Thank you Chuck and posiepurrs. I actually went to the nursery and spoke with an arborist there. She felt it was two problems- black spot fungus and caterpillar damage. I never once saw any caterpillar or other insect, even with daily inspections. She told me to spray with a fungicide and to apply Biotone. Chuck, you were correct in your assessment. I wish there was something I could apply prophylactically so this doesn’t happen again next year. Of course I realize that I may have to forgo eating any fruit (if we ever get there) so that I have a healthy tree. Thank you again for your help!