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
Aether Global Innovations Corp COM 00810E109   2 70,000 SH   OTR   0 0 70,000
Alphabet Inc - A Shares COM 02079K305   18 120 SH   SOLE   0 0 120
Alphabet Inc - A Shares COM 02079K305   215 1,425 SH   OTR   0 0 1,425
Alphabet Inc - C Shares COM 02079K107   531 3,484 SH   SOLE   0 0 3,484
Alphabet Inc - C Shares COM 02079K107   607 3,987 SH   OTR 1 0 0 3,987
Amazon.com Inc COM 023135106   385 2,133 SH   OTR   0 0 2,133
Amazon.com Inc COM 023135106   218 1,208 SH   SOLE   0 0 1,208
Amex Technology Select Index EFT 81369Y803   2,916 14,000 SH   SOLE   0 0 14,000
Apple Computer, Inc. COM 037833100   3,048 17,773 SH   SOLE   0 0 17,773
Bank of America COM 060505104   1,530 40,342 SH   SOLE   0 0 40,342
Berkshire Hathaway Inc. Cl B COM 084670702   2,077 4,938 SH   SOLE   0 0 4,938
Berkshire Hathaway Inc. Cl B COM 084670702   897 2,133 SH   OTR 1 0 0 2,133
Berkshire Hills Bancorp Inc COM 084680107   739 32,245 SH   OTR   0 0 32,245
Blackstone Group LP ETF 09260D107   466 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100   4,980 12,709 SH   OTR   0 0 12,709
Centene Corp COM 15135B101   628 8,000 SH   OTR   0 0 8,000
Chevron Texaco Corporation COM 166764100   386 2,447 SH   OTR   0 0 2,447
Chevron Texaco Corporation COM 166764100   158 1,000 SH   SOLE   0 0 1,000
CIE Financiere Richemon COM H25662943   348 2,278 SH   OTR 1 0 0 2,278
Dow Diamonds - SPDR Dow Jones ETF 78467X109   32,110 80,728 SH   SOLE   0 0 80,728
Emcor Group Inc COM 29084Q100   8,676 24,773 SH   OTR   0 0 24,773
Encompass Health Corporation COM 29261A100   610 7,387 SH   OTR   0 0 7,387
Exxon Mobil Corp. COM 30231G102   949 8,168 SH   SOLE   0 0 8,168
Financial Select Sector ETF 81369Y605   423 10,035 SH   SOLE   0 0 10,035
HCA Inc. COM 40412C101   582 1,745 SH   SOLE   0 0 1,745
Health Care Select Sector SPDR Fund ETF 81369Y209   295 2,000 SH   SOLE   0 0 2,000
Heineken Holding ORD EUR1.6 COM 423991959   333 4,120 SH   OTR 1 0 0 4,120
Hershey Foods Corp COM 427866108   243 1,250 SH   OTR   0 0 1,250
Hertz Global Holdings COM 42806J700   166 21,242 SH   OTR   0 0 21,242
Intuit Inc COM 461202103   390 600 SH   OTR   0 0 600
iShares MSCI Emerging Markets ETF 464287234   926 22,550 SH   SOLE   0 0 22,550
iShares S&P 100 Index ETF 464287101   16,333 66,017 SH   SOLE   0 0 66,017
iShares S&P 500 Value ETF 464287408   315 1,687 SH   SOLE   0 0 1,687
iShares SC S&P 600 ETF 464287804   13,284 120,191 SH   SOLE   0 0 120,191
J.P. Morgan Chase COM 46625H100   1,556 7,771 SH   SOLE   0 0 7,771
J.P. Morgan Chase COM 46625H100   232 1,156 SH   OTR 1 0 0 1,156
Johnson & Johnson COM 478160104   211 1,335 SH   SOLE   0 0 1,335
Lockheed Martin COM 539830109   413 907 SH   OTR   0 0 907
Market Vectors Gold Miners ETF 92189F106   949 30,000 SH   SOLE   0 0 30,000
Martin Marietta Materials COM 573284106   8 13 SH   SOLE   0 0 13
Martin Marietta Materials COM 573284106   264 430 SH   OTR 1 0 0 430
Mastercard COM 57636Q104   463 962 SH   SOLE   0 0 962
Mastercard COM 57636Q104   480 997 SH   OTR 1 0 0 997
McDonald's Corp COM 580135101   5,497 19,496 SH   OTR   0 0 19,496
Meta Platforms Inc COM 30303M102   722 1,487 SH   OTR   0 0 1,487
Microsoft Corp COM 594918104   1,692 4,022 SH   SOLE   0 0 4,022
Microsoft Corp COM 594918104   1,725 4,100 SH   OTR   0 0 4,100
MSCI EAFE Index ETF 464287465   17,734 222,061 SH   SOLE   0 0 222,061
Nestle SA ADR COM 641069406   364 3,425 SH   OTR 1 0 0 3,425
Netfllix Inc COM 64110L106   4 7 SH   SOLE   0 0 7
Netfllix Inc COM 64110L106   309 509 SH   OTR 1 0 0 509
Newmont Mining Corp COM 651639106   495 13,800 SH   SOLE   0 0 13,800
Paycom Software Inc COM 70432V102   498 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919   259 1,597 SH   OTR 1 0 0 1,597
Pfizer Inc COM 717081103   1,066 38,409 SH   SOLE   0 0 38,409
Phillip Morris International COM 718172109   248 2,709 SH   OTR 1 0 0 2,709
PNC Financial Services Gr COM 693475105   1,850 11,450 SH   SOLE   0 0 11,450
S&P 500 Spiders ETF 78462F103   53,536 102,349 SH   SOLE   0 0 102,349
Salesforce.com COM 79466L302   303 1,005 SH   SOLE   0 0 1,005
Schwab US Dividend Equity ETF ETF 808524797   216 2,677 SH   SOLE   0 0 2,677
Sheldahl, Inc. COM 780259305   474 7,074 SH   SOLE   0 0 7,074
Truist Financial Corp COM 89832Q109   696 17,875 SH   SOLE   0 0 17,875
Truist Financial Corp COM 89832Q109   277 7,097 SH   OTR   0 0 7,097
UGI Corp. COM 902681105   231 9,400 SH   SOLE   0 0 9,400
Under Armour Inc - Class C COM 904311206   179 25,047 SH   OTR   0 0 25,047
United Health Group Inc. COM 91324P102   249 504 SH   OTR   0 0 504
Utz Brands, Inc. COM 918090101   2,177 118,038 SH   OTR   0 0 118,038
Vanguard Consumer Staple ETF 92204A207   5,586 27,365 SH   SOLE   0 0 27,365
Vanguard Dividend Appreciation ETF 921908844   14,421 78,971 SH   SOLE   0 0 78,971
Vanguard Growth Vipers ETF 922908736   687 1,997 SH   SOLE   0 0 1,997
Vanguard High Div Yield ETF 921946406   14,537 120,151 SH   SOLE   0 0 120,151
Vanguard Int Div App Index ETF 921946810   3,935 48,270 SH   SOLE   0 0 48,270
Vanguard Large Cap ETF 922908637   1,221 5,093 SH   SOLE   0 0 5,093
Vanguard Mega Cap Value ETF 921910840   7,740 64,762 SH   SOLE   0 0 64,762
Vanguard S&P 500 ETF ETF 922908363   1,099 2,287 SH   SOLE   0 0 2,287
Workday Inc COM 98138H101   265 973 SH   OTR   0 0 973