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
Alphabet Inc - A Shares COM 02079K305 189 65 SH   SOLE   0 0 65
Alphabet Inc - A Shares COM 02079K305 75 26 SH   OTR   0 0 26
Alphabet Inc - C Shares COM 02079K107 422 146 SH   OTR 1 0 0 146
Alphabet Inc - C Shares COM 02079K107 9 3 SH   SOLE   0 0 3
Amazon.com Inc COM 023135106 370 111 SH   OTR   0 0 111
Apple Computer, Inc. COM 037833100 3,275 18,442 SH   OTR   0 0 18,442
Bank of America COM 060505104 365 8,199 SH   OTR   0 0 8,199
Berkshire Hathaway Inc. C COM 084670702 7,841 26,226 SH   SOLE   0 0 26,226
Berkshire Hathaway Inc. C COM 084670702 638 2,133 SH   OTR 1 0 0 2,133
Berkshire Hills Bancorp I COM 084680107 917 32,245 SH   OTR   0 0 32,245
Blackstone Group LP ETF 09253U108 459 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100 3,829 15,432 SH   OTR   0 0 15,432
Caterpillar, Inc. COM 149123101 470 2,272 SH   OTR   0 0 2,272
Chevron Texaco Corporatio COM 166764100 673 5,731 SH   OTR   0 0 5,731
CIE Financiere Richemon COM H25662943 354 2,360 SH   OTR 1 0 0 2,360
Citigroup COM 172967424 329 5,453 SH   SOLE   0 0 5,453
Collier Creek Holdings COM G22707106 319 20,000 SH   OTR   0 0 20,000
Dow Diamonds - SPDR Dow J ETF 78467X109 7,217 19,863 SH   SOLE   0 0 19,863
Emcor Group Inc COM 29084Q100 2,156 16,924 SH   OTR   0 0 16,924
Encompass Health Corporat COM 421924309 3,256 49,887 SH   OTR   0 0 49,887
Exxon Mobil Corp. COM 30231G102 1,151 18,812 SH   SOLE   0 0 18,812
Facebook, Inc COM 30303M102 404 1,200 SH   OTR   0 0 1,200
Financial Select Sector ETF 81369Y605 540 13,822 SH   SOLE   0 0 13,822
Goldman, Sachs & Co. COM 38141G104 293 765 SH   OTR   0 0 765
HCA Inc. COM 40412C101 217 846 SH   OTR   0 0 846
Health Care Select Sector ETF 81369Y209 282 2,000 SH   SOLE   0 0 2,000
Heineken Holding ORD EUR1 COM 423991959 279 3,027 SH   OTR 1 0 0 3,027
Hershey Foods Corp COM 427866108 242 1,250 SH   OTR   0 0 1,250
Intuit Inc COM 461202103 386 600 SH   OTR   0 0 600
iShares MSCI ACWI Ex US ETF 464288240 625 11,245 SH   SOLE   0 0 11,245
iShares S&P 100 Index ETF 464287101 3,545 16,175 SH   SOLE   0 0 16,175
iShares S&P GSCI Commodit ETF 46428R107 3,472 202,928 SH   SOLE   0 0 202,928
iShares SC S&P 600 ETF 464287804 808 7,059 SH   SOLE   0 0 7,059
J.P. Morgan Chase COM 46625H100 3,141 19,836 SH   OTR   0 0 19,836
J.P. Morgan Chase COM 46625H100 166 1,047 SH   OTR 1 0 0 1,047
Lockheed Martin COM 539830109 322 907 SH   OTR   0 0 907
Market Vectors Gold Miner ETF 57060U100 961 30,000 SH   SOLE   0 0 30,000
Mastercard COM 57636Q104 393 1,093 SH   OTR 1 0 0 1,093
Microsoft Corp COM 594918104 1,912 5,685 SH   OTR   0 0 5,685
MSCI EAFE Index ETF 464287465 217 2,760 SH   SOLE   0 0 2,760
Nestle SA ADR COM 641069406 479 3,413 SH   OTR 1 0 0 3,413
Paycom Software Inc COM 70432V102 1,038 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919 297 1,236 SH   OTR 1 0 0 1,236
Pfizer Inc COM 717081103 7,689 130,212 SH   SOLE   0 0 130,212
Phillip Morris Internatio COM 718172109 266 2,804 SH   OTR 1 0 0 2,804
Plymouth Rock Technologie COM 730020104 13 70,000 SH   OTR   0 0 70,000
Royal Dutch Shell PLC ADR COM 780259206 495 11,414 SH   OTR   0 0 11,414
S&P 500 Spiders ETF 78462F103 18,912 39,819 SH   SOLE   0 0 39,819
Schwab US Dividend Equity ETF 808524797 4,022 49,764 SH   SOLE   0 0 49,764
Shopify Inc COM 82509L107 275 200 SH   OTR   0 0 200
Short S&P 500 ProShares ETF SHORT 74347R503 245 18,000 SH   SOLE   0 0 18,000
Streettracks Gold Shares ETF 78463V107 3,596 21,034 SH   SOLE   0 0 21,034
Tesla Motors, Inc COM 88160R101 264 250 SH   OTR   0 0 250
Truist Financial Corp COM 89832Q109 416 7,097 SH   OTR   0 0 7,097
UBS AG Reg COM H89231338 192 10,750 SH   OTR   0 0 10,750
Unilever NV-NY shares COM 904767704 133 2,469 SH   OTR   0 0 2,469
Unilever NV-NY shares COM 904767704 174 3,235 SH   OTR 1 0 0 3,235
United Health Group Inc. COM 91324P102 226 450 SH   OTR   0 0 450
Vanguard Dividend Appreci ETF 921908844 10,137 59,019 SH   SOLE   0 0 59,019
Vanguard Emerging Markets ETF 922042858 270 5,456 SH   SOLE   0 0 5,456
Vanguard European Stock ETF 922042874 531 7,788 SH   SOLE   0 0 7,788
Vanguard Growth Vipers ETF 922908736 1,159 3,612 SH   SOLE   0 0 3,612
Vanguard High Div Yield ETF 921946406 538 4,796 SH   SOLE   0 0 4,796
Vanguard Int Div App Inde ETF 921946810 10,020 117,298 SH   SOLE   0 0 117,298
Vanguard Large Cap ETF 922908637 7,870 35,608 SH   SOLE   0 0 35,608
Vanguard Mega Cap Value ETF 921910840 21,362 199,981 SH   SOLE   0 0 199,981
Vanguard REIT Index ETF 922908553 5,644 48,650 SH   SOLE   0 0 48,650
Vanguard Value ETF 922908744 1,467 9,972 SH   SOLE   0 0 9,972
ViacomCBS Inc. - Class B COM 92556H206 302 10,000 SH   OTR   0 0 10,000
Walt Disney Co COM 254687106 370 2,391 SH   OTR   0 0 2,391
Wells Fargo & Co. COM 949746101 224 4,661 SH   OTR   0 0 4,661