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
1/100 BERKSHIRE HTWY COMMON 084990175   531,477 100 SH   SOLE   100 0 0
3M CO. COMMON 88579Y101   541,311 5,782 SH   SOLE   5,282 0 500
A T & T INC (NEW) COMMON 00206R102   481,736 32,073 SH   SOLE   28,229 0 3,844
ABBOTT LABS COMMON 002824100   4,407,740 45,511 SH   SOLE   36,463 0 9,048
ABBVIE INC COMMON 00287Y109   6,236,372 41,838 SH   SOLE   38,467 0 3,371
ACCENTURE PLC COMMON G1151C101   33,791,006 110,029 SH   SOLE   77,088 0 32,941
ADOBE SYS INC COMMON 00724F101   12,730,163 24,966 SH   SOLE   20,337 0 4,629
ADVANCED MICRO DEVICE COMMON 007903107   436,985 4,250 SH   SOLE   4,250 0 0
AFLAC INC COMMON 001055102   1,207,508 15,733 SH   SOLE   15,733 0 0
AIR PRODS & CHEMS INC COMMON 009158106   7,456,821 26,312 SH   SOLE   22,931 0 3,381
AKAMAI TECHNOLOGIES I COMMON 00971T101   3,104,043 29,135 SH   SOLE   24,710 0 4,425
ALLSTATE CORP COMMON 020002101   719,709 6,460 SH   SOLE   6,460 0 0
ALPHABET CLASS A COMMON 02079K305   16,606,134 126,900 SH   SOLE   87,130 0 39,770
ALPHABET CLASS C COMMON 02079K107   34,990,090 265,378 SH   SOLE   192,527 0 72,851
AMAZON COM INC COMMON 023135106   5,133,868 40,386 SH   SOLE   28,461 0 11,925
AMERICAN BALANCED FD MUTUAL 024071102   225,415 7,631 SH   SOLE   0 0 7,631
AMERICAN ELECTRIC POW COMMON 025537101   581,827 7,735 SH   SOLE   4,935 0 2,800
AMERICAN EXPRESS CO. COMMON 025816109   2,256,797 15,127 SH   SOLE   12,024 0 3,103
AMERICAN FUNDS WASHIN MUTUAL 939330825   475,581 9,019 SH   SOLE   4,876 0 4,143
AMERICAN GROWTH FD OF MUTUAL 399874825   301,504 5,085 SH   SOLE   3,085 0 2,001
AMERICAN WTR WKS CO I COMMON 030420103   336,570 2,718 SH   SOLE   2,718 0 0
AMERIPRISE FINL INC COMMON 03076C106   2,683,266 8,139 SH   SOLE   8,139 0 0
AMGEN INC COMMON 031162100   4,089,990 15,218 SH   SOLE   14,818 0 400
ANALOG DEVICES INC COMMON 032654105   8,298,215 47,394 SH   SOLE   33,584 0 13,810
AON PLC SHS CL A COMMON G0403H108   15,861,167 48,921 SH   SOLE   37,731 0 11,190
APPLE INC COMMON 037833100   53,216,294 310,825 SH   SOLE   237,017 0 73,808
APPLIED MATLS INC COMMON 038222105   363,431 2,625 SH   SOLE   1,275 0 1,350
AUTOMATIC DATA PROCES COMMON 053015103   7,489,496 31,131 SH   SOLE   20,415 0 10,716
BANK OF AMERICA CORP COMMON 060505104   2,443,966 89,261 SH   SOLE   85,561 0 3,700
BANK OF AMERICA PFD D PREFERR 060505625   4,545,573 215,430 SH   SOLE   160,090 0 55,340
BECTON DICKINSON & CO COMMON 075887109   23,043,148 89,131 SH   SOLE   65,277 0 23,854
BERKSHIRE HATHAWAY IN COMMON 084670702   5,533,339 15,796 SH   SOLE   14,265 0 1,531
BERKSHIRE HATHAWAY IN COMMON 084670108   531,477 1 SH   SOLE   1 0 0
BEST BUY INC COMMON 086516101   2,457,387 35,373 SH   SOLE   25,418 0 9,955
BK OF AMERICA CORP PF PREFERR 060505633   1,070,133 50,983 SH   SOLE   30,283 0 20,700
BLACKROCK INC COMMON 09247X101   673,643 1,042 SH   SOLE   868 0 174
BLACKROCK NATL MUN FD MUTUAL 09253C744   102,865 10,583 SH   SOLE   10,583 0 0
BLACKSTONE GROUP INC COMMON 09260D107   778,586 7,267 SH   SOLE   5,975 0 1,292
BOEING CO. COMMON 097023105   407,512 2,126 SH   SOLE   1,951 0 175
BOND FD AMERICA SHS C MUTUAL 097873822   308,033 28,312 SH   SOLE   28,312 0 0
BOOZ ALLEN HAMILTON H COMMON 099502106   2,264,621 20,725 SH   SOLE   15,300 0 5,425
BRISTOL MYERS SQUIBB COMMON 110122108   2,804,493 48,320 SH   SOLE   40,800 0 7,520
BROADCOM INC COM COMMON 11135F101   10,749,366 12,942 SH   SOLE   12,920 0 22
BROWN & BROWN INC COMMON 115236101   10,101,239 144,634 SH   SOLE   100,484 0 44,150
BURNHAM HLDGS INC CL COMMON 122295108   498,937 40,863 SH   SOLE   40,863 0 0
CARRIER GLOBAL CORPOR COMMON 14448C104   871,553 15,789 SH   SOLE   7,549 0 8,240
CATERPILLAR INC COMMON 149123101   1,292,655 4,735 SH   SOLE   3,585 0 1,150
CDN IMPERIAL BK COMM COMMON 136069101   293,977 7,614 SH   SOLE   7,614 0 0
CDW CORP COMMON 12514G108   2,673,320 13,250 SH   SOLE   13,250 0 0
CHEVRON CORP COMMON 166764100   13,457,552 79,810 SH   SOLE   60,560 0 19,250
CHUBB LIMITED COMMON H1467J104   362,650 1,742 SH   SOLE   1,064 0 678
CHURCH & DWIGHT CO. COMMON 171340102   329,868 3,600 SH   SOLE   0 0 3,600
CICERO INC COMMON 171708100   5 50,000 SH   SOLE   0 0 50,000
CIGNA CORP NEW COM COMMON 125523100   815,013 2,849 SH   SOLE   2,849 0 0
CISCO SYSTEMS INC COMMON 17275R102   9,678,105 180,024 SH   SOLE   142,501 0 37,523
CITIGROUP INC COMMON 172967424   481,063 11,696 SH   SOLE   11,580 0 116
CME GROUP INC COM COMMON 12572Q105   7,407,525 36,997 SH   SOLE   32,263 0 4,734
COCA COLA CO. COMMON 191216100   10,339,209 184,695 SH   SOLE   148,618 0 36,077
COLGATE PALMOLIVE CO COMMON 194162103   3,406,027 47,898 SH   SOLE   37,498 0 10,400
COMCAST CORP NEW CL A COMMON 20030N101   3,473,330 78,334 SH   SOLE   56,674 0 21,660
COMMERCIAL METALS CO COMMON 201723103   494,100 10,000 SH   SOLE   10,000 0 0
CONOCOPHILLIPS COMMON 20825C104   1,132,469 9,453 SH   SOLE   7,569 0 1,884
CONSTELLATION BRANDS COMMON 21036P108   3,254,724 12,950 SH   SOLE   9,245 0 3,705
CORTEVA INC COM COMMON 22052L104   643,695 12,582 SH   SOLE   12,316 0 266
COSTCO WHOLESALE COMMON 22160K105   9,803,751 17,353 SH   SOLE   9,933 0 7,420
CROWN CASTLE INC. COMMON 22822V101   649,088 7,053 SH   SOLE   4,528 0 2,525
CSX CORP COMMON 126408103   2,253,176 73,274 SH   SOLE   73,274 0 0
CULLEN FROST BANKERS COMMON 229899109   4,516,263 49,515 SH   SOLE   34,665 0 14,850
CVS HEALTH CORP. COMMON 126650100   15,085,569 216,064 SH   SOLE   160,094 0 55,970
DANAHER CORP COMMON 235851102   18,697,945 75,365 SH   SOLE   52,587 0 22,778
DARDEN RESTAURANTS IN COMMON 237194105   214,830 1,500 SH   SOLE   1,500 0 0
DEERE & CO. COMMON 244199105   2,567,316 6,803 SH   SOLE   6,803 0 0
DIAGEO PLC COMMON 25243Q205   9,248,414 61,995 SH   SOLE   43,815 0 18,180
DIAMONDBACK ENERGY IN COMMON 25278X109   216,832 1,400 SH   SOLE   1,400 0 0
DIGITAL REALTY TRUST COMMON 253868103   574,845 4,750 SH   SOLE   4,150 0 600
DOMINION RES INC VA COMMON 25746U109   309,032 6,918 SH   SOLE   6,918 0 0
DOVER CORP COMMON 260003108   330,220 2,367 SH   SOLE   2,367 0 0
DOW INC COM COMMON 260557103   259,811 5,039 SH   SOLE   4,623 0 416
DUKE ENERGY CORPORATI COMMON 26441C204   1,454,525 16,480 SH   SOLE   14,080 0 2,400
DUPONT DE NEMOURS INC COMMON 26614N102   212,815 2,853 SH   SOLE   2,437 0 416
EATON CORP PLC SHS COMMON G29183103   6,698,912 31,409 SH   SOLE   31,217 0 192
EATON VANCE NATL MUNS MUTUAL 27826L249   112,319 12,836 SH   SOLE   12,836 0 0
EMERSON ELECTRIC CO COMMON 291011104   707,182 7,323 SH   SOLE   6,215 0 1,108
ENBRIDGE INC COMMON 29250N105   2,755,036 83,008 SH   SOLE   77,105 0 5,903
ENTERPRISE PRODS PART COMMON 293792107   5,100,810 186,365 SH   SOLE   119,925 0 66,440
EOG RESOURCES INC COMMON 26875P101   358,097 2,825 SH   SOLE   2,275 0 550
EQUINIX INC COM COMMON 29444U700   210,615 290 SH   SOLE   60 0 230
EXXON MOBIL COMMON 30231G102   6,037,726 51,350 SH   SOLE   31,938 0 19,412
FEDEX CORP COMMON 31428X106   7,308,803 27,589 SH   SOLE   20,854 0 6,735
FRANKLIN MANAGED TR R MUTUAL 353825805   213,285 2,532 SH   SOLE   0 0 2,532
FRIEDMAN INDS INC COM COMMON 358435105   151,554 11,310 SH   SOLE   11,310 0 0
GENERAL ELECTRIC CO C COMMON 369604301   308,766 2,793 SH   SOLE   1,932 0 861
GENERAL MILLS INC COMMON 370334104   277,077 4,330 SH   SOLE   2,130 0 2,200
GILEAD SCIENCES INC COMMON 375558103   255,152 3,405 SH   SOLE   3,405 0 0
GLOBE LIFE INC COMMON 37959E102   674,126 6,200 SH   SOLE   6,200 0 0
GOLDMAN SACHS GROUP I PREFERR 38144G804   768,847 34,900 SH   SOLE   20,234 0 14,666
GOLDMAN SACHS GROUP I PREFERR 38143Y665   8,065,461 364,953 SH   SOLE   290,653 0 74,300
GULF IS FABRICATION I COMMON 402307102   151,506 46,332 SH   SOLE   46,332 0 0
HERSHEY FOODS CORP COMMON 427866108   1,600,640 8,000 SH   SOLE   2,700 0 5,300
HOME DEPOT INC COMMON 437076102   7,859,686 26,012 SH   SOLE   18,886 0 7,126
HONEYWELL INTL INC COMMON 438516106   8,505,245 46,039 SH   SOLE   36,595 0 9,444
HURCO CO COM COMMON 447324104   324,405 14,463 SH   SOLE   14,463 0 0
ILLINOIS TOOL WORKS I COMMON 452308109   899,361 3,905 SH   SOLE   2,605 0 1,300
INT'L BUSINESS MACHIN COMMON 459200101   1,599,280 11,399 SH   SOLE   6,949 0 4,450
INTEL CORP COMMON 458140100   1,642,446 46,201 SH   SOLE   38,451 0 7,750
INTERCONTINENTAL EXCH COMMON 45866F104   3,947,527 35,880 SH   SOLE   24,195 0 11,685
INTERNATIONAL PAPER C COMMON 460146103   219,205 6,180 SH   SOLE   6,180 0 0
IQVIA HOLDINGS INC COMMON 46266C105   22,372,443 113,710 SH   SOLE   84,490 0 29,220
J P MORGAN CHASE & CO COMMON 46625H100   21,634,632 149,184 SH   SOLE   121,295 0 27,889
JACOBS SOLUTIONS INC COMMON 46982L108   24,378,097 178,594 SH   SOLE   141,724 0 36,870
JOHNSON & JOHNSON COMMON 478160104   20,156,545 129,416 SH   SOLE   99,649 0 29,767
KELLOGG CO. COMMON 487836108   365,987 6,150 SH   SOLE   650 0 5,500
KEYCORP COMMON 493267108   298,590 27,750 SH   SOLE   19,850 0 7,900
KIMBERLY CLARK CORP COMMON 494368103   853,201 7,060 SH   SOLE   7,060 0 0
KRAIG BIOCRAFT LABORA COMMON 50075W104   3,130 100,000 SH   SOLE   100,000 0 0
L3 HARRIS TECHNOLOGIE COMMON 502431109   4,754,521 27,306 SH   SOLE   23,731 0 3,575
LAM RESEARCH CORP COM COMMON 512807108   2,186,174 3,488 SH   SOLE   3,472 0 16
LATTICE INC COMMON 518414107   299 2,993,621 SH   SOLE   2,993,621 0 0
LEIDOS HLDGS INC COMMON 525327102   2,913,362 31,612 SH   SOLE   27,312 0 4,300
LENNAR CORP COMMON 526057104   9,708,509 86,505 SH   SOLE   67,584 0 18,921
LILLY, ELI AND CO COMMON 532457108   3,781,395 7,040 SH   SOLE   6,420 0 620
LINDE PLC SHS COMMON G54950103   4,484,956 12,045 SH   SOLE   9,325 0 2,720
LOCKHEED MARTIN CORP COMMON 539830109   2,436,175 5,957 SH   SOLE   5,957 0 0
LOWE'S COS INC COMMON 548661107   17,407,977 83,757 SH   SOLE   63,259 0 20,498
LYONDELLBASELL INDUST COMMON N53745100   700,780 7,400 SH   SOLE   7,400 0 0
MARATHON PETE CORP COMMON 56585A102   662,869 4,380 SH   SOLE   4,380 0 0
MARSH & MCLENNAN COS COMMON 571748102   482,410 2,535 SH   SOLE   35 0 2,500
MCCORMICK & CO INC COMMON 579780206   219,356 2,900 SH   SOLE   2,900 0 0
MCCORMICK & CO INC CO COMMON 579780107   315,520 4,000 SH   SOLE   0 0 4,000
MCDONALD'S CORP COMMON 580135101   22,982,980 87,242 SH   SOLE   65,900 0 21,342
MEDTRONIC PLC COMMON G5960L103   4,707,555 60,076 SH   SOLE   41,288 0 18,788
MERCK & COMPANY COMMON 58933Y105   5,080,891 49,353 SH   SOLE   46,372 0 2,981
META PLATFORMS INC COMMON 30303M102   9,812,364 32,685 SH   SOLE   22,352 0 10,333
METLIFE INC 4.0 percent PFD PREFERR 59156R504   2,856,568 123,554 SH   SOLE   107,303 0 16,251
METROPOLITAN WEST FDS MUTUAL 592905509   134,211 15,516 SH   SOLE   15,516 0 0
MICROSOFT CORP COMMON 594918104   69,110,683 218,878 SH   SOLE   167,127 0 51,751
MOBILEYE GLOBAL INC C COMMON 60741F104   207,750 5,000 SH   SOLE   5,000 0 0
MONDELEZ INTL INC COMMON 609207105   8,048,804 115,977 SH   SOLE   90,793 0 25,184
MOODYS CORP COMMON 615369105   11,108,572 35,135 SH   SOLE   24,265 0 10,870
MORGAN STANLEY PFD A PREFERR 61747S504   1,614,236 74,595 SH   SOLE   55,995 0 18,600
NESTLE S A REG ADR COMMON 641069406   249,824 2,203 SH   SOLE   1,953 0 250
NETFLIX COM INC COMMON 64110L106   1,482,080 3,925 SH   SOLE   3,803 0 122
NEXTERA ENERGY INC COMMON 65339F101   3,589,677 62,658 SH   SOLE   61,191 0 1,467
NIKE INC CL B COMMON 654106103   5,076,561 53,091 SH   SOLE   38,403 0 14,688
NORFOLK SOUTHERN CORP COMMON 655844108   1,872,017 9,506 SH   SOLE   7,656 0 1,850
NOVARTIS ADR COMMON 66987V109   9,379,065 92,078 SH   SOLE   66,633 0 25,445
NVIDIA CORP COMMON 67066G104   9,680,709 22,255 SH   SOLE   2,930 0 19,325
NXP SEMICONDUCTORS N COMMON N6596X109   1,141,543 5,710 SH   SOLE   5,270 0 440
ONEOK INC NEW COMMON 682680103   5,642,733 88,960 SH   SOLE   70,392 0 18,568
ORACLE SYS CORP COMMON 68389X105   27,169,422 256,509 SH   SOLE   198,754 0 57,755
OTIS WORLDWIDE CORP C COMMON 68902V107   398,177 4,958 SH   SOLE   2,196 0 2,762
PARKER HANNIFIN CORP COMMON 701094104   1,603,654 4,117 SH   SOLE   4,117 0 0
PAYPAL HLDGS INC COMMON 70450Y103   380,341 6,506 SH   SOLE   4,856 0 1,650
PEPSICO INC COMMON 713448108   18,382,975 108,493 SH   SOLE   81,418 0 27,075
PFIZER INC COMMON 717081103   2,301,235 69,377 SH   SOLE   59,182 0 10,195
PHILIP MORRIS INTL IN COMMON 718172109   231,172 2,497 SH   SOLE   2,497 0 0
PHILLIPS 66 COMMON 718546104   1,311,077 10,912 SH   SOLE   10,912 0 0
PIONEER NATURAL RES C COMMON 723787107   8,688,008 37,848 SH   SOLE   29,818 0 8,030
PNC FINANCIAL CORP COMMON 693475105   1,332,050 10,850 SH   SOLE   10,850 0 0
PPG INDUSTRIES INC COMMON 693506107   506,220 3,900 SH   SOLE   2,300 0 1,600
PPL CORP COMMON 69351T106   323,337 13,724 SH   SOLE   13,724 0 0
PROCTER & GAMBLE CO COMMON 742718109   12,932,297 88,662 SH   SOLE   66,153 0 22,509
PROLOGIS INC COM COMMON 74340W103   607,729 5,416 SH   SOLE   5,416 0 0
PRUDENTIAL FINL INC COMMON 744320102   717,382 7,560 SH   SOLE   7,560 0 0
PRUDENTIAL INVT PORTF MUTUAL 74440Y801   97,621 21,502 SH   SOLE   21,502 0 0
QUALCOMM INC COMMON 747525103   3,782,616 34,059 SH   SOLE   29,309 0 4,750
QUANEX BLDG PRODS COR COMMON 747619104   366,210 13,000 SH   SOLE   13,000 0 0
RAYMOND JAMES FINANCI COMMON 754730109   3,708,779 36,929 SH   SOLE   17,550 0 19,379
REGAL BELOIT CORP COM COMMON 758750103   428,640 3,000 SH   SOLE   3,000 0 0
REGENERON PHARMACEUTI COMMON 75886F107   507,766 617 SH   SOLE   117 0 500
RESTAURANT BRANDS INT COMMON 76131D103   363,079 5,450 SH   SOLE   2,550 0 2,900
ROCHE HLDG LTD ADR COMMON 771195104   2,811,337 82,150 SH   SOLE   72,415 0 9,735
ROPER INDS INC NEW CO COMMON 776696106   1,651,395 3,410 SH   SOLE   3,385 0 25
RPM INC OHIO COMMON 749685103   284,430 3,000 SH   SOLE   3,000 0 0
SCHWAB CHARLES CORP COMMON 808513105   12,307,098 224,173 SH   SOLE   155,998 0 68,175
SCHWAB S&P 500 INDEX MUTUAL 808509855   240,565 3,622 SH   SOLE   3,622 0 0
SENECA FOODS CORP NEW COMMON 817070501   1,409,377 26,182 SH   SOLE   26,182 0 0
SIMON PPTY GROUP INC COMMON 828806109   1,841,912 17,050 SH   SOLE   15,000 0 2,050
SIMPSON MFG INC COMMON 829073105   1,647,910 11,000 SH   SOLE   11,000 0 0
SKYWORKS SOLUTIONS IN COMMON 83088M102   315,488 3,200 SH   SOLE   3,200 0 0
SPROTT PHYSICAL GOLD COMMON 85207H104   286,400 20,000 SH   SOLE   20,000 0 0
SPROTT PHYSICAL GOLD COMMON 85208R101   762,080 44,000 SH   SOLE   44,000 0 0
STARBUCKS CORP COMMON 855244109   1,706,384 18,696 SH   SOLE   17,935 0 761
STEEL DYNAMICS INC CO COMMON 858119100   1,447,470 13,500 SH   SOLE   13,500 0 0
STRYKER CORP COMMON 863667101   274,636 1,005 SH   SOLE   1,005 0 0
SUBSEA 7 S A SPONSORE COMMON 864323100   313,727 22,648 SH   SOLE   22,648 0 0
SUPERIOR GOLD INC COM COMMON 86816U106   0 20,000 SH   SOLE   20,000 0 0
S&P GLOBAL INC COM COMMON 78409V104   4,223,485 11,558 SH   SOLE   8,722 0 2,836
T MOBILE US INC COMMON 872590104   6,395,943 45,669 SH   SOLE   33,054 0 12,615
TAIWAN SEMICONDUCTOR COMMON 874039100   225,940 2,600 SH   SOLE   2,300 0 300
TARGET CORP COMMON 87612E106   732,969 6,629 SH   SOLE   6,563 0 66
TESLA MTRS INC COMMON 88160R101   775,932 3,101 SH   SOLE   3,101 0 0
TEXAS INSTRUMENTS INC COMMON 882508104   509,468 3,204 SH   SOLE   1,204 0 2,000
TEXAS PACIFIC LAND CO COMMON 88262P102   3,555,942 1,950 SH   SOLE   1,750 0 200
THERMO FISHER SCIENTI COMMON 883556102   16,726,966 33,046 SH   SOLE   28,376 0 4,670
THOR INDS INC COMMON 885160101   931,798 9,795 SH   SOLE   9,795 0 0
TOLL BROTHERS INC COMMON 889478103   9,355,792 126,498 SH   SOLE   97,383 0 29,115
TORONTO DOMINION BK O COMMON 891160509   581,268 9,646 SH   SOLE   9,646 0 0
TRACTOR SUPPLY CO COMMON 892356106   1,307,642 6,440 SH   SOLE   1,340 0 5,100
TRANE TECHNOLOGIES PL COMMON G8994E103   597,367 2,944 SH   SOLE   2,944 0 0
TRAVELERS COMPANIES I COMMON 89417E109   1,776,486 10,878 SH   SOLE   10,878 0 0
TRUIST FINANCIAL CORP COMMON 89832Q109   6,263,931 218,942 SH   SOLE   166,281 0 52,661
UNILEVER PLC ADR COMMON 904767704   1,067,929 21,618 SH   SOLE   9,618 0 12,000
UNION PACIFIC CORP COMMON 907818108   7,003,447 34,393 SH   SOLE   26,013 0 8,380
UNITED PARCEL SVC INC COMMON 911312106   8,163,068 52,371 SH   SOLE   49,153 0 3,218
UNITEDHEALTH GROUP IN COMMON 91324P102   15,809,886 31,357 SH   SOLE   25,370 0 5,987
US BANCORP DEL 5.56 percent PREFERR 902973155   7,172,248 379,886 SH   SOLE   282,871 0 97,015
VALLEY NATL BANCORP C COMMON 919794107   248,240 29,000 SH   SOLE   29,000 0 0
VANGUARD BD INDEX FD MUTUAL 921937801   289,279 29,579 SH   SOLE   24,596 0 4,983
VANGUARD INDEX FDS MD MUTUAL 922908645   246,060 954 SH   SOLE   954 0 0
VANGUARD INT-TERM INV MUTUAL 922031810   85,158 10,500 SH   SOLE   10,500 0 0
VANGUARD MUN BD FD IN MUTUAL 922907860   203,494 19,990 SH   SOLE   19,990 0 0
VANGUARD MUN BD FD IN MUTUAL 922907704   1,053,019 100,002 SH   SOLE   100,002 0 0
VANGUARD PA TAX FREE MUTUAL 92204L302   170,339 16,815 SH   SOLE   16,815 0 0
VANGUARD STAR FD TL I MUTUAL 921909818   889,429 30,947 SH   SOLE   30,947 0 0
VANGUARD TAX-MANAGED MUTUAL 921943866   977,036 4,409 SH   SOLE   4,409 0 0
VANGUARD US GROWTH FU MUTUAL 921910600   479,540 3,760 SH   SOLE   3,760 0 0
VANGUARD WINDSOR II A MUTUAL 922018304   466,647 6,565 SH   SOLE   6,565 0 0
VANGUARD/PRIMECAP FD MUTUAL 921936209   335,881 2,202 SH   SOLE   1,202 0 1,000
VANGUARD/WELLINGTON F MUTUAL 921935201   1,314,986 19,324 SH   SOLE   6,524 0 12,800
VERIZON COMMUNICATION COMMON 92343V104   5,255,448 162,155 SH   SOLE   124,631 0 37,524
VICTORY PORTFOLIOS II MUTUAL 903287407   449,372 19,735 SH   SOLE   19,735 0 0
VICTORY PORTFOLIOS II MUTUAL 903289106   113,986 10,177 SH   SOLE   10,177 0 0
VISA INC COMMON 92826C839   26,788,805 116,468 SH   SOLE   75,848 0 40,620
WAL MART STORES INC COMMON 931142103   9,808,827 61,332 SH   SOLE   45,682 0 15,650
WALT DISNEY COMPANY COMMON 254687106   5,683,955 70,129 SH   SOLE   46,794 0 23,335
WASTE MGMT INC DEL COMMON 94106L109   2,942,508 19,303 SH   SOLE   19,125 0 178
WATSCO INC COMMON 942622200   8,270,195 21,895 SH   SOLE   17,457 0 4,438
WELLS FARGO & CO COMMON 949746101   5,412,012 132,453 SH   SOLE   103,453 0 29,000
WELLTOWER INC COMMON 95040Q104   397,312 4,850 SH   SOLE   4,850 0 0
WINDROCK LD CO COM ST COMMON 97349V107   1,401,200 2,480 SH   SOLE   2,480 0 0
ZETA GLOBAL HOLDINGS COMMON 98956A105   158,650 19,000 SH   SOLE   19,000 0 0