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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Labs COM 002824100   22 200 SH   OTR   0 0 200
Abbott Labs COM 002824100   179 1,625 SH   SOLE   0 0 1,625
Aether Global Innovations Corp COM 00810E109   1 70,000 SH   OTR   0 0 70,000
Alphabet Inc - A Shares COM 02079K305   17 120 SH   SOLE   0 0 120
Alphabet Inc - A Shares COM 02079K305   189 1,355 SH   OTR   0 0 1,355
Alphabet Inc - C Shares COM 02079K107   491 3,484 SH   SOLE   0 0 3,484
Alphabet Inc - C Shares COM 02079K107   562 3,987 SH   OTR 1 0 0 3,987
Amazon.com Inc COM 023135106   309 2,028 SH   SOLE   0 0 2,028
Amazon.com Inc COM 023135106   199 1,313 SH   OTR   0 0 1,313
Apple Computer, Inc. COM 037833100   3,462 17,983 SH   SOLE   0 0 17,983
Bank of America COM 060505104   1,358 40,342 SH   SOLE   0 0 40,342
Berkshire Hathaway Inc. Cl B COM 084670702   1,761 4,938 SH   SOLE   0 0 4,938
Berkshire Hathaway Inc. Cl B COM 084670702   761 2,133 SH   OTR 1 0 0 2,133
Berkshire Hills Bancorp Inc COM 084680107   801 32,245 SH   OTR   0 0 32,245
Blackstone Group LP ETF 09260D107   465 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100   3,971 12,709 SH   OTR   0 0 12,709
Centene Corp COM 15135B101   594 8,000 SH   OTR   0 0 8,000
Chevron Texaco Corporation COM 166764100   361 2,417 SH   OTR   0 0 2,417
Chevron Texaco Corporation COM 166764100   149 1,000 SH   SOLE   0 0 1,000
CIE Financiere Richemon COM H25662943   313 2,278 SH   OTR 1 0 0 2,278
Dow Diamonds - SPDR Dow Jones ETF 78467X109   29,976 79,539 SH   SOLE   0 0 79,539
Emcor Group Inc COM 29084Q100   5,337 24,773 SH   OTR   0 0 24,773
Encompass Health Corporation COM 29261A100   493 7,387 SH   OTR   0 0 7,387
Exxon Mobil Corp. COM 30231G102   811 8,108 SH   SOLE   0 0 8,108
Financial Select Sector ETF 81369Y605   377 10,035 SH   SOLE   0 0 10,035
HCA Inc. COM 40412C101   1,713 6,329 SH   SOLE   0 0 6,329
Health Care Select Sector SPDR Fund ETF 81369Y209   273 2,000 SH   SOLE   0 0 2,000
Heineken Holding ORD EUR1.6 COM 423991959   320 3,776 SH   OTR 1 0 0 3,776
Hershey Foods Corp COM 427866108   233 1,250 SH   OTR   0 0 1,250
Hertz Global Holdings COM 42806J700   221 21,242 SH   OTR   0 0 21,242
Honeywell International I COM 438516106   276 1,316 SH   SOLE   0 0 1,316
Intuit Inc COM 461202103   375 600 SH   OTR   0 0 600
iShares MSCI Emerging Markets ETF 464287234   804 20,000 SH   SOLE   0 0 20,000
iShares S&P 100 Index ETF 464287101   7,626 34,136 SH   SOLE   0 0 34,136
iShares S&P 500 Value ETF 464287408   351 2,017 SH   SOLE   0 0 2,017
iShares SC S&P 600 ETF 464287804   12,696 117,284 SH   SOLE   0 0 117,284
J.P. Morgan Chase COM 46625H100   1,587 9,334 SH   SOLE   0 0 9,334
J.P. Morgan Chase COM 46625H100   197 1,156 SH   OTR 1 0 0 1,156
Johnson & Johnson COM 478160104   209 1,335 SH   SOLE   0 0 1,335
Lockheed Martin COM 539830109   411 907 SH   OTR   0 0 907
Market Vectors Gold Miners ETF 92189F106   930 30,000 SH   SOLE   0 0 30,000
Martin Marietta Materials COM 573284106   6 13 SH   SOLE   0 0 13
Martin Marietta Materials COM 573284106   215 430 SH   OTR 1 0 0 430
Mastercard COM 57636Q104   411 962 SH   SOLE   0 0 962
Mastercard COM 57636Q104   425 997 SH   OTR 1 0 0 997
McDonald's Corp COM 580135101   6,967 23,496 SH   OTR   0 0 23,496
Meta Platforms Inc COM 30303M102   526 1,487 SH   OTR   0 0 1,487
Microsoft Corp COM 594918104   1,625 4,322 SH   SOLE   0 0 4,322
Microsoft Corp COM 594918104   1,542 4,100 SH   OTR   0 0 4,100
MSCI EAFE Index ETF 464287465   13,416 178,048 SH   SOLE   0 0 178,048
Nestle SA ADR COM 641069406   396 3,425 SH   OTR 1 0 0 3,425
Netfllix Inc COM 64110L106   281 577 SH   OTR 1 0 0 577
Netfllix Inc COM 64110L106   3 7 SH   SOLE   0 0 7
Newmont Mining Corp COM 651639106   571 13,800 SH   OTR   0 0 13,800
Paycom Software Inc COM 70432V102   517 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919   240 1,361 SH   OTR 1 0 0 1,361
Pfizer Inc COM 717081103   1,101 38,249 SH   SOLE   0 0 38,249
Phillip Morris International COM 718172109   255 2,709 SH   OTR 1 0 0 2,709
PNC Financial Services Gr COM 693475105   1,773 11,450 SH   SOLE   0 0 11,450
S&P 500 Spiders ETF 78462F103   48,338 95,385 SH   SOLE   0 0 95,385
Salesforce.com COM 79466L302   265 1,005 SH   SOLE   0 0 1,005
Schwab US Dividend Equity ETF ETF 808524797   413 5,428 SH   SOLE   0 0 5,428
Sheldahl, Inc. COM 780259305   581 8,824 SH   SOLE   0 0 8,824
Tesla Motors, Inc COM 88160R101   211 850 SH   OTR   0 0 850
Truist Financial Corp COM 89832Q109   660 17,875 SH   SOLE   0 0 17,875
Truist Financial Corp COM 89832Q109   262 7,097 SH   OTR   0 0 7,097
UBS AG Reg COM H42097107   332 10,750 SH   SOLE   0 0 10,750
UGI Corp. COM 902681105   231 9,400 SH   OTR   0 0 9,400
Under Armour Inc - Class C COM 904311206   209 25,047 SH   OTR   0 0 25,047
United Health Group Inc. COM 91324P102   269 510 SH   OTR   0 0 510
Utz Brands, Inc. COM 918090101   3,135 193,038 SH   OTR   0 0 193,038
Vanguard Consumer Staple ETF 92204A207   4,566 23,910 SH   SOLE   0 0 23,910
Vanguard Dividend Appreciation ETF 921908844   10,807 63,422 SH   SOLE   0 0 63,422
Vanguard Growth Vipers ETF 922908736   9,189 29,558 SH   SOLE   0 0 29,558
Vanguard Int Div App Index ETF 921946810   3,623 45,660 SH   SOLE   0 0 45,660
Vanguard Large Cap ETF 922908637   1,112 5,098 SH   SOLE   0 0 5,098
Vanguard Mega Cap Value ETF 921910840   6,466 59,116 SH   SOLE   0 0 59,116
Vanguard S&P 500 ETF ETF 922908363   583 1,335 SH   SOLE   0 0 1,335
Workday Inc COM 98138H101   288 1,043 SH   OTR   0 0 1,043