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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company Common Stock 88579Y101 532 3 SH   SOLE 0 3 0 0
Abbott Laboratories Common Stock 002824100 1,829 13 SH   SOLE 0 13 0 0
AbbVie Inc. Common Stock 00287Y109 1,760 13 SH   SOLE 0 13 0 0
Accenture PLC New Common Stock G1151C101 1,658 4 SH   SOLE 0 4 0 0
Activision Blizzard Inc Common Stock 00507V109 532 8 SH   SOLE 0 8 0 0
Adobe Systems, Inc. Common Stock 00724F101 1,701 3 SH   SOLE 0 3 0 0
ADVANCE AUTO PARTS INC COM Common Stock 00751Y106 239 1 SH   SOLE 0 1 0 0
Advanced Micro Devices Inc Common Stock 007903107 1,151 8 SH   SOLE 0 8 0 0
AFLAC, Inc. Com Common Stock 001055102 408 7 SH   SOLE 0 7 0 0
Agilent Tech, Inc. Common Stock 00846U101 319 2 SH   SOLE 0 2 0 0
Akamai Technologies, Inc. Common Stock 00971T101 117 1 SH   SOLE 0 1 0 0
Alaska Air Group Common Stock 011659109 52 1 SH   SOLE 0 1 0 0
ALIGN TECHNOLOGY Common Stock 016255101 657 1 SH   SOLE 0 1 0 0
Allstate Corp. Common Stock 020002101 352 3 SH   SOLE 0 3 0 0
Alphabet Inc. C Common Stock 02079K107 8,680 3 SH   SOLE 0 3 0 0
Alphabet Inc. Class A Common Stock 02079K305 54,742,467 18,896 SH   SOLE 0 18,677 0 219
Amazon.Com, Inc. Common Stock 023135106 51,665,598 15,495 SH   SOLE 0 15,274 0 221
AMERICAN AIRLS GROUP INC COM Common Stock 02376R102 53 3 SH   SOLE 0 3 0 0
American Express Co. Common Stock 025816109 44,771,921 273,667 SH   SOLE 0 269,754 0 3,913
American International Group Inc. Corp. Common Stock 026874784 568 10 SH   SOLE 0 10 0 0
Ameriprise Fin'l, Inc. Common Stock 03076C106 301 1 SH   SOLE 0 1 0 0
Amerisourcebergen Corp Common Stock 03073E105 132 1 SH   SOLE 0 1 0 0
AMETEK INC NEW COM Common Stock 031100100 147 1 SH   SOLE 0 1 0 0
Amgen, Inc. Common Stock 031162100 899 4 SH   SOLE 0 4 0 0
AMPHENOL CORP NEW CL A Common Stock 032095101 349 4 SH   SOLE 0 4 0 0
Analog Devices, Inc. Common Stock 032654105 703 4 SH   SOLE 0 4 0 0
Ansys, Inc Common Stock 03662Q105 401 1 SH   SOLE 0 1 0 0
ANTHEM INC COM Common Stock 036752103 927 2 SH   SOLE 0 2 0 0
AON Plc Common Stock G0403H108 901 3 SH   SOLE 0 3 0 0
Apache Corp. Common Stock 03743Q108 53 2 SH   SOLE 0 2 0 0
Apple, Inc. Common Stock 037833100 31,197,806 175,693 SH   SOLE 0 173,322 0 2,371
Applied Materials, Inc. Common Stock 038222105 944 6 SH   SOLE 0 6 0 0
Aptiv PLC Common Stock G6095L109 329 2 SH   SOLE 0 2 0 0
Arista Networks Common Stock 040413106 143 1 SH   SOLE 0 1 0 0
ASSURANT INC COM Common Stock 04621X108 155 1 SH   SOLE 0 1 0 0
AT&T, Inc. Common Stock 00206R102 1,722 70 SH   SOLE 0 70 0 0
Autodesk, Inc. Common Stock 052769106 281 1 SH   SOLE 0 1 0 0
Automatic Data Processing Inc. Common Stock 053015103 739 3 SH   SOLE 0 3 0 0
Baker Hughes A GE CO Common Stock 05722G100 120 5 SH   SOLE 0 5 0 0
Bank of America Corp Common Stock 060505104 47,026,018 1,057,002 SH   SOLE 0 1,042,125 0 14,877
Bank of New York, Inc Common Stock 064058100 522 9 SH   SOLE 0 9 0 0
Bath & Body Works Inc Common Stock 070830104 139 2 SH   SOLE 0 2 0 0
Baxter International Inc. Common Stock 071813109 343 4 SH   SOLE 0 4 0 0
Becton Dickinson Co. Common Stock 075887109 502 2 SH   SOLE 0 2 0 0
Berkley WR CP Common Stock 084423102 164 2 SH   SOLE 0 2 0 0
Berkshire Hathaway, Inc. CL. B Common Stock 084670702 268,801 899 SH   SOLE 0 899 0 0
Best Buy Co., Inc. Common Stock 086516101 203 2 SH   SOLE 0 2 0 0
Biogen, Inc. Common Stock 09062X103 239 1 SH   SOLE 0 1 0 0
BLACKROCK INC COM Common Stock 09247X101 1,831 2 SH   SOLE 0 2 0 0
Boeing Company Common Stock 097023105 402 2 SH   SOLE 0 2 0 0
Borg Warner Inc Common Stock 099724106 90 2 SH   SOLE 0 2 0 0
Boston Scientific Corp Common Stock 101137107 467 11 SH   SOLE 0 11 0 0
Bristol-Myers Squibb Common Stock 110122108 1,059 17 SH   SOLE 0 17 0 0
BROADCOM INC Common Stock 11135F101 1,996 3 SH   SOLE 0 3 0 0
Broadridge Financial Solutions Common Stock 11133T103 182 1 SH   SOLE 0 1 0 0
Brown & Brown, Inc. Common Stock 115236101 210 3 SH   SOLE 0 3 0 0
C S X Corp. Common Stock 126408103 376 10 SH   SOLE 0 10 0 0
C.H. ROBINSON WORLDWIDE, INC. Common Stock 12541W209 107 1 SH   SOLE 0 1 0 0
CADENCE DESIGN SYSTEMS, INC. Common Stock 127387108 372 2 SH   SOLE 0 2 0 0
Caesars Entertainment Inc Common Stock 12769G100 187 2 SH   SOLE 0 2 0 0
Capital One Financial Corp. Common Stock 14040H105 725 5 SH   SOLE 0 5 0 0
Cardinal Health Inc Common Stock 14149Y108 102 2 SH   SOLE 0 2 0 0
Carmax, Inc. Common Stock 143130102 130 1 SH   SOLE 0 1 0 0
Carnival Corp Paired Ctf Common Stock 143658300 140 7 SH   SOLE 0 7 0 0
Carrier Global Corp Common Stock 14448C104 216 4 SH   SOLE 0 4 0 0
Catalent Inc Common Stock 148806102 128 1 SH   SOLE 0 1 0 0
Caterpillar Inc. Common Stock 149123101 23,981 116 SH   SOLE 0 116 0 0
CBOE Holdings Inc. Common Stock 12503M108 130 1 SH   SOLE 0 1 0 0
CDW Corporation Common Stock 12514G108 204 1 SH   SOLE 0 1 0 0
Centene Corp. Common Stock 15135B101 329 4 SH   SOLE 0 4 0 0
Ceridian HCM Holdings Common Stock 15677J108 104 1 SH   SOLE 0 1 0 0
Cerner Corp. Common Stock 156782104 185 2 SH   SOLE 0 2 0 0
Charles Schwab Corporation Common Stock 808513105 1,513 18 SH   SOLE 0 18 0 0
Charter Communications Inc. Common Stock 16119P108 651 1 SH   SOLE 0 1 0 0
Chevron Corp. Common Stock 166764100 49,361,047 420,631 SH   SOLE 0 414,648 0 5,983
Chicago Mercantile Exchange Common Stock 12572Q105 913 4 SH   SOLE 0 4 0 0
CIGNA Corp. Common Stock 125523100 688 3 SH   SOLE 0 3 0 0
CINCINNATI FINL CORP COM Common Stock 172062101 227 2 SH   SOLE 0 2 0 0
Cisco Systems, Inc. Common Stock 17275R102 1,774 28 SH   SOLE 0 28 0 0
Citigroup Inc. com New Common Stock 172967424 1,449 24 SH   SOLE 0 24 0 0
Citizens Financial Common Stock 174610105 236 5 SH   SOLE 0 5 0 0
Citrix Systems Common Stock 177376100 94 1 SH   SOLE 0 1 0 0
Cognizant Tech Solutions Corp. Common Stock 192446102 266 3 SH   SOLE 0 3 0 0
Comcast Corp. Cl.A Common Stock 20030N101 39,908,418 792,935 SH   SOLE 0 781,708 0 11,227
Comerica, Inc. Common Stock 200340107 174 2 SH   SOLE 0 2 0 0
Communication Services Sel Sect SPDR Fd Common Stock 81369Y852 227,372,777 2,927,044 SH   SOLE 0 2,915,965 0 11,079
ConocoPhillips Common Stock 20825C104 577 8 SH   SOLE 0 8 0 0
Consumer Discretionary Select Sect SPDR Fd Common Stock 81369Y407 238,614,975 1,167,163 SH   SOLE 0 1,162,733 0 4,430
Consumer Staples Select Sector SPDR Fund Common Stock 81369Y308 30,535 396 SH   SOLE 0 396 0 0
Copart Inc Common Stock 217204106 151 1 SH   SOLE 0 1 0 0
Corning, Inc. Common Stock 219350105 186 5 SH   SOLE 0 5 0 0
Coterra Energy Inc. Common Stock 127097103 95 5 SH   SOLE 0 5 0 0
CUMMINS INC COM Common Stock 231021106 218 1 SH   SOLE 0 1 0 0
CVS Health Corp. Common Stock 126650100 1,031 10 SH   SOLE 0 10 0 0
D B A CHUBB LIMITED Common Stock h1467j104 966 5 SH   SOLE 0 5 0 0
D R HORTON INC COM Common Stock 23331A109 325 3 SH   SOLE 0 3 0 0
Danaher Corp Common Stock 235851102 1,645 5 SH   SOLE 0 5 0 0
Darden Restaurants Common Stock 237194105 150 1 SH   SOLE 0 1 0 0
Deere & Company Common Stock 244199105 342 1 SH   SOLE 0 1 0 0
Delta Air Lines, Inc. Common Stock 247361702 117 3 SH   SOLE 0 3 0 0
Dentsply Sirona Inc Common Stock 24906P109 111 2 SH   SOLE 0 2 0 0
Devon Energy Corp. New Common Stock 25179M103 176 4 SH   SOLE 0 4 0 0
Dexcom Inc Common Stock 252131107 536 1 SH   SOLE 0 1 0 0
DIAMONDBACK ENERGY INC Common Stock 25278X109 107 1 SH   SOLE 0 1 0 0
Discover Financial Services Common Stock 254709108 462 4 SH   SOLE 0 4 0 0
Discovery Inc. CL A Common Stock 25470F104 47 2 SH   SOLE 0 2 0 0
Discovery Inc. Cl C Common Stock 25470F302 68 3 SH   SOLE 0 3 0 0
Dish Networks Corp Cl A Common Stock 25470M109 64 2 SH   SOLE 0 2 0 0
Disney, Walt Co. Common Stock 254687106 2,788 18 SH   SOLE 0 18 0 0
Dollar General Corp Common Stock 256677105 471 2 SH   SOLE 0 2 0 0
Dollar Tree, Inc. Common Stock 256746108 281 2 SH   SOLE 0 2 0 0
Dover Corp. Common Stock 260003108 181 1 SH   SOLE 0 1 0 0
DXC Technology Common Stock 23355L106 64 2 SH   SOLE 0 2 0 0
Eaton Corp. Common Stock G29183103 345 2 SH   SOLE 0 2 0 0
eBay, Inc. Common Stock 278642103 332 5 SH   SOLE 0 5 0 0
EDWARDS LIFESCIENCES COM Common Stock 28176E108 647 5 SH   SOLE 0 5 0 0
Electronic Arts Inc Common Stock 285512109 395 3 SH   SOLE 0 3 0 0
Emerson Electric Co Common Stock 291011104 278 3 SH   SOLE 0 3 0 0
Energy Select Sector SPDR Common Stock 81369Y506 38,453,452 692,855 SH   SOLE 0 690,237 0 2,618
Enphase Energy Common Stock 29355A107 182 1 SH   SOLE 0 1 0 0
EOG Resources, Inc. Common Stock 26875P101 355 4 SH   SOLE 0 4 0 0
Equifax Inc. Common Stock 294429105 292 1 SH   SOLE 0 1 0 0
Etsy Inc Common Stock 29786A106 218 1 SH   SOLE 0 1 0 0
Expedia Inc Common Stock 30212P303 180 1 SH   SOLE 0 1 0 0
Expeditors Intl Common Stock 302130109 134 1 SH   SOLE 0 1 0 0
Exxon Mobil Corp Common Stock 30231G102 1,590 26 SH   SOLE 0 26 0 0
Fastenal Company Common Stock 311900104 192 3 SH   SOLE 0 3 0 0
FEDEX Corp. Common Stock 31428X106 258 1 SH   SOLE 0 1 0 0
FIDELITY NATL INFO SVC COM Common Stock 31620M106 436 4 SH   SOLE 0 4 0 0
Fifth Third Bancorp Common Stock 316773100 348 8 SH   SOLE 0 8 0 0
Financial Select Sector SPDR Common Stock 81369Y605 233,647,084 5,983,280 SH   SOLE 0 5,960,602 0 22,678
First Rep BK San Fran CA Common Stock 33616C100 413 2 SH   SOLE 0 2 0 0
First Trust STOXX Euro Di Common Stock 33735T109 4,268 296 SH   SOLE 0 296 0 0
FISERV, Inc. Common Stock 337738108 415 4 SH   SOLE 0 4 0 0
Fleetcor Technologies Common Stock 339041105 223 1 SH   SOLE 0 1 0 0
Ford Mtr Co. Common Stock 345370860 664 32 SH   SOLE 0 32 0 0
FORTINET INC Common Stock 34959E109 359 1 SH   SOLE 0 1 0 0
Fortive Corp Common Stock 34959J108 152 2 SH   SOLE 0 2 0 0
FORTUNE BRANDS HOME AND SECURITY INC Common Stock 34964C106 106 1 SH   SOLE 0 1 0 0
Fox Corp Cl A Common Stock 35137L105 110 3 SH   SOLE 0 3 0 0
Fox Corp CL B Common Stock 35137L204 34 1 SH   SOLE 0 1 0 0
Franklin Resources Common Stock 354613101 100 3 SH   SOLE 0 3 0 0
Gallager Arthur J Common Stock 363576109 339 2 SH   SOLE 0 2 0 0
Gap Inc. Common Stock 364760108 35 2 SH   SOLE 0 2 0 0
GARMIN LTD. Common Stock H2906T109 136 1 SH   SOLE 0 1 0 0
Gartner Inc. Common Stock 366651107 334 1 SH   SOLE 0 1 0 0
General Dynamics Corp. Common Stock 369550108 208 1 SH   SOLE 0 1 0 0
General Electric Co. Common Stock 369604301 472 5 SH   SOLE 0 5 0 0
General Motors Corp. Common Stock 37045V100 703 12 SH   SOLE 0 12 0 0
GENUINE PARTS CO COM Common Stock 372460105 140 1 SH   SOLE 0 1 0 0
Gilead Sciences, Inc. Common Stock 375558103 726 10 SH   SOLE 0 10 0 0
GLOBAL PMTS INC COM Common Stock 37940X102 270 2 SH   SOLE 0 2 0 0
Global X MLP & Energy Infrastructure ETF Common Stock 37954Y293 42,136 1,193 SH   SOLE 0 1,193 0 0
Globe Life Inc Common Stock 37959E102 93 1 SH   SOLE 0 1 0 0
Goldman Sachs Group Common Stock 38141G104 1,530 4 SH   SOLE 0 4 0 0
Halliburton Co Holdings Co. Common Stock 406216101 137 6 SH   SOLE 0 6 0 0
Hartford Financial Services Group Inc. Common Stock 416515104 276 4 SH   SOLE 0 4 0 0
Hasbro Inc Common Stock 418056107 101 1 SH   SOLE 0 1 0 0
HCA Holdings, Inc. Common Stock 40412C101 513 2 SH   SOLE 0 2 0 0
Health Care Select Sector SPDR Fund Common Stock 81369Y209 252,577,401 1,792,727 SH   SOLE 0 1,785,992 0 6,735
Hess Corporation Common Stock 42809H107 148 2 SH   SOLE 0 2 0 0
HEWLETT PACKARD ENTERPRISE Common Stock 42824C109 141 9 SH   SOLE 0 9 0 0
Hewlett-Packard Co. Common Stock 40434L105 301 8 SH   SOLE 0 8 0 0
HILTON WORLDWIDE HLDGS INC COM Common Stock 43300A203 311 2 SH   SOLE 0 2 0 0
Hologic Inc. Common Stock 436440101 153 2 SH   SOLE 0 2 0 0
Home Depot Inc. Common Stock 437076102 57,732,871 139,112 SH   SOLE 0 137,114 0 1,998
Honeywell Intl. Inc. Common Stock 438516106 40,345,850 193,496 SH   SOLE 0 190,736 0 2,760
Howmet Aerospace Inc Common Stock 443201108 63 2 SH   SOLE 0 2 0 0
Humana Inc. Common Stock 444859102 463 1 SH   SOLE 0 1 0 0
HUNTINGTON BANCSHARES COM Common Stock 446150104 262 17 SH   SOLE 0 17 0 0
IDEXX Laboratories Inc Common Stock 45168D104 658 1 SH   SOLE 0 1 0 0
IHS Markit Ltd Common Stock G47567105 265 2 SH   SOLE 0 2 0 0
Illinois Tool Works Common Stock 452308109 246 1 SH   SOLE 0 1 0 0
Illumina Inc Common Stock 452327109 380 1 SH   SOLE 0 1 0 0
Incyte Corporation Common Stock 45337C102 73 1 SH   SOLE 0 1 0 0
Industrial Select Sector SPDR Common Stock 81369Y704 79,098,582 747,553 SH   SOLE 0 744,741 0 2,812
Ingersoll-Rand Plc Common Stock 45687V106 123 2 SH   SOLE 0 2 0 0
Intel Corp. Common Stock 458140100 1,390 27 SH   SOLE 0 27 0 0
IntercontinentalExchange Group Common Stock 45866F104 957 7 SH   SOLE 0 7 0 0
Interpublic Group of Companies Inc. Common Stock 460690100 149 4 SH   SOLE 0 4 0 0
Int'l Business Machines Common Stock 459200101 801 6 SH   SOLE 0 6 0 0
Intuit Inc Common Stock 461202103 1,286 2 SH   SOLE 0 2 0 0
Intuitive Surgical Common Stock 46120E602 1,077 3 SH   SOLE 0 3 0 0
Invesco Optimum Yield Dvsfd ETF Common Stock 46090F100 66,152 4,705 SH   SOLE 0 4,705 0 0
Inveso Ltd Common Stock G491BT108 92 4 SH   SOLE 0 4 0 0
Iqvia Holdins Inc Common Stock 46266C105 282 1 SH   SOLE 0 1 0 0
Ishare MSCI Brazil Common Stock 464286400 3,199 114 SH   SOLE 0 114 0 0
Ishare Msci Netherland Common Stock 464286814 8,236 164 SH   SOLE 0 164 0 0
iShares 0-5 Yr TIPS Bond ETF Common Stock 46429B747 30,387 287 SH   SOLE 0 287 0 0
iShares Asia Pacific Div ETF Common Stock 464286293 4,221 114 SH   SOLE 0 114 0 0
iShares Barclays 3 to 7 yr Trsy Bd Fd Common Stock 464288661 58,071,408 451,320 SH   SOLE 0 449,458 0 1,862
iShares Broad USD High Yield Common Stock 46435U853 6,302 153 SH   SOLE 0 153 0 0
iShares Core Growth Allocation ETF Common Stock 464289867 18,548,945 324,964 SH   SOLE 0 324,964 0 0
iShares Core MSCI Europe ETF Common Stock 46434V738 139,863,259 2,404,801 SH   SOLE 0 2,394,433 0 10,368
iShares iBoxx $ Invest. Grade Corp Bd ETF Common Stock 464287242 203,285 1,534 SH   SOLE 0 1,534 0 0
Ishares Inc MSCI South Korea Index Fd. Common Stock 464286772 8,176 105 SH   SOLE 0 105 0 0
iShares Int Rate Hedged Corp Bd ETF Common Stock 46431W705 14,547 152 SH   SOLE 0 152 0 0
ishares Mortgage Real Estate ETF Common Stock 46435G342 5,107 148 SH   SOLE 0 148 0 0
iShares MSCI ACWI ETF Common Stock 464288257 9,517,767 89,977 SH   SOLE 0 89,977 0 0
iShares MSCI All Country Asia ex Japan ETF Common Stock 464288182 79,805 965 SH   SOLE 0 965 0 0
iShares MSCI Germany ETF Common Stock 464286806 13,964 426 SH   SOLE 0 426 0 0
IShares MSCI Taiwan Index Fund Common Stock 46434G772 11,523 173 SH   SOLE 0 173 0 0
iShares Russell 1000 Index Common Stock 464287622 269,454 1,019 SH   SOLE 0 1,019 0 0
iShares Russell 2000 Index Common Stock 464287655 48,271 217 SH   SOLE 0 217 0 0
iShares Russell 3000 ETF Common Stock 464287689 74,370 268 SH   SOLE 0 268 0 0
iShares S&P 500 Index Common Stock 464287200 140,235 294 SH   SOLE 0 286 0 8
iShares U.S. Financial Srvcs Common Stock 464287770 77,312,514 400,417 SH   SOLE 0 398,896 0 1,521
iShares US Preferred ETF Common Stock 464288687 9,581 243 SH   SOLE 0 243 0 0
Jacobs Engineering Group Common Stock 469814107 139 1 SH   SOLE 0 1 0 0
Johnson & Johnson Common Stock 478160104 46,516,156 271,913 SH   SOLE 0 268,077 0 3,836
Johnson Controls, Inc. Common Stock g51502105 243 3 SH   SOLE 0 3 0 0
JPMorgan Chase & Co. Common Stock 46625H100 43,287,347 273,365 SH   SOLE 0 269,515 0 3,850
Juniper Common Stock 48203R104 71 2 SH   SOLE 0 2 0 0
Keycorp New Common Stock 493267108 254 11 SH   SOLE 0 11 0 0
Keysight Technologies Inc Common Stock 49338L103 206 1 SH   SOLE 0 1 0 0
Kinder Morgan Inc Common Stock 49456B101 190 12 SH   SOLE 0 12 0 0
KLA-Tencor Corp Common Stock 482480100 430 1 SH   SOLE 0 1 0 0
L3Harris Technologies Common Stock 502431109 213 1 SH   SOLE 0 1 0 0
Laboratory Corp. Amer. Common Stock 50540R409 314 1 SH   SOLE 0 1 0 0
Lam Research Corp Common Stock 512807108 719 1 SH   SOLE 0 1 0 0
Las Vegas Sands Corp Common Stock 517834107 112 3 SH   SOLE 0 3 0 0
LEIDOS HLDGS INC Common Stock 525327102 88 1 SH   SOLE 0 1 0 0
Lennar Corp. Cl A Common Stock 526057104 232 2 SH   SOLE 0 2 0 0
LILLY ELI & CO Common Stock 532457108 1,657 6 SH   SOLE 0 6 0 0
Lincoln National Corp. Common Stock 534187109 136 2 SH   SOLE 0 2 0 0
Live Nation Inc. Common Stock 538034109 119 1 SH   SOLE 0 1 0 0
LKQ CORPORATION Common Stock 501889208 120 2 SH   SOLE 0 2 0 0
Lockheed Martin Corp. Common Stock 539830109 355 1 SH   SOLE 0 1 0 0
Loews Corporation Common Stock 540424108 115 2 SH   SOLE 0 2 0 0
Lowes Cos. Inc. Common Stock 548661107 1,550 6 SH   SOLE 0 6 0 0
Lumen Technologies Common Stock 550241103 112 9 SH   SOLE 0 9 0 0
M&T Bank Corporation Common Stock 55261F104 307 2 SH   SOLE 0 2 0 0
Marathon Oil Corp Common Stock 565849106 82 5 SH   SOLE 0 5 0 0
MARATHON PETROLEUM CORPORATION COMMON STOC Common Stock 56585A102 255 4 SH   SOLE 0 4 0 0
Marriot Int'l Inc. Common Stock 571903202 330 2 SH   SOLE 0 2 0 0
Marsh & Mclennan Cos Common Stock 571748102 1,042 6 SH   SOLE 0 6 0 0
MASCO Corp Common Stock 574599106 70 1 SH   SOLE 0 1 0 0
Mastercard Inc. Common Stock 57636Q104 44,507,171 123,865 SH   SOLE 0 122,224 0 1,641
Match Group Inc Common Stock 57667L107 396 3 SH   SOLE 0 3 0 0
McDonalds Corp Common Stock 580135101 1,608 6 SH   SOLE 0 6 0 0
McKesson Corp. Common Stock 58155Q103 248 1 SH   SOLE 0 1 0 0
Medtronic Inc. Common Stock G5960L103 36,981,512 357,482 SH   SOLE 0 352,407 0 5,075
Merck & Co Inc Common Stock 58933Y105 1,456 19 SH   SOLE 0 19 0 0
Meta Platforms Inc. Common Stock 30303M102 45,433,821 135,079 SH   SOLE 0 133,139 0 1,940
Metlife Inc Com Common Stock 59156R108 562 9 SH   SOLE 0 9 0 0
MGM Resorts International Common Stock 552953101 134 3 SH   SOLE 0 3 0 0
Microchip Technology Inc. Common Stock 595017104 348 4 SH   SOLE 0 4 0 0
Micron Technology Inc Com Common Stock 595112103 652 7 SH   SOLE 0 7 0 0
Microsoft Corp Common Stock 594918104 48,456,985 144,080 SH   SOLE 0 142,176 0 1,904
Moderna Inc. Common Stock 60770K107 761 3 SH   SOLE 0 3 0 0
Moodys Corp Com Common Stock 615369105 781 2 SH   SOLE 0 2 0 0
Morgan Stanley Common Stock 617446448 1,668 17 SH   SOLE 0 17 0 0
Motorola Solutions Inc Common Stock 620076307 271 1 SH   SOLE 0 1 0 0
MSCI Inc. Common Stock 55354G100 612 1 SH   SOLE 0 1 0 0
Nasdaq Stock Market (The) Common Stock 631103108 210 1 SH   SOLE 0 1 0 0
Netapp, Inc. Common Stock 64110D104 91 1 SH   SOLE 0 1 0 0
Netflix Inc Common Stock 64110L106 2,409 4 SH   SOLE 0 4 0 0
Newell Rubbermaid Inc Com Common Stock 651229106 65 3 SH   SOLE 0 3 0 0
News Corp. Inc. Class A Common Stock 65249B109 89 4 SH   SOLE 0 4 0 0
News Corp. Inc. Class B Common Stock 65249B208 22 1 SH   SOLE 0 1 0 0
Nielson Holdings NV Common Stock G6518L108 41 2 SH   SOLE 0 2 0 0
Nike, Inc. Class B Common Stock 654106103 1,666 10 SH   SOLE 0 10 0 0
Norfolk Southern Crp Common Stock 655844108 297 1 SH   SOLE 0 1 0 0
Northern Tr Corp Common Stock 665859104 239 2 SH   SOLE 0 2 0 0
Northrop Grumman Corp. Common Stock 666807102 387 1 SH   SOLE 0 1 0 0
NortonLife Lock Inc Common Stock 668771108 103 4 SH   SOLE 0 4 0 0
NORWEGIAN CRUISE LINE HLDS INC Common Stock G66721104 62 3 SH   SOLE 0 3 0 0
NVIDIA Corp Common Stock 67066G104 4,705 16 SH   SOLE 0 16 0 0
NXP SEMICONDUCTORS N.V. Common Stock N6596X109 455 2 SH   SOLE 0 2 0 0
Occidental Petroleum Corp Common Stock 674599105 173 6 SH   SOLE 0 6 0 0
Omnicom Group Common Stock 681919106 146 2 SH   SOLE 0 2 0 0
ONEOK INC NEW COM Common Stock 682680103 176 3 SH   SOLE 0 3 0 0
Oracle Corp. Common Stock 68389X105 959 11 SH   SOLE 0 11 0 0
O'Reilly Automotive Inc Common Stock 67103H107 706 1 SH   SOLE 0 1 0 0
ORGANON & CO Common Stock 68622V106 60 2 SH   SOLE 0 2 0 0
Otis Worldwide Corp Common Stock 68902V107 174 2 SH   SOLE 0 2 0 0
Paccar Inc Common Stock 693718108 176 2 SH   SOLE 0 2 0 0
Parker Hannifin Corp Com Common Stock 701094104 318 1 SH   SOLE 0 1 0 0
Paychex Inc Common Stock 704326107 273 2 SH   SOLE 0 2 0 0
PayPal Holdings, Inc. Common Stock 70450Y103 41,104,782 217,970 SH   SOLE 0 214,983 0 2,987
Penn National Gaming Inc. Common Stock 707569109 51 1 SH   SOLE 0 1 0 0
PENTAIR INC COM Common Stock G7S00T104 73 1 SH   SOLE 0 1 0 0
PEOPLES UTD FINL INC COM Common Stock 712704105 89 5 SH   SOLE 0 5 0 0
Perkinelmer Inc Com Common Stock 714046109 201 1 SH   SOLE 0 1 0 0
Pfizer Inc Common Stock 717081103 2,539 43 SH   SOLE 0 43 0 0
Phillips 66 Common Stock 718546104 217 3 SH   SOLE 0 3 0 0
PIONEER NAT RES CO COM Common Stock 723787107 181 1 SH   SOLE 0 1 0 0
PNC Financial Services Group Common Stock 693475105 23,127,174 115,336 SH   SOLE 0 113,708 0 1,628
Principal Financial Group Inc. Common Stock 74251V102 216 3 SH   SOLE 0 3 0 0
Procter & Gamble Co Common Stock 742718109 34,188 209 SH   SOLE 0 209 0 0
Progressive Corp. Ohio Common Stock 743315103 718 7 SH   SOLE 0 7 0 0
Prudential Financial Inc. Common Stock 744320102 541 5 SH   SOLE 0 5 0 0
PTC Inc Common Stock 69370C100 121 1 SH   SOLE 0 1 0 0
Pulte Homes Common Stock 745867101 114 2 SH   SOLE 0 2 0 0
PVH Corp. Com USD1 Common Stock 693656100 106 1 SH   SOLE 0 1 0 0
Qorvo Inc Common Stock 74736K101 156 1 SH   SOLE 0 1 0 0
Qualcomm Inc. Common Stock 747525103 30,064,010 164,401 SH   SOLE 0 162,039 0 2,362
Quanta Services Inc Common Stock 74762E102 114 1 SH   SOLE 0 1 0 0
Quest Diagnostics Inc. Common Stock 74834L100 173 1 SH   SOLE 0 1 0 0
RAYMOND JAMES FINL INC COM Common Stock 754730109 200 2 SH   SOLE 0 2 0 0
Raytheon Technologies Common Stock 75513E101 602 7 SH   SOLE 0 7 0 0
Regeneron Pharmaceuticals Common Stock 75886F107 631 1 SH   SOLE 0 1 0 0
Regions Financial Corp. Common Stock 7591EP100 239 11 SH   SOLE 0 11 0 0
REPUBLIC SVCS INC COM Common Stock 760759100 139 1 SH   SOLE 0 1 0 0
ResMed Inc. Common Stock 761152107 260 1 SH   SOLE 0 1 0 0
Rockwell Automation Common Stock 773903109 348 1 SH   SOLE 0 1 0 0
ROLLINS INC COM Common Stock 775711104 34 1 SH   SOLE 0 1 0 0
Ross Stores Inc Com Common Stock 778296103 342 3 SH   SOLE 0 3 0 0
ROYAL CARIBBEAN CRUISE COM Common Stock V7780T103 153 2 SH   SOLE 0 2 0 0
S&P Global Inc. Common Stock 78409V104 1,415 3 SH   SOLE 0 3 0 0
Salesforce.com, Inc. Common Stock 79466L302 47,292,576 186,096 SH   SOLE 0 183,428 0 2,668
Schein (Henry) Inc. Common Stock 806407102 77 1 SH   SOLE 0 1 0 0
Schlumberger Limited Common Stock 806857108 269 9 SH   SOLE 0 9 0 0
SEAGATE TECHNOLOGY. Common Stock G7997R103 112 1 SH   SOLE 0 1 0 0
ServiceNow Inc. Common Stock 81762P102 649 1 SH   SOLE 0 1 0 0
Signature Bank Common Stock 82669G104 323 1 SH   SOLE 0 1 0 0
Skyworks Solutions Inc Common Stock 83088M102 155 1 SH   SOLE 0 1 0 0
Smith AO Common Stock 831865209 85 1 SH   SOLE 0 1 0 0
Southwest Airlines Common Stock 844741108 128 3 SH   SOLE 0 3 0 0
SPDR Gold MiniSharesTrust Common Stock 98149E204 20,452 1,125 SH   SOLE 0 1,125 0 0
SPDR Portfolio Short Term Corp. Bd. ETF Common Stock 78464A474 124,184,342 4,009,827 SH   SOLE 0 3,993,289 0 16,538
SPDR S&P 500 ETF Trust Common Stock 78462F103 7,151,947 15,058 SH   SOLE 0 15,011 0 47
Stanley Black and Decker Inc Common Stock 854502101 188 1 SH   SOLE 0 1 0 0
Starbucks Corp Common Stock 855244109 1,169 10 SH   SOLE 0 10 0 0
State Street Corp Common Stock 857477103 372 4 SH   SOLE 0 4 0 0
STERIS CORP COM Common Stock G8473T100 243 1 SH   SOLE 0 1 0 0
Stryker Corp Com Common Stock 863667101 802 3 SH   SOLE 0 3 0 0
SVB FINL GROUP COM Common Stock 78486Q101 678 1 SH   SOLE 0 1 0 0
SYNCHRONY FINL Common Stock 87165B103 324 7 SH   SOLE 0 7 0 0
Synopsys Inc Com Common Stock 871607107 368 1 SH   SOLE 0 1 0 0
T.Rowe Price Common Stock 74144T108 589 3 SH   SOLE 0 3 0 0
TAKE TWO INTERACTIVE SOFTWARE Common Stock 874054109 177 1 SH   SOLE 0 1 0 0
Tapestry Inc Common Stock 876030107 81 2 SH   SOLE 0 2 0 0
Target Corp. Common Stock 87612E106 925 4 SH   SOLE 0 4 0 0
TE CONNECTIVITY LTD SHS Common Stock H84989104 322 2 SH   SOLE 0 2 0 0
Technology Select Sector SPDR Fund Common Stock 81369Y803 457,498,810 2,631,269 SH   SOLE 0 2,621,320 0 9,949
Teradyne Inc Com Common Stock 880770102 163 1 SH   SOLE 0 1 0 0
TESLA MOTORS INC Common Stock 88160R101 7,397 7 SH   SOLE 0 7 0 0
Texas Instruments Inc. Common Stock 882508104 1,130 6 SH   SOLE 0 6 0 0
Textron Inc Common Stock 883203101 77 1 SH   SOLE 0 1 0 0
Thermo Fisher Scientific Common Stock 883556102 2,001 3 SH   SOLE 0 3 0 0
TJX Companies Common Stock 872540109 51,040,484 672,293 SH   SOLE 0 662,773 0 9,520
T-Mobile US, Inc. Common Stock 872590104 695 6 SH   SOLE 0 6 0 0
Tractor Supply Co Common Stock 892356106 238 1 SH   SOLE 0 1 0 0
Trane Technologies Common Stock G8994E103 202 1 SH   SOLE 0 1 0 0
Travelers Companies Common Stock 89417E109 469 3 SH   SOLE 0 3 0 0
TRIMBLE NAVIGATION LTD COM Common Stock 896239100 174 2 SH   SOLE 0 2 0 0
Truist Financial Corp Common Stock 89832Q109 936 16 SH   SOLE 0 16 0 0
Twitter, Inc. Common Stock 90184L102 345 8 SH   SOLE 0 8 0 0
U.S. Bancorp Common Stock 902973304 898 16 SH   SOLE 0 16 0 0
Under Armour Inc Cl A Common Stock 904311107 42 2 SH   SOLE 0 2 0 0
UNDER ARMOUR INC CL C Common Stock 904311206 36 2 SH   SOLE 0 2 0 0
Union Pacific Corp Common Stock 907818108 31,995 127 SH   SOLE 0 127 0 0
UNITED CONTINENTAL HOLDINGS INC Common Stock 910047109 43 1 SH   SOLE 0 1 0 0
United Parcel Svc Inc Cl B Common Stock 911312106 643 3 SH   SOLE 0 3 0 0
UnitedHealth Group, Inc. Common Stock 91324P102 55,373,990 110,276 SH   SOLE 0 108,782 0 1,494
UNIVERSAL HLTH SVCS CL B Common Stock 913903100 129 1 SH   SOLE 0 1 0 0
Valero Energy Common Stock 91913Y100 225 3 SH   SOLE 0 3 0 0
Vanguard FTSE All-World ex-US ETF Common Stock 922042775 325,446,007 5,310,803 SH   SOLE 0 5,287,597 0 23,206
Vanguard FTSE Pacific ETF Common Stock 922042866 180,792,621 2,317,557 SH   SOLE 0 2,307,602 0 9,955
Vanguard Intermediate Term Corp Bond Common Stock 92206C870 251,480,151 2,711,084 SH   SOLE 0 2,699,849 0 11,235
Vanguard Intl High Dividend Yield ETF Common Stock 921946794 8,530 127 SH   SOLE 0 127 0 0
Vanguard Total World Stock ETF Common Stock 922042742 337,437 3,141 SH   SOLE 0 2,356 0 785
Verisign Inc Common Stock 92343E102 253 1 SH   SOLE 0 1 0 0
Verisk Analytics Inc Common Stock 92345Y106 228 1 SH   SOLE 0 1 0 0
Verizon Comm. Inc. Common Stock 92343V104 2,130 41 SH   SOLE 0 41 0 0
Vertex Pharmaceuticals Inc. Common Stock 92532F100 439 2 SH   SOLE 0 2 0 0
VF Corp. Common Stock 918204108 219 3 SH   SOLE 0 3 0 0
ViacomCBS Inc Cl B Common Stock 92556H206 181 6 SH   SOLE 0 6 0 0
Viatris Inc Common Stock 92556V106 121 9 SH   SOLE 0 9 0 0
VISA INC COM CL A Common Stock 92826C839 2,383 11 SH   SOLE 0 11 0 0
WABTEC CORP COM Common Stock 929740108 92 1 SH   SOLE 0 1 0 0
Waste Management Inc. Common Stock 94106L109 333 2 SH   SOLE 0 2 0 0
Wells Fargo & Co New Common Stock 949746101 22,982,372 478,999 SH   SOLE 0 472,211 0 6,788
WEST PHARMA SVCS INC Common Stock 955306105 469 1 SH   SOLE 0 1 0 0
WESTERN DIGITAL CORP COM Common Stock 958102105 130 2 SH   SOLE 0 2 0 0
Williams Cos. Inc. Common Stock 969457100 208 8 SH   SOLE 0 8 0 0
Willis Towers Watson Pub Common Stock G96629103 237 1 SH   SOLE 0 1 0 0
Wynn Resorts Ltd. Common Stock 983134107 85 1 SH   SOLE 0 1 0 0
Xilinx Inc. Common Stock 983919101 424 2 SH   SOLE 0 2 0 0
Xylem Inc Common Stock 98419M100 119 1 SH   SOLE 0 1 0 0
Yum! Brands Inc Common Stock 988498101 277 2 SH   SOLE 0 2 0 0
ZIMMER BIOMET HOLDINGS Common Stock 98956P102 254 2 SH   SOLE 0 2 0 0
ZIONS BANCORPORATION COM Common Stock 989701107 126 2 SH   SOLE 0 2 0 0
ZOETIS INC CL A Common Stock 98978V103 976 4 SH   SOLE 0 4 0 0
ISHARES CORE MODERATE ALLOCA Common Stock 464289875 1,244,332 27,366 SH   SOLE 0 27,366 0 0
ISHARES GLOBAL 100 ETF Common Stock 464287572 65,762 843 SH   SOLE 0 843 0 0