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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO. COM 88579Y101   1,695,000 16,131 SH   SOLE   0 0 16,131
ABBOTT LABORATORIES COM 002824100   9,622,000 95,020 SH   SOLE   0 0 95,020
ABBVIE INC COM 00287Y109   3,125,000 19,610 SH   SOLE   0 0 19,610
ADOBE SYSTEMS INCORPORATED COM 00724F101   5,729,000 14,867 SH   SOLE   0 0 14,867
AFLAC INCORPORATED COM 001055102   219,000 3,400 SH   SOLE   0 0 3,400
AIR PRODUCTS & CHEMICALS COM 009158106   393,000 1,368 SH   SOLE   0 0 1,368
ALLSTATE CORPORATION COM 020002101   544,000 4,908 SH   SOLE   0 0 4,908
ALPHABET INC NON-VOTING CL C COM 02079K107   13,442,000 129,254 SH   SOLE   0 0 129,254
ALPHABET INC VOTING CL A COM 02079K305   1,066,000 10,280 SH   SOLE   0 0 10,280
ALTRIA GROUP COM 02209S103   228,000 5,110 SH   SOLE   0 0 5,110
AMAZON.COM INC COM 023135106   10,902,000 105,546 SH   SOLE   0 0 105,546
AMERICAN ELECTRIC POWER COM 025537101   329,000 3,611 SH   SOLE   0 0 3,611
AMERICAN EXPRESS INC COM 025816109   4,438,000 26,907 SH   SOLE   0 0 26,907
AMGEN INC COM 031162100   1,196,000 4,946 SH   SOLE   0 0 4,946
APPLE INC COM 037833100   28,491,000 172,776 SH   SOLE   0 0 172,776
ARCHER DANIELS MIDLAND CO COM 039483102   1,216,000 15,266 SH   SOLE   0 0 15,266
AT&T CORP NEW COM 00206R102   705,000 36,627 SH   SOLE   0 0 36,627
ATMOS ENERGY CORP COM 049560105   2,719,000 24,196 SH   SOLE   0 0 24,196
BALL CORP COM 058498106   230,000 4,166 SH   SOLE   0 0 4,166
BANK OF AMERICA COM 060505104   1,394,000 48,756 SH   SOLE   0 0 48,756
BANK OF NEW YORK MELLON CORP COM 064058100   618,000 13,596 SH   SOLE   0 0 13,596
BECTON DICKINSON COM 075887109   10,848,000 43,822 SH   SOLE   0 0 43,822
BERKSHIRE HATHAWAY INC DEL CLA COM 084670108   3,725,000 8 SH   SOLE   0 0 8
BERKSHIRE HATHAWAY INC DEL CLA COM 084670702   1,190,000 3,855 SH   SOLE   0 0 3,855
BOEING COM 097023105   2,050,000 9,648 SH   SOLE   0 0 9,648
BP PLC SPONS ADR COM 055622104   208,000 5,476 SH   SOLE   0 0 5,476
BRISTOL-MYERS SQUIBB COMPANY COM 110122108   1,199,000 17,303 SH   SOLE   0 0 17,303
C S X CORPORATION COM 126408103   753,000 25,151 SH   SOLE   0 0 25,151
CABLE ONE INC COM 12685J105   220,000 313 SH   SOLE   0 0 313
CARRIER GLOBAL COM 14448C104   520,000 11,360 SH   SOLE   0 0 11,360
CATERPILLAR INCORPORATED COM 149123101   8,129,000 35,523 SH   SOLE   0 0 35,523
CHEMOURS CO COM 163851108   21,621,000 722,141 SH   SOLE   0 0 722,141
CHEVRON CORP COM 166764100   8,244,000 50,525 SH   SOLE   0 0 50,525
CHURCH & DWIGHT CO INC COM 171340102   13,029,000 147,373 SH   SOLE   0 0 147,373
CISCO SYSTEMS INC COM 17275R102   7,378,000 141,129 SH   SOLE   0 0 141,129
COCA-COLA COMPANY COM 191216100   2,553,000 41,153 SH   SOLE   0 0 41,153
COLGATE-PALMOLIVE COMPANY COM 194162103   417,000 5,552 SH   SOLE   0 0 5,552
COMCAST CORP NEW CL A COM 20030N101   299,000 7,876 SH   SOLE   0 0 7,876
CONOCOPHILLIPS COM 20825C104   611,000 6,155 SH   SOLE   0 0 6,155
CORNING INC. COM 219350105   833,000 23,600 SH   SOLE   0 0 23,600
CORTEVA INC COM 22052L104   71,370,000 1,183,391 SH   SOLE   0 0 1,183,391
CVS CAREMARK CORPORATION COM 126650100   826,000 11,115 SH   SOLE   0 0 11,115
DANAHER CORP COM 235851102   912,000 3,620 SH   SOLE   0 0 3,620
DEERE AND CO. COM 244199105   569,000 1,377 SH   SOLE   0 0 1,377
DENTSPLY SIRONA INC COM 24906P109   782,000 19,896 SH   SOLE   0 0 19,896
DISCOVER FINANCIAL SERVICES COM 254709108   308,000 3,111 SH   SOLE   0 0 3,111
DOMINION RESOURCES INC OF VA COM 25746U109   2,794,000 49,969 SH   SOLE   0 0 49,969
DOVER CORPORATION COM 260003108   416,000 2,735 SH   SOLE   0 0 2,735
DOW CHEMICAL COMPANY (THE) COM 260557103   66,837,000 1,219,205 SH   SOLE   0 0 1,219,205
DTE ENERGY COM 233331107   332,000 3,033 SH   SOLE   0 0 3,033
DU PONT (E.I.) DE NEMOURS & CO COM 263534109   73,761,000 1,027,736 SH   SOLE   0 0 1,027,736
DUKE ENERGY CORP COM 26441C204   1,310,000 13,578 SH   SOLE   0 0 13,578
ELI LILLY & CO COM 532457108   1,828,000 5,322 SH   SOLE   0 0 5,322
ELME COMMUNITIES COM 939653101   918,000 51,390 SH   SOLE   0 0 51,390
EMERSON ELECTRIC CO. COM 291011104   1,227,000 14,077 SH   SOLE   0 0 14,077
ENBRIDGE INC. COM 29250N105   913,000 23,982 SH   SOLE   0 0 23,982
ESSENTIAL UTILITIES INC COM 29670G102   7,465,000 171,018 SH   SOLE   0 0 171,018
EXXON MOBIL CORPORATION COM 30231G102   12,557,000 114,505 SH   SOLE   0 0 114,505
FEDERAL REALTY INV TR S B I COM 313745101   813,000 8,229 SH   SOLE   0 0 8,229
FEDEX CORP COM 31428X106   5,004,000 21,899 SH   SOLE   0 0 21,899
FISERV INC COM 337738108   349,000 3,090 SH   SOLE   0 0 3,090
FNB CORP COM 302520101   145,000 12,510 SH   SOLE   0 0 12,510
FRANKLIN RESOURCES INC COM 354613101   585,000 21,720 SH   SOLE   0 0 21,720
GE HEALTHCARE TECHNOLOGIES COM 36266g107   321,000 3,909 SH   SOLE   0 0 3,909
GENERAL ELECTRIC COMPANY COM 369604301   1,247,000 13,048 SH   SOLE   0 0 13,048
GENERAL MILLS INC COM 370334104   1,223,000 14,315 SH   SOLE   0 0 14,315
GLOBALSTAR INC COM 378973408   17,000 15,000 SH   SOLE   0 0 15,000
GRAHAM HOLDINGS CO. COM 384637104   206,000 346 SH   SOLE   0 0 346
HERSHEY COMPANY COM 427866108   3,075,000 12,087 SH   SOLE   0 0 12,087
HOME DEPOT COM 437076102   1,711,000 5,798 SH   SOLE   0 0 5,798
HONEYWELL INTERNATIONAL INC COM 438516106   5,758,000 30,128 SH   SOLE   0 0 30,128
HP INC COM 40434L105   229,000 7,819 SH   SOLE   0 0 7,819
ILLINOIS TOOL WORKS INC. COM 452308109   14,530,000 59,683 SH   SOLE   0 0 59,683
INTEL CORP COM COM 458140100   4,151,000 127,058 SH   SOLE   0 0 127,058
INTERNATIONAL BUSINESS MACHINE COM 459200101   1,886,000 14,386 SH   SOLE   0 0 14,386
INTERNATIONAL FLAVORS & FRAGRA COM 459506101   12,872,000 139,978 SH   SOLE   0 0 139,978
INTERNATIONAL PAPER CO COM 460146103   206,000 5,709 SH   SOLE   0 0 5,709
INTUIT INC COM 461202103   1,605,000 3,600 SH   SOLE   0 0 3,600
ISHARES MSCI EAFE INDEX COM 464287465   239,000 3,340 SH   SOLE   0 0 3,340
ISHARES NASDAQ BIOTECH INDEX COM 464287556   8,555,000 66,239 SH   SOLE   0 0 66,239
ISHARES RUSSELL 2000 IDX COM 464287655   5,184,000 29,058 SH   SOLE   0 0 29,058
ISHARES RUSSELL MIDCAP INDEX COM 464287499   7,764,000 111,035 SH   SOLE   0 0 111,035
JOHNSON & JOHNSON COM 478160104   16,641,000 107,358 SH   SOLE   0 0 107,358
JPMORGAN CHASE & CO. COM 46625H100   12,652,000 97,092 SH   SOLE   0 0 97,092
KELLOGG COMPANY COM 487836108   2,475,000 36,966 SH   SOLE   0 0 36,966
KIMBERLY-CLARK CORP COM 494368103   2,498,000 18,611 SH   SOLE   0 0 18,611
KIMCO REALTY CORP REIT COM 49446R109   1,158,000 59,309 SH   SOLE   0 0 59,309
LABORATORY CORP OF AMERICA COM 50540R409   1,574,000 6,862 SH   SOLE   0 0 6,862
LINDE PLC COM G54950103   451,000 1,280 SH   SOLE   0 0 1,280
LOCKHEED MARTIN COM 539830109   972,000 2,057 SH   SOLE   0 0 2,057
LOWES COS COM 548661107   17,544,000 87,731 SH   SOLE   0 0 87,731
M & T BANK CORP COM 55261F104   1,620,000 13,550 SH   SOLE   0 0 13,550
MANPOWER INC WISCONSIN COM 56418H100   390,000 4,724 SH   SOLE   0 0 4,724
MARRIOTT INTERNATIONAL, NEW IN COM 571903202   10,257,000 61,775 SH   SOLE   0 0 61,775
MARRIOTT VACATIONS WORLDWIDE C COM 57164Y107   239,000 1,775 SH   SOLE   0 0 1,775
MC DONALD'S CORPORATION COM 580135101   15,578,000 55,714 SH   SOLE   0 0 55,714
MEDTRONIC INC COM G5960L103   497,000 6,165 SH   SOLE   0 0 6,165
MERCK & COMPANY INCORPORATED N COM 58933Y105   9,587,000 90,112 SH   SOLE   0 0 90,112
META PLATFORMS INC COM 30303M102   307,000 1,450 SH   SOLE   0 0 1,450
MICROSOFT CORPORATION COM 594918104   32,536,000 112,855 SH   SOLE   0 0 112,855
MONDELEZ INTL INC COM 609207105   548,000 7,865 SH   SOLE   0 0 7,865
MORGAN STANLEY & CO COM 617446448   774,000 8,820 SH   SOLE   0 0 8,820
MOTOROLA SOLUTIONS, INC COM 620076307   1,432,000 5,004 SH   SOLE   0 0 5,004
NATIONAL FUEL GAS CO COM 636180101   246,000 4,268 SH   SOLE   0 0 4,268
NESTLE SA REG ADR COM 641069406   305,000 2,503 SH   SOLE   0 0 2,503
NEXTERA ENERGY COM 65339F101   8,285,000 107,491 SH   SOLE   0 0 107,491
NIKE INC CLASS B COM 654106103   250,000 2,037 SH   SOLE   0 0 2,037
NORFOLK SOUTHERN CORP COM 655844108   293,000 1,381 SH   SOLE   0 0 1,381
NORTHERN TRUST CORP COM 665859104   917,000 10,400 SH   SOLE   0 0 10,400
NORTHROP GRUMMAN CORP COM 666807102   425,000 920 SH   SOLE   0 0 920
NVIDIA CORP COM 67066G104   2,114,000 7,612 SH   SOLE   0 0 7,612
ORACLE CORP COM 68389X105   718,000 7,729 SH   SOLE   0 0 7,729
OTIS WORLDWIDE INC COM 68902V107   631,000 7,481 SH   SOLE   0 0 7,481
PEPSICO INCORPORATED COM 713448108   17,152,000 94,084 SH   SOLE   0 0 94,084
PFIZER INCORPORATED COM 717081103   1,463,000 35,859 SH   SOLE   0 0 35,859
PHILIP MORRIS INTERNATIONAL COM 718172109   410,000 4,217 SH   SOLE   0 0 4,217
PHILLIPS 66 COM 718546104   236,000 2,325 SH   SOLE   0 0 2,325
PIONEER NAT RES CO COM 723787107   225,000 1,100 SH   SOLE   0 0 1,100
PNC FINANCIAL SERVICES GROUP COM 693475105   681,000 5,356 SH   SOLE   0 0 5,356
POWERSHARES QQQ TR ETF SERIES COM 73935A104   2,017,000 6,286 SH   SOLE   0 0 6,286
PROCTER & GAMBLE COMPANY COM 742718109   18,813,000 126,528 SH   SOLE   0 0 126,528
PSB HOLDING CORP COM 69362L100   273,000 10,772 SH   SOLE   0 0 10,772
PUBLIC SERVICE ENTERPRISE GROU COM 744573106   302,000 4,840 SH   SOLE   0 0 4,840
QUALCOMM INC COM 747525103   202,000 1,584 SH   SOLE   0 0 1,584
RAYTHEON TECHNOLOGIES CORP COM 75513E101   8,341,000 85,176 SH   SOLE   0 0 85,176
SAUL CENTERS INC. COM 804395101   254,000 6,501 SH   SOLE   0 0 6,501
SELECT SECTOR SPDR TR UTILITIE COM 81369Y886   254,000 3,750 SH   SOLE   0 0 3,750
SMUCKER J.M. CO COM 832696405   819,000 5,206 SH   SOLE   0 0 5,206
SOUTHERN COMPANY (THE) COM 842587107   3,059,000 43,963 SH   SOLE   0 0 43,963
SPDR S&P 500 ETF COM 78462F103   462,000 1,128 SH   SOLE   0 0 1,128
SYSCO CORPORATION COM 871829107   1,224,000 15,852 SH   SOLE   0 0 15,852
T ROWE PRICE GROUP INC. COM 74144T108   10,547,000 93,419 SH   SOLE   0 0 93,419
TARGET CORP COM 87612E106   902,000 5,445 SH   SOLE   0 0 5,445
TEXAS INSTRUMENTS COM 882508104   1,443,000 7,758 SH   SOLE   0 0 7,758
THE TJX COMPANIES COM 872540109   313,000 4,000 SH   SOLE   0 0 4,000
THE TRAVELERS COS INC COM 89417E109   675,000 3,939 SH   SOLE   0 0 3,939
THERMO FISHER SCIENTIFIC COM 883556102   612,000 1,061 SH   SOLE   0 0 1,061
TRUIST FINANCIAL CORP COM 89832Q109   326,000 9,571 SH   SOLE   0 0 9,571
UDR INC COM 902653104   804,000 19,571 SH   SOLE   0 0 19,571
UNILEVER PLC SPONS ADR COM 904767704   249,000 4,800 SH   SOLE   0 0 4,800
UNION PACIFIC CORP COM 907818108   6,432,000 31,957 SH   SOLE   0 0 31,957
UNITED HEALTHCARE CORP COM 91324P102   10,776,000 22,801 SH   SOLE   0 0 22,801
UNITED PARCEL SERVICE INC CL B COM 911312106   285,000 1,471 SH   SOLE   0 0 1,471
VANGUARD EMERGING MARKETS ETF COM 922042858   596,000 14,742 SH   SOLE   0 0 14,742
VANGUARD FTSE DEVELOPED MARKET COM 921943858   1,097,000 24,281 SH   SOLE   0 0 24,281
VANGUARD INFORMATION TECHNOLOG COM 92204A702   75,765,000 196,552 SH   SOLE   0 0 196,552
VANGUARD MID CAP ETF COM 922908629   7,370,000 34,943 SH   SOLE   0 0 34,943
VANGUARD REIT ETF COM 922908553   1,773,000 21,355 SH   SOLE   0 0 21,355
VANGUARD S&P ETF COM 922908363   921,000 2,450 SH   SOLE   0 0 2,450
VANGUARD SMALL CAP ETF COM 922908751   5,375,000 28,357 SH   SOLE   0 0 28,357
VANGUARD TOTAL STOCK MARKET COM 922908769   4,967,000 24,337 SH   SOLE   0 0 24,337
VERIZON COMMUNICATIONS COM 92343V104   2,887,000 74,238 SH   SOLE   0 0 74,238
VISA INC CLASS A COM 92826C839   13,036,000 57,818 SH   SOLE   0 0 57,818
VULCAN MATERIALS CO COM 929160109   429,000 2,498 SH   SOLE   0 0 2,498
WAL-MART STORES INC COM 931142103   1,554,000 10,538 SH   SOLE   0 0 10,538
WALGREENS BOOTS ALLIANCE, INC. COM 931427108   426,000 12,305 SH   SOLE   0 0 12,305
WALT DISNEY COMPANY COM 254687106   7,975,000 79,651 SH   SOLE   0 0 79,651
WASTE CONNECTIONS INC COM 94106B101   264,000 1,900 SH   SOLE   0 0 1,900
WASTE MANAGEMENT INC. COM 94106L109   210,000 1,288 SH   SOLE   0 0 1,288
WELLS FARGO & CO. NEW COM 949746101   3,689,000 98,693 SH   SOLE   0 0 98,693
WEYERHAEUSER CO COM 962166104   203,000 6,729 SH   SOLE   0 0 6,729
WHITE MOUNTAINS INS. COM G9618E107   274,000 199 SH   SOLE   0 0 199
YUM BRANDS INC COM 988498101   228,000 1,726 SH   SOLE   0 0 1,726
ZIMMER BIOMET HOLDINGS INC. COM 98956P102   215,000 1,665 SH   SOLE   0 0 1,665