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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co. Common Stock 88579Y101 6,619 37,735 SH   SOLE   37,735 0 0
AT&T Corp. Common Stock 00206R102 6,029 223,218 SH   SOLE   223,218 0 0
AbbVie, Inc. Common Stock 00287Y109 261 2,421 SH   SOLE   2,421 0 0
Abbott Labs Common Stock 002824100 10,433 88,314 SH   SOLE   88,314 0 0
Accenture PLC - Cl.A Common Stock G1151C101 7,402 23,138 SH   SOLE   23,138 0 0
Adobe Systems Common Stock 00724F101 4,036 7,011 SH   SOLE   7,011 0 0
Aflac Inc Common Stock 001055102 1,385 26,559 SH   SOLE   26,559 0 0
Alexanders, Inc. Common Stock 014752109 1,724 6,614 SH   SOLE   6,614 0 0
Align Technology Inc. Common Stock 016255101 630 947 SH   SOLE   947 0 0
Alleghany Corp. Common Stock 017175100 7,170 11,483 SH   SOLE   11,483 0 0
Allegion Plc Common Stock G0176J109 221 1,670 SH   SOLE   1,670 0 0
Alphabet Inc. Cl A Common Stock 02079K305 8,101 3,030 SH   SOLE   3,030 0 0
Alphabet Inc. Cl C Common Stock 02079K107 1,338 502 SH   SOLE   502 0 0
Amazon.Com Inc. Common Stock 023135106 7,976 2,428 SH   SOLE   2,428 0 0
AmeriSourceBergen Common Stock 03073E105 1,171 9,803 SH   SOLE   9,803 0 0
American Express Co Common Stock 025816109 301 1,797 SH   SOLE   1,797 0 0
Ansys Inc Common Stock 03662q105 373 1,095 SH   SOLE   1,095 0 0
Apple Inc. Common Stock 037833100 37,054 261,869 SH   SOLE   261,869 0 0
Applied Materials Common Stock 038222105 4,302 33,422 SH   SOLE   33,422 0 0
Arthur J. Gallagher & Co. Common Stock 363576109 452 3,040 SH   SOLE   3,040 0 0
Automatic Data Processing Common Stock 053015103 732 3,663 SH   SOLE   3,663 0 0
Autozone Inc Common Stock 053332102 2,856 1,682 SH   SOLE   1,682 0 0
Bank of America Corp. Common Stock 060505104 3,654 86,088 SH   SOLE   86,088 0 0
Becton Dickinson Common Stock 075887109 283 1,150 SH   SOLE   1,150 0 0
Berkshire Hathaway Cl. B Common Stock 084670702 15,855 58,091 SH   SOLE   58,091 0 0
Best Buy Inc Common Stock 086516101 322 3,050 SH   SOLE   3,050 0 0
Blackrock Inc. Common Stock 09247X101 2,662 3,174 SH   SOLE   3,174 0 0
Blackstone Group Inc. Common Stock 09260D107 3,985 34,255 SH   SOLE   34,255 0 0
Boeing Co. Common Stock 097023105 387 1,761 SH   SOLE   1,761 0 0
Bristol-Myers Squibb Co Common Stock 110122108 6,482 109,557 SH   SOLE   109,557 0 0
CVS Health Corp. Common Stock 126650100 614 7,235 SH   SOLE   7,235 0 0
Capital One Financial Corp. Common Stock 14040H105 6,481 40,014 SH   SOLE   40,014 0 0
Celanese Corp Common Stock 150870103 5,868 38,954 SH   SOLE   38,954 0 0
Charles River Lab Intl Inc Common Stock 159864107 613 1,485 SH   SOLE   1,485 0 0
Charles Schwab Corp. Common Stock 808513105 228 3,134 SH   SOLE   3,134 0 0
Chevron Corp. Common Stock 166764100 654 6,447 SH   SOLE   6,447 0 0
Cigna Corp Common Stock 125523100 200 1,000 SH   SOLE   1,000 0 0
Cisco Systems Inc. Common Stock 17275R102 1,115 20,488 SH   SOLE   20,488 0 0
Coca-Cola Common Stock 191216100 3,711 70,721 SH   SOLE   70,721 0 0
Comcast Corporation Class A Common Stock 20030N101 9,120 163,066 SH   SOLE   163,066 0 0
Costco Wholesale Corp Common Stock 22160K105 249 555 SH   SOLE   555 0 0
CrowdStrike Holdings, Inc. Common Stock 22788C105 203 824 SH   SOLE   824 0 0
Cummins Inc. Common Stock 231021106 3,086 13,743 SH   SOLE   13,743 0 0
Deere & Co Common Stock 244199105 4,296 12,822 SH   SOLE   12,822 0 0
Diageo PLC Common Stock 25243Q205 4,454 23,079 SH   SOLE   23,079 0 0
Disney, Walt & Co. Common Stock 254687106 9,250 54,680 SH   SOLE   54,680 0 0
Dover Corp. Common Stock 260003108 6,312 40,594 SH   SOLE   40,594 0 0
Emerson Electric Common Stock 291011104 227 2,414 SH   SOLE   2,414 0 0
Exxon Mobil Corp. Common Stock 30231G102 1,708 29,044 SH   SOLE   29,044 0 0
Facebook, Inc. Common Stock 30303M102 3,515 10,356 SH   SOLE   10,356 0 0
FedEx Corporation Common Stock 31428X106 6,270 28,594 SH   SOLE   28,594 0 0
Gartner Inc. Common Stock 366651107 520 1,710 SH   SOLE   1,710 0 0
Generac Hldgs Inc Comusd0.01 Common Stock 368736104 2,351 5,752 SH   SOLE   5,752 0 0
General Electric Common Stock 369604301 4,012 38,939 SH   SOLE   38,939 0 0
General Motors Common Stock 37045V100 8,455 160,403 SH   SOLE   160,403 0 0
Goldman Sachs Group Inc Common Stock 38141G104 501 1,326 SH   SOLE   1,326 0 0
Grainger, WW Inc. Common Stock 384802104 5,578 14,190 SH   SOLE   14,190 0 0
Henry Schein, Inc. Common Stock 806407102 4,194 55,067 SH   SOLE   55,067 0 0
Home Depot Common Stock 437076102 4,085 12,444 SH   SOLE   12,444 0 0
Honeywell Intl Common Stock 438516106 6,014 28,330 SH   SOLE   28,330 0 0
Hubbell, Inc. Common Stock 443510607 1,499 8,296 SH   SOLE   8,296 0 0
Humana Corp. Common Stock 444859102 718 1,845 SH   SOLE   1,845 0 0
International Business Machine Common Stock 459200101 794 5,715 SH   SOLE   5,715 0 0
Intuitive Surgical Inc. Common Stock 46120E602 3,026 3,044 SH   SOLE   3,044 0 0
JPMorgan Chase & Co. Common Stock 46625H100 6,796 41,517 SH   SOLE   41,517 0 0
Johnson & Johnson Common Stock 478160104 11,422 70,726 SH   SOLE   70,726 0 0
Kinder Morgan, Inc. (DE) Class Common Stock 49456B101 4,457 266,380 SH   SOLE   266,380 0 0
Life Storage, Inc. Common Stock 53223X107 356 3,105 SH   SOLE   3,105 0 0
LifeMD Inc. Common Stock 53216B104 153 24,645 SH   SOLE   24,645 0 0
Linde PLC Common Stock G5494J103 4,471 15,238 SH   SOLE   15,238 0 0
Lockheed-Martin Common Stock 539830109 576 1,669 SH   SOLE   1,669 0 0
Lowes Companies Common Stock 548661107 8,001 39,440 SH   SOLE   39,440 0 0
Masco Corp Common Stock 574599106 309 5,565 SH   SOLE   5,565 0 0
McDonalds Corp. Common Stock 580135101 1,215 5,041 SH   SOLE   5,041 0 0
McKesson Inc. Common Stock 58155Q103 5,019 25,172 SH   SOLE   25,172 0 0
Merck Common Stock 58933Y105 5,158 68,674 SH   SOLE   68,674 0 0
Microsoft Corp Common Stock 594918104 24,285 86,142 SH   SOLE   86,142 0 0
Moderna, Inc. Common Stock 60770K107 393 1,021 SH   SOLE   1,021 0 0
Molson Coors Brewing Co. - B Common Stock 60871R209 5,473 118,013 SH   SOLE   118,013 0 0
Morgan Stanley Common Stock 617446448 15,678 161,119 SH   SOLE   161,119 0 0
NVIDIA Corp. Common Stock 67066G104 4,830 23,313 SH   SOLE   23,313 0 0
Netflix.Com Inc Common Stock 64110L106 3,115 5,104 SH   SOLE   5,104 0 0
Newmont Mining Corp Common Stock 651639106 5,877 108,228 SH   SOLE   108,228 0 0
Nextera Energy Inc Common Stock 65339F101 4,668 59,454 SH   SOLE   59,454 0 0
Nike Common Stock 654106103 2,878 19,817 SH   SOLE   19,817 0 0
Oracle Corp. Common Stock 68389X105 19,735 226,498 SH   SOLE   226,498 0 0
Organon & Co. Common Stock 68622V106 222 6,775 SH   SOLE   6,775 0 0
Parker Hannifin Corp. Common Stock 701094104 2,122 7,590 SH   SOLE   7,590 0 0
Paypal Hldgs Inc Com Common Stock 70450Y103 2,454 9,432 SH   SOLE   9,432 0 0
Pfizer Inc. Common Stock 717081103 3,631 84,419 SH   SOLE   84,419 0 0
Phillips 66 Common Stock 718546104 635 9,074 SH   SOLE   9,074 0 0
Pinnacle Financial Partners, I Common Stock 72346Q104 364 3,865 SH   SOLE   3,865 0 0
Proctor & Gamble Common Stock 742718109 9,411 67,320 SH   SOLE   67,320 0 0
Progressive Corp. Common Stock 743315103 6,567 72,652 SH   SOLE   72,652 0 0
Public Service Ent. Common Stock 744573106 403 6,611 SH   SOLE   6,611 0 0
Public Storage Common Stock 74460D109 3,852 12,967 SH   SOLE   12,967 0 0
Qualcomm, Inc Common Stock 747525103 3,628 28,131 SH   SOLE   28,131 0 0
Quanta Services Inc Common Stock 74762E102 5,314 46,685 SH   SOLE   46,685 0 0
Restoration Hardware Holdings, Common Stock 74967X103 500 750 SH   SOLE   750 0 0
Royal Dutch Shell PLC - Class Common Stock 780259107 5,537 125,084 SH   SOLE   125,084 0 0
Royal Dutch Shell Plc Spons Ad Common Stock 780259206 894 20,056 SH   SOLE   20,056 0 0
Salesforce.com Common Stock 79466L302 246 906 SH   SOLE   906 0 0
Schlumberger Common Stock 806857108 3,910 131,909 SH   SOLE   131,909 0 0
Siemens AG Spons. ADR Common Stock 826197501 7,332 89,260 SH   SOLE   89,260 0 0
Sonic Automotive Inc Common Stock 83545G102 315 5,990 SH   SOLE   5,990 0 0
Starbucks Corp. Common Stock 855244109 3,057 27,711 SH   SOLE   27,711 0 0
State Street Boston Corp. Common Stock 857477103 6,468 76,350 SH   SOLE   76,350 0 0
T-Mobil US, Inc. Common Stock 872590104 2,152 16,847 SH   SOLE   16,847 0 0
TJX Co., Inc.(New) Common Stock 872540109 6,375 96,614 SH   SOLE   96,614 0 0
TelUS Corp Common Stock 87971M103 1,436 65,410 SH   SOLE   65,410 0 0
Teradyne Common Stock 880770102 371 3,400 SH   SOLE   3,400 0 0
Tesla Motors Inc Com Usd0.001 Common Stock 88160R101 2,630 3,392 SH   SOLE   3,392 0 0
Thermo Fisher Scientific Inc. Common Stock 883556102 4,260 7,456 SH   SOLE   7,456 0 0
TopBuild Corp. Common Stock 89055F103 311 1,520 SH   SOLE   1,520 0 0
Toro Co Common Stock 891092108 297 3,045 SH   SOLE   3,045 0 0
TotalEnergies SE ADR Common Stock 89151E109 1,591 33,184 SH   SOLE   33,184 0 0
Unilever ADR Common Stock 904767704 4,095 75,533 SH   SOLE   75,533 0 0
Union Pacific Common Stock 907818108 272 1,389 SH   SOLE   1,389 0 0
United Parcel Service Inc. Cl Common Stock 911312106 4,903 26,924 SH   SOLE   26,924 0 0
UnitedHealth Group Inc. Common Stock 91324P102 10,984 28,110 SH   SOLE   28,110 0 0
Valero Energy Common Stock 91913Y100 847 12,000 SH   SOLE   12,000 0 0
Verizon Communications Common Stock 92343V104 715 13,229 SH   SOLE   13,229 0 0
Vornado REIT Common Stock 929042109 778 18,519 SH   SOLE   18,519 0 0
Wal Mart Stores Inc. Common Stock 931142103 6,031 43,272 SH   SOLE   43,272 0 0
Walgreens Boots Alliance, Inc. Common Stock 931427108 3,315 70,455 SH   SOLE   70,455 0 0
Wells Fargo & Co. Common Stock 949746101 6,834 147,260 SH   SOLE   147,260 0 0
West Pharmaceutical Services, Common Stock 955306105 2,695 6,348 SH   SOLE   6,348 0 0
WestRock Company Common Stock 96145D105 5,661 113,613 SH   SOLE   113,613 0 0
Xylem Inc Common Stock 98419M100 250 2,025 SH   SOLE   2,025 0 0
YETI Holdings, Inc. Common Stock 98585X104 431 5,030 SH   SOLE   5,030 0 0
Zebra Technologies Corp. Common Stock 989207105 452 877 SH   SOLE   877 0 0
Zoetis Inc. Common Stock 98978V103 3,397 17,497 SH   SOLE   17,497 0 0
ARK Innovation ETF Index share 00214Q104 232 2,100 SH   SOLE   2,100 0 0
Communication Services Select Index share 81369Y852 4,089 51,048 SH   SOLE   51,048 0 0
Consumer Discret Select Sector Index share 81369Y407 4,413 24,593 SH   SOLE   24,593 0 0
Consumer Staples Select Sector Index share 81369Y308 1,712 24,863 SH   SOLE   24,863 0 0
Energy Select Sector SPDR Index share 81369Y506 809 15,526 SH   SOLE   15,526 0 0
Financial Select Sector SPDR Index share 81369Y605 471 12,550 SH   SOLE   12,550 0 0
Health Care Select Sector Spdr Index share 81369Y209 6,152 48,328 SH   SOLE   48,328 0 0
IShares Core S&P 500 ETF Index share 464287200 232 538 SH   SOLE   538 0 0
Industrial Select Sector SPDR Index share 81369Y704 3,785 38,681 SH   SOLE   38,681 0 0
Ishares Russell 2000 Index share 464287655 1,949 8,910 SH   SOLE   8,910 0 0
Materials Select Sector SPDR Index share 81369Y100 1,399 17,684 SH   SOLE   17,684 0 0
SPDR S&P 500 Index share 78462F103 2,202 5,132 SH   SOLE   5,132 0 0
Technology Select Sector Index share 81369Y803 10,744 71,956 SH   SOLE   71,956 0 0
Vanguard Financials ETF Index share 92204A405 5,963 64,359 SH   SOLE   64,359 0 0
Vanguard Small-Cap Growth ETF Index share 922908595 2,420 8,637 SH   SOLE   8,637 0 0
Vanguard Total Stock Market ET Index share 922908769 530 2,388 SH   SOLE   2,388 0 0
iShares Core S&P Mid-Cap ETF Index share 464287507 2,026 7,703 SH   SOLE   7,703 0 0
Vanguard FTSE Developed Market Index share 921943858 693 13,726 SH   SOLE   13,726 0 0
Vanguard FTSE Europe ETF Index share 922042874 836 12,738 SH   SOLE   12,738 0 0
iShares MSCI EAFE Index share 464287465 1,621 20,782 SH   SOLE   20,782 0 0
Vanguard FTSE Emerging Markets Index share 922042858 1,472 29,438 SH   SOLE   29,438 0 0
American Growth Fund of Americ Funds 399874106 232 3,068 SH   SOLE   3,068 0 0
Primecap Odyssey Aggressive Gr Funds 74160Q202 384 6,657 SH   SOLE   6,657 0 0
Primecap Odyssey Growth Fund Funds 74160Q103 487 10,075 SH   SOLE   10,075 0 0
Vanguard S&P Small Cap 600 Gro Funds 921932794 225 1,000 SH   SOLE   1,000 0 0
Vanguard S&P Small Cap Value Funds 921932778 200 1,150 SH   SOLE   1,150 0 0
BNY Mellon Municipal Opportuni Funds 05569M483 235 16,840 SH   SOLE   16,840 0 0
BNY Mellon Natl. Short Term Mu Funds 05569M723 217 16,871 SH   SOLE   16,871 0 0
Fidelity Floating Rate High In Funds 315916783 154 16,236 SH   SOLE   16,236 0 0
Fidelity Total Bond Funds 31617K881 154 13,856 SH   SOLE   13,856 0 0
Franklin High Income Fund - A Funds 353538101 61 32,263 SH   SOLE   32,263 0 0
Vanguard GNMA Fund Funds 922031307 149 14,075 SH   SOLE   14,075 0 0
IShares Barclays US TIPS Index share 464287176 444 3,480 SH   SOLE   3,480 0 0
Ishares U S Pfd Etf U S Pfd St Index share 464288687 466 12,000 SH   SOLE   12,000 0 0
SPDR Bloomberg Barclays 1-3 Mt Index share 78468R663 842 9,205 SH   SOLE   9,205 0 0
Vanguard Interm- Corp Bnd Fund Index share 92206C870 2,892 30,633 SH   SOLE   30,633 0 0
Vanguard Short-Term Bond ETF Index share 921937827 202 2,471 SH   SOLE   2,471 0 0
Vanguard Short-Term Infl. Prot Index share 922020805 6,108 116,169 SH   SOLE   116,169 0 0
iShares Floating Rate Bond Index share 46429B655 6,877 135,265 SH   SOLE   135,265 0 0
iShares Iboxx $ Invst Grade Cr Index share 464287242 309 2,325 SH   SOLE   2,325 0 0
iShares Intermediate-Term Corp Index share 464288638 4,690 78,085 SH   SOLE   78,085 0 0
iShares Short-Term Corp. Bd ET Index share 464288646 8,880 162,523 SH   SOLE   162,523 0 0
SPDR Gold Trust Index share 78463V107 936 5,702 SH   SOLE   5,702 0 0
Ishares Tr Real Estate Etf Index share 464287739 365 3,568 SH   SOLE   3,568 0 0
Vanguard REIT ETF Index share 922908553 1,516 14,893 SH   SOLE   14,893 0 0