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
ABBVIE INC COM 00287Y109   117,282 660 SH   OTR 1 236 0 424
ABBVIE INC COM 00287Y109   217,149 1,222 SH   SOLE   1,222 0 0
ALPHABET INC CAP STK CL C 02079K107   197,676 1,038 SH   OTR 1 1,038 0 0
ALPHABET INC CAP STK CL A 02079K305   162,987 861 SH   OTR 1 861 0 0
ALPHABET INC CAP STK CL C 02079K107   106,265 558 SH   SOLE   558 0 0
ALPHABET INC CAP STK CL A 02079K305   443,340 2,342 SH   SOLE   2,342 0 0
ALTRIA GROUP INC COM 02209S103   4,183 80 SH   OTR 1 80 0 0
ALTRIA GROUP INC COM 02209S103   511,971 9,791 SH   SOLE   8,357 0 1,434
AMAZON COM INC COM 023135106   146,333 667 SH   OTR 1 622 0 45
AMAZON COM INC COM 023135106   471,907 2,151 SH   SOLE   2,045 0 106
AMERISERV FINL INC COM 03074A102   2,148,906 801,830 SH   SOLE   0 0 801,830
APPLE INC COM 037833100   393,660 1,572 SH   OTR 1 1,493 0 79
APPLE INC COM 037833100   2,850,781 11,384 SH   SOLE   6,208 0 5,176
BANK AMERICA CORP COM 060505104   15,909 362 SH   OTR 1 362 0 0
BANK AMERICA CORP COM 060505104   199,225 4,533 SH   SOLE   0 0 4,533
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   229,359 506 SH   SOLE   506 0 0
BLACKROCK MUNIYIELD FD INC COM 09253W104   232,476 22,375 SH   SOLE   0 0 22,375
BOEING CO COM 097023105   81,951 463 SH   OTR 1 43 0 420
BOEING CO COM 097023105   508,344 2,872 SH   SOLE   2,868 0 4
BROADCOM INC COM 11135F101   214,452 925 SH   SOLE   925 0 0
CHEVRON CORP NEW COM 166764100   14,484 100 SH   OTR 1 0 0 100
CHEVRON CORP NEW COM 166764100   198,865 1,373 SH   SOLE   1,149 0 224
CISCO SYS INC COM 17275R102   24,449 413 SH   OTR 1 213 0 200
CISCO SYS INC COM 17275R102   502,667 8,491 SH   SOLE   8,391 0 100
COSTCO WHSL CORP NEW COM 22160K105   61,390 67 SH   OTR 1 67 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,184,737 1,293 SH   SOLE   1,293 0 0
DANAHER CORPORATION COM 235851102   23,184 101 SH   OTR 1 101 0 0
DANAHER CORPORATION COM 235851102   292,217 1,273 SH   SOLE   1,273 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   10,127 94 SH   OTR 1 94 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   322,896 2,997 SH   SOLE   2,997 0 0
ELI LILLY & CO COM 532457108   56,356 73 SH   OTR 1 73 0 0
ELI LILLY & CO COM 532457108   2,399,376 3,108 SH   SOLE   2,923 0 185
EXELON CORP COM 30161N101   412,496 10,959 SH   SOLE   10,959 0 0
EXXON MOBIL CORP COM 30231G102   89,175 829 SH   OTR 1 0 0 829
EXXON MOBIL CORP COM 30231G102   246,227 2,289 SH   SOLE   2,064 0 225
F N B CORP COM 302520101   1,611 109 SH   OTR 1 109 0 0
F N B CORP COM 302520101   461,431 31,220 SH   SOLE   14,494 0 16,726
HOME DEPOT INC COM 437076102   72,352 186 SH   OTR 1 186 0 0
HOME DEPOT INC COM 437076102   296,799 763 SH   SOLE   763 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   57,415 110 SH   OTR 1 110 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   279,770 536 SH   SOLE   536 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   26,956 558 SH   OTR 1 558 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   3,862,239 79,947 SH   SOLE   79,947 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   9,812 56 SH   OTR 1 56 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,455,109 8,304 SH   SOLE   8,304 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   3,578 7 SH   OTR 1 7 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   434,545 850 SH   SOLE   850 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   4,342 84 SH   OTR 1 84 0 0
ISHARES TR CORE DIVID ETF 46435U861   24,695 521 SH   OTR 1 521 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   106,317 1,150 SH   OTR 1 1,150 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   4,481 87 SH   OTR 1 87 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   81,809 708 SH   OTR 1 708 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   3,314 15 SH   OTR 1 15 0 0
ISHARES TR CORE S&P500 ETF 464287200   272,558 463 SH   OTR 1 463 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   2,546,345 49,434 SH   SOLE   49,434 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   4,677,609 90,476 SH   SOLE   90,476 0 0
ISHARES TR IBOXX HI YD ETF 464288513   411,260 5,229 SH   SOLE   5,229 0 0
ISHARES TR CORE S&P500 ETF 464287200   412,076 700 SH   SOLE   700 0 0
ISHARES TR CORE DIVID ETF 46435U861   2,906,662 61,322 SH   SOLE   61,322 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,012,659 4,583 SH   SOLE   4,583 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   19,512,812 168,869 SH   SOLE   168,869 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   21,308,523 230,487 SH   SOLE   230,487 0 0
JPMORGAN CHASE & CO. COM 46625H100   140,949 588 SH   OTR 1 588 0 0
JPMORGAN CHASE & CO. COM 46625H100   352,613 1,471 SH   SOLE   1,463 0 8
LIVE OAK BANCSHARES INC COM 53803X105   4,443,205 112,344 SH   SOLE   0 0 112,344
MCDONALDS CORP COM 580135101   122,623 423 SH   OTR 1 0 0 423
MCDONALDS CORP COM 580135101   271,337 936 SH   SOLE   786 0 150
META PLATFORMS INC CL A 30303M102   114,759 196 SH   OTR 1 196 0 0
META PLATFORMS INC CL A 30303M102   259,966 444 SH   SOLE   394 0 50
MICROSOFT CORP COM 594918104   257,958 612 SH   OTR 1 612 0 0
MICROSOFT CORP COM 594918104   1,176,828 2,792 SH   SOLE   2,787 0 5
NETFLIX INC COM 64110L106   309,288 347 SH   SOLE   347 0 0
NUCOR CORP COM 670346105   292,241 2,504 SH   SOLE   2,504 0 0
NUVEEN PENNSYLVANIA QLT MUN COM 670972108   372,081 33,281 SH   SOLE   33,281 0 0
NUVEEN QUALITY MUNCP INCOME COM 67066V101   180,776 15,504 SH   SOLE   0 0 15,504
NVIDIA CORPORATION COM 67066G104   222,115 1,654 SH   OTR 1 1,654 0 0
NVIDIA CORPORATION COM 67066G104   5,790,584 43,120 SH   SOLE   43,120 0 0
PEPSICO INC COM 713448108   65,537 431 SH   OTR 1 221 0 210
PEPSICO INC COM 713448108   427,592 2,812 SH   SOLE   2,812 0 0
PNC FINL SVCS GROUP INC COM 693475105   95,075 493 SH   OTR 1 493 0 0
PNC FINL SVCS GROUP INC COM 693475105   456,475 2,367 SH   SOLE   2,262 0 105
PROCTER AND GAMBLE CO COM 742718109   52,977 316 SH   OTR 1 316 0 0
PROCTER AND GAMBLE CO COM 742718109   177,709 1,060 SH   SOLE   960 0 100
PROSHARES TR PSHS ULT S&P 500 74347R107   115,822 1,252 SH   OTR 1 1,252 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206   118,955 1,099 SH   OTR 1 1,099 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107   1,168,123 12,627 SH   SOLE   12,627 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206   1,186,093 10,958 SH   SOLE   10,958 0 0
PRUDENTIAL FINL INC COM 744320102   17,068 144 SH   OTR 1 144 0 0
PRUDENTIAL FINL INC COM 744320102   284,827 2,403 SH   SOLE   2,403 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   24,674 326 SH   OTR 1 326 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   52,176 396 SH   OTR 1 396 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   97,481 2,017 SH   OTR 1 2,017 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   4,297,224 56,774 SH   SOLE   56,774 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   724,370 14,988 SH   SOLE   14,988 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   540,874 4,105 SH   SOLE   4,105 0 0
SHERWIN WILLIAMS CO COM 824348106   41,811 123 SH   OTR 1 123 0 0
SHERWIN WILLIAMS CO COM 824348106   361,345 1,063 SH   SOLE   1,063 0 0
SOUTHERN CO COM 842587107   6,585 80 SH   OTR 1 80 0 0
SOUTHERN CO COM 842587107   216,583 2,631 SH   SOLE   2,631 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   498,168 850 SH   OTR 1 850 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,432,965 2,445 SH   SOLE   1,923 0 522
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   183,396 501 SH   OTR 1 501 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   4,835,286 13,209 SH   SOLE   13,209 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   858,324 1,593 SH   OTR 1 1,593 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   51,204,730 95,033 SH   SOLE   95,033 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   45,845 788 SH   OTR 1 788 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   135,828 2,454 SH   OTR 1 2,454 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   15,274,219 275,957 SH   SOLE   275,957 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   7,414,342 127,438 SH   SOLE   127,438 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   147,366 237 SH   OTR 1 237 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   1,276,555 2,053 SH   SOLE   2,053 0 0
VISA INC COM CL A 92826C839   407,691 1,290 SH   OTR 1 1,260 0 30
VISA INC COM CL A 92826C839   527,786 1,670 SH   SOLE   1,670 0 0
WALMART INC COM 931142103   58,908 652 SH   OTR 1 652 0 0
WALMART INC COM 931142103   837,544 9,270 SH   SOLE   9,270 0 0