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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 4,470 3,337 SH   SOLE   0 0 3,337
APPLE INC COM 037833100 8,140 27,720 SH   SOLE   0 0 27,720
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 435 1,919 SH   SOLE   0 0 1,919
CVS HEALTH CORP COM 126650100 3,932 52,925 SH   SOLE   0 0 52,925
CANADIAN NATL RY CO COM 136375102 4,889 54,055 SH   SOLE   0 0 54,055
CAPITAL ONE FINL CORP COM 14040H105 4,628 44,970 SH   SOLE   0 0 44,970
CATERPILLAR INC DEL COM 149123101 5,038 34,116 SH   SOLE   0 0 34,116
COCA COLA CO COM 191216100 5,102 92,173 SH   SOLE   0 0 92,173
CUMMINS INC COM 231021106 4,745 26,515 SH   SOLE   0 0 26,515
DIAGEO P L C SPON ADR NEW 25243Q205 5,009 29,742 SH   SOLE   0 0 29,742
DISNEY WALT CO COM DISNEY 254687106 5,736 39,657 SH   SOLE   0 0 39,657
DONEGAL GROUP INC CL A 257701201 258 17,376 SH   SOLE   0 0 17,376
EXXON MOBIL CORP COM 30231G102 442 6,333 SH   SOLE   0 0 6,333
FIFTH THIRD BANCORP COM 316773100 311 10,117 SH   SOLE   0 0 10,117
FULTON FINL CORP PA COM 360271100 496 28,444 SH   SOLE   0 0 28,444
GOLDMAN SACHS GROUP INC COM 38141G104 4,324 18,806 SH   SOLE   0 0 18,806
INTEL CORP COM 458140100 6,114 102,152 SH   SOLE   0 0 102,152
ISHARES TR CORE S&P500 ETF 464287200 991 3,066 SH   SOLE   0 0 3,066
ISHARES TR CORE US AGGBD ET 464287226 1,287 11,452 SH   SOLE   0 0 11,452
ISHARES TR MSCI ACWI ETF 464288257 4,441 56,033 SH   SOLE   0 0 56,033
ISHARES TR CALIF MUN BD ETF 464288356 200 3,272 SH   SOLE   0 0 3,272
ISHARES TR NATIONAL MUN ETF 464288414 392 3,444 SH   SOLE   0 0 3,444
JOHNSON & JOHNSON COM 478160104 4,847 33,230 SH   SOLE   0 0 33,230
MASTERCARD INC CL A 57636Q104 471 1,578 SH   SOLE   0 0 1,578
MCDONALDS CORP COM 580135101 5,865 29,681 SH   SOLE   0 0 29,681
NOVO-NORDISK A S ADR 670100205 4,593 79,349 SH   SOLE   0 0 79,349
PPL CORP COM 69351T106 298 8,312 SH   SOLE   0 0 8,312
PFIZER INC COM 717081103 4,561 116,412 SH   SOLE   0 0 116,412
PHILIP MORRIS INTL INC COM 718172109 216 2,540 SH   SOLE   0 0 2,540
PROCTER & GAMBLE CO COM 742718109 5,862 46,932 SH   SOLE   0 0 46,932
QUEST DIAGNOSTICS INC COM 74834L100 3,850 36,048 SH   SOLE   0 0 36,048
SMITH A O CORP COM 831865209 3,296 69,191 SH   SOLE   0 0 69,191
TRUIST FINL CORP COM 89832Q109 294 5,224 SH   SOLE   0 0 5,224
VERIZON COMMUNICATIONS INC COM 92343V104 3,583 58,355 SH   SOLE   0 0 58,355
WALMART INC COM 931142103 4,250 35,762 SH   SOLE   0 0 35,762
WASTE MGMT INC DEL COM 94106L109 5,905 51,817 SH   SOLE   0 0 51,817
WELLS FARGO CO NEW COM 949746101 213 3,960 SH   SOLE   0 0 3,960
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 6,308 29,955 SH   SOLE   0 0 29,955