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   6,918,934 50,614 SH   SOLE   50,614 0 0
ABBOTT LABS Common Stock 002824100   2,825,282 24,781 SH   SOLE   24,781 0 0
ABBVIE INC Common Stock 00287Y109   5,811,244 29,427 SH   SOLE   29,427 0 0
ACCENTURE PLC IRELAND Int'l Common Stock G1151C101   3,870,606 10,950 SH   SOLE   10,950 0 0
ADOBE INC Common Stock 00724F101   5,978,806 11,547 SH   SOLE   11,547 0 0
AFLAC INC Common Stock 001055102   460,616 4,120 SH   SOLE   4,120 0 0
AIR PRODS & CHEMS INC Common Stock 009158106   233,726 785 SH   SOLE   785 0 0
AKAMAI TECHNOLOGIES INC Common Stock 00971T101   4,691,752 46,476 SH   SOLE   46,476 0 0
ALLSTATE CORP Common Stock 020002101   735,083 3,876 SH   SOLE   3,876 0 0
Alphabet Inc Common Stock 02079K107   480,170 2,872 SH   SOLE   2,872 0 0
Alphabet Inc Common Stock 02079K305   11,690,269 70,487 SH   SOLE   70,487 0 0
ALTRIA GROUP INC Common Stock 02209S103   445,579 8,730 SH   SOLE   8,730 0 0
AMAZON COM INC Common Stock 023135106   6,431,366 34,516 SH   SOLE   34,516 0 0
AMGEN INC Common Stock 031162100   684,374 2,124 SH   SOLE   2,124 0 0
ANALOG DEVICES INC Common Stock 032654105   781,887 3,397 SH   SOLE   3,397 0 0
APPLE INC Common Stock 037833100   26,611,163 114,211 SH   SOLE   114,211 0 0
APPLIED MATLS INC Common Stock 038222105   694,042 3,435 SH   SOLE   3,435 0 0
AT&T INC Common Stock 00206R102   6,367,548 289,434 SH   SOLE   289,434 0 0
Automatic Data Processing Inc Common Stock 053015103   512,504 1,852 SH   SOLE   1,852 0 0
AUTOZONE INC Common Stock 053332102   4,788,061 1,520 SH   SOLE   1,520 0 0
BANK AMERICA CORP Common Stock 060505104   644,602 16,245 SH   SOLE   16,245 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702   1,077,929 2,342 SH   SOLE   2,342 0 0
BLACKROCK INC Common Stock 09247X101   267,762 282 SH   SOLE   282 0 0
BOEING CO Common Stock 097023105   215,441 1,417 SH   SOLE   1,417 0 0
Bristol-Myers Squibb Co Common Stock 110122108   458,106 8,854 SH   SOLE   8,854 0 0
BROADCOM INC Common Stock 11135F101   431,250 2,500 SH   SOLE   2,500 0 0
CARRIER GLOBAL CORPORATION Common Stock 14448C104   603,353 7,496 SH   SOLE   7,496 0 0
CATERPILLAR INC Common Stock 149123101   1,813,232 4,636 SH   SOLE   4,636 0 0
CBOE GLOBAL MKTS INC Common Stock 12503M108   6,316,962 30,834 SH   SOLE   30,834 0 0
CENCORA INC Common Stock 03073E105   1,888,871 8,392 SH   SOLE   8,392 0 0
CHENIERE ENERGY INC Common Stock 16411R208   5,985,795 33,284 SH   SOLE   33,284 0 0
CHEVRON CORP NEW Common Stock 166764100   1,429,108 9,704 SH   SOLE   9,704 0 0
CHUBB LIMITED Int'l Common Stock H1467J104   6,132,902 21,266 SH   SOLE   21,266 0 0
CINCINNATI FINL CORP Common Stock 172062101   3,019,006 22,179 SH   SOLE   22,179 0 0
CISCO SYS INC Common Stock 17275R102   9,427,763 177,147 SH   SOLE   177,147 0 0
Citigroup Inc Common Stock 172967424   5,303,222 84,716 SH   SOLE   84,716 0 0
CLOUDFLARE INC Common Stock 18915M107   242,670 3,000 SH   SOLE   3,000 0 0
CME GROUP INC Common Stock 12572Q105   6,955,550 31,523 SH   SOLE   31,523 0 0
COCA COLA CO Common Stock 191216100   1,356,142 18,872 SH   SOLE   18,872 0 0
COCA COLA CONS INC Common Stock 191098102   263,280 200 SH   SOLE   200 0 0
COMCAST CORP NEW Common Stock 20030N101   227,688 5,451 SH   SOLE   5,451 0 0
CONOCOPHILLIPS Common Stock 20825C104   637,049 6,051 SH   SOLE   6,051 0 0
CONSTELLATION BRANDS INC Common Stock 21036P108   331,389 1,286 SH   SOLE   1,286 0 0
CONSTELLATION ENERGY CORP Common Stock 21037T109   208,796 803 SH   SOLE   803 0 0
CORNING INC Common Stock 219350105   205,433 4,550 SH   SOLE   4,550 0 0
COSTCO WHSL CORP NEW Common Stock 22160K105   218,084 246 SH   SOLE   246 0 0
CUMMINS INC Common Stock 231021106   359,083 1,109 SH   SOLE   1,109 0 0
CVS HEALTH CORP Common Stock 126650100   4,998,520 79,493 SH   SOLE   79,493 0 0
DANAHER CORPORATION Common Stock 235851102   1,604,731 5,772 SH   SOLE   5,772 0 0
DARDEN RESTAURANTS INC Common Stock 237194105   694,270 4,230 SH   SOLE   4,230 0 0
DEERE & CO Common Stock 244199105   444,456 1,065 SH   SOLE   1,065 0 0
Dell Technologies Inc Common Stock 24703L202   3,728,794 31,456 SH   SOLE   31,456 0 0
DIMENSIONAL ETF TRUST Fixed Income ETF 25434V872   388,710 9,000 SH   SOLE   9,000 0 0
DISNEY WALT CO Common Stock 254687106   807,130 8,391 SH   SOLE   8,391 0 0
DOMINION ENERGY INC Common Stock 25746U109   368,007 6,368 SH   SOLE   6,368 0 0
DOW INC Common Stock 260557103   243,377 4,455 SH   SOLE   4,455 0 0
DTE ENERGY CO Common Stock 233331107   296,499 2,309 SH   SOLE   2,309 0 0
DUKE ENERGY CORP NEW Common Stock 26441C204   6,072,620 52,668 SH   SOLE   52,668 0 0
DUPONT DE NEMOURS INC Common Stock 26614N102   226,518 2,542 SH   SOLE   2,542 0 0
EATON CORP PLC Int'l Common Stock G29183103   1,156,394 3,489 SH   SOLE   3,489 0 0
EBAY INC. Common Stock 278642103   284,075 4,363 SH   SOLE   4,363 0 0
ELEVANCE HEALTH INC Common Stock 036752103   562,640 1,082 SH   SOLE   1,082 0 0
ELI LILLY & CO Common Stock 532457108   437,654 494 SH   SOLE   494 0 0
EMERSON ELEC CO Common Stock 291011104   334,782 3,061 SH   SOLE   3,061 0 0
ENBRIDGE INC Int'l Common Stock 29250N105   286,910 7,065 SH   SOLE   7,065 0 0
EOG RES INC Common Stock 26875P101   3,256,907 26,494 SH   SOLE   26,494 0 0
EQT CORP Common Stock 26884L109   2,566,669 70,051 SH   SOLE   70,051 0 0
ESSENTIAL UTILS INC Common Stock 29670G102   461,683 11,970 SH   SOLE   11,970 0 0
EXXON MOBIL CORP Common Stock 30231G102   3,770,850 32,169 SH   SOLE   32,169 0 0
Farmers National Banc Corp Common Stock 309627107   6,297,782 416,520 SH   SOLE   416,520 0 0
FirstEnergy Corp Common Stock 337932107   272,619 6,147 SH   SOLE   6,147 0 0
GE Aerospace Common Stock 369604301   1,538,436 8,158 SH   SOLE   8,158 0 0
GE HEALTHCARE TECHNOLOGIES INC Common Stock 36266G107   221,392 2,359 SH   SOLE   2,359 0 0
GE VERNOVA INC Common Stock 36828A101   462,789 1,815 SH   SOLE   1,815 0 0
GENERAL MLS INC Common Stock 370334104   1,830,889 24,792 SH   SOLE   24,792 0 0
GILEAD SCIENCES INC Common Stock 375558103   5,449,935 65,004 SH   SOLE   65,004 0 0
GSK PLC Int'l Common Stock 37733W204   202,765 4,960 SH   SOLE   4,960 0 0
HERSHEY CO Common Stock 427866108   721,668 3,763 SH   SOLE   3,763 0 0
HOME DEPOT INC Common Stock 437076102   3,432,044 8,470 SH   SOLE   8,470 0 0
HONEYWELL INTL INC Common Stock 438516106   7,390,916 35,755 SH   SOLE   35,755 0 0
HP INC Common Stock 40434L105   734,869 20,487 SH   SOLE   20,487 0 0
HUBBELL INC Common Stock 443510607   856,700 2,000 SH   SOLE   2,000 0 0
HUNTINGTON BANCSHARES INC Common Stock 446150104   1,808,115 123,001 SH   SOLE   123,001 0 0
ILLINOIS TOOL WKS INC Common Stock 452308109   359,560 1,372 SH   SOLE   1,372 0 0
INTEL CORP Common Stock 458140100   570,876 24,334 SH   SOLE   24,334 0 0
INTERNATIONAL BUSINESS MACHS Common Stock 459200101   10,605,208 47,970 SH   SOLE   47,970 0 0
INVESCO EXCHANGE TRADED FD TR Exchange Traded Fund 46137V357   1,076,214 6,007 SH   SOLE   6,007 0 0
INVESCO QQQ TR Exchange Traded Fund 46090E103   6,639,704 13,604 SH   SOLE   13,604 0 0
ISHARES GOLD TR Exchange Traded Fund 464285204   459,526 9,246 SH   SOLE   9,246 0 0
ISHARES TR Exchange Traded Fund 464287200   2,028,099 3,516 SH   SOLE   3,516 0 0
ISHARES TR Exchange Traded Fund 464287234   1,638,670 35,732 SH   SOLE   35,732 0 0
ISHARES TR Exchange Traded Fund 464287465   3,001,481 35,890 SH   SOLE   35,890 0 0
ISHARES TR Exchange Traded Fund 464287507   3,671,707 58,917 SH   SOLE   58,917 0 0
ISHARES TR Exchange Traded Fund 464287598   563,706 2,970 SH   SOLE   2,970 0 0
ISHARES TR Exchange Traded Fund 464287606   314,768 3,424 SH   SOLE   3,424 0 0
ISHARES TR Exchange Traded Fund 464287804   3,958,394 33,844 SH   SOLE   33,844 0 0
ISHARES TR Exchange Traded Fund 464288752   364,396 2,867 SH   SOLE   2,867 0 0
ISHARES TR Fixed Income ETF 464287457   598,680 7,200 SH   SOLE   7,200 0 0
JOHNSON & JOHNSON Common Stock 478160104   9,942,867 61,353 SH   SOLE   61,353 0 0
JPMORGAN CHASE & CO Common Stock 46625H100   18,157,366 86,111 SH   SOLE   86,111 0 0
KENVUE INC Common Stock 49177J102   4,937,122 213,451 SH   SOLE   213,451 0 0
Kimberly-Clark Corp Common Stock 494368103   2,998,836 21,077 SH   SOLE   21,077 0 0
KINDER MORGAN INC DEL Common Stock 49456B101   5,781,086 261,706 SH   SOLE   261,706 0 0
KROGER CO Common Stock 501044101   373,138 6,512 SH   SOLE   6,512 0 0
LAM RESEARCH CORP Common Stock 512807108   259,513 318 SH   SOLE   318 0 0
LINDE PLC Int'l Common Stock G54950103   247,967 520 SH   SOLE   520 0 0
Lockheed Martin Corp Common Stock 539830109   5,444,592 9,314 SH   SOLE   9,314 0 0
LOWES COS INC Common Stock 548661107   392,462 1,449 SH   SOLE   1,449 0 0
MARATHON PETE CORP Common Stock 56585A102   646,427 3,968 SH   SOLE   3,968 0 0
MCDONALDS CORP Common Stock 580135101   8,270,796 27,161 SH   SOLE   27,161 0 0
MEDTRONIC PLC Int'l Common Stock G5960L103   5,846,998 64,945 SH   SOLE   64,945 0 0
Merck & Co Inc Common Stock 58933Y105   534,981 4,711 SH   SOLE   4,711 0 0
Meta Platforms Inc Common Stock 30303M102   817,444 1,428 SH   SOLE   1,428 0 0
METALLUS INC Common Stock 887399103   608,772 41,050 SH   SOLE   41,050 0 0
METLIFE INC Common Stock 59156R108   332,889 4,036 SH   SOLE   4,036 0 0
Microsoft Corp Common Stock 594918104   24,357,992 56,607 SH   SOLE   56,607 0 0
MICROVISION INC DEL Common Stock 594960304   177,612 155,800 SH   SOLE   155,800 0 0
MID-AMER APT CMNTYS INC Common Stock 59522J103   6,420,196 40,404 SH   SOLE   40,404 0 0
MOTOROLA SOLUTIONS INC Common Stock 620076307   210,427 468 SH   SOLE   468 0 0
NEWMONT CORP Common Stock 651639106   9,008,410 168,539 SH   SOLE   168,539 0 0
NEXTERA ENERGY INC Common Stock 65339F101   8,496,956 100,520 SH   SOLE   100,520 0 0
Nike Inc Common Stock 654106103   1,473,186 16,665 SH   SOLE   16,665 0 0
NORDSON CORP Common Stock 655663102   472,734 1,800 SH   SOLE   1,800 0 0
NORFOLK SOUTHN CORP Common Stock 655844108   780,290 3,140 SH   SOLE   3,140 0 0
NORTHROP GRUMMAN CORP Common Stock 666807102   203,835 386 SH   SOLE   386 0 0
NUCOR CORP Common Stock 670346105   513,862 3,418 SH   SOLE   3,418 0 0
NVIDIA CORPORATION Common Stock 67066G104   865,260 7,125 SH   SOLE   7,125 0 0
ORACLE CORP Common Stock 68389X105   3,316,666 19,464 SH   SOLE   19,464 0 0
OTIS WORLDWIDE CORP Common Stock 68902V107   256,004 2,463 SH   SOLE   2,463 0 0
PALANTIR TECHNOLOGIES INC Common Stock 69608A108   3,544,937 95,294 SH   SOLE   95,294 0 0
PARKER-HANNIFIN CORP Common Stock 701094104   3,410,564 5,398 SH   SOLE   5,398 0 0
PEPSICO INC Common Stock 713448108   8,652,484 50,882 SH   SOLE   50,882 0 0
PFIZER INC Common Stock 717081103   6,621,241 228,792 SH   SOLE   228,792 0 0
PHILIP MORRIS INTL INC Common Stock 718172109   5,290,248 43,577 SH   SOLE   43,577 0 0
PHILLIPS 66 Common Stock 718546104   215,972 1,643 SH   SOLE   1,643 0 0
PNC FINL SVCS GROUP INC Common Stock 693475105   1,724,835 9,331 SH   SOLE   9,331 0 0
PPG INDS INC Common Stock 693506107   2,072,602 15,647 SH   SOLE   15,647 0 0
PREMIER FINANCIAL CORP Common Stock 74052F108   270,466 11,519 SH   SOLE   11,519 0 0
PROCTER AND GAMBLE CO Common Stock 742718109   6,404,070 36,975 SH   SOLE   36,975 0 0
PROGRESSIVE CORP Common Stock 743315103   1,680,145 6,621 SH   SOLE   6,621 0 0
QUALCOMM INC Common Stock 747525103   499,097 2,935 SH   SOLE   2,935 0 0
QUANTA SVCS INC Common Stock 74762E102   411,447 1,380 SH   SOLE   1,380 0 0
RPM INTL INC Common Stock 749685103   278,179 2,299 SH   SOLE   2,299 0 0
RTX CORPORATION Common Stock 75513E101   560,728 4,628 SH   SOLE   4,628 0 0
SCHLUMBERGER LTD Common Stock 806857108   2,662,231 63,462 SH   SOLE   63,462 0 0
SCHWAB STRATEGIC TR Exchange Traded Fund 808524201   637,519 9,396 SH   SOLE   9,396 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y209   204,847 1,330 SH   SOLE   1,330 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y407   6,957,648 34,724 SH   SOLE   34,724 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y506   2,042,843 23,267 SH   SOLE   23,267 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y886   1,288,683 15,953 SH   SOLE   15,953 0 0
ServiceNow Inc Common Stock 81762P102   219,126 245 SH   SOLE   245 0 0
SHELL PLC Int'l Common Stock 780259305   427,686 6,485 SH   SOLE   6,485 0 0
SMUCKER J M CO Common Stock 832696405   1,207,609 9,972 SH   SOLE   9,972 0 0
SOLVENTUM CORP Common Stock 83444M101   5,689,013 81,598 SH   SOLE   81,598 0 0
SOUTHERN CO Common Stock 842587107   3,316,640 36,778 SH   SOLE   36,778 0 0
SPDR GOLD TR Exchange Traded Fund 78463V107   2,448,343 10,073 SH   SOLE   10,073 0 0
SPDR S&P 500 ETF TR Exchange Traded Fund 78462F103   45,442,366 79,201 SH   SOLE   79,201 0 0
SPDR SER TR Exchange Traded Fund 78464A698   225,777 3,989 SH   SOLE   3,989 0 0
STRYKER CORPORATION Common Stock 863667101   1,217,085 3,369 SH   SOLE   3,369 0 0
TARGET CORP Common Stock 87612E106   331,670 2,128 SH   SOLE   2,128 0 0
TE CONNECTIVITY PLC Int'l Common Stock G87052109   454,567 3,006 SH   SOLE   3,006 0 0
TESLA INC Common Stock 88160R101   294,857 1,127 SH   SOLE   1,127 0 0
TEXAS INSTRS INC Common Stock 882508104   300,766 1,456 SH   SOLE   1,456 0 0
TFS FINL CORP Common Stock 87240R107   257,200 20,000 SH   SOLE   20,000 0 0
THE CIGNA GROUP Common Stock 125523100   472,891 1,365 SH   SOLE   1,365 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102   384,751 622 SH   SOLE   622 0 0
TJX COS INC NEW Common Stock 872540109   5,278,604 44,909 SH   SOLE   44,909 0 0
TRANE TECHNOLOGIES PLC Int'l Common Stock G8994E103   680,278 1,750 SH   SOLE   1,750 0 0
TRAVELERS COMPANIES INC Common Stock 89417E109   346,732 1,481 SH   SOLE   1,481 0 0
TRUIST FINL CORP Common Stock 89832Q109   273,044 6,384 SH   SOLE   6,384 0 0
Twilio Inc Common Stock 90138F102   3,726,866 57,143 SH   SOLE   57,143 0 0
UBER TECHNOLOGIES INC Common Stock 90353T100   3,346,424 44,524 SH   SOLE   44,524 0 0
UNION PAC CORP Common Stock 907818108   3,209,416 13,021 SH   SOLE   13,021 0 0
United Parcel Service Inc Common Stock 911312106   413,928 3,036 SH   SOLE   3,036 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102   907,423 1,552 SH   SOLE   1,552 0 0
Valero Energy Corp Common Stock 91913Y100   382,540 2,833 SH   SOLE   2,833 0 0
VANECK ETF TRUST Exchange Traded Fund 92189F106   407,000 10,221 SH   SOLE   10,221 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908363   527,670 1,000 SH   SOLE   1,000 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908553   512,819 5,264 SH   SOLE   5,264 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908736   1,005,513 2,619 SH   SOLE   2,619 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908751   304,578 1,284 SH   SOLE   1,284 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908769   1,247,037 4,404 SH   SOLE   4,404 0 0
VANGUARD SPECIALIZED FUNDS Exchange Traded Fund 921908844   242,425 1,224 SH   SOLE   1,224 0 0
VENTAS INC Common Stock 92276F100   297,884 4,645 SH   SOLE   4,645 0 0
VERALTO CORP Common Stock 92338C103   201,348 1,800 SH   SOLE   1,800 0 0
Verizon Communications Inc Common Stock 92343V104   5,735,366 127,708 SH   SOLE   127,708 0 0
VISA INC Common Stock 92826C839   7,086,286 25,773 SH   SOLE   25,773 0 0
WALMART INC Common Stock 931142103   11,099,653 137,457 SH   SOLE   137,457 0 0
WASTE MGMT INC DEL Common Stock 94106L109   212,998 1,026 SH   SOLE   1,026 0 0
WELLS FARGO CO NEW Common Stock 949746101   675,790 11,963 SH   SOLE   11,963 0 0
YUM BRANDS INC Common Stock 988498101   853,768 6,111 SH   SOLE   6,111 0 0