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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101   597,178 5,681 SH   SOLE 0 4,581 0 1,100
Abbvie Inc COM 00287Y109   355,714 2,232 SH   SOLE 0 2,232 0 0
Adobe Inc COM 00724F101   370,726 962 SH   SOLE 0 962 0 0
Alphabet Inc. Class A COM 02079K305   877,556 8,460 SH   SOLE 0 7,960 0 500
Alphabet Inc. Class C COM 02079K107   1,206,400 11,600 SH   SOLE 0 11,100 0 500
Altria Group Inc COM 02209S103   1,206,391 27,037 SH   SOLE 0 25,437 0 1,600
Amazon.Com COM 023135106   291,794 2,825 SH   SOLE 0 2,825 0 0
Apple Inc. COM 037833100   2,113,358 12,816 SH   SOLE 0 12,816 0 0
AT&T Corp. COM 00206r102   429,256 22,299 SH   SOLE 0 19,899 0 2,400
Automatic Data Processing COM 053015103   287,861 1,293 SH   SOLE 0 1,293 0 0
Becton Dickinson COM 075887109   515,131 2,081 SH   SOLE 0 2,081 0 0
Berkshire Hathaway Inc. Class B COM 084670702   1,255,459 4,066 SH   SOLE 0 4,066 0 0
Berkshire Htwy Cl A 1/100 COM 084990175   465,600 100 SH   SOLE 0 100 0 0
Boeing Co COM 097023105   516,205 2,430 SH   SOLE 0 2,430 0 0
Bristol Myers Squibb Co COM 110122108   597,106 8,615 SH   SOLE 0 8,015 0 600
Caterpillar COM 149123101   220,373 963 SH   SOLE 0 663 0 300
Chevron Corporation COM 166764100   822,979 5,044 SH   SOLE 0 5,044 0 0
Church & Dwight Co Inc COM 171340102   822,213 9,300 SH   SOLE 0 9,300 0 0
ConocoPhillips COM 20825c104   667,187 6,725 SH   SOLE 0 6,725 0 0
Consolidated Edison COM 209115104   217,649 2,275 SH   SOLE 0 2,075 0 200
Corning Inc COM 219350105   349,272 9,900 SH   SOLE 0 9,900 0 0
Deere & Co COM 244199105   1,193,223 2,890 SH   SOLE 0 2,650 0 240
Discover Financial Services COM 254709108   249,077 2,520 SH   SOLE 0 2,520 0 0
Eaton Corp PLC COM G29183103   464,160 2,709 SH   SOLE 0 2,709 0 0
Eli Lilly & Co COM 532457108   291,564 849 SH   SOLE 0 849 0 0
Equifax Inc COM 294429105   410,751 2,025 SH   SOLE 0 2,025 0 0
Erie Indemnity Co COM 29530P102   9,401,458 40,583 SH   SOLE 0 40,583 0 0
Exxon Mobil Corp COM 30231G102   1,275,343 11,630 SH   SOLE 0 5,530 0 6,100
Fedex Corp COM 31428X106   279,900 1,225 SH   SOLE 0 1,225 0 0
General Mills COM 370334104   960,912 11,244 SH   SOLE 0 11,244 0 0
Home Depot Inc COM 437076102   1,082,205 3,667 SH   SOLE 0 3,667 0 0
Honeywell International COM 438516106   229,917 1,203 SH   SOLE 0 1,203 0 0
HP Inc. COM 40434L105   379,496 12,930 SH   SOLE 0 12,930 0 0
Illinois Tool Works COM 452308109   480,814 1,975 SH   SOLE 0 1,975 0 0
Intel Corp COM 458140100   620,305 18,987 SH   SOLE 0 18,987 0 0
Invesco QQQ Nasdaq 100 ETF 73935A104   299,107 932 SH   SOLE 0 932 0 0
iShares Core U.S. Agg Bond ETF ETF 464287226   248,303 2,492 SH   SOLE 0 2,492 0 0
iShares Core S&P 500 ETF ETF 464287200   2,328,357 5,664 SH   SOLE 0 5,364 0 300
iShares IBoxx Inv Gr Corp Bd ETF 464287242   228,646 2,086 SH   SOLE 0 2,086 0 0
iShares Russell 2000 ETF ETF 464287655   234,737 1,316 SH   SOLE 0 1,316 0 0
iShares Russell 2000 Value ETF ETF 464287630   253,213 1,848 SH   SOLE 0 1,848 0 0
iShares Russell MC Growth ETF ETF 464287481   1,021,490 11,219 SH   SOLE 0 11,219 0 0
iShares Russell MC Index ETF ETF 464287499   425,533 6,086 SH   SOLE 0 6,086 0 0
iShares Russell MC Value ETF ETF 464287473   873,389 8,224 SH   SOLE 0 8,224 0 0
JM Smucker Co COM 832696405   395,786 2,515 SH   SOLE 0 2,515 0 0
Johnson & Johnson COM 478160104   1,845,934 11,909 SH   SOLE 0 9,709 0 2,200
JPMorgan Chase & Co. COM 46625H100   344,149 2,641 SH   SOLE 0 2,641 0 0
L3 Harris Technologies Inc. COM 502431109   1,041,249 5,306 SH   SOLE 0 4,916 0 390
Lowe's Companies Inc COM 548661107   261,761 1,309 SH   SOLE 0 1,309 0 0
Marriott International - CL A COM 571903202   712,644 4,292 SH   SOLE 0 4,292 0 0
Mastercard Inc COM 57636Q104   1,124,754 3,095 SH   SOLE 0 3,095 0 0
McDonald's Corp. COM 580135101   622,132 2,225 SH   SOLE 0 2,175 0 50
Merck & Co. COM 589331107   243,208 2,286 SH   SOLE 0 2,286 0 0
Metlife Inc. COM 59156r108   313,629 5,413 SH   SOLE 0 5,413 0 0
Microsoft Corp COM 594918104   4,235,415 14,691 SH   SOLE 0 14,691 0 0
Nestle S.A. ADR COM 641069406   730,140 6,000 SH   SOLE 0 5,700 0 300
Nextera Energy Inc Co COM 65339f101   510,270 6,620 SH   SOLE 0 5,420 0 1,200
Nike Inc. CL B COM 654106103   259,261 2,114 SH   SOLE 0 2,114 0 0
Norfolk Southern Corp. COM 655844108   848,000 4,000 SH   SOLE 0 4,000 0 0
Nvidia Corp COM 67066G104   514,430 1,852 SH   SOLE 0 1,852 0 0
Oneok Inc. COM 682680103   549,621 8,650 SH   SOLE 0 8,250 0 400
Oracle Corp COM 68389X105   379,371 4,083 SH   SOLE 0 4,083 0 0
Parker-Hannifin Corp COM 701094104   714,906 2,127 SH   SOLE 0 2,127 0 0
Pepsico Inc COM 713448108   924,261 5,070 SH   SOLE 0 4,370 0 700
Pfizer Inc COM 717081103   586,214 14,368 SH   SOLE 0 12,668 0 1,700
Philip Morris Int'l COM 718172109   1,636,718 16,830 SH   SOLE 0 15,730 0 1,100
Phillips 66 Co COM 718546104   375,005 3,699 SH   SOLE 0 3,699 0 0
PNC Financial Svcs COM 693475105   208,317 1,639 SH   SOLE 0 1,639 0 0
PPG Industries Inc. COM 693506107   494,112 3,699 SH   SOLE 0 3,699 0 0
Procter & Gamble Co COM 742718109   1,813,721 12,198 SH   SOLE 0 12,198 0 0
ProShares Short S&P500 ETF 74347R503   504,750 33,650 SH   SOLE 0 33,650 0 0
Qualcomm Inc COM 747525103   239,978 1,881 SH   SOLE 0 1,881 0 0
Raytheon Technologies Co COM 75513E101   580,431 5,927 SH   SOLE 0 5,927 0 0
Republic Services Inc. COM 760759100   813,348 6,015 SH   SOLE 0 6,015 0 0
SchwabUS LCap ETF ETF 808524201   1,449,746 29,972 SH   SOLE 0 29,972 0 0
Southern Co COM 842587107   248,749 3,575 SH   SOLE 0 2,375 0 1,200
SPDR Gold Trust ETF ETF 78463v107   948,164 5,175 SH   SOLE 0 5,125 0 50
SPDR S&P 500 ETF ETF 78462F103   1,864,650 4,555 SH   SOLE 0 4,555 0 0
Stanley Black & Decker Inc. COM 854502101   213,537 2,650 SH   SOLE 0 2,650 0 0
The Coca Cola Company COM 191216100   238,567 3,846 SH   SOLE 0 3,846 0 0
Thermo Fisher Scientific Inc. COM 883556102   403,459 700 SH   SOLE 0 700 0 0
Travelers Cos Inc COM 89417E109   226,261 1,320 SH   SOLE 0 420 0 900
Union Pacific Corp. COM 907818108   2,708,557 13,458 SH   SOLE 0 4,768 0 8,690
Unitedhealth Group Inc COM 91324P102   529,773 1,121 SH   SOLE 0 1,121 0 0
US Bancorp Del Com New COM 902973304   256,207 7,107 SH   SOLE 0 7,107 0 0
Vanguard Large Cap ETF ETF 922908637   240,424 1,287 SH   SOLE 0 1,287 0 0
Vanguard TTL Stock Mkt ETF ETF 922908769   272,882 1,337 SH   SOLE 0 1,337 0 0
Verizon Communications COM 92343V104   755,244 19,420 SH   SOLE 0 18,568 0 852
Vertex Pharmaceuticals COM 92532F100   315,070 1,000 SH   SOLE 0 1,000 0 0
Visa Inc. COM 92826c839   987,515 4,380 SH   SOLE 0 4,380 0 0
W. W. Grainger Inc. COM 384802104   430,506 625 SH   SOLE 0 625 0 0
Wabtec Corp COM 929740108   1,653,443 16,361 SH   SOLE 0 16,142 0 219
WalMart Inc. COM 931142103   293,868 1,993 SH   SOLE 0 1,993 0 0
Waste Management Inc. COM 94106L109   1,093,239 6,700 SH   SOLE 0 6,700 0 0