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
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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 - C Shares COM 02079K107   277 2,284 SH   SOLE   0 0 2,284
Alphabet Inc - C Shares COM 02079K107   482 3,987 SH   OTR 1 0 0 3,987
Amazon.com Inc COM 023135106   188 1,446 SH   SOLE   0 0 1,446
Amazon.com Inc COM 023135106   166 1,273 SH   OTR   0 0 1,273
Apple Computer, Inc. COM 037833100   3,325 17,143 SH   SOLE   0 0 17,143
Bank of America COM 060505104   1,158 40,367 SH   SOLE   0 0 40,367
Berkshire Hathaway Inc. Cl B COM 084670702   1,684 4,938 SH   SOLE   0 0 4,938
Berkshire Hathaway Inc. Cl B COM 084670702   727 2,133 SH   OTR 1 0 0 2,133
Berkshire Hills Bancorp Inc COM 084680107   668 32,245 SH   OTR   0 0 32,245
Blackstone Group LP ETF 09260D107   330 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100   3,671 14,309 SH   OTR   0 0 14,309
Centene Corp COM 15135B101   540 8,000 SH   OTR   0 0 8,000
Chevron Texaco Corporation COM 166764100   381 2,417 SH   OTR   0 0 2,417
Chevron Texaco Corporation COM 166764100   157 1,000 SH   SOLE   0 0 1,000
CIE Financiere Richemon COM H25662943   379 2,234 SH   OTR 1 0 0 2,234
Dow Diamonds - SPDR Dow Jones ETF 78467X109   13,076 38,027 SH   SOLE   0 0 38,027
Dow Jones Select Dividend Index Fund ETF 464287168   224 1,980 SH   SOLE   0 0 1,980
Emcor Group Inc COM 29084Q100   4,580 24,784 SH   OTR   0 0 24,784
Encompass Health Corporation COM 29261A100   500 7,387 SH   OTR   0 0 7,387
Exxon Mobil Corp. COM 30231G102   871 8,121 SH   SOLE   0 0 8,121
Financial Select Sector ETF 81369Y605   354 10,500 SH   SOLE   0 0 10,500
HCA Inc. COM 40412C101   4,274 14,084 SH   SOLE   0 0 14,084
Health Care Select Sector SPDR Fund ETF 81369Y209   265 2,000 SH   SOLE   0 0 2,000
Heineken Holding ORD EUR1.6 COM 423991959   316 3,642 SH   OTR 1 0 0 3,642
Hershey Foods Corp COM 427866108   312 1,250 SH   OTR   0 0 1,250
Honeywell International I COM 438516106   273 1,316 SH   SOLE   0 0 1,316
International Business Eq COM 459200101   248 1,853 SH   OTR   0 0 1,853
Intuit Inc COM 461202103   275 600 SH   OTR   0 0 600
iShares MSCI USA Minimum Vol ETF 46429B697   656 8,830 SH   SOLE   0 0 8,830
iShares Russell Top 200 Growth ETF 464289438   721 4,550 SH   SOLE   0 0 4,550
iShares S&P 500 Value ETF 464287408   418 2,591 SH   SOLE   0 0 2,591
iShares SC S&P 600 ETF 464287804   6,505 65,280 SH   SOLE   0 0 65,280
J.P. Morgan Chase COM 46625H100   1,358 9,334 SH   SOLE   0 0 9,334
J.P. Morgan Chase COM 46625H100   168 1,156 SH   OTR 1 0 0 1,156
Johnson & Johnson COM 478160104   221 1,335 SH   SOLE   0 0 1,335
Lockheed Martin COM 539830109   418 907 SH   OTR   0 0 907
Market Vectors Gold Miners ETF 92189F106   903 30,000 SH   SOLE   0 0 30,000
Mastercard COM 57636Q104   379 964 SH   SOLE   0 0 964
Mastercard COM 57636Q104   392 997 SH   OTR 1 0 0 997
McDonald's Corp COM 580135101   13,726 45,996 SH   OTR   0 0 45,996
Meta Platforms Inc COM 30303M102   361 1,258 SH   OTR   0 0 1,258
Microsoft Corp COM 594918104   1,134 3,328 SH   SOLE   0 0 3,328
Microsoft Corp COM 594918104   1,396 4,100 SH   OTR   0 0 4,100
MSCI EAFE Index ETF 464287465   8,621 118,910 SH   SOLE   0 0 118,910
Nestle SA ADR COM 641069406   412 3,425 SH   OTR 1 0 0 3,425
Netfllix Inc COM 64110L106   16 37 SH   SOLE   0 0 37
Netfllix Inc COM 64110L106   254 577 SH   OTR 1 0 0 577
Newmont Mining Corp COM 651639106   589 13,800 SH   OTR   0 0 13,800
Paycom Software Inc COM 70432V102   803 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919   292 1,322 SH   OTR 1 0 0 1,322
Pfizer Inc COM 717081103   1,396 38,049 SH   SOLE   0 0 38,049
Phillip Morris International COM 718172109   264 2,709 SH   OTR 1 0 0 2,709
Plymouth Rock Technologies Inc COM 730020104   3 70,000 SH   OTR   0 0 70,000
PNC Financial Services Gr COM 693475105   1,127 8,950 SH   SOLE   0 0 8,950
S&P 500 Low Volatility ETF 46138E354   1,668 26,555 SH   SOLE   0 0 26,555
S&P 500 Spiders ETF 78462F103   44,442 100,258 SH   SOLE   0 0 100,258
Salesforce.com COM 79466L302   212 1,005 SH   SOLE   0 0 1,005
Schwab US Dividend Equity ETF ETF 808524797   1,021 14,064 SH   SOLE   0 0 14,064
Sheldahl, Inc. COM 780259305   533 8,824 SH   SOLE   0 0 8,824
Short S&P 500 ProShares ETF SHORT 74347B425   1,388 100,000 SH   SOLE   0 0 100,000
Tesla Motors, Inc COM 88160R101   223 850 SH   OTR   0 0 850
Truist Financial Corp COM 89832Q109   543 17,875 SH   SOLE   0 0 17,875
Truist Financial Corp COM 89832Q109   215 7,097 SH   OTR   0 0 7,097
UBS AG Reg COM H42097107   218 10,750 SH   SOLE   0 0 10,750
Under Armour Inc - Class C COM 904311206   168 25,047 SH   OTR   0 0 25,047
Unilever NV-NY shares COM 904767704   115 2,219 SH   OTR 1 0 0 2,219
Unilever NV-NY shares COM 904767704   122 2,334 SH   OTR   0 0 2,334
United Health Group Inc. COM 91324P102   222 462 SH   OTR   0 0 462
Utz Brands, Inc. COM 918090101   3,158 193,038 SH   OTR   0 0 193,038
Vanguard Consumer Staple ETF 92204A207   4,456 22,917 SH   SOLE   0 0 22,917
Vanguard Dividend Appreciation ETF 921908844   8,575 52,790 SH   SOLE   0 0 52,790
Vanguard Growth Vipers ETF 922908736   5,061 17,885 SH   SOLE   0 0 17,885
Vanguard Int Div App Index ETF 921946810   2,529 33,683 SH   SOLE   0 0 33,683
Vanguard Large Cap ETF 922908637   1,101 5,431 SH   SOLE   0 0 5,431
Vanguard Mega Cap Value ETF 921910840   5,377 51,820 SH   SOLE   0 0 51,820
Workday Inc COM 98138H101   236 1,043 SH   OTR   0 0 1,043