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 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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Alphabet Inc - C Shares COM 02079K107   333 3,745 SH   OTR 1 0 0 3,745
Alphabet Inc - C Shares COM 02079K107   5 60 SH   SOLE   0 0 60
Apple Computer, Inc. COM 037833100   1,740 13,393 SH   OTR   0 0 13,393
Bank of America COM 060505104   273 8,251 SH   OTR   0 0 8,251
Berkshire Hathaway Inc. Cl B COM 084670702   1,591 5,151 SH   SOLE   0 0 5,151
Berkshire Hathaway Inc. Cl B COM 084670702   659 2,133 SH   OTR 1 0 0 2,133
Berkshire Hills Bancorp Inc COM 084680107   964 32,245 SH   OTR   0 0 32,245
Blackstone Group LP ETF 09260D107   263 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100   3,372 14,309 SH   OTR   0 0 14,309
Centene Corp COM 15135B101   656 8,000 SH   OTR   0 0 8,000
Chevron Texaco Corporation COM 166764100   434 2,417 SH   OTR   0 0 2,417
CIE Financiere Richemon COM H25662943   306 2,360 SH   OTR 1 0 0 2,360
Dow Diamonds - SPDR Dow Jones ETF 78467X109   3,534 10,667 SH   SOLE   0 0 10,667
Dow Jones Select Dividend Index Fund ETF 464287168   1,863 15,451 SH   SOLE   0 0 15,451
Emcor Group Inc COM 29084Q100   3,139 21,191 SH   OTR   0 0 21,191
Encompass Health Corporation COM 29261A100   1,040 17,387 SH   OTR   0 0 17,387
Exxon Mobil Corp. COM 30231G102   820 7,433 SH   SOLE   0 0 7,433
Financial Select Sector ETF 81369Y605   359 10,500 SH   SOLE   0 0 10,500
Goldman, Sachs & Co. COM 38141G104   266 776 SH   OTR   0 0 776
HCA Inc. COM 40412C101   3,380 14,084 SH   OTR   0 0 14,084
Health Care Select Sector SPDR Fund ETF 81369Y209   272 2,000 SH   SOLE   0 0 2,000
Heineken Holding ORD EUR1.6 COM 423991959   280 3,642 SH   OTR 1 0 0 3,642
Hershey Foods Corp COM 427866108   289 1,250 SH   OTR   0 0 1,250
Intuit Inc COM 461202103   234 600 SH   OTR   0 0 600
iShares MSCI USA Minimum Vol ETF 46429B697   4,094 56,783 SH   SOLE   0 0 56,783
iShares SC S&P 600 ETF 464287804   569 6,009 SH   SOLE   0 0 6,009
J.P. Morgan Chase COM 46625H100   993 7,404 SH   OTR   0 0 7,404
J.P. Morgan Chase COM 46625H100   128 956 SH   OTR 1 0 0 956
Lockheed Martin COM 539830109   441 907 SH   OTR   0 0 907
Market Vectors Gold Miners ETF 92189F106   860 30,000 SH   SOLE   0 0 30,000
Mastercard COM 57636Q104   347 997 SH   OTR 1 0 0 997
Microsoft Corp COM 594918104   1,315 5,485 SH   OTR   0 0 5,485
MSCI EAFE Index ETF 464287465   677 10,305 SH   SOLE   0 0 10,305
Nestle SA ADR COM 641069406   395 3,425 SH   OTR 1 0 0 3,425
Newmont Mining Corp COM 651639106   463 9,800 SH   SOLE   0 0 9,800
Paycom Software Inc COM 70432V102   776 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919   259 1,322 SH   OTR 1 0 0 1,322
Pfizer Inc COM 717081103   1,933 37,724 SH   SOLE   0 0 37,724
Phillip Morris International COM 718172109   274 2,709 SH   OTR 1 0 0 2,709
Plymouth Rock Technologies Inc COM 730020104   1 70,000 SH   OTR   0 0 70,000
S&P 500 Spiders ETF 78462F103   12,829 33,547 SH   SOLE   0 0 33,547
Schwab US Dividend Equity ETF ETF 808524797   5,149 68,157 SH   SOLE   0 0 68,157
Sheldahl, Inc. COM 780259305   503 8,824 SH   SOLE   0 0 8,824
Short S&P 500 ProShares ETF SHORT 74347B425   802 50,000 SH   SOLE   0 0 50,000
Truist Financial Corp COM 89832Q109   305 7,097 SH   OTR   0 0 7,097
UBS AG Reg COM H42097107   201 10,750 SH   OTR   0 0 10,750
Under Armour Inc - Class C COM 904311206   224 25,047 SH   OTR   0 0 25,047
Unilever NV-NY shares COM 904767704   136 2,699 SH   OTR 1 0 0 2,699
Unilever NV-NY shares COM 904767704   118 2,334 SH   OTR   0 0 2,334
United Health Group Inc. COM 91324P102   239 450 SH   OTR   0 0 450
Utz Brands, Inc. COM 918090101   3,062 193,038 SH   OTR   0 0 193,038
Vanguard Consumer Staple ETF 92204A207   4,024 21,005 SH   SOLE   0 0 21,005
Vanguard Dividend Appreciation ETF 921908844   5,601 36,886 SH   SOLE   0 0 36,886
Vanguard Growth Vipers ETF 922908736   477 2,237 SH   SOLE   0 0 2,237
Vanguard High Div Yield ETF 921946406   447 4,129 SH   SOLE   0 0 4,129
Vanguard Int Div App Index ETF 921946810   871 12,511 SH   SOLE   0 0 12,511
Vanguard Large Cap ETF 922908637   2,706 15,535 SH   SOLE   0 0 15,535
Vanguard Mega Cap Value ETF 921910840   5,910 57,465 SH   SOLE   0 0 57,465