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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101 4,996 28,322 SH   SOLE   25,932 0 2,390
AFLAC Inc. COM 001055102 555 10,500 SH   SOLE   9,100 0 1,400
AT&T Inc. COM 00206R102 3,357 85,910 SH   SOLE   73,882 0 12,028
ATC Healthcare Inc-A COM 00209C102 0 21,930 SH   SOLE   21,930 0 0
AbbVie Inc. COM 00287Y109 9,533 107,671 SH   SOLE   100,385 0 7,286
Abbott Laboratories COM 002824100 4,250 48,933 SH   SOLE   42,918 0 6,015
Accenture Plc COM G1151C101 226 1,077 SH   SOLE   267 0 810
Adobe Systems Inc. COM 00724F101 920 2,790 SH   SOLE   2,190 0 600
Air Products & Chemicals COM 009158106 599 2,550 SH   SOLE   0 0 2,550
Airbus SE COM 009279100 1,725 46,960 SH   SOLE   44,875 0 2,085
Airtrax COM 008920100 0 33,200 SH   SOLE   33,200 0 0
Alcon COM H01301128 441 7,808 SH   SOLE   7,573 0 235
Alibaba Group Holding Ltd COM 01609w102 2,975 14,031 SH   SOLE   11,771 0 2,260
Allegion plc COM G0176J109 533 4,286 SH   SOLE   4,286 0 0
Alphabet Inc. Class A COM 02079K305 768 574 SH   SOLE   142 0 432
Alphabet Inc. Class C COM 02079K107 4,640 3,471 SH   SOLE   3,086 0 385
Amazon.com Inc. COM 023135106 436 236 SH   SOLE   102 0 134
Amdocs Limited COM G02602103 272 3,775 SH   SOLE   3,425 0 350
American Express Co. COM 025816109 3,120 25,064 SH   SOLE   19,570 0 5,494
American Intl Group, Inc. COM 026874784 1,365 26,598 SH   SOLE   23,423 0 3,175
American Water Works COM 030420103 496 4,042 SH   SOLE   4,042 0 0
Analog Devices Inc. COM 032654105 783 6,595 SH   SOLE   4,495 0 2,100
Aon plc COM G0408V102 1,754 8,425 SH   SOLE   7,880 0 545
Apple Inc. COM 037833100 7,163 24,393 SH   SOLE   22,328 0 2,065
Ares Management LP COM 03990B101 1,592 44,617 SH   SOLE   43,492 0 1,125
Automatic Data Processing Inc. COM 053015103 486 2,855 SH   SOLE   2,855 0 0
Avery Dennison Corp. COM 053611109 7,940 60,698 SH   SOLE   58,103 0 2,595
Bank of America Corp COM 060505104 356 10,136 SH   SOLE   5,890 0 4,246
Becton Dickinson & Co. COM 075887109 1,751 6,440 SH   SOLE   4,738 0 1,702
Berkshire Hathaway Class B COM 084670702 945 4,175 SH   SOLE   3,100 0 1,075
Biogen Inc. COM 09062X103 1,715 5,780 SH   SOLE   5,530 0 250
Boeing Company COM 097023105 6,713 20,609 SH   SOLE   17,822 0 2,787
Bristol-Myers Squibb Co. COM 110122108 9,472 147,575 SH   SOLE   139,910 0 7,665
CVS Health Corp. COM 126650100 6,089 81,970 SH   SOLE   79,250 0 2,720
Canadian Solar Inc COM 136635109 753 34,092 SH   SOLE   31,817 0 2,275
CarMax Inc. COM 143130102 2,391 27,282 SH   SOLE   26,502 0 780
Chevron Corp COM 166764100 1,479 12,277 SH   SOLE   7,268 0 5,009
Chipotle Mexican Grill COM 169656105 301 360 SH   SOLE   295 0 65
Cisco Systems Inc. COM 17275R102 4,774 99,555 SH   SOLE   93,790 0 5,765
Citigroup Inc. COM 172967424 10,535 131,875 SH   SOLE   122,630 0 9,245
Citizens Financial Group COM 174610105 9,375 230,879 SH   SOLE   222,344 0 8,535
Coca-Cola Company COM 191216100 1,342 24,252 SH   SOLE   22,276 0 1,976
Colgate-Palmolive Co COM 194162103 2,920 42,419 SH   SOLE   40,010 0 2,409
Comcast cl A COM 20030N101 956 21,279 SH   SOLE   18,939 0 2,340
ConocoPhillips COM 20825C104 318 4,900 SH   SOLE   4,900 0 0
Costco Wholesale Corp COM 22160K105 2,231 7,593 SH   SOLE   7,443 0 150
DXC Technology COM 23355L106 1,979 52,667 SH   SOLE   49,627 0 3,040
Danaher Corporation COM 235851102 465 3,031 SH   SOLE   1,831 0 1,200
Devon Energy Corp COM 25179M103 652 25,113 SH   SOLE   25,113 0 0
Diageo PLC ADS COM 25243Q205 2,883 17,118 SH   SOLE   16,508 0 610
Dollar Tree, Inc. COM 256746108 235 2,500 SH   SOLE   2,500 0 0
Dover Corporation COM 260003108 328 2,850 SH   SOLE   2,850 0 0
Ecolab Inc COM 278865100 628 3,258 SH   SOLE   2,308 0 950
Elanco Animal Health Inc COM 28414H103 807 27,435 SH   SOLE   26,935 0 500
Eli Lilly & Co. COM 532457108 1,028 7,825 SH   SOLE   7,825 0 0
Encana Corp COM 292505104 2,390 509,754 SH   SOLE   486,479 0 23,275
Enterprise Products Part LP COM 293792107 355 12,625 SH   SOLE   12,625 0 0
Equitrans Midstream Corporatio COM 294600101 4,386 328,325 SH   SOLE   313,225 0 15,100
Everest Re Group Ltd COM G3223R108 6,771 24,460 SH   SOLE   21,930 0 2,530
Exxon Mobil Corporation COM 30231G102 1,180 16,916 SH   SOLE   13,188 0 3,728
FS KKR Capital Corp COM 302635107 2,916 475,765 SH   SOLE   462,265 0 13,500
Facebook, Inc. cl A COM 30303M102 2,753 13,415 SH   SOLE   11,160 0 2,255
FedEx Corp COM 31428X106 2,732 18,073 SH   SOLE   15,293 0 2,780
Fidelity National Financial, I COM 31620R303 574 12,659 SH   SOLE   12,459 0 200
First Horizon National Corp COM 320517105 216 13,050 SH   SOLE   13,050 0 0
First Solar, Inc. COM 336433107 1,305 23,322 SH   SOLE   22,412 0 910
Goldman Sachs Group Inc COM 38141G104 3,620 15,745 SH   SOLE   13,660 0 2,085
Halliburton Company COM 406216101 678 27,711 SH   SOLE   27,225 0 486
Hanover Insurance Grp (The) COM 410867105 300 2,199 SH   SOLE   2,199 0 0
Home Depot Inc. COM 437076102 2,116 9,692 SH   SOLE   9,692 0 0
Honeywell Intl Inc COM 438516106 715 4,042 SH   SOLE   100 0 3,942
Horizon Bancorp IN COM 440407104 2,929 154,197 SH   SOLE   150,422 0 3,775
Hudson's Bay Co COM 444218101 122 16,136 SH   SOLE   16,136 0 0
Huntington Bancshares, Inc. COM 446150104 3,118 206,776 SH   SOLE   202,076 0 4,700
IAC/InterActiveCorp COM 44919P508 321 1,290 SH   SOLE   700 0 590
IBM Corp COM 459200101 3,800 28,352 SH   SOLE   27,647 0 705
Illinois Tool Works Inc. COM 452308109 2,147 11,955 SH   SOLE   11,955 0 0
Ingersoll-Rand Plc COM G47791101 938 7,061 SH   SOLE   7,061 0 0
Intel Corporation COM 458140100 6,799 113,604 SH   SOLE   99,992 0 13,612
JPMorgan Chase & Co COM 46625H100 9,287 66,626 SH   SOLE   57,060 0 9,566
Johnson & Johnson COM 478160104 11,260 77,197 SH   SOLE   69,198 0 7,998
Kimberly-Clark Corp. COM 494368103 2,881 20,946 SH   SOLE   20,061 0 885
Kinder Morgan Inc cl P COM 49456B101 2,585 122,120 SH   SOLE   114,970 0 7,150
Kohl's Corporation COM 500255104 407 7,994 SH   SOLE   7,994 0 0
Laboratory Corp of America COM 50540R409 2,779 16,429 SH   SOLE   16,429 0 0
Landstar System Inc. COM 515098101 949 8,337 SH   SOLE   7,757 0 580
Lazard Ltd. COM G54050102 265 6,634 SH   SOLE   6,634 0 0
Lincoln Electric Holdings COM 533900106 219 2,266 SH   SOLE   2,266 0 0
Lincoln National Corp COM 534187109 6,395 108,372 SH   SOLE   105,102 0 3,270
Linde PLC COM G5494J103 2,094 9,837 SH   SOLE   9,637 0 200
Lowes Companies Inc. COM 548661107 2,619 21,877 SH   SOLE   20,019 0 1,858
Lululemon Athletica Inc. COM 550021109 215 930 SH   SOLE   410 0 520
MSC Industrial Direct Co-A COM 553530106 2,556 32,585 SH   SOLE   31,660 0 925
Marsh & McLennan Company Inc COM 571748102 5,419 48,643 SH   SOLE   46,878 0 1,765
McCormick & Co, Inc. COM 579780206 454 2,675 SH   SOLE   2,100 0 575
McDonald's Corp. COM 580135101 322 1,630 SH   SOLE   1,390 0 240
Medical Properties Trust Inc COM 58463J304 329 15,591 SH   SOLE   11,291 0 4,300
Medtronic, PLC COM G5960L103 2,285 20,144 SH   SOLE   19,524 0 620
Mercadolibre COM 58733R102 474 830 SH   SOLE   320 0 510
Merck & Co. Inc. COM 58933Y105 10,786 118,597 SH   SOLE   111,873 0 6,723
Metal Storm Limited-Spon ADR COM 591120100 0 22,750 SH   SOLE   22,750 0 0
Microsoft Corporation COM 594918104 9,792 62,093 SH   SOLE   54,313 0 7,780
NVIDIA Corp COM 67066G104 1,098 4,670 SH   SOLE   4,360 0 310
NXP Semiconductors NV COM n6596x109 3,044 23,920 SH   SOLE   20,820 0 3,100
Nestle S.A. ADR COM 641069406 3,399 31,402 SH   SOLE   29,042 0 2,360
Noble Energy Inc. COM 655044105 308 12,405 SH   SOLE   11,605 0 800
Norwegian Cruise Line Hldgs COM G66721104 2,216 37,955 SH   SOLE   36,315 0 1,640
Novartis AG COM 66987V109 5,169 54,591 SH   SOLE   52,776 0 1,815
OceanFirst Financial Corp COM 675234108 378 14,830 SH   SOLE   14,830 0 0
Oracle Corporation COM 68389X105 207 3,910 SH   SOLE   910 0 3,000
PNC Financial Services COM 693475105 4,116 25,785 SH   SOLE   24,605 0 1,180
PPG Industries Inc. COM 693506107 400 3,000 SH   SOLE   0 0 3,000
Packaging Corp of America COM 695156109 3,927 35,074 SH   SOLE   31,739 0 3,335
Paychex, Inc. COM 704326107 203 2,393 SH   SOLE   513 0 1,880
Paypal Holdings COM 70450Y103 314 2,910 SH   SOLE   1,055 0 1,855
PepsiCo, Inc. COM 713448108 1,559 11,408 SH   SOLE   7,530 0 3,878
Pfizer Inc. COM 717081103 700 17,887 SH   SOLE   5,071 0 12,816
Philip Morris Intl COM 718172109 597 7,019 SH   SOLE   7,019 0 0
Phillips 66 COM 718546104 3,291 29,540 SH   SOLE   29,215 0 325
Procter & Gamble Co. COM 742718109 771 6,173 SH   SOLE   1,769 0 4,403
Prudential Financial Inc COM 744320102 4,536 48,398 SH   SOLE   47,178 0 1,220
Qualcomm Inc. COM 747525103 5,520 62,575 SH   SOLE   58,615 0 3,960
Royal Dutch Shell PLC - ADR A COM 780259206 907 15,395 SH   SOLE   13,620 0 1,775
Royal Dutch Shell PLC - ADR B COM 780259107 3,016 50,307 SH   SOLE   47,456 0 2,851
Sabine Royalty Trust COM 785688102 201 5,000 SH   SOLE   5,000 0 0
Salesforce.com Inc COM 79466L302 203 1,250 SH   SOLE   185 0 1,065
Schlumberger Ltd. COM 806857108 848 21,101 SH   SOLE   16,401 0 4,700
South State Corporation COM 840441109 203 2,348 SH   SOLE   2,348 0 0
Starbucks Corporation COM 855244109 395 4,500 SH   SOLE   2,425 0 2,075
Stonepath Group Inc COM 861837102 0 138,000 SH   SOLE   138,000 0 0
Stryker Corp COM 863667101 1,292 6,158 SH   SOLE   5,368 0 790
Suncor Energy COM 867224107 4,561 139,073 SH   SOLE   133,028 0 6,045
Texas Instruments, Inc. COM 882508104 4,247 33,111 SH   SOLE   29,361 0 3,750
The Travelers Companies COM 89417E109 222 1,626 SH   SOLE   630 0 996
Thermo Fisher Scientific, Inc. COM 883556102 5,777 17,785 SH   SOLE   17,130 0 655
Toyota Motor Corporation COM 892331307 3,129 22,270 SH   SOLE   21,795 0 475
U.S. Bancorp COM 902973304 2,953 49,813 SH   SOLE   46,844 0 2,969
Ulta Beauty Inc COM 90384S303 668 2,641 SH   SOLE   2,576 0 65
Unilever N.V. COM 904784709 485 8,447 SH   SOLE   3,097 0 5,350
Unilever PLC ADR COM 904767704 3,539 61,916 SH   SOLE   58,388 0 3,528
Union Pacific Corp. COM 907818108 613 3,395 SH   SOLE   520 0 2,875
United Parcel Service Inc. COM 911312106 1,639 14,004 SH   SOLE   13,504 0 500
United Technologies Corp COM 913017109 440 2,940 SH   SOLE   2,715 0 225
Univest Corp of Penn. COM 915271100 386 14,419 SH   SOLE   14,419 0 0
V.F. Corporation COM 918204108 590 5,922 SH   SOLE   5,922 0 0
VISA Inc. COM 92826C839 370 1,970 SH   SOLE   1,970 0 0
Veeva Systems Inc-Class A COM 922475108 251 1,785 SH   SOLE   570 0 1,215
Verisk Analytics, Inc. cl A COM 92345Y106 3,194 21,389 SH   SOLE   21,389 0 0
Verizon Communications, Inc. COM 92343V104 2,131 34,718 SH   SOLE   30,222 0 4,496
Walt Disney Company COM 254687106 3,051 21,099 SH   SOLE   17,899 0 3,200
Waste Management Inc. COM 94106L109 380 3,341 SH   SOLE   3,341 0 0
Whirlpool Corporation COM 963320106 4,401 29,835 SH   SOLE   28,825 0 1,010
WhiteHorse Finance Inc. COM 96524V106 885 64,653 SH   SOLE   63,278 0 1,375
Willis Towers Watson Plc Ltd COM G96629103 4,430 21,938 SH   SOLE   21,423 0 515
Wyndham Destinations Inc COM 98310W108 3,237 62,635 SH   SOLE   60,810 0 1,825
Yum China Holdings COM 98850P109 214 4,460 SH   SOLE   4,300 0 160
Yum! Brands, Inc. COM 988498101 519 5,160 SH   SOLE   5,000 0 160
Zimmer Biomet Holdings Inc COM 98956P102 1,209 8,080 SH   SOLE   7,725 0 355
Zoetis Inc. COM 98978V103 5,153 38,940 SH   SOLE   34,365 0 4,575
AIM Charter Fund Income COM 001413103 226 14,209 SH   SOLE   14,209 0 0
Akre Focus Fund Institutional COM 742935125 221 4,847 SH   SOLE   4,847 0 0
Davis New York Venture Fund COM 239080104 321 10,853 SH   SOLE   10,853 0 0
Elements US Portfolio COM 861728731 3,215 244,513 SH   SOLE   244,513 0 0
Elements US Small Cap Portfoli COM 861728723 176 15,347 SH   SOLE   15,347 0 0
Fidelity 500 Index Instl Premi COM 315911750 376 3,360 SH   SOLE   3,360 0 0
Fidelity Total Market Index COM 315911693 381 4,210 SH   SOLE   4,210 0 0
JPMorgan Growth Advantage-I COM 4812A3718 1,225 54,088 SH   SOLE   54,088 0 0
JPMorgan Small Cap Equity Fund COM 4812A1373 450 7,522 SH   SOLE   7,522 0 0
Primecap Odyssey Stock Fund COM 74160Q301 1,518 44,038 SH   SOLE   44,038 0 0
Vanguard 500 Index-Adm COM 922908710 350 1,176 SH   SOLE   1,176 0 0
SPDR Port S&P 500 Value COM 78464A508 1,860 53,282 SH   SOLE   53,282 0 0
SPDR Port Total Stock Market COM 78464A805 6,076 152,445 SH   SOLE   152,445 0 0
SPDR Portfolio S&P 500 Growth COM 78464A409 3,518 83,949 SH   SOLE   83,949 0 0
SPDR Portfolio S&P 500 High COM 78468R788 1,913 48,480 SH   SOLE   48,480 0 0
SPDR S&P 500 ETF Trust Series COM 78462F103 9,012 28,002 SH   SOLE   26,466 0 1,536
SPDR S&P MidCap 400 ETF Trust COM 78467Y107 361 963 SH   SOLE   942 0 21
VanEck Vectors BDC Inc ETF COM 92189F411 950 56,754 SH   SOLE   56,754 0 0
Vanguard Growth ETF COM 922908736 1,390 7,633 SH   SOLE   7,633 0 0
Vanguard High Dividend Yield E COM 921946406 953 10,180 SH   SOLE   10,180 0 0
Vanguard Small Cap ETF COM 922908751 513 3,098 SH   SOLE   3,098 0 0
Vanguard Total Stock Mkt COM 922908769 1,230 7,519 SH   SOLE   7,519 0 0
Vanguard Value ETF COM 922908744 987 8,240 SH   SOLE   8,240 0 0
WisdomTree Total Dividend COM 97717W109 521 4,936 SH   SOLE   4,936 0 0
iShares Core S&P 500 Index Fun COM 464287200 314 974 SH   SOLE   974 0 0
iShares Russell 1000 Growth COM 464287614 398 2,267 SH   SOLE   2,112 0 155
iShares Russell 1000 Value COM 464287598 862 6,321 SH   SOLE   6,243 0 78
iShares Russell Midcap ETF COM 464287499 323 5,429 SH   SOLE   5,429 0 0
iShares S&P 500 Growth Index COM 464287309 1,126 5,816 SH   SOLE   5,816 0 0
iShares S&P MidCap 400 COM 464287507 1,101 5,352 SH   SOLE   5,352 0 0
Vanguard FTSE All-World Ex COM 922042718 361 3,255 SH   SOLE   3,255 0 0