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
Expires: July 31, 2015
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
ABBVIE INC Common Stock 00287Y109 27,843 150 SH OTR 0 150 0
ABBVIE INC Common Stock 00287Y109 381,635 2,056 SH SOLE 1,844 0 212
ADOBE SYSTEMS, INC Common Stock 00724F101 5,416 14 SH OTR 0 14 0
ADOBE SYSTEMS, INC Common Stock 00724F101 200,404 518 SH SOLE 518 0 0
AIR PRODUCTS & CHEMS INC Common Stock 009158106 270,496 959 SH SOLE 959 0 0
AIR PRODUCTS & CHEMS INC Common Stock 009158106 56,412 200 SH OTR 0 200 0
ALPHABET INC. CLASS C Common Stock 02079K107 473,631 2,670 SH SOLE 2,170 0 500
ALPHABET INC. CLASS C Common Stock 02079K107 18,981 107 SH OTR 0 107 0
ALTRIA GROUP INC. Common Stock 02209S103 11,198 191 SH OTR 0 0 191
ALTRIA GROUP INC. Common Stock 02209S103 354,653 6,049 SH SOLE 6,049 0 0
AMAZON COM INC. Common Stock 023135106 59,016 269 SH OTR 0 269 0
AMAZON COM INC. Common Stock 023135106 1,117,573 5,094 SH SOLE 4,594 0 500
American Energy Partners INC Common Stock 02563X201 18 35,000 SH SOLE 35,000 0 0
AMERICAN EXPRESS COMPANY Common Stock 025816109 127,592 400 SH OTR 0 400 0
AMERICAN EXPRESS COMPANY Common Stock 025816109 370,017 1,160 SH SOLE 916 0 244
AMGEN INC. COMMON Common Stock 031162100 216,946 777 SH SOLE 777 0 0
APPLE INC. Common Stock 037833100 54,575 266 SH OTR 0 266 0
APPLE INC. Common Stock 037833100 1,661,877 8,100 SH SOLE 7,300 0 800
AT&T INC. Common Stock 00206R102 6,569 227 SH OTR 0 0 227
AT&T INC. Common Stock 00206R102 266,769 9,218 SH SOLE 9,038 180 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 894,668 2,901 SH SOLE 2,901 0 0
AVANTIS EMERGING MARKETS VALUE ETF International Equity ETF 025072372 6,208,019 115,940 SH SOLE 114,657 0 1,283
AVANTIS EMERGING MARKETS VALUE ETF International Equity ETF 025072372 178,091 3,326 SH OTR 0 1,889 1,437
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF International Equity ETF 025072802 3,103,178 39,142 SH SOLE 38,729 0 413
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF International Equity ETF 025072802 60,411 762 SH OTR 0 293 469
Avantis US Large Cap Value ETF Exchange Traded Fund 025072349 389,684 5,713 SH OTR 0 1,051 4,662
Avantis US Large Cap Value ETF Exchange Traded Fund 025072349 10,659,859 156,280 SH SOLE 155,012 0 1,268
AVANTIS US SMALL CAP VALUE ETF Exchange Traded Fund 025072877 3,381,268 37,116 SH SOLE 36,851 0 265
AVANTIS US SMALL CAP VALUE ETF Exchange Traded Fund 025072877 21,864 240 SH OTR 0 240 0
BANK OF AMERICA CORPORATION Common Stock 060505104 209,344 4,424 SH SOLE 4,424 0 0
BLACKROCK INC Common Stock 09290D101 14,690 14 SH OTR 0 0 14
BLACKROCK INC Common Stock 09290D101 308,480 294 SH SOLE 243 0 51
BOEING CO. Common Stock 097023105 217,492 1,038 SH SOLE 1,038 0 0
BP PRUDHOE BAY ROYALTY TRUST Common Stock 055630107 10,542 21,000 SH SOLE 21,000 0 0
BROADCOM INC Common Stock 11135F101 2,070,132 7,510 SH SOLE 7,510 0 0
CHEVRON CORPORATION Common Stock 166764100 21,479 150 SH OTR 0 150 0
CHEVRON CORPORATION Common Stock 166764100 533,812 3,728 SH SOLE 3,728 0 0
CISCO SYSTEMS INC. Common Stock 17275R102 190,517 2,746 SH SOLE 2,746 0 0
CISCO SYSTEMS INC. Common Stock 17275R102 12,488 180 SH OTR 0 0 180
COLGATE-PALMOLIVE CO. Common Stock 194162103 319,423 3,514 SH SOLE 3,514 0 0
CONOCOPHILLIPS Common Stock 20825C104 214,568 2,391 SH SOLE 2,391 0 0
CONOCOPHILLIPS Common Stock 20825C104 7,448 83 SH OTR 0 0 83
COSTCO WHOLESALE CORP Common Stock 22160K105 330,640 334 SH SOLE 259 0 75
DARKPULSE INC Common Stock 237245105 128 425,000 SH SOLE 425,000 0 0
EATON CORPORATION PLC Int'l Common Stock G29183103 23,204 65 SH OTR 0 0 65
EATON CORPORATION PLC Int'l Common Stock G29183103 304,512 853 SH SOLE 726 0 127
ELI LILLY & CO Common Stock 532457108 250,229 321 SH SOLE 321 0 0
EMERSON ELECTRIC CO. Common Stock 291011104 16,133 121 SH OTR 0 0 121
EMERSON ELECTRIC CO. Common Stock 291011104 194,795 1,461 SH SOLE 1,461 0 0
ENERGY TRANSFER EQUITY LP Common Stock 29273V100 1,327,569 73,225 SH SOLE 73,225 0 0
EXXON MOBIL CORP COM Common Stock 30231G102 1,493,353 13,853 SH SOLE 13,748 105 0
EXXON MOBIL CORP COM Common Stock 30231G102 18,865 175 SH OTR 0 175 0
FIDELITY D & D BANCORP INC. Common Stock 31609R100 128,892 2,802 SH OTR 0 0 2,802
FIDELITY D & D BANCORP INC. Common Stock 31609R100 5,102,642 110,927 SH SOLE 20,408 0 90,519
GARMIN LTD Common Stock H2906T109 357,120 1,711 SH SOLE 1,494 0 217
GARMIN LTD Common Stock H2906T109 30,473 146 SH OTR 0 0 146
GENERAL ELECTRIC CO. Common Stock 369604301 11,068 43 SH OTR 0 0 43
GENERAL ELECTRIC CO. Common Stock 369604301 341,299 1,326 SH SOLE 1,326 0 0
GOLDMAN SACHS GROUP INC Common Stock 38141G104 391,386 553 SH SOLE 553 0 0
GOODYEAR TIRE & RUBBER CO Common Stock 382550101 331,840 32,000 SH SOLE 32,000 0 0
HARBOR LONG TERM GROWER ETF Exchange Traded Fund 41151J406 238,097 8,175 SH SOLE 8,175 0 0
HOME DEPOT INC. Common Stock 437076102 24,198 66 SH OTR 0 29 37
HOME DEPOT INC. Common Stock 437076102 372,506 1,016 SH SOLE 821 0 195
HONAT BANCORP INC Common Stock 438115107 1,806,692 15,709 SH SOLE 15,709 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106 257,565 1,106 SH SOLE 1,106 0 0
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101 11,759,364 39,892 SH SOLE 39,892 0 0
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101 8,843 30 SH OTR 0 0 30
INVESCO S&P 500 PURE VALUE Exchange Traded Fund 46137V258 7,602,623 81,086 SH SOLE 80,413 0 673
INVESCO S&P 500 PURE VALUE Exchange Traded Fund 46137V258 49,880 532 SH OTR 0 532 0
INVESCO S&P 500 QUALITY ETF Exchange Traded Fund 46137V241 73,398 1,030 SH OTR 0 1,030 0
INVESCO S&P 500 QUALITY ETF Exchange Traded Fund 46137V241 5,304,666 74,441 SH SOLE 72,538 0 1,903
ISHARES 1-3 YEAR TREASURY BOND ETF Fixed Income ETF 464287457 3,121,419 37,671 SH SOLE 37,393 30 248
ISHARES 1-3 YEAR TREASURY BOND ETF Fixed Income ETF 464287457 860,998 10,391 SH OTR 0 1,140 9,251
ISHARES 10-20 TREASURY ETF Fixed Income ETF 464288653 3,018,638 29,711 SH SOLE 29,502 0 209
ISHARES 10-20 TREASURY ETF Fixed Income ETF 464288653 94,082 926 SH OTR 0 926 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 219,799 354 SH SOLE 354 0 0
ISHARES CORE U.S. AGG BOND ETF. Fixed Income ETF 464287226 258,019 2,601 SH SOLE 2,561 40 0
ISHARES MSCI EAFE ETF International Equity ETF 464287465 167,427 1,873 SH OTR 0 1,873 0
ISHARES MSCI EAFE ETF International Equity ETF 464287465 585,773 6,553 SH SOLE 4,663 85 1,805
ISHARES MSCI EAFE VALUE ETF International Equity ETF 464288877 89,189 1,405 SH OTR 0 0 1,405
ISHARES MSCI EAFE VALUE ETF International Equity ETF 464288877 201,612 3,176 SH SOLE 3,176 0 0
ISHARES NATIONAL MUNI BOND ETF Fixed Income ETF 464288414 835,840 8,000 SH SOLE 0 0 8,000
ISHARES RUSSELL 1000 GROWTH ETF Exchange Traded Fund 464287614 6,783,939 15,978 SH SOLE 15,374 0 604
ISHARES RUSSELL 1000 GROWTH ETF Exchange Traded Fund 464287614 54,346 128 SH OTR 0 128 0
ISHARES RUSSELL 1000 VALUE ETF Exchange Traded Fund 464287598 604,638 3,113 SH SOLE 3,113 0 0
ISHARES RUSSELL MID-CAP ETF Exchange Traded Fund 464287499 227,718 2,476 SH SOLE 2,476 0 0
ISHARES SELECT DIVIDEND ETF Exchange Traded Fund 464287168 214,355 1,614 SH SOLE 1,614 0 0
Janus Henderson Small Cap Growth Alpha ETF Exchange Traded Fund 47103U100 1,680,045 24,908 SH SOLE 24,731 0 177
Janus Henderson Small Cap Growth Alpha ETF Exchange Traded Fund 47103U100 10,725 159 SH OTR 0 159 0
JOHN HANCOCK MORTGAGE-BACKED ETF Fixed Income ETF 47804J792 6,009,719 274,823 SH SOLE 272,979 0 1,844
JOHN HANCOCK MORTGAGE-BACKED ETF Fixed Income ETF 47804J792 183,010 8,369 SH OTR 0 8,369 0
JOHNSON & JOHNSON Common Stock 478160104 400,358 2,621 SH SOLE 2,621 0 0
JOHNSON & JOHNSON Common Stock 478160104 30,550 200 SH OTR 0 200 0
JOHNSON CONTROLS INTERNATI Int'l Common Stock G51502105 209,444 1,983 SH SOLE 1,983 0 0
JP MORGAN CHASE & CO Common Stock 46625H100 67,259 232 SH OTR 0 83 149
JP MORGAN CHASE & CO Common Stock 46625H100 1,608,421 5,548 SH SOLE 4,948 0 600
KYNDRYL HOLDINGS INC. Common Stock 50155Q100 283,230 6,750 SH SOLE 6,750 0 0
KYNDRYL HOLDINGS INC. Common Stock 50155Q100 462 11 SH OTR 5 0 6
LINKBANCORP INC. Common Stock 53578P105 294,045 40,225 SH SOLE 40,225 0 0
LOCKHEED MARTIN CORPORATION Common Stock 539830109 355,692 768 SH SOLE 643 0 125
LOCKHEED MARTIN CORPORATION Common Stock 539830109 17,136 37 SH OTR 0 0 37
LOWES COMPANIES INC Common Stock 548661107 288,875 1,302 SH SOLE 1,302 0 0
MARATHON PETROLEUM CORP Common Stock 56585A102 283,550 1,707 SH SOLE 1,259 0 448
MASTERCARD INC CLASS A Common Stock 57636Q104 370,318 659 SH SOLE 603 0 56
MCCORMICK & CO INC Common Stock 579780206 220,485 2,908 SH SOLE 2,908 0 0
MCDONALDS CORP Common Stock 580135101 638,099 2,184 SH SOLE 2,184 0 0
MERCK & CO. INC Common Stock 58933Y105 339,517 4,289 SH SOLE 4,289 0 0
META PLATFORMS INC Common Stock 30303M102 329,188 446 SH SOLE 384 0 62
MICROSOFT CORP Common Stock 594918104 213,886 430 SH OTR 0 309 121
MICROSOFT CORP Common Stock 594918104 3,956,399 7,954 SH SOLE 7,674 0 280
MONARCH CASINO & RESORT INC Common Stock 609027107 259,320 3,000 SH SOLE 3,000 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105 307,729 4,563 SH SOLE 4,563 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105 10,116 150 SH OTR 150 0 0
NBT BANCORP INC Common Stock 628778102 205,174 4,938 SH SOLE 4,938 0 0
NEXTERA ENERGY INC Common Stock 65339F101 10,274 148 SH OTR 0 0 148
NEXTERA ENERGY INC Common Stock 65339F101 427,350 6,156 SH SOLE 5,356 0 800
NISSAN MOTOR CO LTD Int'l Common Stock 654744408 48,489 10,000 SH SOLE 10,000 0 0
NVIDIA CORP Common Stock 67066G104 365,905 2,316 SH SOLE 2,316 0 0
PEOPLES FINANCIAL SVCS CORP Common Stock 711040105 213,328 4,321 SH SOLE 4,321 0 0
PHILIP MORRIS INTL INC Common Stock 718172109 646,926 3,552 SH SOLE 3,552 0 0
PHILIP MORRIS INTL INC Common Stock 718172109 17,667 97 SH OTR 0 0 97
PIMCO COMMODITIES ACTIVE STRATEGY ETF Exchange Traded Fund 72201R593 4,186,759 162,089 SH SOLE 160,122 0 1,967
PIMCO COMMODITIES ACTIVE STRATEGY ETF Exchange Traded Fund 72201R593 123,545 4,783 SH OTR 0 1,457 3,326
PNC FINANCIAL SERVICES GROUP INC. Common Stock 693475105 19,761 106 SH OTR 0 0 106
PNC FINANCIAL SERVICES GROUP INC. Common Stock 693475105 1,540,202 8,262 SH SOLE 8,262 0 0
PPL CORP. COM Common Stock 69351T106 838,666 24,747 SH SOLE 24,702 45 0
PPL CORP. COM Common Stock 69351T106 6,134 181 SH OTR 0 0 181
PROCTER & GAMBLE CO. Common Stock 742718109 11,949 75 SH OTR 0 75 0
PROCTER & GAMBLE CO. Common Stock 742718109 797,556 5,006 SH SOLE 5,006 0 0
PROGRESSIVE CORPORATION Common Stock 743315103 60,844 228 SH OTR 0 228 0
PROGRESSIVE CORPORATION Common Stock 743315103 593,230 2,223 SH SOLE 1,523 0 700
RTX CORPORATION Common Stock 75513E101 297,005 2,034 SH SOLE 2,034 0 0
RTX CORPORATION Common Stock 75513E101 14,602 100 SH OTR 0 100 0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF Exchange Traded Fund 78467X109 630,570 1,431 SH SOLE 1,431 0 0
SPDR INTERMEDIATE TERM CORPORATE BOND Fixed Income ETF 78464A375 6,643,769 197,849 SH SOLE 196,652 0 1,197
SPDR INTERMEDIATE TERM CORPORATE BOND Fixed Income ETF 78464A375 184,589 5,497 SH OTR 0 5,497 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF International Equity ETF 78463X889 218,160 5,388 SH OTR 0 5,388 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF International Equity ETF 78463X889 15,266,755 377,050 SH SOLE 373,702 0 3,348
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103 517,140 837 SH SOLE 837 0 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103 761,191 1,232 SH OTR 0 1,232 0
SPDR S&P 500 GROWTH ETF Exchange Traded Fund 78464A409 1,454,869 15,263 SH SOLE 15,263 0 0
SPDR S&P 600 Small Cap ETF Exchange Traded Fund 78468R853 277,667 6,518 SH SOLE 6,518 0 0
TEXAS INSTRUMENTS INC Common Stock 882508104 242,293 1,167 SH SOLE 1,167 0 0
THE COCA COLA COMPANY Common Stock 191216100 28,300 400 SH OTR 0 400 0
THE COCA COLA COMPANY Common Stock 191216100 318,375 4,500 SH SOLE 4,500 0 0
VANECK CEF MUNI INCOME ETF Fixed Income ETF 92189F460 1,611,843 76,791 SH SOLE 76,791 0 0
VANECK CEF MUNI INCOME ETF Fixed Income ETF 92189F460 67,336 3,208 SH OTR 0 3,208 0
VANECK JPM EM LC BOND Fixed Income ETF 92189H300 78,027 3,078 SH OTR 0 3,078 0
VANECK JPM EM LC BOND Fixed Income ETF 92189H300 2,272,526 89,646 SH SOLE 89,090 0 556
VANGUARD DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844 71,430 349 SH OTR 0 349 0
VANGUARD DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844 5,050,642 24,677 SH SOLE 24,099 0 578
VANGUARD FTSE DEVELOPED ETF International Equity ETF 921943858 1,357,123 23,805 SH SOLE 23,805 0 0
VANGUARD FTSE EMERGING MARKETS ETF International Equity ETF 922042858 337,070 6,815 SH SOLE 6,815 0 0
VANGUARD GROWTH ETF Exchange Traded Fund 922908736 482,678 1,101 SH SOLE 1,101 0 0
VANGUARD S&P SMALL-CAP 600 ETF Exchange Traded Fund 921932828 3,034,977 29,981 SH SOLE 29,757 0 224
VANGUARD S&P SMALL-CAP 600 ETF Exchange Traded Fund 921932828 20,550 203 SH OTR 0 203 0
VANGUARD S&P SMALL-CAP 600 VALUE ETF Exchange Traded Fund 921932778 201,860 2,359 SH SOLE 2,359 0 0
VANGUARD SMALL-CAP VALUE INDEX FUND Exchange Traded Fund 922908611 414,006 2,123 SH SOLE 2,123 0 0
VANGUARD SMALL-CAP VALUE INDEX FUND Exchange Traded Fund 922908611 19,501 100 SH OTR 0 100 0
VANGUARD TOTAL STOCK MARKET INDEX FUND Exchange Traded Fund 922908769 1,018,773 3,352 SH SOLE 3,352 0 0
VANGUARD VALUE ETF Exchange Traded Fund 922908744 59,557 337 SH OTR 0 337 0
VANGUARD VALUE ETF Exchange Traded Fund 922908744 297,457 1,683 SH SOLE 1,683 0 0
VERIZON COMMUNICATIONS, INC. Common Stock 92343V104 1,774 41 SH OTR 0 0 41
VERIZON COMMUNICATIONS, INC. Common Stock 92343V104 251,182 5,805 SH SOLE 5,805 0 0
VISA INC CLASS A SHARES Common Stock 92826C839 29,469 83 SH OTR 0 83 0
VISA INC CLASS A SHARES Common Stock 92826C839 252,086 710 SH SOLE 536 0 174
WAL MART STORES, INC. Common Stock 931142103 507,772 5,193 SH SOLE 5,193 0 0
WEC ENERGY GROUP INC. Common Stock 92939U106 13,546 130 SH OTR 0 0 130
WEC ENERGY GROUP INC. Common Stock 92939U106 203,398 1,952 SH SOLE 1,952 0 0