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

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COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
3M CompanyCOM88579Y1011,4087,307SH SOLE 007,307
ABB LtdCOM0003752044,404144,521SH SOLE 00144,521
ADMCOM0394831024578,010SH SOLE 008,010
ATN InternationalCOM00215f1072935,964SH SOLE 005,964
AbbVie IncCOM00287y1092902,681SH SOLE 002,681
Abbott LabsCOM0028241007806,506SH SOLE 006,506
AccentureCOMG1151C1013311,200SH SOLE 001,200
Alibaba Holdings LtdCOM01609w1022,91612,863SH SOLE 0012,863
Alphabet Inc Class ACOM02079k305786381SH SOLE 00381
Alphabet Inc Class CCOM02079k107573277SH SOLE 00277
Amazon.comCOM0231351061,572508SH SOLE 00508
Americold Realty TrustCOM03064D10852713,695SH SOLE 0013,695
Amgen IncCOM0311621004,31217,330SH SOLE 0017,330
Apollo Global Mgmt Cl ACOM03768E1054028,550SH SOLE 008,550
Apple IncCOM0378331006,78655,558SH SOLE 0055,558
Applied MaterialsCOM0382221052141,600SH SOLE 001,600
BHP Billiton Ltd.COM0886061083855,551SH SOLE 005,551
Bank of New York MellonCOM0640581003,06564,812SH SOLE 0064,812
Becton Dickinson Co.COM0758871093,28013,490SH SOLE 0013,490
Berkshire Hathaway Cl ACOM0846701083861SH SOLE 001
Berkshire Hathaway Cl BCOM0846707029283,633SH SOLE 003,633
Blackstone Group Inc.COM09260D1075056,775SH SOLE 006,775
BoeingCOM097023105206807SH SOLE 00807
Bristol Myers Squibb CoCOM1101221084156,568SH SOLE 006,568
Check Point Software (ISR)COMM224651043,08027,506SH SOLE 0027,506
Chevron CorpCOM1667641002972,839SH SOLE 002,839
China Life Insurance Co.COM16939P10652750,627SH SOLE 0050,627
Chubb LtdCOMH1467J1041,4369,089SH SOLE 009,089
Church & DwightCOM1713401024,64853,215SH SOLE 0053,215
CignaCOM1255231006202,566SH SOLE 002,566
Cintas CorpCOM172908105244715SH SOLE 00715
Cisco SystemsCOM17275R1022,62650,782SH SOLE 0050,782
Coca Cola CoCOM1912161002144,057SH SOLE 004,057
ColgateCOM1941621033844,875SH SOLE 004,875
Credit Acceptance CorpCOM225310101201559SH SOLE 00559
Diageo PLCCOM25243Q2054,55927,763SH SOLE 0027,763
Dover CorpCOM2600031084663,400SH SOLE 003,400
Eli LillyCOM5324571082491,332SH SOLE 001,332
Emerson ElectricCOM2910111044334,795SH SOLE 004,795
Enstar Group LtdCOMG3075P1014441,800SH SOLE 001,800
Exxon Mobil CorpCOM30231G10267812,136SH SOLE 0012,136
FEMSACOM3444191061,85524,630SH SOLE 0024,630
FedEx Corp.COM31428X1064,65316,383SH SOLE 0016,383
Fidelity National Info ServiceCOM31620m1063402,419SH SOLE 002,419
Fifth Third BancorpCOM31677310065817,568SH SOLE 0017,568
First BancorpCOM31866p10237112,725SH SOLE 0012,725
General ElectricCOM36960410340931,117SH SOLE 0031,117
General MillsCOM3703341045939,664SH SOLE 009,664
Goldman Sachs JUST US Large CaCOM3814303964247,350SH SOLE 007,350
Hannon Armstrong Sustainable ICOM41068X1002905,162SH SOLE 005,162
Hasbro CorpCOM4180561073,98541,463SH SOLE 0041,463
Hershey Foods CorpCOM4278661083,56622,548SH SOLE 0022,548
Home DepotCOM4370761024091,341SH SOLE 001,341
Honeywell InternationalCOM4385161061,2695,847SH SOLE 005,847
IBMCOM4592001013,96029,717SH SOLE 0029,717
Idexx LabsCOM45168D1041,5463,159SH SOLE 003,159
IntelCOM4581401004,56771,359SH SOLE 0071,359
JP Morgan Chase & Co.COM46625H1007815,131SH SOLE 005,131
Johnson & JohnsonCOM4781601041,85711,299SH SOLE 0011,299
Kellogg CoCOM4878361083445,430SH SOLE 005,430
Laboratory Corp of AmericaCOM50540r4093071,204SH SOLE 001,204
ManpowerCOM56418H1004284,330SH SOLE 004,330
Markel CorpCOM570535104365320SH SOLE 00320
McCormick IncCOM5797802062,52028,263SH SOLE 0028,263
McDonald'sCOM5801351011,6167,208SH SOLE 007,208
MercadoLibre Inc.COM58733R102554376SH SOLE 00376
Merck & CoCOM58933y1051,14914,902SH SOLE 0014,902
MicrosoftCOM5949181049,96542,264SH SOLE 0042,264
Natura & Co.COM63884n10820311,925SH SOLE 0011,925
Nextera Energy Inc.COM65339f1012503,300SH SOLE 003,300
Nike Inc BCOM6541061032631,982SH SOLE 001,982
Norfolk SouthernCOM6558441085,74721,403SH SOLE 0021,403
PayPal Holdings, Inc.COM70450y103239983SH SOLE 00983
PepsicoCOM7134481083772,666SH SOLE 002,666
PfizerCOM71708110349113,539SH SOLE 0013,539
Philip Morris Int'lCOM7181721092883,242SH SOLE 003,242
Procter & GambleCOM7427181091,69312,499SH SOLE 0012,499
Qualcomm Inc.COM7475251032822,124SH SOLE 002,124
Rockwell Automation IncCOM7739031095,30519,984SH SOLE 0019,984
Roper IndustriesCOM776696106384952SH SOLE 00952
Royal Dutch Shell A ADRCOM78025920686522,050SH SOLE 0022,050
Royal Dutch Shell B ADRCOM7802591071,30635,455SH SOLE 0035,455
SPDR Gold SharesCOM78463v1073792,368SH SOLE 002,368
SPDR S&P 500COM78462F10365,021164,058SH SOLE 00164,058
SPDR S&P Mid Cap 400COM78467Y10743,02290,373SH SOLE 0090,373
Schwab US REITCOM8085248473107,539SH SOLE 007,539
Sherwin WilliamsCOM8243481067461,011SH SOLE 001,011
Skyworks Solutions IncCOM83088m1022351,281SH SOLE 001,281
Smith & Nephew (UK) ADRCOM83175M20595325,135SH SOLE 0025,135
TSMCCOM8740391006995,906SH SOLE 005,906
Texas InstrumentsCOM8825081046,21232,867SH SOLE 0032,867
Thermo Fisher ScientificCOM883556102312683SH SOLE 00683
US BancorpCOM9029733043,93971,213SH SOLE 0071,213
Unilever PLCCOM9047677044,25976,294SH SOLE 0076,294
Union Pacific CorpCOM907818108210955SH SOLE 00955
Vanguard All World ex-USCOM9220427754,60475,871SH SOLE 0075,871
Vanguard CRSP Mid CapCOM9229086291,3706,188SH SOLE 006,188
Vanguard Emerging MarketsCOM92204285817,954344,942SH SOLE 00344,942
Vanguard FTSE All World ex-USCOM9220427189,07170,662SH SOLE 0070,662
Vanguard FTSE Developed MarketCOM9219438586,055123,301SH SOLE 00123,301
Vanguard Large Cap GrowthCOM9229087363011,170SH SOLE 001,170
Vanguard Large Cap ValueCOM9229087442361,796SH SOLE 001,796
Vanguard Russell 2000 ValueCOM92206C6495563,979SH SOLE 003,979
Vanguard S&P 500COM9229083631,3323,656SH SOLE 003,656
Vanguard Total US MarketCOM92290876915,03372,730SH SOLE 0072,730
Verizon CommunicationsCOM92343V1043235,551SH SOLE 005,551
Visa IncCOM92826C8392751,299SH SOLE 001,299
Walt Disney CompanyCOM2546871067073,832SH SOLE 003,832
Westrock CoCOM96145d1054458,544SH SOLE 008,544
WisdomTree Emerging Markets SmCOM97717W2812,67152,071SH SOLE 0052,071
WisdomTree India FundCOM97717w4221,37643,641SH SOLE 0043,641
Xylem IncCOM98419m1002,50523,816SH SOLE 0023,816
iShares Core MSCI EAFECOM46432f8427,10298,574SH SOLE 0098,574
iShares Core MSCI Emerging MarCOM46434G1034,36267,771SH SOLE 0067,771
iShares Core S&P 500COM4642872004,81512,104SH SOLE 0012,104
iShares ESG MSCI EAFE IndexCOM46435g5162493,275SH SOLE 003,275
iShares ESG MSCI Emerging MarkCOM46434g8632535,850SH SOLE 005,850
iShares ESG USA Mid/Small CapCOM46435u6633829,900SH SOLE 009,900
iShares MSCI EAFE IndexCOM46428746521,707286,103SH SOLE 00286,103
iShares MSCI Emerging MarketsCOM46428723413,593254,832SH SOLE 00254,832
iShares MSCI USA ESG Select ETCOM4642888025756,550SH SOLE 006,550
iShares Mid Cap S&P 400COM46428750717,59467,598SH SOLE 0067,598
iShares Russell 2000COM46428765513,89062,868SH SOLE 0062,868
iShares Russell 2000 GrowthCOM464287648233775SH SOLE 00775
iShares Russell MicrocapCOM4642888696464,395SH SOLE 004,395
iShares S&P 100 IndexCOM4642871014072,263SH SOLE 002,263
iShares S&P 500 GrowthCOM4642873092553,924SH SOLE 003,924
iShares Select DividendCOM4642871681,42712,505SH SOLE 0012,505
iShares Small Cap S&P 600COM4642878044043,722SH SOLE 003,722
JP Morgan Ultra-Short IncomeCOM46641Q8372504,925SH SOLE 004,925
PIMCO Enhanced Shrt Mat ActiveCOM72201R8332042,000SH SOLE 002,000
SPDR Investment Grade FloatingCOM78468R2006,993228,215SH SOLE 00228,215
SPDR Portfolio Short Term TreaCOM78468r1012,36277,030SH SOLE 0077,030
Vanguard Short-Term TIPS BondCOM92202080512,189236,504SH SOLE 00236,504
Vanguard Short-Term Treasury ECOM92206C1022,73444,444SH SOLE 0044,444
iShares 0-5 Year TIPS Bond ETFCOM46429b74712,443117,698SH SOLE 00117,698
iShares AAA-A Rated CorporateCOM46429B2916,301113,678SH SOLE 00113,678
iShares Agency Bond ETFCOM4642881662,84624,170SH SOLE 0024,170
iShares Floating Rate Bond ETFCOM46429B6556,981137,470SH SOLE 00137,470
iShares GNMA Bond ETFCOM46429B3336,684132,910SH SOLE 00132,910
iShares MBS ETFCOM4642885886,70961,881SH SOLE 0061,881
iShares Short-Term National MuCOM4642881581,89217,550SH SOLE 0017,550
iShares Ultra Short Term BondCOM46434V8782504,950SH SOLE 004,950