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 556,664 2,128 SH SOLE 1,981 0 147
ABBVIE INC Common Stock 00287Y109 39,239 150 SH OTR 0 150 0
AIR PRODUCTS & CHEMS INC Common Stock 009158106 270,440 972 SH SOLE 972 0 0
AIR PRODUCTS & CHEMS INC Common Stock 009158106 55,646 200 SH OTR 0 200 0
Alpha Architect US Equity 2 ETF Exchange Traded Fund 02072Q358 1,800,620 32,817 SH SOLE 23,219 0 9,598
ALPHABET INC. CLASS A Common Stock 02079K305 308,640 897 SH SOLE 897 0 0
ALPHABET INC. CLASS C Common Stock 02079K107 36,459 107 SH OTR 0 107 0
ALPHABET INC. CLASS C Common Stock 02079K107 742,132 2,178 SH SOLE 1,786 0 392
ALTRIA GROUP INC. Common Stock 02209S103 12,862 191 SH OTR 0 0 191
ALTRIA GROUP INC. Common Stock 02209S103 352,323 5,232 SH SOLE 5,232 0 0
AMAZON COM INC. Common Stock 023135106 67,021 269 SH OTR 0 269 0
AMAZON COM INC. Common Stock 023135106 1,132,387 4,545 SH SOLE 4,108 0 437
American Energy Partners INC Common Stock 02563X201 0 35,000 SH SOLE 35,000 0 0
AMERICAN EXPRESS COMPANY Common Stock 025816109 285,246 938 SH SOLE 764 0 174
AMERICAN EXPRESS COMPANY Common Stock 025816109 109,476 360 SH OTR 0 360 0
AMGEN INC. COMMON Common Stock 031162100 314,868 747 SH SOLE 747 0 0
APPLE INC. Common Stock 037833100 88,583 266 SH OTR 0 266 0
APPLE INC. Common Stock 037833100 2,573,246 7,727 SH SOLE 7,119 0 608
APPLIED MATERIALS INC. Common Stock 038222105 279,725 547 SH SOLE 394 0 153
AUTOMATIC DATA PROCESSING INC Common Stock 053015103 688,762 2,669 SH SOLE 2,669 0 0
AVANTIS EMERGING MARKETS VALUE ETF International Equity ETF 025072372 204,769 3,144 SH OTR 0 1,793 1,351
AVANTIS EMERGING MARKETS VALUE ETF International Equity ETF 025072372 14,418,154 221,375 SH SOLE 219,212 0 2,163
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF International Equity ETF 025072802 253,324 2,316 SH OTR 0 1,509 807
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF International Equity ETF 025072802 11,424,741 104,450 SH SOLE 103,496 0 954
Avantis US Large Cap Value ETF Exchange Traded Fund 025072349 23,044,202 254,801 SH SOLE 252,999 0 1,802
Avantis US Large Cap Value ETF Exchange Traded Fund 025072349 214,524 2,372 SH OTR 0 1,016 1,356
AVANTIS US SMALL CAP VALUE ETF Exchange Traded Fund 025072877 8,455,886 71,800 SH SOLE 71,305 0 495
AVANTIS US SMALL CAP VALUE ETF Exchange Traded Fund 025072877 77,375 657 SH OTR 0 283 374
BANK OF AMERICA CORPORATION Common Stock 060505104 242,105 4,448 SH SOLE 4,448 0 0
BLACKROCK INC Common Stock 09290D101 14,816 14 SH OTR 0 0 14
BLACKROCK INC Common Stock 09290D101 305,846 289 SH SOLE 247 0 42
BROADCOM INC Common Stock 11135F101 515,898 1,469 SH SOLE 1,469 0 0
BURKE HERBERT FINL SVCS CORP Common Stock 12135Y108 305,544 4,454 SH SOLE 4,454 0 0
CATERPILLAR INC. Common Stock 149123101 307,289 379 SH SOLE 248 0 131
CHEVRON CORPORATION Common Stock 166764100 30,632 150 SH OTR 0 150 0
CHEVRON CORPORATION Common Stock 166764100 698,602 3,421 SH SOLE 3,421 0 0
CISCO SYSTEMS INC. Common Stock 17275R102 19,373 180 SH OTR 0 0 180
CISCO SYSTEMS INC. Common Stock 17275R102 270,044 2,509 SH SOLE 2,509 0 0
COLGATE-PALMOLIVE CO. Common Stock 194162103 262,530 3,077 SH SOLE 3,077 0 0
CONOCOPHILLIPS Common Stock 20825C104 10,387 83 SH OTR 0 0 83
CONOCOPHILLIPS Common Stock 20825C104 252,302 2,016 SH SOLE 2,016 0 0
CORNING INC. Common Stock 219350105 238,328 1,550 SH SOLE 1,550 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105 229,406 252 SH SOLE 193 0 59
EATON CORPORATION PLC Int'l Common Stock G29183103 27,931 65 SH OTR 0 0 65
EATON CORPORATION PLC Int'l Common Stock G29183103 344,198 801 SH SOLE 702 0 99
ELI LILLY & CO Common Stock 532457108 491,759 425 SH SOLE 425 0 0
EMERSON ELECTRIC CO. Common Stock 291011104 18,767 121 SH OTR 0 0 121
EMERSON ELECTRIC CO. Common Stock 291011104 228,152 1,471 SH SOLE 1,471 0 0
ENERGY TRANSFER EQUITY LP Common Stock 29273V100 1,477,748 74,747 SH SOLE 74,747 0 0
EXXONMOBIL HOLDINGS CORP Common Stock 30233Q108 28,481 175 SH OTR 0 175 0
EXXONMOBIL HOLDINGS CORP Common Stock 30233Q108 2,198,915 13,511 SH SOLE 13,409 102 0
FIDELITY D & D BANCORP INC. Common Stock 31609R100 5,157,169 94,958 SH SOLE 15,904 0 79,054
FORD MOTOR COMPANY Common Stock 345370860 140,161 11,622 SH SOLE 11,622 0 0
GARMIN LTD Common Stock H2906T109 41,879 146 SH OTR 0 0 146
GARMIN LTD Common Stock H2906T109 438,865 1,530 SH SOLE 1,390 0 140
GE VERNOVA INC Common Stock 36828A101 253,781 267 SH SOLE 267 0 0
GE VERNOVA INC Common Stock 36828A101 9,505 10 SH OTR 0 0 10
GENERAL ELECTRIC CO. Common Stock 369604301 347,266 1,112 SH SOLE 1,112 0 0
GENERAL ELECTRIC CO. Common Stock 369604301 13,428 43 SH OTR 0 0 43
GMO INTERNATIONAL VALUE ETF International Equity ETF 90139K407 17,651,427 445,181 SH SOLE 440,539 0 4,642
GMO INTERNATIONAL VALUE ETF International Equity ETF 90139K407 520,327 13,123 SH OTR 0 12,178 945
GOLDMAN SACHS GROUP INC Common Stock 38141G104 523,109 581 SH SOLE 581 0 0
GOODYEAR TIRE & RUBBER CO Common Stock 382550101 156,555 31,500 SH SOLE 31,500 0 0
HARBOR LONG TERM GROWER ETF Exchange Traded Fund 41151J406 280,484 8,175 SH SOLE 8,175 0 0
HOME DEPOT INC. Common Stock 437076102 18,776 66 SH OTR 0 29 37
HOME DEPOT INC. Common Stock 437076102 266,283 936 SH SOLE 796 0 140
HONAT BANCORP INC Common Stock 438115107 2,305,296 15,709 SH SOLE 15,709 0 0
INTEL CORP COM Common Stock 458140100 258,374 2,149 SH SOLE 2,149 0 0
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101 6,598 30 SH OTR 0 0 30
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101 8,773,448 39,892 SH SOLE 39,892 0 0
INVESCO S&P 500 PURE VALUE Exchange Traded Fund 46137V258 23,875,772 208,104 SH SOLE 207,032 0 1,072
INVESCO S&P 500 PURE VALUE Exchange Traded Fund 46137V258 441,711 3,850 SH OTR 0 3,076 774
INVESCO S&P 500 QUALITY ETF Exchange Traded Fund 46137V241 8,647,208 102,845 SH SOLE 101,694 0 1,151
INVESCO S&P 500 QUALITY ETF Exchange Traded Fund 46137V241 79,960 951 SH OTR 0 951 0
ISHARES 1-3 YEAR TREASURY BOND ETF Fixed Income ETF 464287457 5,343,447 65,806 SH SOLE 65,264 28 514
ISHARES 1-3 YEAR TREASURY BOND ETF Fixed Income ETF 464287457 868,840 10,700 SH OTR 0 1,449 9,251
ISHARES 10-20 TREASURY ETF Fixed Income ETF 464288653 4,921,417 53,395 SH SOLE 52,973 0 422
ISHARES 10-20 TREASURY ETF Fixed Income ETF 464288653 106,917 1,160 SH OTR 0 1,160 0
ISHARES CORE S&P 500 ETF Exchange Traded Fund 464287200 327,784 428 SH SOLE 428 0 0
ISHARES CORE S&P TOTAL US STOCK MRKT ETF Exchange Traded Fund 464287150 240,607 1,447 SH SOLE 1,447 0 0
ISHARES MSCI EAFE ETF International Equity ETF 464287465 194,586 1,873 SH OTR 0 1,873 0
ISHARES MSCI EAFE ETF International Equity ETF 464287465 504,594 4,857 SH SOLE 4,772 85 0
ISHARES MSCI EAFE VALUE ETF International Equity ETF 464288877 251,349 3,176 SH SOLE 3,176 0 0
ISHARES NATIONAL MUNI BOND ETF Fixed Income ETF 464288414 808,800 8,000 SH SOLE 0 0 8,000
ISHARES RUSSELL 1000 GROWTH ETF Exchange Traded Fund 464287614 13,472,214 107,554 SH SOLE 106,120 0 1,434
ISHARES RUSSELL 1000 GROWTH ETF Exchange Traded Fund 464287614 69,770 557 SH OTR 0 444 113
ISHARES RUSSELL 1000 VALUE ETF Exchange Traded Fund 464287598 646,601 2,608 SH SOLE 2,608 0 0
ISHARES RUSSELL MID-CAP ETF Exchange Traded Fund 464287499 264,214 2,476 SH SOLE 2,476 0 0
ISHARES SELECT DIVIDEND ETF Exchange Traded Fund 464287168 241,639 1,589 SH SOLE 1,589 0 0
Janus Henderson Small Cap Growth Alpha ETF Exchange Traded Fund 47103U100 43,480 506 SH OTR 0 216 290
Janus Henderson Small Cap Growth Alpha ETF Exchange Traded Fund 47103U100 4,867,145 56,642 SH SOLE 56,265 0 377
JOHN HANCOCK MORTGAGE-BACKED ETF Fixed Income ETF 47804J792 9,578,452 460,724 SH SOLE 457,029 0 3,695
JOHN HANCOCK MORTGAGE-BACKED ETF Fixed Income ETF 47804J792 210,894 10,144 SH OTR 0 10,144 0
JOHNSON & JOHNSON Common Stock 478160104 52,948 200 SH OTR 0 200 0
JOHNSON & JOHNSON Common Stock 478160104 668,998 2,527 SH SOLE 2,527 0 0
JOHNSON CONTROLS INTL PLC Int'l Common Stock G51502105 294,773 1,983 SH SOLE 1,983 0 0
JP MORGAN CHASE & CO Common Stock 46625H100 76,753 232 SH OTR 0 83 149
JP MORGAN CHASE & CO Common Stock 46625H100 1,698,150 5,133 SH SOLE 4,630 0 503
JP MORGAN INTERNATIONAL GROWTH ETF International Equity ETF 46641Q324 7,371,550 87,945 SH SOLE 86,808 0 1,137
JP MORGAN INTERNATIONAL GROWTH ETF International Equity ETF 46641Q324 348,272 4,155 SH OTR 0 4,155 0
JPMORGAN US QUALITY FACTOR ETF Exchange Traded Fund 46641Q761 218,079 2,955 SH SOLE 2,955 0 0
LOCKHEED MARTIN CORPORATION Common Stock 539830109 366,660 720 SH SOLE 610 0 110
LOCKHEED MARTIN CORPORATION Common Stock 539830109 18,842 37 SH OTR 0 0 37
LOWES COMPANIES INC Common Stock 548661107 208,985 1,134 SH SOLE 1,134 0 0
MARATHON PETROLEUM CORP Common Stock 56585A102 548,448 1,387 SH SOLE 989 0 398
MASTERCARD INC CLASS A Common Stock 57636Q104 301,103 546 SH SOLE 517 0 29
MCDONALDS CORP Common Stock 580135101 580,121 2,512 SH SOLE 2,512 0 0
MERCK & CO. INC Common Stock 58933Y105 533,142 3,669 SH SOLE 3,669 0 0
META PLATFORMS INC Common Stock 30303M102 368,391 508 SH SOLE 471 0 37
MICROSOFT CORP Common Stock 594918104 3,924,711 7,652 SH SOLE 7,470 0 182
MICROSOFT CORP Common Stock 594918104 220,547 430 SH OTR 0 309 121
MONARCH CASINO & RESORT INC Common Stock 609027107 345,000 3,000 SH SOLE 3,000 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105 8,673 150 SH OTR 150 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105 222,318 3,845 SH SOLE 3,845 0 0
NEXTERA ENERGY INC Common Stock 65339F101 11,210 148 SH OTR 0 0 148
NEXTERA ENERGY INC Common Stock 65339F101 395,893 5,227 SH SOLE 4,587 0 640
NVIDIA CORP Common Stock 67066G104 485,764 2,127 SH SOLE 2,127 0 0
PEOPLES FINANCIAL SVCS CORP Common Stock 711040105 284,192 4,219 SH SOLE 4,219 0 0
PHILIP MORRIS INTL INC Common Stock 718172109 560,629 2,938 SH SOLE 2,938 0 0
PHILIP MORRIS INTL INC Common Stock 718172109 18,510 97 SH OTR 0 0 97
PIMCO COMMODITIES ACTIVE STRATEGY ETF Exchange Traded Fund 72201R593 133,164 3,842 SH OTR 0 1,526 2,316
PIMCO COMMODITIES ACTIVE STRATEGY ETF Exchange Traded Fund 72201R593 11,320,615 326,619 SH SOLE 323,886 0 2,733
PNC FINANCIAL SERVICES GROUP INC. Common Stock 693475105 1,704,956 7,671 SH SOLE 7,671 0 0
PNC FINANCIAL SERVICES GROUP INC. Common Stock 693475105 23,560 106 SH OTR 0 0 106
PPL CORP. COM Common Stock 69351T106 797,113 24,236 SH SOLE 24,191 45 0
PROCTER & GAMBLE CO. Common Stock 742718109 702,574 4,836 SH SOLE 4,836 0 0
PROCTER & GAMBLE CO. Common Stock 742718109 10,896 75 SH OTR 0 75 0
PROGRESSIVE CORPORATION Common Stock 743315103 47,267 228 SH OTR 0 228 0
PROGRESSIVE CORPORATION Common Stock 743315103 398,035 1,920 SH SOLE 1,279 0 641
PROSHARES S&P 500 DV ARISTOCRATS ETF Exchange Traded Fund 74348A467 702,326 12,982 SH SOLE 12,982 0 0
QUANTA SERVICES INC Common Stock 74762E102 222,308 346 SH SOLE 346 0 0
RTX CORPORATION Common Stock 75513E101 18,565 100 SH OTR 0 100 0
RTX CORPORATION Common Stock 75513E101 385,224 2,075 SH SOLE 2,075 0 0
SEAGATE TECHNOLOGY HOLDING Int'l Common Stock G7997R103 50,729 55 SH OTR 0 0 55
SEAGATE TECHNOLOGY HOLDING Int'l Common Stock G7997R103 298,838 324 SH SOLE 324 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF Exchange Traded Fund 78467X109 465,832 916 SH SOLE 916 0 0
SPDR INTERMEDIATE TERM CORPORATE BOND Fixed Income ETF 78464A375 7,441,379 230,526 SH SOLE 228,489 0 2,037
SPDR INTERMEDIATE TERM CORPORATE BOND Fixed Income ETF 78464A375 148,294 4,594 SH OTR 0 4,594 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF International Equity ETF 78463X889 379,387 7,556 SH OTR 0 4,769 2,787
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF International Equity ETF 78463X889 26,665,477 531,079 SH SOLE 527,621 0 3,458
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103 434,699 570 SH SOLE 570 0 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103 939,560 1,232 SH OTR 0 1,232 0
SPDR S&P 500 GROWTH ETF Exchange Traded Fund 78464A409 1,878,570 15,263 SH SOLE 15,263 0 0
SPDR S&P 600 Small Cap ETF Exchange Traded Fund 78468R853 361,985 6,848 SH SOLE 6,848 0 0
TEXAS INSTRUMENTS INC Common Stock 882508104 260,764 931 SH SOLE 931 0 0
THE COCA COLA COMPANY Common Stock 191216100 34,432 400 SH OTR 0 400 0
THE COCA COLA COMPANY Common Stock 191216100 348,796 4,052 SH SOLE 4,052 0 0
VALERO ENERGY CORPORATION Common Stock 91913Y100 26,357 68 SH OTR 0 0 68
VALERO ENERGY CORPORATION Common Stock 91913Y100 198,844 513 SH SOLE 513 0 0
VANECK CEF MUNI INCOME ETF Fixed Income ETF 92189F460 61,869 3,219 SH OTR 0 3,219 0
VANECK CEF MUNI INCOME ETF Fixed Income ETF 92189F460 1,862,629 96,911 SH SOLE 94,911 0 2,000
VANECK ETF TRUST Fixed Income ETF 92189H300 3,339,635 134,500 SH SOLE 133,453 0 1,047
VANECK ETF TRUST Fixed Income ETF 92189H300 81,169 3,269 SH OTR 0 3,269 0
VANGUARD DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844 227,944 977 SH OTR 0 977 0
VANGUARD DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844 12,037,863 51,596 SH SOLE 51,159 0 437
VANGUARD FTSE DEVELOPED ETF International Equity ETF 921943858 1,626,431 23,034 SH SOLE 23,034 0 0
VANGUARD FTSE EMERGING MARKETS ETF International Equity ETF 922042858 404,198 6,815 SH SOLE 6,815 0 0
VANGUARD GROWTH ETF Exchange Traded Fund 922908736 601,304 6,673 SH SOLE 6,673 0 0
VANGUARD S&P SMALL-CAP 600 ETF Exchange Traded Fund 921932828 57,440 454 SH OTR 0 192 262
VANGUARD S&P SMALL-CAP 600 ETF Exchange Traded Fund 921932828 6,199,860 49,003 SH SOLE 48,660 0 343
VANGUARD S&P SMALL-CAP 600 VALUE ETF Exchange Traded Fund 921932778 250,470 2,277 SH SOLE 2,277 0 0
VANGUARD SMALL-CAP VALUE INDEX FUND Exchange Traded Fund 922908611 23,103 100 SH OTR 0 100 0
VANGUARD SMALL-CAP VALUE INDEX FUND Exchange Traded Fund 922908611 490,477 2,123 SH SOLE 2,123 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND Exchange Traded Fund 922908769 1,088,290 2,908 SH SOLE 2,908 0 0
VANGUARD VALUE ETF Exchange Traded Fund 922908744 72,814 337 SH OTR 0 337 0
VANGUARD VALUE ETF Exchange Traded Fund 922908744 427,627 1,979 SH SOLE 1,979 0 0
VERIZON COMMUNICATIONS, INC. Common Stock 92343V104 220,405 4,805 SH SOLE 4,805 0 0
VISA INC CLASS A SHARES Common Stock 92826C839 29,824 83 SH OTR 0 83 0
VISA INC CLASS A SHARES Common Stock 92826C839 234,642 653 SH SOLE 524 0 129
WAL MART STORES, INC. Common Stock 931142103 518,769 4,992 SH SOLE 4,992 0 0
WISDOMTREE US QUALITY DIV GROWTH FD Exchange Traded Fund 97717X669 715,881 7,362 SH SOLE 7,362 0 0