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 623 3,996 SH   SOLE   3,996 0 0
AT&T Corp. Common Stock 00206R102 6,562 217,076 SH   SOLE   217,076 0 0
AbbVie, Inc. Common Stock 00287Y109 236 2,403 SH   SOLE   2,403 0 0
Abbott Labs Common Stock 002824100 8,993 98,355 SH   SOLE   98,355 0 0
Accenture PLC - Cl.A Common Stock G1151C101 4,753 22,134 SH   SOLE   22,134 0 0
Activision Blizzard Inccom Common Stock 00507V109 2,118 27,911 SH   SOLE   27,911 0 0
Adobe Systems Common Stock 00724F101 4,098 9,413 SH   SOLE   9,413 0 0
Aflac Inc Common Stock 001055102 1,078 29,915 SH   SOLE   29,915 0 0
Air Products & Chemicals Common Stock 009158106 2,777 11,501 SH   SOLE   11,501 0 0
Alexanders, Inc. Common Stock 014752109 1,655 6,872 SH   SOLE   6,872 0 0
Alibaba Group Hldgs Limited RS Common Stock 01609W102 2,691 12,476 SH   SOLE   12,476 0 0
Align Technology Inc. Common Stock 016255101 343 1,250 SH   SOLE   1,250 0 0
Alleghany Corp. Common Stock 017175100 5,794 11,845 SH   SOLE   11,845 0 0
Alphabet Inc. Cl A Common Stock 02079K305 3,934 2,774 SH   SOLE   2,774 0 0
Alphabet Inc. Cl C Common Stock 02079K107 786 556 SH   SOLE   556 0 0
Amazon.Com Inc. Common Stock 023135106 6,646 2,409 SH   SOLE   2,409 0 0
AmeriSourceBergen Common Stock 03073E105 1,125 11,161 SH   SOLE   11,161 0 0
American Express Co Common Stock 025816109 2,130 22,379 SH   SOLE   22,379 0 0
American Tower Corp. Common Stock 03027X100 3,025 11,702 SH   SOLE   11,702 0 0
Ansys Inc Common Stock 03662q105 343 1,175 SH   SOLE   1,175 0 0
Apple Inc. Common Stock 037833100 29,104 79,781 SH   SOLE   79,781 0 0
Applied Materials Common Stock 038222105 2,546 42,112 SH   SOLE   42,112 0 0
Arthur J. Gallagher & Co. Common Stock 363576109 319 3,270 SH   SOLE   3,270 0 0
Automatic Data Processing Common Stock 053015103 691 4,638 SH   SOLE   4,638 0 0
Bank of America Corp. Common Stock 060505104 3,172 133,563 SH   SOLE   133,563 0 0
Becton Dickinson Common Stock 075887109 4,591 19,186 SH   SOLE   19,186 0 0
Berkshire Hathaway Cl. B Common Stock 084670702 11,410 63,920 SH   SOLE   63,920 0 0
Best Buy Inc Common Stock 086516101 233 2,675 SH   SOLE   2,675 0 0
Blackstone Group Inc. Common Stock 09260D107 3,017 53,239 SH   SOLE   53,239 0 0
Boeing Co. Common Stock 097023105 3,094 16,880 SH   SOLE   16,880 0 0
Booking Holdings Inc. Common Stock 09857L108 226 142 SH   SOLE   142 0 0
Bristol-Myers Squibb Co Common Stock 110122108 9,716 165,235 SH   SOLE   165,235 0 0
CVS Health Corp. Common Stock 126650100 462 7,113 SH   SOLE   7,113 0 0
Capital One Financial Corp. Common Stock 14040H105 2,750 43,931 SH   SOLE   43,931 0 0
Carnival Cruise Common Stock 143658300 1,634 99,485 SH   SOLE   99,485 0 0
Celanese Corp Common Stock 150870103 4,443 51,459 SH   SOLE   51,459 0 0
Charles Schwab Corp. Common Stock 808513105 209 6,200 SH   SOLE   6,200 0 0
Chemed Corp Common Stock 16359R103 286 635 SH   SOLE   635 0 0
Chevron Corp. Common Stock 166764100 268 3,002 SH   SOLE   3,002 0 0
Cisco Systems Inc. Common Stock 17275R102 1,653 35,449 SH   SOLE   35,449 0 0
Citigroup Common Stock 172967424 5,564 108,878 SH   SOLE   108,878 0 0
Coca-Cola Common Stock 191216100 2,198 49,197 SH   SOLE   49,197 0 0
Comcast Corporation Class A Common Stock 20030N101 5,905 151,486 SH   SOLE   151,486 0 0
Conversion Labs, Inc. Common Stock 21255M109 59 200,000 SH   SOLE   200,000 0 0
Cummins Inc. Common Stock 231021106 207 1,193 SH   SOLE   1,193 0 0
Cytokinetics, Inc. Common Stock 23282W605 412 17,500 SH   SOLE   17,500 0 0
Diageo PLC Common Stock 25243Q205 5,208 38,756 SH   SOLE   38,756 0 0
Disney, Walt & Co. Common Stock 254687106 8,392 75,260 SH   SOLE   75,260 0 0
Dollar General Common Stock 256677105 229 1,200 SH   SOLE   1,200 0 0
Dover Corp. Common Stock 260003108 4,192 43,417 SH   SOLE   43,417 0 0
Eaton Corp. Common Stock G29183103 6,025 68,872 SH   SOLE   68,872 0 0
Equinix Inc Common Stock 29444U700 1,953 2,781 SH   SOLE   2,781 0 0
Exxon Mobil Corp. Common Stock 30231G102 1,555 34,771 SH   SOLE   34,771 0 0
Facebook, Inc. Common Stock 30303M102 3,325 14,641 SH   SOLE   14,641 0 0
Gartner Inc. Common Stock 366651107 231 1,903 SH   SOLE   1,903 0 0
General Electric Common Stock 369604103 2,276 333,309 SH   SOLE   333,309 0 0
General Motors Common Stock 37045V100 4,066 160,721 SH   SOLE   160,721 0 0
Goldman Sachs Group Inc Common Stock 38141G104 281 1,420 SH   SOLE   1,420 0 0
Grainger, WW Inc. Common Stock 384802104 4,910 15,629 SH   SOLE   15,629 0 0
Home Depot Common Stock 437076102 3,424 13,668 SH   SOLE   13,668 0 0
Honeywell Intl Common Stock 438516106 6,085 42,084 SH   SOLE   42,084 0 0
Hubbell, Inc. Common Stock 443510607 4,327 34,516 SH   SOLE   34,516 0 0
Humana Corp. Common Stock 444859102 743 1,915 SH   SOLE   1,915 0 0
Intel Corp Common Stock 458140100 8,135 135,962 SH   SOLE   135,962 0 0
International Business Machine Common Stock 459200101 823 6,817 SH   SOLE   6,817 0 0
Intuitive Surgical Inc. Common Stock 46120E602 2,728 4,787 SH   SOLE   4,787 0 0
JPMorgan Chase & Co. Common Stock 46625H100 4,360 46,357 SH   SOLE   46,357 0 0
Johnson & Johnson Common Stock 478160104 10,793 76,744 SH   SOLE   76,744 0 0
Kinder Morgan, Inc. (DE) Class Common Stock 49456B101 471 31,075 SH   SOLE   31,075 0 0
Levi Strauss & Co. Class A Common Stock 52736R102 188 14,000 SH   SOLE   14,000 0 0
Lockheed-Martin Common Stock 539830109 3,701 10,141 SH   SOLE   10,141 0 0
Lowes Companies Common Stock 548661107 5,630 41,664 SH   SOLE   41,664 0 0
Lumentum Holdings, Inc. Common Stock 55024U109 225 2,765 SH   SOLE   2,765 0 0
Masco Corp Common Stock 574599106 301 6,000 SH   SOLE   6,000 0 0
Mastercard Inc Common Stock 57636Q104 3,319 11,224 SH   SOLE   11,224 0 0
McDonalds Corp. Common Stock 580135101 3,365 18,242 SH   SOLE   18,242 0 0
McKesson HBOC Inc. Common Stock 58155Q103 4,310 28,092 SH   SOLE   28,092 0 0
Merck Common Stock 58933Y105 8,115 104,944 SH   SOLE   104,944 0 0
Microsoft Corp Common Stock 594918104 19,322 94,942 SH   SOLE   94,942 0 0
Morgan Stanley Common Stock 617446448 5,461 113,055 SH   SOLE   113,055 0 0
NVIDIA Corp. Common Stock 67066G104 2,432 6,401 SH   SOLE   6,401 0 0
Netflix.Com Inc Common Stock 64110L106 2,100 4,614 SH   SOLE   4,614 0 0
Nextera Energy Inc Common Stock 65339F101 274 1,140 SH   SOLE   1,140 0 0
Nike Common Stock 654106103 3,206 32,696 SH   SOLE   32,696 0 0
Oracle Corp. Common Stock 68389X105 8,100 146,562 SH   SOLE   146,562 0 0
Pfizer Inc. Common Stock 717081103 275 8,417 SH   SOLE   8,417 0 0
Proctor & Gamble Common Stock 742718109 3,702 30,965 SH   SOLE   30,965 0 0
Progressive Corp. Common Stock 743315103 6,499 81,126 SH   SOLE   81,126 0 0
Public Service Ent. Common Stock 744573106 333 6,771 SH   SOLE   6,771 0 0
Qualcomm, Inc Common Stock 747525103 2,981 32,682 SH   SOLE   32,682 0 0
Royal Dutch Shell PLC - Class Common Stock 780259107 4,960 162,884 SH   SOLE   162,884 0 0
Royal Dutch Shell Plc Spons Ad Common Stock 780259206 950 29,076 SH   SOLE   29,076 0 0
S&P Global, Inc. Common Stock 78409V104 1,034 3,137 SH   SOLE   3,137 0 0
Salesforce.com Common Stock 79466L302 2,264 12,088 SH   SOLE   12,088 0 0
Schlumberger Common Stock 806857108 1,050 57,074 SH   SOLE   57,074 0 0
Southwest Air Common Stock 844741108 4,074 119,195 SH   SOLE   119,195 0 0
Starbucks Corp. Common Stock 855244109 2,491 33,856 SH   SOLE   33,856 0 0
Stryker Corp. Common Stock 863667101 2,567 14,246 SH   SOLE   14,246 0 0
Sysco Corp. Common Stock 871829107 4,622 84,550 SH   SOLE   84,550 0 0
TJX Co., Inc.(New) Common Stock 872540109 8,391 165,961 SH   SOLE   165,961 0 0
TelUS Corp Common Stock 87971M103 1,696 101,143 SH   SOLE   101,143 0 0
Teladoc Health, Inc. Common Stock 87918A105 419 2,195 SH   SOLE   2,195 0 0
Teradyne Common Stock 880770102 311 3,675 SH   SOLE   3,675 0 0
Tesla Motors Inc Com Usd0.001 Common Stock 88160R101 241 223 SH   SOLE   223 0 0
Thermo Fisher Scientific Inc. Common Stock 883556102 2,527 6,974 SH   SOLE   6,974 0 0
Toro Co Common Stock 891092108 219 3,300 SH   SOLE   3,300 0 0
Total SA France Spons. ADR Common Stock 89151E109 980 25,487 SH   SOLE   25,487 0 0
Ulta Salon Cosmetics& Fragranc Common Stock 90384S303 261 1,285 SH   SOLE   1,285 0 0
Unilever ADR Common Stock 904767704 3,958 72,127 SH   SOLE   72,127 0 0
Unilever NV Common Stock 904784709 660 12,385 SH   SOLE   12,385 0 0
Union Pacific Common Stock 907818108 398 2,355 SH   SOLE   2,355 0 0
United Parcel Service Inc. Cl Common Stock 911312106 1,519 13,666 SH   SOLE   13,666 0 0
UnitedHealth Group Inc. Common Stock 91324P102 8,903 30,186 SH   SOLE   30,186 0 0
Verizon Communications Common Stock 92343V104 817 14,824 SH   SOLE   14,824 0 0
Vertex Pharmaceuticals, Inc. Common Stock 92532F100 219 756 SH   SOLE   756 0 0
Vornado REIT Common Stock 929042109 710 18,594 SH   SOLE   18,594 0 0
Wal Mart Stores Inc. Common Stock 931142103 8,841 73,808 SH   SOLE   73,808 0 0
Walgreens Boots Alliance, Inc. Common Stock 931427108 3,494 82,423 SH   SOLE   82,423 0 0
Wells Fargo & Co. Common Stock 949746101 2,572 100,481 SH   SOLE   100,481 0 0
WestRock Company Common Stock 96145D105 4,149 146,806 SH   SOLE   146,806 0 0
YETI Holdings, Inc. Common Stock 98585X104 438 10,240 SH   SOLE   10,240 0 0
Zebra Technologies Corp. Common Stock 989207105 339 1,325 SH   SOLE   1,325 0 0
Zoetis Inc. Common Stock 98978V103 2,579 18,822 SH   SOLE   18,822 0 0
Communication Services Select Index share 81369Y852 2,069 38,287 SH   SOLE   38,287 0 0
Consumer Discret Select Sector Index share 81369Y407 3,249 25,442 SH   SOLE   25,442 0 0
Consumer Staples Select Sector Index share 81369Y308 1,679 28,630 SH   SOLE   28,630 0 0
Energy Select Sector SPDR Index share 81369Y506 581 15,356 SH   SOLE   15,356 0 0
Financial Select Sector SPDR Index share 81369Y605 337 14,550 SH   SOLE   14,550 0 0
Health Care Select Sector Spdr Index share 81369Y209 4,070 40,676 SH   SOLE   40,676 0 0
Industrial Select Sector SPDR Index share 81369Y704 2,681 39,030 SH   SOLE   39,030 0 0
Ishares Russell 2000 Index share 464287655 1,721 12,022 SH   SOLE   12,022 0 0
Materials Select Sector SPDR Index share 81369Y100 380 6,743 SH   SOLE   6,743 0 0
Midcap SPDR Trust Ser 1 - S&P Index share 78467Y107 849 2,617 SH   SOLE   2,617 0 0
SPDR S&P 500 Index share 78462F103 1,124 3,645 SH   SOLE   3,645 0 0
Technology Select Sector Index share 81369Y803 6,704 64,164 SH   SOLE   64,164 0 0
Vanguard Financials ETF Index share 92204A405 3,321 58,058 SH   SOLE   58,058 0 0
Vanguard Small-Cap Growth ETF Index share 922908595 2,386 11,956 SH   SOLE   11,956 0 0
Vanguard Total Stock Market ET Index share 922908769 376 2,399 SH   SOLE   2,399 0 0
iShares Core S&P Mid-Cap ETF Index share 464287507 1,369 7,699 SH   SOLE   7,699 0 0
Vanguard FTSE Developed Market Index share 921943858 333 8,596 SH   SOLE   8,596 0 0
Vanguard FTSE Europe ETF Index share 922042874 1,111 22,065 SH   SOLE   22,065 0 0
iShares MSCI EAFE Index share 464287465 2,044 33,572 SH   SOLE   33,572 0 0
Vanguard FTSE Emerging Markets Index share 922042858 939 23,708 SH   SOLE   23,708 0 0
Franklin High Income Fund - A Funds 353538101 56 32,263 SH   SOLE   32,263 0 0
Ishares U S Pfd Etf U S Pfd St Index share 464288687 624 18,000 SH   SOLE   18,000 0 0
SPDR Bloomberg Barclays 1-3 Mt Index share 78468R663 2,019 22,055 SH   SOLE   22,055 0 0
Vanguard Interm- Corp Bnd Fund Index share 92206C870 1,337 14,056 SH   SOLE   14,056 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 5,465 108,936 SH   SOLE   108,936 0 0
iShares Floating Rate Bond Index share 46429B655 6,515 128,771 SH   SOLE   128,771 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 2,512 41,600 SH   SOLE   41,600 0 0
iShares Short-Term Corp. Bd ET Index share 464288646 3,143 57,441 SH   SOLE   57,441 0 0
SPDR Gold Trust Index share 78463V107 333 1,990 SH   SOLE   1,990 0 0
Ishares Tr Real Estate Etf Index share 464287739 757 9,605 SH   SOLE   9,605 0 0
Vanguard REIT ETF Index share 922908553 538 6,855 SH   SOLE   6,855 0 0