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 COMPANY COM 885794101 376 2,524 SH   SOLE   2,524 0 0
ABBOTT LABORATORIES COM 002824100 1,444 12,198 SH   SOLE   2,909 0 9,289
ABBVIE INC COM COM 002874109 2,919 18,007 SH   SOLE   12,312 0 5,695
ADOBE SYSTEMS INC COM 00724F101 11,536 25,319 SH   SOLE   18,326 0 6,993
ADSOUTH PARTNERS INC (NV) COM 00737M200 0 10,001 SH   SOLE   0 0 10,001
ADVANCED MICRO DIVICES INC COM 007903107 5,331 48,760 SH   SOLE   36,208 0 12,552
AGNC INVESTMENT CORP COM 00123Q104 131 10,000 SH   SOLE   10,000 0 0
ALBEMARLE CORP COM 012653101 498 2,250 SH   SOLE   2,250 0 0
ALLIANT ENERGY CORP COM 018802108 447 7,152 SH   SOLE   7,152 0 0
ALPHABET INC CLASS A COM 02079K305 926 333 SH   SOLE   294 0 39
ALPHABET INC CLASS C COM 02079K107 16,688 5,975 SH   SOLE   4,634 0 1,341
AMAZON COM INC COM 023135106 11,302 3,467 SH   SOLE   2,585 0 882
AMERICAN ELECTICAL POWER COMPANY INC COM 025537101 502 5,029 SH   SOLE   5,029 0 0
AMERICAN EXPRESS CORP COM 025816109 3,201 17,119 SH   SOLE   14,489 0 2,630
AMERN TOWER CORP CLASS A COM 03027X100 5,268 20,970 SH   SOLE   15,324 0 5,646
AMGEN INC COM COM 031162100 594 2,455 SH   SOLE   1,755 0 700
ANNALY CAPITAL MANAGEMENT COM 035710409 156 22,200 SH   SOLE   22,200 0 0
APOLLO INVESTMENT GROUP COM 03761U502 165 12,500 SH   SOLE   12,500 0 0
APPLE, INC. COM 037833100 25,267 144,704 SH   SOLE   105,514 0 39,190
AT & T INC COM 00206R102 1,532 64,843 SH   SOLE   44,843 0 20,000
ATHERSYS INC COM 04744L106 14 22,500 SH   SOLE   2,500 0 20,000
ATRION CORP COM 049904105 356 500 SH   SOLE   0 0 500
AUTO DATA PROCESSING COM 053015103 3,796 16,681 SH   SOLE   10,317 0 6,364
AUTOZONE INC COM 053332102 2,593 1,268 SH   SOLE   1,105 0 163
BALCHEM CORP COM 057665200 500 3,658 SH   SOLE   3,015 0 643
BALL CORP COM 058498106 315 3,500 SH   SOLE   0 0 3,500
BANKAMERICA CORP COM 060505104 8,868 215,130 SH   SOLE   182,225 0 32,905
THE BANK OF NY MELLON CORP COM 064058100 1,030 20,745 SH   SOLE   19,010 0 1,735
BERKSHIRE BANCORP INC DEL COM COM 084597202 124 10,816 SH   SOLE   10,816 0 0
BLACKSTONE GROUP LP COM 09260D107 456 3,596 SH   SOLE   1,423 0 2,173
BLACKROCK MORTGAGE TRUST INC COM 09257W100 221 6,950 SH   SOLE   6,950 0 0
BOEING CO COM 097023105 1,510 7,885 SH   SOLE   5,847 0 2,038
BP PLC ADR COM 055622104 299 10,182 SH   SOLE   9,807 0 375
BRISTOL-MYERS SQUIBB CO COM 110122108 1,625 22,253 SH   SOLE   19,666 0 2,587
BROADCOM LTD COM Y09827109 7,259 11,528 SH   SOLE   7,273 0 4,255
CARDINAL HEALTH INC COM 14149Y108 360 6,351 SH   SOLE   6,351 0 0
CARMAX INC COM 143130102 839 8,697 SH   SOLE   6,633 0 2,064
CATERPILLAR INC COM 149123101 881 3,956 SH   SOLE   2,706 0 1,250
CHARLES SCHWAB CORP COM 808513105 284 3,369 SH   SOLE   3,369 0 0
CHART INDUSTRIES INC COM 16115Q308 796 4,632 SH   SOLE   4,597 0 35
CHEVRON CORP COM 166764100 3,767 23,136 SH   SOLE   16,874 0 6,262
CHIPOTLE MEXICAN GRILL INC. COM COM 169656105 2,183 1,380 SH   SOLE   1,197 0 183
CHUBB LIMITED COM H1467J104 830 3,881 SH   SOLE   3,632 0 249
CIENA CORP COM 171779309 3,802 62,710 SH   SOLE   58,621 0 4,089
CIGNA CORP COM 125523100 446 1,860 SH   SOLE   1,490 0 370
CISCO SYSTEMS INC COM 17275R102 4,779 85,706 SH   SOLE   77,081 0 8,625
CITRIX SYSTEMS INC COM 177376100 726 7,200 SH   SOLE   7,200 0 0
CMS ENERGY CORP COM 125896100 490 7,013 SH   SOLE   6,758 0 255
COCA COLA COMPANY COM 191216100 445 7,178 SH   SOLE   3,378 0 3,800
COMCAST CORP NEW CL A COM 20030N101 3,774 80,604 SH   SOLE   58,584 0 22,020
COMMERCIAL METALS CO COM 201723103 641 15,410 SH   SOLE   15,410 0 0
SPDR SECTOR COMMUNICATION SERVICES ETF COM 81369Y852 4,428 64,372 SH   SOLE   680 0 63,692
CONOCOPHILLIPS COM 20825C104 3,083 30,834 SH   SOLE   21,259 0 9,575
CONSOLIDATED EDISON INC COM 209115104 239 2,521 SH   SOLE   2,521 0 0
SPDR SECTOR CONSUMER DISCRETIONARY ETF COM 81369Y407 5,090 27,513 SH   SOLE   355 0 27,158
SPDR SECTOR CONSUMER STAPLES ETF COM 81369Y308 2,964 39,057 SH   SOLE   355 0 38,702
CORNING INC COM 219350105 884 23,962 SH   SOLE   19,437 0 4,525
COSTCO WHSL CORP NEW COM 22160K105 2,807 4,875 SH   SOLE   3,765 0 1,110
COTERRA ENERGY INC COM 127097103 1,989 73,735 SH   SOLE   61,185 0 12,550
CSW INDUSTRIALS INC COM 126402106 378 3,212 SH   SOLE   3,212 0 0
C S X CORP COM 126408103 7,429 198,378 SH   SOLE   166,215 0 32,163
CVS HEALTH CORP COM 126650100 1,958 19,345 SH   SOLE   17,146 0 2,199
D T E ENERGY COMPANY COM 233331107 487 3,683 SH   SOLE   3,683 0 0
DANAHER CORP COM 235851102 9,625 32,814 SH   SOLE   26,476 0 6,338
DEVON ENERGY CORP COM 25179M103 1,290 21,813 SH   SOLE   21,223 0 590
DOLLAR GENERAL CORPORATION COM 256677105 5,237 23,523 SH   SOLE   17,854 0 5,669
DOW INC COM 260557103 301 4,722 SH   SOLE   4,681 0 41
DUKE ENERGY CORPORATION COM 26441C204 5,656 50,655 SH   SOLE   36,862 0 13,793
EAGLE POINT CREDIT CO LLC COM 269808101 138 10,500 SH   SOLE   10,500 0 0
ELI LILLY & COMPANY COM 532457108 16,014 55,920 SH   SOLE   17,042 0 38,878
EMERSON ELECTRIC CO COM 291011104 1,706 17,397 SH   SOLE   15,943 0 1,454
ENBRIDGE INC COM 29250N105 2,776 60,245 SH   SOLE   51,773 0 8,472
SPDR SECTOR ENERGY ETF COM 81369Y506 3,078 40,265 SH   SOLE   380 0 39,885
EOG RESOURCES INC COM 26875P101 217 1,822 SH   SOLE   0 0 1,822
EXXON MOBIL CORPORATION COM 30231G102 7,200 87,172 SH   SOLE   66,456 0 20,716
FEDEX CORPORATION COM 31428X106 4,269 18,448 SH   SOLE   15,015 0 3,433
SPDR SECTOR FINANCIAL ETF COM 81369Y605 6,046 157,779 SH   SOLE   1,295 0 156,484
FLUOR CORPORATION COM 343412102 1,093 38,084 SH   SOLE   37,294 0 790
FORD MOTOR COMPANY COM 345370860 216 12,772 SH   SOLE   7,100 0 5,672
G6 MATERIALS CORPORATION COM 361333107 1 16,900 SH   SOLE   16,900 0 0
GENERAL ELECTRIC COMPANY COM 370000000 396 4,326 SH   SOLE   1,086 0 3,240
GOLDMAN SACHS GROUP INC COM 38141G104 948 2,872 SH   SOLE   2,822 0 50
HALLIBURTON CO COM 406216101 331 8,730 SH   SOLE   6,730 0 2,000
SPDR SECTOR HEALTH CARE ETF COM 81369Y209 7,270 53,068 SH   SOLE   445 0 52,623
HONEYWELL INTERNATIONAL COM 438516106 4,448 22,860 SH   SOLE   17,230 0 5,630
ILLINOIS TOOL WORKS INC COM 452308109 672 3,210 SH   SOLE   1,330 0 1,880
ILLUMINA INC COM 452327109 5,644 16,153 SH   SOLE   12,069 0 4,084
SPDR SECTOR INDUSTRIAL ETF COM 81369Y704 4,455 43,257 SH   SOLE   320 0 42,937
INTEL CORP COM 458000000 2,847 57,436 SH   SOLE   49,520 0 7,916
INTL BUSINESS MACHINES COM 459200101 1,637 12,590 SH   SOLE   8,115 0 4,475
INTL FLAVOR & FRAGRANCES COM 459506101 557 4,244 SH   SOLE   4,244 0 0
INTUITIVE SURGICAL INC NEW COM 46120E602 24,080 79,820 SH   SOLE   2,050 0 77,770
INVESCO EX TR FD TR II CEF INCOME COM COM 46138E404 227 10,304 SH   SOLE   10,304 0 0
INVESCO QQQ TR UNIT SER 1 COM 00461E107 1,688 4,657 SH   SOLE   699 0 3,958
IRON MOUNTAIN INC COM 46284V101 355 6,400 SH   SOLE   6,400 0 0
ISHARES 1-3 YEAR TREASURY BOND COM 464287457 32,638 391,577 SH   SOLE   2,000 0 389,577
ISHARES 1-5 YEAR INVESTMENT GRAND CORP BOND COM 464288646 22,348 432,097 SH   SOLE   0 0 432,097
ISHARES 3-7 YEAR TREASURY BOND COM 464288661 18,199 149,115 SH   SOLE   400 0 148,715
ISHARES TR CORE S&P SMALL-CAP ETF COM 464287804 790 7,324 SH   SOLE   518 0 6,806
ISHARES FLOATING RATE BOND COM 46429B655 5,497 108,801 SH   SOLE   0 0 108,801
ISHARES TR MSCI EAFE ETF COM 464287465 671 9,115 SH   SOLE   5,135 0 3,980
ISHARES TR MSCI EMERGING MKTS INDEX FD COM 464287234 266 5,901 SH   SOLE   4,023 0 1,878
ISHARES NEW YORK MUNI BOND COM 464000000 960 17,600 SH   SOLE   17,600 0 0
ISHARES NORTH AMERICAN TECH COM 464287549 315 810 SH   SOLE   0 0 810
ISHARES TR S&P US PFD STK INDE COM 464000000 18,546 509,231 SH   SOLE   414,251 0 94,980
ISHARES TR S&P 500 GROWTH COM 464287309 285 3,736 SH   SOLE   0 0 3,736
ISHARES CORE S&P 500 COM 464287200 423 933 SH   SOLE   158 0 775
ISHARES US TECHNOLOGY ETF COM 464287721 511 4,960 SH   SOLE   200 0 4,760
JEFFERSONVILLE BANCORP COM 47559A103 717 31,094 SH   SOLE   31,094 0 0
JOHNSON & JOHNSON COM 478160104 4,451 25,112 SH   SOLE   21,140 0 3,972
JP MORGAN CHASE & CO COM 46625H100 10,773 79,027 SH   SOLE   58,631 0 20,396
K L A TENCOR CORP COM 482480100 1,192 3,256 SH   SOLE   2,795 0 461
L3HARRIS TECHNOLOGIES INC COM 502431109 531 2,137 SH   SOLE   1,847 0 290
LAM RESEARCH CORPORATION COM 512807108 240 446 SH   SOLE   0 0 446
LENNAR CORP COM 526057104 984 12,122 SH   SOLE   10,582 0 1,540
LIFE STORAGE INC COM 53223X107 450 3,202 SH   SOLE   600 0 2,602
LINCOLN ELEC HLDGS INC COM 533900106 2,078 15,082 SH   SOLE   12,699 0 2,383
LOCKHEED MARTIN CORP COM 539830109 1,469 3,327 SH   SOLE   1,844 0 1,483
LOWES COMPANIES INC COM 548661107 402 1,990 SH   SOLE   1,630 0 360
LUMEN TECHNOLOGIES COM 156700106 169 15,000 SH   SOLE   15,000 0 0
M & T BANK CORP COM 55261F104 659 3,885 SH   SOLE   3,535 0 350
MAGNA INTERNATIONAL INC COM 559222401 677 10,525 SH   SOLE   9,735 0 790
MARSH & MCLENNAN CO INC COM 571748102 7,600 44,593 SH   SOLE   35,059 0 9,534
MCDONALDS CORP COM 580135101 2,568 10,384 SH   SOLE   7,660 0 2,724
MEDTRONIC PLC COM G5960L103 14,266 128,579 SH   SOLE   18,349 0 110,230
MERCK & CO INC COM 58933Y105 2,851 34,743 SH   SOLE   25,365 0 9,378
META PLATFORMS INC COM 30303M102 7,768 34,934 SH   SOLE   26,920 0 8,014
METLIFE INC COM 59156R108 381 5,426 SH   SOLE   5,276 0 150
MICROSOFT CORP COM 594918104 33,546 108,805 SH   SOLE   87,498 0 21,307
MODELEZ INTERANTIONAL INC COM 609207105 2,332 37,152 SH   SOLE   30,968 0 6,184
MORGAN STANLEY COM 617446448 4,571 52,300 SH   SOLE   40,596 0 11,704
NEW RESIDENTIAL INVT CORP COM 64828T201 152 13,800 SH   SOLE   13,800 0 0
NEXTERA ENERGY INC. COM 302571104 1,270 14,993 SH   SOLE   9,209 0 5,784
NIKE INC CLASS B COM 654106103 3,914 29,086 SH   SOLE   18,824 0 10,262
NORFOLK SOUTHERN CORP COM 655844108 677 2,373 SH   SOLE   2,328 0 45
NORTHROP GRUMMAN CORP COM 666807102 1,234 2,760 SH   SOLE   2,435 0 325
NUVEEN AMT FREE MUNICIPAL CREDIT INCOME FD COM 67071L106 1,475 9,924 SH   SOLE   9,724 0 200
NUVEEN AMT FREE MUN CREDIT INC COM 67071L106 155 10,500 SH   SOLE   10,500 0 0
NUVEEN AMT FREE MUN INCOME FD COM 670657105 289 22,000 SH   SOLE   22,000 0 0
NUVEEN MUN HIGH INCOME OPP FD COM 670682103 150 11,500 SH   SOLE   11,500 0 0
NUVEEN MUNICIPAL CR INCOME FD COM 67070X101 153 10,500 SH   SOLE   10,500 0 0
NUVEEN MUNICIPAL VALUE FUND INC COM 670928100 1,579 164,861 SH   SOLE   161,161 0 3,700
NVIDIA CORP COM 67066G104 16,079 58,928 SH   SOLE   48,336 0 10,592
OGE ENERGY CORP COM 670837103 457 11,204 SH   SOLE   11,204 0 0
ORACLE CORPORATION COM 68389X105 2,747 33,202 SH   SOLE   32,552 0 650
ORANGE CNTY BANCORP INC COM 68417L107 25,266 631,487 SH   SOLE   0 0 631,487
OSHKOSH CORP COM 688239201 1,317 13,084 SH   SOLE   9,430 0 3,654
PEPSICO INCORPORATED COM 713448108 8,246 49,266 SH   SOLE   36,776 0 12,490
PERKINELMER INC COM 714046109 3,883 22,255 SH   SOLE   17,333 0 4,922
PFIZER INCORPORATED COM 717081103 7,252 140,080 SH   SOLE   119,823 0 20,257
PHILLIPS 66 COM 718546104 757 8,760 SH   SOLE   5,984 0 2,776
PIMCO ETF ENHANCED SHORT FD COM 72201R833 3,841 38,344 SH   SOLE   0 0 38,344
PINNACLE WEST CAPITAL COM 723484101 463 5,932 SH   SOLE   5,932 0 0
PLATINUM GROUP METALS LTD COM 72765Q882 28 13,150 SH   SOLE   0 0 13,150
PNC FINANCIAL SERVICES COM 693475105 475 2,573 SH   SOLE   2,573 0 0
PPL CORPORATION COM 69351T106 510 17,870 SH   SOLE   16,970 0 900
PROCTER & GAMBLE CO COM 742718109 2,674 17,499 SH   SOLE   12,336 0 5,163
PROLOGICS INC. COM 74340W103 4,848 30,024 SH   SOLE   24,856 0 5,168
PUBLIC SERVICE ENTERPRISE GROUP INC COM 744573106 474 6,770 SH   SOLE   6,770 0 0
QUALCOMM INC COM 747525103 727 4,756 SH   SOLE   3,315 0 1,441
RAYTHEON COMPANY NEW COM 755111507 1,361 13,733 SH   SOLE   4,637 0 9,096
RESMED INC COM 761152107 2,668 11,000 SH   SOLE   0 0 11,000
ROLLS-ROYCE HOLDINGS PLC COM G7630U109 22 16,797 SH   SOLE   16,797 0 0
ROYAL CARIBBEAN CRUISES LTD COM V7780T103 999 11,919 SH   SOLE   9,224 0 2,695
SALESFORCE COM COM 79466L302 6,926 32,619 SH   SOLE   24,895 0 7,724
SALTBAE CAPITAL CORP COM 79575K104 0 15,000 SH   SOLE   15,000 0 0
SCHLUMBERGER LTD COM 806857108 1,182 28,604 SH   SOLE   28,229 0 375
SHELL PLC ADR COM 780259305 317 5,780 SH   SOLE   5,780 0 0
SHERWIN WILLIAMS CO COM 824348106 5,314 21,290 SH   SOLE   15,292 0 5,998
SIMON PROPERTY GROUP INC COM 828806109 1,526 11,599 SH   SOLE   11,499 0 100
SONOS INC COM 83570H108 289 10,250 SH   SOLE   10,250 0 0
SOUTHWEST AIRLINES CO COM 844741108 1,128 24,625 SH   SOLE   21,914 0 2,711
SPDR S&P 500 ETF TR COM 78462F103 16,367 36,239 SH   SOLE   542 0 35,697
SPDR S&P MIDCAP 400 ETF TR COM 78467Y107 5,410 11,030 SH   SOLE   720 0 10,310
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF COM 78463X889 309 9,007 SH   SOLE   2,433 0 6,574
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463X509 382 9,878 SH   SOLE   2,235 0 7,643
SPDR SER TR BLOOMBERG BARCLAYS INTER TERM CORP BD ETF COM 78464A375 903 26,455 SH   SOLE   6,388 0 20,067
SPDR PORTFOLIO S&P 400 MID CAP ETF COM 78464A847 401 8,512 SH   SOLE   3,425 0 5,087
SPDR PORTFILIO S&P 500 GROWTH COM 78464A409 543 8,194 SH   SOLE   270 0 7,924
SPDR PORTFILIO S&P 500 VALUE COM 78464A508 394 9,433 SH   SOLE   581 0 8,852
SPDR PORTFOLIO S&P 600 SMALL CAP ETF COM 78468R853 792 18,824 SH   SOLE   4,946 0 13,878
SPDR PORTFOLIO SHORT TERM CORPORATE BD ETF COM 78464A474 5,882 195,227 SH   SOLE   21,632 0 173,595
SPDR S&P 600 SMALL CAP ETF COM 78464A813 3,604 38,501 SH   SOLE   0 0 38,501
STARBUCKS CORP COM 855244109 3,333 36,638 SH   SOLE   28,740 0 7,898
SUNOCO LP COM COM 86765K109 490 12,000 SH   SOLE   12,000 0 0
SYSCO CORPORATION COM 871829107 1,838 22,513 SH   SOLE   20,213 0 2,300
T. ROWE PRICE GROUP INC COM 74144T108 450 2,975 SH   SOLE   2,975 0 0
SPDR SECTOR TECHNOLOGY ETF COM 81369Y803 11,782 74,135 SH   SOLE   690 0 73,445
AES CORP COM 00130H105 2,342 91,009 SH   SOLE   83,325 0 7,684
ESTEE LAUDER COMPANIES INC CL A COM 518439104 4,541 16,675 SH   SOLE   11,548 0 5,127
THE HERSHEY CO COM 427866108 252 1,164 SH   SOLE   419 0 745
THE HOME DEPOT INC COM 437076102 14,885 49,728 SH   SOLE   40,246 0 9,482
THE KRAFT HEINZ CO COM 500754106 346 8,776 SH   SOLE   7,901 0 875
THERMO FISHER SCIENTIFIC INC. COM 883556102 15,441 26,142 SH   SOLE   20,731 0 5,411
TORONTO DOMINION BK COM 891160509 316 3,981 SH   SOLE   1,756 0 2,225
TRUIST FINANCIAL CORP COM 89832Q109 720 12,695 SH   SOLE   11,552 0 1,143
TWO HARBORS INVESTMENT CORP COM 90187B408 85 15,350 SH   SOLE   15,350 0 0
UNION PACIFIC CORP COM 907818108 207 758 SH   SOLE   200 0 558
UNTIED PARCEL SERVICE INC COM 911312106 209 975 SH   SOLE   875 0 100
UNITED RENTALS INC COM 911363109 1,348 3,796 SH   SOLE   3,719 0 77
UNITED HEALTHCARE CORP COM 91324P102 10,975 21,520 SH   SOLE   16,020 0 5,500
UNITI CORP COM 91325V108 205 14,900 SH   SOLE   0 0 14,900
UNITIL CORP COM 913259107 460 9,225 SH   SOLE   9,225 0 0
SPDR SELECT SECTOR UTILITIES COM 81369Y886 1,660 22,293 SH   SOLE   1,645 0 20,648
VALERO ENERGY CORP COM 91913Y100 579 5,705 SH   SOLE   2,555 0 3,150
VERIZON COMMUNICATIONS COM 92343V104 6,022 118,208 SH   SOLE   96,583 0 21,625
VISA INC COM 92826C839 5,940 26,785 SH   SOLE   18,363 0 8,422
WALGREEN BOOTS ALLIANCE INC COM 931427108 304 6,797 SH   SOLE   6,797 0 0
WAL-MART STORES INC COM 931142103 3,332 22,376 SH   SOLE   14,812 0 7,564
DISNEY WALT CO COM 254687106 6,053 44,132 SH   SOLE   33,858 0 10,274
WEBSTER FINL CORP COM 947890109 4,029 71,798 SH   SOLE   71,798 0 0
WEYERHAEUSER CO COM 962166104 1,185 31,262 SH   SOLE   30,632 0 630
WILLIAMS COMPANIES COM 969457100 469 14,052 SH   SOLE   13,722 0 330
XCEL ENERGY INC COM 98389B100 436 6,046 SH   SOLE   6,046 0 0