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The reader should not assume that the information is accurate and complete.

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

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALTRIA GROUP INC COM 02209S103   493,860 10,902 SH   SOLE   8,684 0 2,218
AMERISERV FINL INC COM 03074A102   1,823,281 717,827 SH   SOLE   0 0 717,827
APPLE INC COM 037833100   2,213,973 11,414 SH   SOLE   5,986 0 5,428
APPLE INC COM 037833100   353,025 1,820 SH   OTR   1,676 0 144
BP PLC SPONSORED ADR 055622104   933,667 26,457 SH   SOLE   0 0 26,457
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,794,001 5,261 SH   SOLE   5,261 0 0
BLACKROCK MUNIYIELD FD INC COM 09253W104   233,595 22,375 SH   SOLE   0 0 22,375
BRISTOL-MYERS SQUIBB CO COM 110122108   414,076 6,475 SH   SOLE   5,987 0 488
CISCO SYS INC COM 17275R102   480,095 9,279 SH   SOLE   9,179 0 100
COSTCO WHSL CORP NEW COM 22160K105   444,701 826 SH   SOLE   826 0 0
DANAHER CORPORATION COM 235851102   726,000 3,025 SH   SOLE   3,025 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   411,188 4,582 SH   SOLE   4,508 0 74
EXELON CORP COM 30161N101   503,872 12,368 SH   SOLE   12,368 0 0
EXXON MOBIL CORP COM 30231G102   263,513 2,457 SH   SOLE   2,064 0 393
F N B CORP COM 302520101   284,238 24,846 SH   SOLE   6,831 0 18,015
INVESCO QQQ TR UNIT SER 1 46090E103   1,106,412 2,995 SH   SOLE   2,995 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,034,162 6,911 SH   SOLE   6,911 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   229,368 5,547 SH   SOLE   5,547 0 0
ISHARES TR CORE S&P500 ETF 464287200   398,910 895 SH   SOLE   895 0 0
ISHARES TR CORE S&P500 ETF 464287200   328,488 737 SH   OTR   737 0 0
ISHARES TR S&P MC 400VL ETF 464287705   304,356 2,841 SH   SOLE   2,841 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   503,205 10,030 SH   SOLE   10,030 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   415,973 3,609 SH   SOLE   3,609 0 0
ISHARES TR CORE DIVID ETF 46435U861   228,814 5,982 SH   SOLE   5,982 0 0
KROGER CO COM 501044101   208,116 4,428 SH   SOLE   4,428 0 0
LILLY ELI & CO COM 532457108   1,408,815 3,004 SH   SOLE   2,804 0 200
LIVE OAK BANCSHARES INC COM 53803X105   2,955,770 112,344 SH   SOLE   0 0 112,344
MCDONALDS CORP COM 580135101   709,022 2,376 SH   SOLE   2,176 0 200
MICROSOFT CORP COM 594918104   602,415 1,769 SH   SOLE   1,764 0 5
MICROSOFT CORP COM 594918104   204,324 600 SH   OTR   600 0 0
NUCOR CORP COM 670346105   458,488 2,796 SH   SOLE   2,796 0 0
NUVEEN QUALITY MUNCP INCOME COM 67066V101   174,730 15,504 SH   SOLE   0 0 15,504
NUVEEN PENNSYLVANIA QLT MUN COM 670972108   374,078 33,281 SH   SOLE   33,281 0 0
PEPSICO INC COM 713448108   570,662 3,081 SH   SOLE   3,081 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107   240,624 4,138 SH   SOLE   4,138 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206   284,623 4,421 SH   SOLE   4,421 0 0
PRUDENTIAL FINL INC COM 744320102   218,962 2,482 SH   SOLE   2,482 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   674,672 1,522 SH   SOLE   992 0 530
SPDR S&P 500 ETF TR TR UNIT 78462F103   385,653 870 SH   OTR   870 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   340,360 2,186 SH   SOLE   2,186 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,746,089 3,949 SH   SOLE   3,949 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   371,492 6,435 SH   SOLE   6,435 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   20,746,435 50,939 SH   SOLE   50,939 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   387,323 951 SH   OTR   951 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   219,402 1,544 SH   SOLE   1,544 0 0
VISA INC COM CL A 92826C839   582,063 2,451 SH   SOLE   2,191 0 260
VISA INC COM CL A 92826C839   314,661 1,325 SH   OTR   1,292 0 33
WALMART INC COM 931142103   224,924 1,431 SH   SOLE   1,431 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   2,490,185 49,487 SH   SOLE   49,487 0 0