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 Company COM 88579Y101 1,170 7,307 SH   SOLE   0 0 7,307
ABB Ltd COM 000375204 3,622 142,311 SH   SOLE   0 0 142,311
ADM COM 039483102 450 9,689 SH   SOLE   0 0 9,689
ATN International COM 00215f107 299 5,964 SH   SOLE   0 0 5,964
AbbVie Inc COM 00287y109 351 4,008 SH   SOLE   0 0 4,008
Abbott Labs COM 002824100 608 5,586 SH   SOLE   0 0 5,586
Accenture COM G1151C101 271 1,200 SH   SOLE   0 0 1,200
Alibaba Holdings Ltd COM 01609w102 3,564 12,123 SH   SOLE   0 0 12,123
Alphabet Inc Class A COM 02079k305 476 325 SH   SOLE   0 0 325
Alphabet Inc Class C COM 02079k107 325 221 SH   SOLE   0 0 221
Amazon.com COM 023135106 1,310 416 SH   SOLE   0 0 416
Americold Realty Trust COM 03064D108 307 8,585 SH   SOLE   0 0 8,585
Amgen Inc COM 031162100 4,324 17,014 SH   SOLE   0 0 17,014
Apollo Global Mgmt Cl A COM 03768E105 427 9,550 SH   SOLE   0 0 9,550
Apple Computer COM 037833100 6,344 54,778 SH   SOLE   0 0 54,778
BHP Billiton Ltd. COM 088606108 287 5,551 SH   SOLE   0 0 5,551
Bank of New York Mellon COM 064058100 1,983 57,747 SH   SOLE   0 0 57,747
Becton Dickinson Co. COM 075887109 2,899 12,458 SH   SOLE   0 0 12,458
Berkshire Hathaway Cl A COM 084670108 320 1 SH   SOLE   0 0 1
Berkshire Hathaway Cl B COM 084670702 697 3,275 SH   SOLE   0 0 3,275
Blackstone Group Inc. COM 09260D107 394 7,550 SH   SOLE   0 0 7,550
Boeing COM 097023105 212 1,282 SH   SOLE   0 0 1,282
Bristol Myers Squibb Co COM 110122108 396 6,560 SH   SOLE   0 0 6,560
CNOOC Ltd COM 126132109 1,337 13,922 SH   SOLE   0 0 13,922
Check Point Software (ISR) COM M22465104 2,989 24,837 SH   SOLE   0 0 24,837
Chevron Corp COM 166764100 225 3,123 SH   SOLE   0 0 3,123
China Life Insurance Co. COM 16939P106 636 56,227 SH   SOLE   0 0 56,227
Chubb Ltd COM H1467J104 1,144 9,851 SH   SOLE   0 0 9,851
Church & Dwight COM 171340102 4,792 51,140 SH   SOLE   0 0 51,140
Cigna COM 125523100 511 3,017 SH   SOLE   0 0 3,017
Cintas Corp COM 172908105 238 715 SH   SOLE   0 0 715
Cisco Systems COM 17275R102 1,533 38,925 SH   SOLE   0 0 38,925
Colgate COM 194162103 376 4,875 SH   SOLE   0 0 4,875
Diageo PLC COM 25243Q205 3,712 26,965 SH   SOLE   0 0 26,965
Dover Corp COM 260003108 325 3,000 SH   SOLE   0 0 3,000
Emerson Electric COM 291011104 314 4,795 SH   SOLE   0 0 4,795
Enstar Group Ltd COM G3075P101 307 1,900 SH   SOLE   0 0 1,900
Exxon Mobil Corp COM 30231G102 504 14,683 SH   SOLE   0 0 14,683
FEMSA COM 344419106 1,311 23,325 SH   SOLE   0 0 23,325
FedEx Corp. COM 31428X106 4,173 16,592 SH   SOLE   0 0 16,592
Fidelity National Info Service COM 31620m106 377 2,560 SH   SOLE   0 0 2,560
Fifth Third Bancorp COM 316773100 375 17,568 SH   SOLE   0 0 17,568
First Bancorp COM 31866p102 268 12,725 SH   SOLE   0 0 12,725
General Electric COM 369604103 191 30,717 SH   SOLE   0 0 30,717
General Mills COM 370334104 596 9,664 SH   SOLE   0 0 9,664
Gilead Science Inc COM 375558103 220 3,478 SH   SOLE   0 0 3,478
Goldman Sachs JUST US Large Ca COM 381430396 359 7,350 SH   SOLE   0 0 7,350
Hannon Armstrong Sustainable I COM 41068X100 218 5,162 SH   SOLE   0 0 5,162
Hasbro Corp COM 418056107 3,344 40,429 SH   SOLE   0 0 40,429
Hershey Foods Corp COM 427866108 3,211 22,402 SH   SOLE   0 0 22,402
Home Depot COM 437076102 341 1,229 SH   SOLE   0 0 1,229
Honeywell International COM 438516106 967 5,872 SH   SOLE   0 0 5,872
IBM COM 459200101 3,449 28,347 SH   SOLE   0 0 28,347
Idexx Labs COM 45168D104 1,090 2,774 SH   SOLE   0 0 2,774
Intel COM 458140100 2,885 55,724 SH   SOLE   0 0 55,724
JP Morgan Chase & Co. COM 46625H100 497 5,158 SH   SOLE   0 0 5,158
Johnson & Johnson COM 478160104 1,534 10,301 SH   SOLE   0 0 10,301
Kellogg Co COM 487836108 351 5,430 SH   SOLE   0 0 5,430
Laboratory Corp of America COM 50540r409 213 1,130 SH   SOLE   0 0 1,130
Manpower COM 56418H100 318 4,330 SH   SOLE   0 0 4,330
Markel Corp COM 570535104 243 250 SH   SOLE   0 0 250
McCormick Inc COM 579780206 2,517 12,970 SH   SOLE   0 0 12,970
McDonald's COM 580135101 1,673 7,622 SH   SOLE   0 0 7,622
Merck & Co COM 58933y105 1,236 14,902 SH   SOLE   0 0 14,902
Microsoft COM 594918104 8,594 40,861 SH   SOLE   0 0 40,861
Nextera Energy Inc. COM 65339f101 231 834 SH   SOLE   0 0 834
Nike Inc B COM 654106103 249 1,982 SH   SOLE   0 0 1,982
Norfolk Southern COM 655844108 4,713 22,023 SH   SOLE   0 0 22,023
Pepsico COM 713448108 274 1,975 SH   SOLE   0 0 1,975
Pfizer COM 717081103 460 12,534 SH   SOLE   0 0 12,534
Philip Morris Int'l COM 718172109 243 3,242 SH   SOLE   0 0 3,242
Procter & Gamble COM 742718109 1,883 13,550 SH   SOLE   0 0 13,550
Qualcomm Inc. COM 747525103 250 2,124 SH   SOLE   0 0 2,124
Rockwell Automation Inc COM 773903109 4,434 20,091 SH   SOLE   0 0 20,091
Roper Industries COM 776696106 376 952 SH   SOLE   0 0 952
Royal Dutch Shell A ADR COM 780259206 584 23,205 SH   SOLE   0 0 23,205
Royal Dutch Shell B ADR COM 780259107 871 35,980 SH   SOLE   0 0 35,980
SPDR S&P 500 COM 78462F103 56,119 167,576 SH   SOLE   0 0 167,576
SPDR S&P Mid Cap 400 COM 78467Y107 31,657 93,430 SH   SOLE   0 0 93,430
Schwab US REIT COM 808524847 267 7,539 SH   SOLE   0 0 7,539
Sherwin Williams COM 824348106 704 1,011 SH   SOLE   0 0 1,011
Smith & Nephew (UK) ADR COM 83175M205 987 25,245 SH   SOLE   0 0 25,245
TSMC COM 874039100 398 4,906 SH   SOLE   0 0 4,906
Texas Instruments COM 882508104 4,753 33,288 SH   SOLE   0 0 33,288
Thermo Fisher Scientific COM 883556102 368 833 SH   SOLE   0 0 833
US Bancorp COM 902973304 2,567 71,603 SH   SOLE   0 0 71,603
Unilever (NL shares) COM 904784709 4,153 68,755 SH   SOLE   0 0 68,755
Vanguard All World ex-US COM 922042775 3,970 78,691 SH   SOLE   0 0 78,691
Vanguard CRSP Mid Cap COM 922908629 1,091 6,188 SH   SOLE   0 0 6,188
Vanguard Emerging Markets COM 922042858 14,372 332,387 SH   SOLE   0 0 332,387
Vanguard FTSE All World ex-US COM 922042718 7,055 67,002 SH   SOLE   0 0 67,002
Vanguard FTSE Developed Market COM 921943858 5,045 123,346 SH   SOLE   0 0 123,346
Vanguard Large Cap Growth COM 922908736 266 1,170 SH   SOLE   0 0 1,170
Vanguard Russell 2000 Value COM 92206C649 347 3,979 SH   SOLE   0 0 3,979
Vanguard S&P 500 COM 922908363 685 2,226 SH   SOLE   0 0 2,226
Vanguard Total US Market COM 922908769 12,783 75,057 SH   SOLE   0 0 75,057
Verizon Communications COM 92343V104 264 4,438 SH   SOLE   0 0 4,438
Visa Inc COM 92826C839 223 1,117 SH   SOLE   0 0 1,117
Walt Disney Company COM 254687106 383 3,088 SH   SOLE   0 0 3,088
Westrock Co COM 96145d105 297 8,544 SH   SOLE   0 0 8,544
WisdomTree Emerging Markets Sm COM 97717W281 1,952 47,212 SH   SOLE   0 0 47,212
WisdomTree India Fund COM 97717w422 1,035 43,866 SH   SOLE   0 0 43,866
Xylem Inc COM 98419m100 1,960 23,301 SH   SOLE   0 0 23,301
iShares Core MSCI EAFE COM 46432f842 4,135 68,594 SH   SOLE   0 0 68,594
iShares Core MSCI Emerging Mar COM 46434G103 2,866 54,288 SH   SOLE   0 0 54,288
iShares Core S&P 500 COM 464287200 3,188 9,485 SH   SOLE   0 0 9,485
iShares ESG USA Mid/Small Cap COM 46435u663 263 9,900 SH   SOLE   0 0 9,900
iShares MSCI EAFE Index COM 464287465 18,335 288,060 SH   SOLE   0 0 288,060
iShares MSCI Emerging Markets COM 464287234 11,437 259,404 SH   SOLE   0 0 259,404
iShares MSCI USA ESG Select ET COM 464288802 482 3,275 SH   SOLE   0 0 3,275
iShares Mid Cap S&P 400 COM 464287507 10,577 57,080 SH   SOLE   0 0 57,080
iShares Russell 2000 COM 464287655 9,222 61,567 SH   SOLE   0 0 61,567
iShares Russell Microcap COM 464288869 413 4,560 SH   SOLE   0 0 4,560
iShares S&P 100 Index COM 464287101 352 2,263 SH   SOLE   0 0 2,263
iShares S&P 500 Growth COM 464287309 227 981 SH   SOLE   0 0 981
iShares Select Dividend COM 464287168 1,020 12,505 SH   SOLE   0 0 12,505
iShares Small Cap S&P 600 COM 464287804 263 3,750 SH   SOLE   0 0 3,750
Vanguard Short Term TIPS COM 922020805 10,407 203,985 SH   SOLE   0 0 203,985
iShares 0-5 Year TIPS COM 46429b747 10,553 101,410 SH   SOLE   0 0 101,410
iShares 1-3 Year Treasury COM 464287457 225 2,604 SH   SOLE   0 0 2,604
iShares Short Term National Mu COM 464288158 1,897 17,550 SH   SOLE   0 0 17,550