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
ABBOTT LABS COM 002824100 4,109 37,522 SH   SOLE   37,522 0 0
ABBVIE INC COM 00287y109 4,368 40,762 SH   SOLE   40,762 0 0
ADOBE INC COM 00724F101 61 122 SH   SOLE   122 0 0
AIR PRODS & CHEMS INC COM 009158106 66 242 SH   SOLE   242 0 0
ALCON INC F COM H01301128 7 105 SH   SOLE   105 0 0
ALEXION PHARMACEUTICALS INC COM 015351109 18 115 SH   SOLE   115 0 0
ALPHABET INC. CLASS A COM 02079k305 95 54 SH   SOLE   54 0 0
ALPHABET INC. CMN CLASS C COM 02079k107 159 91 SH   SOLE   91 0 0
ALTERYX INC COM 02156B103 39 317 SH   SOLE   317 0 0
AMAZON COM INC COM 023135106 202 62 SH   SOLE   62 0 0
AMERICAN ELEC PWR CO INC COM 025537101 15 178 SH   SOLE   178 0 0
AMERICAN EXPRESS CO COM 025816109 73 600 SH   SOLE   600 0 0
AMERICAN TOWER CORP NEW COM 03027X100 160 714 SH   SOLE   714 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 72 471 SH   SOLE   471 0 0
AMGEN INC COM 031162100 108 469 SH   SOLE   469 0 0
APPLE INC COM 037833100 636 4,796 SH   SOLE   4,796 0 0
AT&T INC. CMN COM 00206r102 50 1,724 SH   SOLE   1,724 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 202 1,149 SH   SOLE   1,149 0 0
BANCO SANTANDER S.A. COM 05964H105 18 5,992 SH   SOLE   5,992 0 0
BK OF AMERICA CORP COM 060505104 29 956 SH   SOLE   956 0 0
BAXTER INTL INC COM 071813109 19 235 SH   SOLE   235 0 0
BECTON DICKINSON & CO COM 075887109 5 20 SH   SOLE   20 0 0
BERKSHIRE HATHAWAY INC DEL COM 084670702 4,879 21,044 SH   SOLE   21,044 0 0
BERKSHIRE HATHAWAY INC DEL COM 084670108 2,087 6 SH   SOLE   6 0 0
BLACKROCK INC COM 09247x101 42 58 SH   SOLE   58 0 0
BP PLC COM 055622104 45 2,192 SH   SOLE   2,192 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 11 175 SH   SOLE   175 0 0
BROADCOM INC COM 11135F101 38 87 SH   SOLE   87 0 0
CABOT OIL & GAS CORP COM 127097103 1 92 SH   SOLE   92 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 19 515 SH   SOLE   515 0 0
CATERPILLAR INC COM 149123101 137 750 SH   SOLE   750 0 0
CDW CORP COM 12514g108 16 125 SH   SOLE   125 0 0
LUMEN TECHNOLOGIES INC COM 156700106 2 156 SH   SOLE   156 0 0
CHARLES RIV LABS INTL INC COM 159864107 35 139 SH   SOLE   139 0 0
CHARTER COMMUNICATN CLASS A COM 16119p108 12 18 SH   SOLE   18 0 0
CHEVRON CORP NEW COM 166764100 253 2,998 SH   SOLE   2,998 0 0
CINCINNATI BELL INC NEW COM 171871502 1 80 SH   SOLE   80 0 0
CISCO SYSTEMS INC COM 17275r102 88 1,971 SH   SOLE   1,971 0 0
CITIGROUP INC COM 172967424 23 375 SH   SOLE   375 0 0
CME GROUP INC COM 12572Q105 69 379 SH   SOLE   379 0 0
COCA COLA CO COM 191216100 243 4,439 SH   SOLE   4,439 0 0
COMCAST CORP CLASS A COM 20030n101 24 449 SH   SOLE   449 0 0
CONAGRA BRANDS INC COM 205887102 20 557 SH   SOLE   557 0 0
CONCENTRIX CORP COM 20602D101 1 12 SH   SOLE   12 0 0
CONOCOPHILLIPS COM 20825c104 71 1,779 SH   SOLE   1,779 0 0
CORTEVA INC COM 22052L104 2 41 SH   SOLE   41 0 0
COSTCO WHSL CORP NEW COM 22160K105 98 260 SH   SOLE   260 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 35 218 SH   SOLE   218 0 0
CSX CORP COM 126408103 321 3,534 SH   SOLE   3,534 0 0
CUSTOMERS BANCORP INC COM 23204G100 105 5,776 SH   SOLE   5,776 0 0
CVS HEALTH CORP COM 126650100 66 972 SH   SOLE   972 0 0
DANAHER CORPORATION COM 235851102 68 305 SH   SOLE   305 0 0
DOVER CORP COM 260003108 184 1,457 SH   SOLE   1,457 0 0
DOW INC 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 71 589 SH   SOLE   589 0 0
EMERSON ELEC CO COM 291011104 39 480 SH   SOLE   480 0 0
ENPRO INDS INC COM 29355X107 107 1,411 SH   SOLE   1,411 0 0
LAUDER ESTEE COS INC COM 518439104 20 75 SH   SOLE   75 0 0
EVERSOURCE ENERGY COM 30040w108 5 59 SH   SOLE   59 0 0
EXELON CORP COM 30161N101 105 2,483 SH   SOLE   2,483 0 0
FACEBOOK INC CLASS A COM 30303m102 27 100 SH   SOLE   100 0 0
FEDEX CORP COM 31428x106 39 150 SH   SOLE   150 0 0
FIRST HORIZON CORPORATION COM 320517105 5 426 SH   SOLE   426 0 0
FNCB BANCORP INC COM 302578109 40 6,230 SH   SOLE   6,230 0 0
FORTIVE CORP DISC COM 34959j108 21 290 SH   SOLE   290 0 0
FOX CORP CLASS A COM 35137l105 1 18 SH   SOLE   18 0 0
FRANKLIN FINL SVCS CORP COM 353525108 54 2,000 SH   SOLE   2,000 0 0
GENERAL DYNAMICS CORP COM 369550108 1 10 SH   SOLE   10 0 0
GENERAL MLS INC COM 370334104 16 275 SH   SOLE   275 0 0
GOLDMAN SACHS GROUP COM 38141g104 9 35 SH   SOLE   35 0 0
GOODYEAR TIRE & RUBR CO COM 382550101 29 2,700 SH   SOLE   2,700 0 0
HILL ROM HLDGS INC COM 431475102 19 190 SH   SOLE   190 0 0
HOME DEPOT INC COM 437076102 148 557 SH   SOLE   557 0 0
HONEYWELL INTL INC COM 438516106 128 600 SH   SOLE   600 0 0
HUBSPOT INC COM 443573100 50 126 SH   SOLE   126 0 0
ILLINOIS TOOL WKS INC COM 452308109 20 97 SH   SOLE   97 0 0
INTEL CORP COM 458140100 114 2,291 SH   SOLE   2,291 0 0
INTERCONTINENTAL EXC COM 45866f104 63 550 SH   SOLE   550 0 0
SMUCKER J M CO COM 832696405 10 90 SH   SOLE   90 0 0
JOHNSON & JOHNSON COM 478160104 727 4,617 SH   SOLE   4,617 0 0
JPMORGAN CHASE & CO CMN COM 46625h100 249 1,962 SH   SOLE   1,962 0 0
KEYCORP COM 493267108 11 700 SH   SOLE   700 0 0
LAMB WESTON HLDGS INC COM 513272104 8 100 SH   SOLE   100 0 0
LHC GROUP INC COM 50187A107 44 208 SH   SOLE   208 0 0
LILLY ELI & CO COM 532457108 33 194 SH   SOLE   194 0 0
LOCKHEED MARTIN CORP COM 539830109 54 151 SH   SOLE   151 0 0
LYONDELLBASELL INDS F CLASS A COM n53745100 24 262 SH   SOLE   262 0 0
M & T BANK CORP COM 55261f104 389 3,053 SH   SOLE   3,053 0 0
MARSH & MCLENNAN COS INC COM 571748102 26 218 SH   SOLE   218 0 0
MARTIN MARIETTA MATLS INC COM 573284106 34 120 SH   SOLE   120 0 0
MASTERCARD INC CLASS A COM 57636q104 89 250 SH   SOLE   250 0 0
MCDONALDS CORP COM 580135101 106 495 SH   SOLE   495 0 0
MEDTRONIC PLC F COM g5960l103 47 398 SH   SOLE   398 0 0
MERCK & CO. INC COM 58933Y105 160 1,953 SH   SOLE   1,953 0 0
METLIFE INC COM 59156r108 12 250 SH   SOLE   250 0 0
MICRON TECHNOLOGY INC COM 595112103 1 11 SH   SOLE   11 0 0
MICROSOFT CORP COM 594918104 666 2,995 SH   SOLE   2,995 0 0
MONDELEZ INTL INC COM 609207105 90 1,544 SH   SOLE   1,544 0 0
MORGAN STANLEY COM 617446448 7 100 SH   SOLE   100 0 0
NEWS CORP NEW COM 65249B109 0 13 SH   SOLE   13 0 0
NEXTERA ENERGY INC COM 65339f101 64 836 SH   SOLE   836 0 0
NIKE INC COM 654106103 79 560 SH   SOLE   560 0 0
NORFOLK SOUTHN CORP COM 655844108 70 295 SH   SOLE   295 0 0
NORTHROP GRUMMAN CORP COM 666807102 3 10 SH   SOLE   10 0 0
NOVARTIS AG-ADR SPONSORED ADR COM 66987v109 50 525 SH   SOLE   525 0 0
NVIDIA CORP COM 67066g104 169 323 SH   SOLE   323 0 0
OCCIDENTAL PETE CORP COM 674599105 34 1,945 SH   SOLE   1,945 0 0
ORACLE CORP COM 68389x105 77 1,185 SH   SOLE   1,185 0 0
OTIS WORLDWIDE CORP COM 68902V107 4 57 SH   SOLE   57 0 0
PAYCHEX INC COM 704326107 50 534 SH   SOLE   534 0 0
PELOTON INTERACTIVE INC COM 70614W100 152 1,000 SH   SOLE   1,000 0 0
PEPSICO INC COM 713448108 146 984 SH   SOLE   984 0 0
PFIZER INC COM 717081103 95 2,592 SH   SOLE   2,592 0 0
PHILLIPS 66 COM 718546104 9 129 SH   SOLE   129 0 0
PNC FINL SVCS GROUP INC COM 693475105 845 5,672 SH   SOLE   5,672 0 0
PPL CORP COM 69351t106 58 2,060 SH   SOLE   2,060 0 0
PROCTER AND GAMBLE CO COM 742718109 86 619 SH   SOLE   619 0 0
PROLOGIS INC. REIT COM 74340w103 21 215 SH   SOLE   215 0 0
QTS RLTY TR INC COM 74736A103 27 438 SH   SOLE   438 0 0
QUALCOMM INC COM 747525103 58 380 SH   SOLE   380 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 32 448 SH   SOLE   448 0 0
REALTY INCOME CORP COM 756109104 11 178 SH   SOLE   178 0 0
S & T BANCORP INC COM 783859101 952 38,336 SH   SOLE   38,336 0 0
SALESFORCE COM COM 79466l302 24 110 SH   SOLE   110 0 0
SELECT MED HLDGS CORP COM 81619Q105 1,006 36,360 SH   SOLE   36,360 0 0
SELECTIVE INS GROUP INC COM 816300107 4 55 SH   SOLE   55 0 0
SEMPRA ENERGY COM 816851109 24 186 SH   SOLE   186 0 0
SOUTHERN CO COM 842587107 20 325 SH   SOLE   325 0 0
SOUTHWEST GAS HOLDINGS INC COM 844895102 18 300 SH   SOLE   300 0 0
STARBUCKS CORP COM 855244109 139 1,297 SH   SOLE   1,297 0 0
SYNNEX CORP COM 87162W100 1 12 SH   SOLE   12 0 0
TARGET CORP COM 87612E106 18 100 SH   SOLE   100 0 0
TEXAS INSTRS INC COM 882508104 139 847 SH   SOLE   847 0 0
TIFFANY & CO NEW COM 886547108 91 691 SH   SOLE   691 0 0
TJX COS INC NEW COM 872540109 18 270 SH   SOLE   270 0 0
TRUIST FINL CORP COM 89832q109 34 713 SH   SOLE   713 0 0
US BANCORP DEL COM 902973304 41 889 SH   SOLE   889 0 0
UNION PAC CORP COM 907818108 178 853 SH   SOLE   853 0 0
UNUM GROUP COM 91529y106 53 2,289 SH   SOLE   2,289 0 0
VALERO ENERGY CORP COM 91913y100 3 60 SH   SOLE   60 0 0
VERIZON COMMUNICATN COM 92343v104 128 2,179 SH   SOLE   2,179 0 0
VIATRIS INC COM 92556V106 6 318 SH   SOLE   318 0 0
VISA INC CLASS A COM 92826c839 91 415 SH   SOLE   415 0 0
VODAFONE GROUP PLC ADR CMN COM 92857w308 2 107 SH   SOLE   107 0 0
VONTIER CORPORATION COM 928881101 4 115 SH   SOLE   115 0 0
W E C ENERGY GROUP INC COM 92939u106 24 266 SH   SOLE   266 0 0
WALMART INC COM 931142103 160 1,108 SH   SOLE   1,108 0 0
DISNEY WALT CO COM 254687106 169 935 SH   SOLE   935 0 0
WELLTOWER INC REIT COM 95040q104 4 60 SH   SOLE   60 0 0
WIDEOPENWEST INC COM 96758W101 675 63,217 SH   SOLE   63,217 0 0
XCEL ENERGY INC MINN COM 98389b100 293 4,391 SH   SOLE   4,391 0 0
XYLEM INC. COM 98419m100 15 150 SH   SOLE   150 0 0
YORK WTR CO COM 987184108 75 1,600 SH   SOLE   1,600 0 0
ZENDESK, INC. CMN COM 98936j101 38 264 SH   SOLE   264 0 0
ZIMMER BIOMET HOLDI COM 98956p102 3 20 SH   SOLE   20 0 0
BRISTOL-MYERS SQUIBB CO ETF 110122157 0 50 SH   SOLE   50 0 0
OCCIDENTAL PETE CORP WT 674599162 2 243 SH   SOLE   243 0 0
ALPS ETF TR ETF 00162Q452 11,128 433,660 SH   SOLE   433,660 0 0
FLEXSHARES TR ETF 33939L837 107 4,442 SH   SOLE   4,442 0 0
FLEXSHARES TR ETF 33939L787 55 950 SH   SOLE   950 0 0
FLEXSHARES TR ETF 33939L407 38 1,155 SH   SOLE   1,155 0 0
FLEXSHARES TR ETF 33939L803 91 1,386 SH   SOLE   1,386 0 0
FLEXSHARES TR ETF 33939L860 1,289 26,081 SH   SOLE   26,081 0 0
GLOBAL X FDS ETF 37950E747 462 36,786 SH   SOLE   36,786 0 0
INNOVATOR ETFS TR ETF 45782C680 294 10,400 SH   SOLE   10,400 0 0
INNOVATOR ETFS TR ETF 45782C656 19,291 690,956 SH   SOLE   690,956 0 0
INNOVATOR ETFS TR ETF 45782C797 3,067 110,261 SH   SOLE   110,261 0 0
INVESCO QQQ TR ETF 46090E103 781 2,488 SH   SOLE   2,488 0 0
ISHARES GOLD TRUST ETF 464285105 5,476 302,036 SH   SOLE   302,036 0 0
ISHARES INC ETF 46434G103 214 3,450 SH   SOLE   3,450 0 0
ISHARES TR ETF 464287200 11,929 31,777 SH   SOLE   31,777 0 0
ISHARES INC ETF 464286525 8,645 89,208 SH   SOLE   89,208 0 0
ISHARES INC ETF 46434G830 14 469 SH   SOLE   469 0 0
ISHARES TR ETF 464288257 181,188 1,997,220 SH   SOLE   1,997,220 0 0
ISHARES TR ETF 464288240 7,869 148,366 SH   SOLE   148,366 0 0
ISHARES TR ETF 464287465 7,383 101,198 SH   SOLE   101,198 0 0
ISHARES TR ETF 464287234 8,059 155,963 SH   SOLE   155,963 0 0
ISHARES TR ETF 464288687 4,263 110,704 SH   SOLE   110,704 0 0
ISHARES TR ETF 464287655 4,762 24,289 SH   SOLE   24,289 0 0
ISHARES TR ETF 464287614 75 309 SH   SOLE   309 0 0
ISHARES TR ETF 464287598 143 1,048 SH   SOLE   1,048 0 0
ISHARES TR ETF 464287507 26 114 SH   SOLE   114 0 0
ISHARES TR ETF 464287309 562 8,811 SH   SOLE   8,811 0 0
JPMORGAN CHASE & CO ETF 46625H365 26,224 1,887,968 SH   SOLE   1,887,968 0 0
FLEXSHARES TR ETF 33939L100 426 2,943 SH   SOLE   2,943 0 0
ISHARES TR ETF 464287804 123 1,333 SH   SOLE   1,333 0 0
SELECT SECTOR SPDR TR ETF 81369Y506 5,827 153,745 SH   SOLE   153,745 0 0
SPDR DOW JONES INDL AVERAGE ETF 78467X109 455 1,489 SH   SOLE   1,489 0 0
SPDR GOLD TR ETF 78463V107 27 150 SH   SOLE   150 0 0
SPDR S&P 500 ETF TR ETF 78462F103 111,024 296,952 SH   SOLE   296,952 0 0
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467y107 451 1,073 SH   SOLE   1,073 0 0
SPDR INDEX SHS FDS ETF 78463X376 1,065 16,675 SH   SOLE   16,675 0 0
SELECT SECTOR SPDR TR ETF 81369Y803 65 500 SH   SOLE   500 0 0
VANGUARD SPECIALIZED FUNDS ETF 921908844 519 3,678 SH   SOLE   3,678 0 0
VANGUARD WORLD FD ETF 921910725 264 4,462 SH   SOLE   4,462 0 0
VANGUARD WORLD FD ETF 921910733 441 6,291 SH   SOLE   6,291 0 0
VANGUARD TAX-MANAGED INTL FD ETF 921943858 5,947 125,966 SH   SOLE   125,966 0 0
VANGUARD INDEX FDS ETF 922908751 608 3,125 SH   SOLE   3,125 0 0
VANGUARD WORLD FDS ETF 92204A702 124 350 SH   SOLE   350 0 0
VANGUARD INTL EQUITY INDEX F ETF 922042775 40 680 SH   SOLE   680 0 0
VANGUARD INDEX FDS ETF 922908629 2 10 SH   SOLE   10 0 0
VANGUARD INDEX FDS ETF 922908553 1,332 15,681 SH   SOLE   15,681 0 0
VANGUARD INDEX FDS ETF 922908363 39,678 115,448 SH   SOLE   115,448 0 0
VANGUARD INDEX FDS ETF 922908611 2,468 17,352 SH   SOLE   17,352 0 0
VANGUARD STAR FDS ETF 921909768 260,623 4,332,159 SH   SOLE   4,332,159 0 0
VANGUARD INDEX FDS ETF 922908769 180,662 928,187 SH   SOLE   928,187 0 0
VANGUARD INTL EQUITY INDEX F ETF 922042742 86,925 938,922 SH   SOLE   938,922 0 0
VANGUARD INDEX FDS ETF 922908744 28,471 239,332 SH   SOLE   239,332 0 0
VANGUARD INTL EQUITY INDEX F ETF 922042718 37,363 306,656 SH   SOLE   306,656 0 0