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 886 5,024 SH   SOLE   5,024 0 0
AT&T Corp. Common Stock 00206R102 9,115 233,244 SH   SOLE   233,244 0 0
AbbVie, Inc. Common Stock 00287Y109 217 2,453 SH   SOLE   2,453 0 0
Abbott Labs Common Stock 002824100 11,503 132,432 SH   SOLE   132,432 0 0
Accenture PLC - Cl.A Common Stock G1151C101 4,388 20,838 SH   SOLE   20,838 0 0
Adobe Systems Common Stock 00724F101 3,663 11,106 SH   SOLE   11,106 0 0
Alexanders, Inc. Common Stock 014752109 1,651 4,998 SH   SOLE   4,998 0 0
Alibaba Group Hldgs Limited RS Common Stock 01609W102 902 4,255 SH   SOLE   4,255 0 0
Align Technology Inc. Common Stock 016255101 405 1,450 SH   SOLE   1,450 0 0
Alleghany Corp. Common Stock 017175100 10,448 13,067 SH   SOLE   13,067 0 0
Allegion Plc Common Stock G0176J109 436 3,500 SH   SOLE   3,500 0 0
Alphabet Inc. Cl A Common Stock 02079K305 3,312 2,473 SH   SOLE   2,473 0 0
Alphabet Inc. Cl C Common Stock 02079K107 743 556 SH   SOLE   556 0 0
Amazon.Com Inc. Common Stock 023135106 3,845 2,081 SH   SOLE   2,081 0 0
AmeriSourceBergen Common Stock 03073E105 1,021 12,007 SH   SOLE   12,007 0 0
American Electric Power Inc Common Stock 025537101 1,100 11,635 SH   SOLE   11,635 0 0
American Express Co Common Stock 025816109 3,093 24,842 SH   SOLE   24,842 0 0
American Tower Corp. Common Stock 03027X100 2,486 10,817 SH   SOLE   10,817 0 0
Ansys Inc Common Stock 03662q105 418 1,625 SH   SOLE   1,625 0 0
Apple Inc. Common Stock 037833100 25,908 88,229 SH   SOLE   88,229 0 0
Applied Materials Common Stock 038222105 2,305 37,770 SH   SOLE   37,770 0 0
Arthur J. Gallagher & Co. Common Stock 363576109 359 3,770 SH   SOLE   3,770 0 0
Automatic Data Processing Common Stock 053015103 799 4,688 SH   SOLE   4,688 0 0
Bank of America Corp. Common Stock 060505104 3,305 93,853 SH   SOLE   93,853 0 0
Bank of New York Mellon Corp. Common Stock 064058100 4,587 91,144 SH   SOLE   91,144 0 0
Bank of Nova Scotia Common Stock 064149107 870 15,400 SH   SOLE   15,400 0 0
Becton Dickinson Common Stock 075887109 7,469 27,464 SH   SOLE   27,464 0 0
Berkshire Hathaway Cl. B Common Stock 084670702 15,785 69,691 SH   SOLE   69,691 0 0
Best Buy Inc Common Stock 086516101 235 2,675 SH   SOLE   2,675 0 0
Blackstone Group Inc. Common Stock 09260D107 603 10,780 SH   SOLE   10,780 0 0
Boeing Co. Common Stock 097023105 8,833 27,114 SH   SOLE   27,114 0 0
Booking Holdings Inc. Common Stock 09857L108 292 142 SH   SOLE   142 0 0
Bristol-Myers Squibb Co Common Stock 110122108 8,145 126,891 SH   SOLE   126,891 0 0
Broadridge Financial Solutions Common Stock 11133T103 334 2,700 SH   SOLE   2,700 0 0
Canada Goose Holdings, Inc. Common Stock 135086106 264 7,290 SH   SOLE   7,290 0 0
Capital One Financial Corp. Common Stock 14040H105 5,000 48,583 SH   SOLE   48,583 0 0
Carnival Cruise Common Stock 143658300 5,437 106,959 SH   SOLE   106,959 0 0
Celanese Corp Common Stock 150870103 6,609 53,681 SH   SOLE   53,681 0 0
Charles Schwab Corp. Common Stock 808513105 300 6,300 SH   SOLE   6,300 0 0
Chemed Corp Common Stock 16359R103 323 735 SH   SOLE   735 0 0
Cheniere Energy Inc. Common Stock 16411R208 278 4,545 SH   SOLE   4,545 0 0
Chevron Corp. Common Stock 166764100 3,822 31,718 SH   SOLE   31,718 0 0
Cigna Corp Common Stock 125509109 204 1,000 SH   SOLE   1,000 0 0
Cimarex Energy Common Stock 171798101 1,426 27,172 SH   SOLE   27,172 0 0
Cirrus Common Stock 172755100 272 3,300 SH   SOLE   3,300 0 0
Cisco Systems Inc. Common Stock 17275R102 3,505 73,077 SH   SOLE   73,077 0 0
Citigroup Common Stock 172967424 9,288 116,265 SH   SOLE   116,265 0 0
Coca-Cola Common Stock 191216100 2,776 50,161 SH   SOLE   50,161 0 0
Comcast Corporation Class A Common Stock 20030N101 9,528 211,881 SH   SOLE   211,881 0 0
Cummins Inc. Common Stock 231021106 216 1,208 SH   SOLE   1,208 0 0
Cytokinetics, Inc. Common Stock 23282W605 186 17,500 SH   SOLE   17,500 0 0
Diageo PLC Common Stock 25243Q205 7,954 47,226 SH   SOLE   47,226 0 0
Disney, Walt & Co. Common Stock 254687106 3,302 22,831 SH   SOLE   22,831 0 0
Eaton Corp. Common Stock G29183103 7,059 74,526 SH   SOLE   74,526 0 0
Emerson Electric Common Stock 291011104 240 3,150 SH   SOLE   3,150 0 0
Enterprise Products Partners L Common Stock 293792107 313 11,110 SH   SOLE   11,110 0 0
Exxon Mobil Corp. Common Stock 30231G102 3,425 49,082 SH   SOLE   49,082 0 0
Facebook, Inc. Common Stock 30303M102 2,487 12,119 SH   SOLE   12,119 0 0
FedEx Corporation Common Stock 31428X106 356 2,352 SH   SOLE   2,352 0 0
Gartner Inc. Common Stock 366651107 293 1,903 SH   SOLE   1,903 0 0
General Electric Common Stock 369604103 5,441 487,540 SH   SOLE   487,540 0 0
General Motors Common Stock 37045V100 6,857 187,355 SH   SOLE   187,355 0 0
Goldman Sachs Group Inc Common Stock 38141G104 384 1,670 SH   SOLE   1,670 0 0
Grupo Aeroportuario del Surest Common Stock 40051E202 281 1,500 SH   SOLE   1,500 0 0
Home Depot Common Stock 437076102 2,996 13,718 SH   SOLE   13,718 0 0
Honeywell Intl Common Stock 438516106 9,965 56,302 SH   SOLE   56,302 0 0
Hubbell, Inc. Common Stock 443510607 6,056 40,968 SH   SOLE   40,968 0 0
Humana Corp. Common Stock 444859102 709 1,935 SH   SOLE   1,935 0 0
Intel Corp Common Stock 458140100 8,949 149,530 SH   SOLE   149,530 0 0
International Business Machine Common Stock 459200101 959 7,155 SH   SOLE   7,155 0 0
Intuitive Surgical Inc. Common Stock 46120E602 445 752 SH   SOLE   752 0 0
JPMorgan Chase & Co. Common Stock 46625H100 5,411 38,818 SH   SOLE   38,818 0 0
Johnson & Johnson Common Stock 478160104 12,580 86,241 SH   SOLE   86,241 0 0
Kinder Morgan, Inc. (DE) Class Common Stock 49456B101 341 16,130 SH   SOLE   16,130 0 0
Levi Strauss & Co. Class A Common Stock 52736R102 270 14,000 SH   SOLE   14,000 0 0
Lockheed-Martin Common Stock 539830109 1,321 3,392 SH   SOLE   3,392 0 0
Manulife Financial Corp. Common Stock 56501R106 1,692 83,411 SH   SOLE   83,411 0 0
Masco Corp Common Stock 574599106 360 7,500 SH   SOLE   7,500 0 0
Mastercard Inc Common Stock 57636Q104 3,660 12,256 SH   SOLE   12,256 0 0
McDonalds Corp. Common Stock 580135101 3,607 18,251 SH   SOLE   18,251 0 0
McKesson HBOC Inc. Common Stock 58155Q103 4,103 29,661 SH   SOLE   29,661 0 0
Merck Common Stock 58933Y105 3,295 36,226 SH   SOLE   36,226 0 0
Microsoft Corp Common Stock 594918104 17,026 107,965 SH   SOLE   107,965 0 0
Morgan Stanley Common Stock 617446448 320 6,254 SH   SOLE   6,254 0 0
NVIDIA Corp. Common Stock 67066G104 1,908 8,108 SH   SOLE   8,108 0 0
Nextera Energy Inc Common Stock 65339F101 276 1,140 SH   SOLE   1,140 0 0
Nike Common Stock 654106103 3,556 35,104 SH   SOLE   35,104 0 0
Northrop Grumman Corp Common Stock 666807102 2,475 7,195 SH   SOLE   7,195 0 0
Oracle Corp. Common Stock 68389X105 7,751 146,301 SH   SOLE   146,301 0 0
Pfizer Inc. Common Stock 717081103 337 8,600 SH   SOLE   8,600 0 0
Proctor & Gamble Common Stock 742718109 3,746 29,991 SH   SOLE   29,991 0 0
Progressive Corp. Common Stock 743315103 8,132 112,334 SH   SOLE   112,334 0 0
Public Service Ent. Common Stock 744573106 341 5,771 SH   SOLE   5,771 0 0
Raytheon Common Stock 755111507 2,567 11,680 SH   SOLE   11,680 0 0
Royal Dutch Shell PLC - Class Common Stock 780259107 10,905 181,849 SH   SOLE   181,849 0 0
Royal Dutch Shell Plc Spons Ad Common Stock 780259206 2,011 34,098 SH   SOLE   34,098 0 0
S&P Global, Inc. Common Stock 78409V104 3,020 11,059 SH   SOLE   11,059 0 0
STORE Capital Corp. Common Stock 862121100 277 7,425 SH   SOLE   7,425 0 0
Schlumberger Common Stock 806857108 3,567 88,726 SH   SOLE   88,726 0 0
Starbucks Corp. Common Stock 855244109 2,945 33,502 SH   SOLE   33,502 0 0
Stryker Corp. Common Stock 863667101 3,713 17,687 SH   SOLE   17,687 0 0
T-Mobil US, Inc. Common Stock 872590104 1,742 22,220 SH   SOLE   22,220 0 0
TJX Co., Inc.(New) Common Stock 872540109 12,931 211,773 SH   SOLE   211,773 0 0
Tanger Factory Outlet Centers, Common Stock 875465106 3,258 221,157 SH   SOLE   221,157 0 0
TelUS Corp Common Stock 87971M103 2,185 56,418 SH   SOLE   56,418 0 0
Tenaris S.A. ADS Common Stock 88031M109 3,558 157,141 SH   SOLE   157,141 0 0
Teradyne Common Stock 880770102 251 3,675 SH   SOLE   3,675 0 0
Thermo Fisher Scientific Inc. Common Stock 883556102 546 1,682 SH   SOLE   1,682 0 0
Toro Co Common Stock 891092108 263 3,300 SH   SOLE   3,300 0 0
Total SA France Spons. ADR Common Stock 89151E109 1,585 28,659 SH   SOLE   28,659 0 0
Transocean Inc Common Stock H8817H100 1,842 267,681 SH   SOLE   267,681 0 0
U.S. Bancorp Common Stock 902973304 211 3,550 SH   SOLE   3,550 0 0
Ulta Salon Cosmetics& Fragranc Common Stock 90384S303 325 1,285 SH   SOLE   1,285 0 0
Unilever ADR Common Stock 904767704 10,323 180,568 SH   SOLE   180,568 0 0
Unilever NV Common Stock 904784709 766 13,325 SH   SOLE   13,325 0 0
Union Pacific Common Stock 907818108 435 2,405 SH   SOLE   2,405 0 0
United Parcel Service Inc. Cl Common Stock 911312106 1,816 15,510 SH   SOLE   15,510 0 0
United Technologies Common Stock 913017109 9,962 66,522 SH   SOLE   66,522 0 0
UnitedHealth Group Inc. Common Stock 91324P102 5,848 19,891 SH   SOLE   19,891 0 0
Verizon Communications Common Stock 92343V104 938 15,284 SH   SOLE   15,284 0 0
ViacomCBS Inc. Class B Common Stock 92556H206 2,947 70,209 SH   SOLE   70,209 0 0
Vornado REIT Common Stock 929042109 891 13,397 SH   SOLE   13,397 0 0
Wal Mart Stores Inc. Common Stock 931142103 13,573 114,213 SH   SOLE   114,213 0 0
Walgreens Boots Alliance, Inc. Common Stock 931427108 5,086 86,256 SH   SOLE   86,256 0 0
Wells Fargo & Co. Common Stock 949746101 4,077 75,789 SH   SOLE   75,789 0 0
WestRock Company Common Stock 96145D105 5,596 130,408 SH   SOLE   130,408 0 0
Xylem Inc Common Stock 98419M100 299 3,800 SH   SOLE   3,800 0 0
YETI Holdings, Inc. Common Stock 98585X104 356 10,240 SH   SOLE   10,240 0 0
Zebra Technologies Corp. Common Stock 989207105 415 1,625 SH   SOLE   1,625 0 0
Zoetis Inc. Common Stock 98978V103 2,296 17,350 SH   SOLE   17,350 0 0
Communication Services Select Index share 81369Y852 1,903 35,488 SH   SOLE   35,488 0 0
Consumer Discret Select Sector Index share 81369Y407 3,100 24,718 SH   SOLE   24,718 0 0
Consumer Staples Select Sector Index share 81369Y308 1,668 26,483 SH   SOLE   26,483 0 0
Energy Select Sector SPDR Index share 81369Y506 1,265 21,071 SH   SOLE   21,071 0 0
Financial Select Sector SPDR Index share 81369Y605 546 17,750 SH   SOLE   17,750 0 0
Health Care Select Sector Spdr Index share 81369Y209 3,966 38,933 SH   SOLE   38,933 0 0
Industrial Select Sector SPDR Index share 81369Y704 3,574 43,865 SH   SOLE   43,865 0 0
Ishares Russell 2000 Index share 464287655 2,042 12,326 SH   SOLE   12,326 0 0
Midcap SPDR Trust Ser 1 - S&P Index share 78467Y107 982 2,617 SH   SOLE   2,617 0 0
SPDR Gold Trust Index share 78463V107 249 1,740 SH   SOLE   1,740 0 0
SPDR S&P 500 Index share 78462F103 1,070 3,325 SH   SOLE   3,325 0 0
Technology Select Sector Index share 81369Y803 5,529 60,313 SH   SOLE   60,313 0 0
Utilities Select Sector Spdr Index share 81369Y886 201 3,110 SH   SOLE   3,110 0 0
Vanguard Financials ETF Index share 92204A405 4,187 54,885 SH   SOLE   54,885 0 0
Vanguard Small-Cap Growth ETF Index share 922908595 2,405 12,104 SH   SOLE   12,104 0 0
Vanguard Total Stock Market ET Index share 922908769 419 2,559 SH   SOLE   2,559 0 0
iShares Core S&P Mid-Cap ETF Index share 464287507 1,761 8,557 SH   SOLE   8,557 0 0
Vanguard FTSE Developed Market Index share 921943858 401 9,096 SH   SOLE   9,096 0 0
Vanguard FTSE Europe ETF Index share 922042874 1,361 23,217 SH   SOLE   23,217 0 0
iShares MSCI EAFE Index share 464287465 2,475 35,636 SH   SOLE   35,636 0 0
Vanguard FTSE Emerging Markets Index share 922042858 1,193 26,831 SH   SOLE   26,831 0 0
iShares MSCI Emerging Markets Index share 464287234 221 4,925 SH   SOLE   4,925 0 0
Franklin High Income Fund - A Funds 353538101 60 32,263 SH   SOLE   32,263 0 0
MS Inst. Fd Tr Ultra-Short Inc Funds 617455670 2,040 203,635 SH   SOLE   203,635 0 0
Vanguard Total International B Funds 92203J407 693 12,245 SH   SOLE   12,245 0 0
Ishares U S Pfd Etf U S Pfd St Index share 464288687 658 17,500 SH   SOLE   17,500 0 0
SPDR Bloomberg Barclays 1-3 Mt Index share 78468R663 2,269 24,815 SH   SOLE   24,815 0 0
Vanguard Interm- Corp Bnd Fund Index share 92206C870 1,191 13,040 SH   SOLE   13,040 0 0
Vanguard Short-Term Bond ETF Index share 921937827 204 2,536 SH   SOLE   2,536 0 0
Vanguard Short-Term Infl. Prot Index share 922020805 5,887 119,461 SH   SOLE   119,461 0 0
iShares Floating Rate Bond Index share 46429B655 7,291 143,195 SH   SOLE   143,195 0 0
iShares Iboxx $ Invst Grade Cr Index share 464287242 387 3,025 SH   SOLE   3,025 0 0
iShares Intermediate-Term Corp Index share 464288638 2,242 38,665 SH   SOLE   38,665 0 0
iShares Short-Term Corp. Bd ET Index share 464288646 2,798 52,170 SH   SOLE   52,170 0 0
Ishares Tr Real Estate Etf Index share 464287739 869 9,341 SH   SOLE   9,341 0 0
Vanguard REIT ETF Index share 922908553 636 6,855 SH   SOLE   6,855 0 0