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
Estimated average burden
hours per response: 23.8
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
3M CO COM Stock 88579Y101 379 1,823 SH   SOLE   0 0 1,823
ABBOTT LABS COM Stock 002824100 217 2,720 SH   SOLE   0 0 2,720
ADOBE INC COM Stock 00724F101 222 834 SH   SOLE   0 0 834
ALEXION PHARMACEUTICALS INC COM Stock 015351109 226 1,672 SH   SOLE   0 0 1,672
ALLY FINL INC COM Stock 02005N100 256 9,300 SH   DFND 1 0 9,300 0
ALPHABET INC CAP STK CL A Stock 02079K305 2,675 2,273 SH   SOLE   0 0 2,273
ALPHABET INC CAP STK CL C Stock 02079K107 2,827 2,409 SH   SOLE   0 0 2,409
ALTRIA GROUP INC COM Stock 02209S103 550 9,573 SH   SOLE   0 0 9,572
AMAZON COM INC COM Stock 023135106 4,491 2,522 SH   SOLE   0 0 2,522
AMERICAN ELEC PWR CO INC COM Stock 025537101 236 2,814 SH   SOLE   0 0 2,814
AMERICAN EXPRESS CO COM Stock 025816109 392 3,585 SH   DFND 1 0 2,167 1,418
AMERICAN TOWER CORP NEW COM REIT 03027X100 454 2,304 SH   SOLE   0 0 2,304
AMGEN INC COM Stock 031162100 1,147 6,040 SH   SOLE   0 0 6,040
APPLE INC COM Stock 037833100 8,981 47,280 SH   DFND 1 0 175 47,280
ARK INNOVATION ETF ETF 00214Q104 822 17,584 SH   SOLE   0 0 17,583
AT&T INC COM Stock 00206R102 362 11,552 SH   DFND 1 0 7,138 4,414
AVANGRID INC COM Stock 05351W103 470 9,340 SH   SOLE   0 0 9,340
BANK AMER CORP 7.25 CNV PFD L Convertible Preferred 060505682 755 580 SH   SOLE   0 0 580
BANK AMER CORP COM Stock 060505104 1,422 51,552 SH   SOLE   0 0 51,552
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 602 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 3,390 16,875 SH   DFND   0 1 16,525
BLACKROCK INC COM Stock 09247X101 352 824 SH   SOLE   0 0 824
BOEING CO COM Stock 097023105 2,852 7,477 SH   SOLE   0 0 7,477
BORGWARNER INC COM Stock 099724106 307 8,000 SH   SOLE   0 0 8,000
CELGENE CORP COM Stock 151020104 455 4,820 SH   SOLE   0 0 4,820
CHEVRON CORP NEW COM Stock 166764100 571 4,633 SH   DFND 1 0 125 4,508
CISCO SYS INC COM Stock 17275R102 921 17,059 SH   SOLE   0 0 17,059
CME GROUP INC COM Stock 12572Q105 469 2,850 SH   SOLE   0 0 2,850
COCA COLA CO COM Stock 191216100 486 10,375 SH   SOLE   0 0 10,375
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 213 1,868 SH   SOLE   0 0 1,868
COSTCO WHSL CORP NEW COM Stock 22160K105 375 1,550 SH   SOLE   0 0 1,550
CUMMINS INC COM Stock 231021106 223 1,410 SH   SOLE   0 0 1,410
DISNEY WALT CO COM DISNEY Stock 254687106 1,189 10,712 SH   SOLE   0 0 10,712
DUNKIN BRANDS GROUP INC COM Stock 265504100 282 3,750 SH   DFND 1 0 3,750 0
DUPONT DE NEMOURS INC COM Stock 26614N102 291 5,454 SH   DFND 1 0 4,251 1,203
EOG RES INC COM Stock 26875P101 329 3,457 SH   SOLE   0 0 3,457
EXXON MOBIL CORP COM Stock 30231G102 1,202 14,876 SH   DFND 1 0 333 14,543
FACEBOOK INC CL A Stock 30303M102 1,562 9,373 SH   SOLE   0 0 9,373
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 426 16,560 SH   SOLE   0 0 16,560
FORD MTR CO DEL COM Stock 345370860 90 10,275 SH   DFND 1 0 9,775 500
GENERAL DYNAMICS CORP COM Stock 369550108 2,269 13,403 SH   SOLE   0 0 13,403
GENERAL MTRS CO COM Stock 37045V100 228 6,090 SH   DFND 1 0 2,510 3,580
GOLDMAN SACHS GROUP INC COM Stock 38141G104 1,982 10,321 SH   SOLE   0 0 10,321
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 203 2,215 SH   SOLE   0 0 2,215
HOLOGIC INC COM Stock 436440101 266 5,500 SH   SOLE   0 0 5,500
HOME DEPOT INC COM Stock 437076102 1,322 6,890 SH   SOLE   0 0 6,890
HONEYWELL INTL INC COM Stock 438516106 895 2,900 SH   DFND 1 0 167 2,733
INTEL CORP COM Stock 458140100 1,117 20,802 SH   SOLE   0 0 20,802
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 405 2,867 SH   DFND 1 0 1,297 1,570
INTUIT COM Stock 461202103 235 900 SH   SOLE   0 0 900
INVESCO DWA MOMENTUM ETF ETF 46137V837 273 4,820 SH   SOLE   0 0 4,820
INVESCO FTSE RAFI US 1000 ETF ETF 46137V613 2,313 20,398 SH   SOLE   0 0 20,398
INVESCO FTSE RAFI US 1500A SMALL-MIDA ETF ETF 46137V597 1,722 13,499 SH   SOLE   0 0 13,499
INVESCO INTERNATIONAL BUYBACK ACHIEVERSA ETF ETF 46138E644 276 8,720 SH   SOLE   0 0 8,720
INVESCO QQQ TRUST ETF 46090E103 847 4,714 SH   SOLE   0 0 4,714
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 698 6,685 SH   SOLE   0 0 6,685
IQVIA HLDGS INC COM Stock 46266C105 276 1,920 SH   SOLE   0 0 1,920
ISHARES COMEX GOLD TRUST ETF 464285105 396 32,000 SH   SOLE   0 0 32,000
ISHARES CORE S&P 500 ETF ETF 464287200 490 1,722 SH   SOLE   0 0 1,722
ISHARES EDGE MSCI MIN VOL USA ETF ETF 46429B697 368 6,255 SH   SOLE   0 0 6,255
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF 464287556 241 2,153 SH   SOLE   0 0 2,153
ISHARES S&P MIDCAP FUND ETF 464287507 423 2,236 SH   SOLE   0 0 2,236
ISHARES S&P SMALL-CAP FUND ETF 464287804 740 9,593 SH   SOLE   0 0 9,592
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 279 1,464 SH   SOLE   0 0 1,464
JOHNSON & JOHNSON COM Stock 478160104 1,753 12,542 SH   DFND 1 0 150 12,392
JPMORGAN CHASE & CO COM Stock 46625H100 2,449 24,192 SH   SOLE   0 0 24,192
LILLY ELI & CO COM Stock 532457108 225 1,735 SH   SOLE   0 0 1,735
LOCKHEED MARTIN CORP COM Stock 539830109 358 1,192 SH   SOLE   0 0 1,192
LOWES COS INC COM Stock 548661107 947 8,650 SH   SOLE   0 0 8,650
M & T BK CORP COM Stock 55261F104 275 1,751 SH   SOLE   0 0 1,751
MARKEL CORP COM Stock 570535104 675 678 SH   SOLE   0 0 678
MASTERCARD INC CL A Stock 57636Q104 630 2,677 SH   SOLE   0 0 2,677
MCDONALDS CORP COM Stock 580135101 502 2,646 SH   SOLE   0 0 2,646
MERCK & CO INC COM Stock 58933Y105 555 6,676 SH   SOLE   0 0 6,676
MICROSOFT CORP COM Stock 594918104 2,436 20,658 SH   DFND 1 0 375 20,283
MONDELEZ INTL INC CL A Stock 609207105 305 6,108 SH   SOLE   0 0 6,107
MORGAN STANLEY COM NEW Stock 617446448 445 10,540 SH   SOLE   0 0 10,540
MSA SAFETY INC COM Stock 553498106 300 2,900 SH   DFND 1 0 2,900 0
NETFLIX INC COM Stock 64110L106 221 621 SH   SOLE   0 0 621
NEXTERA ENERGY INC COM Stock 65339F101 380 1,967 SH   SOLE   0 0 1,967
NIKE INC CL B Stock 654106103 499 5,924 SH   SOLE   0 0 5,924
NORFOLK SOUTHERN CORP COM Stock 655844108 214 1,145 SH   SOLE   0 0 1,145
NORTHROP GRUMMAN CORP COM Stock 666807102 374 1,387 SH   SOLE   0 0 1,387
OMEGA FLEX INC COM Stock 682095104 30,786 406,145 SH   SOLE   0 0 406,145
PEPSICO INC COM Stock 713448108 354 2,891 SH   SOLE   0 0 2,891
PFIZER INC COM Stock 717081103 2,281 53,698 SH   DFND 1 0 348 53,350
PHILIP MORRIS INTL INC COM Stock 718172109 343 3,876 SH   SOLE   0 0 3,876
PNC FINL SVCS GROUP INC COM Stock 693475105 537 4,378 SH   SOLE   0 0 4,378
PROCTER & GAMBLE CO COM Stock 742718109 1,563 15,019 SH   SOLE   0 0 15,019
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF ETF 74348A467 433 6,381 SH   SOLE   0 0 6,381
SALESFORCE COM INC COM Stock 79466L302 445 2,808 SH   SOLE   0 0 2,808
SCHLUMBERGER LTD COM Stock 806857108 270 6,195 SH   SOLE   0 0 6,195
SCHWAB U.S. REIT ETF ETF 808524847 463 10,411 SH   SOLE   0 0 10,411
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 2,652 37,920 SH   SOLE   0 0 37,920
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1,035 19,800 SH   SOLE   0 0 19,799
SOUTHERN CO COM Stock 842587107 484 9,362 SH   SOLE   0 0 9,362
SPDR S&P 500 ETF ETF 78462F103 1,095 3,875 SH   DFND 1 0 65 3,810
SPDR S&P AEROSPACE & DEFENSE ETF ETF 78464A631 443 4,825 SH   SOLE   0 0 4,825
SPDR S&P DIVIDEND ETF ETF 78464A763 328 3,301 SH   SOLE   0 0 3,301
STARBUCKS CORP COM Stock 855244109 308 4,141 SH   SOLE   0 0 4,141
STRYKER CORP COM Stock 863667101 272 1,378 SH   SOLE   0 0 1,378
TE CONNECTIVITY LTD REG SHS Stock H84989104 214 2,648 SH   SOLE   0 0 2,648
TESLA INC COM Stock 88160R101 202 721 SH   SOLE   0 0 721
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 783 2,859 SH   SOLE   0 0 2,859
TJX COS INC NEW COM Stock 872540109 208 3,910 SH   SOLE   0 0 3,910
UNITED PARCEL SERVICE INC CL B Stock 911312106 372 3,333 SH   DFND 1 0 2,083 1,250
UNITED TECHNOLOGIES CORP COM Stock 913017109 1,541 11,957 SH   SOLE   0 0 11,957
UNITEDHEALTH GROUP INC COM Stock 91324P102 683 2,761 SH   SOLE   0 0 2,761
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 7,509 68,489 SH   SOLE   0 0 68,489
VANGUARD ENERGY INDEX FUND ETF 92204A306 332 3,717 SH   SOLE   0 0 3,717
VANGUARD FINANCIALS INDEX FUND ETF 92204A405 5,439 84,270 SH   SOLE   0 0 84,270
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,628 38,300 SH   SOLE   0 0 38,300
VANGUARD GROWTH INDEX FUND ETF 922908736 3,244 20,740 SH   SOLE   0 0 20,740
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 1,984 11,501 SH   SOLE   0 0 11,501
VANGUARD INFORMATION TECHNOLOGY INDEX FUND ETF 92204A702 2,450 12,212 SH   SOLE   0 0 12,212
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF ETF 921946810 6,390 98,911 SH   SOLE   0 0 98,911
VANGUARD REAL ESTATE ETF ETF 922908553 1,994 22,945 SH   SOLE   0 0 22,945
VANGUARD S&P 500 GROWTH ETF ETF 921932505 4,289 27,733 SH   SOLE   0 0 27,733
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 3,644 60,305 SH   SOLE   0 0 60,304
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 4,561 29,848 SH   SOLE   0 0 29,848
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 236 4,546 SH   SOLE   0 0 4,546
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 1,702 11,758 SH   SOLE   0 0 11,758
VANGUARD TOTAL WORLD STOCK INDEX FUND ETF 922042742 500 6,830 SH   SOLE   0 0 6,830
VERIZON COMMUNICATIONS INC COM Stock 92343V104 444 7,504 SH   DFND 1 0 6,152 1,352
VISA INC COM CL A Stock 92826C839 3,727 23,865 SH   SOLE   0 0 23,865
WASHINGTON TR BANCORP COM Stock 940610108 358 7,439 SH   SOLE   0 0 7,439
WELLS FARGO CO NEW COM Stock 949746101 393 8,140 SH   SOLE   0 0 8,140
WELLS FARGO CO NEW PERP PFD CNV A Convertible Preferred 949746804 654 506 SH   SOLE   0 0 506