﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.irs.gov/efile" returnVersion="2025v4.2">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2026-07-08T08:18:21-05:00</ReturnTs>
    <TaxPeriodEndDt>2025-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>394946450</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>BOWERS ADVISORS LLC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>1120 COMMERCE PARK DRIVE EAST</AddressLine1Txt>
        <CityNm>WATERTOWN</CityNm>
        <StateAbbreviationCd>NY</StateAbbreviationCd>
        <ZIPCd>13601</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2025-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>611739748</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>JANE E DELINE FOUNDATION</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>JANE</BusinessNameControlTxt>
      <PhoneNum>3157886700</PhoneNum>
      <USAddress>
        <AddressLine1Txt>220 STERLING STREET</AddressLine1Txt>
        <CityNm>WATERTOWN</CityNm>
        <StateAbbreviationCd>NY</StateAbbreviationCd>
        <ZIPCd>13601</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>CATHERINE BURNS QUENCER</PersonNm>
      <PersonTitleTxt>TRUSTEE</PersonTitleTxt>
      <PhoneNum>3157886700</PhoneNum>
      <SignatureDt>2026-06-29</SignatureDt>
      <DiscussWithPaidPreparerInd>1</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <PreparerPersonGrp>
      <PreparerPersonNm>ELIZABETH A BUSH</PreparerPersonNm>
      <PTIN>P01264627</PTIN>
      <PhoneNum>3157887690</PhoneNum>
      <PreparationDt>2026-06-29</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2025</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="8">
    <IRS990PF documentId="RetDoc1235000001">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>7889188</FMVAssetsEOYAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <InterestOnSavRevAndExpnssAmt>46675</InterestOnSavRevAndExpnssAmt>
        <DividendsRevAndExpnssAmt>200437</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>200437</DividendsNetInvstIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt>53500</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>1528202</GrossSalesPriceAmt>
        <CapGainNetIncmNetInvstIncmAmt>53500</CapGainNetIncmNetInvstIncmAmt>
        <TotalRevAndExpnssAmt>300612</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>253937</TotalNetInvstIncmAmt>
        <CompOfcrDirTrstRevAndExpnssAmt>15040</CompOfcrDirTrstRevAndExpnssAmt>
        <CompOfcrDirTrstNetInvstIncmAmt>0</CompOfcrDirTrstNetInvstIncmAmt>
        <CompOfcrDirTrstDsbrsChrtblAmt>0</CompOfcrDirTrstDsbrsChrtblAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="RetDoc2002200001">6250</AccountingFeesRevAndExpnssAmt>
        <AccountingFeesNetInvstIncmAmt>0</AccountingFeesNetInvstIncmAmt>
        <AccountingFeesChrtblPrpsAmt>0</AccountingFeesChrtblPrpsAmt>
        <OtherProfFeesRevAndExpnssAmt referenceDocumentId="RetDoc2002300001">56642</OtherProfFeesRevAndExpnssAmt>
        <OtherProfFeesNetInvstIncmAmt>51039</OtherProfFeesNetInvstIncmAmt>
        <OtherProfFeesDsbrsChrtblAmt>0</OtherProfFeesDsbrsChrtblAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="RetDoc2002500001">3749</TaxesRevAndExpnssAmt>
        <TaxesNetInvstIncmAmt>688</TaxesNetInvstIncmAmt>
        <TaxesDsbrsChrtblAmt>0</TaxesDsbrsChrtblAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="RetDoc2003200001">13592</OtherExpensesRevAndExpnssAmt>
        <OtherExpensesNetInvstIncmAmt>0</OtherExpensesNetInvstIncmAmt>
        <OtherExpensesDsbrsChrtblAmt>0</OtherExpensesDsbrsChrtblAmt>
        <TotOprExpensesRevAndExpnssAmt>95273</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>51727</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>0</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>402698</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>402698</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>497971</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>51727</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>402698</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-197359</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>202210</NetInvestmentIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>686067</CashBOYAmt>
        <CashEOYAmt>168377</CashEOYAmt>
        <CashEOYFMVAmt>168377</CashEOYFMVAmt>
        <CorporateStockBOYAmt>5987343</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="RetDoc2018900001">6317018</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>7689690</CorporateStockEOYFMVAmt>
        <OtherAssetsBOYAmt referenceDocumentId="RetDoc2046600001">31065</OtherAssetsBOYAmt>
        <OtherAssetsEOYAmt referenceDocumentId="RetDoc2046600001">31121</OtherAssetsEOYAmt>
        <OtherAssetsEOYFMVAmt referenceDocumentId="RetDoc2046600001">31121</OtherAssetsEOYFMVAmt>
        <TotalAssetsBOYAmt>6704475</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>6516516</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>7889188</TotalAssetsEOYFMVAmt>
        <OtherLiabilitiesBOYAmt referenceDocumentId="RetDoc2065700001">9680</OtherLiabilitiesBOYAmt>
        <OtherLiabilitiesEOYAmt referenceDocumentId="RetDoc2065700001">19080</OtherLiabilitiesEOYAmt>
        <TotalLiabilitiesBOYAmt>9680</TotalLiabilitiesBOYAmt>
        <TotalLiabilitiesEOYAmt>19080</TotalLiabilitiesEOYAmt>
        <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
        <NoDonorRstrNetAssestsBOYAmt>6694795</NoDonorRstrNetAssestsBOYAmt>
        <NoDonorRstrNetAssestsEOYAmt>6497436</NoDonorRstrNetAssestsEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>6694795</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>6497436</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>6704475</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>6516516</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>6694795</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-197359</ExcessRevenueOverExpensesAmt>
        <OtherIncreasesAmt>0</OtherIncreasesAmt>
        <SubtotalAmt>6497436</SubtotalAmt>
        <OtherDecreasesAmt>0</OtherDecreasesAmt>
        <TotNetAstOrFundBalancesEOYAmt>6497436</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>BANK AMERICA CORP</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-09-23</AcquiredDt>
          <SoldDt>2025-09-19</SoldDt>
          <GrossSalesPriceAmt>50000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>49925</CostOrOtherBasisAmt>
          <GainOrLossAmt>75</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>75</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL ONE BANK</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2022-06-06</AcquiredDt>
          <SoldDt>2025-06-02</SoldDt>
          <GrossSalesPriceAmt>50000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>49975</CostOrOtherBasisAmt>
          <GainOrLossAmt>25</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>25</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CORNING INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2022-08-19</AcquiredDt>
          <SoldDt>2025-04-07</SoldDt>
          <GrossSalesPriceAmt>9922</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>9086</CostOrOtherBasisAmt>
          <GainOrLossAmt>836</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>836</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>DCP MIDSTREAM OPER LP</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-06-27</AcquiredDt>
          <SoldDt>2025-06-30</SoldDt>
          <GrossSalesPriceAmt>32000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>31773</CostOrOtherBasisAmt>
          <GainOrLossAmt>227</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>227</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>DISCOVER BK GREENWOOD DEL</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-04-23</AcquiredDt>
          <SoldDt>2025-04-07</SoldDt>
          <GrossSalesPriceAmt>100000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>100000</CostOrOtherBasisAmt>
          <GainOrLossAmt>0</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>0</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>DOW INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2019-06-18</AcquiredDt>
          <SoldDt>2025-11-06</SoldDt>
          <GrossSalesPriceAmt>4481</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>10051</CostOrOtherBasisAmt>
          <GainOrLossAmt>-5570</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-5570</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>DOW INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2019-02-07</AcquiredDt>
          <SoldDt>2025-11-06</SoldDt>
          <GrossSalesPriceAmt>2240</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>5270</CostOrOtherBasisAmt>
          <GainOrLossAmt>-3030</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-3030</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>DOW INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2020-02-26</AcquiredDt>
          <SoldDt>2025-11-06</SoldDt>
          <GrossSalesPriceAmt>2240</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>4451</CostOrOtherBasisAmt>
          <GainOrLossAmt>-2211</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-2211</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>DUPONT DE NEMOURS INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2019-02-07</AcquiredDt>
          <SoldDt>2025-11-06</SoldDt>
          <GrossSalesPriceAmt>3908</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>3179</CostOrOtherBasisAmt>
          <GainOrLossAmt>729</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>729</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>DUPONT DE NEMOURS INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2019-06-18</AcquiredDt>
          <SoldDt>2025-11-06</SoldDt>
          <GrossSalesPriceAmt>3908</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>3072</CostOrOtherBasisAmt>
          <GainOrLossAmt>836</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>836</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>DUPONT DE NEMOURS INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2020-02-26</AcquiredDt>
          <SoldDt>2025-11-06</SoldDt>
          <GrossSalesPriceAmt>3908</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>1957</CostOrOtherBasisAmt>
          <GainOrLossAmt>1951</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1951</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>DUPONT DE NEMOURS INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2020-01-31</AcquiredDt>
          <SoldDt>2025-11-06</SoldDt>
          <GrossSalesPriceAmt>7816</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>4201</CostOrOtherBasisAmt>
          <GainOrLossAmt>3615</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>3615</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ENCORE CAPITAL GROUP INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-08-24</AcquiredDt>
          <SoldDt>2025-09-29</SoldDt>
          <GrossSalesPriceAmt>21823</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>23639</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1816</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1816</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>FEDERAL FARM CREDIT BANK</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-08-05</AcquiredDt>
          <SoldDt>2025-09-15</SoldDt>
          <GrossSalesPriceAmt>50000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>49925</CostOrOtherBasisAmt>
          <GainOrLossAmt>75</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>75</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>FEDERAL FARM CREDIT BANK</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-08-27</AcquiredDt>
          <SoldDt>2025-11-04</SoldDt>
          <GrossSalesPriceAmt>100000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>100000</CostOrOtherBasisAmt>
          <GainOrLossAmt>0</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>0</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>FEDERAL HOME LOAN BANK</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2022-08-19</AcquiredDt>
          <SoldDt>2025-08-28</SoldDt>
          <GrossSalesPriceAmt>100000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>100000</CostOrOtherBasisAmt>
          <GainOrLossAmt>0</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>0</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>FEDERAL HOME LOAN BANK</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-03-03</AcquiredDt>
          <SoldDt>2025-11-24</SoldDt>
          <GrossSalesPriceAmt>50000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>50000</CostOrOtherBasisAmt>
          <GainOrLossAmt>0</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>0</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>FEDERAL HOME LOAN BANK</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-01-10</AcquiredDt>
          <SoldDt>2025-01-29</SoldDt>
          <GrossSalesPriceAmt>100000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>99985</CostOrOtherBasisAmt>
          <GainOrLossAmt>15</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>15</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>GENERAL MILLS INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-06-23</AcquiredDt>
          <SoldDt>2025-09-22</SoldDt>
          <GrossSalesPriceAmt>9984</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>16328</CostOrOtherBasisAmt>
          <GainOrLossAmt>-6344</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-6344</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>GILEAD SCIENCES INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2016-07-29</AcquiredDt>
          <SoldDt>2025-03-21</SoldDt>
          <GrossSalesPriceAmt>10594</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>7996</CostOrOtherBasisAmt>
          <GainOrLossAmt>2598</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>2598</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>GILEAD SCIENCES INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2017-02-09</AcquiredDt>
          <SoldDt>2025-03-21</SoldDt>
          <GrossSalesPriceAmt>15891</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>9853</CostOrOtherBasisAmt>
          <GainOrLossAmt>6038</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>6038</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>INTEL CORP</PropertyDesc>
          <HowAcquiredCd>D</HowAcquiredCd>
          <AcquiredDt>2014-06-28</AcquiredDt>
          <SoldDt>2025-04-02</SoldDt>
          <GrossSalesPriceAmt>10935</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>15420</CostOrOtherBasisAmt>
          <GainOrLossAmt>-4485</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-4485</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>INTEL CORP</PropertyDesc>
          <HowAcquiredCd>D</HowAcquiredCd>
          <AcquiredDt>2014-06-28</AcquiredDt>
          <SoldDt>2025-08-22</SoldDt>
          <GrossSalesPriceAmt>12561</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>15420</CostOrOtherBasisAmt>
          <GainOrLossAmt>-2859</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-2859</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>INVESCO EXCHANGE TRADED FUND</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-02-28</AcquiredDt>
          <SoldDt>2025-04-08</SoldDt>
          <GrossSalesPriceAmt>30534</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>32334</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1800</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1800</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>INVESCO EXCHANGE TRADED FUND</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-02-15</AcquiredDt>
          <SoldDt>2025-04-08</SoldDt>
          <GrossSalesPriceAmt>30534</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>32334</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1800</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1800</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES GOLD TRUST</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-04-24</AcquiredDt>
          <SoldDt>2025-05-22</SoldDt>
          <GrossSalesPriceAmt>15594</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>9390</CostOrOtherBasisAmt>
          <GainOrLossAmt>6204</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>6204</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>ISHARES US INSURANCE ETF</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-08-16</AcquiredDt>
          <SoldDt>2025-04-07</SoldDt>
          <GrossSalesPriceAmt>24551</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>24488</CostOrOtherBasisAmt>
          <GainOrLossAmt>63</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>63</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>MERCK &amp; CO INC</PropertyDesc>
          <HowAcquiredCd>D</HowAcquiredCd>
          <AcquiredDt>2014-06-28</AcquiredDt>
          <SoldDt>2025-02-14</SoldDt>
          <GrossSalesPriceAmt>20749</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>13792</CostOrOtherBasisAmt>
          <GainOrLossAmt>6957</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>6957</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>MICRON TECHNOLOGY INC SENIOR</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-06-26</AcquiredDt>
          <SoldDt>2025-10-24</SoldDt>
          <GrossSalesPriceAmt>27511</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>26260</CostOrOtherBasisAmt>
          <GainOrLossAmt>1251</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1251</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>MP MATERIALS CORPORATION</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-12-01</AcquiredDt>
          <SoldDt>2025-10-22</SoldDt>
          <GrossSalesPriceAmt>1500</GrossSalesPriceAmt>
          <GainOrLossAmt>1500</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1500</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>NORTHWEST PIPELINE CORP</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-04-21</AcquiredDt>
          <SoldDt>2025-12-01</SoldDt>
          <GrossSalesPriceAmt>50000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>50000</CostOrOtherBasisAmt>
          <GainOrLossAmt>0</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>0</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>PAPA JOHNS INTERNATIONAL INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-10-22</AcquiredDt>
          <SoldDt>2025-12-22</SoldDt>
          <GrossSalesPriceAmt>1605</GrossSalesPriceAmt>
          <GainOrLossAmt>1605</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>1605</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>PAPA JOHNS INTERNATIONAL INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-01-22</AcquiredDt>
          <SoldDt>2025-07-21</SoldDt>
          <GrossSalesPriceAmt>21250</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>18061</CostOrOtherBasisAmt>
          <GainOrLossAmt>3189</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>3189</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>PERRIGO COMPANY PLC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-08-16</AcquiredDt>
          <SoldDt>2025-10-27</SoldDt>
          <GrossSalesPriceAmt>5393</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>9685</CostOrOtherBasisAmt>
          <GainOrLossAmt>-4292</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-4292</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>PERRIGO COMPANY PLC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-08-24</AcquiredDt>
          <SoldDt>2025-10-27</SoldDt>
          <GrossSalesPriceAmt>3236</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>5636</CostOrOtherBasisAmt>
          <GainOrLossAmt>-2400</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-2400</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>PINTEREST INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-08-18</AcquiredDt>
          <SoldDt>2025-06-18</SoldDt>
          <GrossSalesPriceAmt>851</GrossSalesPriceAmt>
          <GainOrLossAmt>851</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>851</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>PINTEREST INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-05-19</AcquiredDt>
          <SoldDt>2025-02-28</SoldDt>
          <GrossSalesPriceAmt>920</GrossSalesPriceAmt>
          <GainOrLossAmt>920</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>920</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>PINTEREST INC</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-11-24</AcquiredDt>
          <SoldDt>2025-09-11</SoldDt>
          <GrossSalesPriceAmt>580</GrossSalesPriceAmt>
          <GainOrLossAmt>580</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>580</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>SELECT SECTOR SPDR TRUST - STATE STREET INDUSTRIAL SELECT</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-12-06</AcquiredDt>
          <SoldDt>2025-03-14</SoldDt>
          <GrossSalesPriceAmt>19553</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>21060</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1507</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1507</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>SELECT SECTOR SPDR TRUST - STATE STREET INDUSTRIAL SELECT</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-12-04</AcquiredDt>
          <SoldDt>2025-03-14</SoldDt>
          <GrossSalesPriceAmt>13036</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>14212</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1176</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1176</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>SELECT SECTOR SPDR TRUST - STATE STREET ENERGY SELECT</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-09-29</AcquiredDt>
          <SoldDt>2025-10-27</SoldDt>
          <GrossSalesPriceAmt>17663</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>18087</CostOrOtherBasisAmt>
          <GainOrLossAmt>-424</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-424</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>SELECT SECTOR SPDR TRUST - STATE STREET ENERGY SELECT</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-09-30</AcquiredDt>
          <SoldDt>2025-10-27</SoldDt>
          <GrossSalesPriceAmt>8831</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>8777</CostOrOtherBasisAmt>
          <GainOrLossAmt>54</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>54</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>SELECT SECTOR SPDR TRUST - STATE STREET ENERGY SELECT</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2023-07-24</AcquiredDt>
          <SoldDt>2025-10-27</SoldDt>
          <GrossSalesPriceAmt>17663</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>17210</CostOrOtherBasisAmt>
          <GainOrLossAmt>453</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>453</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>SPDR SERIES TRUST SPDR BLOOMBERG</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-01-15</AcquiredDt>
          <SoldDt>2025-10-27</SoldDt>
          <GrossSalesPriceAmt>45852</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>45789</CostOrOtherBasisAmt>
          <GainOrLossAmt>63</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>63</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>SPDR SERIES TRUST SPDR BLOOMBERG</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-12-09</AcquiredDt>
          <SoldDt>2025-10-27</SoldDt>
          <GrossSalesPriceAmt>45852</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>45783</CostOrOtherBasisAmt>
          <GainOrLossAmt>69</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>69</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>SPDR SERIES TRUST SPDR BLOOMBERG</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-12-06</AcquiredDt>
          <SoldDt>2025-10-27</SoldDt>
          <GrossSalesPriceAmt>45852</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>45774</CostOrOtherBasisAmt>
          <GainOrLossAmt>78</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>78</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>UNITED STATES TREASURY BILL</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2024-02-28</AcquiredDt>
          <SoldDt>2025-01-23</SoldDt>
          <GrossSalesPriceAmt>100000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>95622</CostOrOtherBasisAmt>
          <GainOrLossAmt>4378</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>4378</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>UNITED STATES TREASURY BILL</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <AcquiredDt>2025-05-29</AcquiredDt>
          <SoldDt>2025-07-10</SoldDt>
          <GrossSalesPriceAmt>150000</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>144519</CostOrOtherBasisAmt>
          <GainOrLossAmt>5481</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>5481</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>VERIZON COMMUNICATIONS</PropertyDesc>
          <HowAcquiredCd>D</HowAcquiredCd>
          <AcquiredDt>2014-06-28</AcquiredDt>
          <SoldDt>2025-04-21</SoldDt>
          <GrossSalesPriceAmt>8560</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>9824</CostOrOtherBasisAmt>
          <GainOrLossAmt>-1264</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-1264</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>VERIZON COMMUNICATIONS</PropertyDesc>
          <HowAcquiredCd>D</HowAcquiredCd>
          <AcquiredDt>2014-06-28</AcquiredDt>
          <SoldDt>2025-04-23</SoldDt>
          <GrossSalesPriceAmt>21102</GrossSalesPriceAmt>
          <CostOrOtherBasisAmt>24559</CostOrOtherBasisAmt>
          <GainOrLossAmt>-3457</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>-3457</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapGainsLossTxInvstIncmGrp>
          <PropertyDesc>CAPITAL GAINS DIVIDENDS</PropertyDesc>
          <HowAcquiredCd>P</HowAcquiredCd>
          <GrossSalesPriceAmt>47219</GrossSalesPriceAmt>
          <GainOrLossAmt>47219</GainOrLossAmt>
          <GainsMinusExcessOrLossesAmt>47219</GainsMinusExcessOrLossesAmt>
        </CapGainsLossTxInvstIncmGrp>
        <CapitalGainNetIncomeAmt>53500</CapitalGainNetIncomeAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>2811</InvestmentIncomeExciseTaxAmt>
        <TaxUnderSection511Amt>0</TaxUnderSection511Amt>
        <SubtotalAmt>2811</SubtotalAmt>
        <SubtitleATaxAmt>0</SubtitleATaxAmt>
        <TaxBasedOnInvestmentIncomeAmt>2811</TaxBasedOnInvestmentIncomeAmt>
        <EstimatedPlusOvpmtIncmTxAmt>2890</EstimatedPlusOvpmtIncmTxAmt>
        <ExemptFrgnOrgTaxWthldAtSrceAmt>0</ExemptFrgnOrgTaxWthldAtSrceAmt>
        <ExtsnRequestIncomeTaxPaidAmt>0</ExtsnRequestIncomeTaxPaidAmt>
        <BackupWithholdingWithheldAmt>0</BackupWithholdingWithheldAmt>
        <TotalPaymentsAndCreditsAmt>2890</TotalPaymentsAndCreditsAmt>
        <EsPenaltyAmt>0</EsPenaltyAmt>
        <OverpaymentAmt>79</OverpaymentAmt>
        <AppliedToESTaxAmt>79</AppliedToESTaxAmt>
        <RefundAmt>0</RefundAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>0</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>0</MoreThan100SpentInd>
        <Form1120POLFiledInd>0</Form1120POLFiledInd>
        <Section4955OrganizationTaxAmt>0</Section4955OrganizationTaxAmt>
        <Section4955ManagersTaxAmt>0</Section4955ManagersTaxAmt>
        <TaxReimbursedAmt>0</TaxReimbursedAmt>
        <ActivitiesNotPreviouslyRptInd>0</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>0</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>0</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>0</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>0</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>1</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>NY</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>1</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>0</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>0</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>0</OwnControlledEntityInd>
        <DonorAdvisedFundInd>0</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>1</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <IndividualWithBooksNm>CATHERINE BURNS QUENCER</IndividualWithBooksNm>
        <PhoneNum>3157886700</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>220 STERLING STREET</AddressLine1Txt>
          <CityNm>WATERTOWN</CityNm>
          <StateAbbreviationCd>NY</StateAbbreviationCd>
          <ZIPCd>13601</ZIPCd>
        </LocationOfBooksUSAddress>
        <ForeignAccountsQuestionInd>0</ForeignAccountsQuestionInd>
      </StatementsRegardingActyGrp>
      <StatementsRegardingActy4720Grp>
        <SaleOrExchDisqualifiedPrsnInd>0</SaleOrExchDisqualifiedPrsnInd>
        <BrrwOrLendDisqualifiedPrsnInd>0</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>0</FurnGoodsDisqualifiedPrsnInd>
        <PayCompDisqualifiedPrsnInd>0</PayCompDisqualifiedPrsnInd>
        <TransferAstDisqualifiedPrsnInd>0</TransferAstDisqualifiedPrsnInd>
        <PaymentToGovernmentOfficialInd>0</PaymentToGovernmentOfficialInd>
        <UncorrectedPriorActsInd>0</UncorrectedPriorActsInd>
        <UndistributedIncomePYInd>0</UndistributedIncomePYInd>
        <BusinessHoldingsInd>0</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>0</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>0</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>0</InfluenceLegislationInd>
        <InfluenceElectionInd>0</InfluenceElectionInd>
        <GrantsToIndividualsInd>0</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>0</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>0</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>0</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>0</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>0</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>0</SubjToTaxRmnrtnExPrchtPymtInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>JOHN WHEELER</PersonNm>
          <USAddress>
            <AddressLine1Txt>417 LACHENAUER DRIVE</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0.50</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>3008</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>THOMAS E COLLIGAN</PersonNm>
          <USAddress>
            <AddressLine1Txt>546 NE MONROE STREET</AddressLine1Txt>
            <CityNm>PORTLAND</CityNm>
            <StateAbbreviationCd>OR</StateAbbreviationCd>
            <ZIPCd>97212</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0.50</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>3008</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>RICHARD E POULSEN</PersonNm>
          <USAddress>
            <AddressLine1Txt>PO BOX 437</AddressLine1Txt>
            <CityNm>HENDEERSON HARBOR</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13651</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0.50</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>3008</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>WILLIAM G HARTMAN</PersonNm>
          <USAddress>
            <AddressLine1Txt>926 GOTHAM STREET</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0.50</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>3008</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>CATHERINE BURNS QUENCER</PersonNm>
          <USAddress>
            <AddressLine1Txt>220 STERLING STREET</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>0.50</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>3008</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <OtherEmployeePaidOver50kCnt>0</OtherEmployeePaidOver50kCnt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
        <ContractorPaidOver50kCnt>0</ContractorPaidOver50kCnt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SumOfProgramRelatedInvstGrp>
        <TotalAmt>0</TotalAmt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>7186726</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>427222</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>7613948</TotalFMVOfUnusedAssetsAmt>
        <ReductionClaimedAmt>0</ReductionClaimedAmt>
        <AcquisitionIndebtednessAmt>0</AcquisitionIndebtednessAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>7613948</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>114209</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>7499739</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>374987</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>374987</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>2811</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>2811</TotalTaxAmt>
        <DistributableBeforeAdjAmt>372176</DistributableBeforeAdjAmt>
        <RecoveriesQualfiedDistriAmt>0</RecoveriesQualfiedDistriAmt>
        <DistributableBeforeDedAmt>372176</DistributableBeforeDedAmt>
        <DeductionFromDistributableAmt>0</DeductionFromDistributableAmt>
        <DistributableAsAdjustedAmt>372176</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>402698</ExpensesAndContributionsAmt>
        <ProgramRelatedInvstTotalAmt>0</ProgramRelatedInvstTotalAmt>
        <QualifyingDistributionsAmt>402698</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>372176</DistributableAsAdjustedAmt>
        <UndistributedIncomePYAmt>0</UndistributedIncomePYAmt>
        <TotalForPriorYearsAmt>0</TotalForPriorYearsAmt>
        <ExcessDistributionCyovYr5Amt>571</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr3Amt>12236</ExcessDistributionCyovYr3Amt>
        <ExcessDistributionCyovYr2Amt>17604</ExcessDistributionCyovYr2Amt>
        <TotalExcessDistributionCyovAmt>30411</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>402698</QualifyingDistributionsAmt>
        <AppliedToYear1Amt>0</AppliedToYear1Amt>
        <AppliedToPriorYearsAmt>0</AppliedToPriorYearsAmt>
        <TreatedAsDistriFromCorpusAmt>0</TreatedAsDistriFromCorpusAmt>
        <AppliedToCurrentYearAmt>372176</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>30522</RemainingDistriFromCorpusAmt>
        <ExcessDistriCyovAppCYCorpusAmt>0</ExcessDistriCyovAppCYCorpusAmt>
        <ExcessDistributionCyovAppCYAmt>0</ExcessDistributionCyovAppCYAmt>
        <TotalCorpusAmt>60933</TotalCorpusAmt>
        <PriorYearUndistributedIncmAmt>0</PriorYearUndistributedIncmAmt>
        <PriorYearDeficiencyOrTaxAmt>0</PriorYearDeficiencyOrTaxAmt>
        <Taxable1Amt>0</Taxable1Amt>
        <Taxable2Amt>0</Taxable2Amt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <CorpusDistri170b1EOr4942g3Amt>0</CorpusDistri170b1EOr4942g3Amt>
        <ExcessDistriCyovFromYr5Amt>571</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>60362</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear3Amt>12236</ExcessFromYear3Amt>
        <ExcessFromYear2Amt>17604</ExcessFromYear2Amt>
        <ExcessFromCurrentYearAmt>30522</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <ApplicationSubmissionInfoGrp>
          <RecipientPersonNm>CATHERINE BURNS QUENCER</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>220 STERLING STREET</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientPhoneNum>3157886700</RecipientPhoneNum>
          <FormAndInfoAndMaterialsTxt>WRITTEN APPLICATION THAT IS SUFFICIENT TO DEMONSTRATE NEED.</FormAndInfoAndMaterialsTxt>
          <SubmissionDeadlinesTxt>NONE.</SubmissionDeadlinesTxt>
          <RestrictionsOnAwardsTxt>NONE.</RestrictionsOnAwardsTxt>
        </ApplicationSubmissionInfoGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>AMERICAN RED CROSS</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>203 N HAMILTON ST</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ARC JEFFERSON ST LAWRENCE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>380 GAFFNEY DRIVE</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>25000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>COMMUNITY ACTION PLANNING</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>518 DAVIDSON ST SUITE 1</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>38000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>COMPASSIONATE CARE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>22877 BELLE RIDGE</AddressLine1Txt>
            <CityNm>DEXTER</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13634</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>HOSPICE OF JEFFERSON</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1398 GOTHAM STREET</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>30000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>NORTH COUNTRY FAMILY HEALTH</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>238 ARSENAL STREET</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>40228</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>NORTH COUNTRY PRENATAL COUNCIL</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>200 WASHINGTON ST SUITE 300</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>1440</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WATERTOWN CHAPEL</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>716 WASHINGTON STREET</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WATERTOWN FAMILY YMCA</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>119 WASHINGTON STREET</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>50000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WATERTOWN SENIOR CENTER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>167 POLK STREET</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>3600</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WATERTOWN URBAN MISSION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>247 FACTORY ST</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>7560</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SAMARITAN MEDICAL CENTER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>830 WASHINGTON ST</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>7000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>ALDERSGATE CAMP &amp; RETREAT CENTER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1043 SNAKE HILL RD</AddressLine1Txt>
            <CityNm>NORTH SCITUATE</CityNm>
            <StateAbbreviationCd>RI</StateAbbreviationCd>
            <ZIPCd>02857</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>CATHOLIC CHARITIES INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>44 PUBLIC SQUARE</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THE RESOLUTION CENTER OF JEFFERSON &amp; LEWIS COUNTIES</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>531 WASHINGTON STREET</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>15000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>THRIVE WELLNESS AND RECOVERY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>611 W MAIN ST</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>30000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>DISABLED PERSON'S ACTION ORGANIZATION</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>617 DAVIDSON STREET</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>44870</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>NY CHAPEL OF SALVATION ARMY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>723 STATE ST</AddressLine1Txt>
            <CityNm>WATERTOWN</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>ASSISTANCE</GrantOrContributionPurposeTxt>
          <Amt>50000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>402698</TotalGrantOrContriPdDurYrAmt>
        <TotalGrantOrContriApprvFutAmt>0</TotalGrantOrContriApprvFutAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>46675</ExclusionAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>200437</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>19</ExclusionCd>
          <ExclusionAmt>53500</ExclusionAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <UnrelatedBusinessTaxblIncmAmt>0</UnrelatedBusinessTaxblIncmAmt>
          <ExclusionAmt>300612</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>0</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>300612</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <RlnOfActyToAccomOfExmptPrpsGrp>
        <RlnOfActyToAccomOfExmptPrpsGrp>
          <LineNumberTxt>2</LineNumberTxt>
          <RelationshipStatementTxt>ASSISTANCE TO CHARITABLE, RELIGIOUS, AND SCIENTIFIC INSTITUTIONS, AS WELL AS FOR LITERARY AND/OR EDUCATIONAL PURPOSES.</RelationshipStatementTxt>
        </RlnOfActyToAccomOfExmptPrpsGrp>
      </RlnOfActyToAccomOfExmptPrpsGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>0</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>0</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>0</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>0</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>0</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>0</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>0</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>0</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>0</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>0</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="RetDoc2002200001">
      <AccountingFeesDetail>
        <CategoryTxt>ACCOUNTING FEES</CategoryTxt>
        <Amt>6250</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc2018900001">
      <InvestmentsCorporateStockGrp>
        <StockNm>US EQUITIES - RBC</StockNm>
        <EOYBookValueAmt>2781761</EOYBookValueAmt>
        <EOYFMVAmt>3943574</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>US FIXED INCOME - RBC</StockNm>
        <EOYBookValueAmt>2930506</EOYBookValueAmt>
        <EOYFMVAmt>2955044</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MIXED SECURITIES - RBC</StockNm>
        <EOYBookValueAmt>489221</EOYBookValueAmt>
        <EOYFMVAmt>657097</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>INTERNATIONAL EQUITY SECURITIES</StockNm>
        <EOYBookValueAmt>115530</EOYBookValueAmt>
        <EOYFMVAmt>133975</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <OtherAssetsSchedule documentId="RetDoc2046600001">
      <OtherAssetsScheduleGrp>
        <Desc>ACCRUED BOND INTEREST</Desc>
        <BOYBookValueAmt>29175</BOYBookValueAmt>
        <EOYBookValueAmt>31042</EOYBookValueAmt>
        <EOYFMVAmt>31042</EOYFMVAmt>
      </OtherAssetsScheduleGrp>
      <OtherAssetsScheduleGrp>
        <Desc>FEDERAL EXCISE TAX PREPAID</Desc>
        <BOYBookValueAmt>1890</BOYBookValueAmt>
        <EOYBookValueAmt>79</EOYBookValueAmt>
        <EOYFMVAmt>79</EOYFMVAmt>
      </OtherAssetsScheduleGrp>
    </OtherAssetsSchedule>
    <OtherExpensesSchedule documentId="RetDoc2003200001">
      <OtherExpensesScheduleGrp>
        <Desc>INSURANCE</Desc>
        <RevenueAndExpensesPerBooksAmt>1942</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>MISCELLANEOUS</Desc>
        <RevenueAndExpensesPerBooksAmt>2250</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>DEFERRED TAX EXPENSE</Desc>
        <RevenueAndExpensesPerBooksAmt>9400</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherLiabilitiesSchedule documentId="RetDoc2065700001">
      <OtherLiabilitiesDetail>
        <Desc>DEFERRED TAX LIABILITY</Desc>
        <BOYBookValueAmt>9680</BOYBookValueAmt>
        <EOYBookValueAmt>19080</EOYBookValueAmt>
      </OtherLiabilitiesDetail>
    </OtherLiabilitiesSchedule>
    <OtherProfessionalFeesSchedule documentId="RetDoc2002300001">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>ADVISOR FEES</CategoryTxt>
        <Amt>56642</Amt>
        <NetInvestmentIncomeAmt>51039</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TaxesSchedule documentId="RetDoc2002500001">
      <TaxesDetail>
        <CategoryTxt>FEDERAL &amp; NYS INCOME TAX</CategoryTxt>
        <Amt>3061</Amt>
        <NetInvestmentIncomeAmt>0</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAX PAID</CategoryTxt>
        <Amt>688</Amt>
        <NetInvestmentIncomeAmt>688</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>0</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>