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 88579Y101 2,636 20,371 SH   SOLE   0 0 20,371
ABBOTT LABORATORIES COM 002824100 9,826 90,434 SH   SOLE   0 0 90,434
ABBVIE INC COM 00287Y109 2,698 17,616 SH   SOLE   0 0 17,616
ADOBE SYSTEMS INCORPORATED COM 00724F101 5,448 14,882 SH   SOLE   0 0 14,882
AIR PRODUCTS & CHEMICALS COM 009158106 329 1,368 SH   SOLE   0 0 1,368
ALLSTATE CORPORATION COM 020002101 664 5,237 SH   SOLE   0 0 5,237
ALPHABET INC NON-VOTING CL C COM 02079K107 14,238 6,509 SH   SOLE   0 0 6,509
ALPHABET INC VOTING CL A COM 02079K305 1,098 504 SH   SOLE   0 0 504
AMAZON.COM INC COM 023135106 11,008 103,640 SH   SOLE   0 0 103,640
AMERICAN ELECTRIC POWER COM 025537101 274 2,858 SH   SOLE   0 0 2,858
AMERICAN EXPRESS INC COM 025816109 3,783 27,288 SH   SOLE   0 0 27,288
AMGEN INC COM 031162100 1,203 4,946 SH   SOLE   0 0 4,946
APPLE INC COM 037833100 23,593 172,563 SH   SOLE   0 0 172,563
ARCHER DANIELS MIDLAND CO COM 039483102 1,185 15,266 SH   SOLE   0 0 15,266
AT&T CORP NEW COM 00206R102 689 32,865 SH   SOLE   0 0 32,865
ATMOS ENERGY CORP COM 049560105 2,742 24,462 SH   SOLE   0 0 24,462
BANK OF AMERICA COM 060505104 1,338 42,981 SH   SOLE   0 0 42,981
BANK OF NEW YORK MELLON CORP COM 064058100 594 14,246 SH   SOLE   0 0 14,246
BECTON DICKINSON COM 075887109 11,236 45,576 SH   SOLE   0 0 45,576
BERKSHIRE HATHAWAY INC DEL CLA COM 084670108 3,272 8 SH   SOLE   0 0 8
BERKSHIRE HATHAWAY INC DEL CLA COM 084670702 1,197 4,385 SH   SOLE   0 0 4,385
BOEING COM 097023105 1,285 9,398 SH   SOLE   0 0 9,398
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 1,099 14,273 SH   SOLE   0 0 14,273
C S X CORPORATION COM 126408103 731 25,151 SH   SOLE   0 0 25,151
CABLE ONE INC COM 12685J105 404 313 SH   SOLE   0 0 313
CARRIER GLOBAL COM 14448C104 426 11,960 SH   SOLE   0 0 11,960
CATERPILLAR INCORPORATED COM 149123101 6,490 36,307 SH   SOLE   0 0 36,307
CHEMOURS CO COM 163851108 21,006 656,023 SH   SOLE   0 0 656,023
CHEVRON CORP COM 166764100 7,465 51,560 SH   SOLE   0 0 51,560
CHURCH & DWIGHT CO INC COM 171340102 13,696 147,805 SH   SOLE   0 0 147,805
CISCO SYSTEMS INC COM 17275R102 6,103 143,121 SH   SOLE   0 0 143,121
COCA-COLA COMPANY COM 191216100 2,517 40,009 SH   SOLE   0 0 40,009
COLGATE-PALMOLIVE COMPANY COM 194162103 453 5,652 SH   SOLE   0 0 5,652
COMCAST CORP NEW CL A COM 20030N101 305 7,771 SH   SOLE   0 0 7,771
CONOCOPHILLIPS COM 20825C104 434 4,834 SH   SOLE   0 0 4,834
CORNING INC. COM 219350105 712 22,600 SH   SOLE   0 0 22,600
CORTEVA INC COM 22052L104 55,245 1,020,415 SH   SOLE   0 0 1,020,415
CVS CAREMARK CORPORATION COM 126650100 844 9,111 SH   SOLE   0 0 9,111
DANAHER CORP COM 235851102 943 3,720 SH   SOLE   0 0 3,720
DEERE AND CO. COM 244199105 349 1,164 SH   SOLE   0 0 1,164
DENTSPLY SIRONA INC COM 24906P109 878 24,576 SH   SOLE   0 0 24,576
DISCOVER FINANCIAL SERVICES COM 254709108 294 3,111 SH   SOLE   0 0 3,111
DOMINION RESOURCES INC OF VA COM 25746U109 4,037 50,584 SH   SOLE   0 0 50,584
DOVER CORPORATION COM 260003108 308 2,535 SH   SOLE   0 0 2,535
DOW CHEMICAL COMPANY (THE) COM 260557103 54,437 1,054,780 SH   SOLE   0 0 1,054,780
DTE ENERGY COM 233331107 381 3,004 SH   SOLE   0 0 3,004
DU PONT (E.I.) DE NEMOURS & CO COM 263534109 49,499 890,598 SH   SOLE   0 0 890,598
DUKE ENERGY CORP COM 26441C204 1,431 13,346 SH   SOLE   0 0 13,346
ELI LILLY & CO COM 532457108 1,563 4,822 SH   SOLE   0 0 4,822
EMERSON ELECTRIC CO. COM 291011104 1,106 13,901 SH   SOLE   0 0 13,901
ENBRIDGE INC. COM 29250N105 1,017 24,135 SH   SOLE   0 0 24,135
ESSENTIAL UTILITIES INC COM 29670G102 7,885 171,966 SH   SOLE   0 0 171,966
EXXON MOBIL CORPORATION COM 30231G102 10,009 116,872 SH   SOLE   0 0 116,872
FEDERAL REALTY INV TR S B I COM 313745101 869 9,079 SH   SOLE   0 0 9,079
FEDEX CORP COM 31428X106 6,350 28,010 SH   SOLE   0 0 28,010
FISERV INC COM 337738108 275 3,090 SH   SOLE   0 0 3,090
FRANKLIN RESOURCES INC COM 354613101 506 21,720 SH   SOLE   0 0 21,720
GENERAL ELECTRIC COMPANY COM 369604301 877 13,779 SH   SOLE   0 0 13,779
GENERAL MILLS INC COM 370334104 934 12,374 SH   SOLE   0 0 12,374
GLOBALSTAR INC COM 378973408 18 15,000 SH   SOLE   0 0 15,000
HERSHEY COMPANY COM 427866108 2,649 12,312 SH   SOLE   0 0 12,312
HOME DEPOT COM 437076102 1,601 5,837 SH   SOLE   0 0 5,837
HONEYWELL INTERNATIONAL INC COM 438516106 4,620 26,581 SH   SOLE   0 0 26,581
HP INC COM 40434L105 256 7,819 SH   SOLE   0 0 7,819
ILLINOIS TOOL WORKS INC. COM 452308109 10,838 59,466 SH   SOLE   0 0 59,466
INTEL CORP COM COM 458140100 4,847 129,554 SH   SOLE   0 0 129,554
INTERNATIONAL BUSINESS MACHINE COM 459200101 2,014 14,267 SH   SOLE   0 0 14,267
INTERNATIONAL FLAVORS & FRAGRA COM 459506101 14,487 121,613 SH   SOLE   0 0 121,613
INTERNATIONAL PAPER CO COM 460146103 239 5,709 SH   SOLE   0 0 5,709
INTUIT INC COM 461202103 1,388 3,600 SH   SOLE   0 0 3,600
ISHARES MSCI EAFE INDEX COM 464287465 223 3,575 SH   SOLE   0 0 3,575
ISHARES NASDAQ BIOTECH INDEX COM 464287556 7,816 66,449 SH   SOLE   0 0 66,449
ISHARES RUSSELL 2000 IDX COM 464287655 4,951 29,234 SH   SOLE   0 0 29,234
ISHARES RUSSELL MIDCAP INDEX COM 464287499 7,265 112,360 SH   SOLE   0 0 112,360
JOHNSON & JOHNSON COM 478160104 18,912 106,538 SH   SOLE   0 0 106,538
JPMORGAN CHASE & CO. COM 46625H100 10,745 95,414 SH   SOLE   0 0 95,414
KELLOGG COMPANY COM 487836108 2,676 37,504 SH   SOLE   0 0 37,504
KIMBERLY-CLARK CORP COM 494368103 2,519 18,636 SH   SOLE   0 0 18,636
KIMCO REALTY CORP REIT COM 49446R109 1,177 59,538 SH   SOLE   0 0 59,538
LABORATORY CORP OF AMERICA COM 50540R409 1,650 7,042 SH   SOLE   0 0 7,042
LINDE PLC COM G5494J103 382 1,330 SH   SOLE   0 0 1,330
LOCKHEED MARTIN COM 539830109 928 2,159 SH   SOLE   0 0 2,159
LOWES COS COM 548661107 15,907 91,067 SH   SOLE   0 0 91,067
M & T BANK CORP COM 55261F104 2,160 13,550 SH   SOLE   0 0 13,550
MANPOWER INC WISCONSIN COM 56418H100 361 4,724 SH   SOLE   0 0 4,724
MARRIOTT INTERNATIONAL, NEW IN COM 571903202 8,541 62,794 SH   SOLE   0 0 62,794
MARRIOTT VACATIONS WORLDWIDE C COM 57164Y107 206 1,775 SH   SOLE   0 0 1,775
MC DONALD'S CORPORATION COM 580135101 13,887 56,251 SH   SOLE   0 0 56,251
MEDTRONIC INC COM G5960L103 544 6,062 SH   SOLE   0 0 6,062
MERCK & COMPANY INCORPORATED N COM 58933Y105 7,797 85,516 SH   SOLE   0 0 85,516
MICROSOFT CORPORATION COM 594918104 29,602 115,258 SH   SOLE   0 0 115,258
MONDELEZ INTL INC COM 609207105 369 5,947 SH   SOLE   0 0 5,947
MORGAN STANLEY & CO COM 617446448 671 8,820 SH   SOLE   0 0 8,820
MOTOROLA SOLUTIONS, INC COM 620076307 1,049 5,004 SH   SOLE   0 0 5,004
NATIONAL FUEL GAS CO COM 636180101 282 4,268 SH   SOLE   0 0 4,268
NESTLE SA REG ADR COM 641069406 293 2,518 SH   SOLE   0 0 2,518
NEXTERA ENERGY COM 65339F101 7,914 102,174 SH   SOLE   0 0 102,174
NORFOLK SOUTHERN CORP COM 655844108 348 1,531 SH   SOLE   0 0 1,531
NORTHERN TRUST CORP COM 665859104 1,003 10,400 SH   SOLE   0 0 10,400
NORTHROP GRUMMAN CORP COM 666807102 527 1,100 SH   SOLE   0 0 1,100
NVIDIA CORP COM 67066G104 1,080 7,126 SH   SOLE   0 0 7,126
ORACLE CORP COM 68389X105 589 8,429 SH   SOLE   0 0 8,429
OTIS WORLDWIDE INC COM 68902V107 550 7,781 SH   SOLE   0 0 7,781
PEPSICO INCORPORATED COM 713448108 16,010 96,064 SH   SOLE   0 0 96,064
PFIZER INCORPORATED COM 717081103 1,466 27,963 SH   SOLE   0 0 27,963
PHILIP MORRIS INTERNATIONAL COM 718172109 435 4,410 SH   SOLE   0 0 4,410
PIONEER NAT RES CO COM 723787107 290 1,300 SH   SOLE   0 0 1,300
PNC FINANCIAL SERVICES GROUP COM 693475105 854 5,412 SH   SOLE   0 0 5,412
POWERSHARES QQQ TR ETF SERIES COM 73935A104 1,762 6,286 SH   SOLE   0 0 6,286
PROCTER & GAMBLE COMPANY COM 742718109 18,444 128,267 SH   SOLE   0 0 128,267
PUBLIC SERVICE ENTERPRISE GROU COM 744573106 281 4,440 SH   SOLE   0 0 4,440
QUALCOMM INC COM 747525103 202 1,582 SH   SOLE   0 0 1,582
RAYTHEON TECHNOLOGIES CORP COM 75513E101 8,151 84,809 SH   SOLE   0 0 84,809
SAUL CENTERS INC. COM 804395101 317 6,728 SH   SOLE   0 0 6,728
SELECT SECTOR SPDR TR UTILITIE COM 81369Y886 316 4,500 SH   SOLE   0 0 4,500
SMUCKER J.M. CO COM 832696405 641 5,006 SH   SOLE   0 0 5,006
SOUTHERN COMPANY (THE) COM 842587107 3,159 44,305 SH   SOLE   0 0 44,305
SPDR S&P 500 ETF COM 78462F103 426 1,128 SH   SOLE   0 0 1,128
SYSCO CORPORATION COM 871829107 1,468 17,332 SH   SOLE   0 0 17,332
T ROWE PRICE GROUP INC. COM 74144T108 10,578 93,105 SH   SOLE   0 0 93,105
TARGET CORP COM 87612E106 642 4,545 SH   SOLE   0 0 4,545
TEXAS INSTRUMENTS COM 882508104 1,192 7,758 SH   SOLE   0 0 7,758
THE TJX COMPANIES COM 872540109 223 4,000 SH   SOLE   0 0 4,000
THE TRAVELERS COS INC COM 89417E109 666 3,939 SH   SOLE   0 0 3,939
THERMO FISHER SCIENTIFIC COM 883556102 630 1,159 SH   SOLE   0 0 1,159
TRUIST FINANCIAL CORP COM 89832Q109 371 7,821 SH   SOLE   0 0 7,821
UDR INC COM 902653104 906 19,679 SH   SOLE   0 0 19,679
UNILEVER PLC SPONS ADR COM 904767704 229 5,000 SH   SOLE   0 0 5,000
UNION PACIFIC CORP COM 907818108 6,808 31,921 SH   SOLE   0 0 31,921
UNITED HEALTHCARE CORP COM 91324P102 11,706 22,791 SH   SOLE   0 0 22,791
VANGUARD EMERGING MARKETS ETF COM 922042858 657 15,785 SH   SOLE   0 0 15,785
VANGUARD FTSE DEVELOPED MARKET COM 921943858 1,074 26,316 SH   SOLE   0 0 26,316
VANGUARD INFORMATION TECHNOLOG COM 92204A702 65,018 199,105 SH   SOLE   0 0 199,105
VANGUARD MID CAP ETF COM 922908629 6,934 35,205 SH   SOLE   0 0 35,205
VANGUARD REIT ETF COM 922908553 1,995 21,902 SH   SOLE   0 0 21,902
VANGUARD S&P ETF COM 922908363 850 2,450 SH   SOLE   0 0 2,450
VANGUARD SMALL CAP ETF COM 922908751 5,027 28,542 SH   SOLE   0 0 28,542
VANGUARD TOTAL STOCK MARKET COM 922908769 4,367 23,150 SH   SOLE   0 0 23,150
VERIZON COMMUNICATIONS COM 92343V104 3,905 76,948 SH   SOLE   0 0 76,948
VISA INC CLASS A COM 92826C839 11,109 56,423 SH   SOLE   0 0 56,423
VULCAN MATERIALS CO COM 929160109 358 2,518 SH   SOLE   0 0 2,518
WAL-MART STORES INC COM 931142103 1,123 9,235 SH   SOLE   0 0 9,235
WALGREENS BOOTS ALLIANCE, INC. COM 931427108 548 14,450 SH   SOLE   0 0 14,450
WALT DISNEY COMPANY COM 254687106 7,236 76,657 SH   SOLE   0 0 76,657
WASH REAL ESTATE INV TRUST S B COM 939653101 1,213 56,906 SH   SOLE   0 0 56,906
WASTE CONNECTIONS INC COM 94106B101 235 1,900 SH   SOLE   0 0 1,900
WELLS FARGO & CO. NEW COM 949746101 3,850 98,288 SH   SOLE   0 0 98,288
WEYERHAEUSER CO COM 962166104 223 6,729 SH   SOLE   0 0 6,729
WHITE MOUNTAINS INS. COM G9618E107 248 199 SH   SOLE   0 0 199
YUM BRANDS INC COM 988498101 218 1,919 SH   SOLE   0 0 1,919