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
Sanofi Aventis ADR ADR 80105N105 11 210 SH   SOLE   210 0 0
3d Systems Corp COMMON 88554D205 1 100 SH   SOLE   100 0 0
3M Company COMMON 88579Y101 34 217 SH   SOLE   217 0 0
A F L A C Inc. COMMON 001055102 84 2,344 SH   SOLE   2,344 0 0
Abbott Laboratories COMMON 002824100 1,012 11,072 SH   SOLE   11,072 0 0
AbbVie Inc. COMMON 00287Y109 781 7,950 SH   SOLE   7,950 0 0
Aberdeen Asia Pac Income Fd COMMON 003009107 153 40,073 SH   SOLE   40,073 0 0
Aberdeen Physical Swiss Gold ETF ETF 00326A104 7 400 SH   SOLE   400 0 0
Accenture Ltd Cl A F COMMON G1151C101 56 261 SH   SOLE   261 0 0
ACNB Corporation COMMON 000868109 35 1,321 SH   SOLE   1,321 0 0
Activision Inc. COMMON 00507V109 449 5,918 SH   SOLE   5,918 0 0
Air Products & Chemicals Inc. COMMON 009158106 191 789 SH   SOLE   789 0 0
Alaska Air Group Inc. COMMON 011659109 4 100 SH   SOLE   100 0 0
Allegion Public Ltd Co COMMON G0176J109 20 200 SH   SOLE   200 0 0
Alliant Energy Corp COMMON 018802108 757 15,824 SH   SOLE   15,824 0 0
Allstate COMMON 020002101 138 1,426 SH   SOLE   1,426 0 0
Alphabet, Inc Cl C COMMON 02079K107 2,225 1,574 SH   SOLE   1,532 0 42
Alphabet, Inc. Cl A COMMON 02079K305 1,132 798 SH   SOLE   756 0 42
Altria Group Inc. COMMON 02209S103 18 464 SH   SOLE   464 0 0
Amarin Corp Plc New ADR ADR 023111206 16 2,325 SH   SOLE   2,325 0 0
Amazon.Com COMMON 023135106 301 109 SH   SOLE   109 0 0
AMC Entertainment COMMON 00165C104 2 512 SH   SOLE   512 0 0
Amc Networks Inc Cl A COMMON 00164V103 89 3,813 SH   SOLE   3,813 0 0
America Movil L ADR ADR 02364W105 46 3,600 SH   SOLE   3,600 0 0
American Express Company COMMON 025816109 185 1,946 SH   SOLE   1,946 0 0
American Tower REIT REIT 03027X100 20 77 SH   SOLE   77 0 0
Amerisource Bergen Corp. COMMON 03073E105 36 360 SH   SOLE   360 0 0
Amgen Incorporated COMMON 031162100 205 869 SH   SOLE   869 0 0
Amkor Technology Inc COMMON 031652100 693 56,283 SH   SOLE   56,283 0 0
Analog Devices Inc. COMMON 032654105 12 95 SH   SOLE   95 0 0
Anheuser Busch Co., Inc. COMMON 03524A108 1 20 SH   SOLE   20 0 0
Annaly Mortgage Mgmt REIT REIT 035710409 23 3,520 SH   SOLE   3,520 0 0
Anthem Inc COMMON 036752103 43 165 SH   SOLE   165 0 0
Apple Inc. COMMON 037833100 3,264 8,948 SH   SOLE   8,660 0 288
Archer-Daniels-Midland Inc. COMMON 039483102 151 3,786 SH   SOLE   2,907 0 879
Arrowhead Pharma Inc COMMON 04280A100 14 320 SH   SOLE   320 0 0
Astec Industries COMMON 046224101 339 7,322 SH   SOLE   7,322 0 0
AstraZeneca plc ADR ADR 046353108 1,374 25,978 SH   SOLE   25,978 0 0
AT&T Inc. COMMON 00206R102 2,730 90,318 SH   SOLE   89,558 0 760
Atlas Air Worldwide Hldg COMMON 049164205 175 4,059 SH   SOLE   4,059 0 0
Auto Data Processing COMMON 053015103 226 1,518 SH   SOLE   1,518 0 0
Autoliv Inc COMMON 052800109 4 62 SH   SOLE   62 0 0
Baidu Inc ADR ADR 056752108 518 4,318 SH   SOLE   4,318 0 0
Ball Corp COMMON 058498106 49 712 SH   SOLE   712 0 0
Bank of America Corp COMMON 060505104 77 3,238 SH   SOLE   3,238 0 0
Bank of New York Mellon COMMON 064058100 72 1,867 SH   SOLE   1,867 0 0
Bar Harbor Bankshare COMMON 066849100 13 573 SH   SOLE   573 0 0
Baxter International COMMON 071813109 1,032 11,988 SH   SOLE   11,988 0 0
BCE Inc. COMMON 05534B760 364 8,720 SH   SOLE   8,720 0 0
Becton Dickinson & Co COMMON 075887109 141 591 SH   SOLE   591 0 0
Berkshire Hathaway Cl B COMMON 084670702 1,850 10,364 SH   SOLE   9,428 0 936
BHP Billiton Ltd. ADR ADR 088606108 17 333 SH   SOLE   333 0 0
Biogen Idec Inc COMMON 09062X103 140 525 SH   SOLE   525 0 0
Biomarin Pharmaceutical Inc COMMON 09061G101 25 200 SH   SOLE   200 0 0
Black Rock Resources Tr COMMON 09257A108 7 1,163 SH   SOLE   1,163 0 0
Blackrock Inc COMMON 09247X101 35 65 SH   SOLE   65 0 0
Blkrck Muniyield Qlty Fd COMMON 09254F100 20 1,300 SH   SOLE   1,300 0 0
Boeing Co. COMMON 097023105 2,164 11,807 SH   SOLE   11,596 0 211
Booking Holdings Inc COMMON 09857L108 10 6 SH   SOLE   6 0 0
Borg Warner Inc COMMON 099724106 1,023 28,986 SH   SOLE   28,986 0 0
BP plc ADR ADR 055622104 19 808 SH   SOLE   808 0 0
Bristol Myers COMMON 110122108 2,324 39,525 SH   SOLE   39,051 0 474
Bristol Myers Squibb COMMON 110122157 0 129 SH   SOLE   129 0 0
Broadridge Finl Solution COMMON 11133T103 88 700 SH   SOLE   700 0 0
Canadian Natl Ry Co COMMON 136375102 24 275 SH   SOLE   275 0 0
Capital One Financial COMMON 14040H105 24 377 SH   SOLE   377 0 0
CarMax Inc COMMON 143130102 52 584 SH   SOLE   584 0 0
Carrier Global Corp-Wi COMMON 14448C104 48 2,154 SH   SOLE   2,154 0 0
Caterpillar COMMON 149123101 1,543 12,198 SH   SOLE   12,198 0 0
CBRE Group Inc COMMON 12504L109 158 3,485 SH   SOLE   3,485 0 0
CDK Global Inc COMMON 12508E101 17 400 SH   SOLE   400 0 0
Centerpoint Energy Inc COMMON 15189T107 88 4,690 SH   SOLE   3,690 0 1,000
CenturyLink Inc COMMON 156700106 136 13,526 SH   SOLE   13,526 0 0
Cerner Corp COMMON 156782104 8 120 SH   SOLE   120 0 0
Charter Communications Inc COMMON 16119P108 317 621 SH   SOLE   621 0 0
Chemed Corp. COMMON 16359R103 2,046 4,536 SH   SOLE   4,536 0 0
Chevron Corp. COMMON 166764100 588 6,595 SH   SOLE   6,595 0 0
China Automotive Systems Inc COMMON 16936R105 80 27,705 SH   SOLE   27,705 0 0
Chubb Limited COMMON H1467J104 122 966 SH   SOLE   966 0 0
Cigna Corp COMMON 125523100 153 817 SH   SOLE   817 0 0
Cincinnati Financial Corp COMMON 172062101 25 390 SH   SOLE   390 0 0
Cisco Systems, Inc. COMMON 17275R102 3,413 73,173 SH   SOLE   71,210 0 1,963
Citigroup COMMON 172967424 360 7,042 SH   SOLE   7,042 0 0
CME Group Inc. COMMON 12572Q105 550 3,385 SH   SOLE   3,385 0 0
Coca-Cola Co COMMON 191216100 2,338 52,327 SH   SOLE   50,819 0 1,508
Colgate-Palmolive COMMON 194162103 145 1,980 SH   SOLE   1,980 0 0
Comcast Corp. COMMON 20030N101 68 1,744 SH   SOLE   1,744 0 0
Comerica Incorporated COMMON 200340107 76 2,000 SH   SOLE   2,000 0 0
Community Bank System COMMON 203607106 758 13,291 SH   SOLE   12,391 0 900
Conoco Phillips COMMON 20825C104 486 11,563 SH   SOLE   11,563 0 0
Consolidated Edison Inc. COMMON 209115104 175 2,439 SH   SOLE   2,439 0 0
Constellation Brand Cl Aclass A COMMON 21036P108 17 100 SH   SOLE   100 0 0
Corning COMMON 219350105 3,854 148,788 SH   SOLE   148,119 0 669
Corp Office Pptys REIT REIT 22002T108 9 343 SH   SOLE   343 0 0
Corteva Inc com COMMON 22052L104 24 912 SH   SOLE   912 0 0
Costco COMMON 22160K105 3,171 10,458 SH   SOLE   10,181 0 277
CSX Corp COMMON 126408103 73 1,053 SH   SOLE   1,053 0 0
CVS Corp COMMON 126650100 851 13,106 SH   SOLE   12,944 0 162
Danaher Corp COMMON 235851102 27 150 SH   SOLE   150 0 0
Deep Value ETF ETF 26922A701 18 811 SH   SOLE   811 0 0
Deere & Company COMMON 244199105 438 2,787 SH   SOLE   2,787 0 0
Devon Energy Corp COMMON 25179M103 78 6,877 SH   SOLE   6,877 0 0
Diageo PLC ADR ADR 25243Q205 8 59 SH   SOLE   59 0 0
Dick's Sporting Goods Inc COMMON 253393102 0 8 SH   SOLE   8 0 0
Digital Realty Trust REIT REIT 253868103 487 3,429 SH   SOLE   3,429 0 0
Dominion Resources COMMON 25746U109 562 6,922 SH   SOLE   5,506 0 1,416
Dover Corporation COMMON 260003108 48 500 SH   SOLE   500 0 0
Dow In COMMON 260557103 119 2,916 SH   SOLE   2,916 0 0
Dr Reddys Labs ADR ADR 256135203 549 10,361 SH   SOLE   10,361 0 0
Dropbox Inc Cl A COMMON 26210C104 4 172 SH   SOLE   172 0 0
Duke Energy Corp. COMMON 26441C204 2,208 27,632 SH   SOLE   26,216 0 1,416
E Bay Inc. COMMON 278642103 19 355 SH   SOLE   355 0 0
E I DuPont COMMON 26614N102 70 1,314 SH   SOLE   1,314 0 0
East West Bancorp COMMON 27579R104 679 18,742 SH   SOLE   18,742 0 0
Eastman Chemical Co. COMMON 277432100 14 200 SH   SOLE   200 0 0
Eaton Corp. COMMON G29183103 161 1,848 SH   SOLE   1,848 0 0
Ecolab Inc. COMMON 278865100 52 263 SH   SOLE   263 0 0
Edison International COMMON 281020107 6 104 SH   SOLE   104 0 0
Electronic Arts Inc COMMON 285512109 1 10 SH   SOLE   10 0 0
Eli Lilly & Co. COMMON 532457108 870 5,298 SH   SOLE   5,298 0 0
Embraer S.A. COMMON 29082A107 66 11,045 SH   SOLE   11,045 0 0
Emerson Electric Co. COMMON 291011104 1,506 24,274 SH   SOLE   23,424 0 850
Enbridge Inc Com COMMON 29250N105 8 250 SH   SOLE   250 0 0
Enterprise Products Prtn LP COMMON 293792107 24 1,324 SH   SOLE   1,324 0 0
Equity Residential Prop. REIT REIT 29476L107 265 4,503 SH   SOLE   4,503 0 0
Essential utilities ord COMMON 29670G102 120 2,830 SH   SOLE   2,830 0 0
ETFMG Alternative Harvest ETF ETF 26924G508 11 857 SH   SOLE   857 0 0
Etho Climate Leader US ETF ETF 26924G888 38 920 SH   SOLE   920 0 0
Exelon Corp. COMMON 30161N101 18 489 SH   SOLE   489 0 0
Expeditors Int'l of Washington COMMON 302130109 57 745 SH   SOLE   745 0 0
Exxon Mobil Corporation COMMON 30231G102 991 22,170 SH   SOLE   20,595 0 1,575
Facebook Inc Class A COMMON 30303M102 131 575 SH   SOLE   575 0 0
Fedex Corporation COMMON 31428X106 978 6,972 SH   SOLE   6,753 0 219
First Bancorp Inc Me COMMON 31866P102 13 600 SH   SOLE   600 0 0
First Solar Inc COMMON 336433107 877 17,714 SH   SOLE   17,714 0 0
Fortinet Inc COMMON 34959E109 57 415 SH   SOLE   415 0 0
Fortune Brands Home & Security COMMON 34964C106 20 306 SH   SOLE   306 0 0
FS KKR Capital Corp COMMON 302635206 14 1,025 SH   SOLE   1,025 0 0
Gallagher Arthur J & Co COMMON 363576109 78 800 SH   SOLE   800 0 0
General Dynamics Corp. COMMON 369550108 15 103 SH   SOLE   103 0 0
General Electric Co. COMMON 369604103 726 106,236 SH   SOLE   101,536 0 4,700
General Mills, Inc. COMMON 370334104 109 1,766 SH   SOLE   1,766 0 0
Genuine Parts Co COMMON 372460105 22 250 SH   SOLE   250 0 0
Gilead Sciences Inc COMMON 375558103 445 5,787 SH   SOLE   5,787 0 0
Glaxo Smithkline ADR ADR 37733W105 1,376 33,730 SH   SOLE   33,730 0 0
Global Payments Inc COMMON 37940X102 38 223 SH   SOLE   223 0 0
Goldman Sachs 5.5 Pfd COMMON 38145G308 7 273 SH   SOLE   273 0 0
Goldman Sachs Group Inc COMMON 38141G104 215 1,086 SH   SOLE   1,086 0 0
Gopro Inc COMMON 38268T103 0 5 SH   SOLE   5 0 0
Guggenheim S&P Global Water Index COMMON 46138E651 7 195 SH   SOLE   195 0 0
Gw Pharmaceutic Plc COMMON 36197T103 4 30 SH   SOLE   30 0 0
Halliburton Company COMMON 406216101 31 2,372 SH   SOLE   2,372 0 0
Hanesbrands Inc. COMMON 410345102 998 88,428 SH   SOLE   85,788 0 2,640
Hannon Armstrong Sus REIT REIT 41068X100 4 130 SH   SOLE   130 0 0
Harsco COMMON 415864107 106 7,813 SH   SOLE   7,813 0 0
Hershey Foods Corp COMMON 427866108 118 907 SH   SOLE   907 0 0
Hewlett Packard Ente COMMON 42824C109 12 1,200 SH   SOLE   1,200 0 0
Home Depot COMMON 437076102 210 839 SH   SOLE   839 0 0
Honda Motor Co. ADR ADR 438128308 8 300 SH   SOLE   300 0 0
Honeywell International COMMON 438516106 573 3,963 SH   SOLE   3,963 0 0
Hope Bancorp Inc COMMON 43940T109 54 5,854 SH   SOLE   5,854 0 0
HSBC Holdings PLC ADR ADR 404280406 19 809 SH   SOLE   809 0 0
Humana COMMON 444859102 660 1,702 SH   SOLE   1,702 0 0
IBM Corp. COMMON 459200101 1,315 10,892 SH   SOLE   10,768 0 124
IdaCorp Inc. COMMON 451107106 24 271 SH   SOLE   271 0 0
Idexx Labs Inc. COMMON 45168D104 19 57 SH   SOLE   57 0 0
Illinois Tool Works COMMON 452308109 185 1,059 SH   SOLE   1,059 0 0
Imperial Oil Ltd COMMON 453038408 59 3,645 SH   SOLE   3,645 0 0
India Fund COMMON 454089103 32 2,057 SH   SOLE   2,057 0 0
Ingersoll Rand Inc COMMON 45687V106 38 1,361 SH   SOLE   1,361 0 0
Integer Holdings Corp COMMON 45826H109 964 13,191 SH   SOLE   12,702 0 489
Intel Corp. COMMON 458140100 1,186 19,829 SH   SOLE   19,829 0 0
Interface Inc COMMON 458665304 27 3,284 SH   SOLE   3,284 0 0
Intuit COMMON 461202103 26 87 SH   SOLE   87 0 0
Invesco Cleantech ETF ETF 46137V407 45 920 SH   SOLE   920 0 0
Invesco Global Water ETF ETF 46138E651 9 300 SH   SOLE   300 0 0
Iron Mountain Inc REIT ETF 46284V101 95 3,639 SH   SOLE   3,639 0 0
iShares Core MSCI ETF ETF 46434G103 6 119 SH   SOLE   119 0 0
iShares DJ US Financial ETF ETF 464287788 61 554 SH   SOLE   554 0 0
iShares Dow J. Healthcare ETF ETF 464287762 141 654 SH   SOLE   654 0 0
Ishares Gold ETF ETF 464285105 265 15,609 SH   SOLE   15,609 0 0
iShares Lehman Agg Bond Fd ETF ETF 464287226 23 195 SH   SOLE   195 0 0
iShares MSCI EAFE ETF ETF 464287465 354 5,811 SH   SOLE   5,811 0 0
iShares MSCI Emerg Esg ETF ETF 46434G863 361 11,254 SH   SOLE   11,254 0 0
iShares MSCI Emerging Market ETF ETF 464287234 14 349 SH   SOLE   349 0 0
iShares MSCI Japan Index ETF ETF 46434G822 24 437 SH   SOLE   437 0 0
iShares MSCI Taiwan Index ETF ETF 46434G772 176 4,382 SH   SOLE   3,982 0 400
iShares NASDAQ Biotech ETF ETF 464287556 1,063 7,779 SH   SOLE   7,513 0 266
iShares Russell 1000 Val ETF ETF 464287598 3,050 27,086 SH   SOLE   27,086 0 0
iShares Russell 2000 Growth ETF ETF 464287648 11 54 SH   SOLE   54 0 0
Ishares Russell 2000 Value ETF ETF 464287630 15 151 SH   SOLE   151 0 0
iShares Russell Midcap Grth ETF ETF 464287481 50 314 SH   SOLE   314 0 0
iShares Russell Midcap Val. Idx ETF ETF 464287473 14 187 SH   SOLE   187 0 0
iShares S&P 500 Index ETF ETF 464287200 351 1,132 SH   SOLE   1,132 0 0
iShares S&P Midcap 400 Index ETF ETF 464287507 77 434 SH   SOLE   434 0 0
iShares S&P Mid-Cap Grow ETF ETF 464287606 22 99 SH   SOLE   99 0 0
iShares S&P Sm Cap Idx 600 ETF ETF 464287804 196 2,876 SH   SOLE   2,150 0 726
iShares S&P U S Pfd Stk ETF ETF 464288687 5 153 SH   SOLE   153 0 0
iShares Select Dividend Idx ETF ETF 464287168 75 932 SH   SOLE   932 0 0
iShares Short-Term National Muni Bond ETF 464288158 79 735 SH   SOLE   735 0 0
iShares TIPS Bond ETF ETF 464287176 648 5,270 SH   SOLE   5,047 0 223
iShares Tr China 25 Index ETF ETF 464287184 59 1,498 SH   SOLE   1,498 0 0
iShares Tr DJ U S Tech Sector ETF ETF 464287721 157 583 SH   SOLE   583 0 0
Ishares Tr Intrm Tr Crp Etf ETF 464288638 65 1,080 SH   SOLE   1,080 0 0
iShares Tr S&P Europe 350 ETF ETF 464287861 12 300 SH   SOLE   300 0 0
J M Smuckers Co. COMMON 832696405 0 4 SH   SOLE   4 0 0
Jacobs Engineering Group Inc COMMON 469814107 26 303 SH   SOLE   303 0 0
JetBlue Airways Corp. COMMON 477143101 16 1,435 SH   SOLE   1,435 0 0
JinkoSolar Hldg ADR ADR 47759T100 29 1,657 SH   SOLE   1,657 0 0
Johnson & Johnson COMMON 478160104 1,981 14,090 SH   SOLE   13,336 0 754
JP Morgan Chase & Co COMMON 46625H100 1,805 19,185 SH   SOLE   18,303 0 882
Kansas City Southern COMMON 485170302 30 202 SH   SOLE   202 0 0
Kimberly-Clark Corp. COMMON 494368103 224 1,585 SH   SOLE   1,585 0 0
KLA-Tencor Corporation COMMON 482480100 41 213 SH   SOLE   213 0 0
Kohls Corp. COMMON 500255104 3 135 SH   SOLE   135 0 0
Kon Philips Electric NV COMMON 500472303 162 3,466 SH   SOLE   3,466 0 0
Korea Elec Power Co COMMON 500631106 37 4,584 SH   SOLE   4,584 0 0
Kraft Heinz Company COMMON 500754106 921 28,885 SH   SOLE   27,705 0 1,180
KraneShares CSI China Internet ETF ETF 500767306 276 4,455 SH   SOLE   4,455 0 0
Laboratory Corp of America Hlds COMMON 50540R409 154 927 SH   SOLE   832 0 95
Liberty Broadband Corp COMMON 530307305 22 174 SH   SOLE   174 0 0
Liberty Formula One Group COMMON 531229854 20 631 SH   SOLE   631 0 0
Lowes Companies Inc. COMMON 548661107 110 815 SH   SOLE   660 0 155
M K S Instruments Inc. COMMON 55306N104 804 7,101 SH   SOLE   7,101 0 0
Magellan Midstream Ptnrs COMMON 559080106 11 260 SH   SOLE   260 0 0
Marathon Petroleum Corp COMMON 56585A102 64 1,706 SH   SOLE   1,706 0 0
Marsh & McLennan Co's COMMON 571748102 18 163 SH   SOLE   163 0 0
Mastercard Inc COMMON 57636Q104 56 189 SH   SOLE   189 0 0
McDonald's Corp COMMON 580135101 381 2,064 SH   SOLE   2,064 0 0
McKesson Corp. COMMON 58155Q103 1,107 7,213 SH   SOLE   6,809 0 404
Medtronic Inc. COMMON G5960L103 1,343 14,649 SH   SOLE   14,143 0 506
Melco Resorts & Enertain ADR ADR 585464100 368 23,694 SH   SOLE   23,694 0 0
Merck COMMON 58933Y105 1,979 25,587 SH   SOLE   24,000 0 1,587
Micron Technology COMMON 595112103 16 306 SH   SOLE   306 0 0
Microsoft COMMON 594918104 9,035 44,395 SH   SOLE   43,221 0 1,174
Moderna Inc COMMON 60770K107 2 25 SH   SOLE   25 0 0
Mohawk Industries Inc COMMON 608190104 48 474 SH   SOLE   474 0 0
Mondelez Int'l Inc. COMMON 609207105 752 14,701 SH   SOLE   14,701 0 0
Morgan Stanley Dean Witter COMMON 617446448 15 312 SH   SOLE   312 0 0
National Grid Plc ADR ADR 636274409 362 5,957 SH   SOLE   5,957 0 0
National Storage Aff REIT REIT 637870106 6 200 SH   SOLE   200 0 0
Natus Medical Incorporated COMMON 639050103 26 1,200 SH   SOLE   1,200 0 0
NCR Corporation COMMON 62886E108 940 54,297 SH   SOLE   54,297 0 0
New Oriental Ed ADR ADR 647581107 33 250 SH   SOLE   250 0 0
Nextera Energy COMMON 65339F101 447 1,863 SH   SOLE   1,863 0 0
Nextgen Healthcare Inc COMMON 65343C102 90 8,170 SH   SOLE   8,170 0 0
Nike, Inc. COMMON 654106103 235 2,395 SH   SOLE   2,395 0 0
Norfolk Southern COMMON 655844108 236 1,344 SH   SOLE   1,344 0 0
Northrop Grumman Corp COMMON 666807102 110 358 SH   SOLE   358 0 0
Novartis Ag ADR ADR 66987V109 94 1,076 SH   SOLE   1,076 0 0
Nucor Corp COMMON 670346105 12 280 SH   SOLE   280 0 0
Nutrien Ltd COMMON 67077M108 123 3,844 SH   SOLE   3,556 0 288
Nuveen Muni Value Fd Inc. COMMON 670928100 68 6,640 SH   SOLE   0 0 6,640
Nvent Electric Plc Shs COMMON G6700G107 13 700 SH   SOLE   700 0 0
Nvidia Corp COMMON 67066G104 3 8 SH   SOLE   8 0 0
Occidental Petroleum Corp. COMMON 674599105 3 175 SH   SOLE   175 0 0
Oceaneering Int'l Inc COMMON 675232102 19 2,980 SH   SOLE   2,980 0 0
Omnicom Group Inc COMMON 681919106 6 102 SH   SOLE   102 0 0
Oneok Inc New COMMON 682680103 597 17,979 SH   SOLE   17,979 0 0
Oracle COMMON 68389X105 80 1,449 SH   SOLE   1,449 0 0
OTIS Worldwide Corp-Wi COMMON 68902V107 61 1,075 SH   SOLE   1,075 0 0
P P G Industries Inc. COMMON 693506107 217 2,048 SH   SOLE   2,048 0 0
Parker Hannifin Corp COMMON 701094104 102 555 SH   SOLE   555 0 0
Paypal Holdings COMMON 70450Y103 13 75 SH   SOLE   75 0 0
Pentair PLC COMMON G7S00T104 20 523 SH   SOLE   523 0 0
Peoples United Finl Inc COMMON 712704105 2,125 183,632 SH   SOLE   180,670 0 2,962
Pepsico, Inc. COMMON 713448108 619 4,682 SH   SOLE   4,682 0 0
Pfizer Inc. COMMON 717081103 3,782 115,649 SH   SOLE   113,493 0 2,156
Philip Morris Intl Inc COMMON 718172109 55 787 SH   SOLE   787 0 0
Phillips 66 SHS COMMON 718546104 522 7,256 SH   SOLE   7,106 0 150
PIMCO Intermediate Muni Bond ETF ETF 72201R866 701 12,601 SH   SOLE   11,124 0 1,477
Plantronics Inc. COMMON 727493108 152 10,359 SH   SOLE   10,359 0 0
PNC Financial Services Group Inc. COMMON 693475105 184 1,751 SH   SOLE   1,751 0 0
Powershares FTSE RAFI ETF ETF 46137V613 59 546 SH   SOLE   546 0 0
PowerShares QQQ Trust Sr 1 ETF ETF 46090E103 74 300 SH   SOLE   300 0 0
PPL Corporation COMMON 69351T106 12 466 SH   SOLE   466 0 0
Procter & Gamble COMMON 742718109 1,763 14,741 SH   SOLE   14,283 0 458
Prudential Financial Inc. COMMON 744320102 6 100 SH   SOLE   100 0 0
Public Storage, Inc. COMMON 74460D109 65 339 SH   SOLE   339 0 0
Public Sv Enterprise COMMON 744573106 174 3,536 SH   SOLE   3,536 0 0
Qorvo Inc COMMON 74736K101 1,668 15,087 SH   SOLE   15,087 0 0
Qualcomm Inc. COMMON 747525103 23 250 SH   SOLE   250 0 0
Raytheon Technologies Ord COMMON 75513E101 200 3,245 SH   SOLE   3,245 0 0
Reaves Utility Income Fd COMMON 756158101 9 300 SH   SOLE   300 0 0
Republic Services Inc COMMON 760759100 44 537 SH   SOLE   537 0 0
Rockwell Automation COMMON 773903109 259 1,216 SH   SOLE   1,216 0 0
Royal Dutch Shell ADR ADR 780259206 1,248 38,181 SH   SOLE   37,706 0 475
Royce Micro-Cap Trust COMMON 780915104 25 3,502 SH   SOLE   3,502 0 0
Rydex S&P 500 Eq Wgt ETF COMMON 46137V357 66 645 SH   SOLE   645 0 0
Sabre Corporation COMMON 78573M104 467 57,963 SH   SOLE   57,963 0 0
Salesforce Com COMMON 79466L302 84 450 SH   SOLE   450 0 0
Schlumberger Limited COMMON 806857108 807 43,859 SH   SOLE   43,859 0 0
Schwab Emerging Mkt ETF ETF 808524706 84 3,430 SH   SOLE   3,430 0 0
Schwab Intermediate US Treasury ETF ETF 808524854 224 3,809 SH   SOLE   3,809 0 0
Schwab Int'l Equity ETF ETF 808524805 9,669 325,003 SH   SOLE   324,498 0 505
Schwab U.S. Bond ETF ETF 808524839 474 8,425 SH   SOLE   8,425 0 0
Schwab U.S. Broad Market ETF ETF 808524102 56,236 765,427 SH   SOLE   761,218 0 4,209
Seagate Technology PLC COMMON G7945M107 3,986 82,338 SH   SOLE   79,364 0 2,974
Sector SPDR Tech Select Shares COMMON 81369Y803 243 2,330 SH   SOLE   2,330 0 0
Sempra Energy COMMON 816851109 18 151 SH   SOLE   151 0 0
Sherwin Williams COMMON 824348106 61 105 SH   SOLE   105 0 0
Silicon Motion Tech ADR ADR 82706C108 32 660 SH   SOLE   660 0 0
SK Telecom Ltd ADR ADR 78440P108 9 448 SH   SOLE   448 0 0
Skywest Inc COMMON 830879102 282 8,652 SH   SOLE   8,652 0 0
Skyworks Solutions Inc. COMMON 83088M102 54 421 SH   SOLE   421 0 0
Snap Inc COMMON 83304A106 5 200 SH   SOLE   200 0 0
Sonoco Products COMMON 835495102 338 6,467 SH   SOLE   5,700 0 767
Sony Corp. ADR ADR 835699307 1,762 25,488 SH   SOLE   24,883 0 605
Southern Company COMMON 842587107 312 6,023 SH   SOLE   6,023 0 0
SPDR Consumer Disc Select ETF ETF 81369Y407 39 302 SH   SOLE   302 0 0
SPDR Dow Jones Ind Avg ETF ETF 78467X109 77 300 SH   SOLE   300 0 0
SPDR Gold Trust ETF ETF 78463V107 1,687 10,081 SH   SOLE   10,081 0 0
SPDR MSCI EAFE Fsl Fuel Fr ETF ETF 48470E106 662 10,203 SH   SOLE   10,203 0 0
SPDR MSCI Emerg Fsl Fl Free ETF ETF 78470E205 421 7,060 SH   SOLE   7,060 0 0
SPDR S&P 500 ETF ETF 78462F103 1,015 3,291 SH   SOLE   2,377 0 914
SPDR S&P 500 Fossil Fl Fr ETF ETF 78468R796 1,168 15,305 SH   SOLE   15,305 0 0
SPDR S&P 600 Small Cap ETF ETF 78464A300 22 446 SH   SOLE   446 0 0
SPDR S&P Biotech ETF ETF 78464A870 798 7,131 SH   SOLE   7,131 0 0
SPDR S&P Dividend ETF ETF 78464A763 107 1,172 SH   SOLE   1,172 0 0
SPDR S&P Mid Cap 400 ETF ETF 78467Y107 162 500 SH   SOLE   300 0 200
SPDR Utility Select Sec ETF ETF 81369Y886 42 742 SH   SOLE   742 0 0
SPDR SSGA Gender Diversity ETF ETF 78468R747 10 140 SH   SOLE   140 0 0
Spotify Technology SA COMMON L8681T102 10 40 SH   SOLE   40 0 0
Standex Int'l Corp. COMMON 854231107 30 520 SH   SOLE   520 0 0
Starbucks COMMON 855244109 465 6,315 SH   SOLE   6,315 0 0
Stericycle Inc COMMON 858912108 1,505 26,892 SH   SOLE   26,385 0 507
Steris Corp. COMMON G8473T100 230 1,500 SH   SOLE   1,500 0 0
Stryker Corp. COMMON 863667101 39 215 SH   SOLE   215 0 0
Suncor Energy Inc. COMMON 867224107 5 324 SH   SOLE   324 0 0
Synchrony Financial COMMON 87165B103 421 18,999 SH   SOLE   18,999 0 0
Sysco Corp. COMMON 871829107 97 1,783 SH   SOLE   1,783 0 0
T. Rowe Price Associates COMMON 74144T108 51 410 SH   SOLE   410 0 0
Taiwan Semiconductor ADR ADR 874039100 4,047 71,293 SH   SOLE   69,518 0 1,775
Target Corp. COMMON 89417E109 50 414 SH   SOLE   414 0 0
Tata Motors Ltd ADR ADR 876568502 202 30,804 SH   SOLE   29,944 0 860
Telefonica ADR ADR 879382208 18 3,676 SH   SOLE   3,676 0 0
Teradata Corp COMMON 88076W103 57 2,743 SH   SOLE   2,743 0 0
Terex Corp COMMON 880779103 517 27,539 SH   SOLE   27,539 0 0
Terra Tech Corp COMMON 88102J209 0 590 SH   SOLE   590 0 0
Tesla Motors COMMON 88160R101 13 12 SH   SOLE   12 0 0
Teva Pharma Ind ADR ADR 881624209 231 18,752 SH   SOLE   18,752 0 0
Texas Instruments Inc. COMMON 882508104 63 500 SH   SOLE   500 0 0
The Charles Schwab Corp. COMMON 808513105 3,879 114,977 SH   SOLE   111,644 0 3,333
The Travelers Companies Inc. COMMON 89417E109 726 6,369 SH   SOLE   6,369 0 0
Thermo Fisher Scientific COMMON 883556102 127 351 SH   SOLE   351 0 0
Thomson Reuters Corp COMMON 884903709 129 1,893 SH   SOLE   1,893 0 0
Thor Industries Inc COMMON 885160101 1,054 9,891 SH   SOLE   9,891 0 0
Tilray Inc COMMON 88688T100 0 59 SH   SOLE   59 0 0
Titan International Inc COMMON 88830M102 9 6,455 SH   SOLE   6,455 0 0
TJX Companies Inc COMMON 872540109 12 230 SH   SOLE   230 0 0
Tootsie Roll Inds COMMON 890516107 9 277 SH   SOLE   277 0 0
Toronto-Dominion Bank COMMON 891160509 572 12,813 SH   SOLE   12,813 0 0
TPI Composites Inc COMMON 87266J104 137 5,866 SH   SOLE   5,866 0 0
Trane Technologies PLC COMMON G8994E103 137 1,545 SH   SOLE   1,545 0 0
TransCanada Corp. COMMON 87807B107 83 1,945 SH   SOLE   1,945 0 0
Travelcenters of America COMMON 89421B109 35 2,264 SH   SOLE   2,264 0 0
U S Bancorp COMMON 902973304 39 1,050 SH   SOLE   1,050 0 0
U S X-US Steel Group COMMON 912909108 3 450 SH   SOLE   450 0 0
UDR Inc COMMON 902653104 65 1,750 SH   SOLE   1,750 0 0
Unilever NV COMMON 904784709 25 471 SH   SOLE   471 0 0
Unilever PLC ADR ADR 904767704 91 1,666 SH   SOLE   1,666 0 0
Union Pacific COMMON 907818108 203 1,201 SH   SOLE   977 0 224
United Continental Holdings Inc COMMON 910047109 6 183 SH   SOLE   183 0 0
United Parcel Service COMMON 911312106 53 480 SH   SOLE   480 0 0
Unitedhealth Group Inc. COMMON 91324P102 35 120 SH   SOLE   120 0 0
Unum Provident Corp. COMMON 91529Y106 330 19,912 SH   SOLE   19,912 0 0
Valero Energy COMMON 91913Y100 1,625 27,623 SH   SOLE   26,814 0 809
Vaneck Vectors Gold Miners ETF ETF 92189F106 1,826 49,792 SH   SOLE   49,792 0 0
Vangard Russell 2000 ETF ETF 92206C664 22 193 SH   SOLE   193 0 0
Vanguard 500 ETF ETF 922908363 652 2,302 SH   SOLE   2,302 0 0
Vanguard Corp Bond ETF ETF 92206C409 4 54 SH   SOLE   54 0 0
Vanguard Developed Market ETF ETF 921943858 17,105 440,965 SH   SOLE   436,809 0 4,156
Vanguard Div Appreciation ETF ETF 921908844 298 2,543 SH   SOLE   2,543 0 0
Vanguard Emerging Market ETF ETF 922042858 10,797 272,592 SH   SOLE   270,467 0 2,125
Vanguard ESG International Stock ETF ETF 921910725 877 18,228 SH   SOLE   18,228 0 0
Vanguard ESG US Stock ETF ETF 921910733 1,178 20,891 SH   SOLE   20,891 0 0
Vanguard FTSE All World ex US ETF ETF 922042775 195 4,090 SH   SOLE   4,090 0 0
Vanguard FTSE Pacific ETF ETF 922042866 11 173 SH   SOLE   173 0 0
Vanguard Growth ETF ETF 922908736 777 3,847 SH   SOLE   3,847 0 0
Vanguard High Dividend Yd ETF ETF 921946406 142 1,802 SH   SOLE   1,802 0 0
Vanguard Info Technology ETF ETF 92204A702 15 55 SH   SOLE   55 0 0
Vanguard Interm. Bond Idx ETF ETF 921937819 50 538 SH   SOLE   538 0 0
Vanguard Interm-Temp Corp Bd ETF ETF 92206C870 4 45 SH   SOLE   45 0 0
Vanguard Large-Cap ETF ETF 922908637 6 43 SH   SOLE   43 0 0
Vanguard Mid Cap Etf ETF 922908629 4 27 SH   SOLE   27 0 0
Vanguard Mid Cap Value ETF ETF 922908512 42 440 SH   SOLE   440 0 0
Vanguard Mid-Cap Growth ETF ETF 922908538 44 265 SH   SOLE   265 0 0
Vanguard MSCI Europe ETF ETF 922042874 14 287 SH   SOLE   287 0 0
Vanguard Muni Bond ETF ETF 922907746 1,933 35,695 SH   SOLE   29,337 0 6,358
Vanguard REIT ETF ETF 922908553 129 1,638 SH   SOLE   1,638 0 0
Vanguard Short Term Bd Idx ETF ETF 921937827 3,009 36,201 SH   SOLE   36,069 0 132
Vanguard Sh-Tm Inflat- Prot ETF ETF 922020805 123 2,450 SH   SOLE   2,450 0 0
Vanguard Small Cap Etf ETF 922908751 21 145 SH   SOLE   145 0 0
Vanguard Small Cap Growth ETF ETF 922908595 27 134 SH   SOLE   134 0 0
Vanguard Small Cap Value ETF ETF 922908611 16 147 SH   SOLE   147 0 0
Vanguard Total Int'l Bond Market ETF ETF 92203J407 12,978 224,800 SH   SOLE   222,293 0 2,507
Vanguard Total Stk Mkt ETF ETF 922908769 2,256 14,414 SH   SOLE   14,414 0 0
Vanguard Total U.S. Bond Market ETF ETF 921937835 25,989 294,196 SH   SOLE   291,733 0 2,463
Vanguard Value Index ETF ETF 922908744 99 993 SH   SOLE   993 0 0
Ventas REIT Inc REIT 92276F100 1,585 43,275 SH   SOLE   42,810 0 465
Verizon Communications Inc. COMMON 92343V104 4,381 79,467 SH   SOLE   76,955 0 2,512
Vgrd Ftse All Wrld Ex US ETF ETF 922042718 8 79 SH   SOLE   79 0 0
VIACOMCBS CL COMMON 92556H206 10 432 SH   SOLE   432 0 0
Visa Inc COMMON 92826C839 1,110 5,745 SH   SOLE   5,620 0 125
VMware Inc Cl A COMMON 928563402 45 292 SH   SOLE   292 0 0
Vodafone Group ADR ADR 92857W308 1,227 76,979 SH   SOLE   75,630 0 1,349
W. P. Carey & Co. LLC COMMON 92936U109 278 4,103 SH   SOLE   4,103 0 0
WABTec COMMON 929740108 3 49 SH   SOLE   49 0 0
Walgreens Boots Alli COMMON 931427108 34 800 SH   SOLE   800 0 0
Wal-Mart Stores COMMON 931142103 405 3,385 SH   SOLE   3,385 0 0
Walt Disney Hldg COMMON 254687106 1,246 11,175 SH   SOLE   11,175 0 0
Wash Real Est Inv Tr MD REIT REIT 939653101 227 10,228 SH   SOLE   9,864 0 364
Watts Water Technologies COMMON 942749102 99 1,228 SH   SOLE   823 0 405
WEC Energy Group COMMON 92939U106 335 3,823 SH   SOLE   3,823 0 0
Wells Fargo & Co COMMON 949746101 17 654 SH   SOLE   654 0 0
Welltower Inc REIT REIT 95040Q104 78 1,500 SH   SOLE   1,500 0 0
Western Digital Corp. COMMON 958102105 168 3,795 SH   SOLE   3,795 0 0
Western Union Co COMMON 959802109 1,027 47,493 SH   SOLE   46,058 0 1,435
Westpac Banking ADR ADR 961214301 68 5,475 SH   SOLE   5,475 0 0
Weyerhaeuser Company COMMON 962166104 1,128 50,225 SH   SOLE   49,513 0 712
Whirlpool COMMON 963320106 1,410 10,883 SH   SOLE   10,883 0 0
WisdomTree Emerg Mk SmCap ETF ETF 97717W281 683 17,503 SH   SOLE   16,240 0 1,263
Wisdomtree Japan SmCap Div ETF ETF 97717W836 91 1,420 SH   SOLE   1,420 0 0
Wolverine World Wide Inc. COMMON 978097103 941 39,537 SH   SOLE   39,137 0 400
WPP COMMON 92937A102 1,108 28,322 SH   SOLE   27,803 0 519
Wyndham Destinations Inc COMMON 98310W108 14 487 SH   SOLE   487 0 0
Wyndham Hotels & Resorts Inc COMMON 98311A105 21 487 SH   SOLE   487 0 0
Xcel Energy Inc. COMMON 98389B100 116 1,860 SH   SOLE   1,860 0 0
Xerox Corp. COMMON 98421M106 106 6,956 SH   SOLE   6,020 0 936
Xylem Inc COMMON 98419M100 98 1,501 SH   SOLE   1,501 0 0
Yield10 Bioscience Inc COMMON 98585K862 2 242 SH   SOLE   242 0 0
Yum China Hldgs Inc Com COMMON 98850P109 847 17,613 SH   SOLE   17,387 0 226
Zimmer Biomet Holdings Inc. COMMON 98956P102 18 153 SH   SOLE   153 0 0
Zoom video communications-A COMMON 98980L101 30 120 SH   SOLE   120 0 0