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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   1,404,383 11,711 SH   SOLE   0 0 11,711
ADAMS DIVERSIFIED EQUITY COM 006212104   2,989,426 205,600 SH   SOLE   0 0 205,600
ADAMS NATURAL RESOURCES FUND COM 00548F105   2,081,751 95,493 SH   SOLE   0 0 95,493
ADVENT CONVERT & INCOME COM 00764C109   821,017 75,323 SH   SOLE   0 0 75,323
AIR PRODUCTS & CHEMICALS INC COM 009158106   1,359,735 4,411 SH   SOLE   0 0 4,411
ALLSTATE CORP COM 020002101   2,771,479 20,439 SH   SOLE   0 0 20,439
ALPHABET INC-CL C COM 02079K107   657,312 7,408 SH   SOLE   0 0 7,408
AMCOR PLC COM G0250X107   309,660 26,000 SH   DFND   26,000 0 0
AMERICA MOVIL-SPN ADR CL L ADR 02364W105   182,000 10,000 SH   DFND   10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105   725,116 18,219 SH   SOLE   0 0 18,219
AMGEN INC COM 031162100   4,120,003 15,687 SH   SOLE   0 0 15,687
AMYRIS INC COM 03236M200   16,830 11,000 SH   SOLE   0 0 11,000
ANDRADA MINING LTD COM G012B4107   882 13,329 SH   SOLE   0 0 13,329
APPLE INC COM 037833100   323,658 2,491 SH   SOLE   0 0 2,491
APPLE INC COM 037833100   636,657 4,900 SH   DFND   4,900 0 0
ARKEMA-SPONSORED ADR ADR 041232109   281,011 3,130 SH   DFND   3,130 0 0
ARTESIAN RESOURCES CORP-CL A COM 043113208   4,305,791 73,503 SH   SOLE   0 0 73,503
ASTRAZENECA PLC-SPONS ADR ADR 046353108   542,400 8,000 SH   DFND   8,000 0 0
AUTOMATIC DATA PROCESSING COM 053015103   375,010 1,570 SH   SOLE   0 0 1,570
BANK OF AMERICA CORP COM 060505104   602,264 18,184 SH   SOLE   0 0 18,184
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104   156,085 27,432 SH   DFND   27,432 0 0
CATERPILLAR INC COM 149123101   287,472 1,200 SH   DFND   1,200 0 0
CHASE CORP COM 16150R104   3,028,562 35,110 SH   SOLE   0 0 35,110
CHEVRON CORP COM 166764100   628,215 3,500 SH   DFND   3,500 0 0
CISCO SYSTEMS INC COM 17275R102   1,276,752 26,800 SH   SOLE   0 0 26,800
COCA-COLA CO/THE COM 191216100   242,759 3,816 SH   SOLE   0 0 3,816
CONSUMER DISCRETIONARY SELT COM 81369Y407   3,767,825 29,172 SH   SOLE   0 0 29,172
CONSUMER STAPLES SPDR COM 81369Y308   4,230,708 56,750 SH   SOLE   0 0 56,750
COPA HOLDINGS SA-CLASS A COM P31076105   249,510 3,000 SH   DFND   3,000 0 0
COTERRA ENERGY INC COM 127097103   1,221,620 49,720 SH   SOLE   0 0 49,720
CSX CORP COM 126408103   3,518,356 113,569 SH   SOLE   0 0 113,569
CVS HEALTH CORP COM 126650100   1,934,776 20,762 SH   SOLE   0 0 20,762
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401   113,520 44,000 SH   DFND   44,000 0 0
DEVON ENERGY CORP COM 25179M103   618,668 10,058 SH   SOLE   0 0 10,058
DIAGEO PLC-SPONSORED ADR ADR 25243Q205   498,932 2,800 SH   DFND   2,800 0 0
DR HORTON INC COM 23331A109   445,700 5,000 SH   DFND   5,000 0 0
DUKE ENERGY CORP COM 26441C204   280,030 2,719 SH   SOLE   0 0 2,719
ELECTRONIC ARTS INC COM 285512109   244,360 2,000 SH   DFND   2,000 0 0
ENERGY SELECT SECTOR SPDR COM 81369Y506   1,266,640 14,481 SH   SOLE   0 0 14,481
ENTEGRIS INC COM 29362U104   555,708 8,472 SH   SOLE   0 0 8,472
EVEREST RE GROUP LTD COM G3223R108   3,480,483 10,506 SH   SOLE   0 0 10,506
EXXON MOBIL CORP COM 30231G102   224,599 2,036 SH   SOLE   0 0 2,036
FIRST SEISMIC CORP COM 336397104   2,356 44,451 SH   SOLE   0 0 44,451
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101   384,000 20,000 SH   DFND   20,000 0 0
GLASS HOUSE BRANDS INC COM 377130406   39,200 20,000 SH   SOLE   0 0 20,000
GLOBAL X MSCI NIGERIA ETF COM 37954Y665   81,918 11,100 SH   DFND   11,100 0 0
GOLDMAN ACTIVEBETA US LC ETF COM 381430503   3,361,549 44,155 SH   SOLE   0 0 44,155
GOLDMAN SACHS ACTIVEBETA INT COM 381430107   6,651,167 231,104 SH   SOLE   0 0 231,104
GROUP 1 AUTOMOTIVE INC COM 398905109   703,443 3,900 SH   DFND   3,900 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202   302,887 1,300 SH   DFND   1,300 0 0
HARLEYSVILLE FINANCIAL CORP COM 41284E100   217,916 8,675 SH   DFND   8,675 0 0
HDFC BANK LTD-ADR ADR 40415F101   547,280 8,000 SH   DFND   8,000 0 0
HEMPFUSION WELLNESS INC COM 423821107   778 22,222 SH   SOLE   0 0 22,222
INGLES MARKETS INC-CLASS A COM 457030104   5,263,629 54,568 SH   SOLE   0 0 54,568
INTERCONTINENTAL HOTELS-ADR ADR 45857P806   356,049 6,103 SH   DFND   6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101   1,742,950 12,371 SH   SOLE   0 0 12,371
INVESCO BULLETSHARES 2023 CO COM 46138J866   7,274,254 346,723 SH   SOLE   0 0 346,723
INVESCO BULLETSHARES 2023 HI COM 46138J858   2,916,044 125,098 SH   SOLE   0 0 125,098
INVESCO BULLETSHARES 2024 CO COM 46138J841   5,367,359 262,013 SH   SOLE   0 0 262,013
INVESCO BULLETSHARES 2024 HI COM 46138J833   2,031,315 91,832 SH   SOLE   0 0 91,832
INVESCO BULLETSHARES 2025 CO COM 46138J825   5,162,675 256,339 SH   SOLE   0 0 256,339
INVESCO BULLETSHARES 2025 HI COM 46138J817   265,607 12,013 SH   SOLE   0 0 12,013
INVESCO BULLETSHARES 2026 CO COM 46138J791   1,333,597 70,467 SH   SOLE   0 0 70,467
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357   4,630,964 32,786 SH   SOLE   0 0 32,786
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332   3,448,682 11,955 SH   SOLE   0 0 11,955
INVESCO S&P GLOBAL WATER IND COM 46138E263   2,605,685 55,892 SH   SOLE   0 0 55,892
INVESCO VARIABLE RATE PREFER COM 46138G870   2,087,842 93,249 SH   SOLE   0 0 93,249
ISHARES CALIFORNIA MUNI BOND COM 464288356   409,491 7,298 SH   SOLE   0 0 7,298
ISHARES CORE GROWTH ALLOCATI COM 464289867   281,734 5,974 SH   SOLE   0 0 5,974
ISHARES CORE S&P MIDCAP ETF COM 464287507   4,815,016 19,906 SH   SOLE   0 0 19,906
ISHARES FLOATING RATE BOND E COM 46429B655   5,760,985 114,464 SH   SOLE   0 0 114,464
ISHARES GLOBAL HEALTHCARE ET COM 464287325   4,446,009 52,380 SH   SOLE   0 0 52,380
ISHARES GLOBAL TECH ETF COM 464287291   3,146,080 70,178 SH   SOLE   0 0 70,178
ISHARES MSCI EAFE ETF COM 464287465   700,367 10,670 SH   SOLE   0 0 10,670
ISHARES MSCI EAFE SMALL-CAP COM 464288273   3,602,433 63,782 SH   SOLE   0 0 63,782
ISHARES MSCI USA MIN VOL FAC COM 46429B697   228,160 3,165 SH   SOLE   0 0 3,165
ISHARES RUSSELL 1000 ETF COM 464287622   4,012,292 19,059 SH   SOLE   0 0 19,059
ISHARES RUSSELL 1000 GROWTH COM 464287614   264,586 1,235 SH   SOLE   0 0 1,235
ISHARES RUSSELL 2000 ETF COM 464287655   1,484,178 8,512 SH   SOLE   0 0 8,512
ISHARES RUSSELL MID-CAP ETF COM 464287499   2,514,358 37,277 SH   SOLE   0 0 37,277
ISHARES SHORT-TERM NATIONAL COM 464288158   717,899 6,885 SH   SOLE   0 0 6,885
JAMES HARDIE IND PLC-SP ADR ADR 47030M106   448,500 25,000 SH   DFND   25,000 0 0
JOHN HANCOCK FINANCIAL OPPOR COM 409735206   2,859,389 85,842 SH   SOLE   0 0 85,842
JOHN HANCOCK MULTI FACT LRG COM 47804J107   1,442,254 29,284 SH   SOLE   0 0 29,284
JOHNSON & JOHNSON COM 478160104   3,093,108 17,510 SH   SOLE   0 0 17,510
JPMORGAN CHASE & CO COM 46625H100   281,610 2,100 SH   DFND   2,100 0 0
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837   2,156,632 43,021 SH   SOLE   0 0 43,021
KAJIMA CORP-UNSPONSORED ADR ADR 483111209   117,400 10,000 SH   DFND   10,000 0 0
KVH INDUSTRIES INC COM 482738101   306,600 30,000 SH   DFND   30,000 0 0
LENDLEASE GROUP - SPON ADR ADR 526023205   66,045 11,900 SH   DFND   11,900 0 0
LENNAR CORP-A COM 526057104   362,000 4,000 SH   DFND   4,000 0 0
LENNOX INTERNATIONAL INC COM 526107107   406,691 1,700 SH   DFND   1,700 0 0
LIVEVOX HOLDINGS INC COM 53838L100   29,700 10,000 SH   SOLE   0 0 10,000
LOCKHEED MARTIN CORP COM 539830109   2,169,911 4,460 SH   SOLE   0 0 4,460
LOWE'S COS INC COM 548661107   3,316,549 16,646 SH   SOLE   0 0 16,646
LOWE'S COS INC COM 548661107   518,024 2,600 SH   DFND   2,600 0 0
MAINSTAY CBRE GLBL INFR MEGA COM 56064Q107   1,120,469 82,086 SH   SOLE   0 0 82,086
METLIFE INC COM 59156R108   2,330,954 32,209 SH   SOLE   0 0 32,209
MICROSOFT CORP COM 594918104   905,081 3,774 SH   SOLE   0 0 3,774
MICROSOFT CORP COM 594918104   359,730 1,500 SH   DFND   1,500 0 0
MILLER INDUSTRIES INC/TENN COM 600551204   479,880 18,000 SH   DFND   18,000 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108   93,000 12,500 SH   DFND   12,500 0 0
NATIONAL WESTERN LIFE GROU-A COM 638517102   2,933,038 10,438 SH   SOLE   0 0 10,438
NESTLE SA-SPONS ADR ADR 641069406   547,865 4,750 SH   DFND   4,750 0 0
NETAPP INC COM 64110D104   480,480 8,000 SH   DFND   8,000 0 0
NICE LTD - SPON ADR ADR 653656108   519,210 2,700 SH   DFND   2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109   268,170 21,000 SH   DFND   21,000 0 0
NORFOLK SOUTHERN CORP COM 655844108   591,408 2,400 SH   DFND   2,400 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109   2,007,724 22,131 SH   SOLE   0 0 22,131
NOVO-NORDISK A/S-SPONS ADR ADR 670100205   270,680 2,000 SH   DFND   2,000 0 0
NUVEEN INT DUR MUNI TERM FD COM 670671106   1,345,246 102,534 SH   SOLE   0 0 102,534
NUVEEN PREFERRED & INCOME SE COM 67072C105   630,285 92,689 SH   SOLE   0 0 92,689
NVR INC COM 62944T105   230,629 50 SH   DFND   50 0 0
NXP SEMICONDUCTORS NV COM N6596X109   1,805,493 11,425 SH   SOLE   0 0 11,425
OLD REPUBLIC INTL CORP COM 680223104   2,189,031 90,643 SH   SOLE   0 0 90,643
OSISKO GOLD ROYALTIES LTD COM 68827L101   487,592 40,397 SH   SOLE   0 0 40,397
PEARSON PLC-SPONSORED ADR ADR 705015105   281,750 25,000 SH   DFND   25,000 0 0
PIMCO ENHANCED SHORT MATURIT COM 72201R833   1,528,030 15,489 SH   SOLE   0 0 15,489
PLEXUS CORP COM 729132100   1,482,192 14,400 SH   SOLE   0 0 14,400
PROCTER & GAMBLE CO/THE COM 742718109   205,970 1,359 SH   SOLE   0 0 1,359
PROCTER & GAMBLE CO/THE COM 742718109   469,836 3,100 SH   DFND   3,100 0 0
QUALCOMM INC COM 747525103   673,762 6,128 SH   SOLE   0 0 6,128
RGC RESOURCES INC COM 74955L103   557,865 25,300 SH   SOLE   0 0 25,300
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104   469,800 12,000 SH   DFND   12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104   2,473,815 285,002 SH   SOLE   0 0 285,002
ROYCE VALUE TRUST COM 780910105   193,511 14,594 SH   SOLE   0 0 14,594
SCHWAB FUNDAMENTAL LARGE CAP COM 808524771   2,587,492 48,419 SH   SOLE   0 0 48,419
SCHWAB INTL EQUITY ETF COM 808524805   468,757 14,553 SH   SOLE   0 0 14,553
SCHWAB US MID CAP ETF COM 808524508   583,388 8,892 SH   SOLE   0 0 8,892
SCHWAB US SMALL-CAP ETF COM 808524607   554,532 13,689 SH   SOLE   0 0 13,689
SHOPRITE HOLDINGS-SPN ADR ADR 82510E209   303,120 24,000 SH   DFND   24,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501   481,530 7,000 SH   DFND   7,000 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   328,068 3,600 SH   DFND   3,600 0 0
SONOS INC COM 83570H108   2,442,304 144,515 SH   SOLE   0 0 144,515
SONY GROUP CORP - SP ADR ADR 835699307   381,400 5,000 SH   DFND   5,000 0 0
SPDR PORT SHRT TRM CORP BND COM 78464A474   1,709,767 58,195 SH   SOLE   0 0 58,195
SPDR S&P 500 ETF TRUST COM 78462F103   632,539 1,654 SH   SOLE   0 0 1,654
SPDR S&P MIDCAP 400 ETF TRST COM 78467Y107   611,050 1,380 SH   SOLE   0 0 1,380
STANDARD BANK GROUP-SPON ADR ADR 853118206   99,960 10,200 SH   DFND   10,200 0 0
STONE RIDGE REIN RSK PR INT COM 861729101   362,036 9,101 SH   SOLE   0 0 9,101
STRYKER CORP COM 863667101   3,338,878 13,657 SH   SOLE   0 0 13,657
SUMMIT MATERIALS INC -CL A COM 86614U100   246,428 8,680 SH   DFND   8,680 0 0
TECHTRONIC INDUSTRIES-SP ADR ADR 87873R101   249,930 4,500 SH   DFND   4,500 0 0
TECNOGLASS INC COM G87264100   788,758 25,634 SH   DFND   25,634 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   743,432 1,350 SH   DFND   1,350 0 0
ULTRA CLEAN HOLDINGS INC COM 90385V107   1,586,725 47,865 SH   SOLE   0 0 47,865
UNILEVER PLC-SPONSORED ADR ADR 904767704   453,150 9,000 SH   DFND   9,000 0 0
VALMONT INDUSTRIES COM 920253101   5,009,962 15,151 SH   SOLE   0 0 15,151
VANGUARD ENERGY ETF COM 92204A306   1,764,381 14,548 SH   SOLE   0 0 14,548
VANGUARD FTSE DEVELOPED ETF COM 921943858   7,874,608 187,625 SH   SOLE   0 0 187,625
VANGUARD FTSE EMERGING MARKE COM 922042858   1,105,860 28,370 SH   SOLE   0 0 28,370
VANGUARD HIGH DVD YIELD ETF COM 921946406   1,387,256 12,820 SH   SOLE   0 0 12,820
VANGUARD INFO TECH ETF COM 92204A702   7,325,361 22,934 SH   SOLE   0 0 22,934
VANGUARD S/T CORP BOND ETF COM 92206C409   3,828,524 50,918 SH   SOLE   0 0 50,918
VERITEX HOLDINGS INC COM 923451108   331,176 11,794 SH   SOLE   0 0 11,794
VERIZON COMMUNICATIONS INC COM 92343V104   570,423 14,478 SH   SOLE   0 0 14,478
VISA INC-CLASS A SHARES COM 92826C839   508,181 2,446 SH   SOLE   0 0 2,446
VMWARE INC-CLASS A COM 928563402   1,032,166 8,408 SH   SOLE   0 0 8,408
VOYA FINANCIAL INC COM 929089100   2,576,585 41,903 SH   SOLE   0 0 41,903
WALT DISNEY CO/THE COM 254687106   260,640 3,000 SH   DFND   3,000 0 0
WASTE MANAGEMENT INC COM 94106L109   695,292 4,432 SH   SOLE   0 0 4,432
WESTERN ASSET GL CORP DEF OP COM 95790C107   2,868,181 224,603 SH   SOLE   0 0 224,603
WESTERN ASSET HI INC OPPORT COM 95766K109   3,637,046 920,771 SH   SOLE   0 0 920,771
WILLIAMS COS INC COM 969457100   1,525,474 46,367 SH   SOLE   0 0 46,367