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   120 1,285 SH   SOLE   1,285 0 0
A F L A C Inc. COMMON 001055102   101 1,318 SH   SOLE   1,318 0 0
Abbott Laboratories COMMON 002824100   1,123 11,594 SH   SOLE   11,594 0 0
AbbVie Inc. COMMON 00287Y109   1,170 7,848 SH   SOLE   7,848 0 0
Aberdeen Asia Pac Income Fd COMMON 003009107   98 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   120 391 SH   SOLE   316 0 75
ACNB Corporation COMMON 000868109   20 625 SH   SOLE   625 0 0
Activision Inc. COMMON 00507V109   273 2,920 SH   SOLE   2,920 0 0
Adobe Systems Inc. COMMON 00724F101   66 130 SH   SOLE   130 0 0
Advanced Micro Devices COMMON 007903107   92 890 SH   SOLE   890 0 0
Aecom COMMON 00766T100   12 149 SH   SOLE   149 0 0
Air Products & Chemicals Inc. COMMON 009158106   940 3,318 SH   SOLE   3,318 0 0
Alerus Finl Corp COMMON 01446U103   5 300 SH   SOLE   300 0 0
Allegion Public Ltd Co COMMON G0176J109   21 200 SH   SOLE   200 0 0
Alliant Energy Corp COMMON 018802108   537 11,089 SH   SOLE   11,002 0 87
Allstate COMMON 020002101   230 2,060 SH   SOLE   2,060 0 0
Alphabet, Inc Cl C COMMON 02079K107   3,727 28,270 SH   SOLE   27,430 0 840
Alphabet, Inc. Cl A COMMON 02079K305   4,233 32,350 SH   SOLE   30,818 0 1,532
Altria Group Inc. COMMON 02209S103   7 170 SH   SOLE   170 0 0
Amazon.Com COMMON 023135106   3,636 28,604 SH   SOLE   27,570 0 1,034
Amer Electric Pwr Co Inc COMMON 025537101   23 300 SH   SOLE   300 0 0
America Movil L ADR ADR 02390A101   62 3,600 SH   SOLE   3,600 0 0
American Express Company COMMON 025816109   421 2,824 SH   SOLE   2,824 0 0
Ameriprise Financial Inc. COMMON 03076C106   143 433 SH   SOLE   433 0 0
Amgen Incorporated COMMON 031162100   387 1,439 SH   SOLE   1,439 0 0
Amkor Technology Inc COMMON 031652100   888 39,307 SH   SOLE   39,307 0 0
Anthem Inc COMMON 036752103   111 255 SH   SOLE   255 0 0
Apple Inc. COMMON 037833100   5,446 31,810 SH   SOLE   30,713 0 1,097
Applied Materials COMMON 038222105   110 794 SH   SOLE   794 0 0
AptarGroup, Inc COMMON 038336103   1,600 12,797 SH   SOLE   12,458 0 339
Archer-Daniels-Midland Inc. COMMON 039483102   189 2,505 SH   SOLE   2,008 0 497
ARK Next Generation Internet ETF ETF 00214Q401   5 98 SH   SOLE   98 0 0
Arrowhead Pharma Inc COMMON 04280A100   9 320 SH   SOLE   320 0 0
Astec Industries COMMON 046224101   206 4,363 SH   SOLE   4,363 0 0
AstraZeneca plc ADR ADR 046353108   1,046 15,448 SH   SOLE   15,448 0 0
AT&T Inc. COMMON 00206R102   322 21,419 SH   SOLE   21,419 0 0
Atmos Energy Corp COMMON 049560105   16 150 SH   SOLE   150 0 0
Auto Data Processing COMMON 053015103   291 1,209 SH   SOLE   1,209 0 0
Avery Dennison COMMON 053611109   38 208 SH   SOLE   208 0 0
Baidu Inc ADR ADR 056752108   126 941 SH   SOLE   941 0 0
Bank of America Corp COMMON 060505104   60 2,197 SH   SOLE   2,197 0 0
Bank of New York Mellon COMMON 064058100   68 1,602 SH   SOLE   1,602 0 0
Baxter International COMMON 071813109   201 5,323 SH   SOLE   5,323 0 0
BCE Inc. COMMON 05534B760   114 2,994 SH   SOLE   2,291 0 703
Becton Dickinson & Co COMMON 075887109   752 2,910 SH   SOLE   2,910 0 0
Berkshire Hathaway Cl B COMMON 084670702   6,018 17,180 SH   SOLE   16,354 0 826
Biogen Idec Inc COMMON 09062X103   154 601 SH   SOLE   601 0 0
Blackrock Inc COMMON 09247X101   109 168 SH   SOLE   168 0 0
Blkrck Muniyield Qlty Fd COMMON 09254F100   13 1,300 SH   SOLE   1,300 0 0
Boeing Co. COMMON 097023105   3,558 18,561 SH   SOLE   18,320 0 241
Borg Warner Inc COMMON 099724106   484 12,001 SH   SOLE   12,001 0 0
BP plc ADR ADR 055622104   20 528 SH   SOLE   528 0 0
Bristol Myers COMMON 110122108   2,045 35,237 SH   SOLE   35,237 0 0
Broadridge Finl Solution COMMON 11133T103   125 700 SH   SOLE   700 0 0
Brookfield Asset Management COMMON 113004105   58 1,748 SH   SOLE   1,446 0 302
Brookfield Corp COMMON 11271J107   217 6,951 SH   SOLE   6,951 0 0
Brookfield Renewable Corp Ordinary Shares - Class COMMON 11284V105   185 7,744 SH   SOLE   7,744 0 0
Cambria Cannabis ETF ETF 132061821   1 100 SH   SOLE   100 0 0
Canadian Natl Ry Co COMMON 136375102   17 158 SH   SOLE   158 0 0
Canadian Pacific COMMON 13646K108   43 582 SH   SOLE   582 0 0
Capital One Financial COMMON 14040H105   70 724 SH   SOLE   724 0 0
Cardinal Health Inc COMMON 14149Y108   17 200 SH   SOLE   200 0 0
Carrier Global Corp-Wi COMMON 14448C104   134 2,422 SH   SOLE   2,422 0 0
Caterpillar COMMON 149123101   2,443 8,949 SH   SOLE   8,949 0 0
CBRE Group Inc COMMON 12504L109   274 3,708 SH   SOLE   3,708 0 0
Cencora, Inc COMMON 03073E105   28 154 SH   SOLE   154 0 0
Charter Communications Inc COMMON 16119P108   109 248 SH   SOLE   248 0 0
Chemed Corp. COMMON 16359R103   1,714 3,299 SH   SOLE   3,299 0 0
Chemours Co LLC COMMON 163851108   5 185 SH   SOLE   185 0 0
Cheniere Energy Inc New COMMON 16411R208   12 73 SH   SOLE   73 0 0
Chevron Corp. COMMON 166764100   700 4,153 SH   SOLE   4,094 0 59
China Automotive Systems Inc COMMON 16936R105   65 16,664 SH   SOLE   16,664 0 0
Chubb Limited COMMON H1467J104   1,786 8,581 SH   SOLE   8,339 0 242
Cigna Corp COMMON 125523100   240 838 SH   SOLE   838 0 0
Cincinnati Financial Corp COMMON 172062101   40 390 SH   SOLE   390 0 0
Cintas Corp. COMMON 172908105   8 17 SH   SOLE   17 0 0
Cisco Systems, Inc. COMMON 17275R102   3,364 62,579 SH   SOLE   60,325 0 2,254
Citigroup COMMON 172967424   113 2,758 SH   SOLE   2,758 0 0
Clorox Company COMMON 189054109   13 100 SH   SOLE   100 0 0
CME Group Inc. COMMON 12572Q105   424 2,117 SH   SOLE   2,117 0 0
Coca-Cola Co COMMON 191216100   3,647 65,142 SH   SOLE   63,117 0 2,025
Colgate-Palmolive COMMON 194162103   458 6,441 SH   SOLE   6,441 0 0
Comcast Corp. COMMON 20030N101   262 5,907 SH   SOLE   5,907 0 0
Comerica Incorporated COMMON 200340107   83 2,000 SH   SOLE   2,000 0 0
Community Bank System COMMON 203607106   316 7,480 SH   SOLE   6,580 0 900
Conoco Phillips COMMON 20825C104   882 7,361 SH   SOLE   7,361 0 0
Consolidated Edison Inc. COMMON 209115104   124 1,453 SH   SOLE   1,453 0 0
Constellation Brand Cl Aclass A COMMON 21036P108   30 119 SH   SOLE   119 0 0
Constellation Energy Co. COMMON 21037T109   18 163 SH   SOLE   163 0 0
COPT Defense Properties COMMON 22002T108   8 343 SH   SOLE   343 0 0
Corning COMMON 219350105   4,449 146,000 SH   SOLE   143,599 0 2,401
Corteva Inc com COMMON 22052L104   43 843 SH   SOLE   843 0 0
Costco COMMON 22160K105   5,867 10,384 SH   SOLE   10,202 0 182
Crown Castle International Corp COMMON 22822V101   3 30 SH   SOLE   30 0 0
CSX Corp COMMON 126408103   284 9,240 SH   SOLE   9,240 0 0
CVS Corp COMMON 126650100   541 7,744 SH   SOLE   7,379 0 365
Danaher Corp COMMON 235851102   37 150 SH   SOLE   150 0 0
Deere & Company COMMON 244199105   905 2,397 SH   SOLE   2,397 0 0
Devon Energy Corp COMMON 25179M103   50 1,051 SH   SOLE   1,051 0 0
Digital Realty Trust REIT REIT 253868103   164 1,358 SH   SOLE   1,358 0 0
Dominion Energy COMMON 25746U109   202 4,533 SH   SOLE   4,533 0 0
Dover Corporation COMMON 260003108   51 362 SH   SOLE   362 0 0
Dow In COMMON 260557103   138 2,681 SH   SOLE   2,681 0 0
Dr Reddys Labs ADR ADR 256135203   365 5,456 SH   SOLE   5,456 0 0
Duke Energy Corp. COMMON 26441C204   1,659 18,795 SH   SOLE   18,614 0 181
E Bay Inc. COMMON 278642103   21 475 SH   SOLE   475 0 0
E I DuPont COMMON 26614N102   1,971 26,423 SH   SOLE   25,400 0 1,023
E O G Resources Inc COMMON 26875P101   17 132 SH   SOLE   132 0 0
East West Bancorp COMMON 27579R104   432 8,201 SH   SOLE   8,201 0 0
Eastman Chemical Co. COMMON 277432100   15 200 SH   SOLE   200 0 0
Eaton Corp. COMMON G29183103   470 2,203 SH   SOLE   2,203 0 0
Ecofin Global Water ESG COMMON 56167N753   26 684 SH   SOLE   684 0 0
Ecolab Inc. COMMON 278865100   38 222 SH   SOLE   222 0 0
Edison International COMMON 281020107   172 2,710 SH   SOLE   2,710 0 0
Eli Lilly & Co. COMMON 532457108   1,879 3,499 SH   SOLE   3,499 0 0
Emerson Electric Co. COMMON 291011104   1,751 18,137 SH   SOLE   17,305 0 832
EMQQ Emerging Markets Intrnt & Ecmrc ETF ETF 301505889   84 2,854 SH   SOLE   2,799 0 55
Energy Transfer Equity LP COMMON 29273V100   27 1,952 SH   SOLE   1,952 0 0
Enterprise Products Prtn LP COMMON 293792107   145 5,307 SH   SOLE   5,307 0 0
Equifax Inc COMMON 294429105   68 373 SH   SOLE   373 0 0
Equity Residential Prop. REIT REIT 29476L107   183 3,119 SH   SOLE   3,119 0 0
Essential utilities ord COMMON 29670G102   108 3,142 SH   SOLE   3,142 0 0
Eversource Energy COMMON 30040W108   19 328 SH   SOLE   328 0 0
Expeditors Int'l of Washington COMMON 302130109   73 640 SH   SOLE   640 0 0
Exxon Mobil Corporation COMMON 30231G102   2,655 22,579 SH   SOLE   20,484 0 2,095
Facebook Inc Class A COMMON 30303M102   128 427 SH   SOLE   427 0 0
Fedex Corporation COMMON 31428X106   1,356 5,119 SH   SOLE   5,119 0 0
Fidelity MSCI Health Care ETF ETF 316092600   43 711 SH   SOLE   0 0 711
Fidelity MSCI Utilities ETF ETF 316092865   23 613 SH   SOLE   0 0 613
Fidus Investment Corp COMMON 316500107   20 1,035 SH   SOLE   1,035 0 0
First Solar Inc COMMON 336433107   1,987 12,294 SH   SOLE   12,294 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   166 2,825 SH   SOLE   2,825 0 0
Fortrea Holdings Inc COMMON 34965K107   6 201 SH   SOLE   201 0 0
GE Healthcare COMMON 36266G107   74 1,093 SH   SOLE   979 0 114
Generac Holdings Inc COMMON 368736104   113 1,039 SH   SOLE   1,039 0 0
General Electric Co. COMMON 369604301   450 4,068 SH   SOLE   3,726 0 342
General Mills, Inc. COMMON 370334104   112 1,752 SH   SOLE   1,752 0 0
Genuine Parts Co COMMON 372460105   36 250 SH   SOLE   250 0 0
Gilat Satellite Networks Ltd COMMON M51474118   37 5,822 SH   SOLE   5,822 0 0
Gilead Sciences Inc COMMON 375558103   157 2,091 SH   SOLE   2,091 0 0
Global X S&P 500 Catholic Values ETF ETF 37954Y889   214 4,085 SH   SOLE   4,085 0 0
GlobalFoundries, Inc COMMON G39387108   4 65 SH   SOLE   65 0 0
Goldman Sachs Group Inc COMMON 38141G104   212 655 SH   SOLE   655 0 0
Guggenheim S&P Global Water Index COMMON 46138E263   25 534 SH   SOLE   534 0 0
Halliburton Company COMMON 406216101   55 1,359 SH   SOLE   1,359 0 0
Hanesbrands Inc. COMMON 410345102   33 8,350 SH   SOLE   6,350 0 2,000
Hershey Foods Corp COMMON 427866108   183 914 SH   SOLE   914 0 0
Hess Corporation COMMON 42809H107   60 390 SH   SOLE   390 0 0
Home Depot COMMON 437076102   627 2,074 SH   SOLE   2,074 0 0
Honeywell International COMMON 438516106   2,601 14,077 SH   SOLE   13,669 0 408
Hormel Foods Corp COMMON 440452100   24 640 SH   SOLE   640 0 0
HSBC Holdings PLC ADR ADR 404280406   32 809 SH   SOLE   809 0 0
Humana COMMON 444859102   559 1,148 SH   SOLE   1,148 0 0
IBM Corp. COMMON 459200101   3,160 22,522 SH   SOLE   20,657 0 1,865
Illinois Tool Works COMMON 452308109   211 916 SH   SOLE   916 0 0
Imperial Oil Ltd COMMON 453038408   201 3,259 SH   SOLE   3,259 0 0
India Fund COMMON 454089103   12 695 SH   SOLE   695 0 0
Ingersoll Rand Inc COMMON 45687V106   29 454 SH   SOLE   454 0 0
Ingredion Incorporated COMMON 457187102   2,177 22,119 SH   SOLE   21,783 0 336
Integer Holdings Corp COMMON 45826H109   621 7,919 SH   SOLE   7,644 0 275
Intel Corp. COMMON 458140100   577 16,232 SH   SOLE   16,232 0 0
International Flavors & Fragrances Inc COMMON 459506101   2,159 31,678 SH   SOLE   31,678 0 0
Intuit COMMON 461202103   15 29 SH   SOLE   29 0 0
Invesco Cleantech ETF ETF 46137V407   6 140 SH   SOLE   140 0 0
Invesco Global Water ETF ETF 46138E651   60 1,764 SH   SOLE   1,764 0 0
Iqvia Hldgs Inc COMMON 46266C105   7 36 SH   SOLE   36 0 0
Iron Mountain Inc REIT REIT 46284V101   28 475 SH   SOLE   475 0 0
Ishares 20 Yr Treas. Barclays ETF ETF 464287432   31 351 SH   SOLE   351 0 0
iShares 5-10 Yr Corporate Bond ETF ETF 464288638   53 1,080 SH   SOLE   1,080 0 0
iShares Core Dividend Growth ETF ETF 46434V621   404 8,148 SH   SOLE   8,148 0 0
iShares Core International Bond ETF ETF 46435G672   75 1,537 SH   SOLE   1,537 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   23 364 SH   SOLE   0 0 364
iShares Core MSCI ETF ETF 46434G103   336 7,066 SH   SOLE   4,670 0 2,396
iShares DJ US Financial ETF ETF 464287788   83 1,108 SH   SOLE   1,108 0 0
iShares Dow J. Healthcare ETF ETF 464287762   128 474 SH   SOLE   474 0 0
iShares ESG Aware MSCI EAFE ETF ETF 46435G516   276 3,995 SH   SOLE   3,995 0 0
iShares Expanded Tech-Software Sect ETF ETF 464287515   173 508 SH   SOLE   508 0 0
iShares Global Clean Energy ETF 464288224   264 18,046 SH   SOLE   16,546 0 1,500
Ishares Gold ETF ETF 464285204   677 19,359 SH   SOLE   17,004 0 2,355
iShares Lehman Agg Bond Fd ETF ETF 464287226   404 4,291 SH   SOLE   4,291 0 0
iShares MSCI EAFE ETF ETF 464287465   232 3,360 SH   SOLE   3,360 0 0
iShares MSCI Emerging Market ETF ETF 464287234   17 453 SH   SOLE   0 0 453
iShares MSCI Global Gold Miners ETF ETF 46434G855   45 2,182 SH   SOLE   0 0 2,182
iShares MSCI Taiwan Index ETF ETF 46434G772   63 1,425 SH   SOLE   1,425 0 0
iShares NASDAQ Biotech ETF ETF 464287556   533 4,362 SH   SOLE   3,961 0 401
iShares Russell 1000 Growth ETF ETF 464287614   60 227 SH   SOLE   227 0 0
iShares Russell 1000 Val ETF ETF 464287598   4,112 27,086 SH   SOLE   27,086 0 0
iShares Russell 2000 Growth ETF ETF 464287648   12 54 SH   SOLE   54 0 0
Ishares Russell 2000 Value ETF ETF 464287630   20 151 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   464 1,081 SH   SOLE   1,081 0 0
iShares S&P Midcap 400 Index ETF ETF 464287507   133 535 SH   SOLE   364 0 171
iShares S&P Mid-Cap Grow ETF ETF 464287606   29 396 SH   SOLE   396 0 0
iShares S&P Sm Cap Idx 600 ETF ETF 464287804   262 2,780 SH   SOLE   1,852 0 928
iShares Select Dividend Idx ETF ETF 464287168   100 932 SH   SOLE   932 0 0
iShares TIPS Bond ETF ETF 464287176   580 5,595 SH   SOLE   5,254 0 341
iShares Tr DJ U S Tech Sector ETF ETF 464287721   110 1,051 SH   SOLE   1,051 0 0
Jacobs Engineering Group Inc COMMON 46982L108   41 303 SH   SOLE   303 0 0
Johnson & Johnson COMMON 478160104   2,053 13,180 SH   SOLE   12,426 0 754
JP Morgan Chase & Co COMMON 46625H100   2,661 18,347 SH   SOLE   17,707 0 640
JPMorgan Ultra-Short Income ETF ETF 46641Q837   44 881 SH   SOLE   881 0 0
Kenvue Inc. COMMON 49177J102   146 7,284 SH   SOLE   7,284 0 0
Kilroy Realty Corp REIT REIT 49427F108   1,334 42,201 SH   SOLE   41,233 0 968
Kimberly-Clark Corp. COMMON 494368103   275 2,278 SH   SOLE   2,278 0 0
KLA-Tencor Corporation COMMON 482480100   72 157 SH   SOLE   157 0 0
Kon Philips Electric NV COMMON 500472303   45 2,250 SH   SOLE   2,250 0 0
Kraft Heinz Company COMMON 500754106   581 17,271 SH   SOLE   17,188 0 83
Laboratory Corp of America Hlds COMMON 50540R409   135 670 SH   SOLE   575 0 95
Linde plc COMMON G54950103   32 85 SH   SOLE   85 0 0
Lockheed Martin COMMON 539830109   60 146 SH   SOLE   146 0 0
Loews Corp COMMON 540424108   147 2,321 SH   SOLE   2,321 0 0
Lowes Companies Inc. COMMON 548661107   217 1,045 SH   SOLE   1,045 0 0
Lululemon Athletica Inc COMMON 550021109   10 25 SH   SOLE   25 0 0
M K S Instruments Inc. COMMON 55306N104   544 6,289 SH   SOLE   6,289 0 0
M&T Bank Corp COMMON 55261F104   1,005 7,946 SH   SOLE   7,935 0 11
Marathon Petroleum Corp COMMON 56585A102   387 2,559 SH   SOLE   2,559 0 0
Marsh & McLennan Co's COMMON 571748102   69 362 SH   SOLE   362 0 0
Mastercard Inc COMMON 57636Q104   192 486 SH   SOLE   486 0 0
McDonald's Corp COMMON 580135101   752 2,856 SH   SOLE   2,856 0 0
McKesson Corp. COMMON 58155Q103   2,052 4,718 SH   SOLE   4,450 0 268
Medtronic Inc. COMMON G5960L103   3,351 42,763 SH   SOLE   41,958 0 805
Merck COMMON 58933Y105   5,302 51,504 SH   SOLE   50,289 0 1,215
Microsoft COMMON 594918104   12,996 41,158 SH   SOLE   40,048 0 1,110
Middlesex Water Co COMMON 596680108   20 300 SH   SOLE   300 0 0
Mondelez Int'l Inc. COMMON 609207105   782 11,273 SH   SOLE   11,106 0 167
Morgan Stanley Dean Witter COMMON 617446448   97 1,186 SH   SOLE   1,186 0 0
Motorola Solutions Inc COMMON 620076307   129 473 SH   SOLE   473 0 0
MSCI Inc COMMON 55354G100   10 20 SH   SOLE   20 0 0
National Fuel Gas COMMON 636180101   5 100 SH   SOLE   100 0 0
National Grid Plc ADR ADR 636274409   91 1,506 SH   SOLE   1,506 0 0
NCR Corporation COMMON 62886E108   440 16,331 SH   SOLE   15,625 0 706
Netflix Inc. COMMON 64110L106   38 100 SH   SOLE   100 0 0
Nextera Energy COMMON 65339F101   269 4,700 SH   SOLE   4,700 0 0
Nike, Inc. COMMON 654106103   91 947 SH   SOLE   947 0 0
Nisource Inc. COMMON 65473P105   1,701 68,902 SH   SOLE   65,249 0 3,653
Norfolk Southern COMMON 655844108   309 1,567 SH   SOLE   1,567 0 0
Northrop Grumman Corp COMMON 666807102   47 107 SH   SOLE   107 0 0
NortonLifeLock Inc COMMON 668771108   247 13,944 SH   SOLE   13,944 0 0
Novartis Ag ADR ADR 66987V109   75 740 SH   SOLE   740 0 0
Nucor Corp COMMON 670346105   15 98 SH   SOLE   98 0 0
Nutrien Ltd COMMON 67077M108   46 749 SH   SOLE   749 0 0
Nuveen AMT-Free Municipal Income Fund COMMON 670657105   5 500 SH   SOLE   500 0 0
Nvidia Corp COMMON 67066G104   275 633 SH   SOLE   508 0 125
Occidental Petroleum Corp. COMMON 674599105   11 175 SH   SOLE   175 0 0
Oneok Inc New COMMON 682680103   480 7,571 SH   SOLE   7,571 0 0
Oracle COMMON 68389X105   74 698 SH   SOLE   698 0 0
Organon & Co COMMON 68622V106   2 124 SH   SOLE   124 0 0
OTIS Worldwide Corp-Wi COMMON 68902V107   76 947 SH   SOLE   947 0 0
P P G Industries Inc. COMMON 693506107   205 1,583 SH   SOLE   1,583 0 0
Palo Alto Networks COMMON 697435105   105 447 SH   SOLE   447 0 0
Parker Hannifin Corp COMMON 701094104   231 593 SH   SOLE   593 0 0
Paychex Inc. COMMON 704326107   29 250 SH   SOLE   250 0 0
Paypal Holdings COMMON 70450Y103   40 680 SH   SOLE   680 0 0
Pepsico, Inc. COMMON 713448108   916 5,404 SH   SOLE   5,404 0 0
Pfizer Inc. COMMON 717081103   3,014 90,860 SH   SOLE   88,786 0 2,074
Philip Morris Intl Inc COMMON 718172109   14 150 SH   SOLE   150 0 0
Phillips 66 SHS COMMON 718546104   477 3,973 SH   SOLE   3,973 0 0
Phinia Inc COMMON 71880K101   7 267 SH   SOLE   267 0 0
PIMCO Intermediate Muni Bond ETF ETF 72201R866   2,059 41,125 SH   SOLE   29,748 0 11,377
PNC Financial Services Group Inc. COMMON 693475105   169 1,377 SH   SOLE   1,377 0 0
Powershares FTSE RAFI ETF ETF 46137V613   105 3,315 SH   SOLE   3,315 0 0
PowerShares QQQ Trust Sr 1 ETF ETF 46090E103   6 18 SH   SOLE   18 0 0
Procter & Gamble COMMON 742718109   2,025 13,884 SH   SOLE   13,884 0 0
Progressive Corp COMMON 743315103   90 647 SH   SOLE   647 0 0
Public Storage, Inc. COMMON 74460D109   89 339 SH   SOLE   339 0 0
Public Sv Enterprise COMMON 744573106   148 2,609 SH   SOLE   2,609 0 0
Qorvo Inc COMMON 74736K101   1,187 12,437 SH   SOLE   12,327 0 110
Qualcomm Inc. COMMON 747525103   18 162 SH   SOLE   162 0 0
Quanta Services Inc COMMON 74762E102   93 496 SH   SOLE   496 0 0
Ranpack Holdings COMMON 75321W103   95 17,488 SH   SOLE   17,488 0 0
Raytheon Technologies Ord COMMON 75513E101   278 3,861 SH   SOLE   3,861 0 0
Regeneron Pharmaceuticals Inc COMMON 75886F107   25 30 SH   SOLE   30 0 0
Republic Services Inc COMMON 760759100   89 626 SH   SOLE   626 0 0
Rockwell Automation COMMON 773903109   200 699 SH   SOLE   699 0 0
Roper Industries Inc COMMON 776696106   2,768 5,715 SH   SOLE   5,548 0 167
Rydex S&P 500 Eq Wgt ETF ETF 46137V357   21 145 SH   SOLE   145 0 0
Sabre Corporation COMMON 78573M104   17 3,844 SH   SOLE   3,844 0 0
Salesforce Com COMMON 79466L302   100 495 SH   SOLE   495 0 0
Schlumberger Limited COMMON 806857108   3,282 56,292 SH   SOLE   54,380 0 1,912
Schwab Emerging Mkt ETF ETF 808524706   0 1 SH   SOLE   0 0 1
Schwab Intermediate US Treasury ETF ETF 808524854   76 1,581 SH   SOLE   1,581 0 0
Schwab Int'l Equity ETF ETF 808524805   11,432 336,625 SH   SOLE   335,663 0 962
Schwab Large Cap Value Indx ETF ETF 808524409   90 1,390 SH   SOLE   1,390 0 0
Schwab U.S. Broad Market ETF ETF 808524102   94,627 1,898,228 SH   SOLE   1,782,261 0 115,967
Schwab U.S. Tips ETF ETF 808524870   97 1,926 SH   SOLE   0 0 1,926
Schwab US Div Equity ETF ETF 808524797   85 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   3,393 51,452 SH   SOLE   50,588 0 864
Sector Spdr Fincl Select COMMON 81369Y605   69 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   358 2,182 SH   SOLE   2,182 0 0
Sempra Energy COMMON 816851109   14 202 SH   SOLE   202 0 0
Sensata Technologies Holding PLC COMMON G8060N102   305 8,074 SH   SOLE   8,074 0 0
ServiceNow Inc COMMON 81762P102   293 524 SH   SOLE   524 0 0
Shell plc COMMON 780259305   411 6,386 SH   SOLE   6,125 0 261
SK Telecom Ltd ADR ADR 78440P306   8 364 SH   SOLE   364 0 0
Skyworks Solutions Inc. COMMON 83088M102   39 397 SH   SOLE   397 0 0
Snap Inc COMMON 83304A106   2 200 SH   SOLE   200 0 0
Sonoco Products COMMON 835495102   179 3,290 SH   SOLE   3,290 0 0
Sony Group Corp COMMON 835699307   1,301 15,782 SH   SOLE   15,782 0 0
Southern Company COMMON 842587107   304 4,691 SH   SOLE   4,691 0 0
SPDR Consumer Disc Select ETF ETF 81369Y407   49 302 SH   SOLE   302 0 0
SPDR Gold Trust ETF ETF 78463V107   1,729 10,083 SH   SOLE   10,083 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   21 602 SH   SOLE   602 0 0
SPDR MSCI Emerg Fsl Fl Free ETF ETF 78470E205   7 240 SH   SOLE   240 0 0
SPDR Nuveen Barclays Muni Bd ETF ETF 78468R721   292 6,674 SH   SOLE   0 0 6,674
SPDR S&P 500 ETF ETF 78462F103   1,302 3,046 SH   SOLE   2,132 0 914
SPDR S&P 500 Fossil Fl Fr ETF ETF 78468R796   799 23,011 SH   SOLE   23,011 0 0
SPDR S&P 600 Small Cap ETF ETF 78464A300   60 830 SH   SOLE   830 0 0
SPDR S&P Biotech ETF ETF 78464A870   1,702 23,312 SH   SOLE   22,754 0 558
SPDR S&P Dividend ETF ETF 78464A763   145 1,261 SH   SOLE   1,261 0 0
SPDR S&P Mid Cap 400 ETF ETF 78467Y107   217 475 SH   SOLE   275 0 200
SPDR Utility Select Sec ETF ETF 81369Y886   9 150 SH   SOLE   150 0 0
Splunk Inc COMMON 848637104   2,687 18,372 SH   SOLE   18,128 0 244
Standex Int'l Corp. COMMON 854231107   62 426 SH   SOLE   426 0 0
Starbucks COMMON 855244109   1,647 18,044 SH   SOLE   17,837 0 207
Steris Corp. COMMON G8473T100   254 1,157 SH   SOLE   1,157 0 0
Stryker Corp. COMMON 863667101   83 305 SH   SOLE   160 0 145
Suncor Energy Inc. COMMON 867224107   11 324 SH   SOLE   324 0 0
Synchrony Financial COMMON 87165B103   157 5,122 SH   SOLE   5,122 0 0
Sysco Corp. COMMON 871829107   110 1,658 SH   SOLE   1,658 0 0
Taiwan Semiconductor ADR ADR 874039100   7,092 81,615 SH   SOLE   80,127 0 1,488
Target Corp. COMMON 87612E106   45 410 SH   SOLE   410 0 0
Teradata Corp COMMON 88076W103   22 487 SH   SOLE   487 0 0
Tesla Motors COMMON 88160R101   3 12 SH   SOLE   12 0 0
Texas Instruments Inc. COMMON 882508104   314 1,977 SH   SOLE   1,977 0 0
The Charles Schwab Corp. COMMON 808513105   6,559 119,472 SH   SOLE   116,486 0 2,986
The Travelers Companies Inc. COMMON 89417E109   765 4,683 SH   SOLE   4,683 0 0
Thermo Fisher Scientific COMMON 883556102   464 916 SH   SOLE   916 0 0
Thomson Reuters Corp COMMON 884903808   155 1,265 SH   SOLE   1,108 0 157
Thor Industries Inc COMMON 885160101   434 4,557 SH   SOLE   4,557 0 0
TJX Companies Inc COMMON 872540109   24 270 SH   SOLE   100 0 170
Toronto-Dominion Bank COMMON 891160509   616 10,218 SH   SOLE   10,218 0 0
TPI Composites Inc COMMON 87266J104   3 1,064 SH   SOLE   1,064 0 0
Trane Technologies PLC COMMON G8994E103   330 1,625 SH   SOLE   1,625 0 0
Travel Leisure Ord COMMON 894164102   17 452 SH   SOLE   452 0 0
Truist Finl Corp Com COMMON 89832Q109   20 683 SH   SOLE   683 0 0
Trustmark Corp. COMMON 898402102   3,038 139,788 SH   SOLE   139,788 0 0
U S Bancorp COMMON 902973304   41 1,250 SH   SOLE   1,250 0 0
UDR Inc COMMON 902653104   43 1,196 SH   SOLE   1,196 0 0
Unilever PLC ADR ADR 904767704   679 13,738 SH   SOLE   13,738 0 0
Union Pacific COMMON 907818108   239 1,174 SH   SOLE   1,174 0 0
United Continental Holdings Inc COMMON 910047109   8 183 SH   SOLE   183 0 0
United Parcel Service COMMON 911312106   75 479 SH   SOLE   479 0 0
Unitedhealth Group Inc. COMMON 91324P102   199 395 SH   SOLE   395 0 0
Unum Provident Corp. COMMON 91529Y106   175 3,559 SH   SOLE   3,559 0 0
V F Corp. COMMON 918204108   336 19,025 SH   SOLE   19,025 0 0
Vale SA COMMON 91912E105   27 2,000 SH   SOLE   2,000 0 0
Valero Energy COMMON 91913Y100   2,392 16,883 SH   SOLE   16,384 0 499
Vaneck Vectors Gold Miners ETF ETF 92189F106   1,195 44,389 SH   SOLE   44,321 0 68
Vangard Russell 2000 ETF ETF 92206C664   28 386 SH   SOLE   386 0 0
Vanguard 500 ETF ETF 922908363   1,212 3,087 SH   SOLE   3,086 0 1
Vanguard Developed Market ETF ETF 921943858   28,830 659,431 SH   SOLE   592,071 0 67,360
Vanguard Div Appreciation ETF ETF 921908844   627 4,033 SH   SOLE   2,923 0 1,110
Vanguard Emerging Market ETF ETF 922042858   16,454 419,644 SH   SOLE   391,063 0 28,581
Vanguard ESG International Stock ETF ETF 921910725   9,464 187,624 SH   SOLE   169,599 0 18,025
Vanguard ESG US Corporate Bond ETF ETF 921910691   5,506 92,716 SH   SOLE   83,722 0 8,994
Vanguard ESG US Stock ETF ETF 921910733   13,841 184,009 SH   SOLE   167,022 0 16,987
Vanguard Financials ETF ETF 92204A405   42 526 SH   SOLE   526 0 0
Vanguard FTSE All World ex US ETF ETF 922042775   235 4,536 SH   SOLE   4,536 0 0
Vanguard FTSE Pacific ETF ETF 922042866   5 77 SH   SOLE   77 0 0
Vanguard Growth ETF ETF 922908736   1,319 4,842 SH   SOLE   4,842 0 0
Vanguard Health Care ETF ETF 92204A504   264 1,123 SH   SOLE   1,123 0 0
Vanguard High Dividend Yd ETF ETF 921946406   185 1,789 SH   SOLE   1,789 0 0
Vanguard Info Technology ETF ETF 92204A702   80 194 SH   SOLE   55 0 139
Vanguard Intermediate Corporate ETF ETF 92206C870   23,333 307,090 SH   SOLE   282,221 0 24,869
Vanguard Intermediate Treasury ETF ETF 92206C706   29,372 513,951 SH   SOLE   471,810 0 42,141
Vanguard Large-Cap ETF ETF 922908637   8 43 SH   SOLE   43 0 0
Vanguard Mid Cap ETF ETF 922908629   39 188 SH   SOLE   188 0 0
Vanguard Mid Cap Value ETF ETF 922908512   54 413 SH   SOLE   413 0 0
Vanguard Muni Bond ETF ETF 922907746   3,581 74,443 SH   SOLE   59,445 0 14,998
Vanguard REIT ETF ETF 922908553   100 1,328 SH   SOLE   1,328 0 0
Vanguard S&P Mid-Cap 400 ETF 921932844   117 1,504 SH   SOLE   1,504 0 0
Vanguard S&P Mid-Cap 400 Growth ETF ETF 921932869   81 902 SH   SOLE   902 0 0
Vanguard Short-Term Bond ETF ETF 921937827   1,125 14,963 SH   SOLE   14,892 0 71
Vanguard Short-Term Treasury ETF ETF 92206C102   933 16,194 SH   SOLE   16,194 0 0
Vanguard Sh-Tm Inflat- Prot ETF ETF 922020805   320 6,777 SH   SOLE   2,804 0 3,973
Vanguard Small Cap ETF ETF 922908751   27 145 SH   SOLE   145 0 0
Vanguard Small Cap Growth ETF ETF 922908595   56 261 SH   SOLE   261 0 0
Vanguard Total Int'l Bond Market ETF ETF 92203J407   1,994 41,689 SH   SOLE   40,048 0 1,641
Vanguard Total Stk Mkt ETF ETF 922908769   3,108 14,632 SH   SOLE   14,083 0 549
Vanguard Total U.S. Bond Market ETF ETF 921937835   4,294 61,533 SH   SOLE   59,801 0 1,732
Vanguard Total World Stock ETF ETF 922042742   272 2,922 SH   SOLE   2,671 0 251
Vanguard Ultra-Short Bond ETF ETF 92203C303   16 335 SH   SOLE   335 0 0
Vanguard Utilities Index Fund ETF 92204A876   14 108 SH   SOLE   108 0 0
Vanguard Value Index ETF ETF 922908744   243 1,761 SH   SOLE   1,761 0 0
Ventas REIT Inc REIT 92276F100   286 6,780 SH   SOLE   6,780 0 0
Verizon Communications Inc. COMMON 92343V104   1,378 42,517 SH   SOLE   41,593 0 924
Vertex Pharmaceuticals COMMON 92532F100   26 75 SH   SOLE   75 0 0
Viasat Inc COMMON 92552V100   71 3,837 SH   SOLE   3,837 0 0
Visa Inc COMMON 92826C839   4,060 17,652 SH   SOLE   17,390 0 262
Vistra Energy Corp COMMON 92840M102   66 1,993 SH   SOLE   1,993 0 0
W. P. Carey & Co. LLC COMMON 92936U109   33 603 SH   SOLE   603 0 0
Walgreens Boots Alli COMMON 931427108   18 800 SH   SOLE   800 0 0
Wal-Mart Stores COMMON 931142103   687 4,294 SH   SOLE   4,294 0 0
Walt Disney Hldg COMMON 254687106   2,895 35,721 SH   SOLE   35,082 0 639
Watts Water Technologies COMMON 942749102   99 573 SH   SOLE   573 0 0
WEC Energy Group COMMON 92939U106   318 3,947 SH   SOLE   3,947 0 0
Wells Fargo & Co COMMON 949746101   12 295 SH   SOLE   295 0 0
Welltower Inc REIT REIT 95040Q104   123 1,500 SH   SOLE   1,500 0 0
Weyerhaeuser Company COMMON 962166104   661 21,559 SH   SOLE   21,559 0 0
Whirlpool COMMON 963320106   351 2,622 SH   SOLE   2,622 0 0
WisdomTree Emerg Mk SmCap ETF ETF 97717W281   96 2,074 SH   SOLE   2,014 0 60
WisdomTree India Earnings ETF ETF 97717W422   98 2,665 SH   SOLE   2,665 0 0
Wisdomtree Japan SmCap Div ETF ETF 97717W836   43 620 SH   SOLE   620 0 0
Wolverine World Wide Inc. COMMON 978097103   30 3,753 SH   SOLE   3,753 0 0
WPP COMMON 92937A102   2,907 65,213 SH   SOLE   63,905 0 1,308
Wyndham Hotels & Resorts Inc COMMON 98311A105   31 452 SH   SOLE   452 0 0
Xcel Energy Inc. COMMON 98389B100   96 1,676 SH   SOLE   1,676 0 0
Xylem Inc COMMON 98419M100   642 7,050 SH   SOLE   7,050 0 0
Yum China Hldgs Inc Com COMMON 98850P109   1,790 32,128 SH   SOLE   31,724 0 404
Yum! Brands, Inc. COMMON 988498101   62 499 SH   SOLE   499 0 0
Zimmer Biomet Holdings Inc. COMMON 98956P102   10 90 SH   SOLE   90 0 0
Zoetis Inc COMMON 98978V103   31 179 SH   SOLE   179 0 0