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 720 4,498 SH   SOLE   4,498 0 0
AT&T Corp. Common Stock 00206R102 7,077 248,239 SH   SOLE   248,239 0 0
AbbVie, Inc. Common Stock 00287Y109 232 2,654 SH   SOLE   2,654 0 0
Abbott Labs Common Stock 002824100 10,557 97,003 SH   SOLE   97,003 0 0
Accenture PLC - Cl.A Common Stock G1151C101 5,086 22,503 SH   SOLE   22,503 0 0
Activision Blizzard Inccom Common Stock 00507V109 2,563 31,663 SH   SOLE   31,663 0 0
Adobe Systems Common Stock 00724F101 4,774 9,734 SH   SOLE   9,734 0 0
Aflac Inc Common Stock 001055102 1,052 28,940 SH   SOLE   28,940 0 0
Air Products & Chemicals Common Stock 009158106 3,551 11,921 SH   SOLE   11,921 0 0
Alexanders, Inc. Common Stock 014752109 1,670 6,812 SH   SOLE   6,812 0 0
Alibaba Group Hldgs Limited RS Common Stock 01609W102 2,767 9,412 SH   SOLE   9,412 0 0
Align Technology Inc. Common Stock 016255101 409 1,250 SH   SOLE   1,250 0 0
Alleghany Corp. Common Stock 017175100 6,088 11,698 SH   SOLE   11,698 0 0
Alphabet Inc. Cl A Common Stock 02079K305 4,426 3,020 SH   SOLE   3,020 0 0
Alphabet Inc. Cl C Common Stock 02079K107 817 556 SH   SOLE   556 0 0
Amazon.Com Inc. Common Stock 023135106 7,796 2,476 SH   SOLE   2,476 0 0
AmeriSourceBergen Common Stock 03073E105 1,054 10,880 SH   SOLE   10,880 0 0
American Tower Corp. Common Stock 03027X100 2,385 9,865 SH   SOLE   9,865 0 0
Ansys Inc Common Stock 03662q105 384 1,175 SH   SOLE   1,175 0 0
Apple Inc. Common Stock 037833100 33,418 288,558 SH   SOLE   288,558 0 0
Applied Materials Common Stock 038222105 2,788 46,904 SH   SOLE   46,904 0 0
Arthur J. Gallagher & Co. Common Stock 363576109 345 3,270 SH   SOLE   3,270 0 0
Automatic Data Processing Common Stock 053015103 514 3,688 SH   SOLE   3,688 0 0
Bank of America Corp. Common Stock 060505104 3,318 137,723 SH   SOLE   137,723 0 0
Becton Dickinson Common Stock 075887109 4,434 19,057 SH   SOLE   19,057 0 0
Berkshire Hathaway Cl. B Common Stock 084670702 13,439 63,113 SH   SOLE   63,113 0 0
Best Buy Inc Common Stock 086516101 395 3,550 SH   SOLE   3,550 0 0
Blackstone Group Inc. Common Stock 09260D107 2,888 55,328 SH   SOLE   55,328 0 0
Boeing Co. Common Stock 097023105 313 1,893 SH   SOLE   1,893 0 0
Booking Holdings Inc. Common Stock 09857L108 243 142 SH   SOLE   142 0 0
Bristol-Myers Squibb Co Common Stock 110122108 10,019 166,172 SH   SOLE   166,172 0 0
CVS Health Corp. Common Stock 126650100 415 7,113 SH   SOLE   7,113 0 0
Canadian Pacific Common Stock 13645T100 2,112 6,937 SH   SOLE   6,937 0 0
Capital One Financial Corp. Common Stock 14040H105 3,081 42,871 SH   SOLE   42,871 0 0
Carnival Cruise Common Stock 143658300 1,470 96,815 SH   SOLE   96,815 0 0
Caterpillar Common Stock 149123101 209 1,402 SH   SOLE   1,402 0 0
Celanese Corp Common Stock 150870103 5,425 50,486 SH   SOLE   50,486 0 0
Charles Schwab Corp. Common Stock 808513105 225 6,200 SH   SOLE   6,200 0 0
Chemed Corp Common Stock 16359R103 305 635 SH   SOLE   635 0 0
Chevron Corp. Common Stock 166764100 266 3,689 SH   SOLE   3,689 0 0
Cisco Systems Inc. Common Stock 17275R102 814 20,672 SH   SOLE   20,672 0 0
Citigroup Common Stock 172967424 4,678 108,504 SH   SOLE   108,504 0 0
Coca-Cola Common Stock 191216100 2,495 50,538 SH   SOLE   50,538 0 0
Comcast Corporation Class A Common Stock 20030N101 6,895 149,044 SH   SOLE   149,044 0 0
Conversion Labs, Inc. Common Stock 21255M109 330 200,000 SH   SOLE   200,000 0 0
Cummins Inc. Common Stock 231021106 2,400 11,366 SH   SOLE   11,366 0 0
Cytokinetics, Inc. Common Stock 23282W605 379 17,500 SH   SOLE   17,500 0 0
Diageo PLC Common Stock 25243Q205 5,211 37,857 SH   SOLE   37,857 0 0
Disney, Walt & Co. Common Stock 254687106 8,975 72,336 SH   SOLE   72,336 0 0
Dollar General Common Stock 256677105 252 1,200 SH   SOLE   1,200 0 0
Dover Corp. Common Stock 260003108 4,650 42,920 SH   SOLE   42,920 0 0
Eaton Corp. Common Stock G29183103 6,846 67,101 SH   SOLE   67,101 0 0
Emerson Electric Common Stock 291011104 207 3,150 SH   SOLE   3,150 0 0
Equinix Inc Common Stock 29444U700 2,321 3,053 SH   SOLE   3,053 0 0
Exxon Mobil Corp. Common Stock 30231G102 1,188 34,596 SH   SOLE   34,596 0 0
Facebook, Inc. Common Stock 30303M102 2,695 10,291 SH   SOLE   10,291 0 0
Fastenal Co. Common Stock 311900104 1,827 40,521 SH   SOLE   40,521 0 0
FedEx Corporation Common Stock 31428X106 7,857 31,239 SH   SOLE   31,239 0 0
Gartner Inc. Common Stock 366651107 238 1,903 SH   SOLE   1,903 0 0
General Electric Common Stock 369604103 2,061 330,854 SH   SOLE   330,854 0 0
General Motors Common Stock 37045V100 4,725 159,699 SH   SOLE   159,699 0 0
Goldman Sachs Group Inc Common Stock 38141G104 285 1,420 SH   SOLE   1,420 0 0
Grainger, WW Inc. Common Stock 384802104 5,531 15,503 SH   SOLE   15,503 0 0
Home Depot Common Stock 437076102 3,986 14,352 SH   SOLE   14,352 0 0
Honeywell Intl Common Stock 438516106 5,138 31,214 SH   SOLE   31,214 0 0
Hubbell, Inc. Common Stock 443510607 4,637 33,886 SH   SOLE   33,886 0 0
Humana Corp. Common Stock 444859102 784 1,895 SH   SOLE   1,895 0 0
Intel Corp Common Stock 458140100 407 7,855 SH   SOLE   7,855 0 0
International Business Machine Common Stock 459200101 798 6,560 SH   SOLE   6,560 0 0
Intuitive Surgical Inc. Common Stock 46120E602 3,670 5,172 SH   SOLE   5,172 0 0
JPMorgan Chase & Co. Common Stock 46625H100 4,566 47,429 SH   SOLE   47,429 0 0
Johnson & Johnson Common Stock 478160104 11,286 75,804 SH   SOLE   75,804 0 0
Kinder Morgan, Inc. (DE) Class Common Stock 49456B101 383 31,045 SH   SOLE   31,045 0 0
Lockheed-Martin Common Stock 539830109 4,011 10,464 SH   SOLE   10,464 0 0
Lowes Companies Common Stock 548661107 6,942 41,852 SH   SOLE   41,852 0 0
Masco Corp Common Stock 574599106 331 6,000 SH   SOLE   6,000 0 0
Mastercard Inc Common Stock 57636Q104 3,903 11,542 SH   SOLE   11,542 0 0
McDonalds Corp. Common Stock 580135101 1,234 5,621 SH   SOLE   5,621 0 0
McKesson HBOC Inc. Common Stock 58155Q103 4,165 27,964 SH   SOLE   27,964 0 0
Merck Common Stock 58933Y105 8,082 97,434 SH   SOLE   97,434 0 0
Microsoft Corp Common Stock 594918104 19,055 90,597 SH   SOLE   90,597 0 0
Morgan Stanley Common Stock 617446448 7,386 152,757 SH   SOLE   152,757 0 0
NVIDIA Corp. Common Stock 67066G104 3,149 5,819 SH   SOLE   5,819 0 0
Netflix.Com Inc Common Stock 64110L106 2,528 5,055 SH   SOLE   5,055 0 0
Nextera Energy Inc Common Stock 65339F101 2,299 8,283 SH   SOLE   8,283 0 0
Nike Common Stock 654106103 4,130 32,901 SH   SOLE   32,901 0 0
Oracle Corp. Common Stock 68389X105 8,840 148,072 SH   SOLE   148,072 0 0
Pfizer Inc. Common Stock 717081103 374 10,190 SH   SOLE   10,190 0 0
Phillips 66 Common Stock 718546104 1,134 21,884 SH   SOLE   21,884 0 0
Proctor & Gamble Common Stock 742718109 4,410 31,731 SH   SOLE   31,731 0 0
Progressive Corp. Common Stock 743315103 7,573 79,991 SH   SOLE   79,991 0 0
Public Service Ent. Common Stock 744573106 372 6,771 SH   SOLE   6,771 0 0
Qualcomm, Inc Common Stock 747525103 3,887 33,031 SH   SOLE   33,031 0 0
Royal Dutch Shell PLC - Class Common Stock 780259107 3,786 156,314 SH   SOLE   156,314 0 0
Royal Dutch Shell Plc Spons Ad Common Stock 780259206 693 27,516 SH   SOLE   27,516 0 0
S&P Global, Inc. Common Stock 78409V104 1,302 3,611 SH   SOLE   3,611 0 0
Salesforce.com Common Stock 79466L302 3,381 13,453 SH   SOLE   13,453 0 0
Schlumberger Common Stock 806857108 872 56,020 SH   SOLE   56,020 0 0
Southwest Air Common Stock 844741108 5,823 155,269 SH   SOLE   155,269 0 0
Starbucks Corp. Common Stock 855244109 2,351 27,362 SH   SOLE   27,362 0 0
Sysco Corp. Common Stock 871829107 5,825 93,615 SH   SOLE   93,615 0 0
T-Mobil US, Inc. Common Stock 872590104 1,927 16,848 SH   SOLE   16,848 0 0
TJX Co., Inc.(New) Common Stock 872540109 9,201 165,331 SH   SOLE   165,331 0 0
Take-Two Interactive Software Common Stock 874054109 215 1,300 SH   SOLE   1,300 0 0
TelUS Corp Common Stock 87971M103 1,707 96,929 SH   SOLE   96,929 0 0
Teladoc Health, Inc. Common Stock 87918A105 481 2,195 SH   SOLE   2,195 0 0
Teradyne Common Stock 880770102 292 3,675 SH   SOLE   3,675 0 0
Tesla Motors Inc Com Usd0.001 Common Stock 88160R101 478 1,115 SH   SOLE   1,115 0 0
Thermo Fisher Scientific Inc. Common Stock 883556102 3,288 7,448 SH   SOLE   7,448 0 0
Toro Co Common Stock 891092108 277 3,300 SH   SOLE   3,300 0 0
Total SA France Spons. ADR Common Stock 89151E109 843 24,574 SH   SOLE   24,574 0 0
Unilever ADR Common Stock 904767704 4,244 68,799 SH   SOLE   68,799 0 0
Unilever NV Common Stock 904784709 720 11,915 SH   SOLE   11,915 0 0
Union Pacific Common Stock 907818108 588 2,985 SH   SOLE   2,985 0 0
United Parcel Service Inc. Cl Common Stock 911312106 4,358 26,156 SH   SOLE   26,156 0 0
UnitedHealth Group Inc. Common Stock 91324P102 9,380 30,086 SH   SOLE   30,086 0 0
Valero Energy Common Stock 91913Y100 1,497 34,567 SH   SOLE   34,567 0 0
Verizon Communications Common Stock 92343V104 980 16,474 SH   SOLE   16,474 0 0
Vertex Pharmaceuticals, Inc. Common Stock 92532F100 206 756 SH   SOLE   756 0 0
Vornado REIT Common Stock 929042109 627 18,594 SH   SOLE   18,594 0 0
Wal Mart Stores Inc. Common Stock 931142103 10,345 73,942 SH   SOLE   73,942 0 0
Walgreens Boots Alliance, Inc. Common Stock 931427108 2,905 80,874 SH   SOLE   80,874 0 0
Wells Fargo & Co. Common Stock 949746101 2,290 97,392 SH   SOLE   97,392 0 0
WestRock Company Common Stock 96145D105 5,016 144,376 SH   SOLE   144,376 0 0
YETI Holdings, Inc. Common Stock 98585X104 464 10,240 SH   SOLE   10,240 0 0
Zebra Technologies Corp. Common Stock 989207105 335 1,325 SH   SOLE   1,325 0 0
Zoetis Inc. Common Stock 98978V103 3,225 19,504 SH   SOLE   19,504 0 0
Communication Services Select Index share 81369Y852 2,429 40,896 SH   SOLE   40,896 0 0
Consumer Discret Select Sector Index share 81369Y407 3,776 25,693 SH   SOLE   25,693 0 0
Consumer Staples Select Sector Index share 81369Y308 1,831 28,559 SH   SOLE   28,559 0 0
Energy Select Sector SPDR Index share 81369Y506 376 12,550 SH   SOLE   12,550 0 0
Financial Select Sector SPDR Index share 81369Y605 350 14,550 SH   SOLE   14,550 0 0
Health Care Select Sector Spdr Index share 81369Y209 4,589 43,504 SH   SOLE   43,504 0 0
Industrial Select Sector SPDR Index share 81369Y704 2,991 38,856 SH   SOLE   38,856 0 0
Ishares Russell 2000 Index share 464287655 1,816 12,122 SH   SOLE   12,122 0 0
Materials Select Sector SPDR Index share 81369Y100 696 10,934 SH   SOLE   10,934 0 0
Midcap SPDR Trust Ser 1 - S&P Index share 78467Y107 887 2,617 SH   SOLE   2,617 0 0
SPDR S&P 500 Index share 78462F103 1,607 4,800 SH   SOLE   4,800 0 0
Technology Select Sector Index share 81369Y803 7,715 66,108 SH   SOLE   66,108 0 0
Vanguard Dividend Apprec. Inde Index share 921908844 202 1,570 SH   SOLE   1,570 0 0
Vanguard Financials ETF Index share 92204A405 3,504 59,904 SH   SOLE   59,904 0 0
Vanguard Small-Cap Growth ETF Index share 922908595 2,458 11,438 SH   SOLE   11,438 0 0
Vanguard Total Stock Market ET Index share 922908769 408 2,394 SH   SOLE   2,394 0 0
iShares Core S&P Mid-Cap ETF Index share 464287507 1,405 7,583 SH   SOLE   7,583 0 0
Vanguard FTSE Developed Market Index share 921943858 352 8,596 SH   SOLE   8,596 0 0
Vanguard FTSE Europe ETF Index share 922042874 1,158 22,092 SH   SOLE   22,092 0 0
iShares MSCI EAFE Index share 464287465 2,145 33,700 SH   SOLE   33,700 0 0
Vanguard FTSE Emerging Markets Index share 922042858 1,043 24,112 SH   SOLE   24,112 0 0
Primecap Odyssey Aggressive Gr Funds 74160Q202 737 15,435 SH   SOLE   15,435 0 0
Primecap Odyssey Growth Fund Funds 74160Q103 1,093 26,686 SH   SOLE   26,686 0 0
Franklin High Income Fund - A Funds 353538101 58 32,263 SH   SOLE   32,263 0 0
Vanguard GNMA Fund Funds 922031307 166 15,414 SH   SOLE   15,414 0 0
Barings Corporate Investors Index share 05617K109 217 17,360 SH   SOLE   17,360 0 0
Ishares U S Pfd Etf U S Pfd St Index share 464288687 656 18,000 SH   SOLE   18,000 0 0
SPDR Bloomberg Barclays 1-3 Mt Index share 78468R663 1,559 17,035 SH   SOLE   17,035 0 0
Vanguard Interm- Corp Bnd Fund Index share 92206C870 2,171 22,665 SH   SOLE   22,665 0 0
Vanguard Short-Term Bond ETF Index share 921937827 205 2,471 SH   SOLE   2,471 0 0
Vanguard Short-Term Infl. Prot Index share 922020805 5,512 108,044 SH   SOLE   108,044 0 0
iShares Floating Rate Bond Index share 46429B655 6,347 125,145 SH   SOLE   125,145 0 0
iShares Iboxx $ Invst Grade Cr Index share 464287242 407 3,025 SH   SOLE   3,025 0 0
iShares Intermediate-Term Corp Index share 464288638 3,727 61,291 SH   SOLE   61,291 0 0
iShares Short-Term Corp. Bd ET Index share 464288646 4,245 77,311 SH   SOLE   77,311 0 0
SPDR Gold Trust Index share 78463V107 352 1,990 SH   SOLE   1,990 0 0
Ishares Tr Real Estate Etf Index share 464287739 783 9,811 SH   SOLE   9,811 0 0
Vanguard REIT ETF Index share 922908553 541 6,855 SH   SOLE   6,855 0 0