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 4,132 3,556 SH   SOLE   0 0 3,556
AMAZON COM INC COM 023135106 495 254 SH   SOLE   0 0 254
APPLE INC COM 037833100 7,020 27,605 SH   SOLE   0 0 27,605
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 351 1,919 SH   SOLE   0 0 1,919
CVS HEALTH CORP COM 126650100 3,395 57,223 SH   SOLE   0 0 57,223
CANADIAN NATL RY CO COM 136375102 4,240 54,624 SH   SOLE   0 0 54,624
CATERPILLAR INC DEL COM 149123101 4,056 34,952 SH   SOLE   0 0 34,952
CHEVRON CORP NEW COM 166764100 316 4,357 SH   SOLE   0 0 4,357
COCA COLA CO COM 191216100 4,292 96,996 SH   SOLE   0 0 96,996
COMCAST CORP NEW CL A 20030N101 570 17,230 SH   SOLE   0 0 17,230
CUMMINS INC COM 231021106 3,701 27,352 SH   SOLE   0 0 27,352
DIAGEO P L C SPON ADR NEW 25243Q205 3,859 30,356 SH   SOLE   0 0 30,356
DISNEY WALT CO COM DISNEY 254687106 3,948 40,871 SH   SOLE   0 0 40,871
DONEGAL GROUP INC CL A 257701201 302 19,876 SH   SOLE   0 0 19,876
EXXON MOBIL CORP COM 30231G102 302 7,964 SH   SOLE   0 0 7,964
FULTON FINL CORP PA COM 360271100 327 28,444 SH   SOLE   0 0 28,444
GOLDMAN SACHS GROUP INC COM 38141G104 3,017 19,517 SH   SOLE   0 0 19,517
INTEL CORP COM 458140100 5,549 102,529 SH   SOLE   0 0 102,529
ISHARES TR CORE S&P500 ETF 464287200 898 3,475 SH   SOLE   0 0 3,475
ISHARES TR CORE US AGGBD ET 464287226 1,357 11,761 SH   SOLE   0 0 11,761
ISHARES TR MSCI ACWI ETF 464288257 3,155 50,427 SH   SOLE   0 0 50,427
ISHARES TR NATIONAL MUN ETF 464288414 389 3,444 SH   SOLE   0 0 3,444
JOHNSON & JOHNSON COM 478160104 4,595 35,045 SH   SOLE   0 0 35,045
MASTERCARD INC CL A 57636Q104 381 1,578 SH   SOLE   0 0 1,578
MCDONALDS CORP COM 580135101 5,165 31,234 SH   SOLE   0 0 31,234
NOVO-NORDISK A S ADR 670100205 4,858 80,696 SH   SOLE   0 0 80,696
PEPSICO INC COM 713448108 278 2,313 SH   SOLE   0 0 2,313
PFIZER INC COM 717081103 3,851 117,984 SH   SOLE   0 0 117,984
PROCTER & GAMBLE CO COM 742718109 5,392 49,019 SH   SOLE   0 0 49,019
QUEST DIAGNOSTICS INC COM 74834L100 3,097 38,565 SH   SOLE   0 0 38,565
SPDR GOLD TRUST GOLD SHS 78463V107 281 1,900 SH   SOLE   0 0 1,900
SMITH A O CORP COM 831865209 2,681 70,894 SH   SOLE   0 0 70,894
UNITED PARCEL SERVICE INC CL B 911312106 340 3,638 SH   SOLE   0 0 3,638
VERIZON COMMUNICATIONS INC COM 92343V104 3,491 64,977 SH   SOLE   0 0 64,977
WALMART INC COM 931142103 4,228 37,215 SH   SOLE   0 0 37,215
WASTE MGMT INC DEL COM 94106L109 4,891 52,841 SH   SOLE   0 0 52,841
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 4,942 30,269 SH   SOLE   0 0 30,269