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
Expires: July 31, 2015
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 Company COMMON 88579Y101 328 2,026 SH SOLE 2,026 0 0
Abbott Laboratories COMMON 002824100 2,286 25,194 SH SOLE 25,194 0 0
AbbVie Inc. COMMON 00287Y109 4,172 16,581 SH SOLE 16,581 0 0
Accenture Ltd Cl A COMMON G1151C101 19 154 SH SOLE 154 0 0
Adobe Systems Inc. COMMON 00724F101 23 112 SH SOLE 112 0 0
Aecom COMMON 00766T100 10 149 SH SOLE 149 0 0
Agilent Technologies COMMON 00846U101 14 105 SH SOLE 105 0 0
Air Products & Chemicals Inc. COMMON 009158106 841 2,870 SH SOLE 2,870 0 0
Alerus Finl Corp COMMON 01446U103 298 9,584 SH SOLE 9,584 0 0
Alico, Inc. COMMON 016230104 43 1,035 SH SOLE 1,035 0 0
Allegion Public Ltd Co COMMON G0176J109 28 200 SH SOLE 200 0 0
Alliant Energy Corp COMMON 018802108 740 9,700 SH SOLE 8,600 0 1,100
Allstate COMMON 020002101 522 2,195 SH SOLE 2,195 0 0
Alphabet, Inc Cl C COMMON 02079K107 9,325 26,393 SH SOLE 25,642 0 751
Alphabet, Inc. Cl A COMMON 02079K305 11,114 31,099 SH SOLE 30,106 0 993
Amazon.Com COMMON 023135106 6,079 25,506 SH SOLE 24,893 0 613
America Movil L ADR ADR 02390A101 94 3,600 SH SOLE 3,600 0 0
American Express Company COMMON 025816109 1,330 3,931 SH SOLE 3,931 0 0
American Tower REIT REIT 03027X100 1,509 9,225 SH SOLE 8,829 0 396
American Water Works Co COMMON 030420103 26 200 SH SOLE 200 0 0
Ameriprise Financial Inc. COMMON 03076C106 199 433 SH SOLE 433 0 0
Amgen Incorporated COMMON 031162100 3,953 10,917 SH SOLE 10,917 0 0
Amkor Technology Inc COMMON 031652100 2,554 29,624 SH SOLE 29,624 0 0
Amphenol Corp Cl A COMMON 032095101 102 580 SH SOLE 580 0 0
Analog Devices Inc. COMMON 032654105 37 92 SH SOLE 92 0 0
Anthem Inc COMMON 036752103 49 127 SH SOLE 127 0 0
Apple Inc. COMMON 037833100 13,506 46,676 SH SOLE 45,974 0 702
Applied Materials COMMON 038222105 597 826 SH SOLE 826 0 0
AptarGroup, Inc COMMON 038336103 2,172 17,347 SH SOLE 16,633 0 714
Asml Hldgs Nv COMMON N07059210 438 220 SH SOLE 220 0 0
Astec Industries COMMON 046224101 80 1,300 SH SOLE 700 0 600
AstraZeneca PLC COMMON G0593M107 1,122 5,916 SH SOLE 5,916 0 0
AT&T Inc. COMMON 00206R102 241 11,627 SH SOLE 11,101 0 526
Atmos Energy Corp COMMON 049560105 26 150 SH SOLE 150 0 0
Auto Data Processing COMMON 053015103 498 2,225 SH SOLE 2,225 0 0
Bank Montreal Quebec COMMON 063671101 177 1,000 SH SOLE 1,000 0 0
Bank of America Corp COMMON 060505104 249 4,376 SH SOLE 4,376 0 0
Bank of New York Mellon COMMON 064058100 114 788 SH SOLE 788 0 0
Baxter International COMMON 071813109 9 444 SH SOLE 444 0 0
Becton Dickinson & Co COMMON 075887109 441 2,913 SH SOLE 2,913 0 0
Berkshire Hathaway Cl B COMMON 084670702 9,667 19,319 SH SOLE 18,400 0 919
Biogen Idec Inc COMMON 09062X103 113 525 SH SOLE 525 0 0
Blackrock Inc COMMON 09247X101 384 399 SH SOLE 399 0 0
Blackrock MuniYield Quality Fund COMMON 09254F100 15 1,300 SH SOLE 1,300 0 0
BlackRock U.S. Carbon Transition Readiness ETF COMMON 09290C509 21 266 SH SOLE 266 0 0
BlackRock World ex U.S. Carbon Transition Readiness ETF COMMON 09290C608 4 77 SH SOLE 77 0 0
Boeing Co. COMMON 097023105 3,550 16,402 SH SOLE 15,533 0 869
Booking Holdings Inc COMMON 09857L108 22 125 SH SOLE 125 0 0
Bristol Myers COMMON 110122108 1,046 18,157 SH SOLE 17,084 0 1,073
Broadcom Ltd COMMON 11135F101 5,806 15,369 SH SOLE 15,369 0 0
Broadridge Finl Solution COMMON 11133T103 147 1,075 SH SOLE 1,075 0 0
Brookfield Corp COMMON 11271J107 444 10,426 SH SOLE 10,426 0 0
Brookfield Renewable Corp Ordinary Shares - Class COMMON 11284V105 865 23,308 SH SOLE 22,974 0 334
Canadian Natl Ry Co COMMON 136375102 18 150 SH SOLE 150 0 0
Canadian Pacific COMMON 13646K108 125 1,443 SH SOLE 1,443 0 0
Capital Group Dividend Value ETF COMMON 14020W106 12 237 SH SOLE 237 0 0
Capital One Financial COMMON 14040H105 147 734 SH SOLE 734 0 0
Cardinal Health Inc COMMON 14149Y108 11 48 SH SOLE 48 0 0
Carrier Global Corp-Wi COMMON 14448C104 157 2,147 SH SOLE 1,580 0 567
Caterpillar COMMON 149123101 8,000 7,512 SH SOLE 7,104 0 408
CBRE Group Inc COMMON 12504L109 489 3,628 SH SOLE 3,628 0 0
Cencora, Inc COMMON 03073E105 22 77 SH SOLE 77 0 0
Charter Communications Inc COMMON 16119P108 26 184 SH SOLE 184 0 0
Chemed Corp. COMMON 16359R103 1,427 3,065 SH SOLE 3,065 0 0
Chemours Co LLC COMMON 163851108 4 185 SH SOLE 185 0 0
Cheniere Energy Inc New COMMON 16411R208 17 73 SH SOLE 73 0 0
Chevron Corp. COMMON 166764100 984 5,938 SH SOLE 5,879 0 59
Choice Hotels Intn'l. COMMON 169905106 41 374 SH SOLE 374 0 0
Chubb Limited COMMON H1467J104 6,456 18,946 SH SOLE 18,219 0 727
Cigna Corp COMMON 125523100 232 840 SH SOLE 840 0 0
Cincinnati Financial Corp COMMON 172062101 72 390 SH SOLE 390 0 0
Cisco Systems, Inc. COMMON 17275R102 6,314 53,752 SH SOLE 52,506 0 1,246
Citigroup COMMON 172967424 205 1,468 SH SOLE 1,468 0 0
Clorox Company COMMON 189054109 10 100 SH SOLE 100 0 0
CME Group Inc. COMMON 12572Q105 389 1,760 SH SOLE 1,760 0 0
CNB Financial Corporation COMMON 126128107 3 100 SH SOLE 100 0 0
Coca-Cola Co COMMON 191216100 3,591 44,192 SH SOLE 42,706 0 1,486
Colgate-Palmolive COMMON 194162103 607 6,619 SH SOLE 6,619 0 0
Comcast Corp. COMMON 20030N101 143 5,826 SH SOLE 5,826 0 0
Community Bank System COMMON 203607106 567 8,446 SH SOLE 5,362 0 3,084
Conagra Foods Inc. COMMON 205887102 5 400 SH SOLE 400 0 0
Conoco Phillips COMMON 20825C104 715 6,882 SH SOLE 5,483 0 1,399
Consolidated Edison Inc. COMMON 209115104 109 985 SH SOLE 985 0 0
Constellation Brand Cl Aclass A COMMON 21036P108 17 119 SH SOLE 119 0 0
Constellation Energy Co. COMMON 21037T109 163 656 SH SOLE 656 0 0
Corning COMMON 219350105 32,717 128,087 SH SOLE 124,094 0 3,993
Corteva Inc com COMMON 22052L104 48 564 SH SOLE 564 0 0
Costco COMMON 22160K105 9,472 10,126 SH SOLE 9,323 0 803
CrowdStrike Holdings, Inc. COMMON 22788C105 34 45 SH SOLE 45 0 0
CSX Corp COMMON 126408103 1,174 24,699 SH SOLE 24,699 0 0
CVS Corp COMMON 126650100 68 653 SH SOLE 653 0 0
D R Horton Co. COMMON 23331A109 24 150 SH SOLE 150 0 0
Danaher Corp COMMON 235851102 14 75 SH SOLE 75 0 0
Deere & Company COMMON 244199105 1,193 1,880 SH SOLE 1,880 0 0
Dell Inc. COMMON 24703L202 173 401 SH SOLE 401 0 0
Delta Airlines COMMON 247361702 32 340 SH SOLE 340 0 0
Dentsply Int'l Inc COMMON 24906P109 45 4,200 SH SOLE 4,200 0 0
Digital Realty Trust REIT REIT 253868103 196 1,090 SH SOLE 1,090 0 0
Dover Corporation COMMON 260003108 1,534 6,841 SH SOLE 6,841 0 0
Dow In COMMON 260557103 21 779 SH SOLE 779 0 0
Dr Reddys Labs ADR ADR 256135203 220 15,161 SH SOLE 15,161 0 0
Duke Energy Corporation COMMON 26441C204 1,765 13,945 SH SOLE 13,596 0 349
DXC Technology Company COMMON 23355L106 0 1 SH SOLE 1 0 0
E Bay Inc. COMMON 278642103 53 475 SH SOLE 275 0 200
E I DuPont COMMON 26614N102 70 515 SH SOLE 515 0 0
E O G Resources Inc COMMON 26875P101 11 86 SH SOLE 86 0 0
East West Bancorp COMMON 27579R104 910 7,052 SH SOLE 7,052 0 0
Eastman Chemical Co. COMMON 277432100 0 2 SH SOLE 2 0 0
Eaton Corp. COMMON G29183103 859 2,015 SH SOLE 2,015 0 0
Edwards Lifesciences Corp COMMON 28176E108 28 312 SH SOLE 312 0 0
Electronic Arts Inc COMMON 285512109 8 40 SH SOLE 40 0 0
Element Fleet Management Corp COMMON 286181201 43 2,088 SH SOLE 0 0 2,088
Eli Lilly & Co. COMMON 532457108 4,384 3,655 SH SOLE 3,655 0 0
Emerson Electric Co. COMMON 291011104 2,406 16,811 SH SOLE 16,631 0 180
Enterprise Products Prtn LP COMMON 293792107 74 2,010 SH SOLE 2,010 0 0
Equifax Inc COMMON 294429105 59 373 SH SOLE 373 0 0
Equinix REIT REIT 29444U700 14 13 SH SOLE 13 0 0
Equity Residential Prop. REIT REIT 29476L107 162 2,380 SH SOLE 2,021 0 359
Essential utilities ord COMMON 29670G102 120 3,142 SH SOLE 3,142 0 0
Expeditors Int'l of Washington COMMON 302130109 8 47 SH SOLE 47 0 0
Exxon Mobil Corporation COMMON 30231G102 3,574 26,142 SH SOLE 25,995 0 147
Facebook Inc Class A COMMON 30303M102 176 312 SH SOLE 312 0 0
Fastenal Co COMMON 311900104 15 308 SH SOLE 308 0 0
Fedex Corporation COMMON 31428X106 1,056 3,372 SH SOLE 3,372 0 0
FedEx Inc. COMMON 314352105 226 1,496 SH SOLE 1,496 0 0
Fidelity MSCI Health Care Index ETF ETF 316092600 55 711 SH SOLE 0 0 711
Fidelity MSCI Utilities Index ETF ETF 316092865 36 613 SH SOLE 0 0 613
Fifth Third Bancorp ETF 316773100 210 3,732 SH SOLE 3,732 0 0
First Solar Inc ETF 336433107 2,504 10,610 SH SOLE 9,087 0 1,523
First Trust Capital Strength ETF ETF 33733E104 29 312 SH SOLE 312 0 0
First Trust Cloud Computing ETF ETF 33734X192 142 1,059 SH SOLE 1,059 0 0
First Trust India NIFTY ETF ETF 33737J802 18 329 SH SOLE 329 0 0
First Trust Managed Municipal ETF ETF 33739N108 115 2,233 SH SOLE 2,233 0 0
First Trust NASDAQ Cybersecurity ETF ETF 33734X846 154 1,710 SH SOLE 1,710 0 0
Fortinet Inc COMMON 34959E109 319 2,075 SH SOLE 2,075 0 0
GE Aerospace COMMON 369604301 2,522 6,747 SH SOLE 6,693 0 54
GE Healthcare COMMON 36266G107 28 434 SH SOLE 434 0 0
GE Vernova Inc. COMMON 36828A101 1,128 960 SH SOLE 947 0 13
Generac Holdings Inc COMMON 368736104 1,044 3,566 SH SOLE 3,530 0 36
General Dynamics Corp. COMMON 369550108 16 44 SH SOLE 44 0 0
General Mills, Inc. COMMON 370334104 22 644 SH SOLE 644 0 0
Genuine Parts Co COMMON 372460105 29 250 SH SOLE 250 0 0
Gilat Satellite Networks Ltd COMMON M51474118 52 3,904 SH SOLE 3,904 0 0
Gildan Activewear Inc. COMMON 375916103 4 69 SH SOLE 69 0 0
Gilead Sciences Inc COMMON 375558103 296 2,344 SH SOLE 2,344 0 0
Glaxo Smithkline ADR ADR 37733W204 86 1,641 SH SOLE 1,641 0 0
Global X S&P 500 Catholic Values ETF ETF 37954Y889 1,611 18,207 SH SOLE 18,207 0 0
Global X S&P Cthlc Vls Dvlpd ex-US ETF ETF 37954Y368 692 17,433 SH SOLE 17,433 0 0
Global X US Infrastructure Dev ETF ETF 37954Y673 32 537 SH SOLE 537 0 0
Goldman Sachs Group Inc COMMON 38141G104 360 356 SH SOLE 356 0 0
Goodyear Tire & Rubber COMMON 382550101 0 2 SH SOLE 2 0 0
Guggenheim ETF ETF 46137V233 6 105 SH SOLE 105 0 0
Guggenheim S&P Global Water Index ETF 46138E263 35 534 SH SOLE 0 0 534
Haleon ADR ADR 405552100 10 1,042 SH SOLE 1,042 0 0
Healthpeak Properties Inc COMMON 42250P103 17 800 SH SOLE 800 0 0
Hershey Foods Corp COMMON 427866108 147 837 SH SOLE 837 0 0
Hewlett Packard Ente COMMON 42824C109 230 5,092 SH SOLE 5,092 0 0
Home Depot COMMON 437076102 919 2,605 SH SOLE 2,605 0 0
Honeywell Aerospace Inc. COMMON 43849R105 1,599 7,233 SH SOLE 7,010 0 223
Honeywell International COMMON 438516106 1,638 7,315 SH SOLE 7,089 0 226
Hormel Foods Corp COMMON 440452100 16 640 SH SOLE 640 0 0
Howmet Aerospace Inc COMMON 443201108 81 303 SH SOLE 303 0 0
HP Inc COMMON 40434L105 120 5,462 SH SOLE 5,462 0 0
HSBC Holdings PLC ADR ADR 404280406 74 783 SH SOLE 783 0 0
Humana COMMON 444859102 390 982 SH SOLE 982 0 0
IBM Corp. COMMON 459200101 7,163 25,471 SH SOLE 24,475 0 996
Illinois Tool Works COMMON 452308109 240 889 SH SOLE 889 0 0
Imperial Oil Ltd COMMON 453038408 204 1,822 SH SOLE 1,822 0 0
Ingersoll Rand Inc COMMON 45687V106 37 454 SH SOLE 454 0 0
Ingredion Incorporated COMMON 457187102 92 974 SH SOLE 974 0 0
Inspire Corporate Bond ETF ETF 66538H633 549 23,092 SH SOLE 23,092 0 0
Insulet Corporation COMMON 45784P101 8 50 SH SOLE 50 0 0
Integer Holdings Corp COMMON 45826H109 328 3,508 SH SOLE 3,508 0 0
Intel Corp. COMMON 458140100 2,541 18,199 SH SOLE 17,808 0 391
Intercontinental Exchange, Inc. COMMON 45866F104 36 292 SH SOLE 292 0 0
Intuit COMMON 461202103 23 87 SH SOLE 87 0 0
Intuitive Surgical COMMON 46120E602 2,188 5,501 SH SOLE 5,262 0 239
Invesco Cleantech ETF ETF 46137V407 7 140 SH SOLE 140 0 0
Invesco Global Water ETF ETF 46138E651 79 1,764 SH SOLE 1,764 0 0
Invesco Large Cap Growth ETF ETF 46137V746 27 158 SH SOLE 158 0 0
Invesco Preferred ETF ETF 46138E511 0 25 SH SOLE 25 0 0
IQVIA Holdings Inc. COMMON 46266C105 2,984 15,442 SH SOLE 14,876 0 566
Iron Mountain Inc REIT REIT 46284V101 60 475 SH SOLE 0 0 475
iShares 0-5 Year Invmt Grade Corp Bd ETF ETF 46434V100 21 418 SH SOLE 418 0 0
Ishares 20 Yr Treas. Barclays ETF ETF 464287432 2 18 SH SOLE 18 0 0
iShares 5-10 Yr Corporate Bond ETF ETF 464288638 131 2,461 SH SOLE 2,461 0 0
iShares Barclays 1-3yr. Trs ETF ETF 464287457 19 226 SH SOLE 226 0 0
iShares Barclays 3-7 Treasury ETF ETF 464288661 43 365 SH SOLE 365 0 0
iShares Core Dividend Growth ETF ETF 46434V621 721 9,512 SH SOLE 9,512 0 0
Ishares Core High ETF ETF 46429B663 22 820 SH SOLE 820 0 0
iShares Core International Bond ETF ETF 46435G672 97 1,917 SH SOLE 1,917 0 0
iShares Core MSCI EAFE ETF ETF 46432F842 121 1,254 SH SOLE 890 0 364
iShares Core MSCI ETF ETF 46434G103 487 5,882 SH SOLE 4,186 0 1,696
iShares Core MSCI Total Intl Stk ETF ETF 46432F834 18 187 SH SOLE 187 0 0
iShares Core U.S. REIT ETF ETF 464288521 20 300 SH SOLE 300 0 0
iShares DJ Home Construction ETF ETF 464288752 51 485 SH SOLE 485 0 0
iShares Edge MSCI Min Vol EAFE ETF ETF 46429B689 32 362 SH SOLE 362 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 121 2,796 SH SOLE 2,796 0 0
iShares ESG Advanced MSCI EAFE Index ETF ETF 46436E759 66 782 SH SOLE 782 0 0
iShares ESG Advanced MSCI USA ETF ETF 46436E767 112 1,615 SH SOLE 1,615 0 0
iShares ESG Aware MSCI EAFE ETF ETF 46435G516 411 3,995 SH SOLE 3,995 0 0
iShares ESG Aware MSCI USA ETF ETF 46435G425 8 49 SH SOLE 49 0 0
iShares ESG Screened S&P 500 ETF ETF 46436E569 52 912 SH SOLE 912 0 0
iShares ESG Screened S&P Mid-Cap ETF ETF 46436E551 97 1,854 SH SOLE 1,854 0 0
iShares ESG Screened S&P Small-Cap ETF ETF 46436E544 24 458 SH SOLE 458 0 0
iShares Expanded Tech-Software Sect ETF ETF 464287515 230 2,540 SH SOLE 2,540 0 0
iShares Global Clean Energy ETF 464288224 7 336 SH SOLE 336 0 0
Ishares Gold ETF ETF 464285204 974 12,894 SH SOLE 11,328 0 1,566
iShares Lehman Agg Bond Fd ETF ETF 464287226 411 4,156 SH SOLE 4,156 0 0
iShares MBS ETF ETF 464288588 1 13 SH SOLE 13 0 0
iShares MSCI EAFE ETF ETF 464287465 266 2,560 SH SOLE 2,560 0 0
iShares MSCI EAFE Growth ETF ETF 464288885 134 1,074 SH SOLE 1,074 0 0
iShares MSCI Emerg Esg ETF ETF 46434G863 8 138 SH SOLE 138 0 0
iShares MSCI Emerg Mkts Min Vol Fctr ETF ETF 464286533 25 329 SH SOLE 329 0 0
iShares MSCI Emerging Market ETF ETF 464287234 99 1,453 SH SOLE 1,000 0 453
iShares MSCI Global Gold Miners ETF ETF 46434G855 83 1,289 SH SOLE 0 0 1,289
iShares MSCI KLD 400 Social ETF ETF 464288570 15 105 SH SOLE 105 0 0
iShares NASDAQ Biotech ETF ETF 464287556 397 2,087 SH SOLE 2,087 0 0
iShares Russell 1000 Growth ETF ETF 464287614 113 908 SH SOLE 908 0 0
iShares Russell 1000 Val ETF ETF 464287598 6,235 25,718 SH SOLE 25,718 0 0
iShares Russell 2000 Growth ETF ETF 464287648 488 1,239 SH SOLE 1,239 0 0
Ishares Russell 2000 Value ETF ETF 464287630 33 151 SH SOLE 151 0 0
iShares Russell Midcap Grth ETF ETF 464287481 92 628 SH SOLE 628 0 0
iShares S&P 500 Growth ETF ETF 464287309 2,564 18,644 SH SOLE 18,644 0 0
iShares S&P 500 Index ETF ETF 464287200 2,269 3,030 SH SOLE 3,009 0 21
iShares S&P 500 Value Indx ETF ETF 464287408 3,871 17,050 SH SOLE 17,050 0 0
iShares S&P Midcap 400 Index ETF ETF 464287507 337 4,370 SH SOLE 3,515 0 855
iShares S&P Mid-Cap Grow ETF ETF 464287606 47 396 SH SOLE 396 0 0
iShares S&P Sm Cap Idx 600 ETF ETF 464287804 263 1,773 SH SOLE 1,571 0 202
iShares Select Dividend Idx ETF ETF 464287168 176 1,127 SH SOLE 1,127 0 0
iShares TIPS Bond ETF ETF 464287176 748 6,833 SH SOLE 6,713 0 120
iShares Tr DJ U S Tech Sector ETF ETF 464287721 6 22 SH SOLE 22 0 0
Ishares Trust Russell 2000 Indx ETF ETF 464287655 2,347 7,811 SH SOLE 7,811 0 0
iShares US Aerospace & Defense ETF ETF 464288760 12 49 SH SOLE 49 0 0
Jacobs Engineering Group Inc COMMON 46982L108 38 303 SH SOLE 303 0 0
Johnson & Johnson COMMON 478160104 4,140 16,303 SH SOLE 16,303 0 0
JP Morgan Chase & Co COMMON 46625H100 5,842 17,847 SH SOLE 17,149 0 698
Kenvue Inc. COMMON 49177J102 49 2,540 SH SOLE 2,540 0 0
Kilroy Realty Corp REIT REIT 49427F108 154 4,098 SH SOLE 3,808 0 290
Kimberly-Clark Corp. COMMON 494368103 173 1,573 SH SOLE 1,573 0 0
KKR & Co LP COMMON 48251W104 17 180 SH SOLE 180 0 0
KLA-Tencor Corporation COMMON 482480100 225 747 SH SOLE 747 0 0
Knowles Corp COMMON 49926D109 59 1,430 SH SOLE 1,430 0 0
Kon Philips Electric NV COMMON 500472303 68 2,513 SH SOLE 2,513 0 0
Kyndryl Holdings, Inc COMMON 50155Q100 2 169 SH SOLE 169 0 0
Laboratory Corp of America Hlds COMMON 504922105 170 607 SH SOLE 471 0 136
Lam Research COMMON 512807108 13 31 SH SOLE 31 0 0
Lamb Weston Holdings Inc COMMON 513272104 6 133 SH SOLE 133 0 0
Linde plc COMMON G54950103 25 48 SH SOLE 48 0 0
Lockheed Martin COMMON 539830109 69 136 SH SOLE 136 0 0
Loews Corp COMMON 540424108 92 809 SH SOLE 809 0 0
Lowes Companies Inc. COMMON 548661107 276 1,254 SH SOLE 1,254 0 0
Lululemon Athletica Inc COMMON 550021109 11 100 SH SOLE 100 0 0
M K S Instruments Inc. COMMON 55306N104 2,639 5,933 SH SOLE 5,933 0 0
M&T Bank Corp COMMON 55261F104 956 4,018 SH SOLE 4,018 0 0
Marathon Petroleum Corp COMMON 56585A102 701 2,743 SH SOLE 2,743 0 0
Marriott Int'l Inc. Cl A COMMON 571903202 222 600 SH SOLE 600 0 0
Marsh & McLennan Co's COMMON 571748102 27 163 SH SOLE 163 0 0
Mastercard Inc COMMON 57636Q104 251 488 SH SOLE 488 0 0
McDonald's Corp COMMON 580135101 1,250 4,626 SH SOLE 4,626 0 0
McKesson Corp. COMMON 58155Q103 1,499 1,984 SH SOLE 1,731 0 253
Medtronic Inc. COMMON G5960L103 3,800 48,578 SH SOLE 46,152 0 2,426
Merck COMMON 58933Y105 7,208 56,094 SH SOLE 55,155 0 939
Metlife Inc. COMMON 59156R108 14 168 SH SOLE 168 0 0
Microchip Technology Inc. COMMON 595017104 182 2,000 SH SOLE 2,000 0 0
Microsoft COMMON 594918104 17,284 46,336 SH SOLE 44,831 0 1,505
Middlesex Water Co COMMON 596680108 17 300 SH SOLE 300 0 0
Mondelez Int'l Inc. COMMON 609207105 319 5,509 SH SOLE 5,509 0 0
Monster Beverage Corp COMMON 61174X109 21 216 SH SOLE 216 0 0
Morgan Stanley Dean Witter COMMON 617446448 204 975 SH SOLE 975 0 0
Motorola Solutions Inc COMMON 620076307 208 501 SH SOLE 501 0 0
Nasdaq, Inc. COMMON 631103108 6 71 SH SOLE 71 0 0
NCR Atleos Corp COMMON 63001N106 124 2,856 SH SOLE 2,856 0 0
NCR Voyix Corporation COMMON 62886E108 14 1,720 SH SOLE 1,720 0 0
NetEase Inc COMMON 64110W102 252 1,963 SH SOLE 1,963 0 0
Netflix Inc. COMMON 64110L106 104 1,454 SH SOLE 1,454 0 0
Nextera Energy COMMON 65339F101 575 6,549 SH SOLE 6,549 0 0
Nike, Inc. COMMON 654106103 12 304 SH SOLE 304 0 0
Nisource Inc. COMMON 65473P105 4,654 97,886 SH SOLE 94,058 0 3,828
Norfolk Southern COMMON 655844108 1,767 5,616 SH SOLE 5,616 0 0
Northrop Grumman Corp COMMON 666807102 54 107 SH SOLE 107 0 0
NortonLifeLock Inc COMMON 668771108 318 12,780 SH SOLE 12,780 0 0
Norwegian Cruise Line Holding Ltd COMMON G66721104 412 19,508 SH SOLE 13,854 0 5,654
Novartis Ag ADR ADR 66987V109 710 4,528 SH SOLE 4,528 0 0
Novo-Nordisk ADR ADR 670100205 240 5,000 SH SOLE 5,000 0 0
Nuveen AMT-Free Municipal Income Fund ETF 670657105 11 930 SH SOLE 930 0 0
Nuveen ESG Large-Cap Growth ETF ETF 67092P201 89 762 SH SOLE 762 0 0
Nuveen ESG Large-Cap Value ETF ETF 67092P300 77 1,531 SH SOLE 1,531 0 0
Nvidia Corp COMMON 67066G104 1,080 5,396 SH SOLE 5,396 0 0
Nxp Semiconductors COMMON N6596X109 17 59 SH SOLE 59 0 0
Occidental Pete Corp COMMON 674599162 0 2 SH SOLE 2 0 0
Occidental Petroleum Corp. COMMON 674599105 0 1 SH SOLE 1 0 0
Oneok Inc New COMMON 682680103 388 4,462 SH SOLE 4,462 0 0
Oracle COMMON 68389X105 218 1,486 SH SOLE 1,486 0 0
OTIS Worldwide Corp-Wi COMMON 68902V107 61 847 SH SOLE 712 0 135
P P G Industries Inc. COMMON 693506107 140 1,157 SH SOLE 1,157 0 0
Palo Alto Networks COMMON 697435105 14 42 SH SOLE 42 0 0
Parker Hannifin Corp COMMON 701094104 447 457 SH SOLE 457 0 0
Paypal Holdings COMMON 70450Y103 21 475 SH SOLE 275 0 200
Pepsico, Inc. COMMON 713448108 945 6,978 SH SOLE 6,978 0 0
Pfizer Inc. COMMON 717081103 852 35,388 SH SOLE 33,530 0 1,858
Philip Morris Intl Inc COMMON 718172109 82 452 SH SOLE 452 0 0
Phillips 66 SHS COMMON 718546104 403 2,384 SH SOLE 1,745 0 639
PIMCO Enhanced Low Duration Active ETF ETF 72201R718 18 190 SH SOLE 190 0 0
PIMCO Intermediate Muni Bond ETF ETF 72201R866 3,342 63,541 SH SOLE 61,951 0 1,590
PNC Financial Services Group Inc. COMMON 693475105 431 1,751 SH SOLE 1,751 0 0
PowerShares QQQ Trust Sr 1 ETF ETF 46090E103 251 340 SH SOLE 340 0 0
Procore Technologies, Inc. COMMON 74275K108 1,221 30,056 SH SOLE 28,631 0 1,425
Procter & Gamble COMMON 742718109 3,110 21,210 SH SOLE 21,080 0 130
Progressive Corp COMMON 743315103 226 1,033 SH SOLE 1,033 0 0
Prologis Reit REIT 74340W103 77 565 SH SOLE 565 0 0
Public Storage, Inc. COMMON 74460D109 108 339 SH SOLE 339 0 0
Public Sv Enterprise COMMON 744573106 252 3,108 SH SOLE 3,108 0 0
Qnity Electronics, Inc. COMMON 74743L100 130 797 SH SOLE 797 0 0
Qorvo Inc COMMON 74736K101 495 5,302 SH SOLE 5,062 0 240
Quanta Services Inc COMMON 74762E102 388 539 SH SOLE 539 0 0
Regeneron Pharmaceuticals Inc COMMON 75886F107 10 16 SH SOLE 16 0 0
Republic Services Inc COMMON 760759100 114 537 SH SOLE 537 0 0
Rockwell Automation COMMON 773903109 282 569 SH SOLE 569 0 0
Roper Industries Inc COMMON 776696106 1,715 5,069 SH SOLE 4,776 0 293
Ross Stores Inc COMMON 778296103 17 81 SH SOLE 81 0 0
Royal Caribbean Cruises COMMON V7780T103 1,206 3,798 SH SOLE 3,798 0 0
RTX Corporation COMMON 75513E101 454 2,392 SH SOLE 1,722 0 670
Rydex S&P 500 Eq Wgt ETF ETF 46137V357 50 236 SH SOLE 236 0 0
S & P Global Inc ETF 78409V104 83 204 SH SOLE 204 0 0
Salesforce Com COMMON 79466L302 82 523 SH SOLE 523 0 0
Samsara Inc. COMMON 79589L106 2,357 72,675 SH SOLE 68,786 0 3,889
Schlumberger Limited COMMON 806857108 3,735 80,338 SH SOLE 74,728 0 5,610
Schwab Int'l Equity ETF ETF 808524805 17,182 620,286 SH SOLE 617,890 0 2,396
Schwab Large Cap Value Indx ETF ETF 808524409 76 2,175 SH SOLE 2,175 0 0
Schwab Short-Term US Treasury ETF ETF 808524862 1 23 SH SOLE 23 0 0
Schwab U.S. Broad Market ETF ETF 808524102 203,744 7,035,343 SH SOLE 6,538,873 0 496,470
Schwab US Div Equity ETF ETF 808524797 37 1,161 SH SOLE 0 0 1,161
Schwab US Mid-Cap ETF ETF 808524508 2 54 SH SOLE 54 0 0
Schwab US Small-Cap ETF ETF 808524607 3 76 SH SOLE 76 0 0
Seagate Technology PLC ETF G7997R103 30,386 31,488 SH SOLE 29,794 0 1,694
Sector Spdr Fincl Select ETF 81369Y605 120 2,238 SH SOLE 2,238 0 0
Sector SPDR Health Fd Shares ETF 81369Y209 40 251 SH SOLE 251 0 0
Sector SPDR Tech Select Shares ETF 81369Y803 950 4,986 SH SOLE 4,986 0 0
Select Sector Industrial ETF ETF 81369Y704 24 129 SH SOLE 129 0 0
Sempra Energy COMMON 816851109 393 4,238 SH SOLE 4,238 0 0
ServiceNow Inc COMMON 81762P102 95 960 SH SOLE 960 0 0
Shell plc COMMON 780259305 212 2,728 SH SOLE 2,467 0 261
Shopify Inc COMMON 82509L107 13 114 SH SOLE 114 0 0
Skyworks Solutions Inc. COMMON 83088M102 115 1,697 SH SOLE 1,697 0 0
Solstice Advanced Materials, Inc. COMMON 83443Q103 34 379 SH SOLE 379 0 0
Solventum Corporation COMMON 83444M101 14 175 SH SOLE 175 0 0
Sonoco Products COMMON 835495102 38 669 SH SOLE 669 0 0
Sony Group Corp COMMON 835699307 1,112 55,410 SH SOLE 55,410 0 0
Southern Company COMMON 842587107 389 4,061 SH SOLE 3,204 0 857
SPDR Consumer Disc Select ETF ETF 81369Y407 32 272 SH SOLE 272 0 0
SPDR Gold Trust ETF ETF 78463V107 3,122 8,475 SH SOLE 8,475 0 0
SPDR Materials Select Sec. ETF ETF 81369Y100 37 732 SH SOLE 732 0 0
SPDR S&P 500 ETF ETF 78462F103 1,770 2,370 SH SOLE 2,370 0 0
SPDR S&P 500 Fossil Fl Fr ETF ETF 78468R796 1,544 25,264 SH SOLE 25,264 0 0
SPDR S&P 600 Small Cap ETF ETF 78464A300 13 115 SH SOLE 115 0 0
SPDR S&P Biotech ETF ETF 78464A870 129 818 SH SOLE 818 0 0
SPDR S&P Dividend ETF ETF 78464A763 205 1,345 SH SOLE 1,345 0 0
SPDR S&P Mid Cap 400 ETF ETF 78467Y107 1,171 1,665 SH SOLE 1,665 0 0
SPDR Utility Select Sec ETF ETF 81369Y886 14 300 SH SOLE 300 0 0
SPDR Portfolio Developed Wld ex-US ETF ETF 78463X889 26 510 SH SOLE 510 0 0
SPDR Portfolio S&P 500 Growth ETF ETF 78464A409 28 234 SH SOLE 234 0 0
SPDR Portfolio S&P 500 Value ETF ETF 78464A508 21 353 SH SOLE 353 0 0
SPDR S&P Semiconductor ETF ETF 78464A862 18 29 SH SOLE 29 0 0
Standex Int'l Corp. COMMON 854231107 179 500 SH SOLE 500 0 0
Stanley Black & Decker COMMON 854502101 38 400 SH SOLE 400 0 0
Starbucks COMMON 855244109 350 3,422 SH SOLE 3,422 0 0
State Street Corp. COMMON 857477103 590 3,480 SH SOLE 3,480 0 0
Steris Corp. COMMON G8473T100 244 1,157 SH SOLE 1,157 0 0
Stryker Corp. COMMON 863667101 46 145 SH SOLE 0 0 145
Suncor Energy Inc. COMMON 867224107 33 619 SH SOLE 619 0 0
Synchrony Financial COMMON 87165B103 232 3,052 SH SOLE 3,052 0 0
Sysco Corp. COMMON 871829107 90 1,076 SH SOLE 1,076 0 0
Taiwan Semiconductor ADR ADR 874039100 35,086 73,468 SH SOLE 69,953 0 3,515
Take Two Interactv Sftwr COMMON 874054109 19 75 SH SOLE 75 0 0
Tapestry Inc COMMON 876030107 59 400 SH SOLE 400 0 0
Target Corp. COMMON 87612E106 54 410 SH SOLE 410 0 0
Tesla Motors COMMON 88160R101 53 125 SH SOLE 125 0 0
Texas Instruments Inc. COMMON 882508104 495 1,660 SH SOLE 1,660 0 0
The Charles Schwab Corp. COMMON 808513105 11,329 122,781 SH SOLE 116,935 0 5,846
The Magnum Ice Cream Company N.V. COMMON N5505D105 3 156 SH SOLE 156 0 0
The Travelers Companies Inc. COMMON 89417E109 1,432 4,337 SH SOLE 4,337 0 0
Thermo Fisher Scientific COMMON 883556102 408 813 SH SOLE 813 0 0
Thomson Reuters Corp COMMON 884903808 66 808 SH SOLE 673 0 135
Thor Industries Inc COMMON 885160101 177 2,355 SH SOLE 2,355 0 0
TJX Companies Inc COMMON 872540109 724 4,779 SH SOLE 4,779 0 0
TKO Group Holdings Inc COMMON 87256C101 22 107 SH SOLE 107 0 0
Toronto-Dominion Bank COMMON 891160509 1,752 14,425 SH SOLE 12,407 0 2,018
Trane Technologies PLC COMMON G8994E103 755 1,537 SH SOLE 1,537 0 0
TransCanada Corp. COMMON 87807B107 75 1,130 SH SOLE 1,130 0 0
TransDigm Group Incorporated COMMON 893641100 20 15 SH SOLE 15 0 0
Tri Continental Corp COMMON 895436103 32 929 SH SOLE 929 0 0
Truist Finl Corp Com COMMON 89832Q109 18 356 SH SOLE 356 0 0
Trustmark Corp. COMMON 898402102 6,414 139,397 SH SOLE 139,397 0 0
U.S. Bancorp COMMON 902973304 63 1,050 SH SOLE 1,050 0 0
UBS Group AG COMMON H42097107 17 339 SH SOLE 339 0 0
UDR Inc COMMON 902653104 77 1,918 SH SOLE 1,918 0 0
Unilever PLC ADR ADR 904767803 514 8,544 SH SOLE 8,544 0 0
Union Bankshares Inc. Vt. COMMON 905400107 12 500 SH SOLE 500 0 0
Union Pacific COMMON 907818108 497 1,827 SH SOLE 1,827 0 0
United Parcel Service COMMON 911312106 0 1 SH SOLE 1 0 0
United Rentals Inc COMMON 911363109 53 47 SH SOLE 47 0 0
Unitedhealth Group Inc. COMMON 91324P102 250 601 SH SOLE 601 0 0
Unum Provident Corp. COMMON 91529Y106 311 3,480 SH SOLE 3,480 0 0
Valero Energy COMMON 91913Y100 3,713 14,256 SH SOLE 13,506 0 750
VanEck Fallen Angel HiYld Bd ETF ETF 92189F437 0 10 SH SOLE 10 0 0
Vaneck Vectors Gold Miners ETF ETF 92189F106 1,973 26,144 SH SOLE 26,144 0 0
Vangard Russell 2000 ETF ETF 92206C664 47 386 SH SOLE 386 0 0
Vanguard 500 ETF ETF 922908363 2,379 3,464 SH SOLE 242 0 3,222
Vanguard Communication Services ETF ETF 92204A884 31 166 SH SOLE 166 0 0
Vanguard Consumer Staples ETF ETF 92204A207 11 50 SH SOLE 50 0 0
Vanguard Corp Bond ETF ETF 92206C409 3 37 SH SOLE 37 0 0
Vanguard Developed Market ETF ETF 921943858 54,326 762,468 SH SOLE 675,397 0 87,071
Vanguard Div Appreciation ETF ETF 921908844 721 3,047 SH SOLE 2,287 0 760
Vanguard Emerging Market ETF ETF 922042858 30,192 505,810 SH SOLE 460,019 0 45,791
Vanguard Energy ETF ETF 92204A306 14 96 SH SOLE 96 0 0
Vanguard ESG International Stock ETF ETF 921910725 19,659 238,759 SH SOLE 198,798 0 39,961
Vanguard ESG US Corporate Bond ETF ETF 921910691 14,028 223,513 SH SOLE 223,513 0 0
Vanguard ESG US Stock ETF ETF 921910733 30,103 227,643 SH SOLE 186,248 0 41,395
Vanguard Financials ETF ETF 92204A405 106 808 SH SOLE 808 0 0
Vanguard FTSE All World ex US ETF ETF 922042775 21 251 SH SOLE 0 0 251
Vanguard Growth ETF ETF 922908736 2,464 28,602 SH SOLE 3,696 0 24,906
Vanguard Health Care ETF ETF 92204A504 344 1,149 SH SOLE 1,149 0 0
Vanguard High Dividend Yd ETF ETF 921946406 534 3,381 SH SOLE 3,243 0 138
Vanguard Info Technology ETF ETF 92204A702 208 1,744 SH SOLE 632 0 1,112
Vanguard Interm. Bond Idx ETF ETF 921937819 6 78 SH SOLE 78 0 0
Vanguard Intermediate Corporate ETF ETF 92206C870 54,632 661,001 SH SOLE 594,869 0 66,132
Vanguard Intermediate Treasury ETF ETF 92206C706 76,008 1,288,716 SH SOLE 1,164,486 0 124,230
Vanguard Mid Cap ETF ETF 922908629 73 912 SH SOLE 912 0 0
Vanguard Mid Cap Value ETF ETF 922908512 82 413 SH SOLE 413 0 0
Vanguard REIT ETF ETF 922908553 107 1,112 SH SOLE 1,112 0 0
Vanguard S&P Mid-Cap 400 ETF 921932844 172 1,504 SH SOLE 1,504 0 0
Vanguard S&P Mid-Cap 400 Growth ETF ETF 921932869 132 902 SH SOLE 902 0 0
Vanguard Short-Term Bond ETF ETF 921937827 47 600 SH SOLE 600 0 0
Vanguard Short-Term Tax-Exmpt Bd ETF ETF 921935870 410 4,049 SH SOLE 4,049 0 0
Vanguard Short-Term Treasury ETF ETF 92206C102 210 3,604 SH SOLE 3,604 0 0
Vanguard Sh-Tm Inflat- Prot ETF ETF 922020805 153 3,038 SH SOLE 3,038 0 0
Vanguard Small Cap ETF ETF 922908751 72 238 SH SOLE 238 0 0
Vanguard Small Cap Growth ETF ETF 922908595 99 270 SH SOLE 270 0 0
Vanguard Small Cap Value ETF ETF 922908611 3 13 SH SOLE 13 0 0
Vanguard Tax-Exempt Bond ETF ETF 922907746 12,350 244,169 SH SOLE 244,169 0 0
Vanguard Total International Stock ETF ETF 921909768 213 2,491 SH SOLE 2,491 0 0
Vanguard Total Int'l Bond Market ETF ETF 92203J407 267 5,505 SH SOLE 5,505 0 0
Vanguard Total Stk Mkt ETF ETF 922908769 5,320 14,376 SH SOLE 11,388 0 2,988
Vanguard Total U.S. Bond Market ETF ETF 921937835 439 5,983 SH SOLE 5,983 0 0
Vanguard Total World Stock ETF ETF 922042742 539 3,435 SH SOLE 3,435 0 0
Vanguard Value Index ETF ETF 922908744 384 1,760 SH SOLE 1,760 0 0
Ventas REIT Inc REIT 92276F100 147 1,661 SH SOLE 1,661 0 0
Verisk Analytics Inc Cla COMMON 92345Y106 90 500 SH SOLE 500 0 0
Verizon Communications Inc. COMMON 92343V104 991 23,414 SH SOLE 23,414 0 0
Versant Media Group, Inc. COMMON 925283103 7 205 SH SOLE 205 0 0
Vertex Pharmaceuticals COMMON 92532F100 265 534 SH SOLE 534 0 0
Viasat Inc COMMON 92552V100 151 1,681 SH SOLE 1,681 0 0
Viatris Inc COMMON 92556V106 2 96 SH SOLE 96 0 0
Visa Inc COMMON 92826C839 7,448 21,710 SH SOLE 20,827 0 883
Vital Farms, Inc. COMMON 92847W103 132 11,320 SH SOLE 11,200 0 120
W. P. Carey & Co. LLC COMMON 92936U109 129 1,810 SH SOLE 1,810 0 0
WABTec COMMON 929740108 0 1 SH SOLE 1 0 0
Wal-Mart Stores COMMON 931142103 2,310 20,396 SH SOLE 20,396 0 0
Walt Disney Hldg COMMON 254687106 1,016 10,556 SH SOLE 10,519 0 37
Warner Bros. Discovery, Inc. COMMON 934423104 8 292 SH SOLE 292 0 0
Washington REIT REIT 939653101 1 400 SH SOLE 400 0 0
Waste Management Inc COMMON 94106L109 2,744 12,310 SH SOLE 11,587 0 723
Waters Corp COMMON 941848103 147 392 SH SOLE 392 0 0
Watts Water Technologies COMMON 942749102 224 573 SH SOLE 70 0 503
WEC Energy Group COMMON 92939U106 427 3,659 SH SOLE 3,659 0 0
Wells Fargo & Co COMMON 949746101 168 2,035 SH SOLE 2,035 0 0
Welltower Inc REIT REIT 95040Q104 319 1,404 SH SOLE 1,404 0 0
Western Digital Corp. COMMON 958102105 10 15 SH SOLE 15 0 0
Weyerhaeuser Company COMMON 962166104 142 5,944 SH SOLE 5,184 0 760
Whirlpool COMMON 963320106 16 400 SH SOLE 400 0 0
WisdomTree Emerg Mk SmCap ETF ETF 97717W281 74 1,142 SH SOLE 1,086 0 56
Wisdomtree High Dividend ETF 97717W208 15 135 SH SOLE 135 0 0
WisdomTree India Earnings ETF ETF 97717W422 91 2,119 SH SOLE 2,119 0 0
Wisdomtree Japan SmCap Div ETF ETF 97717W836 65 620 SH SOLE 620 0 0
Wyndham Hotels & Resorts Inc COMMON 98311A105 38 452 SH SOLE 452 0 0
Xcel Energy Inc. COMMON 98389B100 117 1,459 SH SOLE 1,459 0 0
Xtrackers USD High Yield Corporate Bond ETF COMMON 233051432 0 8 SH SOLE 8 0 0
Xylem Inc COMMON 98419M100 2,531 21,415 SH SOLE 21,415 0 0
Yum China Hldgs Inc Com COMMON 98850P109 2,078 50,838 SH SOLE 47,005 0 3,833
Yum! Brands, Inc. COMMON 988498101 80 499 SH SOLE 499 0 0
Zimmer Biomet Holdings Inc. COMMON 98956P102 0 2 SH SOLE 2 0 0
Zoetis Inc COMMON 98978V103 149 2,079 SH SOLE 2,047 0 32