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 Laboratories US EQUITIES 002824100   89 875 SH   SOLE   875 0 0
AbbVie Inc US EQUITIES 00287y109   190 1,192 SH   SOLE   1,192 0 0
Accenture Plc F Class A US EQUITIES g1151c101   86 300 SH   SOLE   300 0 0
Adobe Inc US EQUITIES 00724f101   8,736 22,670 SH   SOLE   22,670 0 0
Air Products & Chemicals Inc US EQUITIES 009158106   6,714 23,377 SH   SOLE   23,377 0 0
Airbnb, Inc. US EQUITIES 00925dad5   15 120 SH   SOLE   120 0 0
Allegiant Travel Company US EQUITIES 01748x102   18 200 SH   SOLE   200 0 0
Allianz ADS Ord Shares US EQUITIES 018820100   101 4,400 SH   SOLE   4,400 0 0
Alphabet Inc. Class A US EQUITIES 02079k305   10,002 96,424 SH   SOLE   96,424 0 0
Alphabet Inc. Class C US EQUITIES 02079k107   1,595 15,340 SH   SOLE   15,340 0 0
Amazon.com Inc US EQUITIES 023135106   7,088 68,629 SH   SOLE   68,629 0 0
American Electric Power Co US EQUITIES 025537101   69 756 SH   SOLE   756 0 0
American Express Company US EQUITIES 025816109   117 711 SH   SOLE   711 0 0
American Water Works Co Inc US EQUITIES 030411102   14 93 SH   SOLE   93 0 0
Apple Inc US EQUITIES 037833100   19,221 116,565 SH   SOLE   116,565 0 0
ASML Holding N.V. US EQUITIES n07059210   749 1,100 SH   SOLE   1,100 0 0
ASML Holding NV INTERNATIONAL EQUITY n07059210   204 300 SH   SOLE   300 0 0
AT&T Inc. US EQUITIES 00206r102   25 1,306 SH   SOLE   1,306 0 0
Automatic Data Processing Inc. US EQUITIES 053015103   12 55 SH   SOLE   55 0 0
Bank of America Corp US EQUITIES 060505104   520 18,170 SH   SOLE   18,170 0 0
Bank of Montreal INTERNATIONAL EQUITY 063671101   125 1,400 SH   SOLE   1,400 0 0
Bank of NY Mellon Corp US EQUITIES 064058100   137 3,021 SH   SOLE   3,021 0 0
Berkshire Hathaway Inc. Del Cl US EQUITIES 084670702   1,188 3,849 SH   SOLE   3,849 0 0
Black Hills Corp US EQUITIES 092113109   36 567 SH   SOLE   567 0 0
Blackstone Group Inc. Cl A US EQUITIES 09260d107   3,067 34,925 SH   SOLE   34,925 0 0
Bristol-Myers Squibb Co US EQUITIES 110122108   76 1,100 SH   SOLE   1,100 0 0
Broadridge Financial Solutions US EQUITIES 11133t103   6,759 46,121 SH   SOLE   46,121 0 0
Carlisle Cos Inc US EQUITIES 142339100   16 70 SH   SOLE   70 0 0
Chevron Corporation US EQUITIES 166764100   28 174 SH   SOLE   174 0 0
Chubb LTD F US EQUITIES h1467j104   6,936 35,723 SH   SOLE   35,723 0 0
Cisco Systems Inc US EQUITIES 17275r102   244 4,663 SH   SOLE   4,663 0 0
Clorox Co US EQUITIES 189054109   3 225 SH   SOLE   225 0 0
CNFinance Holdings Limited ADS US EQUITIES 18979t105   50 20,086 SH   SOLE   20,086 0 0
Coca Cola Co US EQUITIES 191216100   90 1,451 SH   SOLE   1,451 0 0
Colgate Palmolive Co US EQUITIES 194162103   398 5,300 SH   SOLE   5,300 0 0
Comcast Corp New Class A US EQUITIES 20030n101   33 872 SH   SOLE   872 0 0
Consolidated Water Co. Ltd. US EQUITIES g23773107   33 2,000 SH   SOLE   2,000 0 0
Corning Inc US EQUITIES 219350105   53 1,500 SH   SOLE   1,500 0 0
Costco Wholesale Co US EQUITIES 22160k105   9,593 19,307 SH   SOLE   19,307 0 0
Crown Castle International Cor US EQUITIES 22822v101   869 6,493 SH   SOLE   6,493 0 0
CVS Health Corp US EQUITIES 126650100   8,618 115,979 SH   SOLE   115,979 0 0
Danaher Corp US EQUITIES 235851102   50 200 SH   SOLE   200 0 0
Deere & Co US EQUITIES 244199105   6,596 15,976 SH   SOLE   15,976 0 0
Deutsche Telekom AG (EUROS) INTERNATIONAL EQUITY d2035m136   119 4,900 SH   SOLE   4,900 0 0
Deutsche Telekom AG ADR US EQUITIES 251566105   233 9,650 SH   SOLE   9,650 0 0
Devon Energy Corp. US EQUITIES 25179m103   30 600 SH   SOLE   600 0 0
Dominion Resources Inc VA New US EQUITIES 25746u109   11 200 SH   SOLE   200 0 0
Duke Energy Corporation US EQUITIES 26441c204   12 121 SH   SOLE   121 0 0
E On SE NPV (EUROS) INTERNATIONAL EQUITY D24914133   12 1,000 SH   SOLE   1,000 0 0
Edwards Lifesciences Corp US EQUITIES 28176E108   99 1,200 SH   SOLE   1,200 0 0
Eli Lilly & Co US EQUITIES 532457108   7,371 21,465 SH   SOLE   21,465 0 0
Exxon Mobil Corp US EQUITIES 30231g102   9,308 84,883 SH   SOLE   84,883 0 0
Fidelity Select Portfoliosheal US EQUITY FUNDS 316390301   1,254 45,163 SH   SOLE   45,163 0 0
First Tr NASDAQ Tech Div Indx US EQUITIES 33738r118   54 1,000 SH   SOLE   1,000 0 0
Fiserv Inc US EQUITIES 337738108   5,823 51,523 SH   SOLE   51,523 0 0
FMC Corp. US EQUITIES 302491303   232 1,900 SH   SOLE   1,900 0 0
Ford Motor Co US EQUITIES 345370860   2,887 229,202 SH   SOLE   229,202 0 0
Fortune Brands Home & Sec Inc US EQUITIES 34964c106   23 400 SH   SOLE   400 0 0
General Mills Inc US EQUITIES 370334104   30 350 SH   SOLE   350 0 0
Goldman Sachs Group Inc US EQUITIES 38141g104   150 461 SH   SOLE   461 0 0
Hartford Financial Services Gr US EQUITIES 416515104   10 150 SH   SOLE   150 0 0
Heidelbergcement AG (EUROS) INTERNATIONAL EQUITY d31709104   44 600 SH   SOLE   600 0 0
Home Depot Inc US EQUITIES 437076102   8,119 27,513 SH   SOLE   27,513 0 0
Honeywell International Inc. US EQUITIES 438516106   14 73 SH   SOLE   73 0 0
Illinois Tool Works Inc US EQUITIES 452308109   289 1,188 SH   SOLE   1,188 0 0
Illumina Inc US EQUITIES 452327109   16 70 SH   SOLE   70 0 0
Infineon Technologies AG (EURO INTERNATIONAL EQUITY d35415104   65 1,600 SH   SOLE   1,600 0 0
International Business Machine US EQUITIES 459200101   226 1,729 SH   SOLE   1,729 0 0
International Flavors & Fragra US EQUITIES 459506101   159 1,725 SH   SOLE   1,725 0 0
Intra-Cellular Therapies, Inc US EQUITIES 46116x101   192 3,550 SH   SOLE   3,550 0 0
Intuit Inc US EQUITIES 461202103   6,021 13,507 SH   SOLE   13,507 0 0
Invesco Exchange Traded FD TR US EQUITIES 46137v563   44 2,220 SH   SOLE   2,220 0 0
Invesco QQQ TR Unit Ser 1 US EQUITIES 46090e103   96 300 SH   SOLE   300 0 0
iShares DJ Select Dividend ETF US EQUITIES 464287168   73 623 SH   SOLE   623 0 0
iShares S&P 100 ETF US EQUITIES 464287101   56 300 SH   SOLE   300 0 0
J.M. Smucker Co. US EQUITIES 832696405   24 150 SH   SOLE   150 0 0
Jacobs Engineering Group Inc US EQUITIES 46982L108   8,088 68,833 SH   SOLE   68,833 0 0
Johnson & Johnson US EQUITIES 478160104   8,172 52,723 SH   SOLE   52,723 0 0
JPMorgan Chase & Co US EQUITIES 46625h100   7,433 57,044 SH   SOLE   57,044 0 0
Kimberly-Clark Corp US EQUITIES 494368103   86 640 SH   SOLE   640 0 0
Kroger Co US EQUITIES 501044101   14 275 SH   SOLE   275 0 0
Linde PLC ADR US EQUITIES G54950103   7,006 19,910 SH   SOLE   19,910 0 0
Lockheed Martin Corp US EQUITIES 539830109   184 389 SH   SOLE   389 0 0
Mastercard Inc Class A US EQUITIES 57636q104   8,434 23,210 SH   SOLE   23,210 0 0
McDonalds Corp US EQUITIES 580135101   914 3,269 SH   SOLE   3,269 0 0
Medtronic Inc US EQUITIES 585055106   1,102 13,674 SH   SOLE   13,674 0 0
Merck & Co Inc US EQUITIES 58933y105   3,030 28,482 SH   SOLE   28,482 0 0
Meta Platforms Class A Common US EQUITIES 30303m102   1,400 6,607 SH   SOLE   6,607 0 0
Microsoft Corp US EQUITIES 594918104   27,163 94,219 SH   SOLE   94,219 0 0
Mondelez Intl Inc US EQUITIES 609207105   88 1,260 SH   SOLE   1,260 0 0
Morgan Stanley US EQUITIES 617446448   6,221 70,856 SH   SOLE   70,856 0 0
National Fuel Gas Co US EQUITIES 636180101   29 500 SH   SOLE   500 0 0
Nestle SA Spons ADR US EQUITIES 641069406   319 2,625 SH   SOLE   2,625 0 0
New Jersey Resources Corp US EQUITIES 646025106   279 5,250 SH   SOLE   5,250 0 0
Newmont Mining Corp US EQUITIES 651639106   186 3,800 SH   SOLE   3,800 0 0
NextEra Energy Inc US EQUITIES 65339f101   9,502 123,281 SH   SOLE   123,281 0 0
Northrop Grumman Co US EQUITIES 666807102   18 40 SH   SOLE   40 0 0
Nvidia Corp. US EQUITIES 67066g104   128 463 SH   SOLE   463 0 0
Occidental Petroleum Corp US EQUITIES 674599105   33 530 SH   SOLE   530 0 0
Palo Alto Networks Inc US EQUITIES 697435105   12,278 61,474 SH   SOLE   61,474 0 0
Pepsico Inc. US EQUITIES 713448108   5,528 30,328 SH   SOLE   30,328 0 0
Petco Health & Wellness Compan US EQUITIES 71601v105   12 1,440 SH   SOLE   1,440 0 0
Pfizer Inc US EQUITIES 717081103   6,882 168,829 SH   SOLE   168,829 0 0
Philip Morris Intl. Inc. US EQUITIES 718172109   49 500 SH   SOLE   500 0 0
PJT Partners Inc. US EQUITIES 69343t107   17 231 SH   SOLE   231 0 0
PNC Financial Svcs Group Inc US EQUITIES 693475105   54 425 SH   SOLE   425 0 0
Procter & Gamble Co US EQUITIES 742718109   180 1,212 SH   SOLE   1,212 0 0
Prologis Inc US EQUITIES 74340w103   16 130 SH   SOLE   130 0 0
Ptc Inc. US EQUITIES 69370c100   51 395 SH   SOLE   395 0 0
Qualcomm Inc US EQUITIES 747525103   7,320 57,383 SH   SOLE   57,383 0 0
Quanta Services Inc US EQUITIES 74762e102   48 288 SH   SOLE   288 0 0
Raytheon Technologies Corp. US EQUITIES 75513e101   5,727 58,490 SH   SOLE   58,490 0 0
Regeneron Pharmaceuticals Inc US EQUITIES 75886f107   1,896 2,308 SH   SOLE   2,308 0 0
Roche Holding Ltd. Spons ADR US EQUITIES 771195104   621 17,410 SH   SOLE   17,410 0 0
Rockwell Automation Inc. US EQUITIES 773903109   7,608 25,929 SH   SOLE   25,929 0 0
Rowe T Price Intl Funds Inc g US EQUITY FUNDS 77956h856   351 7,082 SH   SOLE   7,082 0 0
Royal Dutch Shell PLC ADS CL A US EQUITIES 780259206   75 1,300 SH   SOLE   1,300 0 0
S&P Global Inc US EQUITIES 78409v104   7,388 21,429 SH   SOLE   21,429 0 0
Sanofi (EUROS) INTERNATIONAL EQUITY f5548n101   16 150 SH   SOLE   150 0 0
SAP SE (EUROS) INTERNATIONAL EQUITY d66992104   32 250 SH   SOLE   250 0 0
Schlumberger Ltd US EQUITIES 806857108   9,849 200,608 SH   SOLE   200,608 0 0
Schwab Cap Trs&p 500 Select US EQUITIES 808509855   52 825 SH   SOLE   825 0 0
Siemens AG NPV (EUROS) INTERNATIONAL EQUITY d69671218   29 180 SH   SOLE   180 0 0
Southern Co US EQUITIES 842587107   14 200 SH   SOLE   200 0 0
SPDR S&P Dividend ETF US EQUITIES 78464a763   45 362 SH   SOLE   362 0 0
SPDR S&P500 ETF US EQUITIES 78462f103   72 176 SH   SOLE   176 0 0
SS&C Technologies Hldgs Inc. US EQUITIES 78467j100   755 13,372 SH   SOLE   13,372 0 0
Starbucks Corp US EQUITIES 855244109   5,877 56,447 SH   SOLE   56,447 0 0
Stryker Corp US EQUITIES 863667101   57 200 SH   SOLE   200 0 0
Technology Select Sector SPDR US EQUITIES 81369y803   53 350 SH   SOLE   350 0 0
Thermo Fisher Scntfc US EQUITIES 883556102   7,843 13,609 SH   SOLE   13,609 0 0
T-Mobile US Inc. US EQUITIES 872590104   9,539 65,864 SH   SOLE   65,864 0 0
Tootsie Roll Industries Inc US EQUITIES 890516107   103 2,287 SH   SOLE   2,287 0 0
Ulta Beauty Inc US EQUITIES 90384s303   8,516 15,604 SH   SOLE   15,604 0 0
Unilever PLC ADS US EQUITIES 904767704   11 210 SH   SOLE   210 0 0
Unitedhealth Grp Inc US EQUITIES 91324p102   7,653 16,194 SH   SOLE   16,194 0 0
Vanguard Dividend Appreciation US EQUITY FUNDS 921908844   564 3,665 SH   SOLE   3,665 0 0
Vanguard ETF Index Funds Mid C US EQUITIES 922908538   408 2,095 SH   SOLE   2,095 0 0
Vanguard Index Fd Small-Cap ET US EQUITIES 922908751   22 115 SH   SOLE   115 0 0
Vanguard Index Growth ETF US EQUITIES 922908736   27 108 SH   SOLE   108 0 0
Vanguard Index Value ETF US EQUITIES 922908744   14 101 SH   SOLE   101 0 0
Vanguard Information Technolog US EQUITY FUNDS 92204a702   77 200 SH   SOLE   200 0 0
Vanguard Star Fd Total Intl. S US EQUITIES 921909768   107 1,930 SH   SOLE   1,930 0 0
Veolia Environnement SA (EUROS INTERNATIONAL EQUITY f9686m107   49 1,600 SH   SOLE   1,600 0 0
Verizon Communications Inc US EQUITIES 92343v104   85 2,192 SH   SOLE   2,192 0 0
Visa Inc. Class A US EQUITIES 92826c839   77 340 SH   SOLE   340 0 0
Wal-Mart Stores Inc US EQUITIES 931142103   847 5,745 SH   SOLE   5,745 0 0
Walt Disney Co US EQUITIES 254687106   240 2,400 SH   SOLE   2,400 0 0
Waste Management Inc US EQUITIES 94106l109   105 645 SH   SOLE   645 0 0
Wells Fargo & Co US EQUITIES 949746101   34 900 SH   SOLE   900 0 0
Xylem Inc US EQUITIES 98419m100   32 310 SH   SOLE   310 0 0
Zebra Technologies Corp Cl A US EQUITIES 989207105   898 2,825 SH   SOLE   2,825 0 0
Zimmer Biomet Holdings US EQUITIES 98956p102   14 109 SH   SOLE   109 0 0
Zoetis Inc. US EQUITIES 98978v103   18 108 SH   SOLE   108 0 0