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
3M Co Common Stock 88579Y101   5,410,737 51,011 SH   SOLE   51,011 0 0
ABBOTT LABS Common Stock 002824100   2,801,833 24,651 SH   SOLE   24,651 0 0
ABBVIE INC Common Stock 00287Y109   5,399,993 29,654 SH   SOLE   29,654 0 0
ACCENTURE PLC IRELAND Int'l Common Stock G1151C101   3,767,651 10,870 SH   SOLE   10,870 0 0
ADOBE INC Common Stock 00724F101   5,743,862 11,383 SH   SOLE   11,383 0 0
AFLAC INC Common Stock 001055102   416,249 4,848 SH   SOLE   4,848 0 0
AIR PRODS & CHEMS INC Common Stock 009158106   235,002 970 SH   SOLE   970 0 0
AKAMAI TECHNOLOGIES INC Common Stock 00971T101   5,079,310 46,702 SH   SOLE   46,702 0 0
ALLSTATE CORP Common Stock 020002101   688,061 3,977 SH   SOLE   3,977 0 0
Alphabet Inc Common Stock 02079K107   427,698 2,809 SH   SOLE   2,809 0 0
Alphabet Inc Common Stock 02079K305   11,140,747 73,814 SH   SOLE   73,814 0 0
ALTRIA GROUP INC Common Stock 02209S103   367,891 8,434 SH   SOLE   8,434 0 0
AMAZON COM INC Common Stock 023135106   6,441,911 35,713 SH   SOLE   35,713 0 0
AMGEN INC Common Stock 031162100   652,514 2,295 SH   SOLE   2,295 0 0
ANALOG DEVICES INC Common Stock 032654105   687,122 3,474 SH   SOLE   3,474 0 0
APPLE INC Common Stock 037833100   18,865,887 110,018 SH   SOLE   110,018 0 0
APPLIED MATLS INC Common Stock 038222105   725,517 3,518 SH   SOLE   3,518 0 0
AT&T INC Common Stock 00206R102   6,243,371 354,737 SH   SOLE   354,737 0 0
Automatic Data Processing Inc Common Stock 053015103   496,483 1,988 SH   SOLE   1,988 0 0
AUTOZONE INC Common Stock 053332102   4,970,152 1,577 SH   SOLE   1,577 0 0
BANK AMERICA CORP Common Stock 060505104   620,978 16,376 SH   SOLE   16,376 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702   896,128 2,131 SH   SOLE   2,131 0 0
BLACKROCK INC Common Stock 09247X101   218,429 262 SH   SOLE   262 0 0
BOEING CO Common Stock 097023105   2,427,814 12,580 SH   SOLE   12,580 0 0
Bristol-Myers Squibb Co Common Stock 110122108   498,591 9,194 SH   SOLE   9,194 0 0
BROADCOM INC Common Stock 11135F101   205,439 155 SH   SOLE   155 0 0
CARRIER GLOBAL CORPORATION Common Stock 14448C104   434,347 7,472 SH   SOLE   7,472 0 0
CATERPILLAR INC Common Stock 149123101   1,713,060 4,675 SH   SOLE   4,675 0 0
CBOE GLOBAL MKTS INC Common Stock 12503M108   5,976,921 32,531 SH   SOLE   32,531 0 0
CENCORA INC Common Stock 03073E105   2,093,845 8,617 SH   SOLE   8,617 0 0
CHENIERE ENERGY INC Common Stock 16411R208   5,985,746 37,114 SH   SOLE   37,114 0 0
CHEVRON CORP NEW Common Stock 166764100   1,541,278 9,771 SH   SOLE   9,771 0 0
CHUBB LIMITED Int'l Common Stock H1467J104   6,014,926 23,212 SH   SOLE   23,212 0 0
CINCINNATI FINL CORP Common Stock 172062101   3,812,639 30,705 SH   SOLE   30,705 0 0
CISCO SYS INC Common Stock 17275R102   8,657,389 173,460 SH   SOLE   173,460 0 0
Citigroup Inc Common Stock 172967424   5,464,442 86,408 SH   SOLE   86,408 0 0
CLOUDFLARE INC Common Stock 18915M107   290,490 3,000 SH   SOLE   3,000 0 0
CME GROUP INC Common Stock 12572Q105   5,410,453 25,131 SH   SOLE   25,131 0 0
COCA COLA CO Common Stock 191216100   1,185,668 19,380 SH   SOLE   19,380 0 0
COCA COLA CONS INC Common Stock 191098102   211,603 250 SH   SOLE   250 0 0
COMCAST CORP NEW Common Stock 20030N101   202,705 4,676 SH   SOLE   4,676 0 0
CONOCOPHILLIPS Common Stock 20825C104   776,917 6,104 SH   SOLE   6,104 0 0
CONSTELLATION BRANDS INC Common Stock 21036P108   358,451 1,319 SH   SOLE   1,319 0 0
COSTCO WHSL CORP NEW Common Stock 22160K105   216,126 295 SH   SOLE   295 0 0
CUMMINS INC Common Stock 231021106   326,767 1,109 SH   SOLE   1,109 0 0
CVS HEALTH CORP Common Stock 126650100   5,812,909 72,880 SH   SOLE   72,880 0 0
DANAHER CORPORATION Common Stock 235851102   1,452,122 5,815 SH   SOLE   5,815 0 0
DARDEN RESTAURANTS INC Common Stock 237194105   712,226 4,261 SH   SOLE   4,261 0 0
DEERE & CO Common Stock 244199105   446,885 1,088 SH   SOLE   1,088 0 0
DISNEY WALT CO Common Stock 254687106   1,051,317 8,592 SH   SOLE   8,592 0 0
DOMINION ENERGY INC Common Stock 25746U109   322,342 6,553 SH   SOLE   6,553 0 0
DOW INC Common Stock 260557103   270,128 4,663 SH   SOLE   4,663 0 0
DTE ENERGY CO Common Stock 233331107   281,247 2,508 SH   SOLE   2,508 0 0
DUKE ENERGY CORP NEW Common Stock 26441C204   7,079,752 73,206 SH   SOLE   73,206 0 0
EATON CORP PLC Int'l Common Stock G29183103   1,247,281 3,989 SH   SOLE   3,989 0 0
EBAY INC. Common Stock 278642103   232,074 4,397 SH   SOLE   4,397 0 0
ELEVANCE HEALTH INC Common Stock 036752103   580,246 1,119 SH   SOLE   1,119 0 0
ELI LILLY & CO Common Stock 532457108   384,312 494 SH   SOLE   494 0 0
EMERSON ELEC CO Common Stock 291011104   328,011 2,892 SH   SOLE   2,892 0 0
ENBRIDGE INC Int'l Common Stock 29250N105   273,702 7,565 SH   SOLE   7,565 0 0
EOG RES INC Common Stock 26875P101   3,339,181 26,120 SH   SOLE   26,120 0 0
EQT CORP Common Stock 26884L109   2,456,555 66,268 SH   SOLE   66,268 0 0
ESSENTIAL UTILS INC Common Stock 29670G102   450,861 12,169 SH   SOLE   12,169 0 0
EXXON MOBIL CORP Common Stock 30231G102   3,647,030 31,375 SH   SOLE   31,375 0 0
Farmers National Banc Corp Common Stock 309627107   5,314,100 397,762 SH   SOLE   388,728 9,034 0
GE HEALTHCARE TECHNOLOGIES INC Common Stock 36266G107   212,638 2,339 SH   SOLE   2,339 0 0
General Electric Co Common Stock 369604301   1,435,484 8,178 SH   SOLE   8,178 0 0
GENERAL MLS INC Common Stock 370334104   4,425,952 63,255 SH   SOLE   63,255 0 0
GILEAD SCIENCES INC Common Stock 375558103   4,446,641 60,705 SH   SOLE   60,705 0 0
GSK PLC Int'l Common Stock 37733W204   209,206 4,880 SH   SOLE   4,880 0 0
HERSHEY CO Common Stock 427866108   749,020 3,851 SH   SOLE   3,851 0 0
HOME DEPOT INC Common Stock 437076102   3,230,679 8,422 SH   SOLE   8,422 0 0
HONEYWELL INTL INC Common Stock 438516106   7,378,327 35,948 SH   SOLE   35,948 0 0
HP INC Common Stock 40434L105   687,021 22,734 SH   SOLE   22,734 0 0
HUBBELL INC Common Stock 443510607   913,110 2,200 SH   SOLE   2,200 0 0
HUNTINGTON BANCSHARES INC Common Stock 446150104   1,848,208 132,488 SH   SOLE   132,488 0 0
ILLINOIS TOOL WKS INC Common Stock 452308109   394,445 1,470 SH   SOLE   1,470 0 0
INTEL CORP Common Stock 458140100   1,117,678 25,304 SH   SOLE   25,304 0 0
INTERNATIONAL BUSINESS MACHS Common Stock 459200101   9,399,051 49,220 SH   SOLE   49,220 0 0
INVESCO EXCHANGE TRADED FD TR Exchange Traded Fund 46137V357   327,900 1,936 SH   SOLE   1,936 0 0
INVESCO QQQ TR Exchange Traded Fund 46090E103   5,073,258 11,426 SH   SOLE   11,426 0 0
ISHARES GOLD TR Exchange Traded Fund 464285204   329,611 7,846 SH   SOLE   7,846 0 0
ISHARES TR Exchange Traded Fund 464287200   1,892,102 3,599 SH   SOLE   3,599 0 0
ISHARES TR Exchange Traded Fund 464287234   1,466,104 35,689 SH   SOLE   35,689 0 0
ISHARES TR Exchange Traded Fund 464287465   2,810,034 35,187 SH   SOLE   35,187 0 0
ISHARES TR Exchange Traded Fund 464287507   3,620,104 59,600 SH   SOLE   59,600 0 0
ISHARES TR Exchange Traded Fund 464287598   531,957 2,970 SH   SOLE   2,970 0 0
ISHARES TR Exchange Traded Fund 464287804   3,759,559 34,017 SH   SOLE   34,017 0 0
ISHARES TR Exchange Traded Fund 464288752   331,913 2,867 SH   SOLE   2,867 0 0
ISHARES TR Fixed Income ETF 464287457   588,816 7,200 SH   SOLE   7,200 0 0
JOHNSON & JOHNSON Common Stock 478160104   9,541,863 60,319 SH   SOLE   60,319 0 0
JOHNSON CTLS INTL PLC Int'l Common Stock G51502105   201,055 3,078 SH   SOLE   3,078 0 0
JPMORGAN CHASE & CO Common Stock 46625H100   16,845,230 84,100 SH   SOLE   84,100 0 0
KENVUE INC Common Stock 49177J102   4,537,803 211,454 SH   SOLE   211,454 0 0
Kimberly-Clark Corp Common Stock 494368103   268,789 2,078 SH   SOLE   2,078 0 0
KINDER MORGAN INC DEL Common Stock 49456B101   4,869,527 265,514 SH   SOLE   265,514 0 0
KROGER CO Common Stock 501044101   375,230 6,568 SH   SOLE   6,568 0 0
LAM RESEARCH CORP Common Stock 512807108   308,959 318 SH   SOLE   318 0 0
LINDE PLC Int'l Common Stock G54950103   241,446 520 SH   SOLE   520 0 0
Lockheed Martin Corp Common Stock 539830109   3,322,825 7,305 SH   SOLE   7,305 0 0
LOWES COS INC Common Stock 548661107   368,340 1,446 SH   SOLE   1,446 0 0
MCDONALDS CORP Common Stock 580135101   7,729,095 27,413 SH   SOLE   27,413 0 0
MEDTRONIC PLC Int'l Common Stock G5960L103   5,647,843 64,806 SH   SOLE   64,806 0 0
Merck & Co Inc Common Stock 58933Y105   646,819 4,902 SH   SOLE   4,902 0 0
Meta Platforms Inc Common Stock 30303M102   719,630 1,482 SH   SOLE   1,482 0 0
METLIFE INC Common Stock 59156R108   299,108 4,036 SH   SOLE   4,036 0 0
Microsoft Corp Common Stock 594918104   24,313,830 57,791 SH   SOLE   57,791 0 0
MICROVISION INC DEL Common Stock 594960304   286,672 155,800 SH   SOLE   155,800 0 0
MID-AMER APT CMNTYS INC Common Stock 59522J103   4,065,427 30,897 SH   SOLE   30,897 0 0
MOTOROLA SOLUTIONS INC Common Stock 620076307   201,629 568 SH   SOLE   568 0 0
NEWMONT CORP Common Stock 651639106   5,041,649 140,671 SH   SOLE   140,671 0 0
NEXTERA ENERGY INC Common Stock 65339F101   6,839,648 107,020 SH   SOLE   107,020 0 0
Nike Inc Common Stock 654106103   1,566,741 16,671 SH   SOLE   16,671 0 0
NORDSON CORP Common Stock 655663102   494,172 1,800 SH   SOLE   1,800 0 0
NORFOLK SOUTHN CORP Common Stock 655844108   790,607 3,102 SH   SOLE   3,102 0 0
NUCOR CORP Common Stock 670346105   670,485 3,388 SH   SOLE   3,388 0 0
NVIDIA CORPORATION Common Stock 67066G104   771,640 854 SH   SOLE   854 0 0
ORACLE CORP Common Stock 68389X105   2,446,757 19,479 SH   SOLE   19,479 0 0
OTIS WORLDWIDE CORP Common Stock 68902V107   243,211 2,450 SH   SOLE   2,450 0 0
PARKER-HANNIFIN CORP Common Stock 701094104   3,114,647 5,604 SH   SOLE   5,604 0 0
PEPSICO INC Common Stock 713448108   10,114,703 57,795 SH   SOLE   57,795 0 0
PFIZER INC Common Stock 717081103   6,423,404 231,474 SH   SOLE   231,474 0 0
PHILIP MORRIS INTL INC Common Stock 718172109   3,040,593 33,187 SH   SOLE   33,187 0 0
PHILLIPS 66 Common Stock 718546104   272,288 1,667 SH   SOLE   1,667 0 0
PNC FINL SVCS GROUP INC Common Stock 693475105   1,570,914 9,721 SH   SOLE   9,721 0 0
PPG INDS INC Common Stock 693506107   2,275,944 15,707 SH   SOLE   15,707 0 0
PREMIER FINANCIAL CORP Common Stock 74052F108   242,240 11,933 SH   SOLE   11,933 0 0
PROCTER AND GAMBLE CO Common Stock 742718109   6,138,891 37,836 SH   SOLE   37,836 0 0
PROGRESSIVE CORP Common Stock 743315103   1,429,126 6,910 SH   SOLE   6,910 0 0
QUALCOMM INC Common Stock 747525103   599,830 3,543 SH   SOLE   3,543 0 0
QUANTA SVCS INC Common Stock 74762E102   301,888 1,162 SH   SOLE   1,162 0 0
RPM INTL INC Common Stock 749685103   273,466 2,299 SH   SOLE   2,299 0 0
RTX CORPORATION Common Stock 75513E101   455,953 4,675 SH   SOLE   4,675 0 0
SCHLUMBERGER LTD Common Stock 806857108   4,917,718 89,723 SH   SOLE   89,723 0 0
SCHWAB STRATEGIC TR Exchange Traded Fund 808524201   437,647 7,052 SH   SOLE   7,052 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y209   215,686 1,460 SH   SOLE   1,460 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y407   6,442,218 35,033 SH   SOLE   35,033 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y506   1,948,150 20,635 SH   SOLE   20,635 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y886   788,719 12,014 SH   SOLE   12,014 0 0
ServiceNow Inc Common Stock 81762P102   249,305 327 SH   SOLE   327 0 0
SHELL PLC Int'l Common Stock 780259305   416,318 6,210 SH   SOLE   6,210 0 0
SMUCKER J M CO Common Stock 832696405   1,236,295 9,822 SH   SOLE   9,822 0 0
SOUTHERN CO Common Stock 842587107   784,477 10,935 SH   SOLE   10,935 0 0
SPDR GOLD TR Exchange Traded Fund 78463V107   1,869,172 9,086 SH   SOLE   9,086 0 0
SPDR S&P 500 ETF TR Exchange Traded Fund 78462F103   45,996,160 87,935 SH   SOLE   87,935 0 0
SPDR SER TR Exchange Traded Fund 78464A698   238,026 4,734 SH   SOLE   4,734 0 0
STARBUCKS CORP Common Stock 855244109   207,455 2,270 SH   SOLE   2,270 0 0
STRYKER CORPORATION Common Stock 863667101   5,743,098 16,048 SH   SOLE   16,048 0 0
TARGET CORP Common Stock 87612E106   288,143 1,626 SH   SOLE   1,626 0 0
TE Connectivity Ltd Int'l Common Stock H84989104   4,746,153 32,678 SH   SOLE   32,678 0 0
TEXAS INSTRS INC Common Stock 882508104   302,080 1,734 SH   SOLE   1,734 0 0
TFS FINL CORP Common Stock 87240R107   251,200 20,000 SH   SOLE   20,000 0 0
THE CIGNA GROUP Common Stock 125523100   504,108 1,388 SH   SOLE   1,388 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102   216,210 372 SH   SOLE   372 0 0
TJX COS INC NEW Common Stock 872540109   6,193,517 61,068 SH   SOLE   61,068 0 0
TRANE TECHNOLOGIES PLC Int'l Common Stock G8994E103   546,664 1,821 SH   SOLE   1,821 0 0
TRAVELERS COMPANIES INC Common Stock 89417E109   348,432 1,514 SH   SOLE   1,514 0 0
TRUIST FINL CORP Common Stock 89832Q109   455,676 11,690 SH   SOLE   11,690 0 0
TYSON FOODS INC Common Stock 902494103   263,345 4,484 SH   SOLE   4,484 0 0
UNION PAC CORP Common Stock 907818108   376,765 1,532 SH   SOLE   1,532 0 0
United Parcel Service Inc Common Stock 911312106   4,264,492 28,692 SH   SOLE   28,692 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102   788,057 1,593 SH   SOLE   1,593 0 0
Valero Energy Corp Common Stock 91913Y100   484,418 2,838 SH   SOLE   2,838 0 0
VANECK ETF TRUST Exchange Traded Fund 92189F106   1,499,136 47,411 SH   SOLE   47,411 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908363   480,700 1,000 SH   SOLE   1,000 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908553   360,449 4,168 SH   SOLE   4,168 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908736   848,797 2,466 SH   SOLE   2,466 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908751   308,368 1,349 SH   SOLE   1,349 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908769   1,144,600 4,404 SH   SOLE   4,404 0 0
VANGUARD SPECIALIZED FUNDS Exchange Traded Fund 921908844   223,515 1,224 SH   SOLE   1,224 0 0
VENTAS INC Common Stock 92276F100   2,238,435 51,411 SH   SOLE   51,411 0 0
Verizon Communications Inc Common Stock 92343V104   6,551,467 156,136 SH   SOLE   156,136 0 0
VISA INC Common Stock 92826C839   7,182,961 25,738 SH   SOLE   25,738 0 0
VORNADO RLTY TR Common Stock 929042109   3,865,652 134,364 SH   SOLE   134,364 0 0
WALMART INC Common Stock 931142103   9,972,455 165,738 SH   SOLE   165,738 0 0
WELLS FARGO CO NEW Common Stock 949746101   680,566 11,742 SH   SOLE   11,742 0 0
YUM BRANDS INC Common Stock 988498101   925,905 6,678 SH   SOLE   6,678 0 0