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 327 1,884 SH   SOLE   0 0 1,884
ABBOTT LABS COM Stock 002824100 272 3,234 SH   SOLE   0 0 3,234
ABBVIE INC COM Stock 00287Y109 226 3,107 SH   DFND 1 0 2,077 1,030
ADOBE INC COM Stock 00724F101 255 867 SH   SOLE   0 0 867
ALEXION PHARMACEUTICALS INC COM Stock 015351109 219 1,672 SH   SOLE   0 0 1,672
ALLY FINL INC COM Stock 02005N100 288 9,300 SH   DFND 1 0 9,300 0
ALPHABET INC CAP STK CL A Stock 02079K305 2,721 2,513 SH   SOLE   0 0 2,513
ALPHABET INC CAP STK CL C Stock 02079K107 2,748 2,542 SH   SOLE   0 0 2,542
ALTRIA GROUP INC COM Stock 02209S103 496 10,481 SH   SOLE   0 0 10,481
AMAZON COM INC COM Stock 023135106 5,514 2,912 SH   SOLE   0 0 2,912
AMERICAN ELEC PWR CO INC COM Stock 025537101 248 2,814 SH   SOLE   0 0 2,814
AMERICAN EXPRESS CO COM Stock 025816109 443 3,585 SH   DFND 1 0 2,167 1,418
AMERICAN TOWER CORP NEW COM REIT 03027X100 555 2,716 SH   SOLE   0 0 2,716
AMGEN INC COM Stock 031162100 1,583 8,590 SH   SOLE   0 0 8,590
APPLE INC COM Stock 037833100 10,131 51,185 SH   DFND 1 0 175 51,010
ARK GENOMIC REVOLUTION ETF ETF 00214Q302 220 6,395 SH   SOLE   0 0 6,395
ARK INNOVATION ETF ETF 00214Q104 983 20,489 SH   SOLE   0 0 20,488
AT&T INC COM Stock 00206R102 395 11,802 SH   DFND 1 0 7,138 4,664
AVANGRID INC COM Stock 05351W103 472 9,340 SH   SOLE   0 0 9,340
BANK AMER CORP 7.25 CNV PFD L Convertible Preferred 060505682 796 580 SH   SOLE   0 0 580
BANK AMER CORP COM Stock 060505104 1,652 56,970 SH   SOLE   0 0 56,969
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 637 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 3,853 18,077 SH   DFND 1 0 225 17,852
BLACKROCK INC COM Stock 09247X101 326 694 SH   SOLE   0 0 694
BOEING CO COM Stock 097023105 3,231 8,877 SH   SOLE   0 0 8,876
BORGWARNER INC COM Stock 099724106 336 8,000 SH   SOLE   0 0 8,000
CELGENE CORP COM Stock 151020104 542 5,863 SH   SOLE   0 0 5,863
CENTURYLINK INC COM Stock 156700106 125 10,615 SH   DFND 1 0 10,615 0
CHEVRON CORP NEW COM Stock 166764100 612 4,918 SH   DFND 1 0 16 4,793
CISCO SYS INC COM Stock 17275R102 893 16,312 SH   SOLE   0 0 16,312
CITIGROUP INC COM NEW Stock 172967424 206 2,942 SH   SOLE   0 0 2,942
CME GROUP INC COM Stock 12572Q105 514 2,650 SH   SOLE   0 0 2,650
COCA COLA CO COM Stock 191216100 543 10,670 SH   SOLE   0 0 10,670
COSTCO WHSL CORP NEW COM Stock 22160K105 317 1,200 SH   SOLE   0 0 1,200
CUMMINS INC COM Stock 231021106 322 1,880 SH   SOLE   0 0 1,880
DANAHER CORPORATION COM Stock 235851102 396 2,770 SH   SOLE   0 0 2,770
DISNEY WALT CO COM DISNEY Stock 254687106 1,649 11,810 SH   SOLE   0 0 11,810
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 203 2,300 SH   DFND 1 0 995 1,305
DUNKIN BRANDS GROUP INC COM Stock 265504100 299 3,750 SH   DFND 1 0 3,750 0
EOG RES INC COM Stock 26875P101 328 3,522 SH   SOLE   0 0 3,522
EXXON MOBIL CORP COM Stock 30231G102 1,164 15,184 SH   DFND 1 0 333 14,851
FACEBOOK INC CL A Stock 30303M102 1,949 10,097 SH   SOLE   0 0 10,097
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 403 14,585 SH   SOLE   0 0 14,585
FORD MTR CO DEL COM Stock 345370860 115 11,230 SH   DFND 1 0 10,730 500
GENERAL DYNAMICS CORP COM Stock 369550108 2,473 13,603 SH   SOLE   0 0 13,603
GOLDMAN SACHS GROUP INC COM Stock 38141G104 1,995 9,751 SH   SOLE   0 0 9,750
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 205 2,215 SH   SOLE   0 0 2,215
HOLOGIC INC COM Stock 436440101 264 5,500 SH   SOLE   0 0 5,500
HOME DEPOT INC COM Stock 437076102 1,548 7,441 SH   SOLE   0 0 7,441
HONEYWELL INTL INC COM Stock 438516106 612 3,505 SH   DFND 1 0 167 3,338
INTEL CORP COM Stock 458140100 1,125 23,508 SH   SOLE   0 0 23,508
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 593 4,299 SH   DFND 1 0 1,297 3,002
INTUIT COM Stock 461202103 235 900 SH   SOLE   0 0 900
INVESCO DWA MOMENTUM ETF ETF 46137V837 304 5,045 SH   SOLE   0 0 5,045
INVESCO FTSE RAFI US 1000 ETF ETF 46137V613 2,520 21,604 SH   SOLE   0 0 21,604
INVESCO FTSE RAFI US 1500A SMALL-MIDA ETF ETF 46137V597 1,539 12,056 SH   SOLE   0 0 12,056
INVESCO INTERNATIONAL BUYBACK ACHIEVERSA ETF ETF 46138E644 214 6,720 SH   SOLE   0 0 6,720
INVESCO QQQ TRUST ETF 46090E103 1,267 6,787 SH   SOLE   0 0 6,787
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 755 7,003 SH   SOLE   0 0 7,003
IQVIA HLDGS INC COM Stock 46266C105 309 1,920 SH   SOLE   0 0 1,920
ISHARES COMEX GOLD TRUST ETF 464285105 432 32,000 SH   SOLE   0 0 32,000
ISHARES CORE S&P 500 ETF ETF 464287200 523 1,773 SH   SOLE   0 0 1,773
ISHARES EDGE MSCI MIN VOL USA ETF ETF 46429B697 247 4,000 SH   SOLE   0 0 4,000
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF 464287556 235 2,153 SH   SOLE   0 0 2,153
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 288 2,260 SH   SOLE   0 0 2,260
ISHARES S&P MIDCAP FUND ETF 464287507 504 2,593 SH   SOLE   0 0 2,593
ISHARES S&P SMALL-CAP FUND ETF 464287804 745 9,516 SH   SOLE   0 0 9,516
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 606 3,064 SH   SOLE   0 0 3,064
JOHNSON & JOHNSON COM Stock 478160104 1,963 14,094 SH   DFND 1 0 75 14,019
JPMORGAN CHASE & CO COM Stock 46625H100 2,900 25,938 SH   SOLE   0 0 25,938
KIMBERLY CLARK CORP COM Stock 494368103 485 3,640 SH   SOLE   0 0 3,640
LOCKHEED MARTIN CORP COM Stock 539830109 784 2,156 SH   SOLE   0 0 2,156
LOWES COS INC COM Stock 548661107 873 8,650 SH   SOLE   0 0 8,650
M & T BK CORP COM Stock 55261F104 298 1,751 SH   SOLE   0 0 1,751
MARKEL CORP COM Stock 570535104 739 678 SH   SOLE   0 0 678
MASTERCARD INC CL A Stock 57636Q104 930 3,516 SH   SOLE   0 0 3,516
MCDONALDS CORP COM Stock 580135101 1,161 5,592 SH   SOLE   0 0 5,592
MERCK & CO INC COM Stock 58933Y105 646 7,708 SH   SOLE   0 0 7,708
MICROSOFT CORP COM Stock 594918104 2,921 21,803 SH   DFND 1 0 375 21,428
MONDELEZ INTL INC CL A Stock 609207105 285 5,279 SH   SOLE   0 0 5,278
MORGAN STANLEY COM NEW Stock 617446448 462 10,540 SH   SOLE   0 0 10,540
MSA SAFETY INC COM Stock 553498106 306 2,900 SH   DFND 1 0 2,900 0
NETFLIX INC COM Stock 64110L106 350 952 SH   SOLE   0 0 952
NEXTERA ENERGY INC COM Stock 65339F101 413 2,016 SH   SOLE   0 0 2,016
NIKE INC CL B Stock 654106103 497 5,924 SH   SOLE   0 0 5,924
NORFOLK SOUTHERN CORP COM Stock 655844108 228 1,145 SH   SOLE   0 0 1,145
NORTHROP GRUMMAN CORP COM Stock 666807102 567 1,755 SH   SOLE   0 0 1,755
OMEGA FLEX INC COM Stock 682095104 31,196 406,145 SH   SOLE   0 0 406,145
PAYPAL HLDGS INC COM Stock 70450Y103 208 1,813 SH   SOLE   0 0 1,813
PEPSICO INC COM Stock 713448108 558 4,255 SH   SOLE   0 0 4,255
PFIZER INC COM Stock 717081103 3,452 79,681 SH   DFND 1 0 348 79,333
PHILIP MORRIS INTL INC COM Stock 718172109 493 6,280 SH   SOLE   0 0 6,280
PHILLIPS 66 COM Stock 718546104 252 2,693 SH   SOLE   0 0 2,693
PNC FINL SVCS GROUP INC COM Stock 693475105 610 4,443 SH   SOLE   0 0 4,443
PROCTER & GAMBLE CO COM Stock 742718109 1,976 18,020 SH   SOLE   0 0 18,020
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF ETF 74348A467 443 6,381 SH   SOLE   0 0 6,381
S&P GLOBAL INC COM Stock 78409V104 221 969 SH   SOLE   0 0 969
SALESFORCE COM INC COM Stock 79466L302 479 3,158 SH   SOLE   0 0 3,158
SCHWAB U.S. REIT ETF ETF 808524847 463 10,411 SH   SOLE   0 0 10,411
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 2,939 41,117 SH   SOLE   0 0 41,117
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1,400 26,376 SH   SOLE   0 0 26,375
SOUTHERN CO COM Stock 842587107 586 10,597 SH   SOLE   0 0 10,597
SPDR S&P 500 ETF ETF 78462F103 1,371 4,680 SH   DFND 1 0 65 4,615
SPDR S&P AEROSPACE & DEFENSE ETF ETF 78464A631 501 4,825 SH   SOLE   0 0 4,825
SPDR S&P BIOTECH ETF ETF 78464A870 207 2,360 SH   SOLE   0 0 2,360
SPDR S&P DIVIDEND ETF ETF 78464A763 333 3,301 SH   SOLE   0 0 3,301
STARBUCKS CORP COM Stock 855244109 370 4,411 SH   SOLE   0 0 4,411
STRYKER CORP COM Stock 863667101 283 1,378 SH   SOLE   0 0 1,378
TE CONNECTIVITY LTD REG SHS Stock H84989104 250 2,607 SH   SOLE   0 0 2,607
TESLA INC COM Stock 88160R101 239 1,071 SH   SOLE   0 0 1,071
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 776 2,641 SH   SOLE   0 0 2,641
TJX COS INC NEW COM Stock 872540109 207 3,910 SH   SOLE   0 0 3,910
UNITED PARCEL SERVICE INC CL B Stock 911312106 324 3,133 SH   DFND 1 0 2,083 1,050
UNITED TECHNOLOGIES CORP COM Stock 913017109 1,710 13,137 SH   SOLE   0 0 13,137
UNITEDHEALTH GROUP INC COM Stock 91324P102 786 3,222 SH   SOLE   0 0 3,222
US BANCORP DEL COM NEW Stock 902973304 205 3,920 SH   SOLE   0 0 3,920
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 8,194 71,149 SH   SOLE   0 0 71,149
VANGUARD ENERGY INDEX FUND ETF 92204A306 260 3,057 SH   SOLE   0 0 3,057
VANGUARD FINANCIALS INDEX FUND ETF 92204A405 3,883 56,266 SH   SOLE   0 0 56,266
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,793 42,168 SH   SOLE   0 0 42,168
VANGUARD GROWTH INDEX FUND ETF 922908736 3,781 23,143 SH   SOLE   0 0 23,143
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 2,070 11,903 SH   SOLE   0 0 11,903
VANGUARD INFORMATION TECHNOLOGY INDEX FUND ETF 92204A702 2,644 12,537 SH   SOLE   0 0 12,537
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF ETF 921946810 7,605 111,762 SH   SOLE   0 0 111,762
VANGUARD MID-CAP INDEX FUND ETF 922908629 359 2,145 SH   SOLE   0 0 2,145
VANGUARD REAL ESTATE ETF ETF 922908553 2,857 32,685 SH   SOLE   0 0 32,685
VANGUARD S&P 500 GROWTH ETF ETF 921932505 4,700 29,175 SH   SOLE   0 0 29,175
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 1,638 26,885 SH   SOLE   0 0 26,885
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 5,789 36,952 SH   SOLE   0 0 36,951
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 240 4,546 SH   SOLE   0 0 4,546
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 1,922 12,803 SH   SOLE   0 0 12,802
VANGUARD TOTAL WORLD STOCK INDEX FUND ETF 922042742 329 4,381 SH   SOLE   0 0 4,381
VANGUARD VALUE INDEX FUND ETF 922908744 506 4,559 SH   SOLE   0 0 4,559
VERIZON COMMUNICATIONS INC COM Stock 92343V104 520 9,102 SH   DFND 1 0 6,152 2,950
VISA INC COM CL A Stock 92826C839 4,768 27,476 SH   SOLE   0 0 27,476
WASHINGTON TR BANCORP COM Stock 940610108 564 10,814 SH   SOLE   0 0 10,814
WELLS FARGO CO NEW COM Stock 949746101 403 8,515 SH   SOLE   0 0 8,515
WELLS FARGO CO NEW PERP PFD CNV A Convertible Preferred 949746804 690 506 SH   SOLE   0 0 506
WESTERN ASSET HGH YLD DFNDFD COM CEF 95768B107 172 11,464 SH   SOLE   0 0 11,464