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
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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 COM 88579Y101 1,927 10,000 SH   OTR   0 0 10,000
Alibaba Group Holding Ltd COM 01609W102 214 943 SH   OTR   0 0 943
Alibaba Group Holding Ltd COM 01609W102 92 408 SH   OTR 1 0 0 408
Alphabet Inc - C Shares COM 02079K107 329 159 SH   OTR 1 0 0 159
Alphabet Inc - C Shares COM 02079K107 6 3 SH   SOLE   0 0 3
Amazon.com Inc COM 023135106 405 131 SH   OTR   0 0 131
Apple Computer, Inc. COM 037833100 2,256 18,466 SH   OTR   0 0 18,466
Bank of America COM 060505104 317 8,188 SH   OTR   0 0 8,188
Berkshire Hathaway Inc. C COM 084670702 8,676 33,962 SH   SOLE   0 0 33,962
Berkshire Hathaway Inc. C COM 084670702 545 2,133 SH   OTR 1 0 0 2,133
Berkshire Hills Bancorp I COM 084680107 720 32,245 SH   OTR   0 0 32,245
Blackstone Group LP ETF 09253U108 265 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100 4,207 25,561 SH   OTR   0 0 25,561
Chevron Texaco Corporatio COM 166764100 600 5,731 SH   OTR   0 0 5,731
CIE Financiere Richemon COM H25662943 228 2,360 SH   OTR 1 0 0 2,360
Citigroup COM 172967424 339 4,653 SH   SOLE   0 0 4,653
Coca Cola Co. COM 191216100 727 13,790 SH   SOLE   0 0 13,790
Collier Creek Holdings COM G22707106 372 15,000 SH   OTR   0 0 15,000
Dow Diamonds - SPDR Dow J ETF 78467X109 3,198 9,687 SH   SOLE   0 0 9,687
Emcor Group Inc COM 29084Q100 1,251 11,152 SH   OTR   0 0 11,152
Exxon Mobil Corp. COM 30231G102 1,451 25,990 SH   SOLE   0 0 25,990
Facebook, Inc COM 30303M102 412 1,400 SH   OTR   0 0 1,400
Financial Select Sector ETF 81369Y605 625 18,360 SH   SOLE   0 0 18,360
Ford Motor Company COM 345370860 216 17,601 SH   SOLE   0 0 17,601
General Electric Co. COM 369604103 426 32,431 SH   OTR   0 0 32,431
Goldman, Sachs & Co. COM 38141G104 508 1,555 SH   OTR   0 0 1,555
Health Care Select Sector ETF 81369Y209 233 2,000 SH   SOLE   0 0 2,000
Heineken Holding ORD EUR1 COM 423991959 228 2,552 SH   OTR 1 0 0 2,552
Intuit Inc COM 461202103 230 600 SH   OTR   0 0 600
iShares MSCI ACWI Ex US ETF 464288240 472 8,558 SH   SOLE   0 0 8,558
iShares MSCI Emerging Mar ETF 464287234 1,387 26,000 SH   SOLE   0 0 26,000
iShares MSCI Germany Inde ETF 464286806 206 6,147 SH   SOLE   0 0 6,147
iShares S&P 100 Index ETF 464287101 5,846 32,506 SH   SOLE   0 0 32,506
iShares S&P GSCI Commodit ETF 46428R107 559 40,000 SH   SOLE   0 0 40,000
iShares SC S&P 600 ETF 464287804 5,290 48,741 SH   SOLE   0 0 48,741
J.P. Morgan Chase COM 46625H100 5,673 37,265 SH   OTR   0 0 37,265
J.P. Morgan Chase COM 46625H100 198 1,300 SH   OTR 1 0 0 1,300
Lockheed Martin COM 539830109 335 907 SH   OTR   0 0 907
Market Vectors Gold Miner ETF 57060U100 910 28,000 SH   SOLE   0 0 28,000
Mastercard COM 57636Q104 428 1,201 SH   OTR 1 0 0 1,201
Microsoft Corp COM 594918104 1,340 5,685 SH   OTR   0 0 5,685
MSCI EAFE Index ETF 464287465 967 12,740 SH   SOLE   0 0 12,740
Nestle SA ADR COM 641069406 382 3,413 SH   OTR 1 0 0 3,413
Newmont Mining Corp COM 651639106 1,808 30,000 SH   SOLE   0 0 30,000
Paycom Software Inc COM 70432V102 925 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919 239 1,272 SH   OTR 1 0 0 1,272
Pfizer Inc COM 717081103 4,160 114,811 SH   SOLE   0 0 114,811
Phillip Morris Internatio COM 718172109 263 2,969 SH   OTR 1 0 0 2,969
Royal Dutch Shell PLC ADR COM 780259206 448 11,414 SH   OTR   0 0 11,414
S&P 500 Spiders ETF 78462F103 11,610 29,293 SH   SOLE   0 0 29,293
Shopify Inc COM 82509L107 221 200 SH   OTR   0 0 200
Short S&P 500 ProShares ETF 74347R503 302 18,000 SH   SOLE   0 0 18,000
Streettracks Gold Shares ETF 78463V107 5,913 36,963 SH   SOLE   0 0 36,963
Truist Financial Corp COM 89832Q109 414 7,097 SH   OTR   0 0 7,097
UBS AG Reg COM H89231338 167 10,750 SH   OTR   0 0 10,750
Unilever NV-NY shares COM 904767704 195 3,494 SH   OTR 1 0 0 3,494
Unilever NV-NY shares COM 904767704 144 2,579 SH   OTR   0 0 2,579
Vanguard Dividend Appreci ETF 921908844 16,450 111,842 SH   SOLE   0 0 111,842
Vanguard Emerging Markets ETF 922042858 6,286 120,761 SH   SOLE   0 0 120,761
Vanguard European Stock ETF 922042874 540 8,570 SH   SOLE   0 0 8,570
Vanguard Growth Vipers ETF 922908736 2,314 9,004 SH   SOLE   0 0 9,004
Vanguard High Div Yield ETF 921946406 541 5,355 SH   SOLE   0 0 5,355
Vanguard Int Div App Inde ETF 921946810 9,919 119,755 SH   SOLE   0 0 119,755
Vanguard Large Cap ETF 922908637 8,919 48,133 SH   SOLE   0 0 48,133
Vanguard Mega Cap Value ETF 921910840 20,411 214,398 SH   SOLE   0 0 214,398
Vanguard REIT Index ETF 922908553 433 4,710 SH   SOLE   0 0 4,710
Vanguard Value ETF 922908744 1,638 12,462 SH   SOLE   0 0 12,462
ViacomCBS Inc. - Class B COM 92556H206 451 10,000 SH   OTR   0 0 10,000
Walt Disney Co COM 254687106 441 2,391 SH   OTR   0 0 2,391
Wells Fargo & Co. COM 949746101 211 5,411 SH   OTR   0 0 5,411