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
ABBVIE INC COM 00287Y109 302 1,975 SH   SOLE   1,975 0 0
ALTRIA GROUP INC COM 02209S103 709 16,970 SH   SOLE   14,752 0 2,218
AMAZON COM INC COM 023135106 457 4,300 SH   SOLE   260 0 4,040
AMERISERV FINL INC COM 03074A102 2,400 609,258 SH   SOLE   0 0 609,258
APPLE INC COM 037833100 1,749 12,795 SH   SOLE   7,241 0 5,554
APPLE INC COM 037833100 265 1,939 SH   OTR   1,791 0 148
BP PLC SPONSORED ADR 055622104 793 27,957 SH   SOLE   0 0 27,957
BK OF AMERICA CORP COM 060505104 200 6,430 SH   SOLE   40 0 6,390
BECTON DICKINSON & CO COM 075887109 296 1,202 SH   SOLE   1,202 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,577 5,776 SH   SOLE   5,776 0 0
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 303 15,840 SH   SOLE   15,840 0 0
BLACKROCK MUNIYIELD FD INC COM 09253W104 249 22,375 SH   SOLE   0 0 22,375
BRISTOL-MYERS SQUIBB CO COM 110122108 845 10,976 SH   SOLE   10,488 0 488
CHEVRON CORP NEW COM 166764100 261 1,803 SH   SOLE   379 0 1,424
CONSTELLATION ENERGY CORP COM 21037T109 338 5,899 SH   SOLE   5,899 0 0
DANAHER CORPORATION COM 235851102 1,386 5,466 SH   SOLE   5,466 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,139 10,628 SH   SOLE   10,554 0 74
EXELON CORP COM 30161N101 827 18,253 SH   SOLE   18,253 0 0
EXXON MOBIL CORP COM 30231G102 673 7,857 SH   SOLE   2,064 0 5,793
F N B CORP COM 302520101 346 31,864 SH   SOLE   12,012 0 19,852
GENERAL MLS INC COM 370334104 379 5,022 SH   SOLE   5,022 0 0
HOME DEPOT INC COM 437076102 702 2,561 SH   SOLE   2,517 0 44
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,109 23,165 SH   SOLE   23,165 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 298 2,218 SH   OTR   2,218 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 1,027 23,270 SH   SOLE   23,270 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 251 5,694 SH   OTR   5,694 0 0
ISHARES TR CORE S&P500 ETF 464287200 339 895 SH   SOLE   895 0 0
ISHARES TR CORE S&P500 ETF 464287200 279 737 SH   OTR   737 0 0
ISHARES TR PFD AND INCM SEC 464288687 344 10,470 SH   SOLE   0 0 10,470
JPMORGAN CHASE & CO COM 46625H100 326 2,894 SH   SOLE   1,153 0 1,741
JOHNSON & JOHNSON COM 478160104 1,039 5,856 SH   SOLE   5,769 0 87
KROGER CO COM 501044101 570 12,040 SH   SOLE   9,040 0 3,000
LILLY ELI & CO COM 532457108 1,600 4,936 SH   SOLE   2,210 0 2,726
LIVE OAK BANCSHARES INC COM 53803X105 3,807 112,344 SH   SOLE   0 0 112,344
MCDONALDS CORP COM 580135101 619 2,506 SH   SOLE   2,306 0 200
MICROSOFT CORP COM 594918104 719 2,798 SH   SOLE   2,651 0 147
NIKE INC CL B 654106103 255 2,498 SH   SOLE   2,498 0 0
NUCOR CORP COM 670346105 389 3,722 SH   SOLE   3,722 0 0
NVIDIA CORPORATION COM 67066G104 298 1,964 SH   SOLE   464 0 1,500
NUVEEN QUALITY MUNCP INCOME COM 67066V101 193 15,504 SH   SOLE   0 0 15,504
NUVEEN PENNSYLVANIA QLT MUN COM 670972108 406 33,281 SH   SOLE   33,281 0 0
OCCIDENTAL PETE CORP COM 674599105 383 6,500 SH   SOLE   0 0 6,500
PNC FINL SVCS GROUP INC COM 693475105 244 1,549 SH   SOLE   1,412 0 137
PEPSICO INC COM 713448108 701 4,208 SH   SOLE   4,208 0 0
PRUDENTIAL FINL INC COM 744320102 272 2,847 SH   SOLE   2,847 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 634 1,680 SH   SOLE   1,150 0 530
SPDR S&P 500 ETF TR TR UNIT 78462F103 352 934 SH   OTR   934 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,515 8,993 SH   SOLE   8,908 0 85
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,850 8,215 SH   SOLE   8,215 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,709 12,957 SH   SOLE   12,957 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 270 2,048 SH   OTR   2,048 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 318 6,274 SH   SOLE   5,926 0 348
VISA INC COM CL A 92826C839 619 3,143 SH   SOLE   2,883 0 260
VISA INC COM CL A 92826C839 270 1,371 SH   OTR   1,305 0 66
WALMART INC COM 931142103 256 2,108 SH   SOLE   108 0 2,000
QUOTIENT LTD SHS G73268107 9 37,000 SH   SOLE   0 0 37,000