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 384 2,815 SH   SOLE   2,815 0 0
ABBOTT LABS COM 002824100 14,340 181,732 SH   SOLE   181,732 0 0
ABBVIE INC COM 00287y109 468 6,137 SH   SOLE   6,137 0 0
ADOBE INC COM 00724f101 19,842 62,349 SH   SOLE   62,349 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 627 3,140 SH   SOLE   3,140 0 0
ALPHABET INC CL A COM 02079k305 14,404 12,396 SH   SOLE   12,396 0 0
ALPHABET INC CL C COM 02079k107 1,108 953 SH   SOLE   953 0 0
AMAZON.COM INC COM 023135106 18,136 9,302 SH   SOLE   9,302 0 0
ANALOG DEVICES INC COM 032654105 309 3,447 SH   SOLE   3,447 0 0
ANGI HOMESERVICES INC CL A COM 00183l102 1,392 265,193 SH   SOLE   265,193 0 0
APPLE INC COM 037833100 14,749 57,999 SH   SOLE   57,999 0 0
AT&T INC COM 00206r102 10,341 354,742 SH   SOLE   354,742 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 1,485 10,863 SH   SOLE   10,863 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 14 100 SH   DFND   100 0 0
AXSOME THERAPEUTICS INC COM 05464t104 226 3,840 SH   SOLE   3,840 0 0
BANK OF AMERICA CORP COM 060505104 10,003 471,173 SH   SOLE   471,173 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107 244 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109 7,192 31,301 SH   SOLE   31,301 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108 272 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702 605 3,307 SH   SOLE   3,307 0 0
BEYOND AIR INC COM 08862l103 87 10,925 SH   SOLE   10,925 0 0
BIOGEN INC COM 09062x103 681 2,151 SH   SOLE   2,151 0 0
BOEING CO COM 097023105 402 2,696 SH   SOLE   2,696 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 7,208 129,321 SH   SOLE   129,321 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102 327 4,210 SH   SOLE   4,210 0 0
CHEVRON CORPORATION COM 166764100 790 10,899 SH   SOLE   10,899 0 0
CHURCH & DWIGHT INC COM 171340102 535 8,340 SH   SOLE   8,340 0 0
CISCO SYSTEMS INC COM 17275r102 10,552 268,437 SH   SOLE   268,437 0 0
COCA COLA CO COM 191216100 10,580 239,098 SH   SOLE   239,098 0 0
CVR PARTNERS LP COM 126633106 15 14,900 SH   SOLE   14,900 0 0
DANAHER CORP COM 235851102 316 2,280 SH   SOLE   2,280 0 0
DISNEY WALT CO NEW COM 254687106 303 3,135 SH   SOLE   3,135 0 0
ECOLAB INC COM 278865100 4,970 31,891 SH   SOLE   31,891 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 413 2,190 SH   SOLE   2,190 0 0
EMERSON ELEC CO COM 291011104 602 12,640 SH   SOLE   12,640 0 0
EXXON MOBIL CORP COM 30231g102 3,822 100,657 SH   SOLE   100,657 0 0
FISERV INC COM 337738108 568 5,975 SH   SOLE   5,975 0 0
HEINEKEN HOLDING NV COM 00b0cch46 282 3,680 SH   SOLE   3,680 0 0
HEXCEL CORP COM 428291108 6,210 166,990 SH   SOLE   166,990 0 0
HOME DEPOT INC COM 437076102 742 3,976 SH   SOLE   3,976 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 8,119 60,686 SH   SOLE   60,686 0 0
ILLINOIS TOOL WKS INC COM 452308109 234 1,650 SH   SOLE   1,650 0 0
INTEL CORP COM 458140100 1,369 25,303 SH   SOLE   25,303 0 0
INTL. BUSINESS MACHINES CORP COM 459200101 8,162 73,581 SH   SOLE   73,581 0 0
INTUIT INC COM 461202103 503 2,185 SH   SOLE   2,185 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440 683 5,620 SH   SOLE   5,620 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150 4,162 72,745 SH   SOLE   72,745 0 0
ISHARES GOLD TRUST COM 464285105 18,706 1,241,249 SH   SOLE   1,241,249 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570 535 5,492 SH   SOLE   5,492 0 0
ISHARES NASDAQ BIOTECH ETF COM 464287556 6,045 56,106 SH   SOLE   56,106 0 0
JACK HENRY & ASSOCIATES INC COM 426281101 265 1,710 SH   SOLE   1,710 0 0
JOHNSON & JOHNSON COM 478160104 13,739 104,774 SH   SOLE   104,774 0 0
JP MORGAN CHASE & CO COM 46625h100 10,349 114,949 SH   SOLE   114,949 0 0
LILLY ELI & CO COM 532457108 419 3,010 SH   SOLE   3,010 0 0
LINDE PLC COM g5494j103 11,794 68,171 SH   SOLE   68,171 0 0
LOWES COS INC COM 548661107 17 200 SH   DFND   200 0 0
MASTERCARD INC CL A COM 57636q104 717 2,970 SH   SOLE   2,970 0 0
MCDONALDS CORP COM 580135101 615 3,720 SH   SOLE   3,720 0 0
MERCK & CO INC COM 58933y105 14,647 190,370 SH   SOLE   190,370 0 0
MICROSOFT CORP COM 594918104 26,439 167,646 SH   SOLE   167,646 0 0
NESTLE SA SPONS ADR COM 641069406 10,969 106,507 SH   SOLE   106,507 0 0
NEXTERA ENERGY INC COM 65339f101 19,872 82,585 SH   SOLE   82,585 0 0
PAYPAL HOLDINGS INC COM 70450y103 8,004 83,599 SH   SOLE   83,599 0 0
PEPSICO INC COM 713448108 10,455 87,050 SH   SOLE   87,050 0 0
PEPSICO INC COM 713448108 12 100 SH   DFND   100 0 0
PFIZER INC COM 717081103 673 20,631 SH   SOLE   20,631 0 0
PFIZER INC COM 717081103 49 1,511 SH   DFND   1,511 0 0
PHORM CORP LTD COM 00b83b2c1 0 250,000 SH   SOLE   250,000 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 350 3,660 SH   SOLE   3,660 0 0
PROCTER & GAMBLE CO COM 742718109 11,722 106,563 SH   SOLE   106,563 0 0
PROMIS NEUROSCIENCES INC COM 00bymxsm2 6 73,500 SH   SOLE   73,500 0 0
ROYAL BANK OF CANADA COM 780087102 345 5,600 SH   SOLE   5,600 0 0
SALESFORCECOM COM 79466l302 13,256 92,066 SH   SOLE   92,066 0 0
SPDR GOLD TRUST COM 78463v107 209 1,415 SH   SOLE   1,415 0 0
SPDR PORT SHRT TRM TRSRY COM 78468r101 210 6,824 SH   SOLE   6,824 0 0
STARBUCKS CORP COM 855244109 235 3,580 SH   SOLE   3,580 0 0
STATE STREET CORP COM 857477103 286 5,364 SH   SOLE   5,364 0 0
STRYKER CORPORATION COM 863667101 619 3,717 SH   SOLE   3,717 0 0
TARGET CORP COM 87612E106 215 2,315 SH   SOLE   2,315 0 0
TG THERAPEUTICS INC COM 88322q108 106 10,800 SH   SOLE   10,800 0 0
TJX COS INC COM 872540109 624 13,060 SH   SOLE   13,060 0 0
TYHEE GOLD CORP COM 002447575 42 5,194,000 SH   SOLE   5,194,000 0 0
UNION PAC CORP COM 907818108 10,555 74,835 SH   SOLE   74,835 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,150 12,190 SH   SOLE   12,190 0 0
UNITEDHEALTH GROUP INC COM 91324p102 6,719 26,941 SH   SOLE   26,941 0 0
US BANCORP NEW COM 902973304 519 15,055 SH   SOLE   15,055 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844 4,553 44,028 SH   SOLE   44,028 0 0
VERIZON COMMUNICATIONS COM 92343v104 11,327 210,814 SH   SOLE   210,814 0 0
VISA INC CL A COM 92826c839 16,178 100,408 SH   SOLE   100,408 0 0
WEYERHAEUSER CO REIT COM 962166104 281 16,596 SH   SOLE   16,596 0 0
WI2WI CORP COM 00b973xc7 18 518,500 SH   SOLE   518,500 0 0
XYLEM INC COM 98419m100 5,862 90,012 SH   SOLE   90,012 0 0
YUM BRANDS INC COM 988498101 232 3,382 SH   SOLE   3,382 0 0
ZOETIS INC COM 98978v103 19,180 162,967 SH   SOLE   162,967 0 0
ZOETIS INC COM 98978v103 56 476 SH   DFND   476 0 0