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
ABBOTT LABS COM 002824100 2,786 25,602 SH   SOLE   25,602 0 0
ABBVIE INC COM 00287Y109 1,495 17,070 SH   SOLE   17,070 0 0
ALPHABET INC CAP STK CL A 02079K305 1,643 1,121 SH   SOLE   1,096 0 25
ALTRIA GROUP INC COM 02209S103 240 6,222 SH   SOLE   6,222 0 0
AMAZON COM INC COM 023135106 2,066 656 SH   SOLE   656 0 0
APPLE INC COM 037833100 5,438 46,956 SH   SOLE   46,556 0 400
AQUA METALS INC COM 03837J101 24 26,000 SH   SOLE   26,000 0 0
AT&T INC COM 00206R102 1,147 40,227 SH   SOLE   39,577 0 650
AUTOMATIC DATA PROCESSING IN COM 053015103 1,251 8,965 SH   SOLE   8,365 0 600
BAXTER INTL INC COM 071813109 370 4,603 SH   SOLE   4,603 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 665 11,035 SH   SOLE   11,035 0 0
CHEVRON CORP NEW COM 166764100 996 13,836 SH   SOLE   13,436 0 400
CINCINNATI FINL CORP COM 172062101 642 8,235 SH   SOLE   7,535 0 700
CISCO SYS INC COM 17275R102 1,253 31,801 SH   SOLE   31,801 0 0
CLOROX CO DEL COM 189054109 605 2,880 SH   SOLE   2,880 0 0
COCA COLA CO COM 191216100 223 4,507 SH   SOLE   4,507 0 0
COLGATE PALMOLIVE CO COM 194162103 640 8,296 SH   SOLE   7,796 0 500
COSTCO WHSL CORP NEW COM 22160K105 420 1,182 SH   SOLE   882 0 300
DISNEY WALT CO COM DISNEY 254687106 1,346 10,845 SH   SOLE   10,645 0 200
DOMINION ENERGY INC COM 25746U109 349 4,424 SH   SOLE   4,024 0 400
DUKE ENERGY CORP NEW COM NEW 26441C204 612 6,909 SH   SOLE   6,909 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 299 3,750 SH   SOLE   3,750 0 0
LILLY ELI & CO COM 532457108 613 4,142 SH   SOLE   4,142 0 0
EMERSON ELEC CO COM 291011104 845 12,886 SH   SOLE   12,536 0 350
ESSENTIAL UTILS INC COM 29670G102 679 16,877 SH   SOLE   15,627 0 1,250
EXXON MOBIL CORP COM 30231G102 375 10,930 SH   SOLE   10,230 0 700
FACEBOOK INC CL A 30303M102 486 1,857 SH   SOLE   1,732 0 125
GALLAGHER ARTHUR J & CO COM 363576109 335 3,175 SH   SOLE   3,175 0 0
HOME DEPOT INC COM 437076102 1,754 6,315 SH   SOLE   6,315 0 0
HONEYWELL INTL INC COM 438516106 1,501 9,118 SH   SOLE   9,118 0 0
INTEL CORP COM 458140100 1,705 32,923 SH   SOLE   30,673 0 2,250
IRHYTHM TECHNOLOGIES INC COM 450056106 271 1,140 SH   SOLE   1,140 0 0
SMUCKER J M CO COM NEW 832696405 259 2,245 SH   SOLE   2,245 0 0
JOHNSON & JOHNSON COM 478160104 2,850 19,144 SH   SOLE   17,944 0 1,200
JPMORGAN CHASE & CO COM 46625H100 771 8,012 SH   SOLE   8,012 0 0
KIMBERLY CLARK CORP COM 494368103 1,388 9,400 SH   SOLE   8,600 0 800
KINSALE CAP GROUP INC COM 49714P108 423 2,225 SH   SOLE   2,225 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,593 4,710 SH   SOLE   4,510 0 200
MERCK & CO. INC COM 58933Y105 2,045 24,655 SH   SOLE   24,655 0 0
MICROSOFT CORP COM 594918104 3,733 17,748 SH   SOLE   16,923 0 825
MONDELEZ INTL INC CL A 609207105 721 12,545 SH   SOLE   12,545 0 0
NEXTERA ENERGY INC COM 65339F101 1,442 5,197 SH   SOLE   5,072 0 125
NIKE INC CL B 654106103 2,265 18,041 SH   SOLE   18,041 0 0
NVIDIA CORPORATION COM 67066G104 443 819 SH   SOLE   819 0 0
PAYPAL HLDGS INC COM 70450Y103 702 3,565 SH   SOLE   3,565 0 0
PEPSICO INC COM 713448108 2,461 17,755 SH   SOLE   17,405 0 350
PFIZER INC COM 717081103 778 21,206 SH   SOLE   20,000 0 1,206
PHILIP MORRIS INTL INC COM 718172109 448 5,976 SH   SOLE   5,976 0 0
PROCTER AND GAMBLE CO COM 742718109 5,049 36,328 SH   SOLE   35,228 0 1,100
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,279 22,230 SH   SOLE   21,930 0 300
RPM INTL INC COM 749685103 2,470 29,813 SH   SOLE   26,513 0 3,300
SOUTHERN CO COM 842587107 769 14,180 SH   SOLE   14,180 0 0
STRYKER CORPORATION COM 863667101 1,297 6,225 SH   SOLE   6,225 0 0
TESLA INC COM 88160R101 2,231 5,200 SH   SOLE   5,200 0 0
TEXAS INSTRS INC COM 882508104 771 5,400 SH   SOLE   5,400 0 0
UNION PAC CORP COM 907818108 359 1,825 SH   SOLE   1,825 0 0
UNITED PARCEL SERVICE INC CL B 911312106 915 5,490 SH   SOLE   5,490 0 0
US BANCORP DEL COM NEW 902973304 222 6,190 SH   SOLE   6,190 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,412 40,541 SH   SOLE   39,941 0 600
VISA INC COM CL A 92826C839 820 4,100 SH   SOLE   4,100 0 0
WASTE MGMT INC DEL COM 94106L109 1,452 12,827 SH   SOLE   12,827 0 0
3M CO COM 88579Y101 1,978 12,351 SH   SOLE   11,451 0 900
ASML HOLDING N V N Y REGISTRY SHS N07059210 209 565 SH   SOLE   565 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 471 3,420 SH   SOLE   3,170 0 250
NOVARTIS AG SPONSORED ADR 66987V109 405 4,655 SH   SOLE   4,655 0 0
UNILEVER N V N Y SHS NEW 904784709 250 4,140 SH   SOLE   4,140 0 0
UNILEVER PLC SPON ADR NEW 904767704 226 3,662 SH   SOLE   2,812 0 850
AMERICAN TOWER CORP NEW COM 03027X100 319 1,320 SH   SOLE   0 0 1,320
WP CAREY INC COM 92936U109 251 3,855 SH   SOLE   0 0 3,855
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 795 3,518 SH   SOLE   3,518 0 0
ENBRIDGE INC COM 29250N105 238 8,157 SH   SOLE   8,157 0 0
LINDE PLC SHS G5494J103 562 2,362 SH   SOLE   2,362 0 0
MEDTRONIC PLC SHS G5960L103 551 5,299 SH   SOLE   5,299 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 257 4,325 SH   SOLE   0 0 257
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 439 2,990 SH   SOLE   0 0 439
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 1,379 6,545 SH   SOLE   0 0 1,379
ISHARES TR RUS 1000 ETF 464287622 257 1,375 SH   SOLE   0 0 257
ISHARES TR S&P 100 ETF 464287101 233 1,498 SH   SOLE   0 0 233
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,364 17,126 SH   SOLE   0 0 1,364
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 296 5,350 SH   SOLE   0 0 296
SPDR SER TR SSGA GNDER ETF 78468R747 337 4,400 SH   SOLE   0 0 337
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,552 30,975 SH   SOLE   0 0 1,552
SPDR SER TR S&P BIOTECH 78464A870 420 3,770 SH   SOLE   0 0 420
SPDR S&P 500 ETF TR TR UNIT 78462F103 543 1,620 SH   SOLE   0 0 543
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 319 6,320 SH   SOLE   0 0 319
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 281 3,475 SH   SOLE   0 0 281
VANGUARD INDEX FDS MID CAP ETF 922908629 372 2,110 SH   SOLE   0 0 372
VANGUARD WORLD FDS INF TECH ETF 92204A702 624 2,003 SH   SOLE   0 0 624
VANGUARD INDEX FDS SMALL CP ETF 922908751 669 4,350 SH   SOLE   0 0 669
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,146 18,474 SH   SOLE   0 0 3,146
ISHARES TR INTRM GOV CR ETF 464288612 698 5,925 SH   SOLE   0 0 698
ISHARES TR ISHS 5-10YR INVT 464288638 1,175 19,315 SH   SOLE   0 0 1,175
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 263 2,750 SH   SOLE   0 0 263
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,038 12,500 SH   SOLE   0 0 1,038
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,039 12,540 SH   SOLE   0 0 1,039