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
ASML Holding N.V. INTERNATIONAL EQUITY n07059210   647 1,100 SH   SOLE   1,100 0 0
AT&T Inc. INTERNATIONAL EQUITY 00206r102   19 1,306 SH   SOLE   1,306 0 0
AbbVie Inc INTERNATIONAL EQUITY 00287y109   176 1,182 SH   SOLE   1,182 0 0
Abbott Laboratories INTERNATIONAL EQUITY 002824100   84 875 SH   SOLE   875 0 0
Adobe Inc INTERNATIONAL EQUITY 00724f101   1,177 23,098 SH   SOLE   23,098 0 0
Air Products & Chemicals Inc INTERNATIONAL EQUITY 009158106   6,732 23,756 SH   SOLE   23,756 0 0
Allianz ADS Ord Shares US EQUITIES 018820100   104 4,400 SH   SOLE   4,400 0 0
Alphabet Inc. Class A US EQUITIES 02079k305   12,973 99,140 SH   SOLE   99,140 0 0
Alphabet Inc. Class C US EQUITIES 02079k107   2,022 15,340 SH   SOLE   15,340 0 0
Amazon.com Inc US EQUITIES 023135106   12,484 98,209 SH   SOLE   98,209 0 0
American Electric Power Co US EQUITIES 025537101   56 756 SH   SOLE   756 0 0
American Express Company US EQUITIES 025816109   106 711 SH   SOLE   711 0 0
Apple Inc US EQUITIES 037833100   20,929 122,245 SH   SOLE   122,245 0 0
Bank of America Corp US EQUITIES 060505104   481 17,570 SH   SOLE   17,570 0 0
Bank of NY Mellon Corp US EQUITIES 064058100   128 3,021 SH   SOLE   3,021 0 0
Berkshire Hathaway Inc. Del Cl US EQUITIES 084670702   1,341 3,829 SH   SOLE   3,829 0 0
Black Hills Corp US EQUITIES 092113109   28 567 SH   SOLE   567 0 0
Blackrock Inc US EQUITIES 09247x101   5,641 8,726 SH   SOLE   8,726 0 0
Blackstone Group Inc. Cl A US EQUITIES 09260d107   3,721 34,737 SH   SOLE   34,737 0 0
Bristol-Myers Squibb Co US EQUITIES 110122108   63 1,100 SH   SOLE   1,100 0 0
Broadcom Limited US EQUITIES y09827109   7,987 9,617 SH   SOLE   9,617 0 0
Broadridge Financial Solutions US EQUITIES 11133t103   8,272 46,202 SH   SOLE   46,202 0 0
CNFinance Holdings Limited ADS US EQUITIES 18979t105   75 20,086 SH   SOLE   20,086 0 0
CVS Health Corp US EQUITIES 126650100   1,806 25,867 SH   SOLE   25,867 0 0
Chevron Corporation US EQUITIES 166764100   29 174 SH   SOLE   174 0 0
Chubb LTD F US EQUITIES h1467j104   417 2,006 SH   SOLE   2,006 0 0
Cisco Systems Inc US EQUITIES 17275r102   250 4,663 SH   SOLE   4,663 0 0
Clorox Co US EQUITIES 189054109   29 225 SH   SOLE   225 0 0
Coca Cola Co US EQUITIES 191216100   81 1,451 SH   SOLE   1,451 0 0
Colgate Palmolive Co US EQUITIES 194162103   376 5,300 SH   SOLE   5,300 0 0
Comcast Corp New Class A US EQUITIES 20030n101   38 872 SH   SOLE   872 0 0
Consolidated Water Co. Ltd. US EQUITIES g23773107   56 2,000 SH   SOLE   2,000 0 0
Corning Inc US EQUITIES 219350105   45 1,500 SH   SOLE   1,500 0 0
Costco Wholesale Co US EQUITIES 22160k105   10,672 18,891 SH   SOLE   18,891 0 0
Crown Castle International Cor US EQUITIES 22822v101   185 2,012 SH   SOLE   2,012 0 0
Deere & Co US EQUITIES 244199105   6,186 16,394 SH   SOLE   16,394 0 0
Deutsche Telekom AG ADR US EQUITIES 251566105   202 9,650 SH   SOLE   9,650 0 0
Devon Energy Corp. US EQUITIES 25179m103   28 600 SH   SOLE   600 0 0
Duke Energy Corporation US EQUITIES 26441c204   10 121 SH   SOLE   121 0 0
Edwards Lifesciences Corp US EQUITIES 28176E108   83 1,200 SH   SOLE   1,200 0 0
Eli Lilly & Co US EQUITIES 532457108   11,630 21,653 SH   SOLE   21,653 0 0
Exxon Mobil Corp US EQUITIES 30231g102   10,101 85,914 SH   SOLE   85,914 0 0
FMC Corp. US EQUITIES 302491303   127 1,900 SH   SOLE   1,900 0 0
First Tr NASDAQ Tech Div Indx US EQUITIES 33738r118   56 1,000 SH   SOLE   1,000 0 0
Fiserv Inc US EQUITIES 337738108   6,002 53,136 SH   SOLE   53,136 0 0
Ford Motor Co US EQUITIES 345370860   848 68,309 SH   SOLE   68,309 0 0
Fortune Brands Home & Sec Inc US EQUITIES 34964c106   24 400 SH   SOLE   400 0 0
General Mills Inc US EQUITIES 370334104   22 350 SH   SOLE   350 0 0
Goldman Sachs Group Inc US EQUITIES 38141g104   48 150 SH   SOLE   150 0 0
Home Depot Inc US EQUITIES 437076102   8,327 27,559 SH   SOLE   27,559 0 0
Honeywell International Inc. US EQUITIES 438516106   13 73 SH   SOLE   73 0 0
Illinois Tool Works Inc US EQUITIES 452308109   273 1,188 SH   SOLE   1,188 0 0
International Business Machine US EQUITIES 459200101   238 1,698 SH   SOLE   1,698 0 0
International Flavors & Fragra US EQUITIES 459506101   117 1,725 SH   SOLE   1,725 0 0
Intra-Cellular Therapies, Inc US EQUITIES 46116x101   184 3,550 SH   SOLE   3,550 0 0
Intuit Inc US EQUITIES 461202103   7,042 13,783 SH   SOLE   13,783 0 0
Invesco Exchange Traded FD TR US EQUITIES 46137v563   42 2,220 SH   SOLE   2,220 0 0
Invesco QQQ TR Unit Ser 1 US EQUITIES 46090e103   119 333 SH   SOLE   333 0 0
J.M. Smucker Co. US EQUITIES 832696405   18 150 SH   SOLE   150 0 0
JPMorgan Chase & Co US EQUITIES 46625h100   8,468 58,392 SH   SOLE   58,392 0 0
Jacobs Engineering Group Inc US EQUITIES 46982L108   1,079 7,911 SH   SOLE   7,911 0 0
Johnson & Johnson US EQUITIES 478160104   10,246 6,579 SH   SOLE   6,579 0 0
Kenvue Inc. US EQUITIES 49177J102   88 4,398 SH   SOLE   4,398 0 0
Kimberly-Clark Corp US EQUITIES 494368103   77 640 SH   SOLE   640 0 0
Kroger Co US EQUITIES 501044101   12 275 SH   SOLE   275 0 0
Linde PLC ADR US EQUITIES G54950103   7,458 20,032 SH   SOLE   20,032 0 0
Lockheed Martin Corp US EQUITIES 539830109   140 344 SH   SOLE   344 0 0
Mastercard Inc Class A US EQUITIES 57636q104   9,521 24,050 SH   SOLE   24,050 0 0
McDonalds Corp US EQUITIES 580135101   861 3,269 SH   SOLE   3,269 0 0
Medtronic Inc US EQUITIES 585055106   7,434 94,872 SH   SOLE   94,872 0 0
Merck & Co Inc US EQUITIES 58933y105   9,218 89,544 SH   SOLE   89,544 0 0
Meta Platforms Class A Common US EQUITIES 30303m102   10,084 33,593 SH   SOLE   33,593 0 0
Microsoft Corp US EQUITIES 594918104   29,901 94,701 SH   SOLE   94,701 0 0
Mondelez Intl Inc US EQUITIES 609207105   69 1,000 SH   SOLE   1,000 0 0
Morgan Stanley US EQUITIES 617446448   5,864 71,809 SH   SOLE   71,809 0 0
National Fuel Gas Co US EQUITIES 636180101   25 500 SH   SOLE   500 0 0
Nestle SA Spons ADR US EQUITIES 641069406   297 2,625 SH   SOLE   2,625 0 0
New Jersey Resources Corp US EQUITIES 646025106   213 5,250 SH   SOLE   5,250 0 0
Newmont Mining Corp US EQUITIES 651639106   90 2,437 SH   SOLE   2,437 0 0
NextEra Energy Inc US EQUITIES 65339f101   7,070 123,411 SH   SOLE   123,411 0 0
Novo Nordisk A/S ADR US EQUITIES 670100205   5,602 61,612 SH   SOLE   61,612 0 0
Nvidia Corp. US EQUITIES 67066g104   162 373 SH   SOLE   373 0 0
Occidental Petroleum Corp US EQUITIES 674599105   34 530 SH   SOLE   530 0 0
Oracle Corporation US EQUITIES 68389x105   6,748 63,709 SH   SOLE   63,709 0 0
PJT Partners Inc. US EQUITIES 69343t107   18 231 SH   SOLE   231 0 0
PNC Financial Svcs Group Inc US EQUITIES 693475105   52 425 SH   SOLE   425 0 0
Palo Alto Networks Inc US EQUITIES 697435105   14,347 61,199 SH   SOLE   61,199 0 0
Pepsico Inc. US EQUITIES 713448108   5,235 30,900 SH   SOLE   30,900 0 0
Pfizer Inc US EQUITIES 717081103   100 3,034 SH   SOLE   3,034 0 0
Philip Morris Intl. Inc. US EQUITIES 718172109   46 500 SH   SOLE   500 0 0
Procter & Gamble Co US EQUITIES 742718109   172 1,182 SH   SOLE   1,182 0 0
Prologis Inc US EQUITIES 74340w103   13 120 SH   SOLE   120 0 0
Ptc Inc. US EQUITIES 69370c100   55 395 SH   SOLE   395 0 0
Qualcomm Inc US EQUITIES 747525103   1,421 12,803 SH   SOLE   12,803 0 0
Quanta Services Inc US EQUITIES 74762e102   53 288 SH   SOLE   288 0 0
Regeneron Pharmaceuticals Inc US EQUITIES 75886f107   1,899 2,308 SH   SOLE   2,308 0 0
Roche Holding Ltd. Spons ADR US EQUITIES 771195104   577 17,010 SH   SOLE   17,010 0 0
Rockwell Automation Inc. US EQUITIES 773903109   7,550 26,411 SH   SOLE   26,411 0 0
Royal Dutch Shell PLC ADS CL A US EQUITIES 780259206   83 1,300 SH   SOLE   1,300 0 0
S&P Global Inc US EQUITIES 78409v104   7,921 21,677 SH   SOLE   21,677 0 0
SPDR S&P Dividend ETF US EQUITIES 78464a763   41 362 SH   SOLE   362 0 0
SPDR S&P500 ETF US EQUITIES 78462f103   75 176 SH   SOLE   176 0 0
SS&C Technologies Hldgs Inc. US EQUITIES 78467j100   702 13,372 SH   SOLE   13,372 0 0
Schlumberger Ltd US EQUITIES 806857108   7,992 137,087 SH   SOLE   137,087 0 0
Schwab Cap Trs&p 500 Select US EQUITIES 808509855   54 825 SH   SOLE   825 0 0
Southern Co US EQUITIES 842587107   12 200 SH   SOLE   200 0 0
Starbucks Corp US EQUITIES 855244109   5,219 57,187 SH   SOLE   57,187 0 0
Stryker Corp US EQUITIES 863667101   3,037 11,114 SH   SOLE   11,114 0 0
T-Mobile US Inc. US EQUITIES 872590104   9,283 66,356 SH   SOLE   66,356 0 0
Technology Select Sector SPDR US EQUITIES 81369y803   57 350 SH   SOLE   350 0 0
Thermo Fisher Scntfc US EQUITIES 883556102   6,963 13,758 SH   SOLE   13,758 0 0
Tootsie Roll Industries Inc US EQUITIES 890516107   70 2,355 SH   SOLE   2,355 0 0
Ulta Beauty Inc US EQUITIES 90384s303   6,342 15,877 SH   SOLE   15,877 0 0
Unitedhealth Grp Inc US EQUITIES 91324p102   8,176 16,217 SH   SOLE   16,217 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   13 72 SH   SOLE   72 0 0
Vanguard Index Growth ETF US EQUITIES 922908736   16 60 SH   SOLE   60 0 0
Vanguard Star Fd Total Intl. S US EQUITIES 921909768   103 1,930 SH   SOLE   1,930 0 0
Verizon Communications Inc US EQUITIES 92343v104   56 1,744 SH   SOLE   1,744 0 0
Visa Inc. Class A US EQUITIES 92826c839   78 340 SH   SOLE   340 0 0
Wal-Mart Stores Inc US EQUITIES 931142103   914 5,720 SH   SOLE   5,720 0 0
Walt Disney Co US EQUITIES 254687106   194 2,400 SH   SOLE   2,400 0 0
Waste Management Inc US EQUITIES 94106l109   98 645 SH   SOLE   645 0 0
Wells Fargo & Co US EQUITIES 949746101   36 900 SH   SOLE   900 0 0
Xylem Inc US EQUITIES 98419m100   28 310 SH   SOLE   310 0 0
Zebra Technologies Corp Cl A US EQUITIES 989207105   668 2,825 SH   SOLE   2,825 0 0
Zimmer Biomet Holdings US EQUITIES 98956p102   2,691 23,984 SH   SOLE   23,984 0 0
Zoetis Inc. US EQUITIES 98978v103   18 108 SH   SOLE   108 0 0