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
Aether Global Innovations Corp COM 00810E109   2 70,000 SH   OTR   0 0 70,000
Alphabet Inc - C Shares COM 02079K107   459 3,484 SH   SOLE   0 0 3,484
Alphabet Inc - C Shares COM 02079K107   526 3,987 SH   OTR 1 0 0 3,987
Amazon.com Inc COM 023135106   263 2,068 SH   SOLE   0 0 2,068
Amazon.com Inc COM 023135106   162 1,273 SH   OTR   0 0 1,273
Apple Computer, Inc. COM 037833100   3,079 17,983 SH   SOLE   0 0 17,983
Bank of America COM 060505104   1,148 41,940 SH   SOLE   0 0 41,940
Berkshire Hathaway Inc. Cl B COM 084670702   1,730 4,938 SH   SOLE   0 0 4,938
Berkshire Hathaway Inc. Cl B COM 084670702   747 2,133 SH   OTR 1 0 0 2,133
Berkshire Hills Bancorp Inc COM 084680107   647 32,245 SH   OTR   0 0 32,245
Blackstone Group LP ETF 09260D107   380 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100   3,710 14,309 SH   OTR   0 0 14,309
Centene Corp COM 15135B101   551 8,000 SH   OTR   0 0 8,000
Chevron Texaco Corporation COM 166764100   407 2,417 SH   OTR   0 0 2,417
Chevron Texaco Corporation COM 166764100   192 1,136 SH   SOLE   0 0 1,136
CIE Financiere Richemon COM H25662943   274 2,234 SH   OTR 1 0 0 2,234
Dow Diamonds - SPDR Dow Jones ETF 78467X109   22,824 68,142 SH   SOLE   0 0 68,142
Emcor Group Inc COM 29084Q100   5,214 24,784 SH   OTR   0 0 24,784
Encompass Health Corporation COM 29261A100   496 7,387 SH   OTR   0 0 7,387
Exxon Mobil Corp. COM 30231G102   955 8,121 SH   SOLE   0 0 8,121
Financial Select Sector ETF 81369Y605   333 10,035 SH   SOLE   0 0 10,035
Goldman, Sachs & Co. COM 38141G104   203 628 SH   SOLE   0 0 628
HCA Inc. COM 40412C101   3,464 14,084 SH   SOLE   0 0 14,084
Health Care Select Sector SPDR Fund ETF 81369Y209   257 2,000 SH   SOLE   0 0 2,000
Heineken Holding ORD EUR1.6 COM 423991959   275 3,642 SH   OTR 1 0 0 3,642
Hershey Foods Corp COM 427866108   250 1,250 SH   OTR   0 0 1,250
Hertz Global Holdings COM 42806J700   260 21,242 SH   OTR   0 0 21,242
Honeywell International I COM 438516106   243 1,316 SH   SOLE   0 0 1,316
Intuit Inc COM 461202103   307 600 SH   OTR   0 0 600
iShares MSCI Emerging Markets ETF 464287234   759 20,000 SH   SOLE   0 0 20,000
iShares MSCI USA Minimum Vol ETF 46429B697   241 3,330 SH   SOLE   0 0 3,330
iShares S&P 500 Value ETF 464287408   349 2,266 SH   SOLE   0 0 2,266
iShares SC S&P 600 ETF 464287804   9,495 100,653 SH   SOLE   0 0 100,653
J.P. Morgan Chase COM 46625H100   1,354 9,334 SH   SOLE   0 0 9,334
J.P. Morgan Chase COM 46625H100   167 1,156 SH   OTR 1 0 0 1,156
Johnson & Johnson COM 478160104   225 1,443 SH   SOLE   0 0 1,443
Lockheed Martin COM 539830109   371 907 SH   OTR   0 0 907
Market Vectors Gold Miners ETF 92189F106   807 30,000 SH   SOLE   0 0 30,000
Mastercard COM 57636Q104   381 964 SH   SOLE   0 0 964
Mastercard COM 57636Q104   395 997 SH   OTR 1 0 0 997
McDonald's Corp COM 580135101   9,483 35,996 SH   OTR   0 0 35,996
Meta Platforms Inc COM 30303M102   451 1,503 SH   OTR   0 0 1,503
Microsoft Corp COM 594918104   1,486 4,031 SH   SOLE   0 0 4,031
Microsoft Corp COM 594918104   1,081 4,100 SH   OTR   0 0 4,100
MSCI EAFE Index ETF 464287465   9,768 141,736 SH   SOLE   0 0 141,736
Nestle SA ADR COM 641069406   388 3,425 SH   OTR 1 0 0 3,425
Netfllix Inc COM 64110L106   11 30 SH   SOLE   0 0 30
Netfllix Inc COM 64110L106   218 577 SH   OTR 1 0 0 577
Newmont Mining Corp COM 651639106   510 13,800 SH   OTR   0 0 13,800
Paycom Software Inc COM 70432V102   648 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919   221 1,322 SH   OTR 1 0 0 1,322
Pfizer Inc COM 717081103   1,272 38,356 SH   SOLE   0 0 38,356
Phillip Morris International COM 718172109   251 2,709 SH   OTR 1 0 0 2,709
PNC Financial Services Gr COM 693475105   1,112 9,055 SH   SOLE   0 0 9,055
S&P 500 Low Volatility ETF 46138E354   1,687 28,693 SH   SOLE   0 0 28,693
S&P 500 Spiders ETF 78462F103   45,179 105,687 SH   SOLE   0 0 105,687
Salesforce.com COM 79466L302   204 1,005 SH   SOLE   0 0 1,005
Schwab US Dividend Equity ETF ETF 808524797   442 6,245 SH   SOLE   0 0 6,245
Sheldahl, Inc. COM 780259305   568 8,824 SH   SOLE   0 0 8,824
Tesla Motors, Inc COM 88160R101   213 850 SH   OTR   0 0 850
Truist Financial Corp COM 89832Q109   511 17,875 SH   SOLE   0 0 17,875
Truist Financial Corp COM 89832Q109   203 7,097 SH   OTR   0 0 7,097
UBS AG Reg COM H42097107   265 10,750 SH   SOLE   0 0 10,750
UGI Corp. COM 902681105   216 9,400 SH   OTR   0 0 9,400
Under Armour Inc - Class C COM 904311206   160 25,047 SH   OTR   0 0 25,047
United Health Group Inc. COM 91324P102   257 510 SH   OTR   0 0 510
Utz Brands, Inc. COM 918090101   2,593 193,038 SH   OTR   0 0 193,038
Vanguard Consumer Staple ETF 92204A207   4,232 23,167 SH   SOLE   0 0 23,167
Vanguard Dividend Appreciation ETF 921908844   8,992 57,870 SH   SOLE   0 0 57,870
Vanguard Growth Vipers ETF 922908736   6,263 23,000 SH   SOLE   0 0 23,000
Vanguard Int Div App Index ETF 921946810   2,529 35,457 SH   SOLE   0 0 35,457
Vanguard Large Cap ETF 922908637   1,061 5,424 SH   SOLE   0 0 5,424
Vanguard Mega Cap Value ETF 921910840   5,586 55,087 SH   SOLE   0 0 55,087
Workday Inc COM 98138H101   224 1,043 SH   OTR   0 0 1,043