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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABORATORIES Common Stock 002824100   189,585 1,668 SH   SOLE   1,668 0 0
ABBOTT LABORATORIES Common Stock 002824100   21,823 192 SH   OTR   192 0 0
ABBVIE INC Common Stock 00287Y109   596,560 3,276 SH   SOLE   3,276 0 0
ABBVIE INC Common Stock 00287Y109   27,315 150 SH   OTR   150 0 0
ACCENTURE PLC Int'l Common Stock G1151C101   182,317 526 SH   SOLE   526 0 0
ACCENTURE PLC Int'l Common Stock G1151C101   69,322 200 SH   OTR   200 0 0
ADOBE SYSTEMS, INC Common Stock 00724F101   453,635 899 SH   SOLE   899 0 0
ADOBE SYSTEMS, INC Common Stock 00724F101   7,064 14 SH   OTR   14 0 0
AIR PRODUCTS & CHEMS INC Common Stock 009158106   320,523 1,323 SH   SOLE   1,323 0 0
AIR PRODUCTS & CHEMS INC Common Stock 009158106   48,454 200 SH   OTR   200 0 0
ALPHABET INC. CLASS C Common Stock 02079K107   345,630 2,270 SH   SOLE   2,270 0 0
ALPHABET INC. CLASS C Common Stock 02079K107   16,292 107 SH   OTR   107 0 0
ALTRIA GROUP INC. Common Stock 02209S103   341,326 7,825 SH   SOLE   7,825 0 0
ALTRIA GROUP INC. Common Stock 02209S103   8,331 191 SH   OTR   191 0 0
AMAZON COM INC. Common Stock 023135106   429,304 2,380 SH   SOLE   2,380 0 0
AMAZON COM INC. Common Stock 023135106   48,522 269 SH   OTR   269 0 0
American Energy Partners INC Common Stock 02563X201   197,653 8,556,390 SH   SOLE   8,556,390 0 0
AMERICAN EXPRESS COMPANY Common Stock 025816109   208,564 916 SH   SOLE   916 0 0
AMERICAN EXPRESS COMPANY Common Stock 025816109   91,076 400 SH   OTR   400 0 0
AMGEN INC. COMMON Common Stock 031162100   265,839 935 SH   SOLE   935 0 0
APPLE INC. Common Stock 037833100   1,680,675 9,801 SH   SOLE   9,801 0 0
APPLE INC. Common Stock 037833100   45,614 266 SH   OTR   266 0 0
APPLIED MATERIALS INC. Common Stock 038222105   234,071 1,135 SH   SOLE   1,135 0 0
AT&T INC. Common Stock 00206R102   210,214 11,944 SH   SOLE   11,944 0 0
AT&T INC. Common Stock 00206R102   3,995 227 SH   OTR   227 0 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103   942,769 3,775 SH   SOLE   3,775 0 0
AVANTIS EMERGING MARKETS VALUE ETF International Equity ETF 025072372   3,246,926 68,515 SH   SOLE   68,515 0 0
AVANTIS EMERGING MARKETS VALUE ETF International Equity ETF 025072372   228,183 4,815 SH   OTR   4,815 0 0
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF International Equity ETF 025072802   1,773,478 26,928 SH   SOLE   26,928 0 0
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF International Equity ETF 025072802   54,532 828 SH   OTR   828 0 0
BLACKROCK INC. Common Stock 09247X101   215,928 259 SH   SOLE   259 0 0
BLACKROCK INC. Common Stock 09247X101   11,672 14 SH   OTR   14 0 0
BOEING CO. Common Stock 097023105   253,396 1,313 SH   SOLE   1,313 0 0
BP PRUDHOE BAY ROYALTY TRUST Common Stock 055630107   51,030 21,000 SH   SOLE   21,000 0 0
BROADCOM INC Common Stock 11135F101   1,118,646 844 SH   SOLE   844 0 0
CATERPILLAR INC. Common Stock 149123101   211,064 576 SH   SOLE   576 0 0
CHEVRON CORPORATION Common Stock 166764100   689,639 4,372 SH   SOLE   4,372 0 0
CHEVRON CORPORATION Common Stock 166764100   23,661 150 SH   OTR   150 0 0
CISCO SYSTEMS INC. Common Stock 17275R102   306,547 6,142 SH   SOLE   6,142 0 0
CISCO SYSTEMS INC. Common Stock 17275R102   8,984 180 SH   OTR   180 0 0
COLGATE-PALMOLIVE CO. Common Stock 194162103   346,152 3,844 SH   SOLE   3,844 0 0
COMCAST CORP CL A Common Stock 20030N101   250,520 5,779 SH   SOLE   5,779 0 0
COMMUNITY BANKING SYSTEM INC Common Stock 203607106   414,211 8,624 SH   SOLE   8,624 0 0
CONOCOPHILLIPS Common Stock 20825C104   337,547 2,652 SH   SOLE   2,652 0 0
CONOCOPHILLIPS Common Stock 20825C104   17,056 134 SH   OTR   134 0 0
CORNING INC. Common Stock 219350105   200,858 6,094 SH   SOLE   6,094 0 0
CVS CAREMARK CORPORATION Common Stock 126650100   243,108 3,048 SH   SOLE   3,048 0 0
CVS CAREMARK CORPORATION Common Stock 126650100   11,964 150 SH   OTR   150 0 0
DARKPULSE INC Common Stock 237245105   425 425,000 SH   SOLE   425,000 0 0
DUKE ENERGY CORP Common Stock 26441C204   485,678 5,022 SH   SOLE   5,022 0 0
DUKE ENERGY CORP Common Stock 26441C204   13,926 144 SH   OTR   144 0 0
EATON CORPORATION PLC Int'l Common Stock G29183103   227,006 726 SH   SOLE   726 0 0
EATON CORPORATION PLC Int'l Common Stock G29183103   20,324 65 SH   OTR   65 0 0
ECOLAB INC. COM Common Stock 278865100   311,022 1,347 SH   SOLE   1,347 0 0
ELI LILLY & CO Common Stock 532457108   268,396 345 SH   SOLE   345 0 0
EXXON MOBIL CORP COM Common Stock 30231G102   1,438,819 12,378 SH   SOLE   12,378 0 0
EXXON MOBIL CORP COM Common Stock 30231G102   20,342 175 SH   OTR   175 0 0
FIDELITY D & D BANCORP INC. Common Stock 31609R100   4,802,513 99,164 SH   SOLE   2,251 0 96,913
FIDELITY D & D BANCORP INC. Common Stock 31609R100   135,701 2,802 SH   OTR   0 0 2,802
FNCB BANKCORP INC. Common Stock 302578109   129,582 21,348 SH   SOLE   21,348 0 0
GARMIN LTD Common Stock H2906T109   222,412 1,494 SH   SOLE   1,494 0 0
GARMIN LTD Common Stock H2906T109   21,735 146 SH   OTR   146 0 0
GENERAL ELECTRIC CO. Common Stock 369604301   298,577 1,701 SH   SOLE   1,701 0 0
GENERAL ELECTRIC CO. Common Stock 369604301   7,548 43 SH   OTR   43 0 0
GOLDMAN SACHS GROUP INC Common Stock 38141G104   229,312 549 SH   SOLE   549 0 0
GOODYEAR TIRE & RUBBER CO Common Stock 382550101   425,630 31,000 SH   SOLE   31,000 0 0
HARBOR LONG TERM GROWER ETF Exchange Traded Fund 41151J406   383,735 16,350 SH   SOLE   16,350 0 0
HOME DEPOT INC. Common Stock 437076102   355,214 926 SH   SOLE   926 0 0
HOME DEPOT INC. Common Stock 437076102   25,318 66 SH   OTR   66 0 0
HONAT BANCORP INC Common Stock 438115107   1,988,539 17,069 SH   SOLE   17,069 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106   227,007 1,106 SH   SOLE   1,106 0 0
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101   7,635,536 39,985 SH   SOLE   39,985 0 0
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101   5,729 30 SH   OTR   30 0 0
INVESCO OPTIMUM YIELD DIVERS COMMODITY ETF Exchange Traded Fund 46090F100   2,689,227 193,888 SH   SOLE   193,888 0 0
INVESCO OPTIMUM YIELD DIVERS COMMODITY ETF Exchange Traded Fund 46090F100   20,805 1,500 SH   OTR   1,500 0 0
INVESCO S&P 500 PURE VALUE Exchange Traded Fund 46137V258   4,405,992 49,819 SH   SOLE   49,819 0 0
INVESCO S&P 500 PURE VALUE Exchange Traded Fund 46137V258   47,669 539 SH   OTR   539 0 0
INVESCO S&P 500 QUALITY ETF Exchange Traded Fund 46137V241   2,663,737 44,087 SH   SOLE   44,087 0 0
INVESCO S&P 500 QUALITY ETF Exchange Traded Fund 46137V241   58,184 963 SH   OTR   963 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF Fixed Income ETF 464287457   245,176 2,998 SH   SOLE   2,998 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF Fixed Income ETF 464287457   756,547 9,251 SH   OTR   9,251 0 0
ISHARES MSCI EAFE ETF International Equity ETF 464287465   508,788 6,371 SH   SOLE   6,371 0 0
ISHARES MSCI EAFE ETF International Equity ETF 464287465   149,578 1,873 SH   OTR   1,873 0 0
ISHARES NATIONAL MUNI BOND ETF Fixed Income ETF 464288414   801,190 7,446 SH   SOLE   7,446 0 0
ISHARES RUSSELL 1000 GROWTH ETF Exchange Traded Fund 464287614   3,341,177 9,913 SH   SOLE   9,913 0 0
ISHARES RUSSELL 1000 GROWTH ETF Exchange Traded Fund 464287614   43,479 129 SH   OTR   129 0 0
ISHARES RUSSELL 1000 VALUE ETF Exchange Traded Fund 464287598   7,420,169 41,428 SH   SOLE   41,428 0 0
ISHARES RUSSELL 1000 VALUE ETF Exchange Traded Fund 464287598   75,047 419 SH   OTR   419 0 0
ISHARES RUSSELL MID-CAP ETF Exchange Traded Fund 464287499   242,936 2,889 SH   SOLE   2,889 0 0
ISHARES US TREASURY BOND ETF Fixed Income ETF 46429B267   2,345,811 103,022 SH   SOLE   103,022 0 0
ISHARES US TREASURY BOND ETF Fixed Income ETF 46429B267   102,465 4,500 SH   OTR   4,500 0 0
JOHN HANCOCK MORTGAGE-BACKED ETF Fixed Income ETF 47804J792   2,807,116 130,100 SH   SOLE   130,100 0 0
JOHN HANCOCK MORTGAGE-BACKED ETF Fixed Income ETF 47804J792   129,460 6,000 SH   OTR   6,000 0 0
JOHNSON & JOHNSON Common Stock 478160104   574,862 3,634 SH   SOLE   3,634 0 0
JOHNSON & JOHNSON Common Stock 478160104   31,638 200 SH   OTR   200 0 0
JP MORGAN CHASE & CO Common Stock 46625H100   1,210,012 6,041 SH   SOLE   6,041 0 0
JP MORGAN CHASE & CO Common Stock 46625H100   49,875 249 SH   OTR   249 0 0
LINKBANCORP INC. Common Stock 53578P105   353,426 50,926 SH   SOLE   50,926 0 0
LOCKHEED MARTIN CORPORATION Common Stock 539830109   293,846 646 SH   SOLE   646 0 0
LOCKHEED MARTIN CORPORATION Common Stock 539830109   16,830 37 SH   OTR   37 0 0
LOWES COMPANIES INC Common Stock 548661107   501,563 1,969 SH   SOLE   1,969 0 0
MARATHON PETROLEUM CORP Common Stock 56585A102   219,434 1,089 SH   SOLE   1,089 0 0
MASTERCARD INC CLASS A Common Stock 57636Q104   314,947 654 SH   SOLE   654 0 0
MASTERCARD INC CLASS A Common Stock 57636Q104   13,484 28 SH   OTR   28 0 0
MCCORMICK & CO INC Common Stock 579780206   231,659 3,016 SH   SOLE   3,016 0 0
MCDONALDS CORP Common Stock 580135101   721,510 2,559 SH   SOLE   2,559 0 0
MERCK & CO. INC Common Stock 58933Y105   254,004 1,925 SH   SOLE   1,925 0 0
MICROSOFT CORP Common Stock 594918104   3,289,610 7,819 SH   SOLE   7,819 0 0
MICROSOFT CORP Common Stock 594918104   180,910 430 SH   OTR   430 0 0
MONARCH CASINO & RESORT INC Common Stock 609027107   224,970 3,000 SH   SOLE   3,000 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105   329,490 4,707 SH   SOLE   4,707 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105   10,500 150 SH   OTR   150 0 0
NEXTERA ENERGY INC Common Stock 65339F101   353,039 5,524 SH   SOLE   5,524 0 0
NEXTERA ENERGY INC Common Stock 65339F101   9,459 148 SH   OTR   148 0 0
NVIDIA CORP Common Stock 67066G104   254,804 282 SH   SOLE   282 0 0
PEOPLES FINANCIAL SVCS CORP Common Stock 711040105   358,330 8,312 SH   SOLE   8,312 0 0
PEPSICO INC Common Stock 713448108   435,950 2,491 SH   SOLE   2,491 0 0
PHILIP MORRIS INTL INC Common Stock 718172109   497,771 5,433 SH   SOLE   5,433 0 0
PHILIP MORRIS INTL INC Common Stock 718172109   8,887 97 SH   OTR   97 0 0
PNC FINANCIAL SERVICES GROUP INC. Common Stock 693475105   1,539,078 9,524 SH   SOLE   9,524 0 0
PNC FINANCIAL SERVICES GROUP INC. Common Stock 693475105   17,130 106 SH   OTR   106 0 0
PPL CORP. COM Common Stock 69351T106   751,809 27,309 SH   SOLE   27,309 0 0
PPL CORP. COM Common Stock 69351T106   4,983 181 SH   OTR   181 0 0
PROCTER & GAMBLE CO. Common Stock 742718109   920,931 5,676 SH   SOLE   5,676 0 0
PROCTER & GAMBLE CO. Common Stock 742718109   12,169 75 SH   OTR   75 0 0
PROGRESSIVE CORPORATION Common Stock 743315103   342,701 1,657 SH   SOLE   1,657 0 0
PROGRESSIVE CORPORATION Common Stock 743315103   47,155 228 SH   OTR   228 0 0
RTX CORPORATION Common Stock 75513E101   268,012 2,748 SH   SOLE   2,748 0 0
RTX CORPORATION Common Stock 75513E101   9,753 100 SH   OTR   100 0 0
SPDR DOW JONES INDL AVERAGE Exchange Traded Fund 78467X109   604,993 1,521 SH   SOLE   1,521 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF International Equity ETF 78463X889   9,766,651 272,507 SH   SOLE   272,507 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF International Equity ETF 78463X889   234,465 6,542 SH   OTR   6,542 0 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND Fixed Income ETF 78464A375   5,285,810 161,695 SH   SOLE   161,695 0 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND Fixed Income ETF 78464A375   228,830 7,000 SH   OTR   7,000 0 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103   334,765 640 SH   SOLE   640 0 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103   644,422 1,232 SH   OTR   1,232 0 0
SPDR S&P 500 GROWTH ETF Exchange Traded Fund 78464A409   1,116,488 15,263 SH   SOLE   15,263 0 0
TARGET CORP. Common Stock 87612E106   236,398 1,334 SH   SOLE   1,334 0 0
THE COCA COLA COMPANY Common Stock 191216100   287,057 4,692 SH   SOLE   4,692 0 0
THE COCA COLA COMPANY Common Stock 191216100   24,472 400 SH   OTR   400 0 0
THE WALT DISNEY COMPANY Common Stock 254687106   274,453 2,243 SH   SOLE   2,243 0 0
THE WALT DISNEY COMPANY Common Stock 254687106   36,708 300 SH   OTR   300 0 0
TRANE TECHNOLOGIES PLC Int'l Common Stock G8994E103   307,705 1,025 SH   SOLE   1,025 0 0
VANECK CEF MUNI INCOME ETF Exchange Traded Fund 92189F460   20,152,664 930,839 SH   SOLE   930,839 0 0
VANECK CEF MUNI INCOME ETF Exchange Traded Fund 92189F460   628,175 29,015 SH   OTR   29,015 0 0
VANECK ETF TRUST Fixed Income ETF 92189H300   1,274,643 52,005 SH   SOLE   52,005 0 0
VANECK ETF TRUST Fixed Income ETF 92189H300   51,471 2,100 SH   OTR   2,100 0 0
VANGUARD DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844   2,502,670 13,705 SH   SOLE   13,705 0 0
VANGUARD DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844   57,705 316 SH   OTR   316 0 0
VANGUARD FTSE DEVELOPED ETF International Equity ETF 921943858   917,308 18,284 SH   SOLE   18,284 0 0
VANGUARD FTSE EMERGING MARKETS ETF International Equity ETF 922042858   251,247 6,015 SH   SOLE   6,015 0 0
VANGUARD I VANGUARD REIT ETF Exchange Traded Fund 922908553   369,270 4,270 SH   SOLE   4,270 0 0
VANGUARD S&P SMALL-CAP 600 ETF Exchange Traded Fund 921932828   2,249,443 22,162 SH   SOLE   22,162 0 0
VANGUARD S&P SMALL-CAP 600 ETF Exchange Traded Fund 921932828   20,808 205 SH   OTR   205 0 0
VANGUARD S&P SMALL-CAP 600 VALUE ETF Exchange Traded Fund 921932778   2,176,812 24,619 SH   SOLE   24,619 0 0
VANGUARD S&P SMALL-CAP 600 VALUE ETF Exchange Traded Fund 921932778   20,248 229 SH   OTR   229 0 0
VANGUARD SMALL-CAP VALUE INDEX FUND Exchange Traded Fund 922908611   935,799 4,877 SH   SOLE   4,877 0 0
VANGUARD SMALL-CAP VALUE INDEX FUND Exchange Traded Fund 922908611   19,188 100 SH   OTR   100 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND Exchange Traded Fund 922908769   897,955 3,455 SH   SOLE   3,455 0 0
VANGUARD VALUE ETF Exchange Traded Fund 922908744   258,300 1,586 SH   SOLE   1,586 0 0
VANGUARD VALUE ETF Exchange Traded Fund 922908744   54,880 337 SH   OTR   337 0 0
VERIZON COMMUNICATIONS, INC. Common Stock 92343V104   316,546 7,544 SH   SOLE   7,544 0 0
VERIZON COMMUNICATIONS, INC. Common Stock 92343V104   1,720 41 SH   OTR   41 0 0
WAL MART STORES, INC. Common Stock 931142103   355,785 5,913 SH   SOLE   5,913 0 0