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
American Water Works Co Inc US EQUITIES 030411102   11 93 SH   SOLE   93 0 0
Alerian Master Limited Partner US EQUITIES 00162q452   11 245 SH   SOLE   245 0 0
Duke Energy Corporation US EQUITIES 26441c204   11 121 SH   SOLE   121 0 0
Automatic Data Processing Inc. US EQUITIES 053015103   13 55 SH   SOLE   55 0 0
Southern Co US EQUITIES 842587107   14 200 SH   SOLE   200 0 0
Sanofi (EUROS) INTERNATIONAL EQUITY f5548n101   14 150 SH   SOLE   150 0 0
Honeywell International Inc. US EQUITIES 438516106   14 73 SH   SOLE   73 0 0
Allegiant Travel Company US EQUITIES 01748x102   15 200 SH   SOLE   200 0 0
Hartford Financial Services Gr US EQUITIES 416515104   15 150 SH   SOLE   150 0 0
Prologis Inc US EQUITIES 74340w103   15 120 SH   SOLE   120 0 0
Kroger Co US EQUITIES 501044101   15 275 SH   SOLE   275 0 0
Vanguard Index Fd Small-Cap ET US EQUITIES 922908751   16 72 SH   SOLE   72 0 0
Ford Motor Co US EQUITIES 345370860   16 1,240 SH   SOLE   1,240 0 0
Zoetis Inc. US EQUITIES 98978v103   18 108 SH   SOLE   108 0 0
J.M. Smucker Co. US EQUITIES 832696405   18 150 SH   SOLE   150 0 0
Vanguard Index Growth ETF US EQUITIES 922908736   20 60 SH   SOLE   60 0 0
PJT Partners Inc. US EQUITIES 69343t107   21 231 SH   SOLE   231 0 0
AT&T Inc. US EQUITIES 00206r102   22 1,306 SH   SOLE   1,306 0 0
Chevron Corporation US EQUITIES 166764100   23 150 SH   SOLE   150 0 0
General Mills Inc US EQUITIES 370334104   24 350 SH   SOLE   350 0 0
iShares DJ Select Dividend ETF US EQUITIES 464287168   24 200 SH   SOLE   200 0 0
National Fuel Gas Co US EQUITIES 636180101   26 500 SH   SOLE   500 0 0
Carlisle Cos Inc US EQUITIES 142339100   27 70 SH   SOLE   70 0 0
Devon Energy Corp. US EQUITIES 25179m103   30 600 SH   SOLE   600 0 0
Black Hills Corp US EQUITIES 092113109   30 567 SH   SOLE   567 0 0
Palantir Technologies Inc. US EQUITIES 69608a108   32 1,430 SH   SOLE   1,430 0 0
Fortune Brands Home & Sec Inc US EQUITIES 34964c106   33 400 SH   SOLE   400 0 0
Siemens AG NPV (EUROS) INTERNATIONAL EQUITY d69671218   34 180 SH   SOLE   180 0 0
Occidental Petroleum Corp US EQUITIES 674599105   34 530 SH   SOLE   530 0 0
Clorox Co US EQUITIES 189054109   34 225 SH   SOLE   225 0 0
Comcast Corp New Class A US EQUITIES 20030n101   37 872 SH   SOLE   872 0 0
Enphase Energyy Inc. US EQUITIES 29355A107   39 328 SH   SOLE   328 0 0
Xylem Inc US EQUITIES 98419m100   40 310 SH   SOLE   310 0 0
CNFinance Holdings Limited ADS US EQUITIES 18979t105   41 20,086 SH   SOLE   20,086 0 0
Philip Morris Intl. Inc. US EQUITIES 718172109   45 500 SH   SOLE   500 0 0
SPDR S&P Dividend ETF US EQUITIES 78464a763   47 362 SH   SOLE   362 0 0
SAP SE (EUROS) INTERNATIONAL EQUITY d66992104   48 250 SH   SOLE   250 0 0
Corning Inc US EQUITIES 219350105   49 1,500 SH   SOLE   1,500 0 0
Danaher Corp US EQUITIES 235851102   49 200 SH   SOLE   200 0 0
Veolia Environnement SA (EUROS INTERNATIONAL EQUITY f9686m107   52 1,600 SH   SOLE   1,600 0 0
Wells Fargo & Co US EQUITIES 949746101   52 900 SH   SOLE   900 0 0
Infineon Technologies AG (EURO INTERNATIONAL EQUITY d35415104   54 1,600 SH   SOLE   1,600 0 0
Verizon Communications Inc US EQUITIES 92343v104   56 1,357 SH   SOLE   1,357 0 0
Consolidated Water Co. Ltd. US EQUITIES g23773107   58 2,000 SH   SOLE   2,000 0 0
Bristol-Myers Squibb Co US EQUITIES 110122108   59 1,100 SH   SOLE   1,100 0 0
Goldman Sachs Group Inc US EQUITIES 38141g104   62 150 SH   SOLE   150 0 0
American Electric Power Co US EQUITIES 025537101   65 756 SH   SOLE   756 0 0
Newmont Mining Corp US EQUITIES 651639106   65 1,826 SH   SOLE   1,826 0 0
Heidelbergcement AG (EUROS) INTERNATIONAL EQUITY d31709104   66 600 SH   SOLE   600 0 0
Schwab Cap Trs&p 500 Select US EQUITIES 808509855   66 825 SH   SOLE   825 0 0
PNC Financial Svcs Group Inc US EQUITIES 693475105   68 425 SH   SOLE   425 0 0
First Tr NASDAQ Tech Div Indx US EQUITIES 33738r118   69 1,000 SH   SOLE   1,000 0 0
Mondelez Intl Inc US EQUITIES 609207105   70 1,000 SH   SOLE   1,000 0 0
BNP Paribas SA INTERNATIONAL EQUITY f1058q238   71 1,000 SH   SOLE   1,000 0 0
Technology Select Sector SPDR US EQUITIES 81369y803   72 350 SH   SOLE   350 0 0
iShares S&P 100 ETF US EQUITIES 464287101   74 300 SH   SOLE   300 0 0
Ptc Inc. US EQUITIES 69370c100   74 395 SH   SOLE   395 0 0
Quanta Services Inc US EQUITIES 74762e102   74 288 SH   SOLE   288 0 0
Tootsie Roll Industries Inc US EQUITIES 890516107   75 2,355 SH   SOLE   2,355 0 0
Kimberly-Clark Corp US EQUITIES 494368103   82 640 SH   SOLE   640 0 0
Pfizer Inc US EQUITIES 717081103   84 3,034 SH   SOLE   3,034 0 0
Coca Cola Co US EQUITIES 191216100   84 1,381 SH   SOLE   1,381 0 0
Royal Dutch Shell PLC ADS CL A US EQUITIES 780259206   87 1,300 SH   SOLE   1,300 0 0
Abbott Laboratories US EQUITIES 002824100   99 875 SH   SOLE   875 0 0
Visa Inc. Class A US EQUITIES 92826c839   102 367 SH   SOLE   367 0 0
Accenture Plc F Class A US EQUITIES g1151c101   103 300 SH   SOLE   300 0 0
Exxon Mobil Corp US EQUITIES 30231g102   111 958 SH   SOLE   958 0 0
Edwards Lifesciences Corp US EQUITIES 28176E108   114 1,200 SH   SOLE   1,200 0 0
Vanguard Star Fd Total Intl. S US EQUITIES 921909768   116 1,930 SH   SOLE   1,930 0 0
Deutsche Telekom AG (EUROS) INTERNATIONAL EQUITY d2035m136   119 4,900 SH   SOLE   4,900 0 0
FMC Corp. US EQUITIES 302491303   121 1,900 SH   SOLE   1,900 0 0
Allianz ADS Ord Shares US EQUITIES 018820100   131 4,400 SH   SOLE   4,400 0 0
Bank of Montreal INTERNATIONAL EQUITY 063671101   136 1,400 SH   SOLE   1,400 0 0
Waste Management Inc US EQUITIES 94106l109   137 645 SH   SOLE   645 0 0
Invesco QQQ TR Unit Ser 1 US EQUITIES 46090e103   147 333 SH   SOLE   333 0 0
International Flavors & Fragra US EQUITIES 459506101   148 1,725 SH   SOLE   1,725 0 0
Lockheed Martin Corp US EQUITIES 539830109   156 344 SH   SOLE   344 0 0
American Express Company US EQUITIES 025816109   165 729 SH   SOLE   729 0 0
Crown Castle International Cor US EQUITIES 22822v101   168 1,592 SH   SOLE   1,592 0 0
Bank of NY Mellon Corp US EQUITIES 064058100   174 3,021 SH   SOLE   3,021 0 0
Procter & Gamble Co US EQUITIES 742718109   181 1,182 SH   SOLE   1,182 0 0
AbbVie Inc US EQUITIES 00287y109   202 1,114 SH   SOLE   1,114 0 0
Cisco Systems Inc US EQUITIES 17275r102   222 4,463 SH   SOLE   4,463 0 0
New Jersey Resources Corp US EQUITIES 646025106   225 5,250 SH   SOLE   5,250 0 0
Deutsche Telekom AG ADR US EQUITIES 251566105   233 9,650 SH   SOLE   9,650 0 0
Intra-Cellular Therapies, Inc US EQUITIES 46116x101   245 3,550 SH   SOLE   3,550 0 0
Nestle SA Spons ADR US EQUITIES 641069406   278 2,625 SH   SOLE   2,625 0 0
Deere & Co US EQUITIES 244199105   289 704 SH   SOLE   704 0 0
ASML Holding NV INTERNATIONAL EQUITY n07059210   291 300 SH   SOLE   300 0 0
Walt Disney Co US EQUITIES 254687106   295 2,415 SH   SOLE   2,415 0 0
International Business Machine US EQUITIES 459200101   319 1,628 SH   SOLE   1,628 0 0
Illinois Tool Works Inc US EQUITIES 452308109   318 1,188 SH   SOLE   1,188 0 0
Pepsico Inc. US EQUITIES 713448108   408 2,334 SH   SOLE   2,334 0 0
Colgate Palmolive Co US EQUITIES 194162103   477 5,300 SH   SOLE   5,300 0 0
Vanguard ETF Index Funds Mid C US EQUITIES 922908538   508 2,157 SH   SOLE   2,157 0 0
Chubb LTD F US EQUITIES h1467j104   518 2,006 SH   SOLE   2,006 0 0
Roche Holding Ltd. Spons ADR US EQUITIES 771195104   542 17,010 SH   SOLE   17,010 0 0
Bank of America Corp US EQUITIES 060505104   666 17,570 SH   SOLE   17,570 0 0
SPDR S&P500 ETF US EQUITIES 78462f103   773 1,478 SH   SOLE   1,478 0 0
Zebra Technologies Corp Cl A US EQUITIES 989207105   851 2,825 SH   SOLE   2,825 0 0
SS&C Technologies Hldgs Inc. US EQUITIES 78467j100   854 13,272 SH   SOLE   13,272 0 0
Air Products & Chemicals Inc US EQUITIES 009158106   862 3,560 SH   SOLE   3,560 0 0
McDonalds Corp US EQUITIES 580135101   921 3,269 SH   SOLE   3,269 0 0
Johnson & Johnson US EQUITIES 478160104   988 6,248 SH   SOLE   6,248 0 0
ASML Holding N.V. US EQUITIES n07059210   1,067 1,100 SH   SOLE   1,100 0 0
Medtronic Inc US EQUITIES 585055106   1,191 13,677 SH   SOLE   13,677 0 0
Jacobs Engineering Group Inc US EQUITIES 46982L108   1,216 7,911 SH   SOLE   7,911 0 0
Berkshire Hathaway Inc. Del Cl US EQUITIES 084670702   1,610 3,829 SH   SOLE   3,829 0 0
Wal-Mart Stores Inc US EQUITIES 931142103   1,718 28,560 SH   SOLE   28,560 0 0
Qualcomm Inc US EQUITIES 747525103   2,167 12,803 SH   SOLE   12,803 0 0
Regeneron Pharmaceuticals Inc US EQUITIES 75886f107   2,221 2,308 SH   SOLE   2,308 0 0
Alphabet Inc. Class C US EQUITIES 02079k107   2,344 15,400 SH   SOLE   15,400 0 0
Starbucks Corp US EQUITIES 855244109   3,132 34,275 SH   SOLE   34,275 0 0
Merck & Co Inc US EQUITIES 58933y105   3,627 27,490 SH   SOLE   27,490 0 0
Vertex Pharmaceuticals Inc US EQUITIES 92532f100   5,734 13,719 SH   SOLE   13,719 0 0
Rollins Inc US EQUITIES 775711104   6,223 134,496 SH   SOLE   134,496 0 0
Morgan Stanley US EQUITIES 617446448   6,778 71,987 SH   SOLE   71,987 0 0
Blackrock Inc US EQUITIES 09247x101   7,076 8,488 SH   SOLE   8,488 0 0
L3Harris Technologies Inc. US EQUITIES 502431109   7,135 33,486 SH   SOLE   33,486 0 0
Schlumberger Ltd US EQUITIES 806857108   7,336 133,848 SH   SOLE   133,848 0 0
NextEra Energy Inc US EQUITIES 65339f101   7,494 117,267 SH   SOLE   117,267 0 0
Oracle Corporation US EQUITIES 68389x105   7,585 60,388 SH   SOLE   60,388 0 0
Thermo Fisher Scntfc US EQUITIES 883556102   7,797 13,416 SH   SOLE   13,416 0 0
Unitedhealth Grp Inc US EQUITIES 91324p102   7,858 15,885 SH   SOLE   15,885 0 0
Rockwell Automation Inc. US EQUITIES 773903109   7,919 27,183 SH   SOLE   27,183 0 0
Ulta Beauty Inc US EQUITIES 90384s303   8,098 15,488 SH   SOLE   15,488 0 0
Novo Nordisk A/S ADR US EQUITIES 670100205   8,131 63,331 SH   SOLE   63,331 0 0
CVS Health Corp US EQUITIES 126650100   8,194 102,616 SH   SOLE   102,616 0 0
Motorola Solutions Inc US EQUITIES 620076307   8,208 23,123 SH   SOLE   23,123 0 0
Stryker Corp US EQUITIES 863667101   8,421 23,532 SH   SOLE   23,532 0 0
Fiserv Inc US EQUITIES 337738108   8,455 52,909 SH   SOLE   52,909 0 0
Intuit Inc US EQUITIES 461202103   8,883 13,666 SH   SOLE   13,666 0 0
S&P Global Inc US EQUITIES 78409v104   9,076 21,334 SH   SOLE   21,334 0 0
Linde PLC ADR US EQUITIES G54950103   9,156 19,721 SH   SOLE   19,721 0 0
Broadridge Financial Solutions US EQUITIES 11133t103   9,294 45,350 SH   SOLE   45,350 0 0
Home Depot Inc US EQUITIES 437076102   10,323 26,912 SH   SOLE   26,912 0 0
T-Mobile US Inc. US EQUITIES 872590104   10,672 65,386 SH   SOLE   65,386 0 0
Mastercard Inc Class A US EQUITIES 57636q104   11,461 23,800 SH   SOLE   23,800 0 0
JPMorgan Chase & Co US EQUITIES 46625h100   11,468 57,257 SH   SOLE   57,257 0 0
Adobe Inc US EQUITIES 00724f101   11,489 22,769 SH   SOLE   22,769 0 0
Broadcom Limited US EQUITIES 11135f101   12,571 9,485 SH   SOLE   9,485 0 0
Blackstone Group Inc. Cl A US EQUITIES 09260d107   13,317 101,373 SH   SOLE   101,373 0 0
Costco Wholesale Co US EQUITIES 22160k105   13,354 18,228 SH   SOLE   18,228 0 0
Palo Alto Networks Inc US EQUITIES 697435105   13,731 48,328 SH   SOLE   48,328 0 0
Alphabet Inc. Class A US EQUITIES 02079k305   14,705 97,434 SH   SOLE   97,434 0 0
Meta Platforms Class A Common US EQUITIES 30303m102   16,145 33,250 SH   SOLE   33,250 0 0
Eli Lilly & Co US EQUITIES 532457108   16,552 21,276 SH   SOLE   21,276 0 0
Amazon.com Inc US EQUITIES 023135106   17,426 96,609 SH   SOLE   96,609 0 0
Apple Inc US EQUITIES 037833100   18,090 105,498 SH   SOLE   105,498 0 0
Nvidia Corp. US EQUITIES 67066g104   21,070 23,319 SH   SOLE   23,319 0 0
Microsoft Corp US EQUITIES 594918104   36,878 87,655 SH   SOLE   87,655 0 0