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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Alphabet Inc - A Shares COM 02079K305   205 1,980 SH   SOLE   0 0 1,980
Alphabet Inc - C Shares COM 02079K107   25 244 SH   SOLE   0 0 244
Alphabet Inc - C Shares COM 02079K107   414 3,977 SH   OTR 1 0 0 3,977
Amazon.com Inc COM 023135106   274 2,650 SH   SOLE   0 0 2,650
Apple Computer, Inc. COM 037833100   2,209 13,393 SH   SOLE   0 0 13,393
Bank of America COM 060505104   1,223 42,748 SH   SOLE   0 0 42,748
Berkshire Hathaway Inc. Cl B COM 084670702   1,590 5,151 SH   SOLE   0 0 5,151
Berkshire Hathaway Inc. Cl B COM 084670702   659 2,133 SH   OTR 1 0 0 2,133
Berkshire Hills Bancorp Inc COM 084680107   808 32,245 SH   OTR   0 0 32,245
Blackstone Group LP ETF 09260D107   312 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100   3,235 14,309 SH   OTR   0 0 14,309
Centene Corp COM 15135B101   506 8,000 SH   OTR   0 0 8,000
Chevron Texaco Corporation COM 166764100   395 2,417 SH   OTR   0 0 2,417
CIE Financiere Richemon COM H25662943   377 2,360 SH   OTR 1 0 0 2,360
Dow Diamonds - SPDR Dow Jones ETF 78467X109   4,900 14,731 SH   SOLE   0 0 14,731
Dow Jones Select Dividend Index Fund ETF 464287168   2,993 25,542 SH   SOLE   0 0 25,542
Emcor Group Inc COM 29084Q100   3,447 21,202 SH   OTR   0 0 21,202
Encompass Health Corporation COM 29261A100   400 7,387 SH   OTR   0 0 7,387
Exxon Mobil Corp. COM 30231G102   821 7,481 SH   SOLE   0 0 7,481
Financial Select Sector EFT 81369Y605   338 10,500 SH   SOLE   0 0 10,500
Goldman, Sachs & Co. COM 38141G104   258 788 SH   SOLE   0 0 788
HCA Inc. COM 40412C101   3,714 14,084 SH   SOLE   0 0 14,084
Health Care Select Sector SPDR Fund ETF 81369Y209   259 2,000 SH   SOLE   0 0 2,000
Heineken Holding ORD EUR1.6 COM 423991959   335 3,642 SH   OTR 1 0 0 3,642
Hershey Foods Corp COM 427866108   318 1,250 SH   OTR   0 0 1,250
Hertz Global Holdings COM 42806J700   207 12,706 SH   OTR   0 0 12,706
International Business Eq COM 459200101   270 2,063 SH   OTR   0 0 2,063
Intuit Inc COM 461202103   267 600 SH   OTR   0 0 600
iShares MSCI USA Minimum Vol ETF 46429B697   645 8,862 SH   SOLE   0 0 8,862
iShares S&P 500 Value ETF 464287408   365 2,405 SH   SOLE   0 0 2,405
iShares SC S&P 600 ETF 464287804   1,774 18,345 SH   SOLE   0 0 18,345
J.P. Morgan Chase COM 46625H100   965 7,405 SH   SOLE   0 0 7,405
J.P. Morgan Chase COM 46625H100   125 956 SH   OTR 1 0 0 956
Lockheed Martin COM 539830109   429 907 SH   OTR   0 0 907
Market Vectors Gold Miners ETF 92189F106   971 30,000 SH   SOLE   0 0 30,000
Mastercard COM 57636Q104   20 55 SH   SOLE   0 0 55
Mastercard COM 57636Q104   362 997 SH   OTR 1 0 0 997
Meta Platforms Inc COM 30303M102   267 1,258 SH   OTR   0 0 1,258
Microsoft Corp COM 594918104   1,625 5,635 SH   OTR   0 0 5,635
MSCI EAFE Index ETF 464287465   4,537 63,432 SH   SOLE   0 0 63,432
Nestle SA ADR COM 641069406   417 3,425 SH   OTR 1 0 0 3,425
Newmont Mining Corp COM 651639106   676 13,800 SH   OTR   0 0 13,800
Paycom Software Inc COM 70432V102   760 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919   300 1,322 SH   OTR 1 0 0 1,322
Pfizer Inc COM 717081103   1,740 42,647 SH   SOLE   0 0 42,647
Phillip Morris International COM 718172109   263 2,709 SH   OTR 1 0 0 2,709
Plymouth Rock Technologies Inc COM 730020104   5 70,000 SH   OTR   0 0 70,000
S&P 500 Spiders ETF 78462F103   33,752 82,445 SH   SOLE   0 0 82,445
Schwab US Dividend Equity ETF ETF 808524797   6,166 84,277 SH   SOLE   0 0 84,277
Sheldahl, Inc. COM 780259305   508 8,824 SH   SOLE   0 0 8,824
Short S&P 500 ProShares ETF SHORT 74347B425   750 50,000 SH   SOLE   0 0 50,000
Truist Financial Corp COM 89832Q109   512 15,000 SH   SOLE   0 0 15,000
Truist Financial Corp COM 89832Q109   242 7,097 SH   OTR   0 0 7,097
UBS AG Reg COM H42097107   230 10,750 SH   SOLE   0 0 10,750
Ultra S&P 500 Proshares ETF 74347R107   502 10,000 SH   SOLE   0 0 10,000
Under Armour Inc - Class C COM 904311206   214 25,047 SH   OTR   0 0 25,047
Unilever NV-NY shares COM 904767704   117 2,256 SH   OTR 1 0 0 2,256
Unilever NV-NY shares COM 904767704   121 2,334 SH   OTR   0 0 2,334
United Health Group Inc. COM 91324P102   222 469 SH   OTR   0 0 469
Utz Brands, Inc. COM 918090101   3,179 193,038 SH   OTR   0 0 193,038
Vanguard Consumer Staple ETF 92204A207   3,619 18,702 SH   SOLE   0 0 18,702
Vanguard Dividend Appreciation ETF 921908844   6,062 39,364 SH   SOLE   0 0 39,364
Vanguard Growth Vipers ETF 922908736   1,686 6,760 SH   SOLE   0 0 6,760
Vanguard Int Div App Index ETF 921946810   2,219 30,111 SH   SOLE   0 0 30,111
Vanguard Large Cap ETF 922908637   1,015 5,431 SH   SOLE   0 0 5,431
Vanguard Mega Cap Value ETF 921910840   5,080 50,289 SH   SOLE   0 0 50,289
Workday Inc COM 98138H101   215 1,043 SH   OTR   0 0 1,043