The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M COMPANY COM 88579Y101 23,340 149,625 SH   SOLE   144,190 0 5,435
ABBOTT LABORATORIES COM 002824100 39,752 434,784 SH   SOLE   419,887 0 14,897
ABBVIE INC COM 00287y109 29,315 298,585 SH   SOLE   286,515 0 12,070
ACCENTURE PLC-CL A COM g1151c101 23,052 107,360 SH   SOLE   102,975 0 4,385
ADAMS DIVERSIFIED EQTY COM 006212104 214 14,365 SH   SOLE   14,365 0 0
AFLAC INC COM 001055102 18,627 516,975 SH   SOLE   496,465 0 20,510
ALLIANT ENERGY CORP COM 018802108 26,877 561,813 SH   SOLE   540,428 0 21,385
ALLSTATE CORP COM 020002101 22,891 236,015 SH   SOLE   227,806 0 8,209
ALPHABET INC CL A COM 02079k305 401 283 SH   SOLE   283 0 0
ALPHABET INC CL C COM 02079k107 355 251 SH   SOLE   246 0 5
ALTRIA GROUP INC COM 02209S103 260 6,621 SH   SOLE   6,621 0 0
AMAZON.COM INC COM 023135106 825 299 SH   SOLE   299 0 0
AMEREN CORPORATION COM 023608102 580 8,246 SH   SOLE   7,568 0 678
AMERICAN ELECTRIC POWER COM 025537101 27,283 342,576 SH   SOLE   329,906 0 12,670
AMERICAN EXPRESS CO COM 025816109 23,861 250,639 SH   SOLE   241,464 0 9,175
AMGEN INC COM 031162100 40,031 169,722 SH   SOLE   164,060 0 5,662
ANTS SOFTWARE INC COM 037271103 0 46,666 SH   SOLE   46,666 0 0
APPLE INC COM 037833100 3,971 10,885 SH   SOLE   10,542 0 343
AT&T INC COM 00206R102 39,094 1,293,211 SH   SOLE   1,247,846 0 45,365
AUTOMATIC DATA PROCESSING COM 053015103 515 3,462 SH   SOLE   3,442 0 20
BANK OF AMERICA CORP COM 060505104 493 20,759 SH   SOLE   20,759 0 0
BANK OF NEW YORK MELLON CORP COM 064058100 17,712 458,270 SH   SOLE   440,350 0 17,920
BAXTER INTERNATIONAL INC COM 071813109 674 7,829 SH   SOLE   7,829 0 0
BECTON DICKINSON & CO COM 075887109 287 1,198 SH   SOLE   1,198 0 0
BERKSHIRE HATHAWAY CL A COM 084670108 535 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY CL B COM 084670702 1,021 5,717 SH   SOLE   5,570 0 147
BLACKROCK INC COM 09247x101 28,273 51,964 SH   SOLE   50,583 0 1,381
BOEING CO COM 097023105 2,380 12,983 SH   SOLE   12,983 0 0
BP PLC-SPONS ADR COM 055622104 19,926 854,449 SH   SOLE   817,549 0 36,900
BRISTOL MYERS SQUIBB CO COM 110122108 29,163 495,978 SH   SOLE   475,578 0 20,400
BROWN & BROWN INC COM 115236101 8,160 200,200 SH   SOLE   200,200 0 0
CATERPILLAR INC COM 149123101 10,211 80,720 SH   SOLE   79,580 0 1,140
CHARLES SCHWAB CORP COM 808513105 15,298 453,423 SH   SOLE   434,094 0 19,329
CHARTER COMMUNICATIONS (NEW) COM 16119p108 277 544 SH   SOLE   544 0 0
CHEVRON CORPORATION COM 166764100 22,684 254,216 SH   SOLE   244,236 0 9,980
CIGNA CORP NEW COM 125523100 204 1,088 SH   SOLE   1,088 0 0
CISCO SYSTEMS INC COM 17275R102 43,581 934,423 SH   SOLE   902,576 0 31,847
CLOROX COMPANY COM 189054109 377 1,720 SH   SOLE   1,720 0 0
COCA COLA CO COM 191216100 22,885 512,208 SH   SOLE   493,833 0 18,375
COLGATE PALMOLIVE CO COM 194162103 724 9,876 SH   SOLE   7,426 0 2,450
COMCAST CORP CLASS A COM 20030N101 19,183 492,114 SH   SOLE   469,189 0 22,925
COMMERCE BANCSHARES INC COM 200525103 851 14,314 SH   SOLE   14,314 0 0
COMMUNICATION SERV SEL SEC SPDR ETF COM 81369y852 562 10,401 SH   SOLE   5,865 0 4,536
CONOCOPHILLIPS COM 20825C104 20,733 493,409 SH   SOLE   474,324 0 19,085
CONSOLIDATED EDISON INC COM 209115104 2,862 39,788 SH   SOLE   39,588 0 200
CONSUMER DISC SELECT SECTOR SPDR COM 81369Y407 1,262 9,882 SH   SOLE   9,882 0 0
COSTCO WHOLESALE CORP COM 22160K105 512 1,689 SH   SOLE   1,674 0 15
CSX CORP COM 126408103 955 13,700 SH   SOLE   13,700 0 0
CVS HEALTH CORP COM 126650100 18,967 291,933 SH   SOLE   278,538 0 13,395
DARDEN RESTAURANTS INC COM 237194105 508 6,700 SH   SOLE   6,700 0 0
DEERE & CO COM 244199105 34,038 216,598 SH   SOLE   208,998 0 7,600
DISCOVER FINANCIAL SERVICES COM 254709108 19,334 385,987 SH   SOLE   371,387 0 14,600
DOMINION ENERGY INC COM 25746U109 25,452 313,526 SH   SOLE   300,386 0 13,140
DTE ENERGY COMPANY COM 233331107 22,019 204,832 SH   SOLE   196,482 0 8,350
DUKE ENERGY HOLDING CORP COM 26441c204 22,467 281,220 SH   SOLE   268,068 0 13,152
EDISON INTERNATIONAL COM 281020107 300 5,530 SH   SOLE   5,530 0 0
ELI LILLY & CO COM 532457108 523 3,185 SH   SOLE   3,185 0 0
EMERSON ELECTRIC CO COM 291011104 228 3,674 SH   SOLE   3,674 0 0
ENBRIDGE INC COM 29250n105 20,107 660,993 SH   SOLE   633,447 0 27,546
ENERGY SELECT SECTOR SPDR COM 81369y506 1,384 36,576 SH   SOLE   26,501 0 10,075
EVERGY INC COM 30034w106 23,454 395,586 SH   SOLE   377,503 0 18,083
EVERSOURCE ENERGY COM 30040w108 30,995 372,224 SH   SOLE   356,709 0 15,515
EXELON CORPORATION COM 30161N101 20,343 560,575 SH   SOLE   543,370 0 17,205
EXXON MOBIL CORPORATION COM 30231g102 2,341 52,344 SH   SOLE   52,344 0 0
FACEBOOK INC A COM 30303m102 454 2,000 SH   SOLE   2,000 0 0
FINANCIAL SELECT SECTOR SPDR COM 81369Y605 2,867 123,883 SH   SOLE   89,007 0 34,876
FIRSTENERGY CORP COM 337932107 25,573 659,442 SH   SOLE   631,932 0 27,510
GENERAL DYNAMICS CORP COM 369550108 23,472 157,048 SH   SOLE   152,188 0 4,860
GENERAL ELECTRIC CO COM 369604103 297 43,556 SH   SOLE   43,056 0 500
GENERAL MILLS INC COM 370334104 28,789 466,981 SH   SOLE   448,541 0 18,440
GENUINE PARTS CO COM 372460105 21,549 247,804 SH   SOLE   238,359 0 9,445
HEALTH CARE SELECT SECTOR SPDR COM 81369Y209 2,370 23,684 SH   SOLE   19,825 0 3,859
HOME DEPOT INC COM 437076102 25,514 101,848 SH   SOLE   97,328 0 4,520
HONEYWELL INTERNATL INC COM 438516106 33,782 233,638 SH   SOLE   226,428 0 7,210
IBERIABANK CORP COM 450828108 200 4,394 SH   SOLE   4,394 0 0
ILLINOIS TOOL WORKS COM 452308109 478 2,736 SH   SOLE   2,736 0 0
INDUSTRIAL SELECT SECTOR SPDR COM 81369y704 624 9,084 SH   SOLE   9,084 0 0
INTEL CORPORATION COM 458140100 49,703 830,738 SH   SOLE   801,177 0 29,561
INTL BUSINESS MACHINES CORP COM 459200101 22,344 185,011 SH   SOLE   177,791 0 7,220
INVESCO BULLETSHARES 2020 CORP BOND COM 46138j502 910 42,755 SH   SOLE   33,580 0 9,175
INVESCO BULLETSHARES 2021 CORP BOND COM 46138j700 2,670 124,926 SH   SOLE   63,267 0 61,659
INVESCO BULLETSHARES 2022 CORP BOND COM 46138j882 2,521 115,518 SH   SOLE   62,143 0 53,375
INVESCO BULLETSHARES 2023 CORP BOND COM 46138j866 1,966 90,349 SH   SOLE   43,160 0 47,189
INVESCO BULLETSHARES 2024 CORP BOND COM 46138j841 1,981 89,862 SH   SOLE   41,519 0 48,343
INVESCO BULLETSHARES 2025 CORP BOND COM 46138j825 1,318 59,305 SH   SOLE   22,131 0 37,174
INVESCO QQQ TRUST SERIES 1 COM 46090e103 441 1,781 SH   SOLE   1,781 0 0
ISHARES CORE DIVIDEND GROWTH ETF COM 46434v621 8,091 215,196 SH   SOLE   148,185 0 67,011
ISHARES CORE MSCI EMERGING MKTS ETF COM 46434g103 633 13,296 SH   SOLE   13,296 0 0
ISHARES MSCI EAFE ETF COM 464287465 4,728 77,671 SH   SOLE   77,671 0 0
ISHARES RUSSELL 3000 ETF COM 464287689 9,863 54,775 SH   SOLE   54,775 0 0
ISHARES RUSSELL MIDCAP ETF COM 464287499 295 5,500 SH   SOLE   5,500 0 0
ISHARES SHORT TREASURY BOND ETF COM 464288679 205 1,850 SH   SOLE   1,850 0 0
JOHNSON & JOHNSON COM 478160104 40,075 284,968 SH   SOLE   273,594 0 11,374
JP MORGAN CHASE & CO COM 46625H100 33,962 361,072 SH   SOLE   348,369 0 12,703
KIMBERLY CLARK CORP COM 494368103 28,010 198,163 SH   SOLE   190,698 0 7,465
KROGER CO COM 501044101 394 11,625 SH   SOLE   11,275 0 350
LOCKHEED MARTIN CORP COM 539830109 369 1,011 SH   SOLE   1,011 0 0
LOWES COS INC COM 548661107 815 6,030 SH   SOLE   6,030 0 0
MARATHON PETROLEUM CORP COM 56585a102 223 5,960 SH   SOLE   4,960 0 1,000
MARSH & MCLENNAN COS COM 571748102 29,494 274,699 SH   SOLE   264,065 0 10,634
MATTEL INC COM 577081102 105 10,896 SH   SOLE   10,896 0 0
MCCORMICK & CO INC COM 579780206 6,568 36,610 SH   SOLE   36,420 0 190
MCDONALDS CORPORATION COM 580135101 1,211 6,563 SH   SOLE   6,563 0 0
MEDTRONIC PLC COM g5960l103 18,599 202,820 SH   SOLE   193,400 0 9,420
MERCK AND CO INC NEW COM 58933y105 21,766 281,464 SH   SOLE   267,774 0 13,690
METLIFE INC COM 59156r108 514 14,075 SH   SOLE   13,475 0 600
MICROSOFT CORP COM 594918104 97,665 479,903 SH   SOLE   467,700 0 12,203
MONDELEZ INTL INC COM 609207105 20,109 393,287 SH   SOLE   375,077 0 18,210
NATIONAL FUEL GAS CO COM 636180101 289 6,883 SH   SOLE   6,283 0 600
NATIONAL GRID PLC COM 636274409 18,488 304,384 SH   SOLE   286,533 0 17,851
NESTLE SA SPONSORED ADR COM 641069406 287 2,597 SH   SOLE   2,597 0 0
NEW JERSEY RESOURCES CORP COM 646025106 217 6,650 SH   SOLE   6,650 0 0
NEXTERA ENERGY INC COM 65339f101 37,498 156,129 SH   SOLE   149,254 0 6,875
NORFOLK SOUTHERN CORP COM 655844108 21,084 120,091 SH   SOLE   113,899 0 6,192
NORTHROP GRUMMAN CORP COM 666807102 417 1,356 SH   SOLE   1,356 0 0
OGE ENERGY CORP COM 670837103 302 9,934 SH   SOLE   9,934 0 0
ORACLE CORP COM 68389X105 33,512 606,331 SH   SOLE   589,256 0 17,075
PEPSICO INC COM 713448108 32,604 246,518 SH   SOLE   238,045 0 8,473
PFIZER INC COM 717081103 2,922 89,364 SH   SOLE   87,889 0 1,475
PHILIP MORRIS INTL COM 718172109 17,850 254,788 SH   SOLE   244,128 0 10,660
PHILLIPS 66 COM 718546104 446 6,203 SH   SOLE   6,203 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 22,960 218,228 SH   SOLE   209,638 0 8,590
PORTLAND GENERAL ELECTRIC CO COM 736508847 3,523 84,271 SH   SOLE   78,231 0 6,040
PPG INDUSTRIES INC COM 693506107 22,490 212,049 SH   SOLE   205,044 0 7,005
PROCTER & GAMBLE CO COM 742718109 33,454 279,782 SH   SOLE   269,843 0 9,939
PROGRESSIVE CORP COM 743315103 22,901 285,872 SH   SOLE   275,388 0 10,485
QUALCOMM INC COM 747525103 32,893 360,626 SH   SOLE   345,560 0 15,066
QUEST DIAGNOSTICS INC COM 74834L100 27,233 238,968 SH   SOLE   229,078 0 9,890
RAYTHEON TECHNOLOGIES CORP COM 75513e101 388 6,294 SH   SOLE   6,294 0 0
RESIDEO TECHNOLOGIES INC COM 76118y104 150 12,782 SH   SOLE   12,563 0 219
RLI CORP COM 749607107 169,745 2,067,534 SH   SOLE   2,067,534 0 0
ROYAL DUTCH SHELL PLC A COM 780259206 239 7,305 SH   SOLE   7,305 0 0
RPM INTERNATIONAL INC COM 749685103 31,644 421,585 SH   SOLE   408,070 0 13,515
S&P GLOBAL INC COM 78409v104 43,546 132,167 SH   SOLE   128,297 0 3,870
SCHWAB US AGGREGATE BOND ETF COM 808524839 1,167 20,744 SH   SOLE   9,904 0 10,840
SCHWAB US BROAD MKT ETF COM 808524102 276 3,751 SH   SOLE   3,751 0 0
SCHWAB US DVD EQUITY ETF COM 808524797 9,046 174,806 SH   SOLE   124,481 0 50,325
SCHWAB US LARGE GROWTH ETF COM 808524300 268 2,639 SH   SOLE   2,639 0 0
SEMPRA ENERGY COM 816851109 214 1,828 SH   SOLE   1,828 0 0
SHERWIN WILLIAMS CO COM 824348106 326 565 SH   SOLE   565 0 0
SOUTH JERSEY INDUSTRIES COM 838518108 16,015 640,843 SH   SOLE   614,693 0 26,150
SOUTHERN CO COM 842587107 24,270 468,080 SH   SOLE   447,490 0 20,590
SPDR GOLD TRUST COM 78463v107 218 1,305 SH   SOLE   1,305 0 0
SPDR S&P 500 ETF TRUST COM 78462f103 1,900 6,163 SH   SOLE   2,548 0 3,615
STANLEY BLACK & DECKER INC. COM 854502101 28,242 202,628 SH   SOLE   193,868 0 8,760
STARBUCKS CORP COM 855244109 307 4,178 SH   SOLE   4,128 0 50
STRYKER CORP COM 863667101 737 4,088 SH   SOLE   4,088 0 0
T ROWE PRICE ASSOCIATES COM 74144t108 26,770 216,761 SH   SOLE   208,356 0 8,405
TARGET CORP COM 87612E106 36,164 301,545 SH   SOLE   290,539 0 11,006
TC ENERGY CORP COM 87807b107 20,488 478,033 SH   SOLE   458,053 0 19,980
TECHNOLOGY SELECT SECTOR SPDR COM 81369Y803 1,077 10,307 SH   SOLE   10,307 0 0
TEXAS INSTRUMENTS INC COM 882508104 44,024 346,726 SH   SOLE   335,946 0 10,780
THE WALT DISNEY CO COM 254687106 31,558 283,006 SH   SOLE   274,188 0 8,818
TRAVELERS COMPANIES INC COM 89417e109 1,031 9,037 SH   SOLE   9,037 0 0
TRUIST FINANCIAL CORP COM 89832q109 22,244 592,378 SH   SOLE   566,718 0 25,660
UNION PACIFIC CORP COM 907818108 896 5,298 SH   SOLE   5,198 0 100
UNITED PARCEL SERVICE B COM 911312106 26,773 240,811 SH   SOLE   232,178 0 8,633
UNITEDHEALTH GROUP COM 91324P102 47,614 161,431 SH   SOLE   157,171 0 4,260
US BANCORP COM 902973304 19,920 541,020 SH   SOLE   519,024 0 21,996
UTILITIES SELECT SECTOR SPDR COM 81369Y886 4,279 75,823 SH   SOLE   52,390 0 23,433
VANGUARD DIVIDEND APPRECIATION ETF COM 921908844 780 6,656 SH   SOLE   5,546 0 1,110
VANGUARD FTSE EMERGING MARKETS ETF COM 922042858 1,128 28,490 SH   SOLE   28,490 0 0
VANGUARD S&P 500 ETF COM 922908363 447 1,578 SH   SOLE   90 0 1,488
VANGUARD SHORT-TERM CORPORATE ETF COM 92206c409 1,194 14,442 SH   SOLE   9,092 0 5,350
VANGUARD SHORT-TERM BOND ETF COM 921937827 501 6,022 SH   SOLE   6,022 0 0
VANGUARD TOTAL BOND MKT COM 921937835 228 2,578 SH   SOLE   2,578 0 0
VERIZON COMMUNICATIONS COM 92343v104 39,248 711,911 SH   SOLE   684,902 0 27,009
WALGREENS BOOTS ALLIANCE INC COM 931427108 267 6,307 SH   SOLE   6,307 0 0
WALMART INC COM 931142103 1,162 9,701 SH   SOLE   9,701 0 0
WEC ENERGY GROUP INC COM 92939u106 456 5,200 SH   SOLE   5,200 0 0
WELLS FARGO & COMPANY COM 949746101 399 15,600 SH   SOLE   15,500 0 100
WESTERN DIGITAL CORP COM 958102105 368 8,345 SH   SOLE   8,295 0 50
WILLIAMS COS INC COM 969457100 15,809 831,176 SH   SOLE   790,306 0 40,870
WORTHINGTON INDUSTRIES INC COM 981811102 506 13,563 SH   SOLE   13,563 0 0
XCEL ENERGY COM 98389B100 32,233 515,729 SH   SOLE   495,258 0 20,471