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   131 1,310 SH   SOLE   1,310 0 0
A F L A C Inc. COMMON 001055102   92 1,318 SH   SOLE   1,318 0 0
A O N Corporation COMMON G0403H108   29 85 SH   SOLE   85 0 0
Abbott Laboratories COMMON 002824100   1,258 11,542 SH   SOLE   11,542 0 0
AbbVie Inc. COMMON 00287Y109   1,019 7,560 SH   SOLE   7,560 0 0
Aberdeen Asia Pac Income Fd COMMON 003009107   108 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 COMMON G1151C101   137 443 SH   SOLE   368 0 75
ACNB Corporation COMMON 000868109   21 625 SH   SOLE   625 0 0
Activision Inc. COMMON 00507V109   252 2,991 SH   SOLE   2,991 0 0
Adobe Systems Inc. COMMON 00724F101   54 110 SH   SOLE   110 0 0
Advanced Micro Devices COMMON 007903107   101 890 SH   SOLE   890 0 0
Agilent Technologies COMMON 00846U101   13 105 SH   SOLE   105 0 0
Air Products & Chemicals Inc. COMMON 009158106   786 2,625 SH   SOLE   2,625 0 0
Alaska Air Group Inc. COMMON 011659109   5 100 SH   SOLE   100 0 0
Alerus Finl Corp COMMON 01446U103   5 300 SH   SOLE   300 0 0
Allegion Public Ltd Co COMMON G0176J109   24 200 SH   SOLE   200 0 0
Alliant Energy Corp COMMON 018802108   597 11,377 SH   SOLE   11,377 0 0
Allstate COMMON 020002101   218 2,001 SH   SOLE   2,001 0 0
Alphabet, Inc Cl C COMMON 02079K107   3,502 28,950 SH   SOLE   27,850 0 1,100
Alphabet, Inc. Cl A COMMON 02079K305   3,709 30,984 SH   SOLE   29,558 0 1,426
Altria Group Inc. COMMON 02209S103   8 170 SH   SOLE   170 0 0
Amazon.Com COMMON 023135106   3,460 26,539 SH   SOLE   25,500 0 1,039
Amer Electric Pwr Co Inc COMMON 025537101   25 300 SH   SOLE   300 0 0
America Movil L ADR ADR 02390A101   78 3,600 SH   SOLE   3,600 0 0
American Express Company COMMON 025816109   492 2,824 SH   SOLE   2,824 0 0
American Well Cl A Ord COMMON 03044L105   1 550 SH   SOLE   550 0 0
Ameriprise Financial Inc. COMMON 03076C106   144 433 SH   SOLE   433 0 0
Amerisource Bergen Corp. COMMON 03073E105   30 158 SH   SOLE   158 0 0
Amgen Incorporated COMMON 031162100   319 1,439 SH   SOLE   1,439 0 0
Amkor Technology Inc COMMON 031652100   1,181 39,695 SH   SOLE   39,695 0 0
Anthem Inc COMMON 036752103   113 255 SH   SOLE   255 0 0
Apple Inc. COMMON 037833100   6,266 32,304 SH   SOLE   31,207 0 1,097
Applied Materials COMMON 038222105   69 474 SH   SOLE   474 0 0
AptarGroup, Inc COMMON 038336103   1,229 10,606 SH   SOLE   10,181 0 425
Archer-Daniels-Midland Inc. COMMON 039483102   189 2,502 SH   SOLE   2,008 0 494
ARK Next Generation Internet ETF ETF 00214Q401   6 98 SH   SOLE   98 0 0
Arrowhead Pharma Inc COMMON 04280A100   11 320 SH   SOLE   320 0 0
Astec Industries COMMON 046224101   171 3,763 SH   SOLE   3,563 0 200
AstraZeneca plc ADR ADR 046353108   1,148 16,043 SH   SOLE   16,043 0 0
AT&T Inc. COMMON 00206R102   377 23,614 SH   SOLE   23,614 0 0
Atmos Energy Corp COMMON 049560105   17 150 SH   SOLE   150 0 0
Auto Data Processing COMMON 053015103   266 1,209 SH   SOLE   1,209 0 0
Avery Dennison COMMON 053611109   36 208 SH   SOLE   208 0 0
Baidu Inc ADR ADR 056752108   137 1,001 SH   SOLE   1,001 0 0
Bank of America Corp COMMON 060505104   56 1,947 SH   SOLE   1,947 0 0
Bank of New York Mellon COMMON 064058100   71 1,602 SH   SOLE   1,602 0 0
Baxter International COMMON 071813109   286 6,277 SH   SOLE   6,127 0 150
BCE Inc. COMMON 05534B760   157 3,453 SH   SOLE   2,750 0 703
Becton Dickinson & Co COMMON 075887109   770 2,917 SH   SOLE   2,917 0 0
Berkshire Hathaway Cl B COMMON 084670702   5,777 16,941 SH   SOLE   16,080 0 861
Biogen Idec Inc COMMON 09062X103   171 601 SH   SOLE   601 0 0
Blackrock Ehncd Eqty Div COMMON 09251A104   9 1,100 SH   SOLE   1,100 0 0
Blackrock Inc COMMON 09247X101   126 182 SH   SOLE   182 0 0
Blkrck Muniyield Qlty Fd COMMON 09254F100   15 1,300 SH   SOLE   1,300 0 0
Boeing Co. COMMON 097023105   3,654 17,303 SH   SOLE   16,886 0 417
Borg Warner Inc COMMON 099724106   728 14,891 SH   SOLE   14,891 0 0
Boston Scientific COMMON 101137107   17 319 SH   SOLE   319 0 0
BP plc ADR ADR 055622104   19 528 SH   SOLE   528 0 0
Bristol Myers COMMON 110122108   2,327 36,391 SH   SOLE   36,391 0 0
Broadridge Finl Solution COMMON 11133T103   116 700 SH   SOLE   700 0 0
Brookfield Asset Management COMMON 113004105   57 1,748 SH   SOLE   1,748 0 0
Brookfield Corp COMMON 11271J107   234 6,951 SH   SOLE   6,951 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 13646K108   47 582 SH   SOLE   582 0 0
Capital One Financial COMMON 14040H105   79 724 SH   SOLE   724 0 0
Carrier Global Corp-Wi COMMON 14448C104   120 2,422 SH   SOLE   2,422 0 0
Caterpillar COMMON 149123101   2,157 8,767 SH   SOLE   8,767 0 0
CBRE Group Inc COMMON 12504L109   299 3,708 SH   SOLE   3,708 0 0
Charter Communications Inc COMMON 16119P108   91 248 SH   SOLE   248 0 0
Chemed Corp. COMMON 16359R103   1,806 3,335 SH   SOLE   3,335 0 0
Chemours Co LLC COMMON 163851108   6 151 SH   SOLE   151 0 0
Cheniere Energy Inc New COMMON 16411R208   11 73 SH   SOLE   73 0 0
Chevron Corp. COMMON 166764100   667 4,237 SH   SOLE   3,534 0 703
China Automotive Systems Inc COMMON 16936R105   82 16,664 SH   SOLE   16,664 0 0
Chubb Limited COMMON H1467J104   383 1,990 SH   SOLE   1,821 0 169
Cigna Corp COMMON 125523100   235 838 SH   SOLE   838 0 0
Cincinnati Financial Corp COMMON 172062101   38 390 SH   SOLE   390 0 0
Cisco Systems, Inc. COMMON 17275R102   3,251 62,825 SH   SOLE   60,684 0 2,141
Citigroup COMMON 172967424   136 2,944 SH   SOLE   2,944 0 0
Clorox Company COMMON 189054109   16 100 SH   SOLE   100 0 0
CME Group Inc. COMMON 12572Q105   392 2,117 SH   SOLE   2,117 0 0
Coca-Cola Co COMMON 191216100   3,915 65,015 SH   SOLE   63,299 0 1,716
Colgate-Palmolive COMMON 194162103   497 6,454 SH   SOLE   6,454 0 0
Comcast Corp. COMMON 20030N101   250 6,026 SH   SOLE   6,026 0 0
Comerica Incorporated COMMON 200340107   85 2,000 SH   SOLE   2,000 0 0
Community Bank System COMMON 203607106   361 7,696 SH   SOLE   6,796 0 900
Conoco Phillips COMMON 20825C104   727 7,012 SH   SOLE   7,012 0 0
Consolidated Edison Inc. COMMON 209115104   131 1,453 SH   SOLE   1,453 0 0
Constellation Brand Cl Aclass A COMMON 21036P108   29 119 SH   SOLE   119 0 0
Constellation Energy Co. COMMON 21037T109   15 163 SH   SOLE   163 0 0
Constellation Software Inc COMMON 21037X100   64 31 SH   SOLE   31 0 0
Corning COMMON 219350105   5,059 144,387 SH   SOLE   142,416 0 1,971
Corp Office Pptys REIT REIT 22002T108   8 343 SH   SOLE   343 0 0
Corteva Inc com COMMON 22052L104   23 405 SH   SOLE   405 0 0
Costco COMMON 22160K105   5,415 10,058 SH   SOLE   9,746 0 312
Creative Media & Community Trust COMMON 125525584   1 200 SH   SOLE   200 0 0
Crown Castle International Corp COMMON 22822V101   6 54 SH   SOLE   54 0 0
CSW Industrials Inc COMMON 126402106   65 389 SH   SOLE   389 0 0
CSX Corp COMMON 126408103   148 4,339 SH   SOLE   4,339 0 0
CVS Corp COMMON 126650100   1,835 26,542 SH   SOLE   25,773 0 769
Danaher Corp COMMON 235851102   36 150 SH   SOLE   150 0 0
Deere & Company COMMON 244199105   974 2,405 SH   SOLE   2,405 0 0
Devon Energy Corp COMMON 25179M103   51 1,051 SH   SOLE   1,051 0 0
Digital Realty Trust REIT REIT 253868103   155 1,358 SH   SOLE   1,358 0 0
Dominion Energy COMMON 25746U109   414 7,995 SH   SOLE   7,995 0 0
Dover Corporation COMMON 260003108   53 362 SH   SOLE   362 0 0
Dow In COMMON 260557103   121 2,263 SH   SOLE   2,263 0 0
Dr Reddys Labs ADR ADR 256135203   375 5,935 SH   SOLE   5,935 0 0
Duke Energy Corp. COMMON 26441C204   1,752 19,519 SH   SOLE   19,387 0 132
E Bay Inc. COMMON 278642103   12 275 SH   SOLE   275 0 0
E I DuPont COMMON 26614N102   1,655 23,160 SH   SOLE   22,137 0 1,023
E O G Resources Inc COMMON 26875P101   15 132 SH   SOLE   132 0 0
East West Bancorp COMMON 27579R104   589 11,150 SH   SOLE   11,150 0 0
Eastman Chemical Co. COMMON 277432100   17 200 SH   SOLE   200 0 0
Eaton Corp. COMMON G29183103   452 2,249 SH   SOLE   2,249 0 0
Ecofin Global Water ESG COMMON 56167N753   38 930 SH   SOLE   930 0 0
Ecolab Inc. COMMON 278865100   41 222 SH   SOLE   222 0 0
Edison International COMMON 281020107   192 2,770 SH   SOLE   2,770 0 0
Eli Lilly & Co. COMMON 532457108   1,641 3,499 SH   SOLE   3,499 0 0
Emerson Electric Co. COMMON 291011104   1,639 18,136 SH   SOLE   17,304 0 832
EMQQ Emerging Markets Intrnt & Ecmrc ETF ETF 301505889   110 3,738 SH   SOLE   3,738 0 0
Energy Transfer Equity LP COMMON 29273V100   25 1,952 SH   SOLE   1,952 0 0
Enterprise Products Prtn LP COMMON 293792107   140 5,307 SH   SOLE   5,307 0 0
Equifax Inc COMMON 294429105   88 373 SH   SOLE   373 0 0
Equity Residential Prop. REIT REIT 29476L107   214 3,237 SH   SOLE   3,237 0 0
Essential utilities ord COMMON 29670G102   125 3,142 SH   SOLE   3,142 0 0
Eversource Energy COMMON 30040W108   23 328 SH   SOLE   328 0 0
Expeditors Int'l of Washington COMMON 302130109   83 682 SH   SOLE   682 0 0
Exxon Mobil Corporation COMMON 30231G102   2,410 22,468 SH   SOLE   21,464 0 1,004
Facebook Inc Class A COMMON 30303M102   106 371 SH   SOLE   371 0 0
Fedex Corporation COMMON 31428X106   1,269 5,119 SH   SOLE   5,119 0 0
Fidelity MSCI Health Care ETF ETF 316092600   45 711 SH   SOLE   0 0 711
Fidelity MSCI Utilities ETF ETF 316092865   26 613 SH   SOLE   0 0 613
Fidus Investment Corp COMMON 316500107   20 1,035 SH   SOLE   1,035 0 0
First Solar Inc COMMON 336433107   2,321 12,208 SH   SOLE   12,208 0 0
First Trust Cloud Computing ETF ETF 33734X192   80 1,059 SH   SOLE   1,059 0 0
First Trust NASDAQ Cybersecurity ETF ETF 33734X846   78 1,710 SH   SOLE   1,710 0 0
Fortinet Inc COMMON 34959E109   214 2,825 SH   SOLE   2,825 0 0
GE Healthcare COMMON 36266G107   89 1,093 SH   SOLE   751 0 342
General Dynamics Corp. COMMON 369550108   3 13 SH   SOLE   13 0 0
General Electric Co. COMMON 369604301   447 4,068 SH   SOLE   4,068 0 0
General Mills, Inc. COMMON 370334104   134 1,752 SH   SOLE   1,752 0 0
General Motors COMMON 37045V100   19 500 SH   SOLE   500 0 0
Genuine Parts Co COMMON 372460105   42 250 SH   SOLE   250 0 0
Gilat Satellite Networks Ltd COMMON M51474118   49 7,858 SH   SOLE   7,858 0 0
Gilead Sciences Inc COMMON 375558103   157 2,041 SH   SOLE   2,041 0 0
Global X S&P 500 Catholic Values ETF ETF 37954Y889   178 3,265 SH   SOLE   3,265 0 0
GlobalFoundries, Inc COMMON G39387108   4 65 SH   SOLE   65 0 0
Goldman Sachs Group Inc COMMON 38141G104   223 690 SH   SOLE   690 0 0
Halliburton Company COMMON 406216101   45 1,359 SH   SOLE   1,359 0 0
Hanesbrands Inc. COMMON 410345102   43 9,445 SH   SOLE   7,445 0 2,000
Hannon Armstrong Sus REIT REIT 41068X100   10 418 SH   SOLE   418 0 0
Hershey Foods Corp COMMON 427866108   228 914 SH   SOLE   914 0 0
Hess Corporation COMMON 42809H107   53 390 SH   SOLE   390 0 0
Home Depot COMMON 437076102   647 2,083 SH   SOLE   2,083 0 0
Honeywell International COMMON 438516106   2,790 13,444 SH   SOLE   13,057 0 387
Hormel Foods Corp COMMON 440452100   26 640 SH   SOLE   640 0 0
HSBC Holdings PLC ADR ADR 404280406   32 809 SH   SOLE   809 0 0
Humana COMMON 444859102   524 1,172 SH   SOLE   1,159 0 13
IBM Corp. COMMON 459200101   2,888 21,586 SH   SOLE   20,751 0 835
Illinois Tool Works COMMON 452308109   233 932 SH   SOLE   932 0 0
Imperial Oil Ltd COMMON 453038408   167 3,259 SH   SOLE   3,259 0 0
India Fund COMMON 454089103   31 1,870 SH   SOLE   1,870 0 0
Ingersoll Rand Inc COMMON 45687V106   30 454 SH   SOLE   454 0 0
Ingredion Incorporated COMMON 457187102   2,096 19,780 SH   SOLE   19,656 0 124
Insulet Corporation COMMON 45784P101   14 50 SH   SOLE   50 0 0
Integer Holdings Corp COMMON 45826H109   723 8,162 SH   SOLE   7,887 0 275
Intel Corp. COMMON 458140100   541 16,168 SH   SOLE   16,168 0 0
Intercontinental Exchange, Inc. COMMON 45866F104   13 118 SH   SOLE   118 0 0
International Flavors & Fragrances Inc COMMON 459506101   1,967 24,718 SH   SOLE   23,810 0 908
Intuit COMMON 461202103   14 31 SH   SOLE   31 0 0
Intuitive Surgical COMMON 46120E602   41 119 SH   SOLE   119 0 0
Invesco Global Water ETF ETF 46138E651   63 1,764 SH   SOLE   1,764 0 0
Iqvia Hldgs Inc COMMON 46266C105   8 36 SH   SOLE   36 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   36 351 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   420 8,148 SH   SOLE   8,148 0 0
iShares Core International Bond ETF ETF 46435G672   303 6,140 SH   SOLE   6,140 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   25 364 SH   SOLE   0 0 364
iShares Core MSCI ETF ETF 46434G103   372 7,548 SH   SOLE   4,490 0 3,058
iShares DJ US Financial ETF ETF 464287788   83 1,108 SH   SOLE   1,108 0 0
iShares Dow J. Healthcare ETF ETF 464287762   133 474 SH   SOLE   474 0 0
iShares ESG Aware MSCI EAFE ETF ETF 46435G516   291 3,995 SH   SOLE   3,995 0 0
iShares Expanded Tech-Software Sect ETF ETF 464287515   176 508 SH   SOLE   508 0 0
iShares Global Clean Energy ETF 464288224   464 25,234 SH   SOLE   25,234 0 0
Ishares Gold ETF ETF 464285204   713 19,593 SH   SOLE   17,238 0 2,355
iShares Lehman Agg Bond Fd ETF ETF 464287226   865 8,828 SH   SOLE   8,828 0 0
iShares MSCI EAFE ETF ETF 464287465   244 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   51 2,182 SH   SOLE   0 0 2,182
iShares MSCI Taiwan Index ETF ETF 46434G772   67 1,425 SH   SOLE   1,425 0 0
iShares MSCI USA Momentum Factor ETF ETF 46432F396   12 81 SH   SOLE   81 0 0
iShares NASDAQ Biotech ETF ETF 464287556   610 4,808 SH   SOLE   4,407 0 401
iShares Russell 1000 Growth ETF ETF 464287614   57 207 SH   SOLE   207 0 0
iShares Russell 1000 Val ETF ETF 464287598   4,326 27,412 SH   SOLE   27,412 0 0
iShares Russell 2000 Growth ETF ETF 464287648   13 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   61 628 SH   SOLE   628 0 0
iShares S&P 500 Index ETF ETF 464287200   482 1,081 SH   SOLE   1,081 0 0
iShares S&P Midcap 400 Index ETF ETF 464287507   158 605 SH   SOLE   434 0 171
iShares S&P Mid-Cap Grow ETF ETF 464287606   30 396 SH   SOLE   396 0 0
iShares S&P Sm Cap Idx 600 ETF ETF 464287804   277 2,780 SH   SOLE   1,852 0 928
iShares Select Dividend Idx ETF ETF 464287168   106 932 SH   SOLE   932 0 0
iShares TIPS Bond ETF ETF 464287176   862 8,006 SH   SOLE   7,222 0 784
iShares Tr China 25 Index ETF ETF 464287184   6 228 SH   SOLE   228 0 0
iShares Tr DJ U S Tech Sector ETF ETF 464287721   114 1,051 SH   SOLE   1,051 0 0
Ishares Tr Sh Tr Corporate ETF ETF 464288646   18 368 SH   SOLE   368 0 0
Jacobs Engineering Group Inc COMMON 46982L108   36 303 SH   SOLE   303 0 0
Jefferies Finl Group Inc COMMON 47233W109   25 760 SH   SOLE   75 0 685
Johnson & Johnson COMMON 478160104   2,321 14,021 SH   SOLE   13,267 0 754
JP Morgan Chase & Co COMMON 46625H100   2,669 18,353 SH   SOLE   17,613 0 740
JPMorgan Ultra-Short Income ETF ETF 46641Q837   44 881 SH   SOLE   881 0 0
Kilroy Realty Corp REIT REIT 49427F108   851 28,270 SH   SOLE   27,864 0 406
Kimberly-Clark Corp. COMMON 494368103   315 2,278 SH   SOLE   2,278 0 0
KKR & Co LP COMMON 48251W104   10 180 SH   SOLE   180 0 0
KLA-Tencor Corporation COMMON 482480100   76 157 SH   SOLE   157 0 0
Kon Philips Electric NV COMMON 500472303   71 3,273 SH   SOLE   3,273 0 0
Kraft Heinz Company COMMON 500754106   806 22,691 SH   SOLE   22,438 0 253
Laboratory Corp of America Hlds COMMON 50540R409   193 798 SH   SOLE   703 0 95
Linde plc COMMON G54950103   23 60 SH   SOLE   60 0 0
Lockheed Martin COMMON 539830109   67 146 SH   SOLE   146 0 0
Lowes Companies Inc. COMMON 548661107   241 1,067 SH   SOLE   1,067 0 0
Luckin Coffee Inc COMMON 54951L109   7 320 SH   SOLE   320 0 0
Lumen Technologies Inc COMMON 550241103   3 1,146 SH   SOLE   1,146 0 0
M K S Instruments Inc. COMMON 55306N104   680 6,289 SH   SOLE   6,289 0 0
M&T Bank Corp COMMON 55261F104   1,021 8,253 SH   SOLE   8,253 0 0
Marathon Petroleum Corp COMMON 56585A102   292 2,503 SH   SOLE   2,503 0 0
Marsh & McLennan Co's COMMON 571748102   68 362 SH   SOLE   362 0 0
Mastercard Inc COMMON 57636Q104   183 466 SH   SOLE   466 0 0
McDonald's Corp COMMON 580135101   852 2,856 SH   SOLE   2,856 0 0
McKesson Corp. COMMON 58155Q103   2,125 4,973 SH   SOLE   4,644 0 329
Medtronic Inc. COMMON G5960L103   3,500 39,730 SH   SOLE   38,960 0 770
Merck COMMON 58933Y105   5,947 51,540 SH   SOLE   50,096 0 1,444
Metlife Inc. COMMON 59156R108   14 250 SH   SOLE   250 0 0
Microsoft COMMON 594918104   14,169 41,606 SH   SOLE   40,282 0 1,324
Middlesex Water Co COMMON 596680108   24 300 SH   SOLE   300 0 0
Mondelez Int'l Inc. COMMON 609207105   830 11,383 SH   SOLE   11,216 0 167
Morgan Stanley Dean Witter COMMON 617446448   101 1,186 SH   SOLE   1,186 0 0
Motorola Solutions Inc COMMON 620076307   139 473 SH   SOLE   473 0 0
Murphy USA Inc COMMON 626755102   17 55 SH   SOLE   55 0 0
National Grid Plc ADR ADR 636274409   131 1,951 SH   SOLE   1,951 0 0
NCR Corporation COMMON 62886E108   431 17,088 SH   SOLE   15,982 0 1,106
Netflix Inc. COMMON 64110L106   44 100 SH   SOLE   100 0 0
Nextera Energy COMMON 65339F101   349 4,700 SH   SOLE   4,700 0 0
Nike, Inc. COMMON 654106103   98 887 SH   SOLE   887 0 0
Nisource Inc. COMMON 65473P105   1,405 51,365 SH   SOLE   47,804 0 3,561
Norfolk Southern COMMON 655844108   355 1,567 SH   SOLE   1,567 0 0
Northrop Grumman Corp COMMON 666807102   49 107 SH   SOLE   107 0 0
NortonLifeLock Inc COMMON 668771108   259 13,944 SH   SOLE   13,944 0 0
Novartis Ag ADR ADR 66987V109   75 740 SH   SOLE   740 0 0
Nucor Corp COMMON 670346105   16 98 SH   SOLE   98 0 0
Nutrien Ltd COMMON 67077M108   44 749 SH   SOLE   749 0 0
Nuveen AMT-Free Municipal Income Fund ETF 670657105   5 500 SH   SOLE   500 0 0
Nvidia Corp COMMON 67066G104   254 600 SH   SOLE   600 0 0
Nxp Semiconductors COMMON N6596X109   13 65 SH   SOLE   65 0 0
Occidental Petroleum Corp. COMMON 674599105   10 175 SH   SOLE   175 0 0
Oneok Inc New COMMON 682680103   475 7,694 SH   SOLE   7,694 0 0
Oracle COMMON 68389X105   83 698 SH   SOLE   698 0 0
Organon & Co COMMON 68622V106   3 124 SH   SOLE   124 0 0
OTIS Worldwide Corp-Wi COMMON 68902V107   84 947 SH   SOLE   947 0 0
P P G Industries Inc. COMMON 693506107   235 1,583 SH   SOLE   1,583 0 0
Palo Alto Networks COMMON 697435105   114 447 SH   SOLE   447 0 0
Parker Hannifin Corp COMMON 701094104   222 570 SH   SOLE   570 0 0
Paychex Inc. COMMON 704326107   28 250 SH   SOLE   250 0 0
Paypal Holdings COMMON 70450Y103   27 410 SH   SOLE   410 0 0
Pepsico, Inc. COMMON 713448108   961 5,190 SH   SOLE   5,190 0 0
Pfizer Inc. COMMON 717081103   3,367 91,791 SH   SOLE   89,480 0 2,311
Philip Morris Intl Inc COMMON 718172109   20 208 SH   SOLE   208 0 0
Phillips 66 SHS COMMON 718546104   351 3,684 SH   SOLE   3,684 0 0
PIMCO Intermediate Muni Bond ETF ETF 72201R866   2,366 45,635 SH   SOLE   33,427 0 12,208
PNC Financial Services Group Inc. COMMON 693475105   173 1,377 SH   SOLE   1,377 0 0
Popular Inc COMMON 733174700   7 120 SH   SOLE   45 0 75
Powershares FTSE RAFI ETF ETF 46137V613   108 660 SH   SOLE   660 0 0
PowerShares QQQ Trust Sr 1 ETF ETF 46090E103   7 18 SH   SOLE   18 0 0
PPL Corporation COMMON 69351T106   8 288 SH   SOLE   288 0 0
Procter & Gamble COMMON 742718109   2,107 13,884 SH   SOLE   13,884 0 0
Progressive Corp COMMON 743315103   86 647 SH   SOLE   647 0 0
Public Storage, Inc. COMMON 74460D109   99 339 SH   SOLE   339 0 0
Public Sv Enterprise COMMON 744573106   163 2,598 SH   SOLE   2,598 0 0
Qorvo Inc COMMON 74736K101   1,250 12,247 SH   SOLE   11,942 0 305
Qualcomm Inc. COMMON 747525103   19 162 SH   SOLE   162 0 0
Quanta Services Inc COMMON 74762E102   97 496 SH   SOLE   496 0 0
Ranpack Holdings COMMON 75321W103   82 18,051 SH   SOLE   18,051 0 0
Raytheon Technologies Ord COMMON 75513E101   383 3,914 SH   SOLE   3,914 0 0
Regeneron Pharmaceuticals Inc COMMON 75886F107   22 30 SH   SOLE   30 0 0
Republic Services Inc COMMON 760759100   96 626 SH   SOLE   626 0 0
Rockwell Automation COMMON 773903109   240 728 SH   SOLE   728 0 0
Roper Industries Inc COMMON 776696106   2,644 5,499 SH   SOLE   5,339 0 160
Royce Micro-Cap Trust COMMON 780915104   17 1,890 SH   SOLE   1,890 0 0
Rydex S&P 500 Eq Wgt ETF ETF 46137V357   22 145 SH   SOLE   145 0 0
Sabre Corporation COMMON 78573M104   12 3,844 SH   SOLE   3,844 0 0
Salesforce Com COMMON 79466L302   98 465 SH   SOLE   465 0 0
Schlumberger Limited COMMON 806857108   2,650 53,955 SH   SOLE   52,621 0 1,334
Schwab Emerging Mkt ETF ETF 808524706   91 3,684 SH   SOLE   3,684 0 0
Schwab Intermediate US Treasury ETF ETF 808524854   77 1,559 SH   SOLE   1,559 0 0
Schwab Int'l Equity ETF ETF 808524805   12,400 347,824 SH   SOLE   344,671 0 3,153
Schwab Large Cap Value Indx ETF ETF 808524409   93 1,390 SH   SOLE   1,390 0 0
Schwab U.S. Broad Market ETF ETF 808524102   92,818 1,795,322 SH   SOLE   1,675,731 0 119,591
Schwab U.S. Tips ETF ETF 808524870   204 3,897 SH   SOLE   0 0 3,897
Schwab US Div Equity ETF ETF 808524797   87 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   3,207 51,832 SH   SOLE   50,786 0 1,046
Sector Spdr Fincl Select COMMON 81369Y605   70 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   379 2,182 SH   SOLE   2,182 0 0
Sempra Energy COMMON 816851109   15 101 SH   SOLE   101 0 0
ServiceNow Inc COMMON 81762P102   384 683 SH   SOLE   683 0 0
Shell plc COMMON 780259305   390 6,456 SH   SOLE   6,195 0 261
SK Telecom Ltd ADR ADR 78440P306   12 613 SH   SOLE   613 0 0
Skywest Inc COMMON 830879102   58 1,425 SH   SOLE   1,425 0 0
Skyworks Solutions Inc. COMMON 83088M102   44 397 SH   SOLE   397 0 0
Snap Inc COMMON 83304A106   2 200 SH   SOLE   200 0 0
Sonoco Products COMMON 835495102   200 3,385 SH   SOLE   3,385 0 0
Sony Group Corp COMMON 835699307   1,426 15,842 SH   SOLE   15,842 0 0
Southern Company COMMON 842587107   315 4,491 SH   SOLE   4,491 0 0
SPDR Consumer Disc Select ETF ETF 81369Y407   51 302 SH   SOLE   302 0 0
SPDR Gold Trust ETF ETF 78463V107   1,853 10,394 SH   SOLE   10,394 0 0
SPDR Materials Select Sec. ETF ETF 81369Y100   26 312 SH   SOLE   312 0 0
SPDR MSCI EAFE Fsl Fuel Fr ETF ETF 78470E106   55 1,454 SH   SOLE   1,454 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   308 6,674 SH   SOLE   0 0 6,674
SPDR S&P 500 ETF ETF 78462F103   1,350 3,046 SH   SOLE   2,132 0 914
SPDR S&P 500 Fossil Fl Fr ETF ETF 78468R796   889 24,571 SH   SOLE   24,571 0 0
SPDR S&P 600 Small Cap ETF ETF 78464A300   56 730 SH   SOLE   730 0 0
SPDR S&P Biotech ETF ETF 78464A870   1,985 23,856 SH   SOLE   23,221 0 635
SPDR S&P Dividend ETF ETF 78464A763   154 1,254 SH   SOLE   1,254 0 0
SPDR S&P Mid Cap 400 ETF ETF 78467Y107   227 475 SH   SOLE   475 0 0
SPDR Utility Select Sec ETF ETF 81369Y886   10 150 SH   SOLE   150 0 0
SPDR Blmbg Barclays Inv Grd Flt Rt ETF ETF 78468R200   172 5,610 SH   SOLE   5,610 0 0
Splunk Inc COMMON 848637104   1,804 17,009 SH   SOLE   16,765 0 244
Spotify Technology SA COMMON L8681T102   6 40 SH   SOLE   40 0 0
Standex Int'l Corp. COMMON 854231107   74 520 SH   SOLE   520 0 0
Starbucks COMMON 855244109   2,837 28,641 SH   SOLE   27,686 0 955
Steris Corp. COMMON G8473T100   299 1,328 SH   SOLE   1,328 0 0
Stitch Fix Inc COMMON 860897107   2 483 SH   SOLE   483 0 0
Stryker Corp. COMMON 863667101   75 245 SH   SOLE   100 0 145
Suncor Energy Inc. COMMON 867224107   9 324 SH   SOLE   324 0 0
Synchrony Financial COMMON 87165B103   198 5,829 SH   SOLE   5,829 0 0
Sysco Corp. COMMON 871829107   123 1,658 SH   SOLE   1,658 0 0
Taiwan Semiconductor ADR ADR 874039100   7,983 79,102 SH   SOLE   77,213 0 1,889
Target Corp. COMMON 87612E106   72 543 SH   SOLE   543 0 0
Teradata Corp COMMON 88076W103   32 600 SH   SOLE   600 0 0
Tesla Motors COMMON 88160R101   3 12 SH   SOLE   12 0 0
Texas Instruments Inc. COMMON 882508104   338 1,880 SH   SOLE   1,880 0 0
The Charles Schwab Corp. COMMON 808513105   6,655 117,416 SH   SOLE   113,936 0 3,480
The Travelers Companies Inc. COMMON 89417E109   865 4,979 SH   SOLE   4,979 0 0
Thermo Fisher Scientific COMMON 883556102   436 836 SH   SOLE   836 0 0
Thomson Reuters Corp COMMON 884903808   177 1,311 SH   SOLE   1,154 0 157
Thor Industries Inc COMMON 885160101   478 4,614 SH   SOLE   4,614 0 0
TJX Companies Inc COMMON 872540109   14 170 SH   SOLE   0 0 170
Toronto-Dominion Bank COMMON 891160509   617 9,942 SH   SOLE   9,942 0 0
TPI Composites Inc COMMON 87266J104   11 1,080 SH   SOLE   1,080 0 0
Trane Technologies PLC COMMON G8994E103   311 1,625 SH   SOLE   1,625 0 0
Travel Leisure Ord COMMON 894164102   18 452 SH   SOLE   452 0 0
Truist Finl Corp Com COMMON 89832Q109   21 683 SH   SOLE   683 0 0
Trustmark Corp. COMMON 898402102   2,952 139,788 SH   SOLE   139,788 0 0
U S Bancorp COMMON 902973304   41 1,250 SH   SOLE   1,250 0 0
Uber Technologies Inc COMMON 90353T100   24 550 SH   SOLE   550 0 0
UDR Inc COMMON 902653104   51 1,196 SH   SOLE   1,196 0 0
Unilever PLC ADR ADR 904767704   675 12,942 SH   SOLE   12,942 0 0
Union Pacific COMMON 907818108   243 1,186 SH   SOLE   1,186 0 0
United Continental Holdings Inc COMMON 910047109   10 183 SH   SOLE   183 0 0
United Parcel Service COMMON 911312106   77 429 SH   SOLE   429 0 0
Unitedhealth Group Inc. COMMON 91324P102   170 354 SH   SOLE   354 0 0
Unum Provident Corp. COMMON 91529Y106   170 3,559 SH   SOLE   3,559 0 0
V F Corp. COMMON 918204108   225 11,771 SH   SOLE   11,771 0 0
Vale SA COMMON 91912E105   27 2,000 SH   SOLE   2,000 0 0
Valero Energy COMMON 91913Y100   1,892 16,133 SH   SOLE   15,634 0 499
Vaneck Vectors Gold Miners ETF ETF 92189F106   1,337 44,389 SH   SOLE   44,389 0 0
Vangard Russell 2000 ETF ETF 92206C664   29 386 SH   SOLE   386 0 0
Vanguard 500 ETF ETF 922908363   1,248 3,065 SH   SOLE   3,065 0 0
Vanguard Developed Market ETF ETF 921943858   26,957 583,730 SH   SOLE   516,850 0 66,880
Vanguard Div Appreciation ETF ETF 921908844   673 4,142 SH   SOLE   3,001 0 1,141
Vanguard Emerging Market ETF ETF 922042858   15,286 375,752 SH   SOLE   347,661 0 28,091
Vanguard ESG International Stock ETF ETF 921910725   9,599 180,747 SH   SOLE   168,991 0 11,756
Vanguard ESG US Corporate Bond ETF ETF 921910691   5,692 91,836 SH   SOLE   84,200 0 7,636
Vanguard ESG US Stock ETF ETF 921910733   13,745 175,429 SH   SOLE   164,037 0 11,392
Vanguard Financials ETF ETF 92204A405   43 526 SH   SOLE   526 0 0
Vanguard FTSE All World ex US ETF ETF 922042775   251 4,618 SH   SOLE   4,618 0 0
Vanguard FTSE Pacific ETF ETF 922042866   6 91 SH   SOLE   91 0 0
Vanguard Growth ETF ETF 922908736   1,393 4,924 SH   SOLE   4,924 0 0
Vanguard Health Care ETF ETF 92204A504   260 1,061 SH   SOLE   1,061 0 0
Vanguard High Dividend Yd ETF ETF 921946406   225 2,118 SH   SOLE   2,118 0 0
Vanguard Info Technology ETF ETF 92204A702   86 194 SH   SOLE   55 0 139
Vanguard Interm-Temp Corp Bd ETF ETF 92206C870   60 763 SH   SOLE   763 0 0
Vanguard Intmdt-Term Trs ETF ETF 92206C706   47 798 SH   SOLE   798 0 0
Vanguard Large-Cap ETF ETF 922908637   9 43 SH   SOLE   43 0 0
Vanguard Mid Cap ETF ETF 922908629   41 188 SH   SOLE   188 0 0
Vanguard Mid Cap Value ETF ETF 922908512   57 413 SH   SOLE   413 0 0
Vanguard Muni Bond ETF ETF 922907746   3,058 60,883 SH   SOLE   47,793 0 13,090
Vanguard REIT ETF ETF 922908553   133 1,595 SH   SOLE   1,595 0 0
Vanguard S&P Mid-Cap 400 ETF 921932844   124 1,504 SH   SOLE   1,504 0 0
Vanguard S&P Mid-Cap 400 Growth ETF ETF 921932869   84 902 SH   SOLE   902 0 0
Vanguard Short-Term Bond ETF ETF 921937827   1,906 25,217 SH   SOLE   24,508 0 709
Vanguard Short-Term Treasury ETF ETF 92206C102   2,676 46,350 SH   SOLE   42,853 0 3,497
Vanguard Sh-Tm Inflat- Prot ETF ETF 922020805   328 6,926 SH   SOLE   5,198 0 1,728
Vanguard Small Cap ETF ETF 922908751   29 145 SH   SOLE   145 0 0
Vanguard Small Cap Growth ETF ETF 922908595   60 261 SH   SOLE   261 0 0
Vanguard Small Cap Value ETF ETF 922908611   27 164 SH   SOLE   164 0 0
Vanguard Total Int'l Bond Market ETF ETF 92203J407   17,104 349,916 SH   SOLE   319,222 0 30,694
Vanguard Total Stk Mkt ETF ETF 922908769   3,425 15,551 SH   SOLE   14,667 0 884
Vanguard Total U.S. Bond Market ETF ETF 921937835   32,503 447,149 SH   SOLE   401,748 0 45,401
Vanguard Ultra-Short Bond ETF ETF 92203C303   16 335 SH   SOLE   335 0 0
Vanguard Value Index ETF ETF 922908744   250 1,761 SH   SOLE   1,761 0 0
Ventas REIT Inc REIT 92276F100   341 7,211 SH   SOLE   7,211 0 0
Verizon Communications Inc. COMMON 92343V104   1,836 49,377 SH   SOLE   48,453 0 924
Vertex Pharmaceuticals COMMON 92532F100   26 75 SH   SOLE   75 0 0
Viasat Inc COMMON 92552V100   23 565 SH   SOLE   565 0 0
Visa Inc COMMON 92826C839   3,975 16,736 SH   SOLE   16,563 0 173
Vistra Energy Corp COMMON 92840M102   52 1,993 SH   SOLE   1,993 0 0
Volkswagen AG COMMON 928662600   1 86 SH   SOLE   86 0 0
W. P. Carey & Co. LLC COMMON 92936U109   66 983 SH   SOLE   778 0 205
Walgreens Boots Alli COMMON 931427108   23 800 SH   SOLE   800 0 0
Wal-Mart Stores COMMON 931142103   675 4,294 SH   SOLE   4,294 0 0
Walt Disney Hldg COMMON 254687106   2,637 29,537 SH   SOLE   28,958 0 579
Warner Bros. Discovery, Inc. COMMON 934423104   29 2,318 SH   SOLE   2,318 0 0
Watts Water Technologies COMMON 942749102   105 573 SH   SOLE   573 0 0
WEC Energy Group COMMON 92939U106   348 3,947 SH   SOLE   3,947 0 0
Wells Fargo & Co COMMON 949746101   13 295 SH   SOLE   295 0 0
Welltower Inc REIT REIT 95040Q104   121 1,500 SH   SOLE   1,500 0 0
Western Union Co COMMON 959802109   37 3,115 SH   SOLE   3,115 0 0
Westpac Banking Corp COMMON Q97417101   44 3,125 SH   SOLE   3,125 0 0
Weyerhaeuser Company COMMON 962166104   729 21,752 SH   SOLE   21,752 0 0
Whirlpool COMMON 963320106   814 5,473 SH   SOLE   5,473 0 0
WisdomTree Emerg Mk SmCap ETF ETF 97717W281   96 2,070 SH   SOLE   2,011 0 59
WisdomTree EmMkts ex-Stt-Ownd EntrprsETF ETF 97717X578   13 475 SH   SOLE   475 0 0
WisdomTree India Earnings ETF ETF 97717W422   93 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   176 12,003 SH   SOLE   12,003 0 0
WPP COMMON 92937A102   3,213 61,451 SH   SOLE   60,452 0 999
Wyndham Hotels & Resorts Inc COMMON 98311A105   31 452 SH   SOLE   452 0 0
Xcel Energy Inc. COMMON 98389B100   109 1,750 SH   SOLE   1,750 0 0
Xebec Adsorption Inc (NV) COMMON 983891102   0 1,050 SH   SOLE   1,050 0 0
Xylem Inc COMMON 98419M100   537 4,766 SH   SOLE   4,766 0 0
Yum China Hldgs Inc Com COMMON 98850P109   1,624 28,752 SH   SOLE   28,616 0 136
Yum! Brands, Inc. COMMON 988498101   69 499 SH   SOLE   499 0 0
Zimmer Biomet Holdings Inc. COMMON 98956P102   13 90 SH   SOLE   90 0 0
ZIMVIE ORD WI COMMON 98888T107   0 9 SH   SOLE   9 0 0
Zoetis Inc COMMON 98978V103   31 179 SH   SOLE   179 0 0