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   5,182,872 50,718 SH   SOLE   50,718 0 0
ABBOTT LABS Common Stock 002824100   2,551,094 24,551 SH   SOLE   24,551 0 0
ABBVIE INC Common Stock 00287Y109   5,081,795 29,628 SH   SOLE   29,628 0 0
ACCENTURE PLC IRELAND Int'l Common Stock G1151C101   3,296,246 10,864 SH   SOLE   10,864 0 0
ADOBE INC Common Stock 00724F101   6,448,153 11,607 SH   SOLE   11,607 0 0
AFLAC INC Common Stock 001055102   432,975 4,848 SH   SOLE   4,848 0 0
AIR PRODS & CHEMS INC Common Stock 009158106   210,827 817 SH   SOLE   817 0 0
AKAMAI TECHNOLOGIES INC Common Stock 00971T101   4,222,950 46,880 SH   SOLE   46,880 0 0
ALLSTATE CORP Common Stock 020002101   623,792 3,907 SH   SOLE   3,907 0 0
Alphabet Inc Common Stock 02079K107   450,113 2,454 SH   SOLE   2,454 0 0
Alphabet Inc Common Stock 02079K305   13,132,469 72,097 SH   SOLE   72,097 0 0
ALTRIA GROUP INC Common Stock 02209S103   384,169 8,434 SH   SOLE   8,434 0 0
AMAZON COM INC Common Stock 023135106   6,812,642 35,253 SH   SOLE   35,253 0 0
AMGEN INC Common Stock 031162100   680,204 2,177 SH   SOLE   2,177 0 0
ANALOG DEVICES INC Common Stock 032654105   775,399 3,397 SH   SOLE   3,397 0 0
APPLE INC Common Stock 037833100   24,390,007 115,801 SH   SOLE   115,801 0 0
APPLIED MATLS INC Common Stock 038222105   795,994 3,373 SH   SOLE   3,373 0 0
AT&T INC Common Stock 00206R102   6,845,680 358,225 SH   SOLE   358,225 0 0
Automatic Data Processing Inc Common Stock 053015103   473,322 1,983 SH   SOLE   1,983 0 0
AUTOZONE INC Common Stock 053332102   4,478,755 1,511 SH   SOLE   1,511 0 0
BANK AMERICA CORP Common Stock 060505104   595,357 14,970 SH   SOLE   14,970 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702   840,856 2,067 SH   SOLE   2,067 0 0
BLACKROCK INC Common Stock 09247X101   206,278 262 SH   SOLE   262 0 0
BOEING CO Common Stock 097023105   264,097 1,451 SH   SOLE   1,451 0 0
Bristol-Myers Squibb Co Common Stock 110122108   373,936 9,004 SH   SOLE   9,004 0 0
BROADCOM INC Common Stock 11135F101   248,857 155 SH   SOLE   155 0 0
CARRIER GLOBAL CORPORATION Common Stock 14448C104   471,334 7,472 SH   SOLE   7,472 0 0
CATERPILLAR INC Common Stock 149123101   1,550,914 4,656 SH   SOLE   4,656 0 0
CBOE GLOBAL MKTS INC Common Stock 12503M108   5,365,393 31,550 SH   SOLE   31,550 0 0
CENCORA INC Common Stock 03073E105   1,898,153 8,425 SH   SOLE   8,425 0 0
CHENIERE ENERGY INC Common Stock 16411R208   6,150,694 35,181 SH   SOLE   35,181 0 0
CHEVRON CORP NEW Common Stock 166764100   1,465,655 9,370 SH   SOLE   9,370 0 0
CHUBB LIMITED Int'l Common Stock H1467J104   5,621,198 22,037 SH   SOLE   22,037 0 0
CINCINNATI FINL CORP Common Stock 172062101   2,622,410 22,205 SH   SOLE   22,205 0 0
CISCO SYS INC Common Stock 17275R102   8,286,219 174,410 SH   SOLE   174,410 0 0
Citigroup Inc Common Stock 172967424   5,354,628 84,378 SH   SOLE   84,378 0 0
CLOUDFLARE INC Common Stock 18915M107   248,490 3,000 SH   SOLE   3,000 0 0
CME GROUP INC Common Stock 12572Q105   6,217,278 31,624 SH   SOLE   31,624 0 0
COCA COLA CO Common Stock 191216100   1,219,216 19,155 SH   SOLE   19,155 0 0
COCA COLA CONS INC Common Stock 191098102   217,000 200 SH   SOLE   200 0 0
CONOCOPHILLIPS Common Stock 20825C104   692,113 6,051 SH   SOLE   6,051 0 0
CONSTELLATION BRANDS INC Common Stock 21036P108   332,920 1,294 SH   SOLE   1,294 0 0
COSTCO WHSL CORP NEW Common Stock 22160K105   232,047 273 SH   SOLE   273 0 0
CUMMINS INC Common Stock 231021106   307,115 1,109 SH   SOLE   1,109 0 0
CVS HEALTH CORP Common Stock 126650100   4,362,113 73,859 SH   SOLE   73,859 0 0
DANAHER CORPORATION Common Stock 235851102   1,442,134 5,772 SH   SOLE   5,772 0 0
DARDEN RESTAURANTS INC Common Stock 237194105   640,084 4,230 SH   SOLE   4,230 0 0
DEERE & CO Common Stock 244199105   405,762 1,086 SH   SOLE   1,086 0 0
Dell Technologies Inc Common Stock 24703L202   1,957,770 14,196 SH   SOLE   14,196 0 0
DIMENSIONAL ETF TRUST Fixed Income ETF 25434V872   455,445 10,964 SH   SOLE   10,964 0 0
DISNEY WALT CO Common Stock 254687106   821,923 8,278 SH   SOLE   8,278 0 0
DOMINION ENERGY INC Common Stock 25746U109   308,357 6,293 SH   SOLE   6,293 0 0
DOW INC Common Stock 260557103   231,457 4,363 SH   SOLE   4,363 0 0
DTE ENERGY CO Common Stock 233331107   270,198 2,434 SH   SOLE   2,434 0 0
DUKE ENERGY CORP NEW Common Stock 26441C204   5,278,413 52,663 SH   SOLE   52,663 0 0
DUPONT DE NEMOURS INC Common Stock 26614N102   208,791 2,594 SH   SOLE   2,594 0 0
EATON CORP PLC Int'l Common Stock G29183103   1,125,331 3,589 SH   SOLE   3,589 0 0
EBAY INC. Common Stock 278642103   234,380 4,363 SH   SOLE   4,363 0 0
ELEVANCE HEALTH INC Common Stock 036752103   594,962 1,098 SH   SOLE   1,098 0 0
ELI LILLY & CO Common Stock 532457108   447,258 494 SH   SOLE   494 0 0
EMERSON ELEC CO Common Stock 291011104   302,279 2,744 SH   SOLE   2,744 0 0
ENBRIDGE INC Int'l Common Stock 29250N105   269,238 7,565 SH   SOLE   7,565 0 0
EOG RES INC Common Stock 26875P101   3,312,898 26,320 SH   SOLE   26,320 0 0
EQT CORP Common Stock 26884L109   2,488,236 67,286 SH   SOLE   67,286 0 0
ESSENTIAL UTILS INC Common Stock 29670G102   441,763 11,834 SH   SOLE   11,834 0 0
EXXON MOBIL CORP Common Stock 30231G102   3,702,144 32,159 SH   SOLE   32,159 0 0
Farmers National Banc Corp Common Stock 309627107   4,955,307 396,742 SH   SOLE   387,708 9,034 0
Freeport-McMoRan Inc Common Stock 35671D857   212,528 4,373 SH   SOLE   4,373 0 0
GE Aerospace Common Stock 369604301   1,306,097 8,216 SH   SOLE   8,216 0 0
GE VERNOVA INC Common Stock 36828A101   319,866 1,865 SH   SOLE   1,865 0 0
GENERAL MLS INC Common Stock 370334104   1,633,879 25,828 SH   SOLE   25,828 0 0
GILEAD SCIENCES INC Common Stock 375558103   4,301,710 62,698 SH   SOLE   62,698 0 0
HERSHEY CO Common Stock 427866108   692,488 3,767 SH   SOLE   3,767 0 0
HOME DEPOT INC Common Stock 437076102   2,897,468 8,417 SH   SOLE   8,417 0 0
HONEYWELL INTL INC Common Stock 438516106   7,642,383 35,789 SH   SOLE   35,789 0 0
HP INC Common Stock 40434L105   751,354 21,455 SH   SOLE   21,455 0 0
HUBBELL INC Common Stock 443510607   730,960 2,000 SH   SOLE   2,000 0 0
HUNTINGTON BANCSHARES INC Common Stock 446150104   1,686,223 127,938 SH   SOLE   127,938 0 0
ILLINOIS TOOL WKS INC Common Stock 452308109   348,331 1,470 SH   SOLE   1,470 0 0
INTEL CORP Common Stock 458140100   782,891 25,279 SH   SOLE   25,279 0 0
INTERNATIONAL BUSINESS MACHS Common Stock 459200101   8,411,077 48,633 SH   SOLE   48,633 0 0
INVESCO EXCHANGE TRADED FD TR Exchange Traded Fund 46137V357   318,046 1,936 SH   SOLE   1,936 0 0
INVESCO QQQ TR Exchange Traded Fund 46090E103   5,216,070 10,887 SH   SOLE   10,887 0 0
ISHARES GOLD TR Exchange Traded Fund 464285204   344,675 7,846 SH   SOLE   7,846 0 0
ISHARES TR Exchange Traded Fund 464287200   1,944,855 3,554 SH   SOLE   3,554 0 0
ISHARES TR Exchange Traded Fund 464287234   1,519,058 35,667 SH   SOLE   35,667 0 0
ISHARES TR Exchange Traded Fund 464287465   2,775,937 35,439 SH   SOLE   35,439 0 0
ISHARES TR Exchange Traded Fund 464287507   3,487,792 59,600 SH   SOLE   59,600 0 0
ISHARES TR Exchange Traded Fund 464287598   518,176 2,970 SH   SOLE   2,970 0 0
ISHARES TR Exchange Traded Fund 464287804   3,616,841 33,910 SH   SOLE   33,910 0 0
ISHARES TR Exchange Traded Fund 464288752   289,739 2,867 SH   SOLE   2,867 0 0
ISHARES TR Fixed Income ETF 464287457   587,880 7,200 SH   SOLE   7,200 0 0
JOHNSON & JOHNSON Common Stock 478160104   10,163,236 69,535 SH   SOLE   69,535 0 0
JPMORGAN CHASE & CO Common Stock 46625H100   16,785,153 82,988 SH   SOLE   82,988 0 0
KENVUE INC Common Stock 49177J102   3,901,064 214,580 SH   SOLE   214,580 0 0
Kimberly-Clark Corp Common Stock 494368103   287,180 2,078 SH   SOLE   2,078 0 0
KINDER MORGAN INC DEL Common Stock 49456B101   5,231,453 263,284 SH   SOLE   263,284 0 0
KROGER CO Common Stock 501044101   327,940 6,568 SH   SOLE   6,568 0 0
LAM RESEARCH CORP Common Stock 512807108   338,622 318 SH   SOLE   318 0 0
LINDE PLC Int'l Common Stock G54950103   228,181 520 SH   SOLE   520 0 0
Lockheed Martin Corp Common Stock 539830109   4,379,997 9,377 SH   SOLE   9,377 0 0
LOWES COS INC Common Stock 548661107   318,785 1,446 SH   SOLE   1,446 0 0
MARATHON PETE CORP Common Stock 56585A102   688,369 3,968 SH   SOLE   3,968 0 0
MCDONALDS CORP Common Stock 580135101   6,978,029 27,382 SH   SOLE   27,382 0 0
MEDTRONIC PLC Int'l Common Stock G5960L103   5,042,241 64,061 SH   SOLE   64,061 0 0
Merck & Co Inc Common Stock 58933Y105   584,212 4,719 SH   SOLE   4,719 0 0
Meta Platforms Inc Common Stock 30303M102   680,193 1,349 SH   SOLE   1,349 0 0
METALLUS INC Common Stock 887399103   832,084 41,050 SH   SOLE   41,050 0 0
METLIFE INC Common Stock 59156R108   287,849 4,101 SH   SOLE   4,101 0 0
Microsoft Corp Common Stock 594918104   25,119,931 56,203 SH   SOLE   56,203 0 0
MICROVISION INC DEL Common Stock 594960304   165,148 155,800 SH   SOLE   155,800 0 0
MID-AMER APT CMNTYS INC Common Stock 59522J103   6,907,743 48,438 SH   SOLE   48,438 0 0
NEWMONT CORP Common Stock 651639106   7,247,195 173,088 SH   SOLE   173,088 0 0
NEXTERA ENERGY INC Common Stock 65339F101   7,376,348 104,171 SH   SOLE   104,171 0 0
Nike Inc Common Stock 654106103   1,256,192 16,667 SH   SOLE   16,667 0 0
NORDSON CORP Common Stock 655663102   417,492 1,800 SH   SOLE   1,800 0 0
NORFOLK SOUTHN CORP Common Stock 655844108   665,968 3,102 SH   SOLE   3,102 0 0
NUCOR CORP Common Stock 670346105   534,785 3,383 SH   SOLE   3,383 0 0
NVIDIA CORPORATION Common Stock 67066G104   1,024,147 8,290 SH   SOLE   8,290 0 0
ORACLE CORP Common Stock 68389X105   2,755,377 19,514 SH   SOLE   19,514 0 0
OTIS WORLDWIDE CORP Common Stock 68902V107   235,837 2,450 SH   SOLE   2,450 0 0
PARKER-HANNIFIN CORP Common Stock 701094104   2,753,630 5,444 SH   SOLE   5,444 0 0
PEPSICO INC Common Stock 713448108   9,524,378 57,748 SH   SOLE   57,748 0 0
PFIZER INC Common Stock 717081103   6,528,406 233,324 SH   SOLE   233,324 0 0
PHILIP MORRIS INTL INC Common Stock 718172109   4,346,044 42,890 SH   SOLE   42,890 0 0
PHILLIPS 66 Common Stock 718546104   231,942 1,643 SH   SOLE   1,643 0 0
PNC FINL SVCS GROUP INC Common Stock 693475105   1,509,400 9,708 SH   SOLE   9,708 0 0
PPG INDS INC Common Stock 693506107   1,976,095 15,697 SH   SOLE   15,697 0 0
PREMIER FINANCIAL CORP Common Stock 74052F108   238,011 11,633 SH   SOLE   11,633 0 0
PROCTER AND GAMBLE CO Common Stock 742718109   6,116,388 37,087 SH   SOLE   37,087 0 0
PROGRESSIVE CORP Common Stock 743315103   1,398,719 6,734 SH   SOLE   6,734 0 0
QUALCOMM INC Common Stock 747525103   586,187 2,943 SH   SOLE   2,943 0 0
QUANTA SVCS INC Common Stock 74762E102   278,229 1,095 SH   SOLE   1,095 0 0
RPM INTL INC Common Stock 749685103   247,556 2,299 SH   SOLE   2,299 0 0
RTX CORPORATION Common Stock 75513E101   462,196 4,604 SH   SOLE   4,604 0 0
SCHLUMBERGER LTD Common Stock 806857108   4,088,760 86,663 SH   SOLE   86,663 0 0
SCHWAB STRATEGIC TR Exchange Traded Fund 808524201   603,693 9,396 SH   SOLE   9,396 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y209   212,795 1,460 SH   SOLE   1,460 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y407   6,406,800 35,125 SH   SOLE   35,125 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y506   1,894,370 20,783 SH   SOLE   20,783 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y886   846,163 12,418 SH   SOLE   12,418 0 0
ServiceNow Inc Common Stock 81762P102   257,241 327 SH   SOLE   327 0 0
SHELL PLC Int'l Common Stock 780259305   448,238 6,210 SH   SOLE   6,210 0 0
SMUCKER J M CO Common Stock 832696405   1,070,991 9,822 SH   SOLE   9,822 0 0
SOLVENTUM CORP Common Stock 83444M101   3,117,752 58,959 SH   SOLE   58,959 0 0
SOUTHERN CO Common Stock 842587107   848,228 10,935 SH   SOLE   10,935 0 0
SPDR GOLD TR Exchange Traded Fund 78463V107   2,377,366 11,057 SH   SOLE   11,057 0 0
SPDR S&P 500 ETF TR Exchange Traded Fund 78462F103   44,812,163 82,342 SH   SOLE   82,342 0 0
SPDR SER TR Exchange Traded Fund 78464A698   225,565 4,594 SH   SOLE   4,594 0 0
STRYKER CORPORATION Common Stock 863667101   1,055,455 3,102 SH   SOLE   3,102 0 0
TARGET CORP Common Stock 87612E106   228,130 1,541 SH   SOLE   1,541 0 0
TE Connectivity Ltd Int'l Common Stock H84989104   3,687,791 24,515 SH   SOLE   24,515 0 0
TEXAS INSTRS INC Common Stock 882508104   292,962 1,506 SH   SOLE   1,506 0 0
TFS FINL CORP Common Stock 87240R107   252,400 20,000 SH   SOLE   20,000 0 0
THE CIGNA GROUP Common Stock 125523100   458,831 1,388 SH   SOLE   1,388 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102   201,292 364 SH   SOLE   364 0 0
TJX COS INC NEW Common Stock 872540109   6,562,070 59,601 SH   SOLE   59,601 0 0
TRANE TECHNOLOGIES PLC Int'l Common Stock G8994E103   595,034 1,809 SH   SOLE   1,809 0 0
TRAVELERS COMPANIES INC Common Stock 89417E109   302,163 1,486 SH   SOLE   1,486 0 0
TRUIST FINL CORP Common Stock 89832Q109   442,968 11,402 SH   SOLE   11,402 0 0
Twilio Inc Common Stock 90138F102   2,053,227 36,142 SH   SOLE   36,142 0 0
TYSON FOODS INC Common Stock 902494103   223,017 3,903 SH   SOLE   3,903 0 0
UBER TECHNOLOGIES INC Common Stock 90353T100   3,201,917 44,055 SH   SOLE   44,055 0 0
UNION PAC CORP Common Stock 907818108   2,750,190 12,155 SH   SOLE   12,155 0 0
United Parcel Service Inc Common Stock 911312106   364,158 2,661 SH   SOLE   2,661 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102   803,612 1,578 SH   SOLE   1,578 0 0
Valero Energy Corp Common Stock 91913Y100   444,101 2,833 SH   SOLE   2,833 0 0
VANECK ETF TRUST Exchange Traded Fund 92189F106   351,074 10,347 SH   SOLE   10,347 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908363   500,130 1,000 SH   SOLE   1,000 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908553   339,647 4,055 SH   SOLE   4,055 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908736   922,309 2,466 SH   SOLE   2,466 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908751   294,136 1,349 SH   SOLE   1,349 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908769   1,178,114 4,404 SH   SOLE   4,404 0 0
VANGUARD SPECIALIZED FUNDS Exchange Traded Fund 921908844   223,441 1,224 SH   SOLE   1,224 0 0
VENTAS INC Common Stock 92276F100   241,537 4,712 SH   SOLE   4,712 0 0
Verizon Communications Inc Common Stock 92343V104   6,423,501 155,759 SH   SOLE   155,759 0 0
VISA INC Common Stock 92826C839   6,724,219 25,619 SH   SOLE   25,619 0 0
WALMART INC Common Stock 931142103   11,125,701 164,314 SH   SOLE   164,314 0 0
WELLS FARGO CO NEW Common Stock 949746101   692,666 11,663 SH   SOLE   11,663 0 0
YUM BRANDS INC Common Stock 988498101   857,281 6,472 SH   SOLE   6,472 0 0