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 CMN COM 88579y101 18 100 SH   SOLE   100 0 0
ABBOTT LABORATORIES COM 002824100 9,576 110,247 SH   SOLE   110,247 0 0
ABBVIE INC COM 00287y109 9,786 110,523 SH   SOLE   110,523 0 0
AEROJET ROCKETDYNE HOLDINGS IN COM 007800105 9 200 SH   SOLE   200 0 0
AIR PROD & CHEMICALS COM 009158106 23 99 SH   SOLE   99 0 0
ALCON INC F COM h01301128 6 105 SH   SOLE   105 0 0
ALEXION PHARMA INC COM 015351109 12 115 SH   SOLE   115 0 0
ALLIANCEBERNSTEIN HOLDING LP U COM 01881G106 9 300 SH   SOLE   300 0 0
ALPHABET INC. CMN CLASS C COM 02079k107 67 50 SH   SOLE   50 0 0
ALTERYX INC COM CL A COM 02156B103 32 317 SH   SOLE   317 0 0
AMAZON.COM INC COM 023135106 100 54 SH   SOLE   54 0 0
AMER ELECTRIC PWR CO COM 025537101 17 178 SH   SOLE   178 0 0
AMERICAN EXPRESS CO. CMN COM 025816109 28 225 SH   SOLE   225 0 0
AMERN TOWER CORP REIT COM 03027x100 22 94 SH   SOLE   94 0 0
AMGEN INC. COM 031162100 42 175 SH   SOLE   175 0 0
APPLE INC. CMN COM 037833100 293 997 SH   SOLE   997 0 0
AT&T INC. CMN COM 00206r102 47 1,193 SH   SOLE   1,193 0 0
AUTO DATA PROCESSING COM 053015103 252 1,476 SH   SOLE   1,476 0 0
BANCO SANTANDER SA COM 05964H105 24 5,743 SH   SOLE   5,743 0 0
BANK NEW YORK MELLON COM COM 064058100 112 2,221 SH   SOLE   2,221 0 0
BECTON DICKINSON&CO COM 075887109 150 552 SH   SOLE   552 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702 441 1,947 SH   SOLE   1,947 0 0
BLACK HILLS CORP COM COM 092113109 8 100 SH   SOLE   100 0 0
BOEING CO COM 097023105 52 160 SH   SOLE   160 0 0
BOSTON SCIENTIFIC CO COM 101137107 49 1,085 SH   SOLE   1,085 0 0
BP PLC SPON ADR COM 055622104 31 812 SH   SOLE   812 0 0
BRISTOL-MYERS SQUIBB COMPANY C COM 110122108 11 175 SH   SOLE   175 0 0
BROWN FORMAN CORP CL A COM 115637100 19 300 SH   SOLE   300 0 0
BROWN FORMAN CORP CL B COM 115637209 5 75 SH   SOLE   75 0 0
CABOT OIL & GAS CORP COM 127097103 2 92 SH   SOLE   92 0 0
CALIFORNIA WTR SVC GRP COM COM 130788102 98 1,904 SH   SOLE   1,904 0 0
CATERPILLAR INC COM 149123101 74 500 SH   SOLE   500 0 0
CHARLES RIV LABS INTL INC CMN COM 159864107 21 139 SH   SOLE   139 0 0
CHEVRON CORPORATION CMN COM 166764100 365 3,032 SH   SOLE   3,032 0 0
CINCINNATI BELL INC NEW COM NE COM 171871502 1 80 SH   SOLE   80 0 0
CISCO SYSTEMS INC COM 17275r102 39 804 SH   SOLE   804 0 0
CITIGROUP INC COM 172967424 67 842 SH   SOLE   842 0 0
CME GROUP INC CLASS A COM 12572q105 53 264 SH   SOLE   264 0 0
COMCAST CORP CLASS A COM 20030n101 3 65 SH   SOLE   65 0 0
CONAGRA BRANDS INC COM 205887102 19 557 SH   SOLE   557 0 0
CONOCOPHILLIPS COM 20825c104 16 250 SH   SOLE   250 0 0
CONSOL ENERGY INC. COM 20854L108 1 62 SH   SOLE   62 0 0
CORTEVA INC COM COM 22052L104 1 41 SH   SOLE   41 0 0
COSTCO WHOLESALE CO COM 22160k105 29 100 SH   SOLE   100 0 0
CRANE CO COM COM 224399105 26 300 SH   SOLE   300 0 0
CSX CORP COM 126408103 234 3,234 SH   SOLE   3,234 0 0
CURTISS WRIGHT CORP COM COM 231561101 14 100 SH   SOLE   100 0 0
CUSTOMERS BANCORP INC COM 23204G100 138 5,776 SH   SOLE   5,776 0 0
CVS HEALTH CORP COM 126650100 1 15 SH   SOLE   15 0 0
DANA INCORPORATED COM COM 235825205 11 600 SH   SOLE   600 0 0
DANAHER CORP EXCHANGE OFFER EX COM 235851102 4 25 SH   SOLE   25 0 0
DOLLAR GENERAL CORP COM 256677105 239 1,535 SH   SOLE   1,535 0 0
DOVER CORP COM 260003108 168 1,457 SH   SOLE   1,457 0 0
DOW INC. CMN COM 260557103 2 41 SH   SOLE   41 0 0
DUPONT DE NEMOURS INC CMN COM 26614n102 3 41 SH   SOLE   41 0 0
EATON CORP PLC F COM g29183103 759 8,016 SH   SOLE   8,016 0 0
EL PASO ELEC CO COM NEW COM 283677854 14 200 SH   SOLE   200 0 0
ENERGIZER HOLDINGS INC SHS COM 29272w109 5 90 SH   SOLE   90 0 0
ENPRO INDS INC COM COM 29355X107 94 1,411 SH   SOLE   1,411 0 0
ENTERPRISE PRODUCTS PARTNERS L COM 293792107 45 1,600 SH   SOLE   1,600 0 0
EXELON CORP COM 30161n101 113 2,483 SH   SOLE   2,483 0 0
FACEBOOK INC CLASS A COM 30303m102 21 100 SH   SOLE   100 0 0
FEDEX CORP COM 31428x106 23 150 SH   SOLE   150 0 0
FNCB BANCORP INC COM 302578109 53 6,230 SH   SOLE   6,230 0 0
FOMENTO ECONOMICO MEXICANO SAB COM 344419106 5 50 SH   SOLE   50 0 0
FORTIVE CORP DISC COM 34959j108 1 13 SH   SOLE   13 0 0
FORTUNE BRANDS HM&S COM 34964c106 23 350 SH   SOLE   350 0 0
GENERAL DYNAMICS CO COM 369550108 2 10 SH   SOLE   10 0 0
GENERAL MILLS INC COM 370334104 31 588 SH   SOLE   588 0 0
GENUINE PARTS CO COM 372460105 42 400 SH   SOLE   400 0 0
GOLDMAN SACHS GROUP COM 38141g104 8 35 SH   SOLE   35 0 0
GOODYEAR TIRE & RUBR COM COM 382550101 42 2,700 SH   SOLE   2,700 0 0
HILL-ROM HOLDINGS, INC. CMN COM 431475102 22 190 SH   SOLE   190 0 0
HOME DEPOT INC COM 437076102 22 100 SH   SOLE   100 0 0
HONEYWELL INTL INC CMN COM 438516106 61 344 SH   SOLE   344 0 0
HUBSPOT INC COM COM 443573100 20 126 SH   SOLE   126 0 0
INTEL CORP COM 458140100 84 1,396 SH   SOLE   1,396 0 0
ITT INC SHS COM 45073v108 15 207 SH   SOLE   207 0 0
JOHNSON & JOHNSON CMN COM 478160104 657 4,502 SH   SOLE   4,502 0 0
JPMORGAN CHASE & CO CMN COM 46625h100 150 1,078 SH   SOLE   1,078 0 0
KAMAN CORP COM COM 483548103 7 100 SH   SOLE   100 0 0
L3HARRIS TECHNOLOGIES IN COM 502431109 40 200 SH   SOLE   200 0 0
LAMB WESTON HOLDINGS INC COM 513272104 9 100 SH   SOLE   100 0 0
LAS VEGAS SANDS CORP. CMN COM 517834107 10 145 SH   SOLE   145 0 0
LHC GROUP INC COM COM 50187A107 29 208 SH   SOLE   208 0 0
LILLY ELI & CO COM 532457108 7 50 SH   SOLE   50 0 0
LOCKHEED MARTIN CORP COM 539830109 20 52 SH   SOLE   52 0 0
M & T BANK CORP COM 55261f104 544 3,202 SH   SOLE   3,202 0 0
MADISON SQUARE GARDEN CO NEW C COM 55825T103 12 40 SH   SOLE   40 0 0
MARATHON PETE CORP COM 56585a102 27 445 SH   SOLE   445 0 0
MASTERCARD INC CLASS A COM 57636q104 75 250 SH   SOLE   250 0 0
MC DONALDS CORP COM 580135101 322 1,628 SH   SOLE   1,628 0 0
MCCORMICK & CO INC COM NON VTG COM 579780206 66 391 SH   SOLE   391 0 0
MERCK & CO., INC. CMN COM 58933y105 316 3,469 SH   SOLE   3,469 0 0
METLIFE INC COM 59156r108 13 250 SH   SOLE   250 0 0
MICRON TECHNOLOGY COM 595112103 1 11 SH   SOLE   11 0 0
MICROSOFT CORPORATION CMN COM 594918104 405 2,571 SH   SOLE   2,571 0 0
MONDELEZ INTERNATIONAL, INC. C COM 609207105 36 645 SH   SOLE   645 0 0
MORGAN STANLEY COM 617446448 8 150 SH   SOLE   150 0 0
MSG NETWORK INC CL A COM 553573106 2 105 SH   SOLE   105 0 0
MYERS INDS INC COM COM 628464109 5 270 SH   SOLE   270 0 0
NAVISTAR INTL CORP (NEW) CMN COM 63934E108 20 700 SH   SOLE   700 0 0
NIKE INC CLASS B COM 654106103 10 100 SH   SOLE   100 0 0
NORTHERN TRUST CORP COM 665859104 52 494 SH   SOLE   494 0 0
NORTHROP GRUMMAN CO COM 666807102 3 10 SH   SOLE   10 0 0
NOVARTIS AG-ADR SPONSORED ADR COM 66987v109 50 525 SH   SOLE   525 0 0
OCCIDENTAL PETROL CO COM 674599105 25 615 SH   SOLE   615 0 0
ORACLE CORP COM 68389x105 93 1,754 SH   SOLE   1,754 0 0
PARKER-HANNIFIN CORP COM 701094104 144 700 SH   SOLE   700 0 0
PAYCHEX INC COM 704326107 18 211 SH   SOLE   211 0 0
PELOTON INTERACTIVE INC COM 70614W100 28 1,000 SH   SOLE   1,000 0 0
PEPSICO, INC. CMN COM 713448108 59 432 SH   SOLE   432 0 0
PFIZER INC. CMN COM 717081103 8 200 SH   SOLE   200 0 0
PNC FINL SERVICES COM 693475105 48 300 SH   SOLE   300 0 0
POST HOLDINGS INC SHS COM 737446104 55 500 SH   SOLE   500 0 0
PPL CORP COM 69351t106 74 2,060 SH   SOLE   2,060 0 0
PROCTER & GAMBLE COM 742718109 52 419 SH   SOLE   419 0 0
PUB SVC ENTERPISE GP COM 744573106 7 112 SH   SOLE   112 0 0
QTS RLTY TR INC COM CL A COM 74736A103 24 438 SH   SOLE   438 0 0
RAYTHEON CO COM 755111507 393 1,787 SH   SOLE   1,787 0 0
ROKU INC COM CL A COM 77543R102 122 908 SH   SOLE   908 0 0
RPC INC COM COM 749660106 3 487 SH   SOLE   487 0 0
RYMAN HOSPITALITY PPTYS INC CO COM 78377T107 69 792 SH   SOLE   792 0 0
S & T BANCORP INC COM COM 783859101 1,715 42,569 SH   SOLE   42,569 0 0
SALESFORCE COM COM 79466l302 8 50 SH   SOLE   50 0 0
SCRIPPS E W CO OHIO CL A NEW COM 811054402 2 103 SH   SOLE   103 0 0
SELECT MED HLDGS CORP COM COM 81619Q105 934 40,000 SH   SOLE   40,000 0 0
SELECTIVE INS GROUP COM COM 816300107 19 295 SH   SOLE   295 0 0
SONY CORP SPONSORED ADR COM 835699307 136 2,000 SH   SOLE   2,000 0 0
SOUTHWEST GAS HOLDINGS INC COM COM 844895102 23 300 SH   SOLE   300 0 0
STARBUCKS CORP COM 855244109 22 250 SH   SOLE   250 0 0
SYNNEX CORP COM 87162w100 2 12 SH   SOLE   12 0 0
TCG BDC INC COM COM 872280102 8,631 645,090 SH   SOLE   645,090 0 0
TEXAS INSTRUMENTS COM 882508104 160 1,244 SH   SOLE   1,244 0 0
THE COCA-COLA CO COM 191216100 117 2,127 SH   SOLE   2,127 0 0
TIFFANY & CO COM 886547108 92 691 SH   SOLE   691 0 0
UNION PACIFIC CORP COM 907818108 154 853 SH   SOLE   853 0 0
VALERO ENERGY CORP COM 91913y100 18 187 SH   SOLE   187 0 0
VERIZON COMMUNICATN COM 92343v104 84 1,369 SH   SOLE   1,369 0 0
VISA INC CLASS A COM 92826c839 40 215 SH   SOLE   215 0 0
VODAFONE GROUP PLC ADR CMN COM 92857w308 2 107 SH   SOLE   107 0 0
W R BERKLEY CORP COM 084423102 21 300 SH   SOLE   300 0 0
WALMART INC COM 931142103 192 1,615 SH   SOLE   1,615 0 0
WALT DISNEY CO COM 254687106 1 5 SH   SOLE   5 0 0
WELLS FARGO & CO (NEW) CMN COM 949746101 0 1 SH   SOLE   1 0 0
WELLTOWER INC REIT COM 95040q104 5 60 SH   SOLE   60 0 0
WESTERN MIDSTREAM PARTNERS LP COM 958669103 6 305 SH   SOLE   305 0 0
XCEL ENERGY INC MINN COM 98389b100 279 4,391 SH   SOLE   4,391 0 0
XYLEM INC. COM 98419m100 43 550 SH   SOLE   550 0 0
YORK WTR CO COM COM 987184108 74 1,600 SH   SOLE   1,600 0 0
ZENDESK, INC. CMN COM 98936j101 20 264 SH   SOLE   264 0 0
BRISTOL-MYERS SQUIBB CO COM - ETF 110122157 0 50 SH   SOLE   50 0 0
GLOBAL X MSCI NORWAY ETF 37950E747 461 36,786 SH   SOLE   36,786 0 0
INVESCO QQQ TRUST ETF 46090E103 808 3,800 SH   SOLE   3,800 0 0
ISHARES COMEX GOLD TRUST ETF 464285105 4,330 298,603 SH   SOLE   298,603 0 0
ISHARES CORE DIVIDEND GROWTH E ETF 46434V621 42 1,000 SH   SOLE   1,000 0 0
ISHARES CORE MSCI EMERGING MAR ETF 46434G103 185 3,450 SH   SOLE   3,450 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 10,512 32,520 SH   SOLE   32,520 0 0
ISHARES INC MSCI ITL ETF NEW ETF 46434G830 14 469 SH   SOLE   469 0 0
ISHARES MSCI ACWI ETF ETF 464288257 153,060 1,931,357 SH   SOLE   1,931,357 0 0
ISHARES MSCI ACWI EX US ETF 464288240 5,740 116,862 SH   SOLE   116,862 0 0
ISHARES MSCI CANADA ETF ETF 464286509 3,153 105,494 SH   SOLE   105,494 0 0
ISHARES MSCI EAFE ETF ETF 464287465 7,028 101,198 SH   SOLE   101,198 0 0
ISHARES MSCI EMERGING MARKETS ETF 464287234 7,176 159,935 SH   SOLE   159,935 0 0
ISHARES PREFERRED & INCO ETF 464288687 4,183 111,288 SH   SOLE   111,288 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 2,917 17,610 SH   SOLE   17,610 0 0
ISHARES SILVER TRUST ETF ETF 46428Q109 417 25,000 SH   SOLE   25,000 0 0
ISHARES TR RUSSELL MIDCAP ETF 464287499 318 5,337 SH   SOLE   5,337 0 0
ISHARES TR RUSSELL1000GRW ETF 464287614 1,319 7,500 SH   SOLE   7,500 0 0
ISHARES TR RUSSELL1000VAL ETF 464287598 1,581 11,587 SH   SOLE   11,587 0 0
ISHARES TR S&P500 GRW ETF 464287309 441 2,275 SH   SOLE   2,275 0 0
JP MORGAN CHASE ALERIAN ETN ETF 46625h365 34,688 1,590,449 SH   SOLE   1,590,449 0 0
MFC ISHARES TR CORE S&P SMALL- ETF 464287804 532 6,339 SH   SOLE   6,339 0 0
SPDR DOW JONES INDUSTRIAL AVER ETF 78467X109 1,083 3,800 SH   SOLE   3,800 0 0
SPDR GOLD TRUST ETF ETF 78463V107 21 150 SH   SOLE   150 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 105,159 326,723 SH   SOLE   326,723 0 0
SPDR SOLACTIVE CANADA ETF ETF 78463X376 1,035 16,675 SH   SOLE   16,675 0 0
TECHNOLOGY SELECT INDEX 'SPDR' ETF 81369Y803 46 500 SH   SOLE   500 0 0
VANGUARD DIVIDEND APPRECIATION ETF 921908844 526 4,221 SH   SOLE   4,221 0 0
VANGUARD ESG INTERNATIONAL STO ETF 921910725 213 3,984 SH   SOLE   3,984 0 0
VANGUARD ESG U.S. STOCK ETF ETF 921910733 310 5,475 SH   SOLE   5,475 0 0
VANGUARD EXTENDED MARKET ETF ETF 922908652 47 372 SH   SOLE   372 0 0
VANGUARD FTSE DEVELOPED MARKET ETF 921943858 7,880 178,852 SH   SOLE   178,852 0 0
VANGUARD FTSE EMERGING MKTS ET ETF 922042858 841 18,918 SH   SOLE   18,918 0 0
VANGUARD HIGH DVD YIELD ETF ETF 921946406 19 202 SH   SOLE   202 0 0
VANGUARD INDEX FDS SMALL CP ET ETF 922908751 518 3,125 SH   SOLE   3,125 0 0
VANGUARD MID-CAP ETF ETF 922908629 2 10 SH   SOLE   10 0 0
VANGUARD REIT ETF ETF 922908553 1,493 16,095 SH   SOLE   16,095 0 0
VANGUARD S&P 500 ETF ETF 922908363 36,522 123,471 SH   SOLE   123,471 0 0
VANGUARD TOTAL INTERNATIONAL S ETF 921909768 263,355 4,728,941 SH   SOLE   4,728,941 0 0
VANGUARD TOTAL STOCK MARKET ET ETF 922908769 182,928 1,118,004 SH   SOLE   1,118,004 0 0
VANGUARD TOTAL WORLD STOCK ETF 922042742 4,201 51,868 SH   SOLE   51,868 0 0
VGRD FTSE ALL WRLD EX US SML C ETF 922042718 36,213 325,953 SH   SOLE   325,953 0 0