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 2,110 24,287 SH   SOLE   24,287 0 0
ABBVIE INC COM 00287Y109 1,711 19,330 SH   SOLE   19,330 0 0
ALPHABET INC CAP STK CL A 02079K305 1,374 1,026 SH   SOLE   1,026 0 0
ALTRIA GROUP INC COM 02209S103 410 8,222 SH   SOLE   8,222 0 0
AMAZON COM INC COM 023135106 950 514 SH   SOLE   514 0 0
APPLE INC COM 037833100 3,266 11,121 SH   SOLE   11,121 0 0
AQUA AMERICA INC COM 03836W103 795 16,942 SH   SOLE   16,942 0 0
AQUA METALS INC COM 03837J101 20 26,000 SH   SOLE   26,000 0 0
AT&T INC COM 00206R102 1,662 42,516 SH   SOLE   42,516 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,413 8,285 SH   SOLE   8,285 0 0
BAXTER INTL INC COM 071813109 305 3,643 SH   SOLE   3,643 0 0
BECTON DICKINSON & CO COM 075887109 201 739 SH   SOLE   739 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 708 11,035 SH   SOLE   11,035 0 0
THE CHARLES SCHWAB CORPORATI COM 808513105 323 6,795 SH   SOLE   6,795 0 0
CHEVRON CORP NEW COM 166764100 1,874 15,547 SH   SOLE   15,547 0 0
CINCINNATI FINL CORP COM 172062101 1,006 9,564 SH   SOLE   9,564 0 0
CISCO SYS INC COM 17275R102 1,287 26,831 SH   SOLE   26,831 0 0
CLOROX CO DEL COM 189054109 423 2,755 SH   SOLE   2,755 0 0
COCA COLA CO COM 191216100 236 4,257 SH   SOLE   4,257 0 0
COLGATE PALMOLIVE CO COM 194162103 631 9,171 SH   SOLE   9,171 0 0
CONOCOPHILLIPS COM 20825C104 260 3,996 SH   SOLE   3,996 0 0
DISNEY WALT CO COM DISNEY 254687106 2,193 15,166 SH   SOLE   15,166 0 0
DOMINION ENERGY INC COM 25746U109 395 4,774 SH   SOLE   4,774 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 652 7,144 SH   SOLE   7,144 0 0
DUPONT DE NEMOURS INC COM 26614N102 222 3,458 SH   SOLE   3,458 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 245 1,050 SH   SOLE   1,050 0 0
LILLY ELI & CO COM 532457108 802 6,102 SH   SOLE   6,102 0 0
EMERSON ELEC CO COM 291011104 1,078 14,136 SH   SOLE   14,136 0 0
EXXON MOBIL CORP COM 30231G102 1,326 19,000 SH   SOLE   19,000 0 0
FACEBOOK INC CL A 30303M102 269 1,312 SH   SOLE   1,312 0 0
GALLAGHER ARTHUR J & CO COM 363576109 343 3,600 SH   SOLE   3,600 0 0
GENERAL ELECTRIC CO COM 369604103 446 39,993 SH   SOLE   39,993 0 0
HOME DEPOT INC COM 437076102 1,386 6,346 SH   SOLE   6,346 0 0
HONEYWELL INTL INC COM 438516106 1,614 9,118 SH   SOLE   9,118 0 0
INTEL CORP COM 458140100 2,228 37,229 SH   SOLE   37,229 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 368 2,748 SH   SOLE   2,748 0 0
SMUCKER J M CO COM NEW 832696405 234 2,245 SH   SOLE   2,245 0 0
JOHNSON & JOHNSON COM 478160104 2,731 18,719 SH   SOLE   18,719 0 0
JPMORGAN CHASE & CO COM 46625H100 1,096 7,862 SH   SOLE   7,862 0 0
KIMBERLY CLARK CORP COM 494368103 1,248 9,070 SH   SOLE   8,270 0 800
KINSALE CAP GROUP INC COM 49714P108 226 2,225 SH   SOLE   2,225 0 0
MASTERCARD INC CL A 57636Q104 1,371 4,593 SH   SOLE   4,593 0 0
MERCK & CO INC COM 58933Y105 2,242 24,655 SH   SOLE   24,655 0 0
MICROSOFT CORP COM 594918104 2,375 15,063 SH   SOLE   15,063 0 0
MONDELEZ INTL INC CL A 609207105 691 12,545 SH   SOLE   12,545 0 0
NEXTERA ENERGY INC COM 65339F101 971 4,010 SH   SOLE   4,010 0 0
NIKE INC CL B 654106103 1,790 17,668 SH   SOLE   17,668 0 0
ORACLE CORP COM 68389X105 273 5,160 SH   SOLE   5,160 0 0
PAYPAL HLDGS INC COM 70450Y103 374 3,460 SH   SOLE   3,460 0 0
PENNS WOODS BANCORP INC COM 708430103 203 5,700 SH   SOLE   5,700 0 0
PEPSICO INC COM 713448108 2,414 17,660 SH   SOLE   17,660 0 0
PFIZER INC COM 717081103 831 21,206 SH   SOLE   20,000 0 1,206
PHILIP MORRIS INTL INC COM 718172109 556 6,531 SH   SOLE   6,531 0 0
PHILLIPS 66 COM 718546104 204 1,833 SH   SOLE   1,833 0 0
PROCTER & GAMBLE CO COM 742718109 4,550 36,428 SH   SOLE   35,328 0 1,100
RAYTHEON CO COM NEW 755111507 934 4,250 SH   SOLE   4,250 0 0
RPM INTL INC COM 749685103 2,212 28,818 SH   SOLE   26,318 0 2,500
SOUTHERN CO COM 842587107 970 15,230 SH   SOLE   15,230 0 0
STRYKER CORP COM 863667101 1,081 5,150 SH   SOLE   5,150 0 0
TESLA INC COM 88160R101 335 800 SH   SOLE   800 0 0
TEXAS INSTRS INC COM 882508104 536 4,175 SH   SOLE   4,175 0 0
UNION PACIFIC CORP COM 907818108 330 1,825 SH   SOLE   1,825 0 0
UNITED PARCEL SERVICE INC CL B 911312106 643 5,490 SH   SOLE   5,490 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2,097 14,004 SH   SOLE   14,004 0 0
US BANCORP DEL COM NEW 902973304 714 12,035 SH   SOLE   12,035 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,449 39,879 SH   SOLE   39,879 0 0
VISA INC COM CL A 92826C839 781 4,155 SH   SOLE   4,155 0 0
WASTE MGMT INC DEL COM 94106L109 1,520 13,337 SH   SOLE   13,337 0 0
3M CO COM 88579Y101 2,123 12,031 SH   SOLE   11,331 0 700
DIAGEO P L C SPON ADR NEW 25243Q205 547 3,250 SH   SOLE   3,250 0 0
NOVARTIS A G SPONSORED ADR 66987V109 655 6,915 SH   SOLE   6,915 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 209 3,540 SH   SOLE   3,540 0 0
UNILEVER N V N Y SHS NEW 904784709 266 4,635 SH   SOLE   4,635 0 0
AMERICAN TOWER CORP NEW COM 03027X100 225 980 SH   SOLE   0 0 980
MONMOUTH REAL ESTATE INVT CO CL A 609720107 323 22,300 SH   SOLE   0 0 22,300
WEYERHAEUSER CO COM 962166104 737 24,409 SH   SOLE   0 0 24,409
W P CAREY INC COM 92936U109 657 8,205 SH   SOLE   0 0 8,205
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 335 1,593 SH   SOLE   1,593 0 0
CHUBB LIMITED COM H1467J104 416 2,670 SH   SOLE   2,670 0 0
ENBRIDGE INC COM 29250N105 350 8,796 SH   SOLE   8,796 0 0
LINDE PLC SHS G5494J103 627 2,944 SH   SOLE   2,944 0 0
MEDTRONIC PLC SHS G5960L103 602 5,304 SH   SOLE   5,304 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 525 4,185 SH   SOLE   0 0 4,185
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 412 13,390 SH   SOLE   0 0 13,390
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 1,242 6,270 SH   SOLE   0 0 6,270
ISHARES TR RUS 1000 ETF 464287622 219 1,225 SH   SOLE   0 0 1,225
ISHARES TR S&P 100 ETF 464287101 216 1,498 SH   SOLE   0 0 1,498
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 827 10,751 SH   SOLE   0 0 10,751
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 230 3,975 SH   SOLE   0 0 3,975
SPDR SERIES TRUST SSGA GNDER ETF 78468R747 340 4,400 SH   SOLE   0 0 4,400
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 359 8,575 SH   SOLE   0 0 8,575
SPDR SERIES TRUST S&P BIOTECH 78464A870 394 4,140 SH   SOLE   0 0 4,140
SPDR S&P 500 ETF TR TR UNIT 78462F103 492 1,530 SH   SOLE   0 0 1,530
TORTOISE ENERGY INFRA CORP COM 89147L100 221 12,350 SH   SOLE   0 0 12,350
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 304 5,650 SH   SOLE   0 0 5,650
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 395 4,215 SH   SOLE   0 0 4,215
VANGUARD INDEX FDS MID CAP ETF 922908629 397 2,230 SH   SOLE   0 0 2,230
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,757 10,610 SH   SOLE   0 0 10,610
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,088 12,759 SH   SOLE   0 0 12,759
ISHARES TR INTRM GOV CR ETF 464288612 332 2,950 SH   SOLE   0 0 2,950
ISHARES TR INTRM TR CRP ETF 464288638 536 9,250 SH   SOLE   0 0 9,250
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 251 2,750 SH   SOLE   0 0 2,750
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,008 12,500 SH   SOLE   0 0 12,500