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
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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. Common Stock 88579Y101 892 5,424 SH   SOLE   5,424 0 0
AT&T Corp. Common Stock 00206R102 9,367 247,554 SH   SOLE   247,554 0 0
AbbVie, Inc. Common Stock 00287Y109 205 2,703 SH   SOLE   2,703 0 0
Abbott Labs Common Stock 002824100 12,549 149,980 SH   SOLE   149,980 0 0
Accenture PLC - Cl.A Common Stock G1151C101 4,406 22,907 SH   SOLE   22,907 0 0
Adobe Systems Common Stock 00724F101 3,230 11,691 SH   SOLE   11,691 0 0
Alexanders, Inc. Common Stock 014752109 1,741 4,998 SH   SOLE   4,998 0 0
Alibaba Group Hldgs Limited RS Common Stock 01609W102 712 4,255 SH   SOLE   4,255 0 0
Align Technology Inc. Common Stock 016255101 285 1,575 SH   SOLE   1,575 0 0
Alleghany Corp. Common Stock 017175100 10,635 13,331 SH   SOLE   13,331 0 0
Allegion Plc Common Stock G0176J109 394 3,800 SH   SOLE   3,800 0 0
Alphabet Inc. Cl A Common Stock 02079K305 2,897 2,372 SH   SOLE   2,372 0 0
Alphabet Inc. Cl C Common Stock 02079K107 742 609 SH   SOLE   609 0 0
Amazon.Com Inc. Common Stock 023135106 3,821 2,201 SH   SOLE   2,201 0 0
AmeriSourceBergen Common Stock 03073E105 1,017 12,357 SH   SOLE   12,357 0 0
American Electric Power Inc Common Stock 025537101 1,850 19,750 SH   SOLE   19,750 0 0
American Express Co Common Stock 025816109 2,964 25,057 SH   SOLE   25,057 0 0
American Tower Corp. Common Stock 03027X100 2,606 11,785 SH   SOLE   11,785 0 0
Ansys Inc Common Stock 03662q105 393 1,775 SH   SOLE   1,775 0 0
Apple Inc. Common Stock 037833100 20,553 91,767 SH   SOLE   91,767 0 0
Applied Materials Common Stock 038222105 1,546 30,991 SH   SOLE   30,991 0 0
Arthur J. Gallagher & Co. Common Stock 363576109 369 4,120 SH   SOLE   4,120 0 0
Automatic Data Processing Common Stock 053015103 776 4,810 SH   SOLE   4,810 0 0
Bank of New York Mellon Corp. Common Stock 064058100 4,149 91,782 SH   SOLE   91,782 0 0
Bank of Nova Scotia Common Stock 064149107 5,942 104,529 SH   SOLE   104,529 0 0
Becton Dickinson Common Stock 075887109 6,849 27,077 SH   SOLE   27,077 0 0
Berkshire Hathaway Cl. B Common Stock 084670702 14,750 70,908 SH   SOLE   70,908 0 0
Blackstone Group Inc. Common Stock 09260D107 526 10,780 SH   SOLE   10,780 0 0
Boeing Co. Common Stock 097023105 9,383 24,661 SH   SOLE   24,661 0 0
Booking Holdings Inc. Common Stock 09857L108 279 142 SH   SOLE   142 0 0
Bristol-Myers Squibb Co Common Stock 110122108 6,362 125,458 SH   SOLE   125,458 0 0
Broadridge Financial Solutions Common Stock 11133T103 352 2,825 SH   SOLE   2,825 0 0
Canada Goose Holdings, Inc. Common Stock 135086106 338 7,690 SH   SOLE   7,690 0 0
Capital One Financial Corp. Common Stock 14040H105 4,481 49,258 SH   SOLE   49,258 0 0
Carnival Cruise Common Stock 143658300 4,885 111,764 SH   SOLE   111,764 0 0
Celanese Corp Common Stock 150870103 6,618 54,116 SH   SOLE   54,116 0 0
Charles Schwab Corp. Common Stock 808513105 301 7,200 SH   SOLE   7,200 0 0
Chemed Corp Common Stock 16359R103 330 790 SH   SOLE   790 0 0
Cheniere Energy Inc. Common Stock 16411R208 302 4,795 SH   SOLE   4,795 0 0
Chevron Corp. Common Stock 166764100 3,804 32,073 SH   SOLE   32,073 0 0
Cimarex Energy Common Stock 171798101 1,525 31,816 SH   SOLE   31,816 0 0
Cisco Systems Inc. Common Stock 17275R102 3,661 74,092 SH   SOLE   74,092 0 0
Citigroup Common Stock 172967424 8,371 121,175 SH   SOLE   121,175 0 0
Coca-Cola Common Stock 191216100 2,744 50,411 SH   SOLE   50,411 0 0
Comcast Corporation Class A Common Stock 20030N101 9,637 213,770 SH   SOLE   213,770 0 0
Cytokinetics, Inc. Common Stock 23282W605 211 18,500 SH   SOLE   18,500 0 0
Darden Restaurants, Inc. Common Stock 237194105 397 3,355 SH   SOLE   3,355 0 0
Diageo PLC Common Stock 25243Q205 8,531 52,168 SH   SOLE   52,168 0 0
Disney, Walt & Co. Common Stock 254687106 3,439 26,388 SH   SOLE   26,388 0 0
Eaton Corp. Common Stock G29183103 6,677 80,301 SH   SOLE   80,301 0 0
Emerson Electric Common Stock 291011104 227 3,400 SH   SOLE   3,400 0 0
Enterprise Products Partners L Common Stock 293792107 319 11,150 SH   SOLE   11,150 0 0
Etsy, Inc. Common Stock 29786A106 233 4,120 SH   SOLE   4,120 0 0
Exxon Mobil Corp. Common Stock 30231G102 3,873 54,857 SH   SOLE   54,857 0 0
Facebook, Inc. Common Stock 30303M102 2,270 12,749 SH   SOLE   12,749 0 0
FedEx Corporation Common Stock 31428X106 462 3,177 SH   SOLE   3,177 0 0
Gartner Inc. Common Stock 366651107 290 2,028 SH   SOLE   2,028 0 0
General Electric Common Stock 369604103 1,098 122,869 SH   SOLE   122,869 0 0
General Motors Common Stock 37045V100 7,405 197,578 SH   SOLE   197,578 0 0
Goldman Sachs Group Inc Common Stock 38141G104 346 1,670 SH   SOLE   1,670 0 0
Grupo Aeroportuario del Surest Common Stock 40051E202 229 1,500 SH   SOLE   1,500 0 0
Home Depot Common Stock 437076102 3,213 13,848 SH   SOLE   13,848 0 0
Honeywell Intl Common Stock 438516106 7,887 46,612 SH   SOLE   46,612 0 0
Hubbell, Inc. Common Stock 443510607 5,858 44,583 SH   SOLE   44,583 0 0
Humana Corp. Common Stock 444859102 508 1,985 SH   SOLE   1,985 0 0
Intel Corp Common Stock 458140100 8,182 158,787 SH   SOLE   158,787 0 0
International Business Machine Common Stock 459200101 1,102 7,580 SH   SOLE   7,580 0 0
Intuit Common Stock 461202103 2,217 8,335 SH   SOLE   8,335 0 0
Intuitive Surgical Inc. Common Stock 46120E602 1,975 3,658 SH   SOLE   3,658 0 0
JPMorgan Chase & Co. Common Stock 46625H100 4,721 40,118 SH   SOLE   40,118 0 0
Johnson & Johnson Common Stock 478160104 11,781 91,059 SH   SOLE   91,059 0 0
Kinder Morgan, Inc. (DE) Class Common Stock 49456B101 332 16,130 SH   SOLE   16,130 0 0
L3Harris Technologies, Inc. Common Stock 502431109 2,210 10,592 SH   SOLE   10,592 0 0
Levi Strauss & Co. Class A Common Stock 52736R102 282 14,800 SH   SOLE   14,800 0 0
Lockheed-Martin Common Stock 539830109 4,513 11,571 SH   SOLE   11,571 0 0
Manulife Financial Corp. Common Stock 56501R106 2,008 109,371 SH   SOLE   109,371 0 0
Masco Corp Common Stock 574599106 333 8,000 SH   SOLE   8,000 0 0
Mastercard Inc Common Stock 57636Q104 3,351 12,341 SH   SOLE   12,341 0 0
McDonalds Corp. Common Stock 580135101 3,955 18,421 SH   SOLE   18,421 0 0
McKesson HBOC Inc. Common Stock 58155Q103 4,357 31,882 SH   SOLE   31,882 0 0
Merck Common Stock 58933Y105 800 9,506 SH   SOLE   9,506 0 0
Microsoft Corp Common Stock 594918104 15,396 110,737 SH   SOLE   110,737 0 0
Morgan Stanley Common Stock 617446448 267 6,254 SH   SOLE   6,254 0 0
Nextera Energy Inc Common Stock 65339F101 266 1,140 SH   SOLE   1,140 0 0
Nike Common Stock 654106103 3,321 35,359 SH   SOLE   35,359 0 0
Northrop Grumman Corp Common Stock 666807102 2,732 7,290 SH   SOLE   7,290 0 0
Oracle Corp. Common Stock 68389X105 7,866 142,936 SH   SOLE   142,936 0 0
Paycom Software, Inc. Common Stock 70432V102 340 1,625 SH   SOLE   1,625 0 0
Pfizer Inc. Common Stock 717081103 314 8,751 SH   SOLE   8,751 0 0
Proctor & Gamble Common Stock 742718109 3,772 30,329 SH   SOLE   30,329 0 0
Progressive Corp. Common Stock 743315103 9,134 118,244 SH   SOLE   118,244 0 0
Public Service Ent. Common Stock 744573106 358 5,771 SH   SOLE   5,771 0 0
Raytheon Common Stock 755111507 2,578 13,140 SH   SOLE   13,140 0 0
Royal Dutch Shell PLC - Class Common Stock 780259107 10,852 181,172 SH   SOLE   181,172 0 0
Royal Dutch Shell Plc Spons Ad Common Stock 780259206 2,530 42,990 SH   SOLE   42,990 0 0
S&P Global, Inc. Common Stock 78409V104 2,742 11,194 SH   SOLE   11,194 0 0
STORE Capital Corp. Common Stock 862121100 300 8,025 SH   SOLE   8,025 0 0
Salesforce.com Common Stock 79466L302 1,887 12,710 SH   SOLE   12,710 0 0
Schlumberger Common Stock 806857108 2,146 62,791 SH   SOLE   62,791 0 0
Starbucks Corp. Common Stock 855244109 3,132 35,417 SH   SOLE   35,417 0 0
Stryker Corp. Common Stock 863667101 3,860 17,847 SH   SOLE   17,847 0 0
T-Mobil US, Inc. Common Stock 872590104 1,969 24,995 SH   SOLE   24,995 0 0
TJX Co., Inc.(New) Common Stock 872540109 12,001 215,304 SH   SOLE   215,304 0 0
Tanger Factory Outlet Centers, Common Stock 875465106 3,884 250,892 SH   SOLE   250,892 0 0
TelUS Corp Common Stock 87971M103 2,639 74,083 SH   SOLE   74,083 0 0
Tenaris S.A. ADS Common Stock 88031M109 3,817 180,200 SH   SOLE   180,200 0 0
Thermo Fisher Scientific Inc. Common Stock 883556102 500 1,717 SH   SOLE   1,717 0 0
Toro Co Common Stock 891092108 271 3,700 SH   SOLE   3,700 0 0
Total SA France Spons. ADR Common Stock 89151E109 2,247 43,214 SH   SOLE   43,214 0 0
Transocean Inc Common Stock H8817H100 1,373 307,082 SH   SOLE   307,082 0 0
Twilio, Inc. Class A Common Stock 90138F102 340 3,090 SH   SOLE   3,090 0 0
Ulta Salon Cosmetics& Fragranc Common Stock 90384S303 345 1,375 SH   SOLE   1,375 0 0
Unilever ADR Common Stock 904767704 11,486 191,123 SH   SOLE   191,123 0 0
Unilever NV Common Stock 904784709 801 13,350 SH   SOLE   13,350 0 0
Union Pacific Common Stock 907818108 390 2,405 SH   SOLE   2,405 0 0
United Parcel Service Inc. Cl Common Stock 911312106 2,279 19,020 SH   SOLE   19,020 0 0
United Technologies Common Stock 913017109 9,335 68,377 SH   SOLE   68,377 0 0
UnitedHealth Group Inc. Common Stock 91324P102 4,383 20,168 SH   SOLE   20,168 0 0
Veeva Systems Inc Class A Common Stock 922475108 372 2,435 SH   SOLE   2,435 0 0
Verizon Communications Common Stock 92343V104 1,092 18,096 SH   SOLE   18,096 0 0
Viacom Inc. - Cl. B Common Stock 92553P201 3,127 130,114 SH   SOLE   130,114 0 0
Vornado REIT Common Stock 929042109 873 13,707 SH   SOLE   13,707 0 0
Wal Mart Stores Inc. Common Stock 931142103 15,267 128,636 SH   SOLE   128,636 0 0
Walgreens Boots Alliance, Inc. Common Stock 931427108 5,197 93,961 SH   SOLE   93,961 0 0
Xylem Inc Common Stock 98419M100 326 4,100 SH   SOLE   4,100 0 0
YETI Holdings, Inc. Common Stock 98585X104 312 11,140 SH   SOLE   11,140 0 0
Zebra Technologies Corp. Common Stock 989207105 366 1,775 SH   SOLE   1,775 0 0
Zoetis Inc. Common Stock 98978V103 2,799 22,468 SH   SOLE   22,468 0 0
Communication Services Select Index share 81369Y852 1,746 35,263 SH   SOLE   35,263 0 0
Consumer Discret Select Sector Index share 81369Y407 2,961 24,529 SH   SOLE   24,529 0 0
Consumer Staples Select Sector Index share 81369Y308 1,625 26,461 SH   SOLE   26,461 0 0
Energy Select Sector SPDR Index share 81369Y506 1,169 19,750 SH   SOLE   19,750 0 0
Financial Select Sector SPDR Index share 81369Y605 581 20,750 SH   SOLE   20,750 0 0
Health Care Select Sector Spdr Index share 81369Y209 3,521 39,065 SH   SOLE   39,065 0 0
Industrial Select Sector SPDR Index share 81369Y704 3,390 43,672 SH   SOLE   43,672 0 0
Ishares Russell 2000 Index share 464287655 1,855 12,256 SH   SOLE   12,256 0 0
Midcap SPDR Trust Ser 1 - S&P Index share 78467Y107 922 2,617 SH   SOLE   2,617 0 0
SPDR Gold Trust Index share 78463V107 242 1,740 SH   SOLE   1,740 0 0
SPDR S&P 500 Index share 78462F103 1,087 3,663 SH   SOLE   3,663 0 0
Technology Select Sector Index share 81369Y803 4,886 60,677 SH   SOLE   60,677 0 0
Utilities Select Sector Spdr Index share 81369Y886 201 3,110 SH   SOLE   3,110 0 0
Vanguard Financials ETF Index share 92204A405 3,843 54,897 SH   SOLE   54,897 0 0
Vanguard Small-Cap Growth ETF Index share 922908595 2,203 12,099 SH   SOLE   12,099 0 0
Vanguard Total Stock Market ET Index share 922908769 365 2,414 SH   SOLE   2,414 0 0
iShares Core S&P Mid-Cap ETF Index share 464287507 1,645 8,512 SH   SOLE   8,512 0 0
Vanguard FTSE Developed Market Index share 921943858 374 9,096 SH   SOLE   9,096 0 0
Vanguard FTSE Europe ETF Index share 922042874 1,243 23,180 SH   SOLE   23,180 0 0
iShares MSCI EAFE Index share 464287465 2,320 35,577 SH   SOLE   35,577 0 0
Vanguard FTSE Emerging Markets Index share 922042858 1,070 26,585 SH   SOLE   26,585 0 0
iShares MSCI Emerging Markets Index share 464287234 252 6,175 SH   SOLE   6,175 0 0
Franklin High Income Fund - A Funds 353538101 59 32,263 SH   SOLE   32,263 0 0
MS Inst. Fd Tr Ultra-Short Inc Funds 617455670 1,378 137,514 SH   SOLE   137,514 0 0
Vanguard Total International B Funds 92203J407 720 12,245 SH   SOLE   12,245 0 0
Ishares U S Pfd Etf U S Pfd St Index share 464288687 507 13,500 SH   SOLE   13,500 0 0
SPDR Bloomberg Barclays 1-3 Mt Index share 78468R663 1,624 17,730 SH   SOLE   17,730 0 0
Vanguard Interm- Corp Bnd Fund Index share 92206C870 1,187 13,005 SH   SOLE   13,005 0 0
Vanguard Short-Term Bond ETF Index share 921937827 205 2,536 SH   SOLE   2,536 0 0
Vanguard Short-Term Infl. Prot Index share 922020805 5,744 117,101 SH   SOLE   117,101 0 0
iShares Floating Rate Bond Index share 46429B655 7,082 138,954 SH   SOLE   138,954 0 0
iShares Iboxx $ Invst Grade Cr Index share 464287242 386 3,025 SH   SOLE   3,025 0 0
iShares Intermediate-Term Corp Index share 464288638 2,244 38,741 SH   SOLE   38,741 0 0
iShares Short-Term Corp. Bd ET Index share 464288646 2,840 52,918 SH   SOLE   52,918 0 0
Ishares Tr Real Estate Etf Index share 464287739 867 9,266 SH   SOLE   9,266 0 0
Vanguard REIT ETF Index share 922908553 639 6,855 SH   SOLE   6,855 0 0