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 - C Shares COM 02079K107 357 163 SH   OTR 1 0 0 163
Alphabet Inc - C Shares COM 02079K107 6 3 SH   SOLE   0 0 3
Amazon.com Inc COM 023135106 210 1,980 SH   OTR   0 0 1,980
Apple Computer, Inc. COM 037833100 2,468 18,053 SH   OTR   0 0 18,053
Bank of America COM 060505104 256 8,235 SH   OTR   0 0 8,235
Berkshire Hathaway Inc. Cl B COM 084670702 1,762 6,451 SH   SOLE   0 0 6,451
Berkshire Hathaway Inc. Cl B COM 084670702 582 2,133 SH   OTR 1 0 0 2,133
Berkshire Hills Bancorp Inc COM 084680107 799 32,245 SH   OTR   0 0 32,245
Blackstone Group LP EFT 09260D107 324 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100 3,414 14,309 SH   OTR   0 0 14,309
Caterpillar, Inc. COM 149123101 528 272 SH   OTR   0 0 272
Caterpillar, Inc. COM 149123101 271 4,200 SH   SOLE   0 0 4,200
Centene Corp COM 15135B101 507 5,994 SH   OTR   0 0 5,994
Chevron Texaco Corporation COM 166764100 344 2,377 SH   OTR   0 0 2,377
CIE Financiere Richemon COM H25662943 251 2,360 SH   OTR 1 0 0 2,360
Citigroup COM 172967424 370 8,040 SH   SOLE   0 0 8,040
Dow Diamonds - SPDR Dow Jones ETF 78467X109 2,048 6,654 SH   SOLE   0 0 6,654
Dow Jones Select Dividend Index Fund ETF 464287168 3,789 32,198 SH   SOLE   0 0 32,198
Emcor Group Inc COM 29084Q100 2,182 21,191 SH   OTR   0 0 21,191
Encompass Health Corporation COM 29261A100 1,535 27,387 SH   OTR   0 0 27,387
Exxon Mobil Corp. COM 30231G102 637 7,433 SH   SOLE   0 0 7,433
Financial Select Sector ETF 81369Y605 427 13,562 SH   SOLE   0 0 13,562
Goldman, Sachs & Co. COM 38141G104 230 776 SH   OTR   0 0 776
HCA Inc. COM 40412C101 1,646 9,794 SH   OTR   0 0 9,794
Health Care Select Sector SPDR Fund ETF 81369Y209 256 2,000 SH   SOLE   0 0 2,000
Heineken Holding ORD EUR1.6 COM 423991959 250 3,438 SH   OTR 1 0 0 3,438
Hershey Foods Corp COM 427866108 269 1,250 SH   OTR   0 0 1,250
Intuit Inc COM 461202103 231 600 SH   OTR   0 0 600
iShares MSCI ACWI Ex US ETF 464288240 548 12,185 SH   SOLE   0 0 12,185
iShares MSCI USA Minimum Vol ETF 46429B697 3,706 52,778 SH   SOLE   0 0 52,778
iShares S&P GSCI Commodity-Indexed Trust ETF 46428R107 2,749 119,004 SH   SOLE   0 0 119,004
iShares SC S&P 600 ETF 464287804 230 2,484 SH   SOLE   0 0 2,484
J.P. Morgan Chase COM 46625H100 887 7,877 SH   OTR   0 0 7,877
J.P. Morgan Chase COM 46625H100 108 956 SH   OTR 1 0 0 956
Lockheed Martin COM 539830109 390 907 SH   OTR   0 0 907
Market Vectors Gold Miners ETF 92189F106 821 30,000 SH   SOLE   0 0 30,000
Mastercard COM 57636Q104 320 1,013 SH   OTR 1 0 0 1,013
Microsoft Corp COM 594918104 1,409 5,485 SH   OTR   0 0 5,485
Nestle SA ADR COM 641069406 407 3,500 SH   OTR 1 0 0 3,500
Paycom Software Inc COM 70432V102 700 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919 231 1,260 SH   OTR 1 0 0 1,260
Pfizer Inc COM 717081103 1,978 37,724 SH   SOLE   0 0 37,724
Phillip Morris International COM 718172109 277 2,804 SH   OTR 1 0 0 2,804
Plymouth Rock Technologies Inc COM 730020104 5 70,000 SH   OTR   0 0 70,000
S&P 500 Spiders ETF 78462F103 11,936 31,640 SH   SOLE   0 0 31,640
Schwab US Dividend Equity ETF ETF 808524797 6,470 90,320 SH   SOLE   0 0 90,320
Sheldahl, Inc. COM 780259305 461 8,824 SH   SOLE   0 0 8,824
Short S&P 500 ProShares ETF SHORT 74347B425 2,937 178,000 SH   SOLE   0 0 178,000
Streettracks Gold Shares ETF 78463V107 1,667 9,897 SH   SOLE   0 0 9,897
Truist Financial Corp COM 89832Q109 386 8,133 SH   OTR   0 0 8,133
UBS AG Reg COM H42097107 174 10,750 SH   OTR   0 0 10,750
Under Armour Inc - Class C COM 904311206 190 25,047 SH   OTR   0 0 25,047
Unilever NV-NY shares COM 904767704 133 2,890 SH   OTR 1 0 0 2,890
Unilever NV-NY shares COM 904767704 113 2,469 SH   OTR   0 0 2,469
United Health Group Inc. COM 91324P102 231 450 SH   OTR   0 0 450
Utz Brands, Inc. COM 918090101 2,668 193,038 SH   OTR   0 0 193,038
Vanguard Dividend Appreciation ETF 921908844 5,843 40,727 SH   SOLE   0 0 40,727
Vanguard Growth Vipers ETF 922908736 805 3,612 SH   SOLE   0 0 3,612
Vanguard High Div Yield ETF 921946406 482 4,738 SH   SOLE   0 0 4,738
Vanguard Int Div App Index ETF 921946810 3,307 48,192 SH   SOLE   0 0 48,192
Vanguard Large Cap ETF 922908637 3,865 22,424 SH   SOLE   0 0 22,424
Vanguard Mega Cap Value ETF 921910840 8,297 86,269 SH   SOLE   0 0 86,269
Vanguard REIT Index ETF 922908553 1,627 17,860 SH   SOLE   0 0 17,860
Vanguard Value ETF 922908744 427 3,240 SH   SOLE   0 0 3,240
Walt Disney Co COM 254687106 226 2,391 SH   OTR   0 0 2,391