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
21st Cent Fox COMMON 35137L105   5 99 SH   SOLE   99 0 0
3M Company COMMON 88579Y101   157 1,215 SH   SOLE   1,215 0 0
A F L A C Inc. COMMON 001055102   111 1,071 SH   SOLE   1,071 0 0
Abbott Laboratories COMMON 002824100   1,456 12,876 SH   SOLE   12,776 0 100
AbbVie Inc. COMMON 00287Y109   1,574 8,855 SH   SOLE   8,855 0 0
Aberdeen Physical Swiss Gold ETF ETF 00326A104   10 400 SH   SOLE   400 0 0
Accenture Ltd Cl A COMMON G1151C101   107 304 SH   SOLE   229 0 75
Adobe Systems Inc. COMMON 00724F101   141 317 SH   SOLE   317 0 0
Advanced Micro Devices COMMON 007903107   85 702 SH   SOLE   702 0 0
Aecom COMMON 00766T100   16 149 SH   SOLE   149 0 0
Agilent Technologies COMMON 00846U101   35 263 SH   SOLE   263 0 0
Air Products & Chemicals Inc. COMMON 009158106   1,138 3,924 SH   SOLE   3,907 0 17
Allegion Public Ltd Co COMMON G0176J109   26 200 SH   SOLE   200 0 0
Alliant Energy Corp COMMON 018802108   608 10,273 SH   SOLE   8,991 0 1,282
Allstate COMMON 020002101   397 2,060 SH   SOLE   2,060 0 0
Alphabet, Inc Cl C COMMON 02079K107   5,461 28,673 SH   SOLE   27,573 0 1,100
Alphabet, Inc. Cl A COMMON 02079K305   6,919 36,551 SH   SOLE   34,369 0 2,182
Amazon.Com COMMON 023135106   6,935 31,610 SH   SOLE   30,041 0 1,569
Amentum Holdings, Inc. COMMON 023939101   6 303 SH   SOLE   303 0 0
America Movil L ADR COMMON 02390A101   52 3,600 SH   SOLE   3,600 0 0
American Express Company COMMON 025816109   898 3,026 SH   SOLE   3,026 0 0
American Water Works Co COMMON 030420103   25 200 SH   SOLE   200 0 0
Ameriprise Financial Inc. COMMON 03076C106   231 433 SH   SOLE   433 0 0
Amgen Incorporated COMMON 031162100   396 1,520 SH   SOLE   1,320 0 200
Amkor Technology Inc COMMON 031652100   734 28,575 SH   SOLE   28,575 0 0
Amphenol Corp Cl A COMMON 032095101   32 460 SH   SOLE   460 0 0
Analog Devices Inc. COMMON 032654105   9 44 SH   SOLE   44 0 0
Anthem Inc COMMON 036752103   65 176 SH   SOLE   176 0 0
Apple Inc. COMMON 037833100   10,192 40,700 SH   SOLE   39,209 0 1,491
Applied Materials COMMON 038222105   149 916 SH   SOLE   916 0 0
AptarGroup, Inc COMMON 038336103   2,621 16,683 SH   SOLE   15,636 0 1,047
Archer-Daniels-Midland Inc. COMMON 039483102   101 2,006 SH   SOLE   0 0 2,006
Asml Hldgs Nv COMMON N07059210   156 225 SH   SOLE   225 0 0
ASP Isotopes Inc. COMMON 00218A105   27 6,000 SH   SOLE   6,000 0 0
Astec Industries COMMON 046224101   77 2,278 SH   SOLE   1,678 0 600
AstraZeneca plc ADR ADR 046353108   949 14,491 SH   SOLE   14,361 0 130
AT&T Inc. COMMON 00206R102   287 12,593 SH   SOLE   12,067 0 526
Atmos Energy Corp COMMON 049560105   21 150 SH   SOLE   150 0 0
Auto Data Processing COMMON 053015103   642 2,192 SH   SOLE   2,192 0 0
Avantor, Inc. COMMON 05352A100   1 27 SH   SOLE   27 0 0
Avery Dennison COMMON 053611109   50 268 SH   SOLE   268 0 0
Bank of America Corp COMMON 060505104   102 2,313 SH   SOLE   2,313 0 0
Bank of New York Mellon COMMON 064058100   123 1,602 SH   SOLE   1,602 0 0
Baxter International COMMON 071813109   40 1,373 SH   SOLE   1,373 0 0
Becton Dickinson & Co COMMON 075887109   665 2,933 SH   SOLE   2,908 0 25
Biogen Idec Inc COMMON 09062X103   80 525 SH   SOLE   525 0 0
Blackrock Inc COMMON 09247X101   374 365 SH   SOLE   365 0 0
BlackRock U.S. Carbon Transition Readiness ETF ETF 09290C509   17 266 SH   SOLE   266 0 0
BlackRock World ex U.S. Carbon Transition Readiness ETF ETF 09290C608   3 77 SH   SOLE   77 0 0
Blkrck Muniyield Qlty Fd COMMON 09254F100   15 1,300 SH   SOLE   1,300 0 0
Boeing Co. COMMON 097023105   3,020 17,061 SH   SOLE   15,821 0 1,240
Booking Holdings Inc COMMON 09857L108   25 5 SH   SOLE   5 0 0
Boston Scientific COMMON 101137107   7 75 SH   SOLE   75 0 0
Bristol Myers COMMON 110122108   1,096 19,374 SH   SOLE   18,100 0 1,274
Broadcom Ltd COMMON 11135F101   83 360 SH   SOLE   360 0 0
Broadridge Finl Solution COMMON 11133T103   260 1,150 SH   SOLE   1,150 0 0
Brookfield Asset Management COMMON 113004105   70 1,298 SH   SOLE   1,298 0 0
Brookfield Corp COMMON 11271J107   399 6,951 SH   SOLE   6,951 0 0
Brookfield Renewable Corp Ordinary Shares - Class COMMON 11284V105   541 19,547 SH   SOLE   19,213 0 334
Canadian Imperial Bk Comm F COMMON 136069101   21 333 SH   SOLE   333 0 0
Canadian Natl Ry Co COMMON 136375102   15 150 SH   SOLE   150 0 0
Canadian Pacific COMMON 13646K108   108 1,498 SH   SOLE   1,498 0 0
Capital One Financial COMMON 14040H105   157 882 SH   SOLE   882 0 0
Carrier Global Corp-Wi COMMON 14448C104   176 2,572 SH   SOLE   1,625 0 947
Caterpillar COMMON 149123101   3,039 8,377 SH   SOLE   7,734 0 643
CBRE Group Inc COMMON 12504L109   487 3,708 SH   SOLE   3,708 0 0
Cencora, Inc COMMON 03073E105   24 106 SH   SOLE   83 0 23
Charter Communications Inc COMMON 16119P108   63 184 SH   SOLE   184 0 0
Chemed Corp. COMMON 16359R103   1,619 3,056 SH   SOLE   3,056 0 0
Chemours Co LLC COMMON 163851108   3 185 SH   SOLE   185 0 0
Cheniere Energy Inc New COMMON 16411R208   26 120 SH   SOLE   120 0 0
Chevron Corp. COMMON 166764100   809 5,586 SH   SOLE   5,527 0 59
China Automotive Systems Inc COMMON 16936R105   46 11,100 SH   SOLE   11,100 0 0
Chubb Limited COMMON H1467J104   3,747 13,562 SH   SOLE   12,942 0 620
Cigna Corp COMMON 125523100   231 838 SH   SOLE   838 0 0
Cincinnati Financial Corp COMMON 172062101   56 390 SH   SOLE   390 0 0
Cisco Systems, Inc. COMMON 17275R102   3,281 55,427 SH   SOLE   51,897 0 3,530
Citigroup COMMON 172967424   161 2,281 SH   SOLE   2,281 0 0
Clorox Company COMMON 189054109   16 100 SH   SOLE   100 0 0
CME Group Inc. COMMON 12572Q105   445 1,916 SH   SOLE   1,916 0 0
Coca-Cola Co COMMON 191216100   2,709 43,514 SH   SOLE   40,384 0 3,130
Colgate-Palmolive COMMON 194162103   602 6,619 SH   SOLE   6,619 0 0
Comcast Corp. COMMON 20030N101   304 8,098 SH   SOLE   8,098 0 0
Comerica Incorporated COMMON 200340107   124 2,000 SH   SOLE   2,000 0 0
Community Bank System COMMON 203607106   549 8,895 SH   SOLE   4,587 0 4,308
Conoco Phillips COMMON 20825C104   787 7,937 SH   SOLE   6,538 0 1,399
Consolidated Edison Inc. COMMON 209115104   88 985 SH   SOLE   985 0 0
Constellation Brand Cl Aclass A COMMON 21036P108   26 119 SH   SOLE   119 0 0
Constellation Energy Co. COMMON 21037T109   36 163 SH   SOLE   163 0 0
Corning COMMON 219350105   6,887 144,934 SH   SOLE   138,917 0 6,017
Corteva Inc com COMMON 22052L104   51 896 SH   SOLE   896 0 0
Costco COMMON 22160K105   10,147 11,074 SH   SOLE   10,051 0 1,023
CSX Corp COMMON 126408103   237 7,349 SH   SOLE   7,349 0 0
Danaher Corp COMMON 235851102   63 275 SH   SOLE   275 0 0
Deere & Company COMMON 244199105   1,127 2,659 SH   SOLE   2,659 0 0
Dell Inc. COMMON 24703L202   1 11 SH   SOLE   11 0 0
Devon Energy Corp COMMON 25179M103   34 1,051 SH   SOLE   1,051 0 0
Digital Realty Trust REIT REIT 253868103   234 1,320 SH   SOLE   1,320 0 0
Dominion Energy COMMON 25746U109   18 327 SH   SOLE   327 0 0
Dover Corporation COMMON 260003108   78 417 SH   SOLE   417 0 0
Dow In COMMON 260557103   89 2,227 SH   SOLE   2,227 0 0
Dr Reddys Labs ADR ADR 256135203   366 23,170 SH   SOLE   18,245 0 4,925
Duke Energy Corporation COMMON 26441C204   1,597 14,826 SH   SOLE   14,359 0 467
E Bay Inc. COMMON 278642103   29 475 SH   SOLE   275 0 200
E I DuPont COMMON 26614N102   424 5,556 SH   SOLE   5,556 0 0
East West Bancorp COMMON 27579R104   688 7,189 SH   SOLE   7,189 0 0
Eaton Corp. COMMON G29183103   709 2,138 SH   SOLE   2,138 0 0
Ecolab Inc. COMMON 278865100   64 272 SH   SOLE   222 0 50
Edison International COMMON 281020107   69 865 SH   SOLE   865 0 0
Electronic Arts Inc COMMON 285512109   12 80 SH   SOLE   80 0 0
Element Fleet Management Corp COMMON 286181201   76 3,770 SH   SOLE   1,020 0 2,750
Eli Lilly & Co. COMMON 532457108   2,518 3,262 SH   SOLE   3,262 0 0
Emerson Electric Co. COMMON 291011104   1,491 12,027 SH   SOLE   11,444 0 583
EMQQ Emerging Markets Intrnt & Ecmrc ETF ETF 301505889   70 2,022 SH   SOLE   1,967 0 55
Energy Transfer Equity LP COMMON 29273V100   38 1,952 SH   SOLE   1,952 0 0
Enterprise Products Prtn LP COMMON 293792107   166 5,307 SH   SOLE   5,307 0 0
Equifax Inc COMMON 294429105   101 397 SH   SOLE   397 0 0
Equinix Inc New COMMON 29444U700   4 4 SH   SOLE   4 0 0
Equity Residential Prop. REIT REIT 29476L107   217 3,027 SH   SOLE   1,430 0 1,597
Essential utilities ord COMMON 29670G102   114 3,142 SH   SOLE   3,142 0 0
Etho Climate Leader US ETF ETF 032108557   8 130 SH   SOLE   130 0 0
Eversource Energy COMMON 30040W108   19 328 SH   SOLE   328 0 0
Expeditors Int'l of Washington COMMON 302130109   27 242 SH   SOLE   242 0 0
Exxon Mobil Corporation COMMON 30231G102   2,658 24,712 SH   SOLE   22,682 0 2,030
Facebook Inc Class A COMMON 30303M102   207 354 SH   SOLE   354 0 0
Fedex Corporation COMMON 31428X106   1,077 3,830 SH   SOLE   3,830 0 0
Ferrari N V COMMON N3167Y103   26 62 SH   SOLE   62 0 0
Fidelity MSCI Health Care Index ETF ETF 316092600   46 711 SH   SOLE   0 0 711
Fidelity MSCI Utilities Index ETF ETF 316092865   30 613 SH   SOLE   0 0 613
First Horizon Natl Corp COMMON 320517105   10 500 SH   SOLE   500 0 0
First Solar Inc COMMON 336433107   1,858 10,540 SH   SOLE   8,973 0 1,567
First Trust Cloud Computing ETF ETF 33734X192   126 1,059 SH   SOLE   1,059 0 0
First Trust India NIFTY ETF ETF 33737J802   18 323 SH   SOLE   323 0 0
First Trust NASDAQ Cybersecurity ETF ETF 33734X846   108 1,710 SH   SOLE   1,710 0 0
First Trust RBA Amer Indl RenaisTM ETF ETF 33738R704   19 250 SH   SOLE   250 0 0
Fiserv, Inc. COMMON 337738108   29 140 SH   SOLE   140 0 0
Fortinet Inc COMMON 34959E109   267 2,825 SH   SOLE   2,825 0 0
Fortive Corporation COMMON 34959J108   0 3 SH   SOLE   3 0 0
Gartner Inc COMMON 366651107   145 300 SH   SOLE   300 0 0
GE Healthcare COMMON 36266G107   56 710 SH   SOLE   710 0 0
GE Vernova Inc. COMMON 36828A101   219 666 SH   SOLE   653 0 13
Generac Holdings Inc COMMON 368736104   470 3,034 SH   SOLE   2,998 0 36
General Electric Co. COMMON 369604301   631 3,781 SH   SOLE   3,385 0 396
General Mills, Inc. COMMON 370334104   118 1,851 SH   SOLE   1,851 0 0
Genuine Parts Co COMMON 372460105   38 325 SH   SOLE   325 0 0
Gilat Satellite Networks Ltd COMMON M51474118   28 4,584 SH   SOLE   4,584 0 0
Gilead Sciences Inc COMMON 375558103   23 244 SH   SOLE   244 0 0
Glaxo Smithkline ADR ADR 37733W204   19 576 SH   SOLE   576 0 0
Global X S&P 500 Catholic Values ETF ETF 37954Y889   343 4,843 SH   SOLE   4,843 0 0
Global X US Infrastructure Dev ETF ETF 37954Y673   28 705 SH   SOLE   705 0 0
Goldman Sachs Group Inc ETF 38141G104   287 502 SH   SOLE   502 0 0
Grayscale Bitcoin Mini Trust ETF COMMON 389930108   1 31 SH   SOLE   31 0 0
Guggenheim S&P Global Water Index ETF 46138E263   29 534 SH   SOLE   0 0 534
Halliburton Company COMMON 406216101   31 1,151 SH   SOLE   1,151 0 0
Hannon Armstrong Sus REIT REIT 41068X100   6 220 SH   SOLE   220 0 0
Healthpeak Properties Inc COMMON 42250P103   38 1,883 SH   SOLE   1,883 0 0
Hershey Foods Corp COMMON 427866108   156 918 SH   SOLE   918 0 0
Hess Corporation COMMON 42809H107   52 390 SH   SOLE   390 0 0
Hitachi Ltd COMMON 433578507   15 310 SH   SOLE   310 0 0
Home Depot COMMON 437076102   790 2,031 SH   SOLE   2,031 0 0
Honeywell International COMMON 438516106   3,698 16,372 SH   SOLE   15,599 0 773
Hormel Foods Corp COMMON 440452100   20 640 SH   SOLE   640 0 0
Howmet Aerospace Inc COMMON 443201108   34 309 SH   SOLE   309 0 0
HSBC Holdings PLC ADR ADR 404280406   40 809 SH   SOLE   809 0 0
Humana COMMON 444859102   252 992 SH   SOLE   992 0 0
IBM Corp. COMMON 459200101   5,680 25,840 SH   SOLE   23,268 0 2,572
Idex Corp COMMON 45167R104   6 30 SH   SOLE   30 0 0
Illinois Tool Works COMMON 452308109   261 1,031 SH   SOLE   931 0 100
Imperial Oil Ltd COMMON 453038408   201 3,259 SH   SOLE   3,259 0 0
Ingersoll Rand Inc COMMON 45687V106   41 454 SH   SOLE   454 0 0
Ingredion Incorporated COMMON 457187102   1,505 10,939 SH   SOLE   10,718 0 221
Insulet Corporation COMMON 45784P101   13 50 SH   SOLE   50 0 0
Integer Holdings Corp COMMON 45826H109   885 6,677 SH   SOLE   6,677 0 0
Intel Corp. COMMON 458140100   237 11,802 SH   SOLE   11,082 0 720
Intercontinental Exchange, Inc. COMMON 45866F104   55 367 SH   SOLE   367 0 0
International Flavors & Fragrances Inc COMMON 459506101   1,443 17,065 SH   SOLE   16,175 0 890
Intuit COMMON 461202103   27 43 SH   SOLE   43 0 0
Intuitive Surgical COMMON 46120E602   230 440 SH   SOLE   440 0 0
Invesco Cleantech ETF ETF 46137V407   6 140 SH   SOLE   140 0 0
Invesco Global Water ETF ETF 46138E651   69 1,764 SH   SOLE   1,764 0 0
Invesco Large Cap Growth ETF ETF 46137V746   16 158 SH   SOLE   158 0 0
Invesco Large Cap Value ETF ETF 46137V738   19 326 SH   SOLE   326 0 0
IQVIA Holdings Inc. COMMON 46266C105   1,921 9,775 SH   SOLE   9,158 0 617
Iron Mountain Inc REIT REIT 46284V101   50 475 SH   SOLE   0 0 475
Ishares 20 Yr Treas. Barclays ETF ETF 464287432   31 351 SH   SOLE   351 0 0
iShares 5-10 Yr Corporate Bond ETF ETF 464288638   117 2,281 SH   SOLE   2,281 0 0
iShares Core Dividend Growth ETF ETF 46434V621   426 6,937 SH   SOLE   6,937 0 0
iShares Core International Bond ETF ETF 46435G672   77 1,537 SH   SOLE   1,537 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   26 364 SH   SOLE   0 0 364
iShares Core MSCI ETF ETF 46434G103   327 6,263 SH   SOLE   4,463 0 1,800
iShares DJ Home Construction ETF ETF 464288752   50 485 SH   SOLE   485 0 0
iShares DJ US Financial ETF ETF 464287788   123 1,108 SH   SOLE   1,108 0 0
iShares Dow J. Healthcare ETF ETF 464287762   138 2,370 SH   SOLE   2,370 0 0
iShares ESG 1-5 Year USD Corp Bd ETF ETF 46435G243   3 116 SH   SOLE   116 0 0
iShares ESG Advanced Bond Market ETF ETF 46436E619   101 2,372 SH   SOLE   2,372 0 0
iShares ESG Advanced MSCI EAFE Index ETF ETF 46436E759   48 743 SH   SOLE   743 0 0
iShares ESG Advanced MSCI USA ETF ETF 46436E767   92 1,847 SH   SOLE   1,847 0 0
iShares ESG Aware MSCI EAFE ETF ETF 46435G516   304 3,995 SH   SOLE   3,995 0 0
iShares ESG Aware MSCI USA ETF ETF 46435G425   6 49 SH   SOLE   49 0 0
iShares ESG Screened S&P 500 ETF ETF 46436E569   46 1,016 SH   SOLE   1,016 0 0
iShares ESG Screened S&P Mid-Cap ETF ETF 46436E551   45 1,084 SH   SOLE   1,084 0 0
iShares ESG Screened S&P Small-Cap ETF ETF 46436E544   19 471 SH   SOLE   471 0 0
iShares Expanded Tech-Software Sect ETF ETF 464287515   254 2,540 SH   SOLE   2,540 0 0
iShares Global Clean Energy ETF 464288224   40 3,523 SH   SOLE   3,523 0 0
Ishares Gold ETF ETF 464285204   698 14,099 SH   SOLE   12,533 0 1,566
iShares Lehman Agg Bond Fd ETF ETF 464287226   403 4,156 SH   SOLE   4,156 0 0
iShares MSCI EAFE ETF ETF 464287465   254 3,360 SH   SOLE   3,360 0 0
iShares MSCI EAFE Growth ETF ETF 464288885   104 1,074 SH   SOLE   1,074 0 0
iShares MSCI Emerg Esg ETF ETF 46434G863   5 138 SH   SOLE   138 0 0
iShares MSCI Emerging Market ETF ETF 464287234   19 453 SH   SOLE   0 0 453
iShares MSCI Global Gold Miners ETF ETF 46434G855   36 1,289 SH   SOLE   0 0 1,289
iShares MSCI India ETF ETF 46429B598   7 125 SH   SOLE   125 0 0
iShares MSCI KLD 400 Social ETF ETF 464288570   19 171 SH   SOLE   171 0 0
iShares MSCI Taiwan Index ETF ETF 46434G772   74 1,425 SH   SOLE   0 0 1,425
iShares NASDAQ Biotech ETF ETF 464287556   350 2,646 SH   SOLE   2,646 0 0
iShares Russell 1000 Growth ETF ETF 464287614   91 227 SH   SOLE   227 0 0
iShares Russell 1000 Val ETF ETF 464287598   5,068 27,377 SH   SOLE   27,377 0 0
iShares Russell 2000 Growth ETF ETF 464287648   16 54 SH   SOLE   54 0 0
Ishares Russell 2000 Value ETF ETF 464287630   25 151 SH   SOLE   151 0 0
iShares Russell Midcap Grth ETF ETF 464287481   80 628 SH   SOLE   628 0 0
iShares S&P 500 Index ETF ETF 464287200   636 1,081 SH   SOLE   1,058 0 23
iShares S&P Midcap 400 Index ETF ETF 464287507   272 4,370 SH   SOLE   3,515 0 855
iShares S&P Mid-Cap Grow ETF ETF 464287606   36 396 SH   SOLE   396 0 0
iShares S&P Sm Cap Idx 600 ETF ETF 464287804   388 3,371 SH   SOLE   2,443 0 928
iShares Select Dividend Idx ETF ETF 464287168   148 1,127 SH   SOLE   1,127 0 0
iShares TIPS Bond ETF ETF 464287176   326 3,060 SH   SOLE   2,940 0 120
iShares Tr DJ U S Tech Sector ETF ETF 464287721   143 896 SH   SOLE   896 0 0
iShares U.S. Healthcare Providers ETF ETF 464288828   3 65 SH   SOLE   65 0 0
iShares U.S. Medical Devices ETF ETF 464288810   8 138 SH   SOLE   138 0 0
Jacobs Engineering Group Inc COMMON 46982L108   40 303 SH   SOLE   303 0 0
Johnson & Johnson COMMON 478160104   2,007 13,878 SH   SOLE   13,878 0 0
JP Morgan Chase & Co COMMON 46625H100   4,292 17,906 SH   SOLE   16,224 0 1,682
Kenvue Inc. COMMON 49177J102   59 2,753 SH   SOLE   2,753 0 0
Kilroy Realty Corp REIT REIT 49427F108   3,858 95,375 SH   SOLE   91,109 0 4,266
Kimberly-Clark Corp. COMMON 494368103   292 2,229 SH   SOLE   2,229 0 0
KKR & Co LP COMMON 48251W104   27 180 SH   SOLE   180 0 0
KLA-Tencor Corporation COMMON 482480100   86 137 SH   SOLE   137 0 0
Kon Philips Electric NV COMMON 500472303   59 2,326 SH   SOLE   2,326 0 0
Kraft Heinz Company COMMON 500754106   15 496 SH   SOLE   413 0 83
Kyndryl Holdings, Inc COMMON 50155Q100   6 168 SH   SOLE   0 0 168
L3Harris Technologies Inc COMMON 502431109   1 5 SH   SOLE   5 0 0
Laboratory Corp of America Hlds COMMON 504922105   151 657 SH   SOLE   471 0 186
Linde plc COMMON G54950103   41 98 SH   SOLE   73 0 25
Lockheed Martin COMMON 539830109   66 136 SH   SOLE   136 0 0
Loews Corp COMMON 540424108   111 1,308 SH   SOLE   1,308 0 0
Lowes Companies Inc. COMMON 548661107   286 1,159 SH   SOLE   1,159 0 0
M K S Instruments Inc. COMMON 55306N104   657 6,289 SH   SOLE   6,289 0 0
M&T Bank Corp COMMON 55261F104   853 4,537 SH   SOLE   4,526 0 11
Marathon Petroleum Corp COMMON 56585A102   357 2,559 SH   SOLE   2,559 0 0
Marriott Int'l Inc. Cl A COMMON 571903202   176 631 SH   SOLE   631 0 0
Marsh & McLennan Co's COMMON 571748102   35 163 SH   SOLE   163 0 0
Mastercard Inc COMMON 57636Q104   323 614 SH   SOLE   614 0 0
McDonald's Corp COMMON 580135101   1,065 3,674 SH   SOLE   3,674 0 0
McKesson Corp. COMMON 58155Q103   2,021 3,547 SH   SOLE   3,221 0 326
Medtronic Inc. COMMON G5960L103   3,898 48,804 SH   SOLE   46,102 0 2,702
Merck COMMON 58933Y105   5,347 53,751 SH   SOLE   52,084 0 1,667
Metlife Inc. COMMON 59156R108   24 297 SH   SOLE   297 0 0
Microsoft COMMON 594918104   18,442 43,754 SH   SOLE   41,890 0 1,864
Middlesex Water Co COMMON 596680108   16 300 SH   SOLE   300 0 0
Mondelez Int'l Inc. COMMON 609207105   503 8,421 SH   SOLE   8,254 0 167
Morgan Stanley Dean Witter COMMON 617446448   102 811 SH   SOLE   811 0 0
Motorola Solutions Inc COMMON 620076307   246 533 SH   SOLE   533 0 0
NCR Atleos Corp COMMON 63001N106   164 4,834 SH   SOLE   3,484 0 1,350
NCR Voyix Corporation COMMON 62886E108   80 5,798 SH   SOLE   5,798 0 0
Netflix Inc. COMMON 64110L106   178 200 SH   SOLE   200 0 0
Neuphoria Therapeutics Inc. COMMON 64136E102   0 1 SH   SOLE   1 0 0
Nextera Energy COMMON 65339F101   462 6,451 SH   SOLE   6,351 0 100
Nike, Inc. COMMON 654106103   56 746 SH   SOLE   746 0 0
Nisource Inc. COMMON 65473P105   4,290 116,695 SH   SOLE   107,809 0 8,886
Norfolk Southern COMMON 655844108   368 1,567 SH   SOLE   1,567 0 0
Northrop Grumman Corp COMMON 666807102   50 107 SH   SOLE   107 0 0
NortonLifeLock Inc COMMON 668771108   382 13,944 SH   SOLE   13,944 0 0
Norwegian Cruise Line Holding Ltd COMMON G66721104   2,075 80,627 SH   SOLE   76,291 0 4,336
Novartis Ag ADR ADR 66987V109   61 625 SH   SOLE   625 0 0
Novo-Nordisk ADR ADR 670100205   437 5,076 SH   SOLE   5,076 0 0
Nuveen AMT-Free Municipal Income Fund COMMON 670657105   6 500 SH   SOLE   500 0 0
Nvidia Corp COMMON 67066G104   850 6,331 SH   SOLE   6,331 0 0
Nxp Semiconductors COMMON N6596X109   14 65 SH   SOLE   65 0 0
Omnicom Group Inc COMMON 681919106   8 95 SH   SOLE   95 0 0
Oneok Inc New COMMON 682680103   547 5,452 SH   SOLE   5,452 0 0
Oracle COMMON 68389X105   310 1,858 SH   SOLE   1,858 0 0
OTIS Worldwide Corp-Wi COMMON 68902V107   102 1,097 SH   SOLE   812 0 285
P P G Industries Inc. COMMON 693506107   189 1,583 SH   SOLE   1,583 0 0
Palo Alto Networks COMMON 697435105   170 936 SH   SOLE   936 0 0
Parker Hannifin Corp COMMON 701094104   351 552 SH   SOLE   520 0 32
Paypal Holdings COMMON 70450Y103   41 475 SH   SOLE   275 0 200
Pepsico, Inc. COMMON 713448108   862 5,669 SH   SOLE   5,669 0 0
Pfizer Inc. COMMON 717081103   3,691 139,121 SH   SOLE   129,335 0 9,786
Philip Morris Intl Inc COMMON 718172109   18 150 SH   SOLE   150 0 0
Phillips 66 SHS COMMON 718546104   406 3,560 SH   SOLE   2,921 0 639
PIMCO Intermediate Muni Bond ETF ETF 72201R866   2,571 49,691 SH   SOLE   39,347 0 10,344
PNC Financial Services Group Inc. COMMON 693475105   266 1,377 SH   SOLE   1,377 0 0
Powershares FTSE RAFI ETF ETF 46137V613   137 3,394 SH   SOLE   3,394 0 0
Powershares Global Water Fund ETF ETF 46137V142   8 120 SH   SOLE   120 0 0
PowerShares QQQ Trust Sr 1 ETF ETF 46090E103   9 18 SH   SOLE   18 0 0
Procore Technologies, Inc. COMMON 74275K108   2,160 28,821 SH   SOLE   27,160 0 1,661
Procter & Gamble COMMON 742718109   2,503 14,932 SH   SOLE   14,802 0 130
Progressive Corp COMMON 743315103   221 922 SH   SOLE   922 0 0
Prologis Reit COMMON 74340W103   66 623 SH   SOLE   623 0 0
Prudential Financial Inc. COMMON 744320102   11 90 SH   SOLE   90 0 0
Public Storage, Inc. COMMON 74460D109   102 339 SH   SOLE   339 0 0
Public Sv Enterprise COMMON 744573106   206 2,435 SH   SOLE   2,435 0 0
Qorvo Inc COMMON 74736K101   374 5,350 SH   SOLE   4,449 0 901
Quanta Services Inc COMMON 74762E102   170 539 SH   SOLE   539 0 0
Quest Diagnostic Inc COMMON 74834L100   15 100 SH   SOLE   100 0 0
Reinsurance Group of America Inc COMMON 759351604   7 34 SH   SOLE   34 0 0
Relx Plc American Depositary Shares COMMON 759530108   11 250 SH   SOLE   250 0 0
Republic Services Inc COMMON 760759100   108 537 SH   SOLE   537 0 0
Rockwell Automation COMMON 773903109   185 646 SH   SOLE   646 0 0
Roper Industries Inc COMMON 776696106   3,413 6,565 SH   SOLE   6,204 0 361
Ross Stores Inc COMMON 778296103   12 81 SH   SOLE   81 0 0
RTX Corporation COMMON 75513E101   399 3,446 SH   SOLE   2,691 0 755
Rydex S&P 500 Eq Wgt ETF ETF 46137V357   25 145 SH   SOLE   145 0 0
S & P Global Inc COMMON 78409V104   102 204 SH   SOLE   204 0 0
Salesforce Com COMMON 79466L302   190 568 SH   SOLE   568 0 0
Samsara Inc. COMMON 79589L106   3,295 75,410 SH   SOLE   71,864 0 3,546
Schlumberger Limited COMMON 806857108   2,503 65,281 SH   SOLE   61,138 0 4,143
Schwab Intermediate US Treasury ETF ETF 808524854   83 3,405 SH   SOLE   3,405 0 0
Schwab Int'l Equity ETF ETF 808524805   12,133 655,854 SH   SOLE   652,044 0 3,810
Schwab Large Cap Value Indx ETF ETF 808524409   46 1,767 SH   SOLE   1,767 0 0
Schwab U.S. Broad Market ETF ETF 808524102   133,961 5,901,371 SH   SOLE   5,504,252 0 397,119
Schwab US Div Equity ETF ETF 808524797   53 1,923 SH   SOLE   0 0 1,923
Schwab US Large-Cap ETF ETF 808524201   6 240 SH   SOLE   240 0 0
Schwab US Mid-Cap ETF ETF 808524508   1 54 SH   SOLE   54 0 0
Schwab US Small-Cap ETF ETF 808524607   5 184 SH   SOLE   184 0 0
Seagate Technology PLC COMMON G7997R103   3,832 44,395 SH   SOLE   40,711 0 3,684
Sector Spdr Fincl Select ETF 81369Y605   101 2,088 SH   SOLE   2,088 0 0
Sector SPDR Tech Select Shares ETF 81369Y803   496 2,133 SH   SOLE   2,133 0 0
Sempra Energy COMMON 816851109   355 4,047 SH   SOLE   4,047 0 0
Sensata Technologies Holding PLC COMMON G8060N102   429 15,669 SH   SOLE   15,529 0 140
ServiceNow Inc COMMON 81762P102   453 427 SH   SOLE   427 0 0
Shell plc COMMON 780259305   370 5,906 SH   SOLE   5,645 0 261
Skyworks Solutions Inc. COMMON 83088M102   35 397 SH   SOLE   397 0 0
Snap Inc COMMON 83304A106   2 200 SH   SOLE   200 0 0
Sonoco Products COMMON 835495102   142 2,904 SH   SOLE   1,804 0 1,100
Sony Group Corp COMMON 835699307   1,523 71,960 SH   SOLE   71,960 0 0
Southern Company COMMON 842587107   334 4,061 SH   SOLE   3,204 0 857
SPDR Consumer Disc Select ETF ETF 81369Y407   68 302 SH   SOLE   302 0 0
SPDR Gold Trust ETF ETF 78463V107   2,237 9,239 SH   SOLE   9,239 0 0
SPDR Materials Select Sec. ETF ETF 81369Y100   26 312 SH   SOLE   312 0 0
SPDR MSCI EAFE Fsl Fuel Fr ETF ETF 78470E106   25 623 SH   SOLE   623 0 0
SPDR MSCI Emerg Fsl Fl Free ETF ETF 78470E205   8 240 SH   SOLE   240 0 0
SPDR Nuveen Barclays Muni Bd ETF ETF 78468R721   211 4,625 SH   SOLE   0 0 4,625
SPDR S&P 500 ETF ETF 78462F103   1,846 3,149 SH   SOLE   2,235 0 914
SPDR S&P 500 Fossil Fl Fr ETF ETF 78468R796   1,326 27,544 SH   SOLE   27,544 0 0
SPDR S&P 600 Small Cap ETF ETF 78464A300   75 857 SH   SOLE   857 0 0
SPDR S&P Biotech ETF ETF 78464A870   322 3,579 SH   SOLE   3,290 0 289
SPDR S&P Dividend ETF ETF 78464A763   172 1,299 SH   SOLE   1,299 0 0
SPDR S&P Mid Cap 400 ETF ETF 78467Y107   271 475 SH   SOLE   275 0 200
SPDR Utility Select Sec ETF ETF 81369Y886   11 150 SH   SOLE   150 0 0
SPDR Portfolio Developed Wld ex-US ETF ETF 78463X889   17 510 SH   SOLE   510 0 0
SPDR Portfolio S&P 500 Growth ETF ETF 78464A409   21 234 SH   SOLE   234 0 0
SPDR Portfolio S&P 500 Value ETF ETF 78464A508   18 353 SH   SOLE   353 0 0
Sprouts Farmers Market Inc COMMON 85208M102   19 150 SH   SOLE   150 0 0
Standex Int'l Corp. COMMON 854231107   173 926 SH   SOLE   926 0 0
Starbucks COMMON 855244109   193 2,110 SH   SOLE   2,110 0 0
State Street Corp. COMMON 857477103   11 110 SH   SOLE   110 0 0
Steris Corp. COMMON G8473T100   238 1,157 SH   SOLE   1,157 0 0
Stryker Corp. COMMON 863667101   135 375 SH   SOLE   230 0 145
Suncor Energy Inc. COMMON 867224107   12 324 SH   SOLE   324 0 0
Symbotic Inc. COMMON 87151X101   14 576 SH   SOLE   576 0 0
Synchrony Financial COMMON 87165B103   224 3,444 SH   SOLE   3,444 0 0
Sysco Corp. COMMON 871829107   92 1,208 SH   SOLE   1,208 0 0
Taiwan Semiconductor ADR ADR 874039100   18,200 92,157 SH   SOLE   86,186 0 5,971
Take Two Interactv Sftwr COMMON 874054109   14 75 SH   SOLE   75 0 0
Target Corp. COMMON 87612E106   55 410 SH   SOLE   410 0 0
Tesla Motors COMMON 88160R101   5 12 SH   SOLE   12 0 0
Texas Instruments Inc. COMMON 882508104   344 1,836 SH   SOLE   1,836 0 0
The Charles Schwab Corp. COMMON 808513105   9,219 124,562 SH   SOLE   115,752 0 8,810
The Travelers Companies Inc. COMMON 89417E109   1,201 4,985 SH   SOLE   4,985 0 0
Thermo Fisher Scientific COMMON 883556102   495 952 SH   SOLE   952 0 0
Thomson Reuters Corp COMMON 884903808   187 1,166 SH   SOLE   1,009 0 157
Thor Industries Inc COMMON 885160101   283 2,953 SH   SOLE   2,953 0 0
TJX Companies Inc COMMON 872540109   58 478 SH   SOLE   478 0 0
TKO Group Holdings Inc COMMON 87256C101   15 107 SH   SOLE   107 0 0
Toronto-Dominion Bank COMMON 891160509   395 7,426 SH   SOLE   5,032 0 2,394
Trane Technologies PLC COMMON G8994E103   600 1,625 SH   SOLE   1,625 0 0
Truist Finl Corp Com COMMON 89832Q109   15 356 SH   SOLE   356 0 0
Trustmark Corp. COMMON 898402102   4,944 139,788 SH   SOLE   139,788 0 0
U.S. Bancorp COMMON 902973304   50 1,050 SH   SOLE   1,050 0 0
UBS Group AG COMMON H42097107   10 339 SH   SOLE   339 0 0
UDR Inc COMMON 902653104   40 918 SH   SOLE   918 0 0
Unilever PLC ADR ADR 904767704   486 8,573 SH   SOLE   8,573 0 0
Union Pacific COMMON 907818108   439 1,924 SH   SOLE   1,924 0 0
United Parcel Service COMMON 911312106   14 113 SH   SOLE   113 0 0
United Rentals Inc COMMON 911363109   33 47 SH   SOLE   47 0 0
Unitedhealth Group Inc. COMMON 91324P102   451 892 SH   SOLE   892 0 0
Unum Provident Corp. COMMON 91529Y106   254 3,480 SH   SOLE   3,480 0 0
Valero Energy COMMON 91913Y100   1,752 14,290 SH   SOLE   13,071 0 1,219
Vaneck Vectors Gold Miners ETF ETF 92189F106   1,494 44,064 SH   SOLE   43,996 0 68
Vangard Russell 2000 ETF ETF 92206C664   34 386 SH   SOLE   386 0 0
Vanguard 500 ETF ETF 922908363   1,816 3,370 SH   SOLE   177 0 3,193
Vanguard Developed Market ETF ETF 921943858   34,661 724,830 SH   SOLE   646,024 0 78,806
Vanguard Div Appreciation ETF ETF 921908844   520 2,653 SH   SOLE   1,556 0 1,097
Vanguard Emerging Market ETF ETF 922042858   19,394 440,379 SH   SOLE   405,344 0 35,035
Vanguard ESG International Stock ETF ETF 921910725   13,360 235,627 SH   SOLE   193,525 0 42,102
Vanguard ESG US Corporate Bond ETF ETF 921910691   9,467 152,714 SH   SOLE   128,251 0 24,463
Vanguard ESG US Stock ETF ETF 921910733   22,896 218,287 SH   SOLE   175,809 0 42,478
Vanguard Financials ETF ETF 92204A405   62 526 SH   SOLE   526 0 0
Vanguard FTSE All World ex US ETF ETF 922042775   11 190 SH   SOLE   0 0 190
Vanguard Growth ETF ETF 922908736   2,015 4,909 SH   SOLE   816 0 4,093
Vanguard Health Care ETF ETF 92204A504   285 1,123 SH   SOLE   1,123 0 0
Vanguard High Dividend Yd ETF ETF 921946406   192 1,504 SH   SOLE   1,333 0 171
Vanguard Info Technology ETF ETF 92204A702   136 218 SH   SOLE   79 0 139
Vanguard Interm. Bond Idx ETF ETF 921937819   9 122 SH   SOLE   122 0 0
Vanguard Intermediate Corporate ETF ETF 92206C870   35,731 445,139 SH   SOLE   398,813 0 46,326
Vanguard Intermediate Treasury ETF ETF 92206C706   47,864 825,246 SH   SOLE   737,985 0 87,261
Vanguard Large-Cap ETF ETF 922908637   12 43 SH   SOLE   0 0 43
Vanguard Mid Cap ETF ETF 922908629   50 188 SH   SOLE   161 0 27
Vanguard Mid Cap Value ETF ETF 922908512   67 413 SH   SOLE   413 0 0
Vanguard Muni Bond ETF ETF 922907746   4,376 87,298 SH   SOLE   66,932 0 20,366
Vanguard REIT ETF ETF 922908553   139 1,565 SH   SOLE   1,565 0 0
Vanguard S&P Mid-Cap 400 ETF 921932844   144 1,504 SH   SOLE   1,504 0 0
Vanguard S&P Mid-Cap 400 Growth ETF ETF 921932869   102 902 SH   SOLE   902 0 0
Vanguard Short-Term Bond ETF ETF 921937827   206 2,668 SH   SOLE   2,606 0 62
Vanguard Short-Term Treasury ETF ETF 92206C102   225 3,865 SH   SOLE   3,865 0 0
Vanguard Sh-Tm Inflat- Prot ETF ETF 922020805   266 5,497 SH   SOLE   1,076 0 4,421
Vanguard Small Cap ETF ETF 922908751   57 238 SH   SOLE   238 0 0
Vanguard Small Cap Growth ETF ETF 922908595   73 261 SH   SOLE   261 0 0
Vanguard Total Int'l Bond Market ETF ETF 92203J407   256 5,210 SH   SOLE   5,035 0 175
Vanguard Total Stk Mkt ETF ETF 922908769   3,960 13,663 SH   SOLE   12,672 0 991
Vanguard Total U.S. Bond Market ETF ETF 921937835   340 4,726 SH   SOLE   4,372 0 354
Vanguard Total World Stock ETF ETF 922042742   450 3,827 SH   SOLE   3,677 0 150
Vanguard Ultra-Short Bond ETF ETF 92203C303   11 221 SH   SOLE   0 0 221
Vanguard Utilities Index Fund ETF 92204A876   18 108 SH   SOLE   108 0 0
Vanguard Value Index ETF ETF 922908744   292 1,722 SH   SOLE   1,677 0 45
Ventas REIT Inc REIT 92276F100   132 2,246 SH   SOLE   2,246 0 0
Verisk Analytics Inc Cla COMMON 92345Y106   138 500 SH   SOLE   500 0 0
Verizon Communications Inc. COMMON 92343V104   1,020 25,501 SH   SOLE   24,577 0 924
Vertex Pharmaceuticals COMMON 92532F100   28 70 SH   SOLE   70 0 0
Viasat Inc COMMON 92552V100   36 4,233 SH   SOLE   4,233 0 0
Visa Inc COMMON 92826C839   6,869 21,734 SH   SOLE   20,675 0 1,059
Vistra Energy Corp COMMON 92840M102   275 1,993 SH   SOLE   1,993 0 0
Walgreens Boots Alli COMMON 931427108   13 1,350 SH   SOLE   1,350 0 0
Wal-Mart Stores COMMON 931142103   1,139 12,609 SH   SOLE   12,609 0 0
Walt Disney Hldg COMMON 254687106   5,329 47,861 SH   SOLE   45,464 0 2,397
Waste Management Inc COMMON 94106L109   12 58 SH   SOLE   58 0 0
Watts Water Technologies COMMON 942749102   116 573 SH   SOLE   70 0 503
WEC Energy Group COMMON 92939U106   344 3,659 SH   SOLE   3,659 0 0
Wells Fargo & Co COMMON 949746101   27 385 SH   SOLE   385 0 0
Welltower Inc REIT REIT 95040Q104   189 1,500 SH   SOLE   1,500 0 0
Western Digital Corp. COMMON 958102105   22 367 SH   SOLE   367 0 0
Weyerhaeuser Company COMMON 962166104   380 13,502 SH   SOLE   11,999 0 1,503
Whirlpool COMMON 963320106   69 600 SH   SOLE   400 0 200
WisdomTree Emerg Mk SmCap ETF ETF 97717W281   102 2,085 SH   SOLE   2,023 0 62
WisdomTree India Earnings ETF ETF 97717W422   121 2,665 SH   SOLE   2,665 0 0
Wisdomtree Japan SmCap Div ETF ETF 97717W836   47 620 SH   SOLE   620 0 0
Wyndham Hotels & Resorts Inc COMMON 98311A105   46 452 SH   SOLE   452 0 0
Xcel Energy Inc. COMMON 98389B100   99 1,459 SH   SOLE   1,459 0 0
Xylem Inc COMMON 98419M100   942 8,116 SH   SOLE   7,671 0 445
Yum China Hldgs Inc Com COMMON 98850P109   2,751 57,104 SH   SOLE   53,987 0 3,117
Yum! Brands, Inc. COMMON 988498101   67 499 SH   SOLE   499 0 0
Zoetis Inc COMMON 98978V103   83 508 SH   SOLE   508 0 0