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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COMMON 88579Y101   48 454 SH   SOLE   454 0 0
A F L A C Inc. COMMON 001055102   85 1,318 SH   SOLE   1,318 0 0
A O N Corporation COMMON G0403H108   32 100 SH   SOLE   100 0 0
Abbott Laboratories COMMON 002824100   1,170 11,556 SH   SOLE   11,556 0 0
AbbVie Inc. COMMON 00287Y109   1,293 8,111 SH   SOLE   8,111 0 0
Aberdeen Asia Pac Income Fd COMMON 003009107   107 40,073 SH   SOLE   40,073 0 0
Aberdeen Physical Swiss Gold ETF ETF 00326A104   8 400 SH   SOLE   400 0 0
Accenture Ltd Cl A F COMMON G1151C101   121 422 SH   SOLE   347 0 75
ACNB Corporation COMMON 000868109   20 625 SH   SOLE   625 0 0
Activision Inc. COMMON 00507V109   245 2,857 SH   SOLE   2,857 0 0
Adobe Systems Inc. COMMON 00724F101   66 171 SH   SOLE   171 0 0
Advanced Micro Devices COMMON 007903107   185 1,890 SH   SOLE   1,890 0 0
Air Products & Chemicals Inc. COMMON 009158106   748 2,606 SH   SOLE   2,606 0 0
Alerus Finl Corp COMMON 01446U103   4 226 SH   SOLE   226 0 0
Allegion Public Ltd Co COMMON G0176J109   21 200 SH   SOLE   200 0 0
Alliant Energy Corp COMMON 018802108   612 11,464 SH   SOLE   11,464 0 0
Allstate COMMON 020002101   243 2,189 SH   SOLE   2,189 0 0
Alphabet, Inc Cl C COMMON 02079K107   3,022 29,056 SH   SOLE   28,216 0 840
Alphabet, Inc. Cl A COMMON 02079K305   2,988 28,809 SH   SOLE   27,430 0 1,379
Altria Group Inc. COMMON 02209S103   28 634 SH   SOLE   634 0 0
Amazon.Com COMMON 023135106   2,545 24,641 SH   SOLE   23,666 0 975
Amer Electric Pwr Co Inc COMMON 025537101   36 395 SH   SOLE   395 0 0
America Movil L ADR ADR 02390A101   76 3,600 SH   SOLE   3,600 0 0
American Express Company COMMON 025816109   413 2,502 SH   SOLE   2,502 0 0
Ameriprise Financial Inc. COMMON 03076C106   33 109 SH   SOLE   109 0 0
Amerisource Bergen Corp. COMMON 03073E105   28 172 SH   SOLE   172 0 0
Amgen Incorporated COMMON 031162100   348 1,439 SH   SOLE   1,439 0 0
Amkor Technology Inc COMMON 031652100   1,002 38,495 SH   SOLE   38,495 0 0
Anheuser Busch Co., Inc. COMMON 03524A108   9 136 SH   SOLE   136 0 0
Anthem Inc COMMON 036752103   117 255 SH   SOLE   255 0 0
Apple Inc. COMMON 037833100   5,068 30,734 SH   SOLE   29,637 0 1,097
Applied Materials COMMON 038222105   58 474 SH   SOLE   474 0 0
AptarGroup, Inc COMMON 038336103   1,046 8,852 SH   SOLE   8,644 0 208
Archer-Daniels-Midland Inc. COMMON 039483102   229 2,877 SH   SOLE   2,064 0 813
ARK Next Generation Internet ETF ETF 00214Q401   5 98 SH   SOLE   98 0 0
Arrowhead Pharma Inc COMMON 04280A100   8 320 SH   SOLE   320 0 0
Astec Industries COMMON 046224101   139 3,378 SH   SOLE   3,378 0 0
AstraZeneca plc ADR ADR 046353108   1,140 16,421 SH   SOLE   16,421 0 0
AT&T Inc. COMMON 00206R102   644 33,442 SH   SOLE   33,442 0 0
Atmos Energy Corp COMMON 049560105   17 150 SH   SOLE   150 0 0
Auto Data Processing COMMON 053015103   269 1,209 SH   SOLE   1,209 0 0
Avery Dennison COMMON 053611109   37 208 SH   SOLE   208 0 0
Baidu Inc ADR ADR 056752108   158 1,044 SH   SOLE   1,044 0 0
Bank of America Corp COMMON 060505104   56 1,947 SH   SOLE   1,947 0 0
Bank of New York Mellon COMMON 064058100   73 1,602 SH   SOLE   1,602 0 0
Baxter International COMMON 071813109   307 7,572 SH   SOLE   7,572 0 0
BCE Inc. COMMON 05534B760   155 3,453 SH   SOLE   2,750 0 703
Becton Dickinson & Co COMMON 075887109   140 567 SH   SOLE   567 0 0
Berkshire Hathaway Cl B COMMON 084670702   4,908 15,894 SH   SOLE   15,068 0 826
Best Buy Inc. COMMON 086516101   13 169 SH   SOLE   169 0 0
Biogen Idec Inc COMMON 09062X103   167 601 SH   SOLE   601 0 0
Blackrock Ehncd Eqty Div COMMON 09251A104   9 1,100 SH   SOLE   1,100 0 0
Blackrock Inc COMMON 09247X101   99 148 SH   SOLE   148 0 0
Blackstone Group Lp COMMON 09260D107   13 148 SH   SOLE   148 0 0
Blkrck Muniyield Qlty Fd COMMON 09254F100   15 1,300 SH   SOLE   1,300 0 0
Boeing Co. COMMON 097023105   3,387 15,944 SH   SOLE   15,944 0 0
Booking Holdings Inc COMMON 09857L108   11 4 SH   SOLE   4 0 0
Borg Warner Inc COMMON 099724106   762 15,511 SH   SOLE   15,511 0 0
BP plc ADR ADR 055622104   20 528 SH   SOLE   528 0 0
Bristol Myers COMMON 110122108   2,429 35,049 SH   SOLE   35,049 0 0
Broadcom Ltd COMMON 11135F101   97 151 SH   SOLE   151 0 0
Broadridge Finl Solution COMMON 11133T103   103 700 SH   SOLE   700 0 0
Cambria Cannabis ETF ETF 132061821   1 100 SH   SOLE   100 0 0
Canadian Natl Ry Co COMMON 136375102   20 167 SH   SOLE   167 0 0
Canadian Pacific COMMON 13645T100   45 582 SH   SOLE   582 0 0
Capital One Financial COMMON 14040H105   70 724 SH   SOLE   724 0 0
Carrier Global Corp-Wi COMMON 14448C104   111 2,422 SH   SOLE   2,422 0 0
Caterpillar COMMON 149123101   1,986 8,678 SH   SOLE   8,678 0 0
CBRE Group Inc COMMON 12504L109   253 3,470 SH   SOLE   3,470 0 0
Charter Communications Inc COMMON 16119P108   89 248 SH   SOLE   248 0 0
Chemed Corp. COMMON 16359R103   1,921 3,573 SH   SOLE   3,573 0 0
Cheniere Energy Inc New COMMON 16411R208   12 73 SH   SOLE   73 0 0
Chevron Corp. COMMON 166764100   706 4,324 SH   SOLE   4,178 0 146
China Automotive Systems Inc COMMON 16936R105   98 18,664 SH   SOLE   18,664 0 0
Chubb Limited COMMON H1467J104   416 2,140 SH   SOLE   1,971 0 169
Cigna Corp COMMON 125523100   214 838 SH   SOLE   838 0 0
Cincinnati Financial Corp COMMON 172062101   44 390 SH   SOLE   390 0 0
Cisco Systems, Inc. COMMON 17275R102   3,320 63,516 SH   SOLE   61,375 0 2,141
Citigroup COMMON 172967424   138 2,944 SH   SOLE   2,944 0 0
Clorox Company COMMON 189054109   16 100 SH   SOLE   100 0 0
CME Group Inc. COMMON 12572Q105   442 2,306 SH   SOLE   2,306 0 0
Coca-Cola Co COMMON 191216100   3,943 63,562 SH   SOLE   61,846 0 1,716
Colgate-Palmolive COMMON 194162103   485 6,460 SH   SOLE   6,460 0 0
Comcast Corp. COMMON 20030N101   254 6,707 SH   SOLE   6,707 0 0
Comerica Incorporated COMMON 200340107   87 2,000 SH   SOLE   2,000 0 0
Community Bank System COMMON 203607106   424 8,086 SH   SOLE   7,186 0 900
Conoco Phillips COMMON 20825C104   683 6,880 SH   SOLE   6,880 0 0
Consolidated Edison Inc. COMMON 209115104   139 1,453 SH   SOLE   1,453 0 0
Constellation Brand Cl Aclass A COMMON 21036P108   27 121 SH   SOLE   121 0 0
Constellation Energy Co. COMMON 21037T109   13 163 SH   SOLE   163 0 0
Corning COMMON 219350105   4,938 139,960 SH   SOLE   138,579 0 1,381
Corp Office Pptys REIT REIT 22002T108   8 343 SH   SOLE   343 0 0
Corteva Inc com COMMON 22052L104   24 405 SH   SOLE   405 0 0
Costco COMMON 22160K105   4,869 9,799 SH   SOLE   9,551 0 248
Crown Castle International Corp COMMON 22822V101   40 301 SH   SOLE   301 0 0
CSX Corp COMMON 126408103   130 4,339 SH   SOLE   4,339 0 0
Cummins Inc COMMON 231021106   25 103 SH   SOLE   103 0 0
CVS Corp COMMON 126650100   1,686 22,693 SH   SOLE   21,924 0 769
Danaher Corp COMMON 235851102   38 150 SH   SOLE   150 0 0
Darden Restaurants Inc COMMON 237194105   36 235 SH   SOLE   235 0 0
Deere & Company COMMON 244199105   1,058 2,563 SH   SOLE   2,563 0 0
Devon Energy Corp COMMON 25179M103   84 1,663 SH   SOLE   1,663 0 0
Diageo PLC ADR ADR 25243Q205   4 24 SH   SOLE   24 0 0
Digital Realty Trust REIT REIT 253868103   136 1,388 SH   SOLE   1,388 0 0
Dominion Energy COMMON 25746U109   1,401 25,066 SH   SOLE   22,886 0 2,180
Dover Corporation COMMON 260003108   55 362 SH   SOLE   362 0 0
Dow In COMMON 260557103   124 2,263 SH   SOLE   2,263 0 0
Dr Reddys Labs ADR ADR 256135203   338 5,935 SH   SOLE   5,935 0 0
Duke Energy Corp. COMMON 26441C204   1,934 20,044 SH   SOLE   20,044 0 0
E Bay Inc. COMMON 278642103   12 275 SH   SOLE   275 0 0
E I DuPont COMMON 26614N102   1,375 19,156 SH   SOLE   19,156 0 0
E O G Resources Inc COMMON 26875P101   15 132 SH   SOLE   132 0 0
East West Bancorp COMMON 27579R104   619 11,150 SH   SOLE   11,150 0 0
Eastman Chemical Co. COMMON 277432100   17 200 SH   SOLE   200 0 0
Eaton Corp. COMMON G29183103   430 2,509 SH   SOLE   2,509 0 0
Echostar Commun Cp Cl A COMMON 25470M109   8 907 SH   SOLE   907 0 0
Ecofin Global Water ESG COMMON 56167N753   37 931 SH   SOLE   931 0 0
Ecolab Inc. COMMON 278865100   42 251 SH   SOLE   251 0 0
Edison International COMMON 281020107   238 3,377 SH   SOLE   3,377 0 0
Edwards Lifesciences Corp COMMON 28176E108   17 202 SH   SOLE   202 0 0
Eli Lilly & Co. COMMON 532457108   1,207 3,515 SH   SOLE   3,515 0 0
Emerson Electric Co. COMMON 291011104   1,581 18,146 SH   SOLE   17,314 0 832
EMQQ Emerging Markets Intrnt & Ecmrc ETF ETF 301505889   132 4,102 SH   SOLE   4,102 0 0
Energy Transfer Equity LP COMMON 29273V100   24 1,952 SH   SOLE   1,952 0 0
Enterprise Products Prtn LP COMMON 293792107   137 5,307 SH   SOLE   5,307 0 0
Equity Residential Prop. REIT REIT 29476L107   194 3,237 SH   SOLE   3,237 0 0
Essential utilities ord COMMON 29670G102   137 3,142 SH   SOLE   3,142 0 0
ETFMG Alternative Harvest ETF ETF 26924G508   2 458 SH   SOLE   458 0 0
Eversource Energy COMMON 30040W108   26 328 SH   SOLE   328 0 0
Expeditors Int'l of Washington COMMON 302130109   75 682 SH   SOLE   682 0 0
Exxon Mobil Corporation COMMON 30231G102   2,149 19,593 SH   SOLE   18,596 0 997
Facebook Inc Class A COMMON 30303M102   88 417 SH   SOLE   417 0 0
Fedex Corporation COMMON 31428X106   1,179 5,160 SH   SOLE   5,160 0 0
Fidelity MSCI Health Care ETF ETF 316092600   44 711 SH   SOLE   0 0 711
Fidelity MSCI Utilities ETF ETF 316092865   27 613 SH   SOLE   0 0 613
Fidus Investment Corp COMMON 316500107   20 1,035 SH   SOLE   1,035 0 0
First Horizon Natl Corp COMMON 320517105   42 2,340 SH   SOLE   2,340 0 0
First Solar Inc COMMON 336433107   2,724 12,522 SH   SOLE   12,522 0 0
First Trust Cloud Computing ETF ETF 33734X192   71 1,059 SH   SOLE   1,059 0 0
First Trust NASDAQ Cybersecurity ETF ETF 33734X846   73 1,710 SH   SOLE   1,710 0 0
First Trust Preferred Sec & Inc ETF ETF 33739E108   206 12,881 SH   SOLE   12,881 0 0
First Trust Senior Loan ETF ETF 33738D309   45 993 SH   SOLE   993 0 0
Fortinet Inc COMMON 34959E109   188 2,825 SH   SOLE   2,825 0 0
GE Healthcare COMMON 36266G107   111 1,350 SH   SOLE   1,236 0 114
General Dynamics Corp. COMMON 369550108   8 33 SH   SOLE   33 0 0
General Electric Co. COMMON 369604301   392 4,105 SH   SOLE   3,763 0 342
General Mills, Inc. COMMON 370334104   150 1,752 SH   SOLE   1,752 0 0
General Motors COMMON 37045V100   18 500 SH   SOLE   500 0 0
Genuine Parts Co COMMON 372460105   42 250 SH   SOLE   250 0 0
Gilat Satellite Networks Ltd COMMON M51474118   51 9,963 SH   SOLE   9,963 0 0
Gilead Sciences Inc COMMON 375558103   169 2,041 SH   SOLE   2,041 0 0
Global X S&P 500 Catholic Values ETF ETF 37954Y889   164 3,265 SH   SOLE   3,265 0 0
GlobalFoundries, Inc COMMON G39387108   5 65 SH   SOLE   65 0 0
Goldman Sachs Group Inc COMMON 38141G104   216 661 SH   SOLE   661 0 0
Halliburton Company COMMON 406216101   80 2,526 SH   SOLE   2,526 0 0
Hanesbrands Inc. COMMON 410345102   83 15,815 SH   SOLE   13,815 0 2,000
Hannon Armstrong Sus REIT REIT 41068X100   12 418 SH   SOLE   418 0 0
Hershey Foods Corp COMMON 427866108   232 913 SH   SOLE   913 0 0
Hess Corporation COMMON 42809H107   52 390 SH   SOLE   390 0 0
Home Depot COMMON 437076102   652 2,210 SH   SOLE   2,210 0 0
Honeywell International COMMON 438516106   2,383 12,470 SH   SOLE   12,177 0 293
Hormel Foods Corp COMMON 440452100   26 640 SH   SOLE   640 0 0
HSBC Holdings PLC ADR ADR 404280406   28 809 SH   SOLE   809 0 0
Humana COMMON 444859102   569 1,172 SH   SOLE   1,172 0 0
IBM Corp. COMMON 459200101   2,677 20,424 SH   SOLE   19,589 0 835
Illinois Tool Works COMMON 452308109   231 950 SH   SOLE   950 0 0
Imperial Oil Ltd COMMON 453038408   166 3,259 SH   SOLE   3,259 0 0
India Fund COMMON 454089103   28 1,870 SH   SOLE   1,870 0 0
Ingersoll Rand Inc COMMON 45687V106   26 454 SH   SOLE   454 0 0
Ingredion Incorporated COMMON 457187102   1,829 17,980 SH   SOLE   17,856 0 124
Integer Holdings Corp COMMON 45826H109   670 8,644 SH   SOLE   8,369 0 275
Intel Corp. COMMON 458140100   465 14,219 SH   SOLE   14,219 0 0
Intercontinental Exchange, Inc. COMMON 45866F104   19 185 SH   SOLE   185 0 0
International Flavors & Fragrances Inc COMMON 459506101   1,276 13,880 SH   SOLE   13,062 0 818
Intuit COMMON 461202103   14 31 SH   SOLE   31 0 0
Intuitive Surgical COMMON 46120E602   18 69 SH   SOLE   69 0 0
Invesco Global Water ETF ETF 46138E651   62 1,764 SH   SOLE   1,764 0 0
Iqvia Hldgs Inc COMMON 46266C105   29 144 SH   SOLE   144 0 0
iShares 0-5 Year Invmt Grade Corp Bd ETF ETF 46434V100   19 400 SH   SOLE   400 0 0
Ishares 20 Yr Treas. Barclays ETF ETF 464287432   37 351 SH   SOLE   351 0 0
iShares 5-10 Yr Corporate Bond ETF ETF 464288638   55 1,080 SH   SOLE   1,080 0 0
iShares Core Dividend Growth ETF ETF 46434V621   407 8,148 SH   SOLE   8,148 0 0
iShares Core International Bond ETF ETF 46435G672   303 6,185 SH   SOLE   6,185 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   24 364 SH   SOLE   0 0 364
iShares Core MSCI ETF ETF 46434G103   369 7,557 SH   SOLE   4,499 0 3,058
iShares DJ US Financial ETF ETF 464287788   79 1,108 SH   SOLE   1,108 0 0
iShares Dow J. Healthcare ETF ETF 464287762   179 654 SH   SOLE   654 0 0
iShares ESG Aware MSCI EAFE ETF ETF 46435G516   287 3,995 SH   SOLE   3,995 0 0
iShares Expanded Tech-Software Sect ETF ETF 464287515   155 508 SH   SOLE   508 0 0
iShares Global Clean Energy ETF 464288224   484 24,483 SH   SOLE   24,483 0 0
Ishares Gold ETF ETF 464285204   778 20,812 SH   SOLE   18,457 0 2,355
iShares Lehman Agg Bond Fd ETF ETF 464287226   934 9,374 SH   SOLE   9,374 0 0
iShares MSCI EAFE ETF ETF 464287465   240 3,360 SH   SOLE   3,360 0 0
iShares MSCI Emerging Market ETF ETF 464287234   18 453 SH   SOLE   0 0 453
iShares MSCI Global Gold Miners ETF ETF 46434G855   59 2,351 SH   SOLE   0 0 2,351
iShares MSCI Taiwan Index ETF ETF 46434G772   73 1,617 SH   SOLE   1,617 0 0
iShares MSCI USA Momentum Factor ETF ETF 46432F396   11 81 SH   SOLE   81 0 0
iShares NASDAQ Biotech ETF ETF 464287556   624 4,833 SH   SOLE   4,432 0 401
iShares Russell 1000 Growth ETF ETF 464287614   51 207 SH   SOLE   207 0 0
iShares Russell 1000 Val ETF ETF 464287598   4,174 27,412 SH   SOLE   27,412 0 0
iShares Russell 2000 Growth ETF ETF 464287648   12 54 SH   SOLE   54 0 0
Ishares Russell 2000 Value ETF ETF 464287630   21 151 SH   SOLE   151 0 0
iShares Russell Midcap Grth ETF ETF 464287481   57 628 SH   SOLE   628 0 0
iShares S&P 500 Index ETF ETF 464287200   444 1,081 SH   SOLE   1,081 0 0
iShares S&P Midcap 400 Index ETF ETF 464287507   151 605 SH   SOLE   434 0 171
iShares S&P Mid-Cap Grow ETF ETF 464287606   28 396 SH   SOLE   396 0 0
iShares S&P Sm Cap Idx 600 ETF ETF 464287804   327 3,380 SH   SOLE   2,452 0 928
iShares Select Dividend Idx ETF ETF 464287168   109 932 SH   SOLE   932 0 0
iShares TIPS Bond ETF ETF 464287176   878 7,965 SH   SOLE   7,181 0 784
iShares Tr China 25 Index ETF ETF 464287184   7 228 SH   SOLE   228 0 0
iShares Tr DJ U S Tech Sector ETF ETF 464287721   190 2,052 SH   SOLE   2,052 0 0
Ishares Tr Sh Tr Corporate ETF ETF 464288646   19 368 SH   SOLE   368 0 0
Jabil Circuit Inc. COMMON 466313103   61 690 SH   SOLE   690 0 0
Jacobs Engineering Group Inc COMMON 46982L108   36 303 SH   SOLE   303 0 0
Jefferies Finl Group Inc COMMON 47233W109   24 760 SH   SOLE   75 0 685
Johnson & Johnson COMMON 478160104   2,099 13,539 SH   SOLE   12,785 0 754
JP Morgan Chase & Co COMMON 46625H100   2,130 16,346 SH   SOLE   15,706 0 640
JPMorgan Ultra-Short Income ETF ETF 46641Q837   44 881 SH   SOLE   881 0 0
Keysight Tech Inc COMMON 49338L103   27 168 SH   SOLE   168 0 0
Kilroy Realty Corp Reit REIT 49427F108   449 13,857 SH   SOLE   13,857 0 0
Kimberly-Clark Corp. COMMON 494368103   306 2,278 SH   SOLE   2,278 0 0
Kinder Morgan Inc. COMMON 49456B101   6 317 SH   SOLE   317 0 0
KLA-Tencor Corporation COMMON 482480100   63 157 SH   SOLE   157 0 0
Kon Philips Electric NV COMMON 500472303   58 3,134 SH   SOLE   3,134 0 0
Kraft Heinz Company COMMON 500754106   918 23,742 SH   SOLE   23,489 0 253
KraneShares CSI China Internet ETF ETF 500767306   16 509 SH   SOLE   509 0 0
L3Harris Technologies Inc COMMON 502431109   25 126 SH   SOLE   126 0 0
Laboratory Corp of America Hlds COMMON 50540R409   191 834 SH   SOLE   739 0 95
Lauder Estee Co COMMON 518439104   22 90 SH   SOLE   90 0 0
Linde plc COMMON G54950103   21 60 SH   SOLE   60 0 0
Lockheed Martin COMMON 539830109   69 146 SH   SOLE   146 0 0
Lowes Companies Inc. COMMON 548661107   216 1,078 SH   SOLE   1,078 0 0
Lumen Technologies Inc COMMON 550241103   12 4,521 SH   SOLE   4,521 0 0
M K S Instruments Inc. COMMON 55306N104   557 6,289 SH   SOLE   6,289 0 0
M&T Bank Corp COMMON 55261F104   1,107 9,261 SH   SOLE   9,261 0 0
Magellan Midstream Ptnrs COMMON 559080106   21 383 SH   SOLE   383 0 0
Marathon Petroleum Corp COMMON 56585A102   409 3,030 SH   SOLE   3,030 0 0
Marsh & McLennan Co's COMMON 571748102   60 362 SH   SOLE   362 0 0
Mastercard Inc COMMON 57636Q104   141 388 SH   SOLE   388 0 0
McDonald's Corp COMMON 580135101   597 2,135 SH   SOLE   2,135 0 0
McKesson Corp. COMMON 58155Q103   1,808 5,077 SH   SOLE   4,748 0 329
Medtronic Inc. COMMON G5960L103   2,764 34,279 SH   SOLE   33,509 0 770
Merck COMMON 58933Y105   5,348 50,267 SH   SOLE   48,823 0 1,444
Metlife Inc. COMMON 59156R108   14 250 SH   SOLE   250 0 0
Microsoft COMMON 594918104   12,002 41,630 SH   SOLE   40,414 0 1,216
Middlesex Water Co COMMON 596680108   23 300 SH   SOLE   300 0 0
Mondelez Int'l Inc. COMMON 609207105   843 12,097 SH   SOLE   11,475 0 622
Morgan Stanley Dean Witter COMMON 617446448   99 1,125 SH   SOLE   1,125 0 0
Motorola Solutions Inc COMMON 620076307   178 621 SH   SOLE   621 0 0
Murphy USA Inc COMMON 626755102   14 55 SH   SOLE   55 0 0
National Grid Plc ADR ADR 636274409   148 2,171 SH   SOLE   2,171 0 0
NCR Corporation COMMON 62886E108   413 17,518 SH   SOLE   16,382 0 1,136
Netflix Inc. COMMON 64110L106   35 100 SH   SOLE   100 0 0
Nextera Energy COMMON 65339F101   363 4,713 SH   SOLE   4,713 0 0
Nike, Inc. COMMON 654106103   117 950 SH   SOLE   950 0 0
Norfolk Southern COMMON 655844108   332 1,567 SH   SOLE   1,567 0 0
Northrop Grumman Corp COMMON 666807102   49 107 SH   SOLE   107 0 0
NortonLifeLock Inc COMMON 668771108   239 13,944 SH   SOLE   13,944 0 0
Novartis Ag ADR ADR 66987V109   68 740 SH   SOLE   740 0 0
Nucor Corp COMMON 670346105   15 98 SH   SOLE   98 0 0
Nutrien Ltd COMMON 67077M108   98 1,324 SH   SOLE   1,324 0 0
Nuveen AMT-Free Municipal Income Fund COMMON 670657105   6 500 SH   SOLE   500 0 0
Nvent Electric Plc Shs COMMON G6700G107   15 350 SH   SOLE   350 0 0
Nvidia Corp COMMON 67066G104   199 715 SH   SOLE   715 0 0
Nxp Semiconductors COMMON N6596X109   28 148 SH   SOLE   148 0 0
Occidental Petroleum Corp. COMMON 674599105   11 175 SH   SOLE   175 0 0
Oneok Inc New COMMON 682680103   507 7,984 SH   SOLE   7,984 0 0
Oracle COMMON 68389X105   104 1,117 SH   SOLE   1,117 0 0
Organon & Co COMMON 68622V106   3 124 SH   SOLE   124 0 0
OTIS Worldwide Corp-Wi COMMON 68902V107   80 947 SH   SOLE   947 0 0
P P G Industries Inc. COMMON 693506107   214 1,599 SH   SOLE   1,599 0 0
Palo Alto Networks COMMON 697435105   89 447 SH   SOLE   447 0 0
Parker Hannifin Corp COMMON 701094104   192 570 SH   SOLE   570 0 0
Paychex Inc. COMMON 704326107   31 270 SH   SOLE   270 0 0
Paypal Holdings COMMON 70450Y103   33 437 SH   SOLE   437 0 0
Pepsico, Inc. COMMON 713448108   985 5,401 SH   SOLE   5,401 0 0
Pfizer Inc. COMMON 717081103   3,791 92,911 SH   SOLE   89,782 0 3,129
Philip Morris Intl Inc COMMON 718172109   20 208 SH   SOLE   208 0 0
Phillips 66 SHS COMMON 718546104   373 3,675 SH   SOLE   3,675 0 0
PIMCO Intermediate Muni Bond ETF ETF 72201R866   2,380 45,536 SH   SOLE   33,119 0 12,417
Pioneer Natural Res Co COMMON 723787107   36 177 SH   SOLE   177 0 0
PNC Financial Services Group Inc. COMMON 693475105   194 1,524 SH   SOLE   1,524 0 0
Popular Inc COMMON 733174700   7 120 SH   SOLE   45 0 75
Powershares FTSE RAFI ETF ETF 46137V613   103 657 SH   SOLE   657 0 0
PowerShares QQQ Trust Sr 1 ETF ETF 46090E103   6 18 SH   SOLE   18 0 0
PPL Corporation COMMON 69351T106   8 300 SH   SOLE   300 0 0
Procter & Gamble COMMON 742718109   1,924 12,943 SH   SOLE   12,943 0 0
Progressive Corp COMMON 743315103   93 647 SH   SOLE   647 0 0
Public Storage, Inc. COMMON 74460D109   102 339 SH   SOLE   339 0 0
Public Sv Enterprise COMMON 744573106   163 2,618 SH   SOLE   2,618 0 0
Qorvo Inc COMMON 74736K101   1,246 12,264 SH   SOLE   12,154 0 110
Qualcomm Inc. COMMON 747525103   21 162 SH   SOLE   162 0 0
Quanta Services Inc COMMON 74762E102   83 496 SH   SOLE   496 0 0
Ranpack Holdings COMMON 75321W103   83 15,899 SH   SOLE   15,899 0 0
Raytheon Technologies Ord COMMON 75513E101   385 3,931 SH   SOLE   3,931 0 0
Regeneron Pharmaceuticals Inc COMMON 75886F107   25 30 SH   SOLE   30 0 0
Republic Services Inc COMMON 760759100   85 626 SH   SOLE   626 0 0
Rockwell Automation COMMON 773903109   217 741 SH   SOLE   741 0 0
Roper Industries Inc COMMON 776696106   2,193 4,977 SH   SOLE   4,857 0 120
Roundhill Acquirers Deep Value ETF ETF 26922A701   24 766 SH   SOLE   766 0 0
Royce Micro-Cap Trust COMMON 780915104   17 1,890 SH   SOLE   1,890 0 0
Rydex S&P 500 Eq Wgt ETF ETF 46137V357   21 145 SH   SOLE   145 0 0
S & P Global Inc COMMON 78409V104   22 63 SH   SOLE   63 0 0
Sabre Corporation COMMON 78573M104   16 3,844 SH   SOLE   3,844 0 0
Salesforce Com COMMON 79466L302   111 556 SH   SOLE   556 0 0
Schlumberger Limited COMMON 806857108   2,401 48,910 SH   SOLE   48,524 0 386
Schwab Emerging Mkt ETF ETF 808524706   90 3,665 SH   SOLE   3,665 0 0
Schwab Intermediate US Treasury ETF ETF 808524854   79 1,559 SH   SOLE   1,559 0 0
Schwab Int'l Equity ETF ETF 808524805   12,068 346,777 SH   SOLE   343,627 0 3,150
Schwab Large Cap Value Indx ETF ETF 808524409   91 1,390 SH   SOLE   1,390 0 0
Schwab U.S. Broad Market ETF ETF 808524102   84,164 1,758,910 SH   SOLE   1,662,881 0 96,029
Schwab U.S. Tips ETF ETF 808524870   211 3,939 SH   SOLE   0 0 3,939
Schwab US Div Equity ETF ETF 808524797   88 1,204 SH   SOLE   0 0 1,204
Schwab US Large-Cap ETF ETF 808524201   4 80 SH   SOLE   80 0 0
Schwab US Mid-Cap ETF ETF 808524508   1 18 SH   SOLE   18 0 0
Schwab US Small-Cap ETF ETF 808524607   5 119 SH   SOLE   119 0 0
Seagate Technology PLC COMMON G7997R103   3,671 55,515 SH   SOLE   54,076 0 1,439
Sector Spdr Fincl Select ETF 81369Y605   67 2,088 SH   SOLE   2,088 0 0
Sector SPDR Health Fd Shares ETF 81369Y209   2 15 SH   SOLE   15 0 0
Sector SPDR Tech Select Shares ETF 81369Y803   345 2,284 SH   SOLE   2,284 0 0
Sempra Energy COMMON 816851109   15 101 SH   SOLE   101 0 0
ServiceNow Inc COMMON 81762P102   332 714 SH   SOLE   714 0 0
Shell plc COMMON 780259305   386 6,706 SH   SOLE   6,445 0 261
SK Telecom Ltd ADR ADR 78440P306   13 613 SH   SOLE   613 0 0
Skywest Inc COMMON 830879102   33 1,490 SH   SOLE   1,490 0 0
Skyworks Solutions Inc. COMMON 83088M102   49 413 SH   SOLE   413 0 0
Snap Inc COMMON 83304A106   2 200 SH   SOLE   200 0 0
Sonoco Products COMMON 835495102   206 3,385 SH   SOLE   3,385 0 0
Sony Group Corp COMMON 835699307   1,497 16,516 SH   SOLE   16,030 0 486
Sorrento Therapeutics Inc COMMON 83587F202   1 3,000 SH   SOLE   3,000 0 0
Southern Company COMMON 842587107   312 4,491 SH   SOLE   4,491 0 0
SPDR Consumer Disc Select ETF ETF 81369Y407   45 302 SH   SOLE   302 0 0
SPDR Gold Trust ETF ETF 78463V107   1,889 10,308 SH   SOLE   10,308 0 0
SPDR Materials Select Sec. ETF ETF 81369Y100   25 312 SH   SOLE   312 0 0
SPDR MSCI EAFE Fsl Fuel Fr ETF ETF 78470E106   53 1,427 SH   SOLE   1,427 0 0
SPDR MSCI Emerg Fsl Fl Free ETF ETF 78470E205   16 518 SH   SOLE   518 0 0
SPDR Nuveen Barclays Muni Bd ETF ETF 78468R721   317 6,762 SH   SOLE   0 0 6,762
SPDR S&P 500 ETF ETF 78462F103   1,249 3,050 SH   SOLE   2,136 0 914
SPDR S&P 500 Fossil Fl Fr ETF ETF 78468R796   817 24,568 SH   SOLE   24,568 0 0
SPDR S&P 600 Small Cap ETF ETF 78464A300   55 726 SH   SOLE   726 0 0
SPDR S&P Biotech ETF ETF 78464A870   1,701 22,322 SH   SOLE   21,894 0 428
SPDR S&P Dividend ETF ETF 78464A763   154 1,246 SH   SOLE   1,246 0 0
SPDR S&P Mid Cap 400 ETF ETF 78467Y107   218 475 SH   SOLE   275 0 200
SPDR Utility Select Sec ETF ETF 81369Y886   60 892 SH   SOLE   892 0 0
SPDR Blmbg Barclays Inv Grd Flt Rt ETF ETF 78468R200   183 6,007 SH   SOLE   6,007 0 0
SPDR S&P Regional Banking ETF ETF 78464A698   12 275 SH   SOLE   275 0 0
Splunk Inc COMMON 848637104   1,531 15,971 SH   SOLE   15,852 0 119
Spotify Technology SA COMMON L8681T102   5 40 SH   SOLE   40 0 0
Standex Int'l Corp. COMMON 854231107   64 520 SH   SOLE   520 0 0
Starbucks COMMON 855244109   2,864 27,500 SH   SOLE   26,545 0 955
Steris Corp. COMMON G8473T100   272 1,422 SH   SOLE   1,422 0 0
Stitch Fix Inc COMMON 860897107   2 483 SH   SOLE   483 0 0
Stryker Corp. COMMON 863667101   70 245 SH   SOLE   100 0 145
Suncor Energy Inc. COMMON 867224107   10 324 SH   SOLE   324 0 0
Sunrun Inc COMMON 86771W105   11 525 SH   SOLE   525 0 0
Synchrony Financial COMMON 87165B103   170 5,829 SH   SOLE   5,829 0 0
SYNNEX Corp COMMON 87162W100   15 154 SH   SOLE   154 0 0
Sysco Corp. COMMON 871829107   128 1,658 SH   SOLE   1,658 0 0
Taiwan Semiconductor ADR ADR 874039100   7,100 76,331 SH   SOLE   74,442 0 1,889
Tapestry Inc COMMON 876030107   5 112 SH   SOLE   112 0 0
Target Corp. COMMON 87612E106   90 543 SH   SOLE   543 0 0
Teradata Corp COMMON 88076W103   24 600 SH   SOLE   600 0 0
Tesla Motors COMMON 88160R101   2 12 SH   SOLE   12 0 0
Texas Instruments Inc. COMMON 882508104   350 1,880 SH   SOLE   1,880 0 0
The Charles Schwab Corp. COMMON 808513105   5,951 113,605 SH   SOLE   110,462 0 3,143
The Travelers Companies Inc. COMMON 89417E109   856 4,991 SH   SOLE   4,991 0 0
Thermo Fisher Scientific COMMON 883556102   503 873 SH   SOLE   873 0 0
Thomson Reuters Corp COMMON 884903709   177 1,362 SH   SOLE   1,199 0 163
Thor Industries Inc COMMON 885160101   367 4,614 SH   SOLE   4,614 0 0
TJX Companies Inc COMMON 872540109   48 611 SH   SOLE   441 0 170
Toronto-Dominion Bank COMMON 891160509   596 9,942 SH   SOLE   9,942 0 0
TPI Composites Inc COMMON 87266J104   14 1,080 SH   SOLE   1,080 0 0
Trane Technologies PLC COMMON G8994E103   330 1,792 SH   SOLE   1,792 0 0
Travel Leisure Ord COMMON 894164102   18 452 SH   SOLE   452 0 0
Truist Finl Corp Com COMMON 89832Q109   23 683 SH   SOLE   683 0 0
Trustmark Corp. COMMON 898402102   3,453 139,788 SH   SOLE   139,788 0 0
U S Bancorp COMMON 902973304   45 1,250 SH   SOLE   1,250 0 0
Uber Technologies Inc COMMON 90353T100   17 550 SH   SOLE   550 0 0
UDR Inc COMMON 902653104   49 1,196 SH   SOLE   1,196 0 0
Unilever PLC ADR ADR 904767704   640 12,331 SH   SOLE   12,331 0 0
Union Pacific COMMON 907818108   284 1,409 SH   SOLE   1,409 0 0
United Continental Holdings Inc COMMON 910047109   8 183 SH   SOLE   183 0 0
United Parcel Service COMMON 911312106   83 429 SH   SOLE   429 0 0
Unitedhealth Group Inc. COMMON 91324P102   194 411 SH   SOLE   411 0 0
Unum Provident Corp. COMMON 91529Y106   141 3,559 SH   SOLE   3,559 0 0
V F Corp. COMMON 918204108   211 9,204 SH   SOLE   9,204 0 0
Vale SA COMMON 91912E105   32 2,000 SH   SOLE   2,000 0 0
Valero Energy COMMON 91913Y100   2,265 16,227 SH   SOLE   15,728 0 499
Vaneck Vectors Gold Miners ETF ETF 92189F106   1,438 44,457 SH   SOLE   44,457 0 0
Vangard Russell 2000 ETF ETF 92206C664   28 386 SH   SOLE   386 0 0
Vanguard 500 ETF ETF 922908363   1,153 3,065 SH   SOLE   3,065 0 0
Vanguard Developed Market ETF ETF 921943858   25,754 570,166 SH   SOLE   516,775 0 53,391
Vanguard Div Appreciation ETF ETF 921908844   611 3,970 SH   SOLE   2,848 0 1,122
Vanguard Emerging Market ETF ETF 922042858   14,657 362,807 SH   SOLE   341,994 0 20,813
Vanguard ESG International Stock ETF ETF 921910725   8,957 171,065 SH   SOLE   161,993 0 9,072
Vanguard ESG US Corporate Bond ETF ETF 921910691   5,135 81,900 SH   SOLE   76,238 0 5,662
Vanguard ESG US Stock ETF ETF 921910733   12,238 170,654 SH   SOLE   161,982 0 8,672
Vanguard Financials ETF ETF 92204A405   41 526 SH   SOLE   526 0 0
Vanguard FTSE All World ex US ETF ETF 922042775   245 4,574 SH   SOLE   4,574 0 0
Vanguard FTSE Pacific ETF ETF 922042866   6 91 SH   SOLE   91 0 0
Vanguard Growth ETF ETF 922908736   1,342 5,379 SH   SOLE   5,379 0 0
Vanguard Health Care ETF ETF 92204A504   253 1,061 SH   SOLE   1,061 0 0
Vanguard High Dividend Yd ETF ETF 921946406   226 2,143 SH   SOLE   2,143 0 0
Vanguard Info Technology ETF ETF 92204A702   75 194 SH   SOLE   55 0 139
Vanguard Interm-Temp Corp Bd ETF ETF 92206C870   18 224 SH   SOLE   224 0 0
Vanguard Large-Cap ETF ETF 922908637   8 43 SH   SOLE   43 0 0
Vanguard Mid Cap Etf ETF 922908629   40 188 SH   SOLE   188 0 0
Vanguard Mid Cap Value ETF ETF 922908512   55 413 SH   SOLE   413 0 0
Vanguard Mid-Cap Growth ETF ETF 922908538   32 166 SH   SOLE   166 0 0
Vanguard Muni Bond ETF ETF 922907746   2,763 54,535 SH   SOLE   42,529 0 12,006
Vanguard REIT ETF ETF 922908553   122 1,470 SH   SOLE   1,470 0 0
Vanguard S&P Mid-Cap 400 ETF 921932844   118 1,504 SH   SOLE   1,504 0 0
Vanguard S&P Mid-Cap 400 Growth ETF ETF 921932869   80 902 SH   SOLE   902 0 0
Vanguard Short-Term Bond ETF ETF 921937827   2,059 26,918 SH   SOLE   26,299 0 619
Vanguard Short-Term Treasury ETF ETF 92206C102   2,524 43,122 SH   SOLE   40,547 0 2,575
Vanguard Sh-Tm Inflat- Prot ETF ETF 922020805   381 7,974 SH   SOLE   6,246 0 1,728
Vanguard Small Cap Etf ETF 922908751   27 145 SH   SOLE   145 0 0
Vanguard Small Cap Growth ETF ETF 922908595   89 412 SH   SOLE   412 0 0
Vanguard Small Cap Value ETF ETF 922908611   51 318 SH   SOLE   318 0 0
Vanguard Total International Stock ETF ETF 921909768   28 500 SH   SOLE   500 0 0
Vanguard Total Int'l Bond Market ETF ETF 92203J407   16,363 334,487 SH   SOLE   316,424 0 18,063
Vanguard Total Stk Mkt ETF ETF 922908769   3,203 15,691 SH   SOLE   15,011 0 680
Vanguard Total U.S. Bond Market ETF ETF 921937835   30,926 418,880 SH   SOLE   391,526 0 27,354
Vanguard Ultra-Short Bond ETF ETF 92203C303   20 416 SH   SOLE   416 0 0
Vanguard Value Index ETF ETF 922908744   243 1,761 SH   SOLE   1,761 0 0
Ventas REIT Inc REIT 92276F100   508 11,708 SH   SOLE   11,708 0 0
Verizon Communications Inc. COMMON 92343V104   1,961 50,415 SH   SOLE   49,491 0 924
Vertex Pharmaceuticals COMMON 92532F100   24 75 SH   SOLE   75 0 0
Viasat Inc COMMON 92552V100   11 325 SH   SOLE   325 0 0
Visa Inc COMMON 92826C839   3,390 15,036 SH   SOLE   14,863 0 173
Vistra Energy Corp COMMON 92840M102   48 1,993 SH   SOLE   1,993 0 0
W. P. Carey & Co. LLC COMMON 92936U109   113 1,457 SH   SOLE   1,252 0 205
Walgreens Boots Alli COMMON 931427108   28 800 SH   SOLE   800 0 0
Wal-Mart Stores COMMON 931142103   652 4,420 SH   SOLE   4,420 0 0
Walt Disney Hldg COMMON 254687106   2,692 26,880 SH   SOLE   26,423 0 457
Warner Bros. Discovery, Inc. COMMON 934423104   2 100 SH   SOLE   100 0 0
Watts Water Technologies COMMON 942749102   96 573 SH   SOLE   573 0 0
WEC Energy Group COMMON 92939U106   374 3,947 SH   SOLE   3,947 0 0
Wells Fargo & Co COMMON 949746101   11 295 SH   SOLE   295 0 0
Welltower Inc REIT REIT 95040Q104   108 1,500 SH   SOLE   1,500 0 0
Western Union Co COMMON 959802109   154 13,828 SH   SOLE   12,393 0 1,435
Weyerhaeuser Company COMMON 962166104   671 22,277 SH   SOLE   22,277 0 0
Whirlpool COMMON 963320106   741 5,612 SH   SOLE   5,612 0 0
WisdomTree Emerg Mk SmCap ETF ETF 97717W281   148 3,230 SH   SOLE   2,142 0 1,088
WisdomTree EmMkts ex-Stt-Ownd EntrprsETF ETF 97717X578   13 475 SH   SOLE   475 0 0
WisdomTree India Earnings ETF ETF 97717W422   84 2,665 SH   SOLE   2,665 0 0
Wisdomtree Japan SmCap Div ETF ETF 97717W836   41 620 SH   SOLE   620 0 0
Wolverine World Wide Inc. COMMON 978097103   227 13,303 SH   SOLE   13,303 0 0
WPP COMMON 92937A102   3,416 57,398 SH   SOLE   56,489 0 909
Wyndham Hotels & Resorts Inc COMMON 98311A105   31 452 SH   SOLE   452 0 0
Xcel Energy Inc. COMMON 98389B100   118 1,750 SH   SOLE   1,750 0 0
Xylem Inc COMMON 98419M100   443 4,231 SH   SOLE   4,231 0 0
Yum China Hldgs Inc Com COMMON 98850P109   1,691 26,684 SH   SOLE   26,548 0 136
Yum! Brands, Inc. COMMON 988498101   77 585 SH   SOLE   585 0 0
Zoetis Inc COMMON 98978V103   30 179 SH   SOLE   179 0 0