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            <AddressLine1Txt>313 DeLancey Ave</AddressLine1Txt>
            <CityNm>Mamaroneck</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>10543</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>to support the Elk's Thanksgiving &amp; Christmas fundraisers</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>ADIRONDACK community FOUNDATION</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>304 BEAR CUB ROAD</AddressLine1Txt>
            <CityNm>LAKE PLACID</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12946</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>FOR THE CV-TEC CAREER &amp; TECHNICAL EDUCATION PATHWAYS FUND</GrantOrContributionPurposeTxt>
          <Amt>25000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>WE ARE INSTRUMENTAL</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 586</AddressLine1Txt>
            <CityNm>TICONDEROGA</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12883</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO IMPROVE ACCESSIBIITY TO MUSICAL EDUCATION FOR CHILDREN IN NORTHERN NEW YORK</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>ADIRONDACK COAST BASKETBALL CAMP</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>376 MARGARET ST</AddressLine1Txt>
            <CityNm>PLATTSBURGH</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12901</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>NC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO SUPPORT A SUMMER BASKETBALL PROGRAM FOR BOTH GIRLS &amp; BOYS IN ELEMENTARY THROUGH HIGH SCHOOL ACROSS THE NORTH COUNTRY</GrantOrContributionPurposeTxt>
          <Amt>500</Amt>
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          <RecipientPersonNm>PLATTSBURGH YMCA</RecipientPersonNm>
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            <AddressLine1Txt>17 OAK STREET</AddressLine1Txt>
            <CityNm>PLATTSBURGH</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12901</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO SUPPORT THE CONSTRUCTION OF A HEALTH AND WELLNESS FACILITY</GrantOrContributionPurposeTxt>
          <Amt>50000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>ELIZABETHTOWN SOCIAL CENTER</RecipientPersonNm>
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            <AddressLine1Txt>7626 ROUTE 9</AddressLine1Txt>
            <CityNm>ELIZABETHTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12932</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO SUPPORT CAPITAL IMPROVEMENTS TO THE SOCIAL CENTER</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>NORTH COUNTRY HONOR FLIGHT</RecipientPersonNm>
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            <AddressLine1Txt>PO BOX 2644</AddressLine1Txt>
            <CityNm>PLATTBURGH</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12901</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO SUPPPORT bringing veterans to see National Monuments in Washington D.C. and to receive the thanks of a grateful nation.</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>NYS GRANGE EDUCATION CULTURAL FDN</RecipientPersonNm>
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            <AddressLine1Txt>100 GRANGE PLACE</AddressLine1Txt>
            <CityNm>CORTLAND</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13045</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>to promote agricultural education, foster leadership and self-reliance among youth, and improve rural communities through support for education, conservation, and cultural activities.</GrantOrContributionPurposeTxt>
          <Amt>2000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>EVERGREEN CEMETERY ASSOCIATION</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>1816 MAIN 20 GROVE ST</AddressLine1Txt>
            <CityNm>KEESEVILLE</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12944</ZIPCd>
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          <RecipientFoundationStatusCd>NC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO SUPPORT CEMETARY MAINTENANCE</GrantOrContributionPurposeTxt>
          <Amt>2500</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>PLATTSBURGH YOUTH HOCKEY ASSOCIATIO</RecipientPersonNm>
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            <AddressLine1Txt>PO BOX 1849</AddressLine1Txt>
            <CityNm>PLATTSBURGH</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12901</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>to SUPPORT teaching young people the game of Hockey.</GrantOrContributionPurposeTxt>
          <Amt>1500</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>NORTH COUNTRY CENTER FOR INDEPENDEN</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>80 SHARRON AVE</AddressLine1Txt>
            <CityNm>PLATTSBURGH</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12901</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>to SUPPORT helping people with disabilities to live more independent and productive lives, and promote better policies and community understanding of disability issues.</GrantOrContributionPurposeTxt>
          <Amt>2000</Amt>
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        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>CHAMPLAIN VALLEY VOICES</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 2021</AddressLine1Txt>
            <CityNm>PLATTSBURGH</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>12901</ZIPCd>
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          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>NC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>TO SUPPORT presenting a varied concert season, with major choral-orchestral works, as well as concerts of a more popular nature using professional accompanying musicians drawn from places like New York City and many surrounding areas.</GrantOrContributionPurposeTxt>
          <Amt>1000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>108200</TotalGrantOrContriPdDurYrAmt>
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        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>5242</ExclusionAmt>
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          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>20631</ExclusionAmt>
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        <GainSalesAstOthThanInvntryGrp>
          <RelatedOrExemptFunctionIncmAmt>32830</RelatedOrExemptFunctionIncmAmt>
        </GainSalesAstOthThanInvntryGrp>
        <OtherRevenueDescribedGrp>
          <Desc>LLC INVESTMENT INCOME</Desc>
          <RelatedOrExemptFunctionIncmAmt>677</RelatedOrExemptFunctionIncmAmt>
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        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>25873</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>33507</RelatedOrExemptFunctionIncmAmt>
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        <TotalIncomeProducingActyAmt>59380</TotalIncomeProducingActyAmt>
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      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
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      <AccountingFeesDetail>
        <Amt>3185</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>0</AdjustedNetIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>PRES/FELLOWS HARVARD 4.887% 2030</BondNm>
        <EOYBookValueAmt>10130</EOYBookValueAmt>
        <EOYFMVAmt>10314</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>FLORIDA POWER/LIGHT 4.8% 2033</BondNm>
        <EOYBookValueAmt>9932</EOYBookValueAmt>
        <EOYFMVAmt>10194</EOYFMVAmt>
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      <InvestmentsCorporateBondsGrp>
        <BondNm>NORTHWESTERN UNIV. 4.94% 2035</BondNm>
        <EOYBookValueAmt>9941</EOYBookValueAmt>
        <EOYFMVAmt>10176</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>41 sh. ABT</StockNm>
        <EOYBookValueAmt>5041</EOYBookValueAmt>
        <EOYFMVAmt>5137</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>20 sh. ACN</StockNm>
        <EOYBookValueAmt>5909</EOYBookValueAmt>
        <EOYFMVAmt>5366</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>37 sh. AFL</StockNm>
        <EOYBookValueAmt>2330</EOYBookValueAmt>
        <EOYFMVAmt>4080</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>17 sh. AMGN</StockNm>
        <EOYBookValueAmt>4087</EOYBookValueAmt>
        <EOYFMVAmt>5564</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>8 sh. AMT</StockNm>
        <EOYBookValueAmt>2108</EOYBookValueAmt>
        <EOYFMVAmt>1405</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>30 sh. ADI</StockNm>
        <EOYBookValueAmt>5429</EOYBookValueAmt>
        <EOYFMVAmt>8136</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>78 sh. AAPL</StockNm>
        <EOYBookValueAmt>12701</EOYBookValueAmt>
        <EOYFMVAmt>21205</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>20 sh. ADP</StockNm>
        <EOYBookValueAmt>4363</EOYBookValueAmt>
        <EOYFMVAmt>5145</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>5 sh. BLK</StockNm>
        <EOYBookValueAmt>4352</EOYBookValueAmt>
        <EOYFMVAmt>5352</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>26 SH. CVX</StockNm>
        <EOYBookValueAmt>3872</EOYBookValueAmt>
        <EOYFMVAmt>3963</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>10 SH. CB</StockNm>
        <EOYBookValueAmt>1788</EOYBookValueAmt>
        <EOYFMVAmt>3121</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>69 SH. CSCO</StockNm>
        <EOYBookValueAmt>3835</EOYBookValueAmt>
        <EOYFMVAmt>5315</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>20 SH. CL</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>64 SH. CMCSA</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>29 SH. EMR</StockNm>
        <EOYBookValueAmt>2946</EOYBookValueAmt>
        <EOYFMVAmt>3849</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>12 SH. GD</StockNm>
        <EOYBookValueAmt>2630</EOYBookValueAmt>
        <EOYFMVAmt>4040</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>20 SH. ITW</StockNm>
        <EOYBookValueAmt>4569</EOYBookValueAmt>
        <EOYFMVAmt>4926</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>24 SH. JNJ</StockNm>
        <EOYBookValueAmt>3989</EOYBookValueAmt>
        <EOYFMVAmt>4967</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>38 SH. JPM</StockNm>
        <EOYBookValueAmt>6902</EOYBookValueAmt>
        <EOYFMVAmt>12244</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>14 SH. LIN</StockNm>
        <EOYBookValueAmt>4673</EOYBookValueAmt>
        <EOYFMVAmt>5969</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>26 SH. LOW</StockNm>
        <EOYBookValueAmt>5663</EOYBookValueAmt>
        <EOYFMVAmt>6270</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>18 SH. LHX</StockNm>
        <EOYBookValueAmt>4148</EOYBookValueAmt>
        <EOYFMVAmt>5284</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>10 SH. MCD</StockNm>
        <EOYBookValueAmt>2374</EOYBookValueAmt>
        <EOYFMVAmt>3056</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>41 SH. MSFT</StockNm>
        <EOYBookValueAmt>13370</EOYBookValueAmt>
        <EOYFMVAmt>19828</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>63 SH. NEE</StockNm>
        <EOYBookValueAmt>4915</EOYBookValueAmt>
        <EOYFMVAmt>5058</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>42 SH. NKE</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>10 SH. PPG</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>18 SH. PAYX</StockNm>
        <EOYBookValueAmt>2188</EOYBookValueAmt>
        <EOYFMVAmt>2019</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>16 SH. PEP</StockNm>
        <EOYBookValueAmt>2414</EOYBookValueAmt>
        <EOYFMVAmt>2296</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>35 SH. PSX</StockNm>
        <EOYBookValueAmt>3114</EOYBookValueAmt>
        <EOYFMVAmt>4516</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>16 SH. PG</StockNm>
        <EOYBookValueAmt>2233</EOYBookValueAmt>
        <EOYFMVAmt>2293</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>17 SH. TGT</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>7 SH. UNH</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>36 SH. WMT</StockNm>
        <EOYBookValueAmt>2046</EOYBookValueAmt>
        <EOYFMVAmt>4011</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>27 SH. WEC</StockNm>
        <EOYBookValueAmt>2492</EOYBookValueAmt>
        <EOYFMVAmt>2847</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>5 sh. COST</StockNm>
        <EOYBookValueAmt>3319</EOYBookValueAmt>
        <EOYFMVAmt>4312</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>4 sh. GWW</StockNm>
        <EOYBookValueAmt>2339</EOYBookValueAmt>
        <EOYFMVAmt>4036</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>7 sh. SPGI</StockNm>
        <EOYBookValueAmt>2600</EOYBookValueAmt>
        <EOYFMVAmt>3658</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>21 sh. ZTS</StockNm>
        <EOYBookValueAmt>3928</EOYBookValueAmt>
        <EOYFMVAmt>2642</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>43 sh. SBUX</StockNm>
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        <EOYFMVAmt>3621</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>14 sh. GE</StockNm>
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        <EOYFMVAmt>4312</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>3 sh. CSL</StockNm>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>1977</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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      <InvestmentsCorporateStockGrp>
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        <StockNm>18 sh. BUD</StockNm>
        <EOYBookValueAmt>1185</EOYBookValueAmt>
        <EOYFMVAmt>1153</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>2 sh. ASML</StockNm>
        <EOYBookValueAmt>1400</EOYBookValueAmt>
        <EOYFMVAmt>2140</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>33 sh. AZN</StockNm>
        <EOYBookValueAmt>2459</EOYBookValueAmt>
        <EOYFMVAmt>3034</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>46 sh. AXAHY</StockNm>
        <EOYBookValueAmt>2036</EOYBookValueAmt>
        <EOYFMVAmt>2208</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>23 sh. BAESY</StockNm>
        <EOYBookValueAmt>2079</EOYBookValueAmt>
        <EOYFMVAmt>2136</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>124 sh. BCS</StockNm>
        <EOYBookValueAmt>2116</EOYBookValueAmt>
        <EOYFMVAmt>3156</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>40 sh. CGEMY</StockNm>
        <EOYBookValueAmt>1181</EOYBookValueAmt>
        <EOYFMVAmt>1332</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>15 sh. CCEP</StockNm>
        <EOYBookValueAmt>1315</EOYBookValueAmt>
        <EOYFMVAmt>1360</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>13 sh. CEG</StockNm>
        <EOYBookValueAmt>3915</EOYBookValueAmt>
        <EOYFMVAmt>4593</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>52 sh. DBOEY</StockNm>
        <EOYBookValueAmt>1479</EOYBookValueAmt>
        <EOYFMVAmt>1367</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>31 sh. DHLGY</StockNm>
        <EOYBookValueAmt>1335</EOYBookValueAmt>
        <EOYFMVAmt>1695</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>14 sh. DEO</StockNm>
        <EOYBookValueAmt>1419</EOYBookValueAmt>
        <EOYFMVAmt>1208</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>6 sh. LLY</StockNm>
        <EOYBookValueAmt>4922</EOYBookValueAmt>
        <EOYFMVAmt>6448</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>5 sh. EOG</StockNm>
        <EOYBookValueAmt>643</EOYBookValueAmt>
        <EOYFMVAmt>525</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>89 sh, HTHIY</StockNm>
        <EOYBookValueAmt>2150</EOYBookValueAmt>
        <EOYFMVAmt>2777</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>15 sh. IFNNY</StockNm>
        <EOYBookValueAmt>493</EOYBookValueAmt>
        <EOYFMVAmt>660</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>85 sh. ING</StockNm>
        <EOYBookValueAmt>1815</EOYBookValueAmt>
        <EOYFMVAmt>2380</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>18 sh. LRLCY</StockNm>
        <EOYBookValueAmt>1406</EOYBookValueAmt>
        <EOYFMVAmt>1542</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>25 sh. LYMUY</StockNm>
        <EOYBookValueAmt>3010</EOYBookValueAmt>
        <EOYFMVAmt>3770</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>12 sh. META</StockNm>
        <EOYBookValueAmt>8130</EOYBookValueAmt>
        <EOYFMVAmt>7921</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>22 sh. NGG</StockNm>
        <EOYBookValueAmt>1473</EOYBookValueAmt>
        <EOYFMVAmt>1702</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>15 sh. NSRG</StockNm>
        <EOYBookValueAmt>1462</EOYBookValueAmt>
        <EOYFMVAmt>1482</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>82 sh. NTDOY</StockNm>
        <EOYBookValueAmt>1525</EOYBookValueAmt>
        <EOYFMVAmt>1383</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>88 sh. NRDBY</StockNm>
        <EOYBookValueAmt>1228</EOYBookValueAmt>
        <EOYFMVAmt>1666</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>21 sh. NVS</StockNm>
        <EOYBookValueAmt>2413</EOYBookValueAmt>
        <EOYFMVAmt>2895</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>26 sh. NVO</StockNm>
        <EOYBookValueAmt>1656</EOYBookValueAmt>
        <EOYFMVAmt>1323</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>49 sh. IX</StockNm>
        <EOYBookValueAmt>1118</EOYBookValueAmt>
        <EOYFMVAmt>1432</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>18 sh. PLD</StockNm>
        <EOYBookValueAmt>1923</EOYBookValueAmt>
        <EOYFMVAmt>2298</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>20 sh. RELX</StockNm>
        <EOYBookValueAmt>884</EOYBookValueAmt>
        <EOYFMVAmt>808</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>28 sh. QSR</StockNm>
        <EOYBookValueAmt>1851</EOYBookValueAmt>
        <EOYFMVAmt>1910</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>31 sh. RIO</StockNm>
        <EOYBookValueAmt>1886</EOYBookValueAmt>
        <EOYFMVAmt>2481</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>28 sh. SNY</StockNm>
        <EOYBookValueAmt>1476</EOYBookValueAmt>
        <EOYFMVAmt>1357</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>10 sh. SAP</StockNm>
        <EOYBookValueAmt>2660</EOYBookValueAmt>
        <EOYFMVAmt>2429</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>35 sh. SBGSY</StockNm>
        <EOYBookValueAmt>1694</EOYBookValueAmt>
        <EOYFMVAmt>1923</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>15 sh. SHEL</StockNm>
        <EOYBookValueAmt>1079</EOYBookValueAmt>
        <EOYFMVAmt>1102</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>6 sh. SHW</StockNm>
        <EOYBookValueAmt>2055</EOYBookValueAmt>
        <EOYFMVAmt>1944</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>19 sh. SIEGY</StockNm>
        <EOYBookValueAmt>2314</EOYBookValueAmt>
        <EOYFMVAmt>2659</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>30 sh. SXYAY</StockNm>
        <EOYBookValueAmt>802</EOYBookValueAmt>
        <EOYFMVAmt>613</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>33 sh. SNN</StockNm>
        <EOYBookValueAmt>1022</EOYBookValueAmt>
        <EOYFMVAmt>1083</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>155 sh. SMFG</StockNm>
        <EOYBookValueAmt>2459</EOYBookValueAmt>
        <EOYFMVAmt>2996</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>28 sh. TRP</StockNm>
        <EOYBookValueAmt>1367</EOYBookValueAmt>
        <EOYFMVAmt>1540</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>6 sh. TEL</StockNm>
        <EOYBookValueAmt>1074</EOYBookValueAmt>
        <EOYFMVAmt>1365</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>54 sh. TKOMY</StockNm>
        <EOYBookValueAmt>2169</EOYBookValueAmt>
        <EOYFMVAmt>1997</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>22 sh. TOELY</StockNm>
        <EOYBookValueAmt>1644</EOYBookValueAmt>
        <EOYFMVAmt>2444</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>22 sh. TTE</StockNm>
        <EOYBookValueAmt>1399</EOYBookValueAmt>
        <EOYFMVAmt>1439</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>10 sh. TM</StockNm>
        <EOYBookValueAmt>1873</EOYBookValueAmt>
        <EOYFMVAmt>2141</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>29 sh. UL</StockNm>
        <EOYBookValueAmt>1952</EOYBookValueAmt>
        <EOYFMVAmt>1897</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>130 sh. VEOEY</StockNm>
        <EOYBookValueAmt>2230</EOYBookValueAmt>
        <EOYFMVAmt>2257</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>71 sh. VCISY</StockNm>
        <EOYBookValueAmt>2303</EOYBookValueAmt>
        <EOYFMVAmt>2499</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsGovtObligationsSch documentId="InvestmentsGovtObligationsSche" softwareId="25022934" softwareVersionNum="2025v4.0">
      <USGovtObligationsBookVlEOYAmt>9999</USGovtObligationsBookVlEOYAmt>
      <USGovtObligationsEOYFMVAmt>10011</USGovtObligationsEOYFMVAmt>
      <StateLocalSecBookVlEOYAmt>55672</StateLocalSecBookVlEOYAmt>
      <StateLocalSecEOYFMVAmt>57631</StateLocalSecEOYFMVAmt>
    </InvestmentsGovtObligationsSch>
    <InvestmentsOtherSchedule2 documentId="InvestmentsOtherSchedule2" softwareId="25022934" softwareVersionNum="2025v4.0">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>investment in llc</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>374 sh. hdv</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>25381</BookValueAmt>
        <EOYFMVAmt>45482</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>320 sh. IJH</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>12563</BookValueAmt>
        <EOYFMVAmt>21120</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>41 sh. IVV</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>210 sh. USMV</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>12571</BookValueAmt>
        <EOYFMVAmt>19774</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>312 sh. GSLC</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>20644</BookValueAmt>
        <EOYFMVAmt>41299</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>93 sh. IWM</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>541 sh. IJH</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>27763</BookValueAmt>
        <EOYFMVAmt>35706</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>190 sh. IVV</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>81975</BookValueAmt>
        <EOYFMVAmt>130139</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>546 sh. IEMG</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>31204</BookValueAmt>
        <EOYFMVAmt>36702</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>72 sh. XLK</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4364</BookValueAmt>
        <EOYFMVAmt>10366</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>278 sh. VEA</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>13431</BookValueAmt>
        <EOYFMVAmt>17367</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>402 sh. VWO</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>20021</BookValueAmt>
        <EOYFMVAmt>21611</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>123 sh. VTI</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>125 sh. IYH</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>5393</BookValueAmt>
        <EOYFMVAmt>8138</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>153 sh. VO</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>36281</BookValueAmt>
        <EOYFMVAmt>44404</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>546 sh. PDBC</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>9075</BookValueAmt>
        <EOYFMVAmt>7234</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>78 sh. VTV</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>10042</BookValueAmt>
        <EOYFMVAmt>14897</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>288 sh. FTGC</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>702 sh. IEFA</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>46800</BookValueAmt>
        <EOYFMVAmt>62801</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>215,123.54 sh. FTOXX</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>12697</BookValueAmt>
        <EOYFMVAmt>12697</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>505 sh. HGER</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>12935</BookValueAmt>
        <EOYFMVAmt>12534</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>92 sh. VTWO</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>7509</BookValueAmt>
        <EOYFMVAmt>9156</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>69 sh. DTEGY</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>2412</BookValueAmt>
        <EOYFMVAmt>2256</EOYFMVAmt>
      </InvestmentsOtherGrp>
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    <LegalFeesSchedule documentId="LegalFeesSchedule" softwareId="25022934" softwareVersionNum="2025v4.0">
      <LegalFeesGrp>
        <LegalFeesAmt>2632</LegalFeesAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>0</AdjustedNetIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </LegalFeesGrp>
    </LegalFeesSchedule>
    <OtherExpensesSchedule documentId="OtherExpensesSchedule" softwareId="25022934" softwareVersionNum="2025v4.0">
      <OtherExpensesScheduleGrp>
        <Desc>BANK SERVICE CHARGES</Desc>
        <RevenueAndExpensesPerBooksAmt>15</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>char 500 filing fee</Desc>
        <RevenueAndExpensesPerBooksAmt>250</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>foreign tax paid &amp; ADR fees</Desc>
        <RevenueAndExpensesPerBooksAmt>275</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>INVESTMENT SERVICE FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>9019</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>office expense</Desc>
        <RevenueAndExpensesPerBooksAmt>50</RevenueAndExpensesPerBooksAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncomeSchedule2 documentId="OtherIncomeSchedule2" softwareId="25022934" softwareVersionNum="2025v4.0">
      <OtherIncomeDetail>
        <Desc>LLC INVESTMENT INCOME</Desc>
        <RevenueAndExpensesPerBooksAmt>677</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>677</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>677</AdjustedNetIncomeAmt>
      </OtherIncomeDetail>
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  </ReturnData>
</Return>