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 275 1,952 SH   SOLE   1,952 0 0
ABBVIE INC COM 00287Y109 275 2,031 SH   SOLE   2,031 0 0
ALPHABET INC CAP STK CL C 02079K107 1,455 503 SH   SOLE   503 0 0
ALPHABET INC CAP STK CL A 02079K305 1,336 461 SH   SOLE   449 0 12
ALTRIA GROUP INC COM 02209S103 926 19,539 SH   SOLE   17,321 0 2,218
AMAZON COM INC COM 023135106 4,038 1,211 SH   SOLE   1,049 0 162
AMAZON COM INC COM 023135106 203 61 SH   OTR   53 0 8
AMERISERV FINL INC COM 03074A102 2,333 604,405 SH   SOLE   30,067 0 574,338
AMGEN INC COM 031162100 1,085 4,822 SH   SOLE   4,822 0 0
ANSYS INC COM 03662Q105 301 750 SH   SOLE   0 0 750
APPLE INC COM 037833100 6,498 36,594 SH   SOLE   30,906 0 5,688
APPLE INC COM 037833100 365 2,057 SH   OTR   1,909 0 148
BP PLC SPONSORED ADR 055622104 705 26,457 SH   SOLE   0 0 26,457
BK OF AMERICA CORP COM 060505104 253 5,678 SH   SOLE   40 0 5,638
BECTON DICKINSON & CO COM 075887109 302 1,202 SH   SOLE   1,202 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 312 1,045 SH   SOLE   1,045 0 0
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 1,625 62,078 SH   SOLE   62,078 0 0
BLACKROCK MUNIYIELD FD INC COM 09253W104 329 22,375 SH   SOLE   0 0 22,375
BOOKING HOLDINGS INC COM 09857L108 446 186 SH   SOLE   186 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 701 11,245 SH   SOLE   10,757 0 488
CVS HEALTH CORP COM 126650100 347 3,366 SH   SOLE   1,715 0 1,651
CHEVRON CORP NEW COM 166764100 212 1,803 SH   SOLE   379 0 1,424
CISCO SYS INC COM 17275R102 578 9,114 SH   SOLE   7,014 0 2,100
CITIGROUP INC COM NEW 172967424 233 3,855 SH   SOLE   831 0 3,024
DANAHER CORPORATION COM 235851102 1,808 5,496 SH   SOLE   5,496 0 0
DISNEY WALT CO COM 254687106 764 4,932 SH   SOLE   4,178 0 754
DUKE ENERGY CORP NEW COM NEW 26441C204 1,025 9,775 SH   SOLE   9,701 0 74
EXELON CORP COM 30161N101 1,091 18,897 SH   SOLE   18,897 0 0
EXXON MOBIL CORP COM 30231G102 358 5,853 SH   SOLE   2,064 0 3,789
F N B CORP COM 302520101 405 33,398 SH   SOLE   12,012 0 21,386
META PLATFORMS INC CL A 30303M102 389 1,156 SH   SOLE   1,106 0 50
FREEPORT-MCMORAN INC CL B 35671D857 731 17,527 SH   SOLE   17,334 0 193
GABELLI EQUITY TR INC COM 362397101 230 31,931 SH   SOLE   31,931 0 0
GENERAL MLS INC COM 370334104 346 5,142 SH   SOLE   5,142 0 0
HOME DEPOT INC COM 437076102 1,130 2,724 SH   SOLE   2,680 0 44
ISHARES TR CORE S&P500 ETF 464287200 334 700 SH   SOLE   700 0 0
ISHARES TR CORE S&P500 ETF 464287200 352 737 SH   OTR   737 0 0
ISHARES TR IBOXX HI YD ETF 464288513 326 3,745 SH   SOLE   3,745 0 0
ISHARES TR PFD AND INCM SEC 464288687 413 10,470 SH   SOLE   0 0 10,470
JPMORGAN CHASE & CO COM 46625H100 499 3,154 SH   SOLE   1,213 0 1,941
JOHNSON & JOHNSON COM 478160104 1,100 6,433 SH   SOLE   6,346 0 87
KROGER CO COM 501044101 549 12,140 SH   SOLE   9,140 0 3,000
LILLY ELI & CO COM 532457108 1,411 5,109 SH   SOLE   2,278 0 2,831
LIVE OAK BANCSHARES INC COM 53803X105 9,807 112,344 SH   SOLE   0 0 112,344
MASTERCARD INCORPORATED CL A 57636Q104 216 600 SH   SOLE   410 0 190
MCDONALDS CORP COM 580135101 657 2,451 SH   SOLE   2,251 0 200
MICROSOFT CORP COM 594918104 3,122 9,282 SH   SOLE   9,041 0 241
MICROSOFT CORP COM 594918104 213 634 SH   OTR   634 0 0
NIKE INC CL B 654106103 1,504 9,023 SH   SOLE   9,023 0 0
NUCOR CORP COM 670346105 1,991 17,443 SH   SOLE   17,395 0 48
NUVEEN QUALITY MUNCP INCOME COM 67066V101 250 15,504 SH   SOLE   0 0 15,504
NUVEEN PENNSYLVANIA QLT MUN COM 670972108 522 35,006 SH   SOLE   35,006 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,676 8,357 SH   SOLE   8,175 0 182
PAYPAL HLDGS INC COM 70450Y103 1,015 5,383 SH   SOLE   5,383 0 0
PEPSICO INC COM 713448108 743 4,278 SH   SOLE   4,278 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107 32,372 221,164 SH   SOLE   220,196 0 968
PROSHARES TR PSHS ULT S&P 500 74347R107 530 3,621 SH   OTR   3,621 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 14,407 161,837 SH   SOLE   161,141 0 696
PROSHARES TR PSHS ULTRA QQQ 74347R206 266 2,992 SH   OTR   2,992 0 0
PRUDENTIAL FINL INC COM 744320102 1,397 12,906 SH   SOLE   12,820 0 86
SPDR S&P 500 ETF TR TR UNIT 78462F103 895 1,884 SH   SOLE   1,354 0 530
SPDR S&P 500 ETF TR TR UNIT 78462F103 444 934 SH   OTR   934 0 0
UNITED PARCEL SERVICE INC CL B 911312106 268 1,250 SH   SOLE   250 0 1,000
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 27,597 63,214 SH   SOLE   62,960 0 254
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 441 1,010 SH   OTR   1,010 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 817 15,722 SH   SOLE   15,374 0 348
VISA INC COM CL A 92826C839 3,060 14,120 SH   SOLE   13,769 0 351
VISA INC COM CL A 92826C839 303 1,396 SH   OTR   1,330 0 66
WALMART INC COM 931142103 878 6,065 SH   SOLE   4,065 0 2,000
QUOTIENT LTD SHS G73268107 96 37,000 SH   SOLE   2,000 0 35,000
SPOTIFY TECHNOLOGY S A SHS L8681T102 257 1,100 SH   SOLE   100 0 1,000
ROYAL CARIBBEAN GROUP COM V7780T103 1,579 20,538 SH   SOLE   20,481 0 57