The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co. Common Stock 88579Y101 537 3,931 SH   SOLE   3,931 0 0
AT&T Corp. Common Stock 00206R102 6,523 223,759 SH   SOLE   223,759 0 0
Abbott Labs Common Stock 002824100 10,236 129,715 SH   SOLE   129,715 0 0
Accenture PLC - Cl.A Common Stock G1151C101 3,486 21,354 SH   SOLE   21,354 0 0
Adobe Systems Common Stock 00724F101 3,665 11,518 SH   SOLE   11,518 0 0
Air Products & Chemicals Common Stock 009158106 1,569 7,859 SH   SOLE   7,859 0 0
Alexanders, Inc. Common Stock 014752109 1,896 6,872 SH   SOLE   6,872 0 0
Alibaba Group Hldgs Limited RS Common Stock 01609W102 1,993 10,246 SH   SOLE   10,246 0 0
Align Technology Inc. Common Stock 016255101 202 1,160 SH   SOLE   1,160 0 0
Alleghany Corp. Common Stock 017175100 6,707 12,142 SH   SOLE   12,142 0 0
Allegion Plc Common Stock G0176J109 230 2,500 SH   SOLE   2,500 0 0
Alphabet Inc. Cl A Common Stock 02079K305 3,083 2,653 SH   SOLE   2,653 0 0
Alphabet Inc. Cl C Common Stock 02079K107 647 556 SH   SOLE   556 0 0
Amazon.Com Inc. Common Stock 023135106 4,441 2,278 SH   SOLE   2,278 0 0
AmeriSourceBergen Common Stock 03073E105 1,060 11,981 SH   SOLE   11,981 0 0
American Express Co Common Stock 025816109 2,279 26,626 SH   SOLE   26,626 0 0
American Tower Corp. Common Stock 03027X100 2,500 11,482 SH   SOLE   11,482 0 0
Ansys Inc Common Stock 03662q105 250 1,075 SH   SOLE   1,075 0 0
Apple Inc. Common Stock 037833100 20,356 80,052 SH   SOLE   80,052 0 0
Applied Materials Common Stock 038222105 1,868 40,777 SH   SOLE   40,777 0 0
Arthur J. Gallagher & Co. Common Stock 363576109 245 3,000 SH   SOLE   3,000 0 0
Automatic Data Processing Common Stock 053015103 634 4,638 SH   SOLE   4,638 0 0
Bank of America Corp. Common Stock 060505104 2,099 98,893 SH   SOLE   98,893 0 0
Becton Dickinson Common Stock 075887109 4,526 19,699 SH   SOLE   19,699 0 0
Berkshire Hathaway Cl. B Common Stock 084670702 11,908 65,130 SH   SOLE   65,130 0 0
Blackstone Group Inc. Common Stock 09260D107 2,379 52,211 SH   SOLE   52,211 0 0
Boeing Co. Common Stock 097023105 3,849 25,811 SH   SOLE   25,811 0 0
Bristol-Myers Squibb Co Common Stock 110122108 6,874 123,318 SH   SOLE   123,318 0 0
CVS Health Corp. Common Stock 126650100 467 7,866 SH   SOLE   7,866 0 0
Capital One Financial Corp. Common Stock 14040H105 2,319 45,998 SH   SOLE   45,998 0 0
Carnival Cruise Common Stock 143658300 1,394 105,844 SH   SOLE   105,844 0 0
Celanese Corp Common Stock 150870103 3,769 51,358 SH   SOLE   51,358 0 0
Charles Schwab Corp. Common Stock 808513105 212 6,300 SH   SOLE   6,300 0 0
Chemed Corp Common Stock 16359R103 251 580 SH   SOLE   580 0 0
Chevron Corp. Common Stock 166764100 676 9,325 SH   SOLE   9,325 0 0
Cisco Systems Inc. Common Stock 17275R102 1,790 45,536 SH   SOLE   45,536 0 0
Citigroup Common Stock 172967424 4,712 111,872 SH   SOLE   111,872 0 0
Coca-Cola Common Stock 191216100 2,188 49,436 SH   SOLE   49,436 0 0
Comcast Corporation Class A Common Stock 20030N101 5,348 155,567 SH   SOLE   155,567 0 0
Cytokinetics, Inc. Common Stock 23282W605 177 15,000 SH   SOLE   15,000 0 0
Diageo PLC Common Stock 25243Q205 5,550 43,659 SH   SOLE   43,659 0 0
Disney, Walt & Co. Common Stock 254687106 7,343 76,017 SH   SOLE   76,017 0 0
Dover Corp. Common Stock 260003108 3,564 42,463 SH   SOLE   42,463 0 0
Eaton Corp. Common Stock G29183103 5,598 72,059 SH   SOLE   72,059 0 0
Exxon Mobil Corp. Common Stock 30231G102 1,805 47,543 SH   SOLE   47,543 0 0
Facebook, Inc. Common Stock 30303M102 2,182 13,082 SH   SOLE   13,082 0 0
General Electric Common Stock 369604103 4,423 557,091 SH   SOLE   557,091 0 0
General Motors Common Stock 37045V100 3,686 177,361 SH   SOLE   177,361 0 0
Goldman Sachs Group Inc Common Stock 38141G104 220 1,420 SH   SOLE   1,420 0 0
Grainger, WW Inc. Common Stock 384802104 3,976 15,998 SH   SOLE   15,998 0 0
Home Depot Common Stock 437076102 2,493 13,352 SH   SOLE   13,352 0 0
Honeywell Intl Common Stock 438516106 7,003 52,343 SH   SOLE   52,343 0 0
Hubbell, Inc. Common Stock 443510607 4,436 38,664 SH   SOLE   38,664 0 0
Humana Corp. Common Stock 444859102 608 1,935 SH   SOLE   1,935 0 0
Intel Corp Common Stock 458140100 7,107 131,318 SH   SOLE   131,318 0 0
International Business Machine Common Stock 459200101 767 6,917 SH   SOLE   6,917 0 0
Intuitive Surgical Inc. Common Stock 46120E602 2,321 4,687 SH   SOLE   4,687 0 0
JPMorgan Chase & Co. Common Stock 46625H100 3,271 36,331 SH   SOLE   36,331 0 0
Johnson & Johnson Common Stock 478160104 10,201 77,792 SH   SOLE   77,792 0 0
Kinder Morgan, Inc. (DE) Class Common Stock 49456B101 225 16,130 SH   SOLE   16,130 0 0
Levi Strauss & Co. Class A Common Stock 52736R102 158 12,720 SH   SOLE   12,720 0 0
Lockheed-Martin Common Stock 539830109 1,133 3,342 SH   SOLE   3,342 0 0
Lowes Companies Common Stock 548661107 3,620 42,064 SH   SOLE   42,064 0 0
Manulife Financial Corp. Common Stock 56501R106 1,017 81,087 SH   SOLE   81,087 0 0
Mastercard Inc Common Stock 57636Q104 3,201 13,252 SH   SOLE   13,252 0 0
McDonalds Corp. Common Stock 580135101 2,992 18,097 SH   SOLE   18,097 0 0
McKesson HBOC Inc. Common Stock 58155Q103 3,912 28,920 SH   SOLE   28,920 0 0
Merck Common Stock 58933Y105 8,130 105,669 SH   SOLE   105,669 0 0
Microsoft Corp Common Stock 594918104 14,780 93,719 SH   SOLE   93,719 0 0
Morgan Stanley Common Stock 617446448 3,727 109,629 SH   SOLE   109,629 0 0
NVIDIA Corp. Common Stock 67066G104 2,275 8,629 SH   SOLE   8,629 0 0
Nextera Energy Inc Common Stock 65339F101 274 1,140 SH   SOLE   1,140 0 0
Nike Common Stock 654106103 2,654 32,074 SH   SOLE   32,074 0 0
Northrop Grumman Corp Common Stock 666807102 2,307 7,624 SH   SOLE   7,624 0 0
Oracle Corp. Common Stock 68389X105 7,170 148,350 SH   SOLE   148,350 0 0
Pfizer Inc. Common Stock 717081103 271 8,317 SH   SOLE   8,317 0 0
Proctor & Gamble Common Stock 742718109 3,402 30,925 SH   SOLE   30,925 0 0
Progressive Corp. Common Stock 743315103 6,147 83,244 SH   SOLE   83,244 0 0
Public Service Ent. Common Stock 744573106 304 6,771 SH   SOLE   6,771 0 0
Qualcomm, Inc Common Stock 747525103 1,888 27,907 SH   SOLE   27,907 0 0
Raytheon Common Stock 755111507 1,451 11,065 SH   SOLE   11,065 0 0
Royal Dutch Shell PLC - Class Common Stock 780259107 5,512 168,754 SH   SOLE   168,754 0 0
Royal Dutch Shell Plc Spons Ad Common Stock 780259206 1,127 32,293 SH   SOLE   32,293 0 0
S&P Global, Inc. Common Stock 78409V104 2,869 11,706 SH   SOLE   11,706 0 0
Salesforce.com Common Stock 79466L302 1,687 11,718 SH   SOLE   11,718 0 0
Schlumberger Common Stock 806857108 793 58,758 SH   SOLE   58,758 0 0
Starbucks Corp. Common Stock 855244109 2,178 33,137 SH   SOLE   33,137 0 0
Stryker Corp. Common Stock 863667101 3,086 18,534 SH   SOLE   18,534 0 0
TJX Co., Inc.(New) Common Stock 872540109 8,144 170,333 SH   SOLE   170,333 0 0
Tanger Factory Outlet Centers, Common Stock 875465106 1,054 210,824 SH   SOLE   210,824 0 0
TelUS Corp Common Stock 87971M103 1,720 109,020 SH   SOLE   109,020 0 0
Teladoc Health, Inc. Common Stock 87918A105 320 2,065 SH   SOLE   2,065 0 0
Thermo Fisher Scientific Inc. Common Stock 883556102 477 1,682 SH   SOLE   1,682 0 0
Total SA France Spons. ADR Common Stock 89151E109 1,045 28,066 SH   SOLE   28,066 0 0
Ulta Salon Cosmetics& Fragranc Common Stock 90384S303 209 1,190 SH   SOLE   1,190 0 0
Unilever ADR Common Stock 904767704 6,299 124,561 SH   SOLE   124,561 0 0
Unilever NV Common Stock 904784709 619 12,695 SH   SOLE   12,695 0 0
Union Pacific Common Stock 907818108 332 2,355 SH   SOLE   2,355 0 0
United Parcel Service Inc. Cl Common Stock 911312106 1,379 14,766 SH   SOLE   14,766 0 0
United Technologies Common Stock 913017109 589 6,247 SH   SOLE   6,247 0 0
UnitedHealth Group Inc. Common Stock 91324P102 7,220 28,952 SH   SOLE   28,952 0 0
Verizon Communications Common Stock 92343V104 805 14,974 SH   SOLE   14,974 0 0
Vornado REIT Common Stock 929042109 673 18,594 SH   SOLE   18,594 0 0
Wal Mart Stores Inc. Common Stock 931142103 8,623 75,893 SH   SOLE   75,893 0 0
Walgreens Boots Alliance, Inc. Common Stock 931427108 3,910 85,457 SH   SOLE   85,457 0 0
Wells Fargo & Co. Common Stock 949746101 2,668 92,954 SH   SOLE   92,954 0 0
WestRock Company Common Stock 96145D105 3,847 136,119 SH   SOLE   136,119 0 0
Zebra Technologies Corp. Common Stock 989207105 226 1,230 SH   SOLE   1,230 0 0
Zoetis Inc. Common Stock 98978V103 2,144 18,217 SH   SOLE   18,217 0 0
Communication Services Select Index share 81369Y852 1,649 37,273 SH   SOLE   37,273 0 0
Consumer Discret Select Sector Index share 81369Y407 2,491 25,396 SH   SOLE   25,396 0 0
Consumer Staples Select Sector Index share 81369Y308 1,520 27,897 SH   SOLE   27,897 0 0
Energy Select Sector SPDR Index share 81369Y506 580 19,966 SH   SOLE   19,966 0 0
Financial Select Sector SPDR Index share 81369Y605 303 14,550 SH   SOLE   14,550 0 0
Health Care Select Sector Spdr Index share 81369Y209 3,590 40,529 SH   SOLE   40,529 0 0
Industrial Select Sector SPDR Index share 81369Y704 2,549 43,190 SH   SOLE   43,190 0 0
Ishares Russell 2000 Index share 464287655 1,357 11,856 SH   SOLE   11,856 0 0
Midcap SPDR Trust Ser 1 - S&P Index share 78467Y107 688 2,617 SH   SOLE   2,617 0 0
SPDR Gold Trust Index share 78463V107 295 1,990 SH   SOLE   1,990 0 0
SPDR S&P 500 Index share 78462F103 1,130 4,383 SH   SOLE   4,383 0 0
Technology Select Sector Index share 81369Y803 5,045 62,778 SH   SOLE   62,778 0 0
Vanguard Financials ETF Index share 92204A405 2,906 57,296 SH   SOLE   57,296 0 0
Vanguard Small-Cap Growth ETF Index share 922908595 1,811 12,049 SH   SOLE   12,049 0 0
Vanguard Total Stock Market ET Index share 922908769 309 2,397 SH   SOLE   2,397 0 0
iShares Core S&P Mid-Cap ETF Index share 464287507 1,109 7,709 SH   SOLE   7,709 0 0
Vanguard FTSE Developed Market Index share 921943858 287 8,596 SH   SOLE   8,596 0 0
Vanguard FTSE Europe ETF Index share 922042874 952 21,992 SH   SOLE   21,992 0 0
iShares MSCI EAFE Index share 464287465 1,850 34,601 SH   SOLE   34,601 0 0
Vanguard FTSE Emerging Markets Index share 922042858 827 24,638 SH   SOLE   24,638 0 0
iShares MSCI Emerging Markets Index share 464287234 209 6,125 SH   SOLE   6,125 0 0
Franklin High Income Fund - A Funds 353538101 52 32,263 SH   SOLE   32,263 0 0
Vanguard Total International B Funds 92203J407 689 12,245 SH   SOLE   12,245 0 0
Ishares U S Pfd Etf U S Pfd St Index share 464288687 573 18,000 SH   SOLE   18,000 0 0
SPDR Bloomberg Barclays 1-3 Mt Index share 78468R663 2,071 22,605 SH   SOLE   22,605 0 0
Vanguard Interm- Corp Bnd Fund Index share 92206C870 1,184 13,596 SH   SOLE   13,596 0 0
Vanguard Short-Term Bond ETF Index share 921937827 206 2,511 SH   SOLE   2,511 0 0
Vanguard Short-Term Infl. Prot Index share 922020805 5,441 111,675 SH   SOLE   111,675 0 0
iShares Floating Rate Bond Index share 46429B655 6,721 137,903 SH   SOLE   137,903 0 0
iShares Iboxx $ Invst Grade Cr Index share 464287242 374 3,025 SH   SOLE   3,025 0 0
iShares Intermediate-Term Corp Index share 464288638 2,236 40,715 SH   SOLE   40,715 0 0
iShares Short-Term Corp. Bd ET Index share 464288646 2,923 55,831 SH   SOLE   55,831 0 0
Ishares Tr Real Estate Etf Index share 464287739 669 9,622 SH   SOLE   9,622 0 0
Vanguard REIT ETF Index share 922908553 479 6,855 SH   SOLE   6,855 0 0