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 7,964 45,566 SH   SOLE   45,566 0 0
ABBOTT LABS COM 002824100 5,853 53,454 SH   SOLE   53,454 0 0
ABBVIE INC COM 00287y109 4,705 43,915 SH   SOLE   43,915 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,174 4,496 SH   SOLE   4,496 0 0
AIR PRODS & CHEMS INC COM 009158106 1,519 5,559 SH   SOLE   5,559 0 0
ALBEMARLE CORP COM 012653101 4,250 28,813 SH   SOLE   28,813 0 0
ALLSTATE CORP COM 020002101 1,420 12,920 SH   SOLE   12,920 0 0
ALPHABET INC CAP STK CL C 02079k107 11,624 6,635 SH   SOLE   6,635 0 0
ALPHABET INC CAP STK CL A 02079k305 18,809 10,732 SH   SOLE   10,732 0 0
ALTRIA GROUP INC COM 02209S103 3,349 81,682 SH   SOLE   81,682 0 0
AMAZON COM INC COM 023135106 27,137 8,332 SH   SOLE   8,332 0 0
AMCOR PLC ORD g0250x107 816 69,331 SH   SOLE   69,331 0 0
AMERICAN ELEC PWR CO INC COM 025537101 265 3,177 SH   SOLE   3,177 0 0
AMERICAN EXPRESS CO COM 025816109 1,564 12,934 SH   SOLE   12,934 0 0
AMERICAN TOWER CORP NEW COM 03027X100 7,603 33,872 SH   SOLE   33,872 0 0
AMERIPRISE FINL INC COM 03076C106 9,946 51,181 SH   SOLE   51,181 0 0
AMERISOURCEBERGEN CORP COM 03073E105 478 4,884 SH   SOLE   4,884 0 0
AMGEN INC COM 031162100 7,069 30,747 SH   SOLE   30,747 0 0
ANTHEM INC COM 036752103 11,756 36,613 SH   SOLE   36,613 0 0
APPLE INC COM 037833100 51,925 391,322 SH   SOLE   391,322 0 0
APTARGROUP INC COM 038336103 1,916 13,997 SH   SOLE   13,997 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 1,057 20,972 SH   SOLE   20,972 0 0
AT&T INC COM 00206R102 1,909 66,360 SH   SOLE   66,360 0 0
ATLAS CORP SHARES y0436q109 114 10,501 SH   SOLE   10,501 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 3,871 21,970 SH   SOLE   21,970 0 0
BANK NEW YORK MELLON CORP COM 064058100 946 22,297 SH   SOLE   22,297 0 0
BAXTER INTL INC COM 071813109 295 3,673 SH   SOLE   3,673 0 0
BECTON DICKINSON & CO COM 075887109 2,645 10,571 SH   SOLE   10,571 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 348 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,549 6,681 SH   SOLE   6,681 0 0
BK OF AMERICA CORP COM 060505104 784 25,863 SH   SOLE   25,863 0 0
BLACKROCK INC COM 09247X101 3,338 4,626 SH   SOLE   4,626 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 613 9,459 SH   SOLE   9,459 0 0
BOOKING HOLDINGS INC COM 09857l108 8,704 3,908 SH   SOLE   3,908 0 0
BP PLC SPONSORED ADR 055622104 260 12,689 SH   SOLE   12,689 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 2,897 46,700 SH   SOLE   46,700 0 0
BROADCOM INC COM 11135f101 5,385 12,299 SH   SOLE   12,299 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541w209 2,512 26,757 SH   SOLE   26,757 0 0
CAPITAL ONE FINL CORP COM 14040H105 402 4,066 SH   SOLE   4,066 0 0
CARDINAL HEALTH INC COM 14149Y108 1,080 20,162 SH   SOLE   20,162 0 0
CARRIER GLOBAL CORPORATION COM 14448c104 231 6,128 SH   SOLE   6,128 0 0
CATERPILLAR INC COM 149123101 1,998 10,976 SH   SOLE   10,976 0 0
CHEMOURS CO COM 163851108 204 8,242 SH   SOLE   8,242 0 0
CHEVRON CORP NEW COM 166764100 11,513 136,332 SH   SOLE   136,332 0 0
CHUBB LIMITED COM h1467j104 5,386 34,992 SH   SOLE   34,992 0 0
CHURCH & DWIGHT INC COM 171340102 774 8,870 SH   SOLE   8,870 0 0
CIGNA CORP NEW COM 125523100 258 1,239 SH   SOLE   1,239 0 0
CISCO SYS INC COM 17275R102 14,551 325,163 SH   SOLE   325,163 0 0
COCA COLA CO COM 191216100 4,593 83,747 SH   SOLE   83,747 0 0
COGNEX CORP COM 192422103 385 4,800 SH   SOLE   4,800 0 0
COLGATE PALMOLIVE CO COM 194162103 3,315 38,768 SH   SOLE   38,768 0 0
COMCAST CORP NEW CL A 20030n101 10,626 202,793 SH   SOLE   202,793 0 0
CONOCOPHILLIPS COM 20825c104 854 21,356 SH   SOLE   21,356 0 0
CONSTELLATION BRANDS INC CL A 21036P108 1,108 5,056 SH   SOLE   5,056 0 0
CORNING INC COM 219350105 373 10,364 SH   SOLE   10,364 0 0
CORTEVA INC COM 22052l104 1,232 31,812 SH   SOLE   31,812 0 0
CROWN CASTLE INTL CORP NEW COM 22822v101 209 1,310 SH   SOLE   1,310 0 0
CSX CORP COM 126408103 540 5,955 SH   SOLE   5,955 0 0
CVS HEALTH CORP COM 126650100 7,993 117,023 SH   SOLE   117,023 0 0
DANAHER CORPORATION COM 235851102 306 1,376 SH   SOLE   1,376 0 0
DEERE & CO COM 244199105 1,341 4,985 SH   SOLE   4,985 0 0
DISNEY WALT CO COM 254687106 13,108 72,349 SH   SOLE   72,349 0 0
DOLLAR TREE INC COM 256746108 8,227 76,146 SH   SOLE   76,146 0 0
DOMINION ENERGY INC COM 25746U109 1,891 25,151 SH   SOLE   25,151 0 0
DOVER CORP COM 260003108 4,345 34,415 SH   SOLE   34,415 0 0
DOW INC COM 260557103 1,946 35,068 SH   SOLE   35,068 0 0
DUKE ENERGY CORP NEW COM NEW 26441c204 204 2,227 SH   SOLE   2,227 0 0
DUPONT DE NEMOURS INC COM 26614n102 2,333 32,814 SH   SOLE   32,814 0 0
EASTMAN CHEM CO COM 277432100 7,247 72,267 SH   SOLE   72,267 0 0
EATON CORP PLC SHS G29183103 11,063 92,083 SH   SOLE   92,083 0 0
EMERSON ELEC CO COM 291011104 3,843 47,821 SH   SOLE   47,821 0 0
ESSENTIAL UTILS INC COM 29670g102 300 6,350 SH   SOLE   6,350 0 0
EVEREST RE GROUP LTD COM g3223r108 1,181 5,047 SH   SOLE   5,047 0 0
EXXON MOBIL CORP COM 30231G102 8,994 218,195 SH   SOLE   218,195 0 0
FACEBOOK INC CL A 30303m102 13,382 48,991 SH   SOLE   48,991 0 0
FASTENAL CO COM 311900104 282 5,772 SH   SOLE   5,772 0 0
FEDERATED HERMES INC CL B 314211103 552 19,101 SH   SOLE   19,101 0 0
FEDEX CORP COM 31428X106 324 1,248 SH   SOLE   1,248 0 0
FLEX LTD ORD Y2573F102 283 15,750 SH   SOLE   15,750 0 0
GENERAL DYNAMICS CORP COM 369550108 2,409 16,185 SH   SOLE   16,185 0 0
GENERAL ELECTRIC CO COM 369604103 629 58,284 SH   SOLE   58,284 0 0
GENERAL MLS INC COM 370334104 567 9,638 SH   SOLE   9,638 0 0
GILEAD SCIENCES INC COM 375558103 666 11,435 SH   SOLE   11,435 0 0
GLOBE LIFE INC COM 37959e102 1,230 12,950 SH   SOLE   12,950 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 9,782 37,094 SH   SOLE   37,094 0 0
HANOVER INS GROUP INC COM 410867105 2,012 17,206 SH   SOLE   17,206 0 0
HOME DEPOT INC COM 437076102 10,057 37,860 SH   SOLE   37,860 0 0
HONEYWELL INTL INC COM 438516106 249 1,169 SH   SOLE   1,169 0 0
HORMEL FOODS CORP COM 440452100 1,510 32,387 SH   SOLE   32,387 0 0
IDEXX LABS INC COM 45168d104 409 818 SH   SOLE   818 0 0
ILLINOIS TOOL WKS INC COM 452308109 2,788 13,677 SH   SOLE   13,677 0 0
INGREDION INC COM 457187102 800 10,174 SH   SOLE   10,174 0 0
INTEL CORP COM 458140100 6,452 129,501 SH   SOLE   129,501 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 2,367 18,806 SH   SOLE   18,806 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 212 13,900 SH   SOLE   13,900 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 29,039 227,689 SH   SOLE   227,689 0 0
ISHARES TR SELECT DIVID ETF 464287168 251 2,610 SH   SOLE   2,610 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 4,842 75,877 SH   SOLE   75,877 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,225 9,566 SH   SOLE   9,566 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,283 18,714 SH   SOLE   18,714 0 0
ISHARES TR CORE S&P MCP ETF 464287507 10,955 47,665 SH   SOLE   47,665 0 0
ISHARES TR EXPANDED TECH 464287515 5,771 16,298 SH   SOLE   16,298 0 0
ISHARES TR PHLX SEMICND ETF 464287523 2,882 7,601 SH   SOLE   7,601 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 525 3,838 SH   SOLE   3,838 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 2,440 18,523 SH   SOLE   18,523 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,765 9,003 SH   SOLE   9,003 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 864 3,864 SH   SOLE   3,864 0 0
ISHARES TR U.S. TECH ETF 464287721 5,922 69,600 SH   SOLE   69,600 0 0
ISHARES TR CORE S&P SCP ETF 464287804 7,056 76,776 SH   SOLE   76,776 0 0
ISHARES TR PFD AND INCM SEC 464288687 259 6,722 SH   SOLE   6,722 0 0
JOHNSON & JOHNSON COM 478160104 13,296 84,484 SH   SOLE   84,484 0 0
JPMORGAN CHASE & CO COM 46625H100 21,855 171,989 SH   SOLE   171,989 0 0
KIMBERLY-CLARK CORP COM 494368103 5,394 40,009 SH   SOLE   40,009 0 0
KINSALE CAP GROUP INC COM 49714p108 1,041 5,200 SH   SOLE   5,200 0 0
KLA CORP COM NEW 482480100 1,878 7,252 SH   SOLE   7,252 0 0
KRAFT HEINZ CO COM 500754106 547 15,771 SH   SOLE   15,771 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 234 1,237 SH   SOLE   1,237 0 0
LAUDER ESTEE COS INC CL A 518439104 253 950 SH   SOLE   950 0 0
LILLY ELI & CO COM 532457108 1,570 9,300 SH   SOLE   9,300 0 0
LOCKHEED MARTIN CORP COM 539830109 4,439 12,506 SH   SOLE   12,506 0 0
LOWES COS INC COM 548661107 9,834 61,268 SH   SOLE   61,268 0 0
MARATHON PETE CORP COM 56585a102 629 15,201 SH   SOLE   15,201 0 0
MARKEL CORP COM 570535104 1,871 1,811 SH   SOLE   1,811 0 0
MASTERCARD INCORPORATED CL A 57636Q104 530 1,485 SH   SOLE   1,485 0 0
MCDONALDS CORP COM 580135101 4,171 19,437 SH   SOLE   19,437 0 0
MEDTRONIC PLC SHS g5960l103 3,176 27,114 SH   SOLE   27,114 0 0
MERCK & CO. INC COM 58933y105 10,999 134,467 SH   SOLE   134,467 0 0
MICROSOFT CORP COM 594918104 32,883 147,840 SH   SOLE   147,840 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 514 11,364 SH   SOLE   11,364 0 0
MONDELEZ INTL INC CL A 609207105 3,203 54,775 SH   SOLE   54,775 0 0
MORGAN STANLEY COM NEW 617446448 9,171 133,827 SH   SOLE   133,827 0 0
MSC INDL DIRECT INC CL A 553530106 1,011 11,986 SH   SOLE   11,986 0 0
NBT BANCORP INC COM 628778102 227 7,070 SH   SOLE   7,070 0 0
NEWMARKET CORP COM 651587107 7,524 18,890 SH   SOLE   18,890 0 0
NEXSTAR MEDIA GROUP INC CL A 65336k103 274 2,510 SH   SOLE   2,510 0 0
NEXTERA ENERGY INC COM 65339f101 1,246 16,148 SH   SOLE   16,148 0 0
NIKE INC CL B 654106103 1,142 8,075 SH   SOLE   8,075 0 0
NORFOLK SOUTHN CORP COM 655844108 17,037 71,701 SH   SOLE   71,701 0 0
NORTHERN TR CORP COM 665859104 1,164 12,500 SH   SOLE   12,500 0 0
NOVARTIS AG SPONSORED ADR 66987V109 1,802 19,078 SH   SOLE   19,078 0 0
NOVO-NORDISK A S ADR 670100205 1,585 22,688 SH   SOLE   22,688 0 0
ORACLE CORP COM 68389X105 14,757 228,115 SH   SOLE   228,115 0 0
PARKER-HANNIFIN CORP COM 701094104 2,814 10,329 SH   SOLE   10,329 0 0
PEPSICO INC COM 713448108 15,360 103,572 SH   SOLE   103,572 0 0
PFIZER INC COM 717081103 5,765 156,629 SH   SOLE   156,629 0 0
PHILIP MORRIS INTL INC COM 718172109 5,907 71,349 SH   SOLE   71,349 0 0
PHILLIPS 66 COM 718546104 917 13,109 SH   SOLE   13,109 0 0
PNC FINL SVCS GROUP INC COM 693475105 10,179 68,318 SH   SOLE   68,318 0 0
PRICE T ROWE GROUP INC COM 74144T108 3,132 20,688 SH   SOLE   20,688 0 0
PROCTER AND GAMBLE CO COM 742718109 6,963 50,043 SH   SOLE   50,043 0 0
PULTE GROUP INC COM 745867101 2,316 53,715 SH   SOLE   53,715 0 0
QUALCOMM INC COM 747525103 4,425 29,045 SH   SOLE   29,045 0 0
QUEST DIAGNOSTICS INC COM 74834L100 2,872 24,101 SH   SOLE   24,101 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513e101 5,500 76,914 SH   SOLE   76,914 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 977 27,805 SH   SOLE   27,805 0 0
SCHLUMBERGER LTD COM 806857108 429 19,673 SH   SOLE   19,673 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,728 29,979 SH   SOLE   29,979 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,129 122,359 SH   SOLE   122,359 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,676 20,842 SH   SOLE   20,842 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,479 51,026 SH   SOLE   51,026 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 302 4,713 SH   SOLE   4,713 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4,403 65,273 SH   SOLE   65,273 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,347 35,535 SH   SOLE   35,535 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,592 53,998 SH   SOLE   53,998 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 6,437 49,510 SH   SOLE   49,510 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369y852 1,845 27,340 SH   SOLE   27,340 0 0
SENSIENT TECHNOLOGIES CORP COM 81725T100 976 13,236 SH   SOLE   13,236 0 0
SOUTHERN CO COM 842587107 448 7,286 SH   SOLE   7,286 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 2,574 46,547 SH   SOLE   46,547 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 6,101 177,420 SH   SOLE   177,420 0 0
STANLEY BLACK & DECKER INC COM 854502101 1,517 8,495 SH   SOLE   8,495 0 0
STANTEC INC COM 85472n109 407 12,550 SH   SOLE   12,550 0 0
STARBUCKS CORP COM 855244109 3,729 34,856 SH   SOLE   34,856 0 0
STRYKER CORPORATION COM 863667101 766 3,125 SH   SOLE   3,125 0 0
SYSCO CORP COM 871829107 3,375 45,455 SH   SOLE   45,455 0 0
TARGET CORP COM 87612E106 11,661 66,058 SH   SOLE   66,058 0 0
TE CONNECTIVITY LTD REG SHS h84989104 221 1,824 SH   SOLE   1,824 0 0
TEXAS INSTRS INC COM 882508104 237 1,441 SH   SOLE   1,441 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 18,089 38,835 SH   SOLE   38,835 0 0
TJX COS INC NEW COM 872540109 9,106 133,347 SH   SOLE   133,347 0 0
TORO CO COM 891092108 1,236 13,033 SH   SOLE   13,033 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 330 5,850 SH   SOLE   5,850 0 0
TOTAL SE SPONSORED ADS 89151e109 3,474 82,886 SH   SOLE   82,886 0 0
TRACTOR SUPPLY CO COM 892356106 361 2,566 SH   SOLE   2,566 0 0
TRANE TECHNOLOGIES PLC SHS g8994e103 8,036 55,357 SH   SOLE   55,357 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,327 9,455 SH   SOLE   9,455 0 0
TRUIST FINL CORP COM 89832q109 11,088 231,342 SH   SOLE   231,342 0 0
UDR INC COM 902653104 594 15,455 SH   SOLE   15,455 0 0
UNION PAC CORP COM 907818108 1,300 6,243 SH   SOLE   6,243 0 0
UNITED PARCEL SERVICE INC CL B 911312106 8,540 50,711 SH   SOLE   50,711 0 0
UNITEDHEALTH GROUP INC COM 91324P102 11,069 31,564 SH   SOLE   31,564 0 0
UNIVERSAL CORP VA COM 913456109 251 5,170 SH   SOLE   5,170 0 0
US BANCORP DEL COM NEW 902973304 2,013 43,210 SH   SOLE   43,210 0 0
V F CORP COM 918204108 1,899 22,239 SH   SOLE   22,239 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,156 6,892 SH   SOLE   6,892 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,822 8,590 SH   SOLE   8,590 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 5,867 28,376 SH   SOLE   28,376 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 742 5,257 SH   SOLE   5,257 0 0
VANGUARD WORLD FDS ENERGY ETF 92204a306 1,045 20,157 SH   SOLE   20,157 0 0
VANGUARD WORLD FDS INF TECH ETF 92204a702 8,161 23,066 SH   SOLE   23,066 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,656 45,205 SH   SOLE   45,205 0 0
VISA INC COM CL A 92826c839 10,679 48,822 SH   SOLE   48,822 0 0
WALMART INC COM 931142103 9,350 64,864 SH   SOLE   64,864 0 0
WATERS CORP COM 941848103 378 1,528 SH   SOLE   1,528 0 0
WELLS FARGO CO NEW COM 949746101 1,961 64,975 SH   SOLE   64,975 0 0
WESTROCK CO COM 96145d105 2,380 54,675 SH   SOLE   54,675 0 0
WISDOMTREE TR US LARGECAP FUND 97717w588 1,533 38,183 SH   SOLE   38,183 0 0
YUM BRANDS INC COM 988498101 574 5,290 SH   SOLE   5,290 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956p102 1,425 9,250 SH   SOLE   9,250 0 0