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
Abbott Labs COM 002824100 1,167 10,720 SH   DFND 1 10,720 0 0
Abbvie Inc COM 00287Y109 1,030 11,757 SH   DFND 1 11,757 0 0
Accenture PLC CL A COM G1151C101 989 4,375 SH   DFND 1 4,375 0 0
Activision Blizzard Inc COM 00507V109 1,538 19,004 SH   DFND 1 19,004 0 0
Adobe Inc COM 00724F101 2,453 5,002 SH   DFND 1 5,002 0 0
Advanced Micro Devices COM 007903107 749 9,150 SH   DFND 1 9,150 0 0
Air Products & Chemicals, Inc. COM 009158106 744 2,497 SH   DFND 1 2,497 0 0
Albemarle Corp COM 012653101 418 4,680 SH   DFND 1 4,680 0 0
Alexion Pharmaceuticals Inc COM 015351109 417 3,640 SH   DFND 1 3,640 0 0
Alibaba Group Holdings COM 01609W102 1,167 3,970 SH   DFND 1 3,970 0 0
Align Technology COM 016255101 651 1,988 SH   DFND 1 1,988 0 0
Allstate Corp COM 020002101 438 4,652 SH   DFND 1 4,652 0 0
Alphabet Inc Class A COM 02079K305 2,729 1,862 SH   DFND 1 1,862 0 0
Alphabet Inc Class C COM 02079K107 2,808 1,911 SH   DFND 1 1,911 0 0
Altria Group, Inc. COM 02209S103 547 14,147 SH   DFND 1 14,147 0 0
Amazon.com, Inc. COM 023135106 10,488 3,331 SH   DFND 1 3,331 0 0
Amdocs Ltd COM G02602103 204 3,550 SH   DFND 1 3,550 0 0
American Electric Power COM 025537101 700 8,570 SH   DFND 1 8,570 0 0
American Express COM 025816109 975 9,730 SH   DFND 1 9,730 0 0
American Water Works Co Inc COM 030420103 541 3,735 SH   DFND 1 3,735 0 0
Anthem Inc COM 036752103 961 3,577 SH   DFND 1 3,577 0 0
Apollo Global Management Inc COM 03768E105 510 11,400 SH   DFND 1 11,400 0 0
Apple Inc COM 037833100 13,771 118,913 SH   DFND 1 118,913 0 0
Ares Capital Corp COM 04010L103 226 16,200 SH   DFND 1 16,200 0 0
Arthur J. Gallagher & Co. COM 363576109 1,196 11,327 SH   DFND 1 11,327 0 0
AT&T Inc COM 00206R102 1,565 54,899 SH   DFND 1 54,899 0 0
Atmos Energy Corp. COM 049560105 540 5,650 SH   DFND 1 5,650 0 0
Bank of New York Mellon Corp. COM 064058100 386 11,239 SH   DFND 1 11,239 0 0
Becton Dickinson and Co COM 075887109 268 1,150 SH   DFND 1 1,150 0 0
Biomarin Pharmaceutical Inc COM 09061G101 283 3,725 SH   DFND 1 3,725 0 0
Blackstone Group Inc NPV COM 09260D107 485 9,300 SH   DFND 1 9,300 0 0
Boeing Company COM 097023105 959 5,805 SH   DFND 1 5,805 0 0
Boston Properties Inc COM 101121101 217 2,700 SH   DFND 1 2,700 0 0
Bristol Myers Squibb COM 110122108 1,092 18,107 SH   DFND 1 18,107 0 0
Broadcom Inc COM 11135F101 1,519 4,170 SH   DFND 1 4,170 0 0
Cadence Design Systems, Inc. COM 127387108 482 4,515 SH   DFND 1 4,515 0 0
Capital One Financial COM 14040H105 456 6,343 SH   DFND 1 6,343 0 0
Carrier Global Corp COM 14448C104 276 9,041 SH   DFND 1 9,041 0 0
Caterpillar Inc. COM 149123101 590 3,955 SH   DFND 1 3,955 0 0
Centene Corp COM 15135B101 451 7,725 SH   DFND 1 7,725 0 0
Charles Schwab Corp. COM 808513105 761 21,005 SH   DFND 1 21,005 0 0
Chart Industries Inc COM 16115Q308 363 5,165 SH   DFND 1 5,165 0 0
Cheniere Energy Inc COM 16411R208 353 7,630 SH   DFND 1 7,630 0 0
Chevron Corp. COM 166764100 1,064 14,775 SH   DFND 1 14,775 0 0
Church & Dwight Co. COM 171340102 1,293 13,795 SH   DFND 1 13,795 0 0
Cigna Corp COM 125523100 533 3,147 SH   DFND 1 3,147 0 0
Cisco Systems COM 17275R102 1,148 29,148 SH   DFND 1 29,148 0 0
Citigroup Inc. COM 172967424 630 14,610 SH   DFND 1 14,610 0 0
CMS Energy Corp. COM 125896100 921 14,998 SH   DFND 1 14,998 0 0
Coca-Cola COM 191216100 1,753 35,511 SH   DFND 1 35,511 0 0
Cognizant Tech Solutions Corp. COM 192446102 435 6,260 SH   DFND 1 6,260 0 0
Columbia Sportswear Co COM 198516106 491 5,641 SH   DFND 1 5,641 0 0
Comcast Corp COM 20030N101 1,792 38,730 SH   DFND 1 38,730 0 0
Conagra Brands Inc COM 205887102 250 7,000 SH   DFND 1 7,000 0 0
Constellation Brands COM 21036P108 1,205 6,358 SH   DFND 1 6,358 0 0
Corning Inc. COM 219350105 360 11,118 SH   DFND 1 11,118 0 0
Costco Co. COM 22160K105 1,067 3,005 SH   DFND 1 3,005 0 0
Covanta Holding Corp COM 22282E102 90 11,625 SH   DFND 1 11,625 0 0
Crowdstrike Holdings Inc COM 22788C105 737 5,364 SH   DFND 1 5,364 0 0
Crown Castle International Cor COM 22822V101 785 4,715 SH   DFND 1 4,715 0 0
Cummins Inc COM 231021106 751 3,555 SH   DFND 1 3,555 0 0
CVS Health Corp COM 126650100 640 10,964 SH   DFND 1 10,964 0 0
Danaher Corp. COM 235851102 1,771 8,223 SH   DFND 1 8,223 0 0
Darden Restaurants Inc. COM 237194105 500 4,960 SH   DFND 1 4,960 0 0
Davita Inc COM 23918K108 422 4,925 SH   DFND 1 4,925 0 0
Delek US Holding Inc COM 24665A103 137 12,295 SH   DFND 1 12,295 0 0
Digital Realty COM 253868103 598 4,075 SH   DFND 1 4,075 0 0
Discovery Inc COM 25470F104 322 14,803 SH   DFND 1 14,803 0 0
Dollar General COM 256677105 911 4,348 SH   DFND 1 4,348 0 0
Dominion Energy Inc COM 25746U109 652 8,263 SH   DFND 1 8,263 0 0
Dow Inc COM 260557103 219 4,653 SH   DFND 1 4,653 0 0
Du Pont (E.I.) De Nemours & Co COM 26614N102 260 4,693 SH   DFND 1 4,693 0 0
Duke Energy Corp. COM 26441C204 993 11,218 SH   DFND 1 11,218 0 0
Duke Realty Corp. COM 264411505 225 6,100 SH   DFND 1 6,100 0 0
Eagle Materials Inc COM 26969P108 388 4,492 SH   DFND 1 4,492 0 0
Edison Int'l COM 281020107 401 7,895 SH   DFND 1 7,895 0 0
Electronic Arts Inc. COM 285512109 604 4,631 SH   DFND 1 4,631 0 0
Enbridge Inc COM 29250N105 480 16,447 SH   DFND 1 16,447 0 0
Energy Transfer LP COM 29273V100 84 15,445 SH   DFND 1 15,445 0 0
Enterprise Products Partners L COM 293792107 192 12,156 SH   DFND 1 12,156 0 0
EOG Resources COM 26875P101 256 7,125 SH   DFND 1 7,125 0 0
EPAM Systems Inc COM 29414B104 781 2,415 SH   DFND 1 2,415 0 0
Equity Residential Properties COM 29476L107 257 5,000 SH   DFND 1 5,000 0 0
Essex Property Trust Inc COM 297178105 215 1,069 SH   DFND 1 1,069 0 0
Evergy Inc COM 30034W106 314 6,170 SH   DFND 1 6,170 0 0
Exact Sciences Corp COM 30063P105 1,031 10,110 SH   DFND 1 10,110 0 0
Exelon Corp. COM 30161N101 419 11,720 SH   DFND 1 11,720 0 0
Expedia Group Inc COM 30212P303 333 3,630 SH   DFND 1 3,630 0 0
Exxon Mobil Corp. COM 30231G102 914 26,628 SH   DFND 1 26,628 0 0
Facebook Inc COM 30303M102 5,383 20,555 SH   DFND 1 20,555 0 0
Fedex Corp. COM 31428X106 783 3,113 SH   DFND 1 3,113 0 0
Fidelity National Information COM 31620M106 960 6,522 SH   DFND 1 6,522 0 0
Fifth Third Bancorp COM 316773100 371 17,403 SH   DFND 1 17,403 0 0
FIserv Inc. COM 337738108 716 6,952 SH   DFND 1 6,952 0 0
Flexion Therapeutics Inc COM 33938J106 501 48,095 SH   DFND 1 48,095 0 0
Flowserve Corp. COM 34354P105 204 7,477 SH   DFND 1 7,477 0 0
FMC Corp COM 302491303 483 4,560 SH   DFND 1 4,560 0 0
Fortive Corp COM 34959J108 237 3,112 SH   DFND 1 3,112 0 0
Freeport-McMoRan Inc COM 35671D857 184 11,770 SH   DFND 1 11,770 0 0
Gaming and Leisure Properties COM 36467J108 552 14,955 SH   DFND 1 14,955 0 0
Garmin Ltd COM H2906T109 256 2,700 SH   DFND 1 2,700 0 0
General Electric Co. COM 369604103 427 68,557 SH   DFND 1 68,557 0 0
General Motors Inc COM 37045V100 226 7,640 SH   DFND 1 7,640 0 0
Gilead Science Inc COM 375558103 591 9,359 SH   DFND 1 9,359 0 0
GlaxoSmithKline plc ADR COM 37733W105 281 7,470 SH   DFND 1 7,470 0 0
Global Payments Inc. COM 37940X102 528 2,974 SH   DFND 1 2,974 0 0
Goldman Sachs Group COM 38141G104 898 4,467 SH   DFND 1 4,467 0 0
Halliburton Co. COM 406216101 131 10,872 SH   DFND 1 10,872 0 0
Hawaiian Electric Ind. COM 419870100 256 7,700 SH   DFND 1 7,700 0 0
Healthpeak Properties Inc COM 42250P103 217 7,975 SH   DFND 1 7,975 0 0
Hologic Inc COM 436440101 522 7,850 SH   DFND 1 7,850 0 0
Home Depot, Inc. COM 437076102 3,389 12,203 SH   DFND 1 12,203 0 0
Honeywell International, Inc. COM 438516106 1,899 11,536 SH   DFND 1 11,536 0 0
HP Inc COM 40434L105 367 19,325 SH   DFND 1 19,325 0 0
Icahn Enterprises LP COM 451100101 267 5,425 SH   DFND 1 5,425 0 0
Insulet Corp COM 45784P101 1,362 5,755 SH   DFND 1 5,755 0 0
Intel Corp. COM 458140100 1,283 24,786 SH   DFND 1 24,786 0 0
International Business Machine COM 459200101 587 4,821 SH   DFND 1 4,821 0 0
Intuitive Surgical, Inc. COM 46120E602 1,650 2,326 SH   DFND 1 2,326 0 0
Iron Mountain Inc. COM 46284V101 396 14,770 SH   DFND 1 14,770 0 0
JD.com Inc COM 47215P106 941 12,120 SH   DFND 1 12,120 0 0
Johnson & Johnson COM 478160104 2,996 20,125 SH   DFND 1 20,125 0 0
JPMorgan Chase & Co. COM 46625H100 2,716 28,214 SH   DFND 1 28,214 0 0
Kimco Realty Corp. COM 49446R109 113 10,000 SH   DFND 1 10,000 0 0
Kinder Morgan Inc. COM 49456B101 128 10,377 SH   DFND 1 10,377 0 0
KKR & Co Inc COM 48251W104 387 11,275 SH   DFND 1 11,275 0 0
Kroger Co COM 501044101 629 18,535 SH   DFND 1 18,535 0 0
Las Vegas Sands COM 517834107 253 5,425 SH   DFND 1 5,425 0 0
Lilly (Eli) & Co. COM 532457108 2,198 14,851 SH   DFND 1 14,851 0 0
Lowe's Co. COM 548661107 1,085 6,539 SH   DFND 1 6,539 0 0
Marathon Petroleum Corp. COM 56585A102 205 6,985 SH   DFND 1 6,985 0 0
Marriott International COM 571903202 245 2,650 SH   DFND 1 2,650 0 0
Marsh & McLennan Companies, In COM 571748102 1,591 13,870 SH   DFND 1 13,870 0 0
MasterCard Inc COM 57636Q104 2,320 6,860 SH   DFND 1 6,860 0 0
McCormick & Co. COM 579780206 761 3,921 SH   DFND 1 3,921 0 0
McDonald's Corp. COM 580135101 1,636 7,453 SH   DFND 1 7,453 0 0
Mckesson HBOC Inc. COM 58155Q103 230 1,545 SH   DFND 1 1,545 0 0
Medtronic Inc COM G5960L103 739 7,108 SH   DFND 1 7,108 0 0
Merck & Co., Inc. COM 58933Y105 1,838 22,155 SH   DFND 1 22,155 0 0
Metlife Inc COM 59156R108 420 11,298 SH   DFND 1 11,298 0 0
Micron Technology Inc. COM 595112103 400 8,525 SH   DFND 1 8,525 0 0
Microsoft Corp COM 594918104 12,791 60,816 SH   DFND 1 60,816 0 0
Minerals Technologies Inc COM 603158106 279 5,465 SH   DFND 1 5,465 0 0
Mondelez International Inc COM 609207105 765 13,318 SH   DFND 1 13,318 0 0
Morgan Stanley, Dean Witter, D COM 617446448 1,108 22,913 SH   DFND 1 22,913 0 0
National Fuel Gas Co. COM 636180101 280 6,900 SH   DFND 1 6,900 0 0
Netflix Inc COM 64110L106 1,911 3,822 SH   DFND 1 3,822 0 0
Newmont Goldcorp Corp. COM 651639106 760 11,973 SH   DFND 1 11,973 0 0
NextEra Energy Inc COM 65339F101 1,599 5,760 SH   DFND 1 5,760 0 0
Nisource Inc. COM 65473P105 404 18,347 SH   DFND 1 18,347 0 0
Northrop Grumman Corp. COM 666807102 1,953 6,190 SH   DFND 1 6,190 0 0
Nutrien LTD COM 67077M108 414 10,546 SH   DFND 1 10,546 0 0
NVIDIA Corp. COM 67066G104 2,584 4,775 SH   DFND 1 4,775 0 0
Oracle Corp. COM 68389X105 710 11,898 SH   DFND 1 11,898 0 0
Otis Worlwide Corp COM 68902V107 282 4,517 SH   DFND 1 4,517 0 0
Palo Alto Networks Inc COM 697435105 460 1,880 SH   DFND 1 1,880 0 0
PayPal Holdings Inc COM 70450Y103 2,475 12,560 SH   DFND 1 12,560 0 0
Peloton Interactive Inc COM 70614W100 1,708 17,213 SH   DFND 1 17,213 0 0
PepsiCo, Inc. COM 713448108 1,653 11,943 SH   DFND 1 11,943 0 0
Pfizer, Inc. COM 717081103 1,767 48,146 SH   DFND 1 48,146 0 0
Philip Morris International In COM 718172109 229 3,055 SH   DFND 1 3,055 0 0
PNC Financial Services Group COM 693475105 993 9,032 SH   DFND 1 9,032 0 0
PPG Industries, Inc. COM 693506107 719 5,888 SH   DFND 1 5,888 0 0
PPL Corp. COM 69351T106 315 11,570 SH   DFND 1 11,570 0 0
Procter & Gamble Inc COM 742718109 2,545 18,313 SH   DFND 1 18,313 0 0
Prologis Trust COM 74340W103 1,190 11,825 SH   DFND 1 11,825 0 0
Prudential Financial, Inc. COM 744320102 292 4,597 SH   DFND 1 4,597 0 0
PTC Inc COM 69370C100 650 7,858 SH   DFND 1 7,858 0 0
Public Service Enterprise Grou COM 744573106 297 5,400 SH   DFND 1 5,400 0 0
Qualcomm Inc. COM 747525103 1,210 10,283 SH   DFND 1 10,283 0 0
Quest Diagnostics Inc COM 74834L100 303 2,650 SH   DFND 1 2,650 0 0
Raytheon Technologies Corp COM 75513E101 520 9,041 SH   DFND 1 9,041 0 0
Rexnord Corp COM 76169B102 386 12,935 SH   DFND 1 12,935 0 0
RingCentral Inc COM 76680R206 1,714 6,241 SH   DFND 1 6,241 0 0
Roper Technologies, Inc COM 776696106 703 1,780 SH   DFND 1 1,780 0 0
Sabra Health Care REIT Inc COM 78573L106 179 12,970 SH   DFND 1 12,970 0 0
Salesforce.com Inc COM 79466L302 1,955 7,780 SH   DFND 1 7,780 0 0
Schlumberger Ltd. COM 806857108 177 11,357 SH   DFND 1 11,357 0 0
Seagate Technology COM G7945M107 212 4,300 SH   DFND 1 4,300 0 0
Sealed Air Corp. COM 81211K100 239 6,160 SH   DFND 1 6,160 0 0
Sempra Energy COM 816851109 940 7,945 SH   DFND 1 7,945 0 0
Servicenow Inc COM 81762P102 2,010 4,144 SH   DFND 1 4,144 0 0
Southern Co. COM 842587107 888 16,375 SH   DFND 1 16,375 0 0
Splunk Inc COM 848637104 892 4,742 SH   DFND 1 4,742 0 0
Starbucks Corp. COM 855244109 1,007 11,720 SH   DFND 1 11,720 0 0
T Mobile US Inc COM 872590104 884 7,725 SH   DFND 1 7,725 0 0
Take-Two Interactive Software COM 874054109 639 3,870 SH   DFND 1 3,870 0 0
Target Corp. COM 87612E106 1,735 11,021 SH   DFND 1 11,021 0 0
TC Energy Corp COM 87807B107 370 8,808 SH   DFND 1 8,808 0 0
Texas Instruments COM 882508104 681 4,761 SH   DFND 1 4,761 0 0
The Travelers Companies, Inc. COM 89417E109 473 4,368 SH   DFND 1 4,368 0 0
Thermo Fisher Scientific Inc COM 883556102 2,623 5,941 SH   DFND 1 5,941 0 0
Tractor Supply Company COM 892356106 603 4,208 SH   DFND 1 4,208 0 0
Truist Financial Corp COM 89832Q109 360 9,458 SH   DFND 1 9,458 0 0
U.S. Bancorp COM 902973304 497 13,876 SH   DFND 1 13,876 0 0
Uber Technologies Inc COM 90353T100 563 15,435 SH   DFND 1 15,435 0 0
UDR Inc COM 902653104 342 10,482 SH   DFND 1 10,482 0 0
Ulta Beauty Inc COM 90384S303 523 2,335 SH   DFND 1 2,335 0 0
Union Pacific COM 907818108 1,652 8,392 SH   DFND 1 8,392 0 0
United Health Group Inc. COM 91324P102 2,037 6,535 SH   DFND 1 6,535 0 0
United Parcel Services Cl B COM 911312106 1,056 6,337 SH   DFND 1 6,337 0 0
Verizon Communications Inc COM 92343V104 1,782 29,955 SH   DFND 1 29,955 0 0
Vertex Pharmaceuticals Inc COM 92532F100 820 3,015 SH   DFND 1 3,015 0 0
Visa Inc COM 92826C839 2,752 13,760 SH   DFND 1 13,760 0 0
Vulcan Materials COM 929160109 236 1,738 SH   DFND 1 1,738 0 0
Walgreens Boots Alliance Inc COM 931427108 212 5,903 SH   DFND 1 5,903 0 0
Walmart Stores Inc COM 931142103 1,991 14,230 SH   DFND 1 14,230 0 0
Walt Disney Co. COM 254687106 2,485 20,025 SH   DFND 1 20,025 0 0
Wells Fargo Co. COM 949746101 598 25,433 SH   DFND 1 25,433 0 0
Welltower Inc COM 95040Q104 218 3,950 SH   DFND 1 3,950 0 0
Weyerhaeuser Co. COM 962166104 269 9,440 SH   DFND 1 9,440 0 0
Zoetis COM 98978V103 1,338 8,089 SH   DFND 1 8,089 0 0
Zscaler Inc COM 98980G102 672 4,778 SH   DFND 1 4,778 0 0