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 4,481 28,729 SH   SOLE   26,289 0 2,440
AFLAC Inc. COM 001055102 234 6,500 SH   SOLE   5,100 0 1,400
AT&T Inc. COM 00206R102 4,416 146,089 SH   SOLE   131,076 0 15,013
ATC Healthcare Inc-A COM 00209C102 0 21,930 SH   SOLE   21,930 0 0
AbbVie Inc. COM 00287Y109 7,837 79,829 SH   SOLE   73,453 0 6,376
Abbott Laboratories COM 002824100 4,707 51,490 SH   SOLE   45,450 0 6,040
Adobe Systems Inc. COM 00724F101 1,183 2,718 SH   SOLE   2,008 0 710
Air Products & Chemicals COM 009158106 615 2,550 SH   SOLE   0 0 2,550
Airtrax COM 008920100 0 33,200 SH   SOLE   33,200 0 0
Alcon COM H01301128 232 4,054 SH   SOLE   3,872 0 182
Alibaba Group Holding Ltd COM 01609w102 3,029 14,043 SH   SOLE   12,053 0 1,990
Allegion plc COM G0176J109 316 3,100 SH   SOLE   3,100 0 0
Alphabet Inc. Class A COM 02079K305 823 581 SH   SOLE   149 0 432
Alphabet Inc. Class C COM 02079K107 4,355 3,081 SH   SOLE   2,801 0 280
Amazon.com Inc. COM 023135106 2,653 962 SH   SOLE   745 0 217
Amdocs Limited COM G02602103 229 3,775 SH   SOLE   3,425 0 350
American Express Co. COM 025816109 2,167 22,764 SH   SOLE   18,260 0 4,504
American Intl Group, Inc. COM 026874784 749 24,029 SH   SOLE   22,173 0 1,856
American Water Works COM 030420103 363 2,824 SH   SOLE   2,824 0 0
Analog Devices Inc. COM 032654105 675 5,505 SH   SOLE   3,760 0 1,745
Apple Inc. COM 037833100 6,435 17,642 SH   SOLE   16,336 0 1,306
Ares Management LP COM 03990B101 1,613 40,652 SH   SOLE   39,727 0 925
Automatic Data Processing Inc. COM 053015103 425 2,855 SH   SOLE   2,855 0 0
Avery Dennison Corp. COM 053611109 6,255 54,828 SH   SOLE   52,543 0 2,285
Bank of America Corp COM 060505104 311 13,123 SH   SOLE   6,062 0 7,061
Becton Dickinson & Co. COM 075887109 1,529 6,392 SH   SOLE   4,640 0 1,752
Berkshire Hathaway Class B COM 084670702 745 4,175 SH   SOLE   3,100 0 1,075
Biogen Inc. COM 09062X103 1,364 5,100 SH   SOLE   4,735 0 365
Boeing Company COM 097023105 1,596 8,712 SH   SOLE   8,680 0 32
Bristol-Myers Squibb Co. COM 110122108 5,378 91,479 SH   SOLE   84,794 0 6,685
CVS Health Corp. COM 126650100 6,512 100,243 SH   SOLE   96,718 0 3,525
Canadian Solar Inc COM 136635109 501 26,014 SH   SOLE   23,739 0 2,275
CarMax Inc. COM 143130102 2,062 23,027 SH   SOLE   22,422 0 605
Chevron Corp COM 166764100 1,193 13,377 SH   SOLE   7,268 0 6,109
Cisco Systems Inc. COM 17275R102 5,142 110,251 SH   SOLE   104,236 0 6,015
Citigroup Inc. COM 172967424 4,543 88,911 SH   SOLE   80,911 0 8,000
Citizens Financial Group COM 174610105 5,701 225,889 SH   SOLE   216,724 0 9,165
Coca-Cola Company COM 191216100 1,070 23,960 SH   SOLE   21,974 0 1,985
Colgate-Palmolive Co COM 194162103 2,481 33,866 SH   SOLE   31,522 0 2,344
Comcast cl A COM 20030N101 1,017 26,104 SH   SOLE   23,364 0 2,740
Costco Wholesale Corp COM 22160K105 2,288 7,548 SH   SOLE   7,443 0 105
DXC Technology COM 23355L106 1,191 72,232 SH   SOLE   69,582 0 2,650
Danaher Corporation COM 235851102 535 3,031 SH   SOLE   1,831 0 1,200
Devon Energy Corp COM 25179M103 284 25,113 SH   SOLE   25,113 0 0
Diageo PLC ADS COM 25243Q205 3,469 25,815 SH   SOLE   24,775 0 1,040
Dollar Tree, Inc. COM 256746108 231 2,500 SH   SOLE   2,500 0 0
Dominion Resources Inc. COM 25746U109 828 10,204 SH   SOLE   10,000 0 204
Dover Corporation COM 260003108 275 2,850 SH   SOLE   2,850 0 0
Ecolab Inc COM 278865100 648 3,258 SH   SOLE   2,308 0 950
Elanco Animal Health Inc COM 28414H103 830 38,725 SH   SOLE   36,250 0 2,475
Eli Lilly & Co. COM 532457108 1,038 6,323 SH   SOLE   6,323 0 0
Enterprise Products Part LP COM 293792107 225 12,400 SH   SOLE   12,400 0 0
Equitrans Midstream Corporatio COM 294600101 1,248 150,210 SH   SOLE   141,145 0 9,065
Everest Re Group Ltd COM G3223R108 5,657 27,439 SH   SOLE   24,959 0 2,480
Exxon Mobil Corporation COM 30231G102 795 17,792 SH   SOLE   13,664 0 4,128
Facebook, Inc. cl A COM 30303M102 3,157 13,904 SH   SOLE   12,074 0 1,830
FedEx Corp COM 31428X106 2,779 19,823 SH   SOLE   17,248 0 2,575
Fidelity National Financial, I COM 31620R303 366 11,944 SH   SOLE   11,944 0 0
First Horizon National Corp COM 320517105 129 13,050 SH   SOLE   13,050 0 0
First Solar, Inc. COM 336433107 1,017 20,564 SH   SOLE   19,679 0 885
General Dynamics Corp. COM 369550108 2,705 18,102 SH   SOLE   17,457 0 645
General Electric Company COM 369604103 111 16,293 SH   SOLE   16,293 0 0
Goldman Sachs Group Inc COM 38141G104 2,571 13,010 SH   SOLE   11,765 0 1,245
Hanover Insurance Grp (The) COM 410867105 222 2,199 SH   SOLE   2,199 0 0
Hasbro Inc. COM 418056107 4,961 66,191 SH   SOLE   64,066 0 2,125
Home Depot Inc. COM 437076102 2,421 9,664 SH   SOLE   9,664 0 0
Honeywell Intl Inc COM 438516106 549 3,798 SH   SOLE   100 0 3,698
Horizon Bancorp IN COM 440407104 1,516 141,894 SH   SOLE   138,944 0 2,950
Huntington Bancshares, Inc. COM 446150104 2,017 223,305 SH   SOLE   218,705 0 4,600
IBM Corp COM 459200101 3,613 29,922 SH   SOLE   28,642 0 1,280
Illinois Tool Works Inc. COM 452308109 2,011 11,505 SH   SOLE   11,505 0 0
Intel Corporation COM 458140100 5,421 90,618 SH   SOLE   79,141 0 11,477
JPMorgan Chase & Co COM 46625H100 5,995 63,740 SH   SOLE   55,369 0 8,371
Johnson & Johnson COM 478160104 10,666 75,847 SH   SOLE   68,339 0 7,508
Kimberly-Clark Corp. COM 494368103 2,872 20,321 SH   SOLE   19,436 0 885
Kinder Morgan Inc cl P COM 49456B101 2,287 150,762 SH   SOLE   148,562 0 2,200
Laboratory Corp of America COM 50540R409 2,729 16,429 SH   SOLE   16,429 0 0
Landstar System Inc. COM 515098101 718 6,397 SH   SOLE   5,817 0 580
Lincoln National Corp COM 534187109 5,391 146,553 SH   SOLE   141,093 0 5,460
Linde PLC COM G5494J103 2,086 9,837 SH   SOLE   9,637 0 200
Lowes Companies Inc. COM 548661107 4,937 36,540 SH   SOLE   33,917 0 2,623
MSC Industrial Direct Co-A COM 553530106 1,923 26,415 SH   SOLE   25,640 0 775
Marsh & McLennan Company Inc COM 571748102 5,092 47,433 SH   SOLE   45,668 0 1,765
McCormick & Co, Inc. COM 579780206 479 2,675 SH   SOLE   2,100 0 575
McDonald's Corp. COM 580135101 276 1,500 SH   SOLE   1,300 0 200
Medtronic, PLC COM G5960L103 1,815 19,798 SH   SOLE   19,353 0 445
Mercadolibre COM 58733R102 256 260 SH   SOLE   20 0 240
Merck & Co. Inc. COM 58933Y105 9,988 129,167 SH   SOLE   121,052 0 8,114
Metal Storm Limited-Spon ADR COM 591120100 0 22,750 SH   SOLE   22,750 0 0
Microsoft Corporation COM 594918104 11,073 54,413 SH   SOLE   47,468 0 6,945
NVIDIA Corp COM 67066G104 1,185 3,121 SH   SOLE   3,021 0 100
NXP Semiconductors NV COM n6596x109 2,076 18,210 SH   SOLE   16,190 0 2,020
Nestle S.A. ADR COM 641069406 3,165 28,662 SH   SOLE   26,272 0 2,390
Newmont Mining Corp COM 651639106 1,720 27,867 SH   SOLE   26,357 0 1,510
Noble Energy Inc. COM 655044105 107 12,005 SH   SOLE   11,205 0 800
Novartis AG COM 66987V109 6,608 75,664 SH   SOLE   73,309 0 2,355
OceanFirst Financial Corp COM 675234108 261 14,830 SH   SOLE   14,830 0 0
Oracle Corporation COM 68389X105 216 3,910 SH   SOLE   910 0 3,000
PNC Financial Services COM 693475105 2,100 19,965 SH   SOLE   19,260 0 705
PPG Industries Inc. COM 693506107 318 3,000 SH   SOLE   0 0 3,000
Packaging Corp of America COM 695156109 2,822 28,279 SH   SOLE   25,384 0 2,895
Patient Access Solutions, Inc. COM 70324a208 2 20,000 SH   SOLE   20,000 0 0
Paypal Holdings COM 70450Y103 244 1,406 SH   SOLE   441 0 965
PepsiCo, Inc. COM 713448108 1,385 10,471 SH   SOLE   6,678 0 3,793
Pfizer Inc. COM 717081103 510 15,620 SH   SOLE   4,029 0 11,591
Phillips 66 COM 718546104 3,183 44,280 SH   SOLE   43,505 0 775
Procter & Gamble Co. COM 742718109 521 4,363 SH   SOLE   1,413 0 2,950
Prudential Financial Inc COM 744320102 2,202 36,166 SH   SOLE   35,406 0 760
Qorvo Inc COM 74736K101 721 6,530 SH   SOLE   6,190 0 340
Qualcomm Inc. COM 747525103 5,606 61,465 SH   SOLE   58,305 0 3,160
Raytheon Technologies Corp COM 75513E101 221 3,592 SH   SOLE   3,367 0 225
Royal Dutch Shell PLC - ADR A COM 780259206 438 13,420 SH   SOLE   13,420 0 0
Royal Dutch Shell PLC - ADR B COM 780259107 285 9,380 SH   SOLE   7,480 0 1,900
Schlumberger Ltd. COM 806857108 357 19,457 SH   SOLE   16,666 0 2,791
Skyworks Solutions Inc COM 83088M102 2,351 18,395 SH   SOLE   17,170 0 1,225
Starbucks Corporation COM 855244109 255 3,476 SH   SOLE   2,196 0 1,280
Stonepath Group Inc COM 861837102 0 138,000 SH   SOLE   138,000 0 0
Stryker Corp COM 863667101 1,050 5,830 SH   SOLE   5,040 0 790
Suncor Energy COM 867224107 193 11,476 SH   SOLE   11,476 0 0
Texas Instruments, Inc. COM 882508104 4,206 33,126 SH   SOLE   29,376 0 3,750
Thermo Fisher Scientific, Inc. COM 883556102 5,035 13,896 SH   SOLE   13,436 0 460
Trane Technologies PLC COM G8994E103 639 7,188 SH   SOLE   7,188 0 0
U.S. Bancorp COM 902973304 767 20,835 SH   SOLE   19,626 0 1,209
Ulta Beauty Inc COM 90384S303 817 4,021 SH   SOLE   3,806 0 215
Unilever N.V. COM 904784709 439 8,247 SH   SOLE   3,597 0 4,650
Unilever PLC ADR COM 904767704 4,919 89,645 SH   SOLE   84,578 0 5,067
Union Pacific Corp. COM 907818108 574 3,398 SH   SOLE   523 0 2,875
United Parcel Service Inc. COM 911312106 1,559 14,029 SH   SOLE   13,129 0 900
Univest Corp of Penn. COM 915271100 240 14,909 SH   SOLE   14,909 0 0
V.F. Corporation COM 918204108 360 5,922 SH   SOLE   5,922 0 0
VISA Inc. COM 92826C839 461 2,388 SH   SOLE   2,088 0 300
VMware, Inc. Cl A COM 928563402 1,423 9,195 SH   SOLE   8,775 0 420
Verisk Analytics, Inc. cl A COM 92345Y106 3,465 20,361 SH   SOLE   20,361 0 0
Verizon Communications, Inc. COM 92343V104 2,212 40,139 SH   SOLE   34,693 0 5,446
Walgreens Boots Alliance Inc COM 931427108 3,815 90,020 SH   SOLE   87,570 0 2,450
Walt Disney Company COM 254687106 2,205 19,781 SH   SOLE   16,556 0 3,225
Waste Management Inc. COM 94106L109 348 3,295 SH   SOLE   3,295 0 0
Wells Fargo & Co COM 949746101 523 20,460 SH   SOLE   20,460 0 0
Willis Towers Watson Plc Ltd COM G96629103 4,393 22,308 SH   SOLE   21,548 0 760
Yum China Holdings COM 98850P109 214 4,460 SH   SOLE   4,300 0 160
Yum! Brands, Inc. COM 988498101 370 4,260 SH   SOLE   4,100 0 160
Zimmer Biomet Holdings Inc COM 98956P102 783 6,567 SH   SOLE   6,147 0 420
Zoetis Inc. COM 98978V103 5,038 36,770 SH   SOLE   32,295 0 4,475
AIM Charter Fund Income COM 001413103 213 14,209 SH   SOLE   14,209 0 0
Akre Focus Fund Institutional COM 742935125 830 16,848 SH   SOLE   16,848 0 0
Davis New York Venture Fund COM 239080104 276 10,703 SH   SOLE   10,703 0 0
Elements US Portfolio COM 861728731 2,748 217,113 SH   SOLE   217,113 0 0
Elements US Small Cap Portfoli COM 861728723 120 12,172 SH   SOLE   12,172 0 0
Fidelity 500 Index Instl Premi COM 315911750 392 3,632 SH   SOLE   3,632 0 0
Fidelity Total Market Index COM 315911693 312 3,584 SH   SOLE   3,584 0 0
JPMorgan Growth Advantage-I COM 4812A3718 733 27,911 SH   SOLE   27,911 0 0
JPMorgan Small Cap Equity Fund COM 4812A1373 377 7,022 SH   SOLE   7,022 0 0
Vanguard 500 Index-Adm COM 922908710 336 1,176 SH   SOLE   1,176 0 0
SPDR Port S&P 500 Value COM 78464A508 1,806 62,348 SH   SOLE   62,348 0 0
SPDR Port Total Stock Market COM 78464A805 6,293 166,574 SH   SOLE   166,574 0 0
SPDR Portfolio S&P 500 Growth COM 78464A409 6,781 150,977 SH   SOLE   148,137 0 2,840
SPDR Portfolio S&P 500 High COM 78468R788 587 21,104 SH   SOLE   21,104 0 0
SPDR S&P 500 ETF Trust Series COM 78462F103 8,746 28,362 SH   SOLE   26,826 0 1,536
SPDR S&P MidCap 400 ETF Trust COM 78467Y107 312 963 SH   SOLE   942 0 21
Schwab U.S. Large-Cap Growth COM 808524300 251 2,472 SH   SOLE   2,472 0 0
VanEck Vectors BDC Inc ETF COM 92189F411 320 26,394 SH   SOLE   26,394 0 0
Vanguard Growth ETF COM 922908736 1,739 8,610 SH   SOLE   8,610 0 0
Vanguard High Dividend Yield E COM 921946406 716 9,101 SH   SOLE   9,101 0 0
Vanguard Large-Cap ETF COM 922908637 1,021 7,145 SH   SOLE   7,145 0 0
Vanguard Mid-Cap ETF COM 922908629 328 2,007 SH   SOLE   2,007 0 0
Vanguard S&P 500 ETF COM 922908363 316 1,117 SH   SOLE   1,117 0 0
Vanguard Small Cap ETF COM 922908751 645 4,427 SH   SOLE   4,427 0 0
Vanguard Total Stock Mkt COM 922908769 1,108 7,080 SH   SOLE   7,080 0 0
Vanguard Value ETF COM 922908744 954 9,582 SH   SOLE   9,582 0 0
WisdomTree Total Dividend COM 97717W109 451 5,009 SH   SOLE   5,009 0 0
iShares Core S&P 500 Index Fun COM 464287200 301 975 SH   SOLE   975 0 0
iShares Russell 1000 Growth COM 464287614 414 2,162 SH   SOLE   2,112 0 50
iShares Russell 1000 Value COM 464287598 703 6,243 SH   SOLE   6,243 0 0
iShares Russell Midcap ETF COM 464287499 290 5,429 SH   SOLE   5,429 0 0
iShares S&P 500 Growth Index COM 464287309 1,161 5,597 SH   SOLE   5,597 0 0
iShares S&P MidCap 400 COM 464287507 949 5,337 SH   SOLE   5,337 0 0
iShares US Technology ETF COM 464287721 3,398 12,597 SH   SOLE   12,247 0 350
Vanguard FTSE All-World Ex COM 922042718 319 3,303 SH   SOLE   3,303 0 0