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   140 1,285 SH   SOLE   1,285 0 0
A E S Corp COMMON 00130H105   32 1,650 SH   SOLE   1,650 0 0
A F L A C Inc. COMMON 001055102   88 1,071 SH   SOLE   1,071 0 0
Abbott Laboratories COMMON 002824100   1,253 11,381 SH   SOLE   11,381 0 0
AbbVie Inc. COMMON 00287Y109   1,201 7,749 SH   SOLE   7,749 0 0
Aberdeen Asia Pac Income Fd COMMON 003009107   109 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 COMMON G1151C101   161 459 SH   SOLE   384 0 75
ACNB Corporation COMMON 000868109   28 625 SH   SOLE   625 0 0
Adobe Systems Inc. COMMON 00724F101   78 130 SH   SOLE   130 0 0
Advanced Micro Devices COMMON 007903107   103 702 SH   SOLE   702 0 0
Aecom COMMON 00766T100   14 149 SH   SOLE   149 0 0
Air Products & Chemicals Inc. COMMON 009158106   974 3,557 SH   SOLE   3,557 0 0
Alerus Finl Corp COMMON 01446U103   7 300 SH   SOLE   300 0 0
Alexander & Baldwin Inc COMMON 014491104   17 900 SH   SOLE   900 0 0
Algonquin Power & Utilities Corp COMMON 015857105   13 2,000 SH   SOLE   2,000 0 0
Allegion Public Ltd Co COMMON G0176J109   25 200 SH   SOLE   200 0 0
Alliant Energy Corp COMMON 018802108   552 10,753 SH   SOLE   9,566 0 1,187
Allstate COMMON 020002101   288 2,060 SH   SOLE   2,060 0 0
Alphabet, Inc Cl C COMMON 02079K107   4,013 28,476 SH   SOLE   27,636 0 840
Alphabet, Inc. Cl A COMMON 02079K305   4,606 32,975 SH   SOLE   30,751 0 2,224
ALPS Alerian MLP ETF ETF 00162Q452   1 19 SH   SOLE   19 0 0
Altria Group Inc. COMMON 02209S103   7 170 SH   SOLE   170 0 0
Amazon.Com COMMON 023135106   4,410 29,022 SH   SOLE   27,519 0 1,503
America Movil L ADR ADR 02390A101   67 3,600 SH   SOLE   3,600 0 0
American Express Company COMMON 025816109   529 2,824 SH   SOLE   2,824 0 0
American Int'l Group COMMON 026874784   20 300 SH   SOLE   300 0 0
Ameriprise Financial Inc. COMMON 03076C106   164 433 SH   SOLE   433 0 0
Amgen Incorporated COMMON 031162100   414 1,439 SH   SOLE   1,439 0 0
Amkor Technology Inc COMMON 031652100   1,272 38,243 SH   SOLE   38,243 0 0
Annaly Capital Mgmt COMMON 035710839   15 750 SH   SOLE   750 0 0
Anthem Inc COMMON 036752103   92 195 SH   SOLE   195 0 0
Apollo Global Management, Inc. COMMON 03769M106   0 4 SH   SOLE   4 0 0
Apple Inc. COMMON 037833100   6,024 31,290 SH   SOLE   29,710 0 1,580
Applied Materials COMMON 038222105   129 798 SH   SOLE   798 0 0
AptarGroup, Inc COMMON 038336103   1,578 12,764 SH   SOLE   12,067 0 697
Aptiv PLC COMMON G6095L109   18 200 SH   SOLE   200 0 0
Archer-Daniels-Midland Inc. COMMON 039483102   181 2,508 SH   SOLE   520 0 1,988
Ares Capital Corp COMMON 04010L103   0 23 SH   SOLE   23 0 0
Ares Management Corp COMMON 03990B101   1 8 SH   SOLE   8 0 0
ARK Next Generation Internet ETF ETF 00214Q401   7 98 SH   SOLE   98 0 0
Arrowhead Pharma Inc COMMON 04280A100   10 320 SH   SOLE   320 0 0
Astec Industries COMMON 046224101   162 4,363 SH   SOLE   2,963 0 1,400
AstraZeneca plc ADR ADR 046353108   1,024 15,210 SH   SOLE   15,080 0 130
AT&T Inc. COMMON 00206R102   298 17,779 SH   SOLE   17,253 0 526
Atlantica yield plc COMMON G0751N103   13 600 SH   SOLE   600 0 0
Atmos Energy Corp COMMON 049560105   17 150 SH   SOLE   150 0 0
Auto Data Processing COMMON 053015103   437 1,876 SH   SOLE   1,876 0 0
Avalon Bay Communities COMMON 053484101   1 3 SH   SOLE   3 0 0
Avery Dennison COMMON 053611109   42 208 SH   SOLE   208 0 0
Baidu Inc ADR ADR 056752108   67 560 SH   SOLE   560 0 0
Bank of America Corp COMMON 060505104   84 2,484 SH   SOLE   2,484 0 0
Bank of New York Mellon COMMON 064058100   83 1,602 SH   SOLE   1,602 0 0
Baxter International COMMON 071813109   196 5,080 SH   SOLE   5,080 0 0
BCE Inc. COMMON 05534B760   116 2,943 SH   SOLE   2,240 0 703
Becton Dickinson & Co COMMON 075887109   716 2,937 SH   SOLE   2,937 0 0
Biogen Idec Inc COMMON 09062X103   136 525 SH   SOLE   525 0 0
Blackrock Inc COMMON 09247X101   136 168 SH   SOLE   168 0 0
Blackstone Group Lp COMMON 09260D107   1 5 SH   SOLE   5 0 0
Blkrck Muniyield Qlty Fd COMMON 09254F100   16 1,300 SH   SOLE   1,300 0 0
Boeing Co. COMMON 097023105   4,894 18,774 SH   SOLE   17,613 0 1,161
Booz Allen Hamilton Holding Corp COMMON 099502106   1 8 SH   SOLE   8 0 0
Borg Warner Inc COMMON 099724106   400 11,144 SH   SOLE   10,964 0 180
BP plc ADR ADR 055622104   19 528 SH   SOLE   528 0 0
Bristol Myers COMMON 110122108   1,712 33,371 SH   SOLE   30,064 0 3,307
Broadcom Ltd COMMON 11135F101   134 120 SH   SOLE   120 0 0
Broadridge Finl Solution COMMON 11133T103   144 700 SH   SOLE   700 0 0
Brookfield Asset Management COMMON 113004105   70 1,748 SH   SOLE   1,748 0 0
Brookfield Corp COMMON 11271J107   279 6,951 SH   SOLE   6,951 0 0
Brookfield Renewable Corp Ordinary Shares - Class COMMON 11284V105   406 14,094 SH   SOLE   14,094 0 0
Cambria Cannabis ETF ETF 132061821   1 100 SH   SOLE   100 0 0
Canadian Natl Ry Co COMMON 136375102   19 150 SH   SOLE   150 0 0
Canadian Pacific COMMON 13646K108   39 498 SH   SOLE   498 0 0
Capital One Financial COMMON 14040H105   104 793 SH   SOLE   793 0 0
Carrier Global Corp-Wi COMMON 14448C104   139 2,422 SH   SOLE   1,752 0 670
Caterpillar COMMON 149123101   2,609 8,823 SH   SOLE   8,415 0 408
CBRE Group Inc COMMON 12504L109   345 3,708 SH   SOLE   3,708 0 0
Cencora, Inc COMMON 03073E105   30 146 SH   SOLE   107 0 39
Charter Communications Inc COMMON 16119P108   96 248 SH   SOLE   248 0 0
Chemed Corp. COMMON 16359R103   1,907 3,262 SH   SOLE   3,262 0 0
Chemours Co LLC COMMON 163851108   6 185 SH   SOLE   185 0 0
Cheniere Energy Inc New COMMON 16411R208   20 120 SH   SOLE   120 0 0
Chevron Corp. COMMON 166764100   631 4,230 SH   SOLE   4,171 0 59
China Automotive Systems Inc COMMON 16936R105   54 16,664 SH   SOLE   16,664 0 0
Chubb Limited COMMON H1467J104   2,368 10,477 SH   SOLE   10,024 0 453
Cigna Corp COMMON 125523100   251 838 SH   SOLE   838 0 0
Cincinnati Financial Corp COMMON 172062101   40 390 SH   SOLE   390 0 0
Cintas Corp. COMMON 172908105   10 17 SH   SOLE   17 0 0
Cisco Systems, Inc. COMMON 17275R102   3,147 62,289 SH   SOLE   59,659 0 2,630
Citigroup COMMON 172967424   163 3,172 SH   SOLE   3,172 0 0
Clorox Company COMMON 189054109   14 100 SH   SOLE   100 0 0
CME Group Inc. COMMON 12572Q105   446 2,117 SH   SOLE   2,117 0 0
Coca-Cola Co COMMON 191216100   3,746 63,566 SH   SOLE   59,311 0 4,255
Colgate-Palmolive COMMON 194162103   512 6,429 SH   SOLE   6,429 0 0
Comcast Corp. COMMON 20030N101   272 6,209 SH   SOLE   6,209 0 0
Comerica Incorporated COMMON 200340107   112 2,000 SH   SOLE   2,000 0 0
Communication Services Sel Sect SPDRETF ETF 81369Y852   4 50 SH   SOLE   50 0 0
Community Bank System COMMON 203607106   369 7,072 SH   SOLE   6,082 0 990
Conoco Phillips COMMON 20825C104   845 7,284 SH   SOLE   5,734 0 1,550
Consolidated Edison Inc. COMMON 209115104   90 985 SH   SOLE   985 0 0
Constellation Brand Cl Aclass A COMMON 21036P108   29 119 SH   SOLE   119 0 0
Constellation Energy Co. COMMON 21037T109   19 163 SH   SOLE   163 0 0
COPT Defense Properties COMMON 22002T108   9 343 SH   SOLE   343 0 0
Corning COMMON 219350105   4,324 142,010 SH   SOLE   135,820 0 6,190
Corteva Inc com COMMON 22052L104   40 843 SH   SOLE   843 0 0
Costco COMMON 22160K105   7,000 10,605 SH   SOLE   9,651 0 954
Crown Castle International Corp COMMON 22822V101   3 30 SH   SOLE   30 0 0
CSX Corp COMMON 126408103   320 9,240 SH   SOLE   9,240 0 0
Cullen Frost Bankers COMMON 229899109   0 3 SH   SOLE   3 0 0
CVS Corp COMMON 126650100   415 5,262 SH   SOLE   3,949 0 1,313
Danaher Corp COMMON 235851102   35 150 SH   SOLE   150 0 0
Deere & Company COMMON 244199105   998 2,495 SH   SOLE   2,495 0 0
Delta Airlines COMMON 247361702   20 500 SH   SOLE   500 0 0
Devon Energy Corp COMMON 25179M103   48 1,051 SH   SOLE   1,051 0 0
Digital Realty Trust REIT REIT 253868103   175 1,301 SH   SOLE   1,301 0 0
Dominion Energy COMMON 25746U109   206 4,388 SH   SOLE   4,388 0 0
Dover Corporation COMMON 260003108   56 362 SH   SOLE   362 0 0
Dow In COMMON 260557103   152 2,778 SH   SOLE   2,547 0 231
Dr Reddys Labs ADR ADR 256135203   372 5,344 SH   SOLE   4,359 0 985
Duke Energy Corp. COMMON 26441C204   1,747 17,998 SH   SOLE   17,531 0 467
E Bay Inc. COMMON 278642103   21 475 SH   SOLE   275 0 200
E I DuPont COMMON 26614N102   1,986 25,821 SH   SOLE   24,311 0 1,510
E O G Resources Inc COMMON 26875P101   16 132 SH   SOLE   132 0 0
East West Bancorp COMMON 27579R104   554 7,697 SH   SOLE   7,697 0 0
Eastman Chemical Co. COMMON 277432100   18 200 SH   SOLE   200 0 0
Eaton Corp. COMMON G29183103   530 2,203 SH   SOLE   2,203 0 0
Ecofin Global Water ESG COMMON 56167N753   34 772 SH   SOLE   772 0 0
Ecolab Inc. COMMON 278865100   44 222 SH   SOLE   222 0 0
Edison International COMMON 281020107   176 2,461 SH   SOLE   2,461 0 0
Element Fleet Management Corp COMMON 286181201   63 3,900 SH   SOLE   1,150 0 2,750
Eli Lilly & Co. COMMON 532457108   1,980 3,397 SH   SOLE   3,397 0 0
Emerson Electric Co. COMMON 291011104   1,673 17,188 SH   SOLE   16,356 0 832
EMQQ Emerging Markets Intrnt & Ecmrc ETF ETF 301505889   75 2,449 SH   SOLE   2,394 0 55
Energy Transfer Equity LP COMMON 29273V100   27 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   92 373 SH   SOLE   373 0 0
Equity Residential Prop. REIT REIT 29476L107   191 3,127 SH   SOLE   1,530 0 1,597
Essential utilities ord COMMON 29670G102   117 3,142 SH   SOLE   3,142 0 0
Eversource Energy COMMON 30040W108   20 328 SH   SOLE   328 0 0
Expeditors Int'l of Washington COMMON 302130109   81 640 SH   SOLE   640 0 0
Exxon Mobil Corporation COMMON 30231G102   2,168 21,686 SH   SOLE   19,504 0 2,182
Facebook Inc Class A COMMON 30303M102   146 413 SH   SOLE   413 0 0
Fedex Corporation COMMON 31428X106   1,209 4,780 SH   SOLE   4,780 0 0
Fidelity National Financial, Inc. COMMON 31620R303   0 7 SH   SOLE   7 0 0
Fidelity MSCI Health Care ETF ETF 316092600   46 711 SH   SOLE   0 0 711
Fidelity MSCI Utilities ETF ETF 316092865   25 613 SH   SOLE   0 0 613
Fidus Investment Corp COMMON 316500107   20 1,035 SH   SOLE   1,035 0 0
First Solar Inc COMMON 336433107   2,052 11,910 SH   SOLE   10,338 0 1,572
First Trust Cloud Computing ETF ETF 33734X192   93 1,059 SH   SOLE   1,059 0 0
First Trust NASDAQ Cybersecurity ETF ETF 33734X846   92 1,710 SH   SOLE   1,710 0 0
Fortinet Inc COMMON 34959E109   165 2,825 SH   SOLE   2,825 0 0
GE Healthcare COMMON 36266G107   78 1,015 SH   SOLE   883 0 132
Generac Holdings Inc COMMON 368736104   281 2,172 SH   SOLE   2,172 0 0
General Electric Co. COMMON 369604301   519 4,068 SH   SOLE   3,672 0 396
General Mills, Inc. COMMON 370334104   119 1,832 SH   SOLE   1,832 0 0
Genuine Parts Co COMMON 372460105   35 250 SH   SOLE   250 0 0
Gilat Satellite Networks Ltd COMMON M51474118   35 5,652 SH   SOLE   5,652 0 0
Gilead Sciences Inc COMMON 375558103   169 2,091 SH   SOLE   2,091 0 0
Global X S&P 500 Catholic Values ETF ETF 37954Y889   256 4,415 SH   SOLE   4,415 0 0
GlobalFoundries, Inc COMMON G39387108   4 65 SH   SOLE   65 0 0
Goldman Sachs Group Inc COMMON 38141G104   250 647 SH   SOLE   647 0 0
Guggenheim S&P Global Water Index ETF 46138E263   28 534 SH   SOLE   0 0 534
Halliburton Company COMMON 406216101   49 1,359 SH   SOLE   1,359 0 0
Hanesbrands Inc. COMMON 410345102   25 5,609 SH   SOLE   3,609 0 2,000
Hershey Foods Corp COMMON 427866108   171 915 SH   SOLE   915 0 0
Hess Corporation COMMON 42809H107   56 390 SH   SOLE   390 0 0
Home Depot COMMON 437076102   720 2,077 SH   SOLE   2,077 0 0
Honeywell International COMMON 438516106   3,152 15,031 SH   SOLE   14,420 0 611
Hormel Foods Corp COMMON 440452100   21 640 SH   SOLE   640 0 0
HSBC Holdings PLC ADR ADR 404280406   33 809 SH   SOLE   809 0 0
Humana COMMON 444859102   526 1,148 SH   SOLE   1,148 0 0
IBM Corp. COMMON 459200101   3,903 23,861 SH   SOLE   21,470 0 2,391
Illinois Tool Works COMMON 452308109   240 916 SH   SOLE   916 0 0
Imperial Oil Ltd COMMON 453038408   186 3,259 SH   SOLE   3,259 0 0
India Fund COMMON 454089103   13 695 SH   SOLE   695 0 0
Ingersoll Rand Inc COMMON 45687V106   35 454 SH   SOLE   454 0 0
Ingredion Incorporated COMMON 457187102   2,626 24,194 SH   SOLE   23,493 0 701
Integer Holdings Corp COMMON 45826H109   760 7,674 SH   SOLE   7,399 0 275
Intel Corp. COMMON 458140100   811 16,146 SH   SOLE   15,211 0 935
International Flavors & Fragrances Inc COMMON 459506101   2,556 31,564 SH   SOLE   29,986 0 1,578
Intuit COMMON 461202103   18 28 SH   SOLE   28 0 0
Invesco Cleantech ETF ETF 46137V407   7 140 SH   SOLE   140 0 0
Invesco Global Water ETF ETF 46138E651   70 1,764 SH   SOLE   1,764 0 0
Iqvia Hldgs Inc COMMON 46266C105   8 36 SH   SOLE   36 0 0
Iron Mountain Inc REIT REIT 46284V101   33 475 SH   SOLE   0 0 475
Ishares 20 Yr Treas. Barclays ETF ETF 464287432   38 380 SH   SOLE   380 0 0
iShares 5-10 Yr Corporate Bond ETF ETF 464288638   124 2,375 SH   SOLE   1,080 0 1,295
iShares Barclays 3-7 Treasury ETF ETF 464288661   12 99 SH   SOLE   99 0 0
iShares Core Dividend Growth ETF ETF 46434V621   439 8,148 SH   SOLE   8,148 0 0
iShares Core International Bond ETF ETF 46435G672   77 1,537 SH   SOLE   1,537 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   26 364 SH   SOLE   0 0 364
iShares Core MSCI ETF ETF 46434G103   384 7,597 SH   SOLE   4,700 0 2,897
iShares Core Total USD Bond Market ETF ETF 46434V613   13 287 SH   SOLE   287 0 0
iShares DJ US Financial ETF ETF 464287788   95 1,108 SH   SOLE   1,108 0 0
iShares Dow J. Healthcare ETF ETF 464287762   136 474 SH   SOLE   474 0 0
iShares ESG Aware MSCI EAFE ETF ETF 46435G516   302 3,995 SH   SOLE   3,995 0 0
iShares Expanded Tech-Software Sect ETF ETF 464287515   206 508 SH   SOLE   508 0 0
iShares Global Clean Energy ETF 464288224   262 16,824 SH   SOLE   16,824 0 0
iShares Global Energy ETF ETF 464287341   1 16 SH   SOLE   16 0 0
Ishares Gold ETF ETF 464285204   729 18,676 SH   SOLE   16,308 0 2,368
iShares iBoxx Inv. Grade ETF ETF 464287242   2 21 SH   SOLE   21 0 0
iShares JPM Em Mkt Bond ETF ETF 464288281   1 9 SH   SOLE   9 0 0
iShares Lehman Agg Bond Fd ETF ETF 464287226   347 3,492 SH   SOLE   3,492 0 0
iShares MBS ETF ETF 464288588   5 49 SH   SOLE   49 0 0
iShares MSCI EAFE ETF ETF 464287465   253 3,360 SH   SOLE   3,360 0 0
iShares MSCI EAFE Growth ETF ETF 464288885   3 29 SH   SOLE   29 0 0
iShares MSCI EAFE Value ETF 464288877   5 87 SH   SOLE   87 0 0
iShares MSCI Emerging Market ETF ETF 464287234   18 453 SH   SOLE   0 0 453
iShares MSCI Emerging Markets ex China ETF ETF 46434G764   1 14 SH   SOLE   14 0 0
iShares MSCI Global Gold Miners ETF ETF 46434G855   54 2,183 SH   SOLE   0 0 2,183
iShares MSCI Taiwan Index ETF ETF 46434G772   66 1,425 SH   SOLE   0 0 1,425
iShares MSCI USA Quality Factor ETF ETF 46432F339   5 37 SH   SOLE   37 0 0
iShares NASDAQ Biotech ETF ETF 464287556   553 4,069 SH   SOLE   3,668 0 401
iShares Russell 1000 Growth ETF ETF 464287614   69 227 SH   SOLE   227 0 0
iShares Russell 1000 Val ETF ETF 464287598   4,476 27,086 SH   SOLE   27,086 0 0
iShares Russell 2000 Growth ETF ETF 464287648   14 54 SH   SOLE   54 0 0
Ishares Russell 2000 Value ETF ETF 464287630   23 151 SH   SOLE   151 0 0
iShares Russell Midcap Grth ETF ETF 464287481   66 628 SH   SOLE   628 0 0
iShares S&P 500 Growth ETF ETF 464287309   2 21 SH   SOLE   21 0 0
iShares S&P 500 Index ETF ETF 464287200   542 1,135 SH   SOLE   1,135 0 0
iShares S&P Midcap 400 Index ETF ETF 464287507   148 535 SH   SOLE   364 0 171
iShares S&P Mid-Cap Grow ETF ETF 464287606   31 396 SH   SOLE   396 0 0
iShares S&P Sm Cap Idx 600 ETF ETF 464287804   301 2,780 SH   SOLE   1,852 0 928
iShares S&P U S Pfd Stk ETF ETF 464288687   1 47 SH   SOLE   47 0 0
iShares Select Dividend Idx ETF ETF 464287168   109 932 SH   SOLE   932 0 0
iShares TIPS Bond ETF ETF 464287176   491 4,564 SH   SOLE   4,223 0 341
iShares Tr DJ U S Tech Sector ETF ETF 464287721   112 915 SH   SOLE   915 0 0
iShares TR S&P 100 ETF ETF 464287101   2 7 SH   SOLE   7 0 0
iShares Treasury Floating Rate Bond ETF ETF 46434V860   4 71 SH   SOLE   71 0 0
iShares U.S. Infrastructure ETF ETF 46435U713   1 19 SH   SOLE   19 0 0
Jacobs Engineering Group Inc COMMON 46982L108   39 303 SH   SOLE   303 0 0
Janus Henderson AAA CLO ETF ETF 47103U845   4 88 SH   SOLE   88 0 0
Jefferies Finl Group Inc COMMON 47233W109   27 675 SH   SOLE   675 0 0
Johnson & Johnson COMMON 478160104   2,072 13,220 SH   SOLE   12,466 0 754
Johnson Controls Inc. COMMON G51502105   26 450 SH   SOLE   450 0 0
JP Morgan Chase & Co COMMON 46625H100   3,098 18,212 SH   SOLE   16,889 0 1,323
JPMorgan Nasdaq Equity Premium Income ETF COMMON 46654Q203   4 88 SH   SOLE   88 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837   44 881 SH   SOLE   881 0 0
Kennedy-Wilson Holdings Inc COMMON 489398107   31 2,500 SH   SOLE   2,500 0 0
Kenvue Inc. COMMON 49177J102   145 6,748 SH   SOLE   6,748 0 0
Kilroy Realty Corp REIT REIT 49427F108   2,246 56,377 SH   SOLE   53,949 0 2,428
Kimberly-Clark Corp. COMMON 494368103   271 2,229 SH   SOLE   2,229 0 0
KLA-Tencor Corporation COMMON 482480100   91 157 SH   SOLE   157 0 0
Kon Philips Electric NV COMMON 500472303   52 2,250 SH   SOLE   2,250 0 0
Kraft Heinz Company COMMON 500754106   445 12,027 SH   SOLE   11,944 0 83
Laboratory Corp of America Hlds COMMON 50540R409   152 670 SH   SOLE   439 0 231
Lam Research COMMON 512807108   7 9 SH   SOLE   9 0 0
Lennar Corp. Cl A COMMON 526057104   14 96 SH   SOLE   96 0 0
Linde plc COMMON G54950103   35 85 SH   SOLE   85 0 0
Lockheed Martin COMMON 539830109   66 146 SH   SOLE   146 0 0
Loews Corp COMMON 540424108   162 2,321 SH   SOLE   2,321 0 0
Lowes Companies Inc. COMMON 548661107   245 1,102 SH   SOLE   1,102 0 0
Lululemon Athletica Inc COMMON 550021109   13 25 SH   SOLE   25 0 0
M K S Instruments Inc. COMMON 55306N104   647 6,289 SH   SOLE   6,289 0 0
M&T Bank Corp COMMON 55261F104   1,005 7,335 SH   SOLE   7,166 0 169
M.D.C. Holdings, Inc. COMMON 552676108   0 6 SH   SOLE   6 0 0
Marathon Petroleum Corp COMMON 56585A102   380 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   246 576 SH   SOLE   576 0 0
McCormick & Co Inc. non-voting COMMON 579780206   0 5 SH   SOLE   5 0 0
McDonald's Corp COMMON 580135101   860 2,900 SH   SOLE   2,900 0 0
McKesson Corp. COMMON 58155Q103   2,003 4,326 SH   SOLE   4,128 0 198
Medtronic Inc. COMMON G5960L103   3,550 43,098 SH   SOLE   41,103 0 1,995
Merck COMMON 58933Y105   5,825 53,431 SH   SOLE   51,739 0 1,692
Microsoft COMMON 594918104   15,278 40,629 SH   SOLE   38,803 0 1,826
Middlesex Water Co COMMON 596680108   20 300 SH   SOLE   300 0 0
Mondelez Int'l Inc. COMMON 609207105   777 10,730 SH   SOLE   10,563 0 167
Morgan Stanley Dean Witter COMMON 617446448   111 1,186 SH   SOLE   1,186 0 0
Motorola Solutions Inc COMMON 620076307   148 473 SH   SOLE   473 0 0
MSCI Inc COMMON 55354G100   11 20 SH   SOLE   20 0 0
National Fuel Gas COMMON 636180101   5 100 SH   SOLE   100 0 0
National Grid Plc ADR ADR 636274409   84 1,231 SH   SOLE   1,231 0 0
NCR Atleos Corp COMMON 63001N106   152 6,240 SH   SOLE   4,537 0 1,703
NCR Voyix Corporation COMMON 62886E108   240 14,201 SH   SOLE   10,795 0 3,406
Netflix Inc. COMMON 64110L106   49 100 SH   SOLE   100 0 0
Nextera Energy COMMON 65339F101   284 4,683 SH   SOLE   4,683 0 0
Nike, Inc. COMMON 654106103   103 953 SH   SOLE   953 0 0
Nisource Inc. COMMON 65473P105   1,881 70,839 SH   SOLE   65,860 0 4,979
Norfolk Southern COMMON 655844108   370 1,567 SH   SOLE   1,567 0 0
Northrop Grumman Corp COMMON 666807102   50 107 SH   SOLE   107 0 0
NortonLifeLock Inc COMMON 668771108   318 13,944 SH   SOLE   13,944 0 0
Novartis Ag ADR ADR 66987V109   75 740 SH   SOLE   740 0 0
Novo-Nordisk ADR ADR 670100205   1 6 SH   SOLE   6 0 0
Nucor Corp COMMON 670346105   17 98 SH   SOLE   98 0 0
Nutrien Ltd COMMON 67077M108   42 749 SH   SOLE   749 0 0
Nuveen AMT-Free Municipal Income Fund ETF 670657105   6 500 SH   SOLE   500 0 0
Nvidia Corp COMMON 67066G104   313 633 SH   SOLE   633 0 0
Occidental Petroleum Corp. COMMON 674599105   10 175 SH   SOLE   175 0 0
Omnicom Group Inc COMMON 681919106   15 170 SH   SOLE   170 0 0
Oneok Inc New COMMON 682680103   504 7,178 SH   SOLE   7,178 0 0
Oracle COMMON 68389X105   83 784 SH   SOLE   784 0 0
Organon & Co COMMON 68622V106   2 124 SH   SOLE   124 0 0
OTIS Worldwide Corp-Wi COMMON 68902V107   85 947 SH   SOLE   812 0 135
P P G Industries Inc. COMMON 693506107   237 1,583 SH   SOLE   1,583 0 0
Palo Alto Networks COMMON 697435105   230 780 SH   SOLE   780 0 0
Paramount Global COMMON 92556H206   12 825 SH   SOLE   825 0 0
Parker Hannifin Corp COMMON 701094104   263 570 SH   SOLE   515 0 55
Paychex Inc. COMMON 704326107   36 304 SH   SOLE   304 0 0
Paypal Holdings COMMON 70450Y103   42 680 SH   SOLE   480 0 200
Pepsico, Inc. COMMON 713448108   880 5,181 SH   SOLE   5,181 0 0
Pfizer Inc. COMMON 717081103   3,351 116,383 SH   SOLE   108,695 0 7,688
Philip Morris Intl Inc COMMON 718172109   14 150 SH   SOLE   150 0 0
Phillips 66 SHS COMMON 718546104   510 3,830 SH   SOLE   3,191 0 639
PIMCO Intermediate Muni Bond ETF ETF 72201R866   2,386 45,182 SH   SOLE   33,837 0 11,345
PNC Financial Services Group Inc. COMMON 693475105   213 1,377 SH   SOLE   1,377 0 0
Popular Inc COMMON 733174700   10 125 SH   SOLE   125 0 0
PotlatchDeltic Corp COMMON 737630103   18 375 SH   SOLE   375 0 0
Powershares FTSE RAFI ETF ETF 46137V613   117 3,332 SH   SOLE   3,332 0 0
PowerShares QQQ Trust Sr 1 ETF ETF 46090E103   7 18 SH   SOLE   18 0 0
Procter & Gamble COMMON 742718109   2,021 13,791 SH   SOLE   13,631 0 160
Progressive Corp COMMON 743315103   103 647 SH   SOLE   647 0 0
Prologis Reit REIT 74340W103   7 51 SH   SOLE   51 0 0
Public Storage, Inc. COMMON 74460D109   104 341 SH   SOLE   341 0 0
Public Sv Enterprise COMMON 744573106   155 2,528 SH   SOLE   2,528 0 0
Qorvo Inc COMMON 74736K101   1,394 12,380 SH   SOLE   12,030 0 350
Qualcomm Inc. COMMON 747525103   23 162 SH   SOLE   162 0 0
Quanta Services Inc COMMON 74762E102   107 496 SH   SOLE   496 0 0
Ranpack Holdings COMMON 75321W103   84 14,369 SH   SOLE   14,369 0 0
Raytheon Technologies Ord COMMON 75513E101   325 3,861 SH   SOLE   3,191 0 670
Regeneron Pharmaceuticals Inc COMMON 75886F107   26 30 SH   SOLE   30 0 0
Reliance Steel & Aluminum Co COMMON 759509102   7 26 SH   SOLE   26 0 0
Relx Plc American Depositary Shares COMMON 759530108   10 250 SH   SOLE   250 0 0
Republic Services Inc COMMON 760759100   105 635 SH   SOLE   635 0 0
Rockwell Automation COMMON 773903109   217 699 SH   SOLE   699 0 0
Roper Industries Inc COMMON 776696106   3,201 5,872 SH   SOLE   5,530 0 342
Rydex S&P 500 Eq Wgt ETF ETF 46137V357   23 145 SH   SOLE   145 0 0
Sabre Corporation COMMON 78573M104   17 3,844 SH   SOLE   3,844 0 0
Salesforce Com COMMON 79466L302   130 495 SH   SOLE   495 0 0
Samsara Inc. COMMON 79589L106   9 280 SH   SOLE   280 0 0
Schlumberger Limited COMMON 806857108   2,984 57,348 SH   SOLE   53,993 0 3,355
Schwab Emerging Mkt ETF ETF 808524706   0 1 SH   SOLE   0 0 1
Schwab Intermediate US Treasury ETF ETF 808524854   89 1,785 SH   SOLE   1,785 0 0
Schwab Int'l Equity ETF ETF 808524805   12,288 332,467 SH   SOLE   331,505 0 962
Schwab Large Cap Value Indx ETF ETF 808524409   97 1,390 SH   SOLE   1,390 0 0
Schwab U.S. Broad Market ETF ETF 808524102   105,705 1,898,783 SH   SOLE   1,775,858 0 122,925
Schwab U.S. Tips ETF ETF 808524870   60 1,157 SH   SOLE   0 0 1,157
Schwab US Div Equity ETF ETF 808524797   92 1,204 SH   SOLE   0 0 1,204
Schwab US Large-Cap ETF ETF 808524201   5 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   6 119 SH   SOLE   119 0 0
Seagate Technology PLC COMMON G7997R103   4,263 49,932 SH   SOLE   47,074 0 2,858
Sector Spdr Fincl Select COMMON 81369Y605   79 2,088 SH   SOLE   2,088 0 0
Sector SPDR Health Fd Shares COMMON 81369Y209   2 15 SH   SOLE   15 0 0
Sector SPDR Tech Select Shares COMMON 81369Y803   420 2,182 SH   SOLE   2,182 0 0
Sempra Energy COMMON 816851109   21 282 SH   SOLE   282 0 0
Sensata Technologies Holding PLC COMMON G8060N102   421 11,197 SH   SOLE   11,197 0 0
ServiceNow Inc COMMON 81762P102   361 511 SH   SOLE   511 0 0
Shell plc COMMON 780259305   420 6,386 SH   SOLE   6,125 0 261
Siemens A G COMMON 826197501   23 250 SH   SOLE   250 0 0
SK Telecom Ltd ADR ADR 78440P306   8 364 SH   SOLE   0 0 364
Skyworks Solutions Inc. COMMON 83088M102   45 397 SH   SOLE   397 0 0
Snap Inc COMMON 83304A106   3 200 SH   SOLE   200 0 0
Sonoco Products COMMON 835495102   189 3,385 SH   SOLE   2,285 0 1,100
Sony Group Corp COMMON 835699307   1,516 16,007 SH   SOLE   16,007 0 0
Southern Company COMMON 842587107   329 4,691 SH   SOLE   3,834 0 857
SPDR Blackstone Senior Loan ETF ETF 78467V608   3 67 SH   SOLE   67 0 0
SPDR Consumer Disc Select ETF ETF 81369Y407   54 302 SH   SOLE   302 0 0
SPDR Energy Select Sector ETF ETF 81369Y506   2 21 SH   SOLE   21 0 0
SPDR Gold Trust ETF ETF 78463V107   1,892 9,899 SH   SOLE   9,899 0 0
SPDR Materials Select Sec. ETF ETF 81369Y100   27 312 SH   SOLE   312 0 0
SPDR MSCI EAFE Fsl Fuel Fr ETF ETF 78470E106   24 607 SH   SOLE   607 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   256 5,457 SH   SOLE   0 0 5,457
SPDR S&P 500 ETF ETF 78462F103   1,448 3,046 SH   SOLE   2,132 0 914
SPDR S&P 500 Fossil Fl Fr ETF ETF 78468R796   893 23,015 SH   SOLE   23,015 0 0
SPDR S&P 600 Small Cap ETF ETF 78464A300   70 837 SH   SOLE   837 0 0
SPDR S&P Biotech ETF ETF 78464A870   1,215 13,606 SH   SOLE   12,732 0 874
SPDR S&P Dividend ETF ETF 78464A763   159 1,270 SH   SOLE   1,270 0 0
SPDR S&P Mid Cap 400 ETF ETF 78467Y107   241 475 SH   SOLE   275 0 200
SPDR Utility Select Sec ETF ETF 81369Y886   9 150 SH   SOLE   150 0 0
Splunk Inc COMMON 848637104   2,850 18,706 SH   SOLE   17,682 0 1,024
Standex Int'l Corp. COMMON 854231107   67 426 SH   SOLE   426 0 0
Starbucks COMMON 855244109   1,522 15,854 SH   SOLE   15,512 0 342
Steris Corp. COMMON G8473T100   254 1,157 SH   SOLE   1,157 0 0
Stryker Corp. COMMON 863667101   112 375 SH   SOLE   230 0 145
Suncor Energy Inc. COMMON 867224107   10 324 SH   SOLE   324 0 0
Synchrony Financial COMMON 87165B103   196 5,122 SH   SOLE   4,962 0 160
Sysco Corp. COMMON 871829107   121 1,658 SH   SOLE   1,658 0 0
Taiwan Semiconductor ADR ADR 874039100   8,921 85,780 SH   SOLE   81,063 0 4,717
Target Corp. COMMON 87612E106   58 410 SH   SOLE   410 0 0
Teradata Corp COMMON 88076W103   21 487 SH   SOLE   487 0 0
Tesla Motors COMMON 88160R101   3 12 SH   SOLE   12 0 0
Texas Instruments Inc. COMMON 882508104   350 2,052 SH   SOLE   2,052 0 0
The Charles Schwab Corp. COMMON 808513105   8,459 122,958 SH   SOLE   114,892 0 8,066
The Travelers Companies Inc. COMMON 89417E109   886 4,653 SH   SOLE   4,653 0 0
Thermo Fisher Scientific COMMON 883556102   486 916 SH   SOLE   916 0 0
Thomson Reuters Corp COMMON 884903808   186 1,272 SH   SOLE   1,115 0 157
Thor Industries Inc COMMON 885160101   539 4,557 SH   SOLE   4,487 0 70
TJX Companies Inc COMMON 872540109   50 529 SH   SOLE   359 0 170
Toronto-Dominion Bank COMMON 891160509   560 8,672 SH   SOLE   6,179 0 2,493
TPI Composites Inc COMMON 87266J104   1 268 SH   SOLE   268 0 0
Tractor Supply Company COMMON 892356106   14 66 SH   SOLE   66 0 0
Trane Technologies PLC COMMON G8994E103   396 1,625 SH   SOLE   1,625 0 0
Truist Finl Corp Com COMMON 89832Q109   25 683 SH   SOLE   683 0 0
Trustmark Corp. COMMON 898402102   3,897 139,788 SH   SOLE   139,788 0 0
U S Bancorp COMMON 902973304   54 1,250 SH   SOLE   1,250 0 0
UDR Inc COMMON 902653104   46 1,196 SH   SOLE   1,196 0 0
Unilever PLC ADR ADR 904767704   799 16,490 SH   SOLE   16,490 0 0
Union Pacific COMMON 907818108   297 1,210 SH   SOLE   1,210 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   219 416 SH   SOLE   416 0 0
Unum Provident Corp. COMMON 91529Y106   161 3,559 SH   SOLE   3,559 0 0
V F Corp. COMMON 918204108   403 21,458 SH   SOLE   21,458 0 0
Valero Energy COMMON 91913Y100   2,159 16,606 SH   SOLE   15,357 0 1,249
Vaneck Vectors Gold Miners ETF ETF 92189F106   1,365 44,014 SH   SOLE   43,946 0 68
Vangard Russell 2000 ETF ETF 92206C664   31 386 SH   SOLE   386 0 0
Vanguard 500 ETF ETF 922908363   1,348 3,087 SH   SOLE   285 0 2,802
Vanguard Corp Bond ETF ETF 92206C409   11 144 SH   SOLE   144 0 0
Vanguard Developed Market ETF ETF 921943858   32,568 679,910 SH   SOLE   606,190 0 73,720
Vanguard Div Appreciation ETF ETF 921908844   536 3,148 SH   SOLE   2,025 0 1,123
Vanguard Emerging Market ETF ETF 922042858   17,759 432,088 SH   SOLE   401,263 0 30,825
Vanguard ESG International Stock ETF ETF 921910725   10,701 193,574 SH   SOLE   174,778 0 18,796
Vanguard ESG US Corporate Bond ETF ETF 921910691   5,888 92,895 SH   SOLE   83,932 0 8,963
Vanguard ESG US Stock ETF ETF 921910733   15,923 187,201 SH   SOLE   167,986 0 19,215
Vanguard Financials ETF ETF 92204A405   49 526 SH   SOLE   526 0 0
Vanguard FTSE All World ex US ETF ETF 922042775   9 157 SH   SOLE   157 0 0
Vanguard FTSE Pacific ETF ETF 922042866   6 77 SH   SOLE   77 0 0
Vanguard Growth ETF ETF 922908736   1,505 4,842 SH   SOLE   865 0 3,977
Vanguard Health Care ETF ETF 92204A504   282 1,123 SH   SOLE   1,123 0 0
Vanguard High Dividend Yd ETF ETF 921946406   177 1,588 SH   SOLE   1,588 0 0
Vanguard Info Technology ETF ETF 92204A702   94 194 SH   SOLE   55 0 139
Vanguard Interm. Bond Idx ETF ETF 921937819   22 290 SH   SOLE   0 0 290
Vanguard Intermediate Corporate ETF ETF 92206C870   27,719 341,028 SH   SOLE   306,950 0 34,078
Vanguard Intermediate Treasury ETF ETF 92206C706   34,251 577,401 SH   SOLE   524,497 0 52,904
Vanguard Large-Cap ETF ETF 922908637   9 43 SH   SOLE   43 0 0
Vanguard Mid Cap ETF ETF 922908629   44 188 SH   SOLE   188 0 0
Vanguard Mid Cap Value ETF ETF 922908512   60 413 SH   SOLE   413 0 0
Vanguard Muni Bond ETF ETF 922907746   3,806 74,563 SH   SOLE   58,459 0 16,104
Vanguard REIT ETF ETF 922908553   120 1,357 SH   SOLE   1,357 0 0
Vanguard S&P Mid-Cap 400 ETF 921932844   131 1,504 SH   SOLE   1,504 0 0
Vanguard S&P Mid-Cap 400 Growth ETF ETF 921932869   89 902 SH   SOLE   902 0 0
Vanguard Short-Term Bond ETF ETF 921937827   960 12,463 SH   SOLE   12,256 0 207
Vanguard Short-Term Treasury ETF ETF 92206C102   510 8,745 SH   SOLE   8,745 0 0
Vanguard Sh-Tm Inflat- Prot ETF ETF 922020805   319 6,713 SH   SOLE   803 0 5,910
Vanguard Small Cap ETF ETF 922908751   31 145 SH   SOLE   145 0 0
Vanguard Small Cap Growth ETF ETF 922908595   63 261 SH   SOLE   261 0 0
Vanguard Total Int'l Bond Market ETF ETF 92203J407   876 17,742 SH   SOLE   16,558 0 1,184
Vanguard Total Stk Mkt ETF ETF 922908769   3,470 14,629 SH   SOLE   13,424 0 1,205
Vanguard Total U.S. Bond Market ETF ETF 921937835   1,995 27,129 SH   SOLE   25,810 0 1,319
Vanguard Total World Stock ETF ETF 922042742   188 1,832 SH   SOLE   1,682 0 150
Vanguard Ultra-Short Bond ETF ETF 92203C303   8 155 SH   SOLE   155 0 0
Vanguard Utilities Index Fund ETF 92204A876   15 108 SH   SOLE   108 0 0
Vanguard Value Index ETF ETF 922908744   261 1,747 SH   SOLE   1,747 0 0
Ventas REIT Inc REIT 92276F100   181 3,638 SH   SOLE   3,638 0 0
Verizon Communications Inc. COMMON 92343V104   1,338 35,482 SH   SOLE   34,558 0 924
Vertex Pharmaceuticals COMMON 92532F100   28 70 SH   SOLE   70 0 0
Viasat Inc COMMON 92552V100   118 4,207 SH   SOLE   3,673 0 534
Visa Inc COMMON 92826C839   4,902 18,829 SH   SOLE   18,169 0 660
Vistra Energy Corp COMMON 92840M102   77 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   32 500 SH   SOLE   500 0 0
Wal-Mart Stores COMMON 931142103   678 4,300 SH   SOLE   4,300 0 0
Walt Disney Hldg COMMON 254687106   3,748 41,513 SH   SOLE   39,734 0 1,779
Watts Water Technologies COMMON 942749102   119 573 SH   SOLE   70 0 503
WEC Energy Group COMMON 92939U106   332 3,947 SH   SOLE   3,947 0 0
Wells Fargo & Co COMMON 949746101   15 311 SH   SOLE   311 0 0
Welltower Inc REIT REIT 95040Q104   135 1,500 SH   SOLE   1,500 0 0
Weyerhaeuser Company COMMON 962166104   733 21,070 SH   SOLE   19,567 0 1,503
Whirlpool COMMON 963320106   188 1,547 SH   SOLE   1,347 0 200
WisdomTree Emerg Mk SmCap ETF ETF 97717W281   104 2,077 SH   SOLE   2,077 0 0
WisdomTree India Earnings ETF ETF 97717W422   109 2,665 SH   SOLE   2,665 0 0
Wisdomtree Japan SmCap Div ETF ETF 97717W836   46 620 SH   SOLE   620 0 0
Wolverine World Wide Inc. COMMON 978097103   33 3,753 SH   SOLE   3,753 0 0
WPP COMMON 92937A102   3,023 63,550 SH   SOLE   60,915 0 2,635
Wyndham Hotels & Resorts Inc COMMON 98311A105   36 452 SH   SOLE   452 0 0
Xcel Energy Inc. COMMON 98389B100   90 1,459 SH   SOLE   1,459 0 0
Xylem Inc COMMON 98419M100   821 7,181 SH   SOLE   6,781 0 400
Yum China Hldgs Inc Com COMMON 98850P109   1,575 37,116 SH   SOLE   35,704 0 1,412
Yum! Brands, Inc. COMMON 988498101   65 499 SH   SOLE   499 0 0
Zimmer Biomet Holdings Inc. COMMON 98956P102   1 5 SH   SOLE   5 0 0
Zoetis Inc COMMON 98978V103   35 179 SH   SOLE   179 0 0