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 985 5,616 SH   SOLE 0 4,616 0 1,000
Adobe Inc COM 00724F101 541 939 SH   SOLE 0 939 0 0
Alphabet Inc. Class A COM 02079K305 1,155 432 SH   SOLE 0 407 0 25
Alphabet Inc. Class C COM 02079K107 1,141 428 SH   SOLE 0 403 0 25
Altria Group Inc COM 02209S103 1,232 27,062 SH   SOLE 0 25,462 0 1,600
Amazon.Com COM 023135106 246 75 SH   SOLE 0 75 0 0
Apple Inc. COM 037833100 1,264 8,934 SH   SOLE 0 8,934 0 0
AT&T Corp. COM 00206r102 777 28,765 SH   SOLE 0 26,365 0 2,400
Becton Dickinson COM 075887109 620 2,521 SH   SOLE 0 2,521 0 0
Berkshire Hathaway Inc. Class A COM 084670108 411 1 SH   SOLE 0 1 0 0
Berkshire Hathaway Inc. Class B COM 084670702 1,110 4,066 SH   SOLE 0 4,066 0 0
Boeing Co COM 097023105 552 2,510 SH   SOLE 0 2,510 0 0
BP PLC ADR COM 055622104 201 7,362 SH   SOLE 0 4,362 0 3,000
Bristol Myers Squibb Co COM 110122108 472 7,975 SH   SOLE 0 7,375 0 600
Chevron Corporation COM 166764100 461 4,542 SH   SOLE 0 4,542 0 0
Church & Dwight Co Inc COM 171340102 826 10,000 SH   SOLE 0 10,000 0 0
Clorox COM 189054109 225 1,360 SH   SOLE 0 1,360 0 0
ConocoPhillips COM 20825c104 483 7,125 SH   SOLE 0 7,125 0 0
Corning Inc COM 219350105 365 10,000 SH   SOLE 0 10,000 0 0
Deere & Co COM 244199105 1,612 4,810 SH   SOLE 0 4,570 0 240
Discover Financial Services COM 254709108 357 2,905 SH   SOLE 0 2,905 0 0
Eaton Corp PLC COM G29183103 414 2,770 SH   SOLE 0 2,770 0 0
Emerson Electric COM 291011104 244 2,589 SH   SOLE 0 2,589 0 0
Equifax Inc COM 294429105 767 3,025 SH   SOLE 0 3,025 0 0
Erie Indemnity Co COM 29530P102 8,963 50,237 SH   SOLE 0 50,237 0 0
Exxon Mobil Corp COM 30231G102 681 11,574 SH   SOLE 0 5,474 0 6,100
Fedex Corp COM 31428X106 264 1,205 SH   SOLE 0 1,205 0 0
General Mills COM 370334104 702 11,744 SH   SOLE 0 11,744 0 0
Home Depot Inc COM 437076102 1,331 4,055 SH   SOLE 0 4,055 0 0
HP Inc. COM 40434L105 360 13,145 SH   SOLE 0 13,145 0 0
Illinois Tool Works COM 452308109 408 1,975 SH   SOLE 0 1,975 0 0
Intel Corp COM 458140100 1,143 21,457 SH   SOLE 0 20,557 0 900
Invesco QQQ Nasdaq 100 ETF 73935A104 376 1,050 SH   SOLE 0 1,050 0 0
iShares Core S&P 500 ETF ETF 464287200 2,440 5,664 SH   SOLE 0 5,364 0 300
iShares Core U.S. Agg Bond ETF ETF 464287226 301 2,620 SH   SOLE 0 2,370 0 250
iShares IBoxx Inv Gr Corp Bd ETF 464287242 279 2,100 SH   SOLE 0 2,100 0 0
iShares Russell 2000 ETF ETF 464287655 560 2,562 SH   SOLE 0 2,462 0 100
iShares Russell 2000 Growth ETF ETF 464287648 664 2,263 SH   SOLE 0 2,263 0 0
iShares Russell 2000 Value ETF ETF 464287630 450 2,807 SH   SOLE 0 2,807 0 0
iShares Russell MC Growth ETF ETF 464287481 1,311 11,695 SH   SOLE 0 11,695 0 0
iShares Russell MC Index ETF ETF 464287499 500 6,396 SH   SOLE 0 6,396 0 0
iShares Russell MC Value ETF ETF 464287473 1,017 8,982 SH   SOLE 0 8,982 0 0
JM Smucker Co COM 832696405 398 3,315 SH   SOLE 0 3,315 0 0
Johnson & Johnson COM 478160104 1,687 10,446 SH   SOLE 0 8,246 0 2,200
JPMorgan Chase & Co. COM 46625H100 449 2,741 SH   SOLE 0 2,741 0 0
KeyCorp COM 493267108 202 9,327 SH   SOLE 0 9,327 0 0
L3 Harris Technologies Inc. COM 502431109 1,210 5,496 SH   SOLE 0 5,056 0 440
Lowes Companies Inc COM 548661107 304 1,500 SH   SOLE 0 1,500 0 0
Marriott International - CL A COM 571903202 695 4,692 SH   SOLE 0 4,692 0 0
Mastercard Inc COM 57636Q104 1,771 5,095 SH   SOLE 0 5,095 0 0
McDonald's Corp. COM 580135101 549 2,275 SH   SOLE 0 2,175 0 100
Metlife Inc. COM 59156r108 423 6,854 SH   SOLE 0 6,854 0 0
Microsoft Corp COM 594918104 4,480 15,890 SH   SOLE 0 15,890 0 0
Nestle S.A. ADR COM 641069406 812 6,756 SH   SOLE 0 6,056 0 700
Nike Inc. CL B COM 654106103 307 2,114 SH   SOLE 0 2,114 0 0
Norfolk Southern Corp. COM 655844108 957 4,000 SH   SOLE 0 4,000 0 0
Nvidia Corp COM 67066G104 346 1,669 SH   SOLE 0 1,669 0 0
Oneok Inc. COM 682680103 502 8,650 SH   SOLE 0 8,250 0 400
Oracle Corp COM 68389X105 356 4,083 SH   SOLE 0 4,083 0 0
Parker-Hannifin Corp COM 701094104 600 2,146 SH   SOLE 0 2,146 0 0
Paypal Holdings Inc COM 70450Y103 232 891 SH   SOLE 0 891 0 0
Pepsico Inc COM 713448108 781 5,190 SH   SOLE 0 4,490 0 700
Pfizer Inc COM 717081103 577 13,403 SH   SOLE 0 11,703 0 1,700
Philip Morris Int'l COM 718172109 1,716 18,105 SH   SOLE 0 17,005 0 1,100
Phillips 66 Co COM 718546104 273 3,899 SH   SOLE 0 3,899 0 0
PNC Financial Svcs COM 693475105 246 1,256 SH   SOLE 0 1,256 0 0
PPG Industries Inc. COM 693506107 557 3,892 SH   SOLE 0 3,892 0 0
Procter & Gamble Co COM 742718109 1,646 11,777 SH   SOLE 0 11,377 0 400
Qualcomm Inc COM 747525103 223 1,731 SH   SOLE 0 1,731 0 0
Raytheon Technologies Co COM 75513E101 523 6,084 SH   SOLE 0 6,084 0 0
Republic Services Inc. COM 760759100 752 6,265 SH   SOLE 0 6,265 0 0
Schwab LC Value ETF ETF 808524409 226 3,342 SH   SOLE 0 3,342 0 0
Schwab US Broad Market ETF ETF 808524102 222 2,134 SH   SOLE 0 2,134 0 0
Schwab US Small Cap ETF ETF 808524607 279 2,783 SH   SOLE 0 2,783 0 0
SchwabUS LCap ETF ETF 808524201 1,567 15,065 SH   SOLE 0 15,065 0 0
Seagate Technology Holdings PLC COM G7945M107 243 2,948 SH   SOLE 0 2,948 0 0
SPDR S&P 500 ETF ETF 78462F103 1,727 4,025 SH   SOLE 0 4,025 0 0
Square Inc COM 852234103 203 845 SH   SOLE 0 845 0 0
Stanley Black & Decker Inc. COM 854502101 482 2,750 SH   SOLE 0 2,750 0 0
Thermo Fisher Scientific Inc. COM 883556102 400 700 SH   SOLE 0 700 0 0
Travelers Cos Inc COM 89417E109 207 1,360 SH   SOLE 0 460 0 900
Truist Financial Corp COM 89832Q109 243 4,147 SH   SOLE 0 4,147 0 0
Union Pacific Corp. COM 907818108 2,675 13,647 SH   SOLE 0 4,857 0 8,790
Unitedhealth Group Inc COM 91324P102 438 1,120 SH   SOLE 0 1,120 0 0
Vanguard Large Cap ETF ETF 922908637 259 1,287 SH   SOLE 0 1,287 0 0
Vanguard TTL Stock Mkt ETF ETF 922908769 331 1,491 SH   SOLE 0 1,337 0 154
Verizon Communications COM 92343V104 1,262 23,364 SH   SOLE 0 22,512 0 852
VF Corp COM 918204108 201 3,000 SH   SOLE 0 3,000 0 0
Visa Inc. COM 92826c839 994 4,461 SH   SOLE 0 4,461 0 0
VM Ware Inc Cl A COM 928563402 210 1,415 SH   SOLE 0 1,415 0 0
W. W. Grainger Inc. COM 384802104 246 625 SH   SOLE 0 625 0 0
Wabtec Corp COM 929740108 1,411 16,365 SH   SOLE 0 16,146 0 219
WalMart Inc. COM 931142103 294 2,110 SH   SOLE 0 2,110 0 0
Waste Management Inc. COM 94106L109 1,031 6,900 SH   SOLE 0 6,900 0 0