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   6,492,452 50,294 SH   SOLE   50,294 0 0
ABBOTT LABS Common Stock 002824100   2,799,586 24,751 SH   SOLE   24,751 0 0
ABBVIE INC Common Stock 00287Y109   5,210,342 29,321 SH   SOLE   29,321 0 0
ACCENTURE PLC IRELAND Int'l Common Stock G1151C101   3,807,775 10,824 SH   SOLE   10,824 0 0
ADOBE INC Common Stock 00724F101   5,073,354 11,409 SH   SOLE   11,409 0 0
AFLAC INC Common Stock 001055102   421,828 4,078 SH   SOLE   4,078 0 0
AIR PRODS & CHEMS INC Common Stock 009158106   220,140 759 SH   SOLE   759 0 0
AKAMAI TECHNOLOGIES INC Common Stock 00971T101   4,428,212 46,296 SH   SOLE   46,296 0 0
ALLSTATE CORP Common Stock 020002101   706,575 3,665 SH   SOLE   3,665 0 0
Alphabet Inc Common Stock 02079K107   617,597 3,243 SH   SOLE   3,243 0 0
Alphabet Inc Common Stock 02079K305   13,129,280 69,357 SH   SOLE   69,357 0 0
ALTRIA GROUP INC Common Stock 02209S103   449,903 8,604 SH   SOLE   8,604 0 0
AMAZON COM INC Common Stock 023135106   7,124,690 32,475 SH   SOLE   32,475 0 0
AMGEN INC Common Stock 031162100   545,259 2,092 SH   SOLE   2,092 0 0
ANALOG DEVICES INC Common Stock 032654105   721,727 3,397 SH   SOLE   3,397 0 0
APPLE INC Common Stock 037833100   28,525,092 113,909 SH   SOLE   113,909 0 0
APPLIED MATLS INC Common Stock 038222105   558,634 3,435 SH   SOLE   3,435 0 0
ASHLAND INC Common Stock 044186104   2,104,926 29,456 SH   SOLE   29,456 0 0
AT&T INC Common Stock 00206R102   6,524,493 286,539 SH   SOLE   286,539 0 0
Automatic Data Processing Inc Common Stock 053015103   530,134 1,811 SH   SOLE   1,811 0 0
AUTOZONE INC Common Stock 053332102   4,777,384 1,492 SH   SOLE   1,492 0 0
BANK AMERICA CORP Common Stock 060505104   706,760 16,081 SH   SOLE   16,081 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702   1,061,582 2,342 SH   SOLE   2,342 0 0
BIOGEN INC Common Stock 09062X103   1,964,869 12,849 SH   SOLE   12,849 0 0
BLACKROCK INC Common Stock 09290D101   234,750 229 SH   SOLE   229 0 0
BOEING CO Common Stock 097023105   210,630 1,190 SH   SOLE   1,190 0 0
Bristol-Myers Squibb Co Common Stock 110122108   452,819 8,006 SH   SOLE   8,006 0 0
BROADCOM INC Common Stock 11135F101   464,839 2,005 SH   SOLE   2,005 0 0
CARRIER GLOBAL CORPORATION Common Stock 14448C104   510,039 7,472 SH   SOLE   7,472 0 0
CATERPILLAR INC Common Stock 149123101   1,659,990 4,576 SH   SOLE   4,576 0 0
CBOE GLOBAL MKTS INC Common Stock 12503M108   5,878,804 30,086 SH   SOLE   30,086 0 0
CENCORA INC Common Stock 03073E105   1,850,015 8,234 SH   SOLE   8,234 0 0
CHENIERE ENERGY INC Common Stock 16411R208   6,671,928 31,051 SH   SOLE   31,051 0 0
CHEVRON CORP NEW Common Stock 166764100   1,371,924 9,472 SH   SOLE   9,472 0 0
CHUBB LIMITED Int'l Common Stock H1467J104   5,729,357 20,736 SH   SOLE   20,736 0 0
CINCINNATI FINL CORP Common Stock 172062101   3,183,530 22,154 SH   SOLE   22,154 0 0
CISCO SYS INC Common Stock 17275R102   10,288,605 173,794 SH   SOLE   173,794 0 0
Citigroup Inc Common Stock 172967424   5,786,832 82,211 SH   SOLE   82,211 0 0
CLOUDFLARE INC Common Stock 18915M107   323,040 3,000 SH   SOLE   3,000 0 0
CME GROUP INC Common Stock 12572Q105   7,230,249 31,134 SH   SOLE   31,134 0 0
COCA COLA CO Common Stock 191216100   1,157,538 18,592 SH   SOLE   18,592 0 0
COCA COLA CONS INC Common Stock 191098102   251,998 200 SH   SOLE   200 0 0
COMCAST CORP NEW Common Stock 20030N101   207,541 5,530 SH   SOLE   5,530 0 0
CONOCOPHILLIPS Common Stock 20825C104   608,011 6,131 SH   SOLE   6,131 0 0
CONSTELLATION BRANDS INC Common Stock 21036P108   284,206 1,286 SH   SOLE   1,286 0 0
CORNING INC Common Stock 219350105   211,702 4,455 SH   SOLE   4,455 0 0
COSTCO WHSL CORP NEW Common Stock 22160K105   374,754 409 SH   SOLE   409 0 0
CUMMINS INC Common Stock 231021106   387,992 1,113 SH   SOLE   1,113 0 0
CVS HEALTH CORP Common Stock 126650100   3,439,562 76,622 SH   SOLE   76,622 0 0
DANAHER CORPORATION Common Stock 235851102   1,324,504 5,770 SH   SOLE   5,770 0 0
DARDEN RESTAURANTS INC Common Stock 237194105   789,512 4,229 SH   SOLE   4,229 0 0
DEERE & CO Common Stock 244199105   442,343 1,044 SH   SOLE   1,044 0 0
Dell Technologies Inc Common Stock 24703L202   3,652,993 31,699 SH   SOLE   31,699 0 0
DIMENSIONAL ETF TRUST Fixed Income ETF 25434V872   371,430 9,000 SH   SOLE   9,000 0 0
DISNEY WALT CO Common Stock 254687106   944,582 8,483 SH   SOLE   8,483 0 0
DOMINION ENERGY INC Common Stock 25746U109   338,941 6,293 SH   SOLE   6,293 0 0
DTE ENERGY CO Common Stock 233331107   267,582 2,216 SH   SOLE   2,216 0 0
DUKE ENERGY CORP NEW Common Stock 26441C204   5,580,286 51,794 SH   SOLE   51,794 0 0
EATON CORP PLC Int'l Common Stock G29183103   1,123,048 3,384 SH   SOLE   3,384 0 0
EBAY INC. Common Stock 278642103   269,606 4,352 SH   SOLE   4,352 0 0
ELEVANCE HEALTH INC Common Stock 036752103   359,678 975 SH   SOLE   975 0 0
ELI LILLY & CO Common Stock 532457108   376,736 488 SH   SOLE   488 0 0
EMERSON ELEC CO Common Stock 291011104   351,465 2,836 SH   SOLE   2,836 0 0
ENBRIDGE INC Int'l Common Stock 29250N105   267,139 6,296 SH   SOLE   6,296 0 0
EOG RES INC Common Stock 26875P101   3,192,719 26,046 SH   SOLE   26,046 0 0
EQT CORP Common Stock 26884L109   3,140,644 68,112 SH   SOLE   68,112 0 0
ESSENTIAL UTILS INC Common Stock 29670G102   423,201 11,652 SH   SOLE   11,652 0 0
EXXON MOBIL CORP Common Stock 30231G102   3,466,336 32,224 SH   SOLE   32,224 0 0
Farmers National Banc Corp Common Stock 309627107   6,267,351 440,742 SH   SOLE   440,742 0 0
FirstEnergy Corp Common Stock 337932107   258,490 6,498 SH   SOLE   6,498 0 0
GE Aerospace Common Stock 369604301   1,315,139 7,885 SH   SOLE   7,885 0 0
GE VERNOVA INC Common Stock 36828A101   576,943 1,754 SH   SOLE   1,754 0 0
GENERAL MLS INC Common Stock 370334104   1,535,518 24,079 SH   SOLE   24,079 0 0
GILEAD SCIENCES INC Common Stock 375558103   5,867,989 63,527 SH   SOLE   63,527 0 0
HERSHEY CO Common Stock 427866108   662,667 3,913 SH   SOLE   3,913 0 0
HOME DEPOT INC Common Stock 437076102   3,318,085 8,530 SH   SOLE   8,530 0 0
HONEYWELL INTL INC Common Stock 438516106   7,814,439 34,594 SH   SOLE   34,594 0 0
HP INC Common Stock 40434L105   661,541 20,274 SH   SOLE   20,274 0 0
HUBBELL INC Common Stock 443510607   837,780 2,000 SH   SOLE   2,000 0 0
HUNTINGTON BANCSHARES INC Common Stock 446150104   1,905,054 117,090 SH   SOLE   117,090 0 0
ILLINOIS TOOL WKS INC Common Stock 452308109   341,545 1,347 SH   SOLE   1,347 0 0
INTEL CORP Common Stock 458140100   487,897 24,334 SH   SOLE   24,334 0 0
INTERNATIONAL BUSINESS MACHS Common Stock 459200101   10,168,017 46,254 SH   SOLE   46,254 0 0
INVESCO EXCH TRADED FD TR II Exchange Traded Fund 46138E354   217,000 3,100 SH   SOLE   3,100 0 0
INVESCO EXCHANGE TRADED FD TR Exchange Traded Fund 46137V357   1,434,082 8,184 SH   SOLE   8,184 0 0
INVESCO QQQ TR Exchange Traded Fund 46090E103   6,578,508 12,868 SH   SOLE   12,868 0 0
ISHARES GOLD TR Exchange Traded Fund 464285204   457,770 9,246 SH   SOLE   9,246 0 0
ISHARES TR Exchange Traded Fund 464287200   2,062,735 3,504 SH   SOLE   3,504 0 0
ISHARES TR Exchange Traded Fund 464287234   1,771,370 42,357 SH   SOLE   42,357 0 0
ISHARES TR Exchange Traded Fund 464287465   2,929,131 38,740 SH   SOLE   38,740 0 0
ISHARES TR Exchange Traded Fund 464287507   3,647,440 58,537 SH   SOLE   58,537 0 0
ISHARES TR Exchange Traded Fund 464287598   549,836 2,970 SH   SOLE   2,970 0 0
ISHARES TR Exchange Traded Fund 464287606   311,344 3,424 SH   SOLE   3,424 0 0
ISHARES TR Exchange Traded Fund 464287655   307,576 1,392 SH   SOLE   1,392 0 0
ISHARES TR Exchange Traded Fund 464287804   3,901,349 33,860 SH   SOLE   33,860 0 0
ISHARES TR Exchange Traded Fund 464288752   296,419 2,867 SH   SOLE   2,867 0 0
ISHARES TR Fixed Income ETF 464287457   1,377,592 16,804 SH   SOLE   16,804 0 0
ISHARES TR Fixed Income ETF 464288414   482,885 4,532 SH   SOLE   4,532 0 0
JOHNSON & JOHNSON Common Stock 478160104   7,806,443 53,979 SH   SOLE   53,979 0 0
JPMORGAN CHASE & CO Common Stock 46625H100   20,309,190 84,724 SH   SOLE   84,724 0 0
KENVUE INC Common Stock 49177J102   4,637,604 217,218 SH   SOLE   217,218 0 0
Kimberly-Clark Corp Common Stock 494368103   2,832,561 21,616 SH   SOLE   21,616 0 0
KINDER MORGAN INC DEL Common Stock 49456B101   6,698,505 244,471 SH   SOLE   244,471 0 0
KROGER CO Common Stock 501044101   398,209 6,512 SH   SOLE   6,512 0 0
LAM RESEARCH CORP Common Stock 512807306   211,634 2,930 SH   SOLE   2,930 0 0
LINDE PLC Int'l Common Stock G54950103   217,708 520 SH   SOLE   520 0 0
Lockheed Martin Corp Common Stock 539830109   4,370,544 8,994 SH   SOLE   8,994 0 0
LOWES COS INC Common Stock 548661107   357,366 1,448 SH   SOLE   1,448 0 0
MARATHON PETE CORP Common Stock 56585A102   553,536 3,968 SH   SOLE   3,968 0 0
MCDONALDS CORP Common Stock 580135101   7,850,221 27,080 SH   SOLE   27,080 0 0
MEDTRONIC PLC Int'l Common Stock G5960L103   5,216,963 65,310 SH   SOLE   65,310 0 0
Merck & Co Inc Common Stock 58933Y105   468,551 4,710 SH   SOLE   4,710 0 0
Meta Platforms Inc Common Stock 30303M102   837,279 1,430 SH   SOLE   1,430 0 0
METALLUS INC Common Stock 887399103   615,362 43,550 SH   SOLE   43,550 0 0
METLIFE INC Common Stock 59156R108   329,813 4,028 SH   SOLE   4,028 0 0
Microsoft Corp Common Stock 594918104   24,024,657 56,998 SH   SOLE   56,998 0 0
MICROVISION INC DEL Common Stock 594960304   204,098 155,800 SH   SOLE   155,800 0 0
MID-AMER APT CMNTYS INC Common Stock 59522J103   6,186,664 40,025 SH   SOLE   40,025 0 0
MOTOROLA SOLUTIONS INC Common Stock 620076307   214,937 465 SH   SOLE   465 0 0
Netflix Inc Common Stock 64110L106   202,330 227 SH   SOLE   227 0 0
NEWMONT CORP Common Stock 651639106   4,228,453 113,607 SH   SOLE   113,607 0 0
NEXTERA ENERGY INC Common Stock 65339F101   6,997,016 97,601 SH   SOLE   97,601 0 0
Nike Inc Common Stock 654106103   1,261,041 16,665 SH   SOLE   16,665 0 0
NORDSON CORP Common Stock 655663102   376,632 1,800 SH   SOLE   1,800 0 0
NORFOLK SOUTHN CORP Common Stock 655844108   732,499 3,121 SH   SOLE   3,121 0 0
NUCOR CORP Common Stock 670346105   390,395 3,345 SH   SOLE   3,345 0 0
NVIDIA CORPORATION Common Stock 67066G104   861,605 6,416 SH   SOLE   6,416 0 0
ORACLE CORP Common Stock 68389X105   4,075,348 24,456 SH   SOLE   24,456 0 0
OTIS WORLDWIDE CORP Common Stock 68902V107   226,894 2,450 SH   SOLE   2,450 0 0
PALANTIR TECHNOLOGIES INC Common Stock 69608A108   6,201,736 82,001 SH   SOLE   82,001 0 0
PARKER-HANNIFIN CORP Common Stock 701094104   3,363,963 5,289 SH   SOLE   5,289 0 0
PEPSICO INC Common Stock 713448108   7,785,016 51,197 SH   SOLE   51,197 0 0
PFIZER INC Common Stock 717081103   5,997,053 226,048 SH   SOLE   226,048 0 0
PHILIP MORRIS INTL INC Common Stock 718172109   5,224,634 43,412 SH   SOLE   43,412 0 0
PNC FINL SVCS GROUP INC Common Stock 693475105   1,767,085 9,163 SH   SOLE   9,163 0 0
PPG INDS INC Common Stock 693506107   1,869,034 15,647 SH   SOLE   15,647 0 0
PREMIER FINANCIAL CORP Common Stock 74052F108   294,541 11,519 SH   SOLE   11,519 0 0
PROCTER AND GAMBLE CO Common Stock 742718109   6,186,117 36,899 SH   SOLE   36,899 0 0
PROGRESSIVE CORP Common Stock 743315103   1,586,458 6,621 SH   SOLE   6,621 0 0
QUALCOMM INC Common Stock 747525103   481,752 3,136 SH   SOLE   3,136 0 0
QUANTA SVCS INC Common Stock 74762E102   372,939 1,180 SH   SOLE   1,180 0 0
RPM INTL INC Common Stock 749685103   282,915 2,299 SH   SOLE   2,299 0 0
RTX CORPORATION Common Stock 75513E101   530,923 4,588 SH   SOLE   4,588 0 0
SCHLUMBERGER LTD Common Stock 806857108   2,458,668 64,128 SH   SOLE   64,128 0 0
SCHWAB STRATEGIC TR Exchange Traded Fund 808524201   884,271 38,148 SH   SOLE   38,148 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y209   475,167 3,454 SH   SOLE   3,454 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y407   7,683,314 34,247 SH   SOLE   34,247 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y506   1,984,914 23,172 SH   SOLE   23,172 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y886   1,171,454 15,477 SH   SOLE   15,477 0 0
ServiceNow Inc Common Stock 81762P102   214,144 202 SH   SOLE   202 0 0
SHELL PLC Int'l Common Stock 780259305   406,285 6,485 SH   SOLE   6,485 0 0
SMUCKER J M CO Common Stock 832696405   1,072,238 9,737 SH   SOLE   9,737 0 0
SOLVENTUM CORP Common Stock 83444M101   5,372,925 81,334 SH   SOLE   81,334 0 0
SOUTHERN CO Common Stock 842587107   3,982,889 48,383 SH   SOLE   48,383 0 0
SPDR GOLD TR Exchange Traded Fund 78463V107   2,413,552 9,968 SH   SOLE   9,968 0 0
SPDR S&P 500 ETF TR Exchange Traded Fund 78462F103   44,983,984 76,754 SH   SOLE   76,754 0 0
SPDR SER TR Exchange Traded Fund 78464A698   240,736 3,989 SH   SOLE   3,989 0 0
STRYKER CORPORATION Common Stock 863667101   1,177,724 3,271 SH   SOLE   3,271 0 0
TARGET CORP Common Stock 87612E106   270,360 2,000 SH   SOLE   2,000 0 0
TE CONNECTIVITY PLC Int'l Common Stock G87052109   361,285 2,527 SH   SOLE   2,527 0 0
TESLA INC Common Stock 88160R101   455,128 1,127 SH   SOLE   1,127 0 0
TEXAS INSTRS INC Common Stock 882508104   322,142 1,718 SH   SOLE   1,718 0 0
TFS FINL CORP Common Stock 87240R107   251,200 20,000 SH   SOLE   20,000 0 0
THE CIGNA GROUP Common Stock 125523100   376,931 1,365 SH   SOLE   1,365 0 0
THERMO FISHER SCIENTIFIC INC Common Stock 883556102   310,057 596 SH   SOLE   596 0 0
TJX COS INC NEW Common Stock 872540109   5,156,654 42,684 SH   SOLE   42,684 0 0
TRANE TECHNOLOGIES PLC Int'l Common Stock G8994E103   646,363 1,750 SH   SOLE   1,750 0 0
TRAVELERS COMPANIES INC Common Stock 89417E109   357,481 1,484 SH   SOLE   1,484 0 0
TRUIST FINL CORP Common Stock 89832Q109   253,079 5,834 SH   SOLE   5,834 0 0
Twilio Inc Common Stock 90138F102   5,912,408 54,704 SH   SOLE   54,704 0 0
UBER TECHNOLOGIES INC Common Stock 90353T100   2,733,883 45,323 SH   SOLE   45,323 0 0
UNION PAC CORP Common Stock 907818108   2,209,252 9,688 SH   SOLE   9,688 0 0
United Parcel Service Inc Common Stock 911312106   356,233 2,825 SH   SOLE   2,825 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102   760,813 1,504 SH   SOLE   1,504 0 0
Valero Energy Corp Common Stock 91913Y100   341,168 2,783 SH   SOLE   2,783 0 0
VANECK ETF TRUST Exchange Traded Fund 92189F106   309,157 9,117 SH   SOLE   9,117 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908363   813,064 1,509 SH   SOLE   1,509 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908553   621,689 6,979 SH   SOLE   6,979 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908736   1,012,145 2,466 SH   SOLE   2,466 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908751   308,520 1,284 SH   SOLE   1,284 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908769   1,276,323 4,404 SH   SOLE   4,404 0 0
VANGUARD MALVERN FDS Fixed Income ETF 922020748   600,264 7,918 SH   SOLE   7,918 0 0
VANGUARD SPECIALIZED FUNDS Exchange Traded Fund 921908844   239,696 1,224 SH   SOLE   1,224 0 0
VENTAS INC Common Stock 92276F100   255,700 4,342 SH   SOLE   4,342 0 0
Verizon Communications Inc Common Stock 92343V104   5,105,803 127,677 SH   SOLE   127,677 0 0
VISA INC Common Stock 92826C839   7,979,062 25,247 SH   SOLE   25,247 0 0
WALMART INC Common Stock 931142103   12,076,904 133,668 SH   SOLE   133,668 0 0
WELLS FARGO CO NEW Common Stock 949746101   829,745 11,813 SH   SOLE   11,813 0 0
YUM BRANDS INC Common Stock 988498101   824,682 6,147 SH   SOLE   6,147 0 0