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
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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
3M Company COM 88579Y101 1,087 5,641 SH   SOLE 0 4,541 0 1,100
Adobe Inc COM 00724F101 446 939 SH   SOLE 0 939 0 0
Alphabet Inc. Class A COM 02079K305 912 442 SH   SOLE 0 417 0 25
Alphabet Inc. Class C COM 02079K107 885 428 SH   SOLE 0 403 0 25
Altria Group Inc COM 02209S103 1,393 27,222 SH   SOLE 0 25,622 0 1,600
Amazon.Com COM 023135106 300 97 SH   SOLE 0 97 0 0
American Water Works Co COM 030420103 202 1,350 SH   SOLE 0 1,350 0 0
Apple Inc. COM 037833100 1,214 9,934 SH   SOLE 0 9,934 0 0
AT&T Corp. COM 00206r102 910 30,065 SH   SOLE 0 27,665 0 2,400
Becton Dickinson COM 075887109 689 2,832 SH   SOLE 0 2,832 0 0
Berkshire Hathaway Inc., Class A COM 084670108 386 1 SH   SOLE 0 1 0 0
Berkshire Hathaway Inc., Class B COM 084670702 1,052 4,116 SH   SOLE 0 4,116 0 0
Boeing Co COM 097023105 614 2,410 SH   SOLE 0 2,410 0 0
Bristol Myers Squibb Co COM 110122108 504 7,975 SH   SOLE 0 7,375 0 600
Chevron Corporation COM 166764100 490 4,675 SH   SOLE 0 4,675 0 0
Church & Dwight Co Inc COM 171340102 882 10,100 SH   SOLE 0 10,100 0 0
Clorox COM 189054109 282 1,460 SH   SOLE 0 1,460 0 0
ConocoPhillips COM 20825c104 380 7,165 SH   SOLE 0 7,165 0 0
Corning Inc COM 219350105 448 10,300 SH   SOLE 0 10,300 0 0
Deere & Co COM 244199105 1,826 4,880 SH   SOLE 0 4,640 0 240
Discover Financial Services COM 254709108 276 2,905 SH   SOLE 0 2,905 0 0
Eaton Corp PLC COM G29183103 454 3,280 SH   SOLE 0 3,280 0 0
Emerson Electric COM 291011104 249 2,764 SH   SOLE 0 2,764 0 0
Equifax Inc COM 294429105 548 3,025 SH   SOLE 0 3,025 0 0
Erie Indemnity Co COM 29530P102 11,232 50,842 SH   SOLE 0 50,842 0 0
Exxon Mobil Corp COM 30231G102 878 15,719 SH   SOLE 0 9,619 0 6,100
Fedex Corp COM 31428X106 412 1,450 SH   SOLE 0 1,450 0 0
General Mills COM 370334104 745 12,144 SH   SOLE 0 12,144 0 0
Home Depot Inc COM 437076102 1,238 4,055 SH   SOLE 0 4,055 0 0
HP Inc. COM 40434L105 430 13,535 SH   SOLE 0 13,535 0 0
Illinois Tool Works COM 452308109 476 2,150 SH   SOLE 0 2,150 0 0
Intel Corp COM 458140100 1,377 21,507 SH   SOLE 0 20,607 0 900
Invesco QQQ Nasdaq 100 ETF 73935A104 335 1,050 SH   SOLE 0 1,050 0 0
iShares Core S&P 500 ETF ETF 464287200 2,373 5,964 SH   SOLE 0 5,664 0 300
iShares Core U.S. Agg Bond ETF ETF 464287226 298 2,620 SH   SOLE 0 2,370 0 250
iShares IBoxx Inv Gr Corp Bd ETF 464287242 293 2,250 SH   SOLE 0 2,250 0 0
iShares Russell 2000 ETF ETF 464287655 608 2,752 SH   SOLE 0 2,652 0 100
iShares Russell 2000 Growth ETF ETF 464287648 712 2,368 SH   SOLE 0 2,368 0 0
iShares Russell 2000 Value ETF ETF 464287630 461 2,892 SH   SOLE 0 2,892 0 0
iShares Russell MC Growth ETF ETF 464287481 1,206 11,816 SH   SOLE 0 11,816 0 0
iShares Russell MC Index ETF ETF 464287499 473 6,396 SH   SOLE 0 6,396 0 0
iShares Russell MC Value ETF ETF 464287473 984 9,000 SH   SOLE 0 9,000 0 0
JM Smucker Co COM 832696405 420 3,315 SH   SOLE 0 3,315 0 0
Johnson & Johnson COM 478160104 1,770 10,771 SH   SOLE 0 8,571 0 2,200
JPMorgan Chase & Co. COM 46625H100 415 2,726 SH   SOLE 0 2,726 0 0
L3 Harris Technologies Inc. COM 502431109 1,114 5,496 SH   SOLE 0 5,056 0 440
Lowes Companies Inc COM 548661107 285 1,500 SH   SOLE 0 1,500 0 0
Marriott International - CL A COM 571903202 725 4,892 SH   SOLE 0 4,892 0 0
Mastercard Inc COM 57636Q104 2,170 6,095 SH   SOLE 0 6,095 0 0
McDonald's Corp. COM 580135101 521 2,325 SH   SOLE 0 2,225 0 100
Metlife Inc. COM 59156r108 417 6,854 SH   SOLE 0 6,854 0 0
Microsoft Corp COM 594918104 3,898 16,533 SH   SOLE 0 16,533 0 0
Nestle S.A. ADR COM 641069406 753 6,756 SH   SOLE 0 6,056 0 700
Nextera Energy Inc Co COM 65339f101 363 4,800 SH   SOLE 0 3,600 0 1,200
Nike Inc. CL B COM 654106103 281 2,114 SH   SOLE 0 2,114 0 0
Norfolk Southern Corp. COM 655844108 1,168 4,350 SH   SOLE 0 4,325 0 25
Nvidia Corp COM 67066G104 220 411 SH   SOLE 0 411 0 0
Oneok Inc. COM 682680103 474 9,350 SH   SOLE 0 8,950 0 400
Oracle Corp COM 68389X105 287 4,083 SH   SOLE 0 4,083 0 0
Parker-Hannifin Corp COM 701094104 677 2,146 SH   SOLE 0 2,146 0 0
Paypal Holdings Inc COM 70450Y103 221 911 SH   SOLE 0 911 0 0
Pepsico Inc COM 713448108 734 5,190 SH   SOLE 0 4,490 0 700
Pfizer Inc COM 717081103 487 13,428 SH   SOLE 0 11,728 0 1,700
Philip Morris Int'l COM 718172109 1,614 18,190 SH   SOLE 0 17,090 0 1,100
Phillips 66 Co COM 718546104 318 3,899 SH   SOLE 0 3,899 0 0
PNC Financial Svcs COM 693475105 220 1,256 SH   SOLE 0 1,256 0 0
PPG Industries, Inc. COM 693506107 615 4,092 SH   SOLE 0 4,092 0 0
Procter & Gamble Co COM 742718109 1,636 12,077 SH   SOLE 0 11,677 0 400
Qualcomm Inc COM 747525103 230 1,731 SH   SOLE 0 1,731 0 0
Raytheon Technologies Co COM 75513E101 506 6,550 SH   SOLE 0 6,550 0 0
Republic Services Inc. COM 760759100 632 6,365 SH   SOLE 0 6,365 0 0
Schwab LC Value ETF ETF 808524409 218 3,342 SH   SOLE 0 3,342 0 0
Schwab US Broad Market ETF ETF 808524102 206 2,134 SH   SOLE 0 2,134 0 0
Schwab US Small Cap ETF ETF 808524607 277 2,783 SH   SOLE 0 2,783 0 0
SchwabUS LCap ETF ETF 808524201 1,451 15,105 SH   SOLE 0 15,105 0 0
Seagate Technology PLC COM G7945M107 226 2,948 SH   SOLE 0 2,948 0 0
Southern Co COM 842587107 218 3,500 SH   SOLE 0 2,300 0 1,200
SPDR S&P 500 ETF ETF 78462F103 1,770 4,465 SH   SOLE 0 4,465 0 0
Square Inc COM 852234103 226 995 SH   SOLE 0 995 0 0
Stanley Black & Decker Inc. COM 854502101 549 2,750 SH   SOLE 0 2,750 0 0
Thermo Fisher Scientific Inc. COM 883556102 319 700 SH   SOLE 0 700 0 0
Travelers Cos Inc COM 89417E109 205 1,360 SH   SOLE 0 460 0 900
Truist Financial Corp COM 89832Q109 242 4,147 SH   SOLE 0 4,147 0 0
Union Pacific Corp. COM 907818108 3,022 13,712 SH   SOLE 0 4,857 0 8,855
Unitedhealth Group Inc COM 91324P102 417 1,120 SH   SOLE 0 1,120 0 0
Vanguard Large Cap ETF ETF 922908637 239 1,287 SH   SOLE 0 1,287 0 0
Vanguard TTL Stock Mkt ETF ETF 922908769 308 1,491 SH   SOLE 0 1,337 0 154
Verizon Communications COM 92343V104 1,371 23,576 SH   SOLE 0 22,724 0 852
Vertex Pharmaceuticals COM 92532F100 215 1,000 SH   SOLE 0 1,000 0 0
VF Corp COM 918204108 288 3,600 SH   SOLE 0 3,600 0 0
Visa Inc. COM 92826c839 955 4,511 SH   SOLE 0 4,511 0 0
VM Ware Inc Cl A COM 928563402 222 1,475 SH   SOLE 0 1,475 0 0
W. W. Grainger Inc. COM 384802104 251 625 SH   SOLE 0 625 0 0
Wabtec Corp COM 929740108 1,296 16,366 SH   SOLE 0 16,147 0 219
WalMart Inc. COM 931142103 334 2,460 SH   SOLE 0 2,460 0 0
Waste Management Inc. COM 94106L109 890 6,900 SH   SOLE 0 6,900 0 0
Western Union Co. COM 959802109 202 8,200 SH   SOLE 0 8,200 0 0