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
Alphabet Inc - C Shares COM 02079K107 329 3,427 SH   OTR 1 0 0 3,427
Alphabet Inc - C Shares COM 02079K107 6 60 SH   SOLE   0 0 60
Amazon.com Inc COM 023135106 224 1,980 SH   OTR   0 0 1,980
Apple Computer, Inc. COM 037833100 1,878 13,591 SH   OTR   0 0 13,591
Bank of America COM 060505104 262 8,685 SH   OTR   0 0 8,685
Berkshire Hathaway Inc. Cl B COM 084670702 569 2,133 SH   OTR 1 0 0 2,133
Berkshire Hathaway Inc. Cl B COM 084670702 1,723 6,451 SH   SOLE   0 0 6,451
Berkshire Hills Bancorp Inc COM 084680107 880 32,245 SH   OTR   0 0 32,245
Blackstone Group LP ETF 09260D107 297 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100 4,012 14,309 SH   OTR   0 0 14,309
Caterpillar, Inc. COM 149123101 45 272 SH   OTR   0 0 272
Caterpillar, Inc. COM 149123101 492 3,000 SH   SOLE   0 0 3,000
Centene Corp COM 15135B101 623 8,000 SH   OTR   0 0 8,000
Chevron Texaco Corporation COM 166764100 365 2,542 SH   OTR   0 0 2,542
CIE Financiere Richemon COM H25662943 226 2,360 SH   OTR 1 0 0 2,360
Dow Diamonds - SPDR Dow Jones ETF 78467X109 2,516 8,757 SH   SOLE   0 0 8,757
Dow Jones Select Dividend Index Fund ETF 464287168 5,459 50,917 SH   SOLE   0 0 50,917
Emcor Group Inc COM 29084Q100 2,447 21,191 SH   OTR   0 0 21,191
Encompass Health Corporation COM 29261A100 1,013 22,387 SH   OTR   0 0 22,387
Exxon Mobil Corp. COM 30231G102 666 7,623 SH   SOLE   0 0 7,623
Financial Select Sector ETF 81369Y605 319 10,500 SH   SOLE   0 0 10,500
Goldman, Sachs & Co. COM 38141G104 227 776 SH   OTR   0 0 776
HCA Inc. COM 40412C101 2,588 14,084 SH   OTR   0 0 14,084
Health Care Select Sector SPDR Fund ETF 81369Y209 242 2,000 SH   SOLE   0 0 2,000
Heineken Holding ORD EUR1.6 COM 423991959 237 3,438 SH   OTR 1 0 0 3,438
Hershey Foods Corp COM 427866108 276 1,250 SH   OTR   0 0 1,250
Intuit Inc COM 461202103 232 600 SH   OTR   0 0 600
iShares MSCI USA Minimum Vol ETF 46429B697 3,838 58,067 SH   SOLE   0 0 58,067
iShares SC S&P 600 ETF 464287804 547 6,272 SH   SOLE   0 0 6,272
J.P. Morgan Chase COM 46625H100 787 7,528 SH   OTR   0 0 7,528
J.P. Morgan Chase COM 46625H100 100 956 SH   OTR 1 0 0 956
Lockheed Martin COM 539830109 350 907 SH   OTR   0 0 907
Market Vectors Gold Miners ETF 92189F106 724 30,000 SH   SOLE   0 0 30,000
Mastercard COM 57636Q104 288 1,013 SH   OTR 1 0 0 1,013
Microsoft Corp COM 594918104 1,302 5,591 SH   OTR   0 0 5,591
Nestle SA ADR COM 641069406 377 3,500 SH   OTR 1 0 0 3,500
Newmont Mining Corp COM 651639106 412 9,800 SH   SOLE   0 0 9,800
Paycom Software Inc COM 70432V102 825 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919 233 1,260 SH   OTR 1 0 0 1,260
Pfizer Inc COM 717081103 1,651 37,724 SH   SOLE   0 0 37,724
Phillip Morris International COM 718172109 233 2,804 SH   OTR 1 0 0 2,804
Plymouth Rock Technologies Inc COM 730020104 4 70,000 SH   OTR   0 0 70,000
S&P 500 Spiders ETF 78462F103 14,770 41,351 SH   SOLE   0 0 41,351
Schwab US Dividend Equity ETF ETF 808524797 4,493 67,637 SH   SOLE   0 0 67,637
Sheldahl, Inc. COM 780259305 439 8,824 SH   SOLE   0 0 8,824
Short S&P 500 ProShares ETF SHORT 74347B425 864 50,000 SH   SOLE   0 0 50,000
Streettracks Gold Shares ETF 78463V107 1,477 9,548 SH   SOLE   0 0 9,548
Truist Financial Corp COM 89832Q109 321 7,372 SH   OTR   0 0 7,372
UBS AG Reg COM H42097107 156 10,750 SH   OTR   0 0 10,750
Ultrashort S&P 500 Proshares ETF 74347G416 546 10,000 SH   SOLE   0 0 10,000
Under Armour Inc - Class C COM 904311206 149 25,047 SH   OTR   0 0 25,047
Unilever NV-NY shares COM 904767704 119 2,699 SH   OTR 1 0 0 2,699
Unilever NV-NY shares COM 904767704 108 2,469 SH   OTR   0 0 2,469
United Health Group Inc. COM 91324P102 227 450 SH   OTR   0 0 450
Utz Brands, Inc. COM 918090101 2,915 193,038 SH   OTR   0 0 193,038
Vanguard Dividend Appreciation ETF 921908844 5,034 37,244 SH   SOLE   0 0 37,244
Vanguard Growth Vipers ETF 922908736 500 2,337 SH   SOLE   0 0 2,337
Vanguard High Div Yield ETF 921946406 396 4,177 SH   SOLE   0 0 4,177
Vanguard Int Div App Index ETF 921946810 1,303 21,013 SH   SOLE   0 0 21,013
Vanguard Large Cap ETF 922908637 2,726 16,664 SH   SOLE   0 0 16,664
Vanguard Mega Cap Value ETF 921910840 6,854 76,232 SH   SOLE   0 0 76,232
Vanguard REIT Index ETF 922908553 402 5,016 SH   SOLE   0 0 5,016
Vanguard Value ETF 922908744 283 2,291 SH   SOLE   0 0 2,291