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 885794101 775 4,421 SH   SOLE   2,321 0 2,100
ABBOTT LABORATORIES COM 002824100 1,441 12,198 SH   SOLE   2,899 0 9,299
ABBVIE INC COM COM 002874109 1,165 10,803 SH   SOLE   5,231 0 5,572
ADOBE SYSTEMS INC COM 00724F101 15,681 27,237 SH   SOLE   19,765 0 7,472
ADSOUTH PARTNERS INC (NV) COM 00737M200 0 10,001 SH   SOLE   0 0 10,001
ALBEMARLE CORP COM 012653101 493 2,250 SH   SOLE   2,250 0 0
ALLIANT ENERGY CORP COM 018802108 415 7,408 SH   SOLE   7,408 0 0
ALPHABET INC CLASS A COM 02079K305 813 304 SH   SOLE   294 0 10
ALPHABET INC CLASS C COM 02079K107 16,312 6,120 SH   SOLE   4,719 0 1,401
AMAZON COM INC COM 023135106 11,445 3,484 SH   SOLE   2,594 0 890
AMERICAN ELECTICAL POWER COMPANY INC COM 025537101 423 5,209 SH   SOLE   5,209 0 0
AMERICAN EXPRESS CORP COM 025816109 2,583 15,420 SH   SOLE   13,100 0 2,320
AMERN TOWER CORP CLASS A COM 03027X100 5,881 22,159 SH   SOLE   16,212 0 5,947
AMGEN INC COM COM 031162100 550 2,585 SH   SOLE   1,785 0 800
ANNALY CAPITAL MANAGEMENT COM 035710409 170 20,200 SH   SOLE   20,200 0 0
APOLLO INVESTMENT GROUP COM 03761U502 162 12,500 SH   SOLE   12,500 0 0
APPLE, INC. COM 037833100 21,227 150,011 SH   SOLE   110,854 0 39,157
AT & T INC COM 00206R102 1,624 60,143 SH   SOLE   47,897 0 12,246
ATHERSYS INC COM 04744L106 30 22,500 SH   SOLE   2,500 0 20,000
ATRION CORP COM 049904105 349 500 SH   SOLE   0 0 500
AUTO DATA PROCESSING COM 053015103 3,789 18,951 SH   SOLE   11,970 0 6,981
AUTOZONE INC COM 053332102 1,652 973 SH   SOLE   825 0 148
BALCHEM CORP COM 057665200 503 3,468 SH   SOLE   2,825 0 643
BALL CORP COM 058498106 315 3,500 SH   SOLE   0 0 3,500
BANKAMERICA CORP COM 060505104 8,996 211,926 SH   SOLE   179,381 0 32,545
THE BANK OF NY MELLON CORP COM 064058100 1,115 21,508 SH   SOLE   19,773 0 1,735
BERKSHIRE BANCORP INC DEL COM COM 084597202 118 10,816 SH   SOLE   10,816 0 0
BLACKROCK MUNIENHANCED FD INC COM 09253Y100 211 6,950 SH   SOLE   6,950 0 0
BOEING CO COM 097023105 1,758 7,995 SH   SOLE   5,952 0 2,043
BP PLC ADR COM 055622104 264 9,676 SH   SOLE   9,301 0 375
BRISTOL-MYERS SQUIBB CO COM 110122108 1,359 22,968 SH   SOLE   20,381 0 2,587
BROADCOM LTD COM Y09827109 6,488 13,379 SH   SOLE   9,035 0 4,344
CABOT OIL & GAS CORP COM 127097103 1,149 52,816 SH   SOLE   45,974 0 6,842
CARDINAL HEALTH INC COM 14149Y108 324 6,551 SH   SOLE   6,551 0 0
CARMAX INC COM 143130102 1,159 9,059 SH   SOLE   6,400 0 2,659
CATERPILLAR INC COM 149123101 793 4,132 SH   SOLE   2,882 0 1,250
CHARLES SCHWAB CORP COM 808513105 208 2,851 SH   SOLE   2,851 0 0
CHEVRON CORP COM 166764100 2,365 23,312 SH   SOLE   16,710 0 6,602
CHIPOTLE MEXICAN GRILL INC. COM COM 169656105 2,348 1,292 SH   SOLE   1,105 0 187
CHUBB LTD COM H1467J104 739 4,262 SH   SOLE   4,013 0 249
CIENA CORP COM 171779309 2,888 56,247 SH   SOLE   52,265 0 3,982
CIGNA CORP COM 125523100 379 1,891 SH   SOLE   1,521 0 370
CISCO SYSTEMS INC COM 17275R102 3,730 68,535 SH   SOLE   59,765 0 8,770
CITRIX SYSTEMS INC COM 177376100 843 7,850 SH   SOLE   7,850 0 0
CMS ENERGY CORP COM 125896100 422 7,065 SH   SOLE   7,065 0 0
COCA COLA COMPANY COM 191216100 388 7,400 SH   SOLE   3,600 0 3,800
COMCAST CORP NEW CL A COM 20030N101 6,300 112,641 SH   SOLE   88,423 0 24,218
COMMERCIAL METALS CO COM 201723103 472 15,495 SH   SOLE   15,495 0 0
CONOCOPHILLIPS COM 20825C104 2,406 35,509 SH   SOLE   25,684 0 9,825
CORNING INC COM 219350105 951 26,057 SH   SOLE   21,532 0 4,525
COSTCO WHSL CORP NEW COM 22160K105 2,600 5,787 SH   SOLE   4,415 0 1,372
CSW INDUSTRIALS INC COM 126402106 410 3,212 SH   SOLE   3,212 0 0
C S X CORP COM 126408103 5,341 179,578 SH   SOLE   146,735 0 32,843
CVS HEALTH CORP COM 126650100 1,564 18,426 SH   SOLE   17,801 0 625
D T E ENERGY COMPANY COM 233331107 425 3,808 SH   SOLE   3,808 0 0
DANAHER CORP COM 235851102 10,258 33,695 SH   SOLE   26,744 0 6,951
DOLLAR GENERAL CORPORATION COM 256677105 4,666 21,996 SH   SOLE   16,009 0 5,987
DOW INC COM 260557103 245 4,263 SH   SOLE   4,222 0 41
DUKE ENERGY CORPORATION COM 26441C204 3,894 39,897 SH   SOLE   29,094 0 10,803
EAGLE POINT CREDIT CO LLC COM 269808101 143 10,500 SH   SOLE   10,500 0 0
ELI LILLY & COMPANY COM 532457108 13,025 56,375 SH   SOLE   16,732 0 39,643
EMERSON ELECTRIC CO COM 291011104 1,670 17,727 SH   SOLE   16,273 0 1,454
ENBRIDGE INC COM 29250N105 1,891 47,462 SH   SOLE   39,270 0 8,192
ENZOLYTICS INC COM 294112107 18 95,000 SH   SOLE   95,000 0 0
EXXON MOBIL CORPORATION COM 30231G102 5,118 87,005 SH   SOLE   65,608 0 21,397
FACEBOOK INC CL A COM 30303M102 12,856 37,881 SH   SOLE   29,202 0 8,679
FEDEX CORPORATION COM 31428X106 3,979 18,144 SH   SOLE   14,864 0 3,280
G6 MATERIALS CORPORATION COM 361333107 2 16,900 SH   SOLE   16,900 0 0
GENERAL ELECTRIC COMPANY COM 369604103 388 3,764 SH   SOLE   524 0 3,240
GOLDMAN SACHS GROUP INC COM 38141G104 1,095 2,897 SH   SOLE   2,847 0 50
HONEYWELL INTERNATIONAL COM 438516106 5,214 24,561 SH   SOLE   18,561 0 6,000
ILLINOIS TOOL WORKS INC COM 452308109 622 3,010 SH   SOLE   1,100 0 1,910
ILLUMINA INC COM 452327109 6,717 16,561 SH   SOLE   12,216 0 4,345
INTEL CORP COM 458140100 3,166 59,421 SH   SOLE   51,255 0 8,166
INTL BUSINESS MACHINES COM 459200101 1,571 11,307 SH   SOLE   7,955 0 3,352
INTL FLAVOR & FRAGRANCES COM 459506101 584 4,367 SH   SOLE   4,367 0 0
INTUITIVE SURGICAL INC NEW COM 46120E602 26,782 26,940 SH   SOLE   100 0 26,840
INVESCO QQQ TR UNIT SER 1 COM 00461E107 1,678 4,687 SH   SOLE   679 0 4,008
IRON MOUNTAIN INC COM 46284V101 278 6,400 SH   SOLE   6,400 0 0
ISHARES TR CORE S&P SMALL-CAP ETF COM 464287804 755 6,915 SH   SOLE   533 0 6,382
ISHARES TR MSCI EAFE ETF COM 464287465 797 10,220 SH   SOLE   5,065 0 5,155
ISHARES TR MSCI EMERGING MKTS INDEX FD COM 464287234 339 6,721 SH   SOLE   4,843 0 1,878
ISHARES NEW YORK MUNI BOND COM 464288323 1,085 18,750 SH   SOLE   18,750 0 0
ISHARES NORTH AMERICAN TECH COM 464287549 327 810 SH   SOLE   0 0 810
ISHARES TR S&P US PFD STK INDE COM 464288687 19,251 496,045 SH   SOLE   391,435 0 104,610
ISHARES US TECHNOLOGY ETF COM 464287721 502 4,960 SH   SOLE   0 0 4,960
JEFFERSONVILLE BANCORP COM 47559A103 606 28,841 SH   SOLE   28,841 0 0
JOHNSON & JOHNSON COM 478160104 4,156 25,732 SH   SOLE   21,040 0 4,692
JOHNSON CONTROLS INTERNATIONAL PLC COM G51502105 202 2,972 SH   SOLE   2,972 0 0
JP MORGAN CHASE & CO COM 46625H100 13,504 82,496 SH   SOLE   61,729 0 20,767
KIMBERLY-CLARK CORP COM 494368103 222 1,675 SH   SOLE   550 0 1,125
L3HARRIS TECHNOLOGIES INC COM 502431109 530 2,406 SH   SOLE   2,121 0 285
LENNAR CORP COM 526057104 698 7,448 SH   SOLE   5,962 0 1,486
LIFE STORAGE INC COM 53223X107 367 3,202 SH   SOLE   600 0 2,602
LINCOLN ELEC HLDGS INC COM 533900106 1,887 14,650 SH   SOLE   12,207 0 2,443
LOCKHEED MARTIN CORP COM 539830109 1,462 4,237 SH   SOLE   2,604 0 1,633
LOWES COMPANIES INC COM 548661107 527 2,598 SH   SOLE   1,813 0 785
LUMEN TECHNOLOGIES COM 156700106 186 15,000 SH   SOLE   15,000 0 0
M & T BANK CORP COM 55261F104 708 4,740 SH   SOLE   4,290 0 450
MAGNA INTERNATIONAL INC COM 559222401 713 9,480 SH   SOLE   8,705 0 775
MARSH & MCLENNAN CO INC COM 571748102 7,262 47,954 SH   SOLE   37,490 0 10,464
MASCO CORP COM 574599106 204 3,670 SH   SOLE   3,100 0 570
MCDONALDS CORP COM 580135101 1,355 5,618 SH   SOLE   3,010 0 2,608
MEDTRONIC PLC COM G5960L103 16,687 133,123 SH   SOLE   22,506 0 110,617
MERCK & CO INC COM 58933Y105 2,810 37,418 SH   SOLE   28,560 0 8,858
METLIFE INC COM 59156R108 347 5,626 SH   SOLE   5,476 0 150
MICROSOFT CORP COM 594918104 32,025 113,595 SH   SOLE   91,821 0 21,774
MODERNA INC COM 60770K107 214 555 SH   SOLE   535 0 20
MONDELEZ INTL INC CL A COM 609207105 1,932 33,204 SH   SOLE   27,050 0 6,154
MORGAN STANLEY COM 617446448 5,141 52,833 SH   SOLE   41,120 0 11,713
NEW RESIDENTIAL INVT CORP COM 64828T201 124 11,300 SH   SOLE   11,300 0 0
NEXTERA ENERGY INC. COM 302571104 1,305 16,626 SH   SOLE   10,234 0 6,392
NIKE INC CLASS B COM 654106103 5,651 38,911 SH   SOLE   27,099 0 11,812
NORFOLK SOUTHERN CORP COM 655844108 568 2,373 SH   SOLE   2,328 0 45
NORTHROP GRUMMAN CORP COM 666807102 960 2,665 SH   SOLE   2,635 0 30
NUVEEN AMT FREE MUNICIPAL CREDIT INCOME FD COM 67071L106 180 10,500 SH   SOLE   10,500 0 0
NUVEEN AMT FREE MUN INCOME FD COM 670657105 334 22,000 SH   SOLE   22,000 0 0
NUVEEN MUN HIGH INCOME OPP FD COM 670682103 170 11,500 SH   SOLE   11,500 0 0
NUVEEN MUNICIPAL CR INCOME FD COM 67070X101 176 10,500 SH   SOLE   10,500 0 0
NUVEEN MUNICIPAL VALUE FUND INC COM 670928100 1,874 165,586 SH   SOLE   161,886 0 3,700
NVIDIA CORP COM 67066G104 13,733 66,293 SH   SOLE   54,963 0 11,330
OCEANFIRST FINL CORP COM 675234108 2,997 140,000 SH   SOLE   140,000 0 0
OGE ENERGY CORP COM 670837103 408 12,366 SH   SOLE   12,366 0 0
ORACLE CORPORATION COM 68389X105 3,002 34,456 SH   SOLE   33,106 0 1,350
ORANGE CNTY BANCORP INC COM 68417L107 22,063 627,690 SH   SOLE   0 0 627,690
OSHKOSH CORP COM 688239201 1,345 13,142 SH   SOLE   9,408 0 3,734
PEPSICO INCORPORATED COM 713448108 7,615 50,631 SH   SOLE   37,631 0 13,000
PERKINELMER INC COM 714046109 3,992 23,035 SH   SOLE   18,013 0 5,022
PFIZER INCORPORATED COM 717081103 6,020 139,976 SH   SOLE   119,349 0 20,627
PHILLIPS 66 COM 718546104 741 10,585 SH   SOLE   7,809 0 2,776
PINNACLE WEST CAPITAL COM 723484101 393 5,435 SH   SOLE   5,435 0 0
PNC FINANCIAL SERVICES COM 693475105 1,593 8,143 SH   SOLE   4,248 0 3,895
PPL CORPORATION COM 69351T106 517 18,547 SH   SOLE   17,647 0 900
PROCTER & GAMBLE CO COM 742718109 2,526 18,071 SH   SOLE   12,981 0 5,090
PROLOGICS INC. COM 74340W103 3,562 28,395 SH   SOLE   23,263 0 5,132
PUBLIC SERVICE ENTERPRISE GROUP INC COM 744573106 444 7,292 SH   SOLE   7,292 0 0
QUALCOMM INC COM 747525103 436 3,380 SH   SOLE   3,380 0 0
RAYTHEON COMPANY NEW COM 755111507 1,116 12,984 SH   SOLE   4,863 0 8,121
RESMED INC COM 761152107 2,899 11,000 SH   SOLE   0 0 11,000
ROYAL CARIBBEAN CRUISES LTD COM V7780T103 1,094 12,301 SH   SOLE   9,478 0 2,823
ROYAL DUTCH SHELL SPON ADR COM 780259206 278 6,230 SH   SOLE   6,080 0 150
SALESFORCE COM COM 79466L302 8,894 32,794 SH   SOLE   24,640 0 8,154
SALTBAE CAPITAL CORP COM 79575K104 0 15,000 SH   SOLE   15,000 0 0
SPDR HEALTH CARE SELECT SECTOR TR COM 81369Y209 275 2,160 SH   SOLE   60 0 2,100
SHERWIN WILLIAMS CO COM 824348106 6,266 22,401 SH   SOLE   15,893 0 6,508
SIMON PROPERTY GROUP INC COM 828806109 206 1,583 SH   SOLE   1,543 0 40
SONOS INC COM 83570H108 332 10,250 SH   SOLE   10,250 0 0
SOUTHWEST AIRLINES CO COM 844741108 1,225 23,826 SH   SOLE   20,645 0 3,181
SPDR S&P 500 ETF TR COM 78462F103 6,009 14,002 SH   SOLE   550 0 13,452
SPDR S&P MIDCAP 400 ETF TR COM 78467Y107 2,132 4,434 SH   SOLE   680 0 3,754
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF COM 78463X889 327 9,019 SH   SOLE   2,350 0 6,669
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463X509 423 9,939 SH   SOLE   2,298 0 7,641
SPDR SER TR BLOOMBERG BARCLAYS INTER TERM CORP BD ETF COM 78464A375 921 25,226 SH   SOLE   4,908 0 20,318
SPDR PORTFOLIO S&P 400 MID CAP ETF COM 78464A847 367 7,952 SH   SOLE   3,538 0 4,414
SPDR PORTFILIO S&P 500 GROWTH COM 78464A409 458 7,154 SH   SOLE   285 0 6,869
SPDR PORTFILIO S&P 500 VALUE COM 78464A508 345 8,849 SH   SOLE   145 0 8,704
SPDR PORTFOLIO S&P 600 SMALL CAP ETF COM 78468R853 742 17,407 SH   SOLE   5,195 0 12,212
SPDR PORTFOLIO SHORT TERM CORPORATE BD ETF COM 78464A474 3,926 125,616 SH   SOLE   2,561 0 123,055
STARBUCKS CORP COM 855244109 4,207 38,138 SH   SOLE   29,640 0 8,498
STERLING BANCORP DEL COM COM 85917A100 4,283 171,581 SH   SOLE   171,581 0 0
SUNOCO LP COM COM 86765K109 448 12,000 SH   SOLE   12,000 0 0
SYSCO CORPORATION COM 871829107 1,031 13,132 SH   SOLE   10,632 0 2,500
T. ROWE PRICE GROUP INC COM 74144T108 595 3,025 SH   SOLE   3,025 0 0
TESLA MTRS INC COM 88160R101 285 367 SH   SOLE   367 0 0
AES CORP COM 00130H105 1,933 84,653 SH   SOLE   77,299 0 7,354
ESTEE LAUDER COMPANIES INC CL A COM 518439104 5,694 18,984 SH   SOLE   13,640 0 5,344
THE HOME DEPOT INC COM 437076102 16,881 51,424 SH   SOLE   41,639 0 9,785
THE KRAFT HEINZ CO COM 500754106 339 9,199 SH   SOLE   8,324 0 875
THERMO FISHER SCIENTIFIC INC. COM 883556102 16,305 28,540 SH   SOLE   22,490 0 6,050
TORONTO DOMINION BK COM 891160509 258 3,900 SH   SOLE   1,700 0 2,200
TRUIST FINANCIAL CORP COM 89832Q109 832 14,190 SH   SOLE   12,950 0 1,240
TWO HARBORS INVESTMENT CORP COM 90187B408 78 12,350 SH   SOLE   12,350 0 0
UNITED HEALTHCARE CORP COM 91324P102 8,507 21,772 SH   SOLE   15,872 0 5,900
UNITIL CORP COM 913259107 375 8,770 SH   SOLE   8,770 0 0
US BANCORP DEL NEW COM 902973304 217 3,650 SH   SOLE   100 0 3,550
VALERO ENERGY CORP COM 91913Y100 413 5,855 SH   SOLE   2,130 0 3,725
VANGUARD ADMIRAL FDS INC S&P SMALLCAP 600 INDEX FD COM 921932828 821 4,075 SH   SOLE   4,075 0 0
VANGUARD EMERGING MARKETS ETF COM 922042858 280 5,605 SH   SOLE   5,605 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF COM 921943858 440 8,710 SH   SOLE   8,635 0 75
VERIZON COMMUNICATIONS COM 92343V104 6,352 117,604 SH   SOLE   94,927 0 22,677
VISA INC COM 92826C839 6,665 29,922 SH   SOLE   20,861 0 9,061
WALGREEN BOOTS ALLIANCE INC COM 931427108 314 6,667 SH   SOLE   6,667 0 0
WAL-MART STORES INC COM 931142103 3,254 23,348 SH   SOLE   15,599 0 7,749
DISNEY WALT CO COM 254687106 7,518 44,442 SH   SOLE   33,282 0 11,160
WILLIAMS COMPANIES COM 969457100 379 14,609 SH   SOLE   14,279 0 330
XCEL ENERGY INC COM 98389B100 380 6,088 SH   SOLE   6,088 0 0
XILINX INC COM 983919101 4,182 27,696 SH   SOLE   20,429 0 7,267