WestEnd Advisors 13F-HR Quarterly holdings report by institutional manager

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
Expires:	Oct 31, 2018
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