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 7,654 38,532 SH   SOLE   38,532 0 0
AT&T Corp. Common Stock 00206R102 6,643 230,828 SH   SOLE   230,828 0 0
AbbVie, Inc. Common Stock 00287Y109 298 2,646 SH   SOLE   2,646 0 0
Abbott Labs Common Stock 002824100 10,724 92,506 SH   SOLE   92,506 0 0
Accenture PLC - Cl.A Common Stock G1151C101 6,910 23,440 SH   SOLE   23,440 0 0
Activision Blizzard Inccom Common Stock 00507V109 3,066 32,130 SH   SOLE   32,130 0 0
Adobe Systems Common Stock 00724F101 4,190 7,154 SH   SOLE   7,154 0 0
Aflac Inc Common Stock 001055102 1,429 26,630 SH   SOLE   26,630 0 0
Alexanders, Inc. Common Stock 014752109 1,772 6,614 SH   SOLE   6,614 0 0
Alibaba Group Hldgs Limited RS Common Stock 01609W102 226 995 SH   SOLE   995 0 0
Align Technology Inc. Common Stock 016255101 496 812 SH   SOLE   812 0 0
Alleghany Corp. Common Stock 017175100 7,805 11,701 SH   SOLE   11,701 0 0
Allegion Plc Common Stock G0176J109 252 1,810 SH   SOLE   1,810 0 0
Alphabet Inc. Cl A Common Stock 02079K305 7,555 3,094 SH   SOLE   3,094 0 0
Alphabet Inc. Cl C Common Stock 02079K107 1,258 502 SH   SOLE   502 0 0
Amazon.Com Inc. Common Stock 023135106 8,473 2,463 SH   SOLE   2,463 0 0
AmeriSourceBergen Common Stock 03073E105 1,122 9,799 SH   SOLE   9,799 0 0
American Express Co Common Stock 025816109 297 1,797 SH   SOLE   1,797 0 0
Ansys Inc Common Stock 03662q105 408 1,177 SH   SOLE   1,177 0 0
Apple Inc. Common Stock 037833100 37,126 271,072 SH   SOLE   271,072 0 0
Applied Materials Common Stock 038222105 4,891 34,350 SH   SOLE   34,350 0 0
Arthur J. Gallagher & Co. Common Stock 363576109 458 3,270 SH   SOLE   3,270 0 0
Automatic Data Processing Common Stock 053015103 729 3,671 SH   SOLE   3,671 0 0
Autozone Inc Common Stock 053332102 2,543 1,704 SH   SOLE   1,704 0 0
Bank of America Corp. Common Stock 060505104 4,986 120,941 SH   SOLE   120,941 0 0
Becton Dickinson Common Stock 075887109 325 1,338 SH   SOLE   1,338 0 0
Berkshire Hathaway Cl. B Common Stock 084670702 16,448 59,182 SH   SOLE   59,182 0 0
Best Buy Inc Common Stock 086516101 409 3,560 SH   SOLE   3,560 0 0
Blackrock Inc. Common Stock 09247X101 2,860 3,269 SH   SOLE   3,269 0 0
Blackstone Group Inc. Common Stock 09260D107 4,136 42,574 SH   SOLE   42,574 0 0
Boeing Co. Common Stock 097023105 397 1,656 SH   SOLE   1,656 0 0
Bristol-Myers Squibb Co Common Stock 110122108 7,461 111,663 SH   SOLE   111,663 0 0
CVS Health Corp. Common Stock 126650100 691 8,284 SH   SOLE   8,284 0 0
Canadian Pacific Common Stock 13645T100 3,369 43,801 SH   SOLE   43,801 0 0
Capital One Financial Corp. Common Stock 14040H105 6,413 41,459 SH   SOLE   41,459 0 0
Caterpillar Common Stock 149123101 246 1,130 SH   SOLE   1,130 0 0
Celanese Corp Common Stock 150870103 6,031 39,781 SH   SOLE   39,781 0 0
Charles River Lab Intl Inc Common Stock 159864107 590 1,595 SH   SOLE   1,595 0 0
Charles Schwab Corp. Common Stock 808513105 228 3,134 SH   SOLE   3,134 0 0
Chemed Corp Common Stock 16359R103 301 635 SH   SOLE   635 0 0
Chevron Corp. Common Stock 166764100 683 6,525 SH   SOLE   6,525 0 0
Cigna Corp Common Stock 125523100 239 1,007 SH   SOLE   1,007 0 0
Cisco Systems Inc. Common Stock 17275R102 1,086 20,488 SH   SOLE   20,488 0 0
Coca-Cola Common Stock 191216100 3,910 72,261 SH   SOLE   72,261 0 0
Comcast Corporation Class A Common Stock 20030N101 9,152 160,509 SH   SOLE   160,509 0 0
Costco Wholesale Corp Common Stock 22160K105 220 555 SH   SOLE   555 0 0
Cummins Inc. Common Stock 231021106 3,413 13,999 SH   SOLE   13,999 0 0
Deere & Co Common Stock 244199105 3,541 10,040 SH   SOLE   10,040 0 0
Diageo PLC Common Stock 25243Q205 4,639 24,202 SH   SOLE   24,202 0 0
Disney, Walt & Co. Common Stock 254687106 9,880 56,209 SH   SOLE   56,209 0 0
Dover Corp. Common Stock 260003108 6,191 41,109 SH   SOLE   41,109 0 0
Eaton Corp. Common Stock G29183103 242 1,635 SH   SOLE   1,635 0 0
Emerson Electric Common Stock 291011104 252 2,614 SH   SOLE   2,614 0 0
Estee Lauder Cos Inc Class A Common Stock 518439104 207 650 SH   SOLE   650 0 0
Exxon Mobil Corp. Common Stock 30231G102 1,899 30,099 SH   SOLE   30,099 0 0
Facebook, Inc. Common Stock 30303M102 3,667 10,546 SH   SOLE   10,546 0 0
FedEx Corporation Common Stock 31428X106 8,959 30,029 SH   SOLE   30,029 0 0
Gartner Inc. Common Stock 366651107 443 1,830 SH   SOLE   1,830 0 0
Generac Hldgs Inc Comusd0.01 Common Stock 368736104 419 1,010 SH   SOLE   1,010 0 0
General Electric Common Stock 369604103 4,325 321,311 SH   SOLE   321,311 0 0
General Motors Common Stock 37045V100 9,730 164,440 SH   SOLE   164,440 0 0
Goldman Sachs Group Inc Common Stock 38141G104 503 1,326 SH   SOLE   1,326 0 0
Grainger, WW Inc. Common Stock 384802104 6,236 14,238 SH   SOLE   14,238 0 0
Henry Schein, Inc. Common Stock 806407102 4,223 56,915 SH   SOLE   56,915 0 0
Home Depot Common Stock 437076102 4,043 12,679 SH   SOLE   12,679 0 0
Honeywell Intl Common Stock 438516106 6,527 29,756 SH   SOLE   29,756 0 0
Hubbell, Inc. Common Stock 443510607 1,612 8,627 SH   SOLE   8,627 0 0
Humana Corp. Common Stock 444859102 829 1,873 SH   SOLE   1,873 0 0
International Business Machine Common Stock 459200101 854 5,829 SH   SOLE   5,829 0 0
Intuitive Surgical Inc. Common Stock 46120E602 2,890 3,143 SH   SOLE   3,143 0 0
JPMorgan Chase & Co. Common Stock 46625H100 6,535 42,012 SH   SOLE   42,012 0 0
Johnson & Johnson Common Stock 478160104 11,892 72,187 SH   SOLE   72,187 0 0
Kinder Morgan, Inc. (DE) Class Common Stock 49456B101 3,785 207,630 SH   SOLE   207,630 0 0
Life Storage, Inc. Common Stock 53223X107 282 2,630 SH   SOLE   2,630 0 0
LifeMD Inc. Common Stock 53216B104 321 27,255 SH   SOLE   27,255 0 0
Linde PLC Common Stock G5494J103 3,689 12,762 SH   SOLE   12,762 0 0
Lockheed-Martin Common Stock 539830109 631 1,669 SH   SOLE   1,669 0 0
Lowes Companies Common Stock 548661107 7,794 40,184 SH   SOLE   40,184 0 0
Masco Corp Common Stock 574599106 354 6,010 SH   SOLE   6,010 0 0
Mastercard Inc Common Stock 57636Q104 2,632 7,209 SH   SOLE   7,209 0 0
McDonalds Corp. Common Stock 580135101 1,164 5,041 SH   SOLE   5,041 0 0
McKesson HBOC Inc. Common Stock 58155Q103 5,020 26,251 SH   SOLE   26,251 0 0
Merck Common Stock 58933Y105 5,486 70,543 SH   SOLE   70,543 0 0
Microsoft Corp Common Stock 594918104 24,313 89,749 SH   SOLE   89,749 0 0
Molson Coors Brewing Co. - B Common Stock 60871R209 6,674 124,297 SH   SOLE   124,297 0 0
Morgan Stanley Common Stock 617446448 15,094 164,625 SH   SOLE   164,625 0 0
NVIDIA Corp. Common Stock 67066G104 4,709 5,885 SH   SOLE   5,885 0 0
Netflix.Com Inc Common Stock 64110L106 2,758 5,222 SH   SOLE   5,222 0 0
Newmont Mining Corp Common Stock 651639106 9,826 155,030 SH   SOLE   155,030 0 0
Nextera Energy Inc Common Stock 65339F101 4,478 61,104 SH   SOLE   61,104 0 0
Nike Common Stock 654106103 3,144 20,352 SH   SOLE   20,352 0 0
Oracle Corp. Common Stock 68389X105 18,271 234,730 SH   SOLE   234,730 0 0
Organon & Co. Common Stock 68622V106 210 6,947 SH   SOLE   6,947 0 0
Parker Hannifin Corp. Common Stock 701094104 2,400 7,816 SH   SOLE   7,816 0 0
Paypal Hldgs Inc Com Common Stock 70450Y103 2,805 9,623 SH   SOLE   9,623 0 0
Peoples Trust Co. St Albans, V Common Stock 712685106 201 2,805 SH   SOLE   2,805 0 0
Pfizer Inc. Common Stock 717081103 343 8,750 SH   SOLE   8,750 0 0
Phillips 66 Common Stock 718546104 865 10,074 SH   SOLE   10,074 0 0
Pinnacle Financial Partners, I Common Stock 72346Q104 289 3,275 SH   SOLE   3,275 0 0
Proctor & Gamble Common Stock 742718109 9,247 68,535 SH   SOLE   68,535 0 0
Progressive Corp. Common Stock 743315103 7,345 74,789 SH   SOLE   74,789 0 0
Public Service Ent. Common Stock 744573106 396 6,629 SH   SOLE   6,629 0 0
Public Storage Common Stock 74460D109 2,570 8,546 SH   SOLE   8,546 0 0
Qualcomm, Inc Common Stock 747525103 4,117 28,801 SH   SOLE   28,801 0 0
Quanta Services Inc Common Stock 74762E102 4,245 46,872 SH   SOLE   46,872 0 0
Restoration Hardware Holdings, Common Stock 74967X103 533 785 SH   SOLE   785 0 0
Royal Dutch Shell PLC - Class Common Stock 780259107 5,058 130,254 SH   SOLE   130,254 0 0
Royal Dutch Shell Plc Spons Ad Common Stock 780259206 815 20,176 SH   SOLE   20,176 0 0
Sam Adams Common Stock 100557107 303 297 SH   SOLE   297 0 0
Schlumberger Common Stock 806857108 4,371 136,540 SH   SOLE   136,540 0 0
Siemens AG Spons. ADR Common Stock 826197501 7,109 89,268 SH   SOLE   89,268 0 0
Sonic Automotive Inc Common Stock 83545G102 282 6,300 SH   SOLE   6,300 0 0
Starbucks Corp. Common Stock 855244109 3,160 28,266 SH   SOLE   28,266 0 0
State Street Boston Corp. Common Stock 857477103 6,481 78,762 SH   SOLE   78,762 0 0
T-Mobil US, Inc. Common Stock 872590104 2,515 17,362 SH   SOLE   17,362 0 0
TJX Co., Inc.(New) Common Stock 872540109 6,662 98,818 SH   SOLE   98,818 0 0
Take-Two Interactive Software Common Stock 874054109 231 1,303 SH   SOLE   1,303 0 0
TelUS Corp Common Stock 87971M103 1,451 64,704 SH   SOLE   64,704 0 0
Teradyne Common Stock 880770102 492 3,675 SH   SOLE   3,675 0 0
Tesla Motors Inc Com Usd0.001 Common Stock 88160R101 2,467 3,630 SH   SOLE   3,630 0 0
Thermo Fisher Scientific Inc. Common Stock 883556102 3,846 7,623 SH   SOLE   7,623 0 0
TopBuild Corp. Common Stock 89055F103 319 1,615 SH   SOLE   1,615 0 0
Toro Co Common Stock 891092108 363 3,300 SH   SOLE   3,300 0 0
TotalEnergies SE ADR Common Stock 89151E109 1,499 33,121 SH   SOLE   33,121 0 0
Unilever ADR Common Stock 904767704 4,493 76,797 SH   SOLE   76,797 0 0
Union Pacific Common Stock 907818108 331 1,504 SH   SOLE   1,504 0 0
Unit Corp. Common Stock 909218406 615 36,498 SH   SOLE   36,498 0 0
United Parcel Service Inc. Cl Common Stock 911312106 5,622 27,034 SH   SOLE   27,034 0 0
UnitedHealth Group Inc. Common Stock 91324P102 11,569 28,890 SH   SOLE   28,890 0 0
Valero Energy Common Stock 91913Y100 977 12,508 SH   SOLE   12,508 0 0
Verizon Communications Common Stock 92343V104 752 13,424 SH   SOLE   13,424 0 0
Vornado REIT Common Stock 929042109 864 18,519 SH   SOLE   18,519 0 0
Wal Mart Stores Inc. Common Stock 931142103 6,504 46,121 SH   SOLE   46,121 0 0
Walgreens Boots Alliance, Inc. Common Stock 931427108 3,804 72,303 SH   SOLE   72,303 0 0
Wells Fargo & Co. Common Stock 949746101 6,837 150,970 SH   SOLE   150,970 0 0
WestRock Company Common Stock 96145D105 6,180 116,119 SH   SOLE   116,119 0 0
Xylem Inc Common Stock 98419M100 268 2,230 SH   SOLE   2,230 0 0
YETI Holdings, Inc. Common Stock 98585X104 499 5,430 SH   SOLE   5,430 0 0
Zebra Technologies Corp. Common Stock 989207105 501 947 SH   SOLE   947 0 0
Zoetis Inc. Common Stock 98978V103 3,319 17,809 SH   SOLE   17,809 0 0
Communication Services Select Index share 81369Y852 3,938 48,641 SH   SOLE   48,641 0 0
Consumer Discret Select Sector Index share 81369Y407 4,233 23,708 SH   SOLE   23,708 0 0
Consumer Staples Select Sector Index share 81369Y308 1,684 24,066 SH   SOLE   24,066 0 0
Energy Select Sector SPDR Index share 81369Y506 902 16,752 SH   SOLE   16,752 0 0
Financial Select Sector SPDR Index share 81369Y605 460 12,550 SH   SOLE   12,550 0 0
Health Care Select Sector Spdr Index share 81369Y209 5,797 46,023 SH   SOLE   46,023 0 0
IShares Core S&P 500 ETF Index share 464287200 231 538 SH   SOLE   538 0 0
Industrial Select Sector SPDR Index share 81369Y704 3,784 36,950 SH   SOLE   36,950 0 0
Ishares Russell 2000 Index share 464287655 2,866 12,494 SH   SOLE   12,494 0 0
Materials Select Sector SPDR Index share 81369Y100 1,352 16,430 SH   SOLE   16,430 0 0
Midcap SPDR Trust Ser 1 - S&P Index share 78467Y107 1,248 2,542 SH   SOLE   2,542 0 0
SPDR S&P 500 Index share 78462F103 2,069 4,833 SH   SOLE   4,833 0 0
Technology Select Sector Index share 81369Y803 10,064 68,160 SH   SOLE   68,160 0 0
Vanguard Dividend Apprec. Inde Index share 921908844 200 1,295 SH   SOLE   1,295 0 0
Vanguard Financials ETF Index share 92204A405 5,541 61,259 SH   SOLE   61,259 0 0
Vanguard Small-Cap Growth ETF Index share 922908595 2,813 9,708 SH   SOLE   9,708 0 0
Vanguard Total Stock Market ET Index share 922908769 526 2,362 SH   SOLE   2,362 0 0
iShares Core S&P Mid-Cap ETF Index share 464287507 1,873 6,971 SH   SOLE   6,971 0 0
Vanguard FTSE Developed Market Index share 921943858 586 11,376 SH   SOLE   11,376 0 0
Vanguard FTSE Europe ETF Index share 922042874 1,431 21,276 SH   SOLE   21,276 0 0
iShares MSCI EAFE Index share 464287465 2,740 34,742 SH   SOLE   34,742 0 0
Vanguard FTSE Emerging Markets Index share 922042858 2,221 40,892 SH   SOLE   40,892 0 0
iShares MSCI Emerging Markets Index share 464287234 244 4,425 SH   SOLE   4,425 0 0
American Growth Fund of Americ Funds 399874106 252 3,368 SH   SOLE   3,368 0 0
Primecap Odyssey Aggressive Gr Funds 74160Q202 398 6,657 SH   SOLE   6,657 0 0
Primecap Odyssey Growth Fund Funds 74160Q103 500 10,075 SH   SOLE   10,075 0 0
Vanguard S&P Small Cap 600 Gro Funds 921932794 229 1,000 SH   SOLE   1,000 0 0
Vanguard S&P Small Cap Value Funds 921932778 210 1,150 SH   SOLE   1,150 0 0
BNY Mellon Municipal Opportuni Funds 05569M483 237 16,764 SH   SOLE   16,764 0 0
BNY Mellon Natl. Short Term Mu Funds 05569M723 218 16,842 SH   SOLE   16,842 0 0
Franklin High Income Fund - A Funds 353538101 61 32,263 SH   SOLE   32,263 0 0
Vanguard GNMA Fund Funds 922031307 150 14,075 SH   SOLE   14,075 0 0
IShares Barclays US TIPS Index share 464287176 292 2,280 SH   SOLE   2,280 0 0
Ishares U S Pfd Etf U S Pfd St Index share 464288687 472 12,000 SH   SOLE   12,000 0 0
SPDR Bloomberg Barclays 1-3 Mt Index share 78468R663 1,325 14,490 SH   SOLE   14,490 0 0
Vanguard Interm- Corp Bnd Fund Index share 92206C870 2,684 28,228 SH   SOLE   28,228 0 0
Vanguard Short-Term Bond ETF Index share 921937827 203 2,471 SH   SOLE   2,471 0 0
Vanguard Short-Term Infl. Prot Index share 922020805 5,889 112,364 SH   SOLE   112,364 0 0
iShares Floating Rate Bond Index share 46429B655 6,642 130,701 SH   SOLE   130,701 0 0
iShares Iboxx $ Invst Grade Cr Index share 464287242 312 2,325 SH   SOLE   2,325 0 0
iShares Intermediate-Term Corp Index share 464288638 4,530 74,845 SH   SOLE   74,845 0 0
iShares Short-Term Corp. Bd ET Index share 464288646 7,807 142,441 SH   SOLE   142,441 0 0
SPDR Gold Trust Index share 78463V107 944 5,702 SH   SOLE   5,702 0 0
Ishares Tr Real Estate Etf Index share 464287739 360 3,536 SH   SOLE   3,536 0 0
Vanguard REIT ETF Index share 922908553 1,342 13,180 SH   SOLE   13,180 0 0