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
Estimated average burden
hours per response: 23.8
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
3M COMPANY COM 88579y101 907 5,233 SH   SOLE   4,743 0 490
3M COMPANY COM 88579y101 569 3,282 SH   OTR   1,300 0 1,982
ABBOTT LABORATORIES COM 002824100 963 11,448 SH   SOLE   10,373 0 1,075
ABBOTT LABORATORIES COM 002824100 101 1,200 SH   OTR   0 0 1,200
ABBVIE INC. COM 00287Y109 1,054 14,493 SH   SOLE   13,318 0 1,175
ABBVIE INC. COM 00287Y109 159 2,193 SH   OTR   843 0 1,350
AFLAC INC COM COM 001055102 800 14,600 SH   SOLE   13,350 0 1,250
AFLAC INC COM COM 001055102 570 10,400 SH   OTR   7,000 0 3,400
ALPHABET INC CLASS A COM 02079K305 2,137 1,974 SH   SOLE   1,902 0 72
ALPHABET INC CLASS A COM 02079K305 303 280 SH   OTR   150 0 130
AMERCO COM 023586100 738 1,950 SH   SOLE   1,950 0 0
AMERCO COM 023586100 36 95 SH   OTR   95 0 0
AMGEN INC COM 031162100 4,105 22,275 SH   SOLE   20,655 0 1,620
AMGEN INC COM 031162100 466 2,530 SH   OTR   1,825 0 705
APPLE COMPUTER INC COM COM 037833100 7,210 36,429 SH   SOLE   33,719 0 2,710
APPLE COMPUTER INC COM COM 037833100 1,190 6,013 SH   OTR   3,700 0 2,313
AQUA AMERICA INC COM 03836w103 673 16,256 SH   SOLE   16,256 0 0
AQUA AMERICA INC COM 03836w103 50 1,214 SH   OTR   1,214 0 0
ASHFORD INC COM 044104107 302 9,511 SH   SOLE   9,511 0 0
ASPEN GROUP INC COM 04530L203 494 130,000 SH   SOLE   130,000 0 0
AT&T INC COM COM 00206R102 105 3,121 SH   SOLE   3,121 0 0
AT&T INC COM COM 00206R102 158 4,706 SH   OTR   3,676 0 1,030
AUTOMATIC DATA PROCESS COM COM 053015103 2,042 12,351 SH   SOLE   11,001 0 1,350
AUTOMATIC DATA PROCESS COM COM 053015103 1,149 6,950 SH   OTR   3,900 0 3,050
AXON ENTERPRISE INC COM 05464C101 803 12,500 SH   SOLE   12,500 0 0
B & M EUROPEAN VAL COM 05590y100 740 43,461 SH   SOLE   43,461 0 0
BECTON DICKINSON & CO COM COM 075887109 3,994 15,850 SH   SOLE   14,615 0 1,235
BECTON DICKINSON & CO COM COM 075887109 723 2,870 SH   OTR   1,850 0 1,020
BERKSHIRE HATHAWAY INC CL B COM 084670702 5,100 23,923 SH   SOLE   22,273 0 1,650
BERKSHIRE HATHAWAY INC CL B COM 084670702 1,769 8,300 SH   OTR   5,000 0 3,300
BEST BUY CO COM 086516101 3,889 55,770 SH   SOLE   52,045 0 3,725
BEST BUY CO COM 086516101 69 990 SH   OTR   0 0 990
BIG LOTS INC COM COM 089302103 558 19,500 SH   SOLE   19,500 0 0
BOEING CO COM 097023105 3,081 8,464 SH   SOLE   7,781 0 683
BOEING CO COM 097023105 137 375 SH   OTR   50 0 325
BOOKING HOLDINGS INC. COM 09857l108 3,800 2,027 SH   SOLE   1,872 0 155
BOOKING HOLDINGS INC. COM 09857l108 351 187 SH   OTR   90 0 97
BROADRIDGE FINL SOLUTI COM COM 11133T103 3,386 26,517 SH   SOLE   24,697 0 1,820
BROADRIDGE FINL SOLUTI COM COM 11133T103 294 2,300 SH   OTR   1,600 0 700
CARGURUS INC COM 141788109 556 15,400 SH   SOLE   15,400 0 0
CHEVRONTEXACO CORP COM 166764100 1,156 9,292 SH   SOLE   8,742 0 550
CHEVRONTEXACO CORP COM 166764100 616 4,950 SH   OTR   3,000 0 1,950
CISCO SYS INC COM COM 17275R102 6,670 121,875 SH   SOLE   112,500 0 9,375
CISCO SYS INC COM COM 17275R102 826 15,090 SH   OTR   9,800 0 5,290
COCA COLA CO COM 191216100 1,183 23,226 SH   SOLE   22,627 0 600
COCA COLA CO COM 191216100 440 8,634 SH   OTR   6,500 0 2,134
COGNIZANT TECHNOLOGY SOLUTIONS COM 192446102 49 775 SH   SOLE   775 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COM 192446102 311 4,900 SH   OTR   3,900 0 1,000
COLGATE PALMOLIVE CO COM COM 194162103 305 4,250 SH   SOLE   4,250 0 0
COLGATE PALMOLIVE CO COM COM 194162103 305 4,250 SH   OTR   4,250 0 0
COMCAST CORP NEW CL A COM 20030N101 12 280 SH   SOLE   280 0 0
COMCAST CORP NEW CL A COM 20030N101 653 15,450 SH   OTR   12,300 0 3,150
COSTCO WHSL CORP NEW COM COM 22160K105 1,056 3,995 SH   OTR   2,895 0 1,100
CUMMINS INC COM COM 231021106 2,425 14,155 SH   SOLE   13,290 0 865
CUMMINS INC COM COM 231021106 80 465 SH   OTR   200 0 265
DANAHER CORP DEL COM COM 235851102 5,433 38,013 SH   SOLE   34,762 0 3,251
DANAHER CORP DEL COM COM 235851102 485 3,391 SH   OTR   1,934 0 1,457
DASEKE INC COM 23753F107 133 37,000 SH   SOLE   37,000 0 0
DBA CHUBB LIMITED COM H1467J104 29 200 SH   SOLE   200 0 0
DBA CHUBB LIMITED COM H1467J104 204 1,385 SH   OTR   785 0 600
DIGITAL REALTY TRUST INC COM 253868103 3,052 25,912 SH   SOLE   23,182 0 2,730
DIGITAL REALTY TRUST INC COM 253868103 244 2,075 SH   OTR   1,425 0 650
DISCOVER FINL SVCS COM 254709108 3,637 46,872 SH   SOLE   42,612 0 4,260
DISCOVER FINL SVCS COM 254709108 31 400 SH   OTR   400 0 0
DISNEY WALT CO DEL (HOLDING C COM 254687106 3,757 26,905 SH   SOLE   24,905 0 2,000
DISNEY WALT CO DEL (HOLDING C COM 254687106 40 290 SH   OTR   250 0 40
DOLLAR TREE INC COM 256746108 4,432 41,270 SH   SOLE   38,145 0 3,125
DOLLAR TREE INC COM 256746108 58 540 SH   OTR   0 0 540
EBAY INC COM COM 278642103 2 58 SH   SOLE   58 0 0
EBAY INC COM COM 278642103 257 6,500 SH   OTR   5,600 0 900
ECHOSTAR CORP COM 278768106 2,213 49,925 SH   SOLE   44,925 0 5,000
ECOLAB INC COM COM 278865100 4,366 22,115 SH   SOLE   20,080 0 2,035
ECOLAB INC COM COM 278865100 1,145 5,800 SH   OTR   3,400 0 2,400
EMERSON ELEC CO COM 291011104 1,786 26,773 SH   SOLE   25,228 0 1,545
EMERSON ELEC CO COM 291011104 334 5,000 SH   OTR   1,500 0 3,500
EOG RES INC COM COM 26875P101 3,283 35,243 SH   SOLE   33,053 0 2,190
EOG RES INC COM COM 26875P101 97 1,045 SH   OTR   0 0 1,045
EXXON MOBIL CORP COM 30231G102 628 8,191 SH   SOLE   8,191 0 0
EXXON MOBIL CORP COM 30231G102 350 4,568 SH   OTR   3,195 0 1,373
FEDEX CORP COM COM 31428X106 3,177 19,347 SH   SOLE   17,920 0 1,427
FEDEX CORP COM COM 31428X106 78 475 SH   OTR   125 0 350
FORTIVE CORPORATION COM 34959j108 2,772 34,009 SH   SOLE   31,357 0 2,652
FORTIVE CORPORATION COM 34959j108 177 2,176 SH   OTR   1,208 0 968
GCI LIBERTY CL A COM 36164V305 738 12,000 SH   SOLE   12,000 0 0
GENERAL MILLS INC COM COM 370334104 329 6,260 SH   SOLE   5,960 0 300
GRAINGER W W INC COM COM 384802104 436 1,625 SH   OTR   1,275 0 350
HEALTHEQUITY INC COM 42226A107 222 3,400 SH   OTR   0 0 3,400
HERSHEY FOODS CORP COM 427866108 295 2,200 SH   SOLE   2,200 0 0
HOSTESS BRANDS INC COM 44109J106 144 10,000 SH   SOLE   10,000 0 0
INTERNATIONAL BUS MACH COM 459200101 203 1,471 SH   SOLE   1,417 0 54
INTERNATIONAL BUS MACH COM 459200101 41 300 SH   OTR   0 0 300
J P MORGAN CHASE & CO COM COM 46625H100 596 5,335 SH   SOLE   5,335 0 0
J P MORGAN CHASE & CO COM COM 46625H100 151 1,350 SH   OTR   0 0 1,350
JOHNSON & JOHNSON COM 478160104 4,510 32,379 SH   SOLE   29,774 0 2,605
JOHNSON & JOHNSON COM 478160104 481 3,450 SH   OTR   1,700 0 1,750
KONINKLIJKE BOSKAL COM 78012m103 624 96,200 SH   SOLE   96,200 0 0
LIBERTY LATIN AMERICA LTD COM g9001e102 603 35,000 SH   SOLE   35,000 0 0
LINDE PLC ORDINARY SHARE COM g5494j103 904 4,501 SH   OTR   3,976 0 525
MEDTRONIC PLC COM G5960L103 1,066 10,950 SH   SOLE   10,200 0 750
MEDTRONIC PLC COM G5960L103 49 500 SH   OTR   300 0 200
MERCK & CO NEW COM 58933Y105 318 3,795 SH   SOLE   3,795 0 0
MERCK & CO NEW COM 58933Y105 184 2,200 SH   OTR   0 0 2,200
MICROSOFT CORP COM 594918104 972 7,255 SH   SOLE   6,410 0 845
MICROSOFT CORP COM 594918104 322 2,400 SH   OTR   0 0 2,400
MILLICOM INTL CELLULAR COM L6388F110 613 11,000 SH   SOLE   11,000 0 0
NEXTERA ENERGY INC COM 65339F101 4,165 20,330 SH   SOLE   19,305 0 1,025
NEXTERA ENERGY INC COM 65339F101 681 3,325 SH   OTR   1,550 0 1,775
NORFOLK SOUTHERN COM 655844108 380 1,905 SH   SOLE   1,635 0 270
NORTHERN TRUST COMPANY COM 665859104 3,720 41,330 SH   SOLE   38,470 0 2,860
NORTHERN TRUST COMPANY COM 665859104 189 2,095 SH   OTR   0 0 2,095
NOVARTIS A G SPONSORED ADR COM 66987V109 509 5,574 SH   OTR   4,481 0 1,093
NUTRIEN LTD COM 67077M108 4,032 75,415 SH   SOLE   69,315 0 6,100
NUTRIEN LTD COM 67077M108 58 1,090 SH   OTR   0 0 1,090
PAYPAL HOLDINGS, INC. COM 70450Y103 14 120 SH   SOLE   120 0 0
PAYPAL HOLDINGS, INC. COM 70450Y103 741 6,475 SH   OTR   5,575 0 900
PEPSICO INC COM 713448108 112 855 SH   SOLE   855 0 0
PEPSICO INC COM 713448108 131 1,000 SH   OTR   0 0 1,000
PFIZER INC COM 717081103 187 4,322 SH   SOLE   3,772 0 550
PFIZER INC COM 717081103 121 2,802 SH   OTR   0 0 2,802
PROCTER & GAMBLE CO COM 742718109 117 1,064 SH   SOLE   1,064 0 0
PROCTER & GAMBLE CO COM 742718109 115 1,050 SH   OTR   950 0 100
PUBLIC SVC ENTERPRISE COM 744573106 248 4,210 SH   SOLE   4,210 0 0
QUAKER CHEMICAL COM 747316107 841 4,147 SH   SOLE   4,147 0 0
S&P GLOBAL INC COM COM 78409V104 4,853 21,307 SH   SOLE   19,547 0 1,760
S&P GLOBAL INC COM COM 78409V104 528 2,320 SH   OTR   900 0 1,420
SCHLUMBERGER COM 806857108 1,743 43,860 SH   SOLE   39,910 0 3,950
SCHLUMBERGER COM 806857108 25 625 SH   OTR   0 0 625
SHERWIN WILLIAMS COM 824348106 412 900 SH   SOLE   690 0 210
SHERWIN WILLIAMS COM 824348106 121 265 SH   OTR   0 0 265
SOUTHERN CO COM COM 842587107 203 3,669 SH   SOLE   2,844 0 825
SOUTHERN CO COM COM 842587107 171 3,100 SH   OTR   1,000 0 2,100
SYSCO CORP COM 871829107 840 11,872 SH   SOLE   11,572 0 300
SYSCO CORP COM 871829107 594 8,401 SH   OTR   3,289 0 5,112
TANGER FACTORY OUTLET CENTERS COM 875465106 2,946 181,710 SH   SOLE   170,940 0 10,770
TANGER FACTORY OUTLET CENTERS COM 875465106 145 8,975 SH   OTR   2,700 0 6,275
THEWORKS.CO.UK COM G9541C103 151 200,000 SH   SOLE   200,000 0 0
TOTAL FINA ELF S A SPONSORED A COM 89151E109 3,560 63,805 SH   SOLE   58,230 0 5,575
TOTAL FINA ELF S A SPONSORED A COM 89151E109 21 375 SH   OTR   0 0 375
TRIPADVISOR COM 896945201 625 13,500 SH   SOLE   13,500 0 0
TRUPANION INC COM 898202106 795 22,000 SH   SOLE   22,000 0 0
ULTA SALON COSM & FRAG COM COM 90384S303 4,805 13,853 SH   SOLE   12,893 0 960
ULTA SALON COSM & FRAG COM COM 90384S303 506 1,460 SH   OTR   950 0 510
UNION PACIFIC CORP COM 907818108 4,293 25,389 SH   SOLE   23,657 0 1,732
UNION PACIFIC CORP COM 907818108 1,064 6,290 SH   OTR   4,275 0 2,015
V F CORP COM COM 918204108 463 5,300 SH   SOLE   5,300 0 0
V F CORP COM COM 918204108 109 1,250 SH   OTR   0 0 1,250
VAIL RESORTS COM 91879Q109 725 3,250 SH   SOLE   3,250 0 0
VERIZON COMMUNICAT COM 92343v104 253 4,430 SH   SOLE   4,430 0 0
VERIZON COMMUNICAT COM 92343v104 20 355 SH   OTR   0 0 355
WAL-MART STORES COM 931142103 3,441 31,145 SH   SOLE   28,495 0 2,650
WAL-MART STORES COM 931142103 168 1,520 SH   OTR   0 0 1,520
WASTE MGMT INC DEL COM COM 94106L109 946 8,200 SH   OTR   6,200 0 2,000
WIZZ AIR HLDGS PLC COM g96871101 568 13,257 SH   SOLE   13,257 0 0
XCEL ENERGY INC COM COM 98389B100 725 12,185 SH   SOLE   10,485 0 1,700
YATRA ONLINE INC COM G98338109 546 146,000 SH   SOLE   146,000 0 0
ZUORA CL A COM 98983V106 484 31,600 SH   SOLE   31,600 0 0
ISHARES CORE S&P 500 COM 464287200 910 3,086 SH   SOLE   3,086 0 0
ISHARES CORE S&P MID CAP COM 464287507 214 1,100 SH   SOLE   1,100 0 0
ISHARES TR RUSL 2000 VALU COM 464287630 395 3,275 SH   SOLE   2,800 0 475
ISHARES TR RUSSELL 2000 COM 464287655 2,163 13,908 SH   SOLE   11,834 0 2,074
ISHARES TR RUSSELL 2000 COM 464287655 299 1,925 SH   OTR   1,250 0 675
ISHARES TR S&P SMLCAP 600 COM 464287804 602 7,685 SH   SOLE   7,685 0 0
ISHARES TR S&P SMLCAP 600 COM 464287804 164 2,100 SH   OTR   0 0 2,100
SPDR S&P MIDCAP 400 ETF COM 78467Y107 468 1,319 SH   SOLE   1,219 0 100
SPDR TR UNIT SER 1 COM 78462F103 397 1,356 SH   SOLE   1,316 0 40
ISHARES INC MSCI S KOREA (EWY) COM 464286772 747 12,475 SH   SOLE   12,095 0 380
ISHARES INC MSCI S KOREA (EWY) COM 464286772 40 675 SH   OTR   525 0 150
ISHARES MSCI MEXICO CAP COM 464286822 859 19,808 SH   SOLE   18,363 0 1,445
ISHARES MSCI PHILIPPINES COM 46429B408 1,023 28,735 SH   SOLE   26,510 0 2,225
ISHARES MSCI PHILIPPINES COM 46429B408 62 1,750 SH   OTR   950 0 800
ISHARES TR MSCI EAFE IDX (EFA) COM 464287465 187 2,845 SH   SOLE   2,815 0 30
ISHARES TR MSCI EAFE IDX (EFA) COM 464287465 66 1,000 SH   OTR   0 0 1,000
WISDOMTREE INDIA EARNINGS FUND COM 97717w422 1,094 41,969 SH   SOLE   38,744 0 3,225
WISDOMTREE INDIA EARNINGS FUND COM 97717w422 83 3,200 SH   OTR   2,100 0 1,100
VANGUARD FXD INC SECS GNMA ADM COM 922031794 126 12,000 SH   SOLE   12,000 0 0
DASEKE WARRANTS WT 23753F115 50 228,620 SH   SOLE   228,620 0 0