwab Short-Term US Treasury ETF ETF 808524862 97 1,889 SH   SOLE   1,889 0 0
Schwab U.S. Bond ETF ETF 808524839 429 7,899 SH   SOLE   7,899 0 0
Schwab U.S. Broad Market ETF ETF 808524102 78,942 760,080 SH   SOLE   756,006 0 4,074
Schwab U.S. Tips ETF ETF 808524870 255 4,077 SH   SOLE   4,077 0 0
Seagate Technology PLC COMMON G7997R103 5,355 64,891 SH   SOLE   62,336 0 2,555
Sector SPDR Tech Select Shares COMMON 81369Y803 348 2,331 SH   SOLE   2,331 0 0
Sempra Energy COMMON 816851109 19 151 SH   SOLE   151 0 0
ServiceNow Inc COMMON 81762P102 205 329 SH   SOLE   329 0 0
Sherwin Williams COMMON 824348106 3 12 SH   SOLE   12 0 0
Shopify Inc COMMON 82509L107 3 2 SH   SOLE   2 0 0
Skywest Inc COMMON 830879102 217 4,400 SH   SOLE   4,400 0 0
Skyworks Solutions Inc. COMMON 83088M102 69 421 SH   SOLE   421 0 0
Snap Inc COMMON 83304A106 8 102 SH   SOLE   102 0 0
Sonoco Products COMMON 835495102 249 4,182 SH   SOLE   3,415 0 767
Sony Group Corp COMMON 835699307 2,038 18,427 SH   SOLE   17,893 0 534
Southern Company COMMON 842587107 360 5,814 SH   SOLE   5,814 0 0
SPDR Consumer Disc Select ETF ETF 81369Y407 54 302 SH   SOLE   302 0 0
SPDR Dow Jones Ind Avg ETF ETF 78467X109 101 300 SH   SOLE   300 0 0
SPDR Gold Trust ETF ETF 78463V107 1,667 10,153 SH   SOLE   10,153 0 0
SPDR S&P 500 ETF ETF 78462F103 1,413 3,294 SH   SOLE   2,380 0 914
SPDR S&P 500 Fossil Fl Fr ETF ETF 78468R796 1,493 14,056 SH   SOLE   14,056 0 0
SPDR S&P 600 Small Cap ETF ETF 78464A300 58 706 SH   SOLE   706 0 0
SPDR S&P Biotech ETF ETF 78464A870 1,338 10,647 SH   SOLE   10,647 0 0
SPDR S&P Dividend ETF ETF 78464A763 141 1,203 SH   SOLE   1,203 0 0
SPDR S&P Mid Cap 400 ETF ETF 78467Y107 240 500 SH   SOLE   300 0 200
SPDR Utility Select Sec ETF ETF 81369Y886 47 742 SH   SOLE   742 0 0
SPDR S&P Regional Banking ETF ETF 78464A698 19 275 SH   SOLE   275 0 0
Splunk Inc COMMON 848637104 1,381 9,542 SH   SOLE   9,542 0 0
Spotify Technology SA COMMON L8681T102 9 40 SH   SOLE   40 0 0
Standex Int'l Corp. COMMON 854231107 51 520 SH   SOLE   520 0 0
Starbucks COMMON 855244109 1,754 15,898 SH   SOLE   15,578 0 320
State Street Corp. COMMON 857477103 100 1,184 SH   SOLE   1,184 0 0
Stericycle Inc COMMON 858912108 1,133 16,671 SH   SOLE   16,671 0 0
Steris Corp. COMMON G8473T100 306 1,500 SH   SOLE   1,500 0 0
Stitch Fix Inc COMMON 860897107 14 345 SH   SOLE   345 0 0
Stryker Corp. COMMON 863667101 40 150 SH   SOLE   150 0 0
Suncor Energy Inc. COMMON 867224107 7 324 SH   SOLE   324 0 0
Synchrony Financial COMMON 87165B103 503 10,284 SH   SOLE   10,284 0 0
Sysco Corp. COMMON 871829107 130 1,658 SH   SOLE   1,658 0 0
Taiwan Semiconductor ADR ADR 874039100 6,699 59,999 SH   SOLE   58,382 0 1,617
Take Two Interactv Sftwr COMMON 874054109 4 28 SH   SOLE   28 0 0
Target Corp. COMMON 87612E106 129 563 SH   SOLE   563 0 0
Tata Motors Ltd ADR ADR 876568502 554 24,735 SH   SOLE   24,735 0 0
Teradata Corp COMMON 88076W103 109 1,893 SH   SOLE   1,893 0 0
Tesla Motors COMMON 88160R101 2 3 SH   SOLE   3 0 0
Teva Pharma Ind ADR ADR 881624209 45 4,606 SH   SOLE   4,606 0 0
Texas Instruments Inc. COMMON 882508104 111 576 SH   SOLE   576 0 0
The Charles Schwab Corp. COMMON 808513105 7,974 109,473 SH   SOLE   106,140 0 3,333
The Travelers Companies Inc. COMMON 89417E109 745 4,904 SH   SOLE   4,904 0 0
Thermo Fisher Scientific COMMON 883556102 533 933 SH   SOLE   933 0 0
Thomson Reuters Corp COMMON 884903709 176 1,595 SH   SOLE   1,595 0 0
Thor Industries Inc COMMON 885160101 1,068 8,696 SH   SOLE   8,696 0 0
T-Mobile US Inc COMMON 872590104 7 51 SH   SOLE   51 0 0
Toronto-Dominion Bank COMMON 891160509 797 12,047 SH   SOLE   12,047 0 0
TPI Composites Inc COMMON 87266J104 578 17,135 SH   SOLE   16,551 0 584
Trane Technologies PLC COMMON G8994E103 267 1,545 SH   SOLE   1,545 0 0
TransCanada Corp. COMMON 87807B107 11 220 SH   SOLE   220 0 0
Travel Leisure Ord COMMON 894164102 27 487 SH   SOLE   487 0 0
Truist Finl Corp Com COMMON 89832Q109 5 78 SH   SOLE   78 0 0
Tyson Foods Inc Class A COMMON 902494103 3 33 SH   SOLE   33 0 0
U S Bancorp COMMON 902973304 74 1,250 SH   SOLE   1,250 0 0
Uber Technologies Inc COMMON 90353T100 65 1,456 SH   SOLE   1,456 0 0
UDR Inc COMMON 902653104 81 1,534 SH   SOLE   1,534 0 0
Unilever PLC ADR ADR 904767704 161 2,968 SH   SOLE   2,968 0 0
Union Pacific COMMON 907818108 232 1,185 SH   SOLE   961 0 224
United Continental Holdings Inc COMMON 910047109 9 183 SH   SOLE   183 0 0
United Parcel Service COMMON 911312106 83 454 SH   SOLE   454 0 0
Unitedhealth Group Inc. COMMON 91324P102 65 167 SH   SOLE   167 0 0
Unum Provident Corp. COMMON 91529Y106 141 5,615 SH   SOLE   5,615 0 0
Valero Energy COMMON 91913Y100 1,302 18,444 SH   SOLE   17,635 0 809
Valvoline Inc COMMON 92047W101 1 33 SH   SOLE   33 0 0
Vaneck Vectors Gold Miners ETF ETF 92189F106 1,372 46,564 SH   SOLE   46,564 0 0
Vangard Russell 2000 ETF ETF 92206C664 34 386 SH   SOLE   386 0 0
Vanguard 500 ETF ETF 922908363 1,047 2,655 SH   SOLE   2,655 0 0
Vanguard Corp Bond ETF ETF 92206C409 4 54 SH   SOLE   54 0 0
Vanguard Developed Market ETF ETF 921943858 24,997 495,081 SH   SOLE   490,409 0 4,672
Vanguard Div Appreciation ETF ETF 921908844 640 4,169 SH   SOLE   4,169 0 0
Vanguard Emerging Market ETF ETF 922042858 14,340 286,737 SH   SOLE   284,310 0 2,427
Vanguard ESG International Stock ETF ETF 921910725 5,287 85,634 SH   SOLE   85,634 0 0
Vanguard ESG US Corporate Bond ETF ETF 921910691 3,716 50,366 SH   SOLE   50,366 0 0
Vanguard ESG US Stock ETF ETF 921910733 7,167 89,520 SH   SOLE   89,520 0 0
Vanguard FTSE All World ex US ETF ETF 922042775 315 5,168 SH   SOLE   5,168 0 0
Vanguard FTSE Pacific ETF ETF 922042866 7 91 SH   SOLE   91 0 0
Vanguard Growth ETF ETF 922908736 1,367 4,711 SH   SOLE   4,711 0 0
Vanguard High Dividend Yd ETF ETF 921946406 90 872 SH   SOLE   872 0 0
Vanguard Info Technology ETF ETF 92204A702 78 194 SH   SOLE   194 0 0
Vanguard Interm-Temp Corp Bd ETF ETF 92206C870 4 45 SH   SOLE   45 0 0
Vanguard Large-Cap ETF ETF 922908637 9 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 61 440 SH   SOLE   440 0 0
Vanguard Mid-Cap Growth ETF ETF 922908538 39 167 SH   SOLE   167 0 0
Vanguard Muni Bond ETF ETF 922907746 3,764 68,724 SH   SOLE   60,895 0 7,829
Vanguard REIT ETF ETF 922908553 154 1,517 SH   SOLE   1,517 0 0
Vanguard Short-Term Bond ETF ETF 921937827 3,007 36,702 SH   SOLE   36,083 0 619
Vanguard Short-Term Treasury ETF ETF 92206C102 1,310 21,331 SH   SOLE   21,331 0 0
Vanguard Sh-Tm Inflat- Prot ETF ETF 922020805 186 3,533 SH   SOLE   3,533 0 0
Vanguard Small Cap Etf ETF 922908751 32 145 SH   SOLE   145 0 0
Vanguard Small Cap Growth ETF ETF 922908595 37 133 SH   SOLE   133 0 0
Vanguard Small Cap Value ETF ETF 922908611 57 335 SH   SOLE   335 0 0
Vanguard Total Int'l Bond Market ETF ETF 92203J407 16,847 295,763 SH   SOLE   292,539 0 3,224
Vanguard Total Stk Mkt ETF ETF 922908769 2,902 13,068 SH   SOLE   13,068 0 0
Vanguard Total U.S. Bond Market ETF ETF 921937835 31,777 371,876 SH   SOLE   368,717 0 3,159
Vanguard Total World Stock ETF ETF 922042742 10 102 SH   SOLE   102 0 0
Vanguard Value Index ETF ETF 922908744 182 1,348 SH   SOLE   1,348 0 0
Vector Group Ltd COMMON 92240M108 8 609 SH   SOLE   609 0 0
Ventas REIT Inc REIT 92276F100 1,484 26,884 SH   SOLE   26,419 0 465
Verizon Communications Inc. COMMON 92343V104 3,943 73,000 SH   SOLE   70,927 0 2,073
Vgrd Ftse All Wrld Ex US ETF ETF 922042718 11 79 SH   SOLE   79 0 0
VIACOMCBS CL COMMON 92556H206 17 432 SH   SOLE   432 0 0
VictoryShares Nasdaq Next 50 ETF ETF 92647X806 80 2,455 SH   SOLE   2,455 0 0
Visa Inc COMMON 92826C839 2,175 9,763 SH   SOLE   9,585 0 178
Vistra Energy Corp COMMON 92840M102 80 4,695 SH   SOLE   4,695 0 0
Vodafone Group ADR ADR 92857W308 974 63,033 SH   SOLE   62,088 0 945
Vornado Realty Trust Reit REIT 929042109 12 290 SH   SOLE   290 0 0
W. P. Carey & Co. LLC COMMON 92936U109 176 2,415 SH   SOLE   2,415 0 0
Walgreens Boots Alli COMMON 931427108 38 800 SH   SOLE   800 0 0
Wal-Mart Stores COMMON 931142103 422 3,025 SH   SOLE   3,025 0 0
Walt Disney Hldg COMMON 254687106 2,214 13,089 SH   SOLE   12,966 0 123
Wash Real Est Inv Tr MD REIT REIT 939653101 174 7,035 SH   SOLE   7,035 0 0
Watsco Inc COMMON 942622200 2 8 SH   SOLE   8 0 0
Watts Water Technologies COMMON 942749102 156 931 SH   SOLE   573 0 358
WEC Energy Group COMMON 92939U106 348 3,947 SH   SOLE   3,947 0 0
Wells Fargo & Co COMMON 949746101 33 702 SH   SOLE   702 0 0
Welltower Inc REIT REIT 95040Q104 124 1,500 SH   SOLE   1,500 0 0
Western Digital Corp. COMMON 958102105 190 3,364 SH   SOLE   3,364 0 0
Western Union Co COMMON 959802109 761 37,654 SH   SOLE   36,219 0 1,435
Westpac Banking ADR ADR 961214301 90 4,875 SH   SOLE   4,875 0 0
Weyerhaeuser Company COMMON 962166104 1,115 31,357 SH   SOLE   30,645 0 712
Whirlpool COMMON 963320106 1,865 9,147 SH   SOLE   9,147 0 0
WisdomTree Emerg Mk SmCap ETF ETF 97717W281 395 7,394 SH   SOLE   6,310 0 1,084
WisdomTree EmMkts ex-Stt-Ownd EntrprsETF ETF 97717X578 18 475 SH   SOLE   475 0 0
Wisdomtree Japan SmCap Div ETF ETF 97717W836 48 620 SH   SOLE   620 0 0
Wolverine World Wide Inc. COMMON 978097103 983 32,949 SH   SOLE   32,549 0 400
WPP COMMON 92937A102 2,947 43,964 SH   SOLE   43,421 0 543
Wyndham Hotels & Resorts Inc COMMON 98311A105 38 487 SH   SOLE   487 0 0
Xcel Energy Inc. COMMON 98389B100 114 1,818 SH   SOLE   1,818 0 0
Xylem Inc COMMON 98419M100 186 1,501 SH   SOLE   1,501 0 0
Yum China Hldgs Inc Com COMMON 98850P109 1,409 24,244 SH   SOLE   24,018 0 226
Zimmer Biomet Holdings Inc. COMMON 98956P102 22 153 SH   SOLE   153 0 0
Zoetis Inc COMMON 98978V103 4 22 SH   SOLE   22 0 0
Zoom video communications-A COMMON 98980L101 60 230 SH   SOLE   230 0 0