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
Aether Global Innovations Corp COM 00810E109   2 70,000 SH   OTR   0 0 70,000
Alphabet Inc - A Shares COM 02079K305   22 120 SH   OTR   0 0 120
Alphabet Inc - A Shares COM 02079K305   259 1,425 SH   SOLE   0 0 1,425
Alphabet Inc - C Shares COM 02079K107   639 3,484 SH   SOLE   0 0 3,484
Alphabet Inc - C Shares COM 02079K107   632 3,448 SH   OTR 1 0 0 3,448
Amazon.com Inc COM 023135106   242 1,248 SH   SOLE   0 0 1,248
Amazon.com Inc COM 023135106   404 2,093 SH   OTR   0 0 2,093
Amex Technology Select Index ETF 81369Y803   3,277 14,485 SH   SOLE   0 0 14,485
Apple Computer, Inc. COM 037833100   3,710 17,615 SH   SOLE   0 0 17,615
Bank of America COM 060505104   710 17,842 SH   SOLE   0 0 17,842
Berkshire Hathaway Inc. Cl B COM 084670702   1,348 3,315 SH   SOLE   0 0 3,315
Berkshire Hathaway Inc. Cl B COM 084670702   868 2,133 SH   OTR 1 0 0 2,133
Berkshire Hills Bancorp Inc COM 084680107   735 32,245 SH   OTR   0 0 32,245
Blackstone Group LP ETF 09260D107   439 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100   4,664 11,509 SH   OTR   0 0 11,509
Centene Corp COM 15135B101   530 8,000 SH   OTR   0 0 8,000
Chevron Texaco Corporation COM 166764100   383 2,447 SH   OTR   0 0 2,447
Chevron Texaco Corporation COM 166764100   156 1,000 SH   SOLE   0 0 1,000
CIE Financiere Richemon COM H25662943   369 2,366 SH   OTR 1 0 0 2,366
Dow Diamonds - SPDR Dow Jones ETF 78467X109   31,794 81,288 SH   SOLE   0 0 81,288
Emcor Group Inc COM 29084Q100   9,044 24,773 SH   OTR   0 0 24,773
Encompass Health Corporation COM 29261A100   634 7,387 SH   OTR   0 0 7,387
Exxon Mobil Corp. COM 30231G102   940 8,168 SH   SOLE   0 0 8,168
Financial Select Sector ETF 81369Y605   413 10,035 SH   SOLE   0 0 10,035
Goldman, Sachs & Co. COM 38141G104   211 467 SH   SOLE   0 0 467
HCA Inc. COM 40412C101   561 1,745 SH   SOLE   0 0 1,745
Heineken Holding ORD EUR1.6 COM 423991959   349 4,417 SH   OTR 1 0 0 4,417
Hershey Foods Corp COM 427866108   230 1,250 SH   OTR   0 0 1,250
Hertz Global Holdings COM 42806J700   75 21,242 SH   OTR   0 0 21,242
Intuit Inc COM 461202103   394 600 SH   OTR   0 0 600
iShares MSCI Emerging Markets ETF 464287234   3,516 82,550 SH   SOLE   0 0 82,550
iShares S&P 100 Index ETF 464287101   26,298 99,502 SH   SOLE   0 0 99,502
iShares S&P 500 Value ETF 464287408   274 1,507 SH   SOLE   0 0 1,507
iShares SC S&P 600 ETF 464287804   12,935 121,276 SH   SOLE   0 0 121,276
iShares Silver Trust ETF 46428Q109   213 8,000 SH   SOLE   0 0 8,000
J.P. Morgan Chase COM 46625H100   1,572 7,771 SH   SOLE   0 0 7,771
J.P. Morgan Chase COM 46625H100   219 1,084 SH   OTR 1 0 0 1,084
Lockheed Martin COM 539830109   424 907 SH   OTR   0 0 907
Market Vectors Gold Miners ETF 92189F106   1,018 30,000 SH   SOLE   0 0 30,000
Martin Marietta Materials COM 573284106   7 13 SH   SOLE   0 0 13
Martin Marietta Materials COM 573284106   233 430 SH   OTR 1 0 0 430
Mastercard COM 57636Q104   424 962 SH   SOLE   0 0 962
Mastercard COM 57636Q104   440 997 SH   OTR 1 0 0 997
McDonald's Corp COM 580135101   4,968 19,496 SH   OTR   0 0 19,496
Meta Platforms Inc COM 30303M102   750 1,487 SH   OTR   0 0 1,487
Microsoft Corp COM 594918104   1,798 4,022 SH   SOLE   0 0 4,022
Microsoft Corp COM 594918104   1,832 4,100 SH   OTR   0 0 4,100
MSCI EAFE Index ETF 464287465   15,100 192,770 SH   SOLE   0 0 192,770
Nestle SA ADR COM 641069406   355 3,469 SH   OTR 1 0 0 3,469
Netfllix Inc COM 64110L106   5 7 SH   SOLE   0 0 7
Netfllix Inc COM 64110L106   295 437 SH   OTR 1 0 0 437
Newmont Mining Corp COM 651639106   578 13,800 SH   OTR   0 0 13,800
NVIDIA Corp COM 67066G104   233 1,890 SH   SOLE   0 0 1,890
NVIDIA Corp COM 67066G104   9 71 SH   OTR   0 0 71
Paycom Software Inc COM 70432V102   358 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919   253 1,861 SH   OTR 1 0 0 1,861
Pfizer Inc COM 717081103   921 32,934 SH   SOLE   0 0 32,934
Phillip Morris International COM 718172109   275 2,709 SH   OTR 1 0 0 2,709
PNC Financial Services Gr COM 693475105   1,780 11,450 SH   SOLE   0 0 11,450
S&P 500 Spiders ETF 78462F103   56,727 104,235 SH   SOLE   0 0 104,235
Salesforce.com COM 79466L302   258 1,005 SH   SOLE   0 0 1,005
Schwab US Dividend Equity ETF ETF 808524797   208 2,677 SH   SOLE   0 0 2,677
Sheldahl, Inc. COM 780259305   511 7,074 SH   SOLE   0 0 7,074
Truist Financial Corp COM 89832Q109   276 7,097 SH   OTR   0 0 7,097
Truist Financial Corp COM 89832Q109   194 5,000 SH   SOLE   0 0 5,000
UGI Corp. COM 902681105   215 9,400 SH   SOLE   0 0 9,400
Under Armour Inc - Class C COM 904311206   164 25,047 SH   OTR   0 0 25,047
United Health Group Inc. COM 91324P102   257 504 SH   OTR   0 0 504
Utz Brands, Inc. COM 918090101   1,964 118,038 SH   OTR   0 0 118,038
Vanguard Dividend Appreciation ETF 921908844   15,863 86,898 SH   SOLE   0 0 86,898
Vanguard Growth Vipers ETF 922908736   747 1,997 SH   SOLE   0 0 1,997
Vanguard High Div Yield ETF 921946406   16,182 136,438 SH   SOLE   0 0 136,438
Vanguard Int Div App Index ETF 921946810   4,058 49,928 SH   SOLE   0 0 49,928
Vanguard Large Cap ETF 922908637   1,271 5,093 SH   SOLE   0 0 5,093
Vanguard Mega Cap Value ETF 921910840   9,450 79,747 SH   SOLE   0 0 79,747
Vanguard S&P 500 ETF ETF 922908363   1,181 2,362 SH   SOLE   0 0 2,362
Workday Inc COM 98138H101   209 933 SH   OTR   0 0 933