Hanson & Doremus Investment Management 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
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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 Company	COMMON	88579Y101	140	1,285	SH		SOLE		1,285	0	0
A E S Corp	COMMON	00130H105	32	1,650	SH		SOLE		1,650	0	0
A F L A C Inc.	COMMON	001055102	88	1,071	SH		SOLE		1,071	0	0
Abbott Laboratories	COMMON	002824100	1,253	11,381	SH		SOLE		11,381	0	0
AbbVie Inc.	COMMON	00287Y109	1,201	7,749	SH		SOLE		7,749	0	0
Aberdeen Asia Pac Income Fd	COMMON	003009107	109	40,073	SH		SOLE		40,073	0	0
Aberdeen Physical Swiss Gold ETF	ETF	00326A104	8	400	SH		SOLE		400	0	0
Accenture Ltd Cl A	COMMON	G1151C101	161	459	SH		SOLE		384	0	75
ACNB Corporation	COMMON	000868109	28	625	SH		SOLE		625	0	0
Adobe Systems Inc.	COMMON	00724F101	78	130	SH		SOLE		130	0	0
Advanced Micro Devices	COMMON	007903107	103	702	SH		SOLE		702	0	0
Aecom	COMMON	00766T100	14	149	SH		SOLE		149	0	0
Air Products & Chemicals Inc.	COMMON	009158106	974	3,557	SH		SOLE		3,557	0	0
Alerus Finl Corp	COMMON	01446U103	7	300	SH		SOLE		300	0	0
Alexander & Baldwin Inc	COMMON	014491104	17	900	SH		SOLE		900	0	0
Algonquin Power & Utilities Corp	COMMON	015857105	13	2,000	SH		SOLE		2,000	0	0
Allegion Public Ltd Co	COMMON	G0176J109	25	200	SH		SOLE		200	0	0
Alliant Energy Corp	COMMON	018802108	552	10,753	SH		SOLE		9,566	0	1,187
Allstate	COMMON	020002101	288	2,060	SH		SOLE		2,060	0	0
Alphabet, Inc Cl C	COMMON	02079K107	4,013	28,476	SH		SOLE		27,636	0	840
Alphabet, Inc. Cl A	COMMON	02079K305	4,606	32,975	SH		SOLE		30,751	0	2,224
ALPS Alerian MLP ETF	ETF	00162Q452	1	19	SH		SOLE		19	0	0
Altria Group Inc.	COMMON	02209S103	7	170	SH		SOLE		170	0	0
Amazon.Com	COMMON	023135106	4,410	29,022	SH		SOLE		27,519	0	1,503
America Movil L ADR	ADR	02390A101	67	3,600	SH		SOLE		3,600	0	0
American Express Company	COMMON	025816109	529	2,824	SH		SOLE		2,824	0	0
American Int'l Group	COMMON	026874784	20	300	SH		SOLE		300	0	0
Ameriprise Financial Inc.	COMMON	03076C106	164	433	SH		SOLE		433	0	0
Amgen Incorporated	COMMON	031162100	414	1,439	SH		SOLE		1,439	0	0
Amkor Technology Inc	COMMON	031652100	1,272	38,243	SH		SOLE		38,243	0	0
Annaly Capital Mgmt	COMMON	035710839	15	750	SH		SOLE		750	0	0
Anthem Inc	COMMON	036752103	92	195	SH		SOLE		195	0	0
Apollo Global Management, Inc.	COMMON	03769M106	0	4	SH		SOLE		4	0	0
Apple Inc.	COMMON	037833100	6,024	31,290	SH		SOLE		29,710	0	1,580
Applied Materials	COMMON	038222105	129	798	SH		SOLE		798	0	0
AptarGroup, Inc	COMMON	038336103	1,578	12,764	SH		SOLE		12,067	0	697
Aptiv PLC	COMMON	G6095L109	18	200	SH		SOLE		200	0	0
Archer-Daniels-Midland Inc.	COMMON	039483102	181	2,508	SH		SOLE		520	0	1,988
Ares Capital Corp	COMMON	04010L103	0	23	SH		SOLE		23	0	0
Ares Management Corp	COMMON	03990B101	1	8	SH		SOLE		8	0	0
ARK Next Generation Internet ETF	ETF	00214Q401	7	98	SH		SOLE		98	0	0
Arrowhead Pharma Inc	COMMON	04280A100	10	320	SH		SOLE		320	0	0
Astec Industries	COMMON	046224101	162	4,363	SH		SOLE		2,963	0	1,400
AstraZeneca plc ADR	ADR	046353108	1,024	15,210	SH		SOLE		15,080	0	130
AT&T Inc.	COMMON	00206R102	298	17,779	SH		SOLE		17,253	0	526
Atlantica yield plc	COMMON	G0751N103	13	600	SH		SOLE		600	0	0
Atmos Energy Corp	COMMON	049560105	17	150	SH		SOLE		150	0	0
Auto Data Processing	COMMON	053015103	437	1,876	SH		SOLE		1,876	0	0
Avalon Bay Communities	COMMON	053484101	1	3	SH		SOLE		3	0	0
Avery Dennison	COMMON	053611109	42	208	SH		SOLE		208	0	0
Baidu Inc ADR	ADR	056752108	67	560	SH		SOLE		560	0	0
Bank of America Corp	COMMON	060505104	84	2,484	SH		SOLE		2,484	0	0
Bank of New York Mellon	COMMON	064058100	83	1,602	SH		SOLE		1,602	0	0
Baxter International	COMMON	071813109	196	5,080	SH		SOLE		5,080	0	0
BCE Inc.	COMMON	05534B760	116	2,943	SH		SOLE		2,240	0	703
Becton Dickinson & Co	COMMON	075887109	716	2,937	SH		SOLE		2,937	0	0
Biogen Idec Inc	COMMON	09062X103	136	525	SH		SOLE		525	0	0
Blackrock Inc	COMMON	09247X101	136	168	SH		SOLE		168	0	0
Blackstone Group Lp	COMMON	09260D107	1	5	SH		SOLE		5	0	0
Blkrck Muniyield Qlty Fd	COMMON	09254F100	16	1,300	SH		SOLE		1,300	0	0
Boeing Co.	COMMON	097023105	4,894	18,774	SH		SOLE		17,613	0	1,161
Booz Allen Hamilton Holding Corp	COMMON	099502106	1	8	SH		SOLE		8	0	0
Borg Warner Inc	COMMON	099724106	400	11,144	SH		SOLE		10,964	0	180
BP plc ADR	ADR	055622104	19	528	SH		SOLE		528	0	0
Bristol Myers	COMMON	110122108	1,712	33,371	SH		SOLE		30,064	0	3,307
Broadcom Ltd	COMMON	11135F101	134	120	SH		SOLE		120	0	0
Broadridge Finl Solution	COMMON	11133T103	144	700	SH		SOLE		700	0	0
Brookfield Asset Management	COMMON	113004105	70	1,748	SH		SOLE		1,748	0	0
Brookfield Corp	COMMON	11271J107	279	6,951	SH		SOLE		6,951	0	0
Brookfield Renewable Corp Ordinary Shares - Class	COMMON	11284V105	406	14,094	SH		SOLE		14,094	0	0
Cambria Cannabis ETF	ETF	132061821	1	100	SH		SOLE		100	0	0
Canadian Natl Ry Co	COMMON	136375102	19	150	SH		SOLE		150	0	0
Canadian Pacific	COMMON	13646K108	39	498	SH		SOLE		498	0	0
Capital One Financial	COMMON	14040H105	104	793	SH		SOLE		793	0	0
Carrier Global Corp-Wi	COMMON	14448C104	139	2,422	SH		SOLE		1,752	0	670
Caterpillar	COMMON	149123101	2,609	8,823	SH		SOLE		8,415	0	408
CBRE Group Inc	COMMON	12504L109	345	3,708	SH		SOLE		3,708	0	0
Cencora, Inc	COMMON	03073E105	30	146	SH		SOLE		107	0	39
Charter Communications Inc	COMMON	16119P108	96	248	SH		SOLE		248	0	0
Chemed Corp.	COMMON	16359R103	1,907	3,262	SH		SOLE		3,262	0	0
Chemours Co LLC	COMMON	163851108	6	185	SH		SOLE		185	0	0
Cheniere Energy Inc New	COMMON	16411R208	20	120	SH		SOLE		120	0	0
Chevron Corp.	COMMON	166764100	631	4,230	SH		SOLE		4,171	0	59
China Automotive Systems Inc	COMMON	16936R105	54	16,664	SH		SOLE		16,664	0	0
Chubb Limited	COMMON	H1467J104	2,368	10,477	SH		SOLE		10,024	0	453
Cigna Corp	COMMON	125523100	251	838	SH		SOLE		838	0	0
Cincinnati Financial Corp	COMMON	172062101	40	390	SH		SOLE		390	0	0
Cintas Corp.	COMMON	172908105	10	17	SH		SOLE		17	0	0
Cisco Systems, Inc.	COMMON	17275R102	3,147	62,289	SH		SOLE		59,659	0	2,630
Citigroup	COMMON	172967424	163	3,172	SH		SOLE		3,172	0	0
Clorox Company	COMMON	189054109	14	100	SH		SOLE		100	0	0
CME Group Inc.	COMMON	12572Q105	446	2,117	SH		SOLE		2,117	0	0
Coca-Cola Co	COMMON	191216100	3,746	63,566	SH		SOLE		59,311	0	4,255
Colgate-Palmolive	COMMON	194162103	512	6,429	SH		SOLE		6,429	0	0
Comcast Corp.	COMMON	20030N101	272	6,209	SH		SOLE		6,209	0	0
Comerica Incorporated	COMMON	200340107	112	2,000	SH		SOLE		2,000	0	0
Communication Services Sel Sect SPDRETF	ETF	81369Y852	4	50	SH		SOLE		50	0	0
Community Bank System	COMMON	203607106	369	7,072	SH		SOLE		6,082	0	990
Conoco Phillips	COMMON	20825C104	845	7,284	SH		SOLE		5,734	0	1,550
Consolidated Edison Inc.	COMMON	209115104	90	985	SH		SOLE		985	0	0
Constellation Brand Cl Aclass A	COMMON	21036P108	29	119	SH		SOLE		119	0	0
Constellation Energy Co.	COMMON	21037T109	19	163	SH		SOLE		163	0	0
COPT Defense Properties	COMMON	22002T108	9	343	SH		SOLE		343	0	0
Corning	COMMON	219350105	4,324	142,010	SH		SOLE		135,820	0	6,190
Corteva Inc com	COMMON	22052L104	40	843	SH		SOLE		843	0	0
Costco	COMMON	22160K105	7,000	10,605	SH		SOLE		9,651	0	954
Crown Castle International Corp	COMMON	22822V101	3	30	SH		SOLE		30	0	0
CSX Corp	COMMON	126408103	320	9,240	SH		SOLE		9,240	0	0
Cullen Frost Bankers	COMMON	229899109	0	3	SH		SOLE		3	0	0
CVS Corp	COMMON	126650100	415	5,262	SH		SOLE		3,949	0	1,313
Danaher Corp	COMMON	235851102	35	150	SH		SOLE		150	0	0
Deere & Company	COMMON	244199105	998	2,495	SH		SOLE		2,495	0	0
Delta Airlines	COMMON	247361702	20	500	SH		SOLE		500	0	0
Devon Energy Corp	COMMON	25179M103	48	1,051	SH		SOLE		1,051	0	0
Digital Realty Trust REIT	REIT	253868103	175	1,301	SH		SOLE		1,301	0	0
Dominion Energy	COMMON	25746U109	206	4,388	SH		SOLE		4,388	0	0
Dover Corporation	COMMON	260003108	56	362	SH		SOLE		362	0	0
Dow In	COMMON	260557103	152	2,778	SH		SOLE		2,547	0	231
Dr Reddys Labs ADR	ADR	256135203	372	5,344	SH		SOLE		4,359	0	985
Duke Energy Corp.	COMMON	26441C204	1,747	17,998	SH		SOLE		17,531	0	467
E Bay Inc.	COMMON	278642103	21	475	SH		SOLE		275	0	200
E I DuPont	COMMON	26614N102	1,986	25,821	SH		SOLE		24,311	0	1,510
E O G Resources Inc	COMMON	26875P101	16	132	SH		SOLE		132	0	0
East West Bancorp	COMMON	27579R104	554	7,697	SH		SOLE		7,697	0	0
Eastman Chemical Co.	COMMON	277432100	18	200	SH		SOLE		200	0	0
Eaton Corp.	COMMON	G29183103	530	2,203	SH		SOLE		2,203	0	0
Ecofin Global Water ESG	COMMON	56167N753	34	772	SH		SOLE		772	0	0
Ecolab Inc.	COMMON	278865100	44	222	SH		SOLE		222	0	0
Edison International	COMMON	281020107	176	2,461	SH		SOLE		2,461	0	0
Element Fleet Management Corp	COMMON	286181201	63	3,900	SH		SOLE		1,150	0	2,750
Eli Lilly & Co.	COMMON	532457108	1,980	3,397	SH		SOLE		3,397	0	0
Emerson Electric Co.	COMMON	291011104	1,673	17,188	SH		SOLE		16,356	0	832
EMQQ Emerging Markets Intrnt & Ecmrc ETF	ETF	301505889	75	2,449	SH		SOLE		2,394	0	55
Energy Transfer Equity LP	COMMON	29273V100	27	1,952	SH		SOLE		1,952	0	0
Enterprise Products Prtn LP	COMMON	293792107	140	5,307	SH		SOLE		5,307	0	0
Equifax Inc	COMMON	294429105	92	373	SH		SOLE		373	0	0
Equity Residential Prop. REIT	REIT	29476L107	191	3,127	SH		SOLE		1,530	0	1,597
Essential utilities ord	COMMON	29670G102	117	3,142	SH		SOLE		3,142	0	0
Eversource Energy	COMMON	30040W108	20	328	SH		SOLE		328	0	0
Expeditors Int'l of Washington	COMMON	302130109	81	640	SH		SOLE		640	0	0
Exxon Mobil Corporation	COMMON	30231G102	2,168	21,686	SH		SOLE		19,504	0	2,182
Facebook Inc Class A	COMMON	30303M102	146	413	SH		SOLE		413	0	0
Fedex Corporation	COMMON	31428X106	1,209	4,780	SH		SOLE		4,780	0	0
Fidelity National Financial, Inc.	COMMON	31620R303	0	7	SH		SOLE		7	0	0
Fidelity MSCI Health Care ETF	ETF	316092600	46	711	SH		SOLE		0	0	711
Fidelity MSCI Utilities ETF	ETF	316092865	25	613	SH		SOLE		0	0	613
Fidus Investment Corp	COMMON	316500107	20	1,035	SH		SOLE		1,035	0	0
First Solar Inc	COMMON	336433107	2,052	11,910	SH		SOLE		10,338	0	1,572
First Trust Cloud Computing ETF	ETF	33734X192	93	1,059	SH		SOLE		1,059	0	0
First Trust NASDAQ Cybersecurity ETF	ETF	33734X846	92	1,710	SH		SOLE		1,710	0	0
Fortinet Inc	COMMON	34959E109	165	2,825	SH		SOLE		2,825	0	0
GE Healthcare	COMMON	36266G107	78	1,015	SH		SOLE		883	0	132
Generac Holdings Inc	COMMON	368736104	281	2,172	SH		SOLE		2,172	0	0
General Electric Co.	COMMON	369604301	519	4,068	SH		SOLE		3,672	0	396
General Mills, Inc.	COMMON	370334104	119	1,832	SH		SOLE		1,832	0	0
Genuine Parts Co	COMMON	372460105	35	250	SH		SOLE		250	0	0
Gilat Satellite Networks Ltd	COMMON	M51474118	35	5,652	SH		SOLE		5,652	0	0
Gilead Sciences Inc	COMMON	375558103	169	2,091	SH		SOLE		2,091	0	0
Global X S&P 500 Catholic Values ETF	ETF	37954Y889	256	4,415	SH		SOLE		4,415	0	0
GlobalFoundries, Inc	COMMON	G39387108	4	65	SH		SOLE		65	0	0
Goldman Sachs Group Inc	COMMON	38141G104	250	647	SH		SOLE		647	0	0
Guggenheim S&P Global Water Index	ETF	46138E263	28	534	SH		SOLE		0	0	534
Halliburton Company	COMMON	406216101	49	1,359	SH		SOLE		1,359	0	0
Hanesbrands Inc.	COMMON	410345102	25	5,609	SH		SOLE		3,609	0	2,000
Hershey Foods Corp	COMMON	427866108	171	915	SH		SOLE		915	0	0
Hess Corporation	COMMON	42809H107	56	390	SH		SOLE		390	0	0
Home Depot	COMMON	437076102	720	2,077	SH		SOLE		2,077	0	0
Honeywell International	COMMON	438516106	3,152	15,031	SH		SOLE		14,420	0	611
Hormel Foods Corp	COMMON	440452100	21	640	SH		SOLE		640	0	0
HSBC Holdings PLC ADR	ADR	404280406	33	809	SH		SOLE		809	0	0
Humana	COMMON	444859102	526	1,148	SH		SOLE		1,148	0	0
IBM Corp.	COMMON	459200101	3,903	23,861	SH		SOLE		21,470	0	2,391
Illinois Tool Works	COMMON	452308109	240	916	SH		SOLE		916	0	0
Imperial Oil Ltd	COMMON	453038408	186	3,259	SH		SOLE		3,259	0	0
India Fund	COMMON	454089103	13	695	SH		SOLE		695	0	0
Ingersoll Rand Inc	COMMON	45687V106	35	454	SH		SOLE		454	0	0
Ingredion Incorporated	COMMON	457187102	2,626	24,194	SH		SOLE		23,493	0	701
Integer Holdings Corp	COMMON	45826H109	760	7,674	SH		SOLE		7,399	0	275
Intel Corp.	COMMON	458140100	811	16,146	SH		SOLE		15,211	0	935
International Flavors & Fragrances Inc	COMMON	459506101	2,556	31,564	SH		SOLE		29,986	0	1,578
Intuit	COMMON	461202103	18	28	SH		SOLE		28	0	0
Invesco Cleantech ETF	ETF	46137V407	7	140	SH		SOLE		140	0	0
Invesco Global Water ETF	ETF	46138E651	70	1,764	SH		SOLE		1,764	0	0
Iqvia Hldgs Inc	COMMON	46266C105	8	36	SH		SOLE		36	0	0
Iron Mountain Inc REIT	REIT	46284V101	33	475	SH		SOLE		0	0	475
Ishares 20 Yr Treas. Barclays ETF	ETF	464287432	38	380	SH		SOLE		380	0	0
iShares 5-10 Yr Corporate Bond ETF	ETF	464288638	124	2,375	SH		SOLE		1,080	0	1,295
iShares Barclays 3-7 Treasury ETF	ETF	464288661	12	99	SH		SOLE		99	0	0
iShares Core Dividend Growth ETF	ETF	46434V621	439	8,148	SH		SOLE		8,148	0	0
iShares Core International Bond ETF	ETF	46435G672	77	1,537	SH		SOLE		1,537	0	0
iShares Core MSCI EAFE ETF	ETF	46432F842	26	364	SH		SOLE		0	0	364
iShares Core MSCI ETF	ETF	46434G103	384	7,597	SH		SOLE		4,700	0	2,897
iShares Core Total USD Bond Market ETF	ETF	46434V613	13	287	SH		SOLE		287	0	0
iShares DJ US Financial ETF	ETF	464287788	95	1,108	SH		SOLE		1,108	0	0
iShares Dow J. Healthcare ETF	ETF	464287762	136	474	SH		SOLE		474	0	0
iShares ESG Aware MSCI EAFE ETF	ETF	46435G516	302	3,995	SH		SOLE		3,995	0	0
iShares Expanded Tech-Software Sect ETF	ETF	464287515	206	508	SH		SOLE		508	0	0
iShares Global Clean Energy	ETF	464288224	262	16,824	SH		SOLE		16,824	0	0
iShares Global Energy ETF	ETF	464287341	1	16	SH		SOLE		16	0	0
Ishares Gold ETF	ETF	464285204	729	18,676	SH		SOLE		16,308	0	2,368
iShares iBoxx Inv. Grade ETF	ETF	464287242	2	21	SH		SOLE		21	0	0
iShares JPM Em Mkt Bond ETF	ETF	464288281	1	9	SH		SOLE		9	0	0
iShares Lehman Agg Bond Fd ETF	ETF	464287226	347	3,492	SH		SOLE		3,492	0	0
iShares MBS ETF	ETF	464288588	5	49	SH		SOLE		49	0	0
iShares MSCI EAFE ETF	ETF	464287465	253	3,360	SH		SOLE		3,360	0	0
iShares MSCI EAFE Growth ETF	ETF	464288885	3	29	SH		SOLE		29	0	0
iShares MSCI EAFE Value	ETF	464288877	5	87	SH		SOLE		87	0	0
iShares MSCI Emerging Market ETF	ETF	464287234	18	453	SH		SOLE		0	0	453
iShares MSCI Emerging Markets ex China ETF	ETF	46434G764	1	14	SH		SOLE		14	0	0
iShares MSCI Global Gold Miners ETF	ETF	46434G855	54	2,183	SH		SOLE		0	0	2,183
iShares MSCI Taiwan Index ETF	ETF	46434G772	66	1,425	SH		SOLE		0	0	1,425
iShares MSCI USA Quality Factor ETF	ETF	46432F339	5	37	SH		SOLE		37	0	0
iShares NASDAQ Biotech ETF	ETF	464287556	553	4,069	SH		SOLE		3,668	0	401
iShares Russell 1000 Growth ETF	ETF	464287614	69	227	SH		SOLE		227	0	0
iShares Russell 1000 Val ETF	ETF	464287598	4,476	27,086	SH		SOLE		27,086	0	0
iShares Russell 2000 Growth ETF	ETF	464287648	14	54	SH		SOLE		54	0	0
Ishares Russell 2000 Value ETF	ETF	464287630	23	151	SH		SOLE		151	0	0
iShares Russell Midcap Grth ETF	ETF	464287481	66	628	SH		SOLE		628	0	0
iShares S&P 500 Growth ETF	ETF	464287309	2	21	SH		SOLE		21	0	0
iShares S&P 500 Index ETF	ETF	464287200	542	1,135	SH		SOLE		1,135	0	0
iShares S&P Midcap 400 Index ETF	ETF	464287507	148	535	SH		SOLE		364	0	171
iShares S&P Mid-Cap Grow ETF	ETF	464287606	31	396	SH		SOLE		396	0	0
iShares S&P Sm Cap Idx 600 ETF	ETF	464287804	301	2,780	SH		SOLE		1,852	0	928
iShares S&P U S Pfd Stk ETF	ETF	464288687	1	47	SH		SOLE		47	0	0
iShares Select Dividend Idx ETF	ETF	464287168	109	932	SH		SOLE		932	0	0
iShares TIPS Bond ETF	ETF	464287176	491	4,564	SH		SOLE		4,223	0	341
iShares Tr DJ U S Tech Sector ETF	ETF	464287721	112	915	SH		SOLE		915	0	0
iShares TR S&P 100 ETF	ETF	464287101	2	7	SH		SOLE		7	0	0
iShares Treasury Floating Rate Bond ETF	ETF	46434V860	4	71	SH		SOLE		71	0	0
iShares U.S. Infrastructure ETF	ETF	46435U713	1	19	SH		SOLE		19	0	0
Jacobs Engineering Group Inc	COMMON	46982L108	39	303	SH		SOLE		303	0	0
Janus Henderson AAA CLO ETF	ETF	47103U845	4	88	SH		SOLE		88	0	0
Jefferies Finl Group Inc	COMMON	47233W109	27	675	SH		SOLE		675	0	0
Johnson & Johnson	COMMON	478160104	2,072	13,220	SH		SOLE		12,466	0	754
Johnson Controls Inc.	COMMON	G51502105	26	450	SH		SOLE		450	0	0
JP Morgan Chase & Co	COMMON	46625H100	3,098	18,212	SH		SOLE		16,889	0	1,323
JPMorgan Nasdaq Equity Premium Income ETF	COMMON	46654Q203	4	88	SH		SOLE		88	0	0
JPMorgan Ultra-Short Income ETF	ETF	46641Q837	44	881	SH		SOLE		881	0	0
Kennedy-Wilson Holdings Inc	COMMON	489398107	31	2,500	SH		SOLE		2,500	0	0
Kenvue Inc.	COMMON	49177J102	145	6,748	SH		SOLE		6,748	0	0
Kilroy Realty Corp REIT	REIT	49427F108	2,246	56,377	SH		SOLE		53,949	0	2,428
Kimberly-Clark Corp.	COMMON	494368103	271	2,229	SH		SOLE		2,229	0	0
KLA-Tencor Corporation	COMMON	482480100	91	157	SH		SOLE		157	0	0
Kon Philips Electric NV	COMMON	500472303	52	2,250	SH		SOLE		2,250	0	0
Kraft Heinz Company	COMMON	500754106	445	12,027	SH		SOLE		11,944	0	83
Laboratory Corp of America Hlds	COMMON	50540R409	152	670	SH		SOLE		439	0	231
Lam Research	COMMON	512807108	7	9	SH		SOLE		9	0	0
Lennar Corp. Cl A	COMMON	526057104	14	96	SH		SOLE		96	0	0
Linde plc	COMMON	G54950103	35	85	SH		SOLE		85	0	0
Lockheed Martin	COMMON	539830109	66	146	SH		SOLE		146	0	0
Loews Corp	COMMON	540424108	162	2,321	SH		SOLE		2,321	0	0
Lowes Companies Inc.	COMMON	548661107	245	1,102	SH		SOLE		1,102	0	0
Lululemon Athletica Inc	COMMON	550021109	13	25	SH		SOLE		25	0	0
M K S Instruments Inc.	COMMON	55306N104	647	6,289	SH		SOLE		6,289	0	0
M&T Bank Corp	COMMON	55261F104	1,005	7,335	SH		SOLE		7,166	0	169
M.D.C. Holdings, Inc.	COMMON	552676108	0	6	SH		SOLE		6	0	0
Marathon Petroleum Corp	COMMON	56585A102	380	2,559	SH		SOLE		2,559	0	0
Marsh & McLennan Co's	COMMON	571748102	69	362	SH		SOLE		362	0	0
Mastercard Inc	COMMON	57636Q104	246	576	SH		SOLE		576	0	0
McCormick & Co Inc. non-voting	COMMON	579780206	0	5	SH		SOLE		5	0	0
McDonald's Corp	COMMON	580135101	860	2,900	SH		SOLE		2,900	0	0
McKesson Corp.	COMMON	58155Q103	2,003	4,326	SH		SOLE		4,128	0	198
Medtronic Inc.	COMMON	G5960L103	3,550	43,098	SH		SOLE		41,103	0	1,995
Merck	COMMON	58933Y105	5,825	53,431	SH		SOLE		51,739	0	1,692
Microsoft	COMMON	594918104	15,278	40,629	SH		SOLE		38,803	0	1,826
Middlesex Water Co	COMMON	596680108	20	300	SH		SOLE		300	0	0
Mondelez Int'l Inc.	COMMON	609207105	777	10,730	SH		SOLE		10,563	0	167
Morgan Stanley Dean Witter	COMMON	617446448	111	1,186	SH		SOLE		1,186	0	0
Motorola Solutions Inc	COMMON	620076307	148	473	SH		SOLE		473	0	0
MSCI Inc	COMMON	55354G100	11	20	SH		SOLE		20	0	0
National Fuel Gas	COMMON	636180101	5	100	SH		SOLE		100	0	0
National Grid Plc ADR	ADR	636274409	84	1,231	SH		SOLE		1,231	0	0
NCR Atleos Corp	COMMON	63001N106	152	6,240	SH		SOLE		4,537	0	1,703
NCR Voyix Corporation	COMMON	62886E108	240	14,201	SH		SOLE		10,795	0	3,406
Netflix Inc.	COMMON	64110L106	49	100	SH		SOLE		100	0	0
Nextera Energy	COMMON	65339F101	284	4,683	SH		SOLE		4,683	0	0
Nike, Inc.	COMMON	654106103	103	953	SH		SOLE		953	0	0
Nisource Inc.	COMMON	65473P105	1,881	70,839	SH		SOLE		65,860	0	4,979
Norfolk Southern	COMMON	655844108	370	1,567	SH		SOLE		1,567	0	0
Northrop Grumman Corp	COMMON	666807102	50	107	SH		SOLE		107	0	0
NortonLifeLock Inc	COMMON	668771108	318	13,944	SH		SOLE		13,944	0	0
Novartis Ag ADR	ADR	66987V109	75	740	SH		SOLE		740	0	0
Novo-Nordisk ADR	ADR	670100205	1	6	SH		SOLE		6	0	0
Nucor Corp	COMMON	670346105	17	98	SH		SOLE		98	0	0
Nutrien Ltd	COMMON	67077M108	42	749	SH		SOLE		749	0	0
Nuveen AMT-Free Municipal Income Fund	ETF	670657105	6	500	SH		SOLE		500	0	0
Nvidia Corp	COMMON	67066G104	313	633	SH		SOLE		633	0	0
Occidental Petroleum Corp.	COMMON	674599105	10	175	SH		SOLE		175	0	0
Omnicom Group Inc	COMMON	681919106	15	170	SH		SOLE		170	0	0
Oneok Inc New	COMMON	682680103	504	7,178	SH		SOLE		7,178	0	0
Oracle	COMMON	68389X105	83	784	SH		SOLE		784	0	0
Organon & Co	COMMON	68622V106	2	124	SH		SOLE		124	0	0
OTIS Worldwide Corp-Wi	COMMON	68902V107	85	947	SH		SOLE		812	0	135
P P G Industries Inc.	COMMON	693506107	237	1,583	SH		SOLE		1,583	0	0
Palo Alto Networks	COMMON	697435105	230	780	SH		SOLE		780	0	0
Paramount Global	COMMON	92556H206	12	825	SH		SOLE		825	0	0
Parker Hannifin Corp	COMMON	701094104	263	570	SH		SOLE		515	0	55
Paychex Inc.	COMMON	704326107	36	304	SH		SOLE		304	0	0
Paypal Holdings	COMMON	70450Y103	42	680	SH		SOLE		480	0	200
Pepsico, Inc.	COMMON	713448108	880	5,181	SH		SOLE		5,181	0	0
Pfizer Inc.	COMMON	717081103	3,351	116,383	SH		SOLE		108,695	0	7,688
Philip Morris Intl Inc	COMMON	718172109	14	150	SH		SOLE		150	0	0
Phillips 66 SHS	COMMON	718546104	510	3,830	SH		SOLE		3,191	0	639
PIMCO Intermediate Muni Bond ETF	ETF	72201R866	2,386	45,182	SH		SOLE		33,837	0	11,345
PNC Financial Services Group Inc.	COMMON	693475105	213	1,377	SH		SOLE		1,377	0	0
Popular Inc	COMMON	733174700	10	125	SH		SOLE		125	0	0
PotlatchDeltic Corp	COMMON	737630103	18	375	SH		SOLE		375	0	0
Powershares FTSE RAFI ETF	ETF	46137V613	117	3,332	SH		SOLE		3,332	0	0
PowerShares QQQ Trust Sr 1 ETF	ETF	46090E103	7	18	SH		SOLE		18	0	0
Procter & Gamble	COMMON	742718109	2,021	13,791	SH		SOLE		13,631	0	160
Progressive Corp	COMMON	743315103	103	647	SH		SOLE		647	0	0
Prologis Reit	REIT	74340W103	7	51	SH		SOLE		51	0	0
Public Storage, Inc.	COMMON	74460D109	104	341	SH		SOLE		341	0	0
Public Sv Enterprise	COMMON	744573106	155	2,528	SH		SOLE		2,528	0	0
Qorvo Inc	COMMON	74736K101	1,394	12,380	SH		SOLE		12,030	0	350
Qualcomm Inc.	COMMON	747525103	23	162	SH		SOLE		162	0	0
Quanta Services Inc	COMMON	74762E102	107	496	SH		SOLE		496	0	0
Ranpack Holdings	COMMON	75321W103	84	14,369	SH		SOLE		14,369	0	0
Raytheon Technologies Ord	COMMON	75513E101	325	3,861	SH		SOLE		3,191	0	670
Regeneron Pharmaceuticals Inc	COMMON	75886F107	26	30	SH		SOLE		30	0	0
Reliance Steel & Aluminum Co	COMMON	759509102	7	26	SH		SOLE		26	0	0
Relx Plc American Depositary Shares	COMMON	759530108	10	250	SH		SOLE		250	0	0
Republic Services Inc	COMMON	760759100	105	635	SH		SOLE		635	0	0
Rockwell Automation	COMMON	773903109	217	699	SH		SOLE		699	0	0
Roper Industries Inc	COMMON	776696106	3,201	5,872	SH		SOLE		5,530	0	342
Rydex S&P 500 Eq Wgt ETF	ETF	46137V357	23	145	SH		SOLE		145	0	0
Sabre Corporation	COMMON	78573M104	17	3,844	SH		SOLE		3,844	0	0
Salesforce Com	COMMON	79466L302	130	495	SH		SOLE		495	0	0
Samsara Inc.	COMMON	79589L106	9	280	SH		SOLE		280	0	0
Schlumberger Limited	COMMON	806857108	2,984	57,348	SH		SOLE		53,993	0	3,355
Schwab Emerging Mkt ETF	ETF	808524706	0	1	SH		SOLE		0	0	1
Schwab Intermediate US Treasury ETF	ETF	808524854	89	1,785	SH		SOLE		1,785	0	0
Schwab Int'l Equity ETF	ETF	808524805	12,288	332,467	SH		SOLE		331,505	0	962
Schwab Large Cap Value Indx ETF	ETF	808524409	97	1,390	SH		SOLE		1,390	0	0
Schwab U.S. Broad Market ETF	ETF	808524102	105,705	1,898,783	SH		SOLE		1,775,858	0	122,925
Schwab U.S. Tips ETF	ETF	808524870	60	1,157	SH		SOLE		0	0	1,157
Schwab US Div Equity ETF	ETF	808524797	92	1,204	SH		SOLE		0	0	1,204
Schwab US Large-Cap ETF	ETF	808524201	5	80	SH		SOLE		80	0	0
Schwab US Mid-Cap ETF	ETF	808524508	1	18	SH		SOLE		18	0	0
Schwab US Small-Cap ETF	ETF	808524607	6	119	SH		SOLE		119	0	0
Seagate Technology PLC	COMMON	G7997R103	4,263	49,932	SH		SOLE		47,074	0	2,858
Sector Spdr Fincl Select	COMMON	81369Y605	79	2,088	SH		SOLE		2,088	0	0
Sector SPDR Health Fd Shares	COMMON	81369Y209	2	15	SH		SOLE		15	0	0
Sector SPDR Tech Select Shares	COMMON	81369Y803	420	2,182	SH		SOLE		2,182	0	0
Sempra Energy	COMMON	816851109	21	282	SH		SOLE		282	0	0
Sensata Technologies Holding PLC	COMMON	G8060N102	421	11,197	SH		SOLE		11,197	0	0
ServiceNow Inc	COMMON	81762P102	361	511	SH		SOLE		511	0	0
Shell plc	COMMON	780259305	420	6,386	SH		SOLE		6,125	0	261
Siemens A G	COMMON	826197501	23	250	SH		SOLE		250	0	0
SK Telecom Ltd ADR	ADR	78440P306	8	364	SH		SOLE		0	0	364
Skyworks Solutions Inc.	COMMON	83088M102	45	397	SH		SOLE		397	0	0
Snap Inc	COMMON	83304A106	3	200	SH		SOLE		200	0	0
Sonoco Products	COMMON	835495102	189	3,385	SH		SOLE		2,285	0	1,100
Sony Group Corp	COMMON	835699307	1,516	16,007	SH		SOLE		16,007	0	0
Southern Company	COMMON	842587107	329	4,691	SH		SOLE		3,834	0	857
SPDR Blackstone Senior Loan ETF	ETF	78467V608	3	67	SH		SOLE		67	0	0
SPDR Consumer Disc Select ETF	ETF	81369Y407	54	302	SH		SOLE		302	0	0
SPDR Energy Select Sector ETF	ETF	81369Y506	2	21	SH		SOLE		21	0	0
SPDR Gold Trust ETF	ETF	78463V107	1,892	9,899	SH		SOLE		9,899	0	0
SPDR Materials Select Sec. ETF	ETF	81369Y100	27	312	SH		SOLE		312	0	0
SPDR MSCI EAFE Fsl Fuel Fr ETF	ETF	78470E106	24	607	SH		SOLE		607	0	0
SPDR MSCI Emerg Fsl Fl Free ETF	ETF	78470E205	7	240	SH		SOLE		240	0	0
SPDR Nuveen Barclays Muni Bd ETF	ETF	78468R721	256	5,457	SH		SOLE		0	0	5,457
SPDR S&P 500 ETF	ETF	78462F103	1,448	3,046	SH		SOLE		2,132	0	914
SPDR S&P 500 Fossil Fl Fr ETF	ETF	78468R796	893	23,015	SH		SOLE		23,015	0	0
SPDR S&P 600 Small Cap ETF	ETF	78464A300	70	837	SH		SOLE		837	0	0
SPDR S&P Biotech ETF	ETF	78464A870	1,215	13,606	SH		SOLE		12,732	0	874
SPDR S&P Dividend ETF	ETF	78464A763	159	1,270	SH		SOLE		1,270	0	0
SPDR S&P Mid Cap 400 ETF	ETF	78467Y107	241	475	SH		SOLE		275	0	200
SPDR Utility Select Sec ETF	ETF	81369Y886	9	150	SH		SOLE		150	0	0
Splunk Inc	COMMON	848637104	2,850	18,706	SH		SOLE		17,682	0	1,024
Standex Int'l Corp.	COMMON	854231107	67	426	SH		SOLE		426	0	0
Starbucks	COMMON	855244109	1,522	15,854	SH		SOLE		15,512	0	342
Steris Corp.	COMMON	G8473T100	254	1,157	SH		SOLE		1,157	0	0
Stryker Corp.	COMMON	863667101	112	375	SH		SOLE		230	0	145
Suncor Energy Inc.	COMMON	867224107	10	324	SH		SOLE		324	0	0
Synchrony Financial	COMMON	87165B103	196	5,122	SH		SOLE		4,962	0	160
Sysco Corp.	COMMON	871829107	121	1,658	SH		SOLE		1,658	0	0
Taiwan Semiconductor ADR	ADR	874039100	8,921	85,780	SH		SOLE		81,063	0	4,717
Target Corp.	COMMON	87612E106	58	410	SH		SOLE		410	0	0
Teradata Corp	COMMON	88076W103	21	487	SH		SOLE		487	0	0
Tesla Motors	COMMON	88160R101	3	12	SH		SOLE		12	0	0
Texas Instruments Inc.	COMMON	882508104	350	2,052	SH		SOLE		2,052	0	0
The Charles Schwab Corp.	COMMON	808513105	8,459	122,958	SH		SOLE		114,892	0	8,066
The Travelers Companies Inc.	COMMON	89417E109	886	4,653	SH		SOLE		4,653	0	0
Thermo Fisher Scientific	COMMON	883556102	486	916	SH		SOLE		916	0	0
Thomson Reuters Corp	COMMON	884903808	186	1,272	SH		SOLE		1,115	0	157
Thor Industries Inc	COMMON	885160101	539	4,557	SH		SOLE		4,487	0	70
TJX Companies Inc	COMMON	872540109	50	529	SH		SOLE		359	0	170
Toronto-Dominion Bank	COMMON	891160509	560	8,672	SH		SOLE		6,179	0	2,493
TPI Composites Inc	COMMON	87266J104	1	268	SH		SOLE		268	0	0
Tractor Supply Company	COMMON	892356106	14	66	SH		SOLE		66	0	0
Trane Technologies PLC	COMMON	G8994E103	396	1,625	SH		SOLE		1,625	0	0
Truist Finl Corp Com	COMMON	89832Q109	25	683	SH		SOLE		683	0	0
Trustmark Corp.	COMMON	898402102	3,897	139,788	SH		SOLE		139,788	0	0
U S Bancorp	COMMON	902973304	54	1,250	SH		SOLE		1,250	0	0
UDR Inc	COMMON	902653104	46	1,196	SH		SOLE		1,196	0	0
Unilever PLC ADR	ADR	904767704	799	16,490	SH		SOLE		16,490	0	0
Union Pacific	COMMON	907818108	297	1,210	SH		SOLE		1,210	0	0
United Continental Holdings Inc	COMMON	910047109	8	183	SH		SOLE		183	0	0
United Parcel Service	COMMON	911312106	75	479	SH		SOLE		479	0	0
Unitedhealth Group Inc.	COMMON	91324P102	219	416	SH		SOLE		416	0	0
Unum Provident Corp.	COMMON	91529Y106	161	3,559	SH		SOLE		3,559	0	0
V F Corp.	COMMON	918204108	403	21,458	SH		SOLE		21,458	0	0
Valero Energy	COMMON	91913Y100	2,159	16,606	SH		SOLE		15,357	0	1,249
Vaneck Vectors Gold Miners ETF	ETF	92189F106	1,365	44,014	SH		SOLE		43,946	0	68
Vangard Russell 2000 ETF	ETF	92206C664	31	386	SH		SOLE		386	0	0
Vanguard 500 ETF	ETF	922908363	1,348	3,087	SH		SOLE		285	0	2,802
Vanguard Corp Bond ETF	ETF	92206C409	11	144	SH		SOLE		144	0	0
Vanguard Developed Market ETF	ETF	921943858	32,568	679,910	SH		SOLE		606,190	0	73,720
Vanguard Div Appreciation ETF	ETF	921908844	536	3,148	SH		SOLE		2,025	0	1,123
Vanguard Emerging Market ETF	ETF	922042858	17,759	432,088	SH		SOLE		401,263	0	30,825
Vanguard ESG International Stock ETF	ETF	921910725	10,701	193,574	SH		SOLE		174,778	0	18,796
Vanguard ESG US Corporate Bond ETF	ETF	921910691	5,888	92,895	SH		SOLE		83,932	0	8,963
Vanguard ESG US Stock ETF	ETF	921910733	15,923	187,201	SH		SOLE		167,986	0	19,215
Vanguard Financials ETF	ETF	92204A405	49	526	SH		SOLE		526	0	0
Vanguard FTSE All World ex US ETF	ETF	922042775	9	157	SH		SOLE		157	0	0
Vanguard FTSE Pacific ETF	ETF	922042866	6	77	SH		SOLE		77	0	0
Vanguard Growth ETF	ETF	922908736	1,505	4,842	SH		SOLE		865	0	3,977
Vanguard Health Care ETF	ETF	92204A504	282	1,123	SH		SOLE		1,123	0	0
Vanguard High Dividend Yd ETF	ETF	921946406	177	1,588	SH		SOLE		1,588	0	0
Vanguard Info Technology ETF	ETF	92204A702	94	194	SH		SOLE		55	0	139
Vanguard Interm. Bond Idx ETF	ETF	921937819	22	290	SH		SOLE		0	0	290
Vanguard Intermediate Corporate ETF	ETF	92206C870	27,719	341,028	SH		SOLE		306,950	0	34,078
Vanguard Intermediate Treasury ETF	ETF	92206C706	34,251	577,401	SH		SOLE		524,497	0	52,904
Vanguard Large-Cap ETF	ETF	922908637	9	43	SH		SOLE		43	0	0
Vanguard Mid Cap ETF	ETF	922908629	44	188	SH		SOLE		188	0	0
Vanguard Mid Cap Value ETF	ETF	922908512	60	413	SH		SOLE		413	0	0
Vanguard Muni Bond ETF	ETF	922907746	3,806	74,563	SH		SOLE		58,459	0	16,104
Vanguard REIT ETF	ETF	922908553	120	1,357	SH		SOLE		1,357	0	0
Vanguard S&P Mid-Cap 400	ETF	921932844	131	1,504	SH		SOLE		1,504	0	0
Vanguard S&P Mid-Cap 400 Growth ETF	ETF	921932869	89	902	SH		SOLE		902	0	0
Vanguard Short-Term Bond ETF	ETF	921937827	960	12,463	SH		SOLE		12,256	0	207
Vanguard Short-Term Treasury ETF	ETF	92206C102	510	8,745	SH		SOLE		8,745	0	0
Vanguard Sh-Tm Inflat- Prot ETF	ETF	922020805	319	6,713	SH		SOLE		803	0	5,910
Vanguard Small Cap ETF	ETF	922908751	31	145	SH		SOLE		145	0	0
Vanguard Small Cap Growth ETF	ETF	922908595	63	261	SH		SOLE		261	0	0
Vanguard Total Int'l Bond Market ETF	ETF	92203J407	876	17,742	SH		SOLE		16,558	0	1,184
Vanguard Total Stk Mkt ETF	ETF	922908769	3,470	14,629	SH		SOLE		13,424	0	1,205
Vanguard Total U.S. Bond Market ETF	ETF	921937835	1,995	27,129	SH		SOLE		25,810	0	1,319
Vanguard Total World Stock ETF	ETF	922042742	188	1,832	SH		SOLE		1,682	0	150
Vanguard Ultra-Short Bond ETF	ETF	92203C303	8	155	SH		SOLE		155	0	0
Vanguard Utilities Index Fund	ETF	92204A876	15	108	SH		SOLE		108	0	0
Vanguard Value Index ETF	ETF	922908744	261	1,747	SH		SOLE		1,747	0	0
Ventas REIT Inc	REIT	92276F100	181	3,638	SH		SOLE		3,638	0	0
Verizon Communications Inc.	COMMON	92343V104	1,338	35,482	SH		SOLE		34,558	0	924
Vertex Pharmaceuticals	COMMON	92532F100	28	70	SH		SOLE		70	0	0
Viasat Inc	COMMON	92552V100	118	4,207	SH		SOLE		3,673	0	534
Visa Inc	COMMON	92826C839	4,902	18,829	SH		SOLE		18,169	0	660
Vistra Energy Corp	COMMON	92840M102	77	1,993	SH		SOLE		1,993	0	0
Volkswagen AG	COMMON	928662600	1	86	SH		SOLE		86	0	0
W. P. Carey & Co. LLC	COMMON	92936U109	32	500	SH		SOLE		500	0	0
Wal-Mart Stores	COMMON	931142103	678	4,300	SH		SOLE		4,300	0	0
Walt Disney Hldg	COMMON	254687106	3,748	41,513	SH		SOLE		39,734	0	1,779
Watts Water Technologies	COMMON	942749102	119	573	SH		SOLE		70	0	503
WEC Energy Group	COMMON	92939U106	332	3,947	SH		SOLE		3,947	0	0
Wells Fargo & Co	COMMON	949746101	15	311	SH		SOLE		311	0	0
Welltower Inc REIT	REIT	95040Q104	135	1,500	SH		SOLE		1,500	0	0
Weyerhaeuser Company	COMMON	962166104	733	21,070	SH		SOLE		19,567	0	1,503
Whirlpool	COMMON	963320106	188	1,547	SH		SOLE		1,347	0	200
WisdomTree Emerg Mk SmCap ETF	ETF	97717W281	104	2,077	SH		SOLE		2,077	0	0
WisdomTree India Earnings ETF	ETF	97717W422	109	2,665	SH		SOLE		2,665	0	0
Wisdomtree Japan SmCap Div ETF	ETF	97717W836	46	620	SH		SOLE		620	0	0
Wolverine World Wide Inc.	COMMON	978097103	33	3,753	SH		SOLE		3,753	0	0
WPP	COMMON	92937A102	3,023	63,550	SH		SOLE		60,915	0	2,635
Wyndham Hotels & Resorts Inc	COMMON	98311A105	36	452	SH		SOLE		452	0	0
Xcel Energy Inc.	COMMON	98389B100	90	1,459	SH		SOLE		1,459	0	0
Xylem Inc	COMMON	98419M100	821	7,181	SH		SOLE		6,781	0	400
Yum China Hldgs Inc Com	COMMON	98850P109	1,575	37,116	SH		SOLE		35,704	0	1,412
Yum! Brands, Inc.	COMMON	988498101	65	499	SH		SOLE		499	0	0
Zimmer Biomet Holdings Inc.	COMMON	98956P102	1	5	SH		SOLE		5	0	0
Zoetis Inc	COMMON	98978V103	35	179	SH		SOLE		179	0	0