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
ABBOTT LABS, COM Common Stock 002824100   188,880 1,716 SH   SOLE   1,716 0 0
ABBOTT LABS, COM Common Stock 002824100   21,133 192 SH   OTR   192 0 0
ABBVIE INC Common Stock 00287Y109   496,214 3,202 SH   SOLE   3,202 0 0
ABBVIE INC Common Stock 00287Y109   23,246 150 SH   OTR   150 0 0
ACCENTURE PLC IRELAND SHS CLASS A Int'l Common Stock G1151C101   193,351 551 SH   SOLE   551 0 0
ACCENTURE PLC IRELAND SHS CLASS A Int'l Common Stock G1151C101   78,253 223 SH   OTR   223 0 0
ADOBE SYSTEMS, INC Common Stock 00724F101   536,343 899 SH   SOLE   899 0 0
ADOBE SYSTEMS, INC Common Stock 00724F101   8,352 14 SH   OTR   14 0 0
AIR PRODUCTS & CHEMS INC Common Stock 009158106   364,428 1,331 SH   SOLE   1,331 0 0
AIR PRODUCTS & CHEMS INC Common Stock 009158106   54,760 200 SH   OTR   200 0 0
ALPHABET INC. CLASS C Common Stock 02079K107   321,320 2,280 SH   SOLE   2,280 0 0
ALPHABET INC. CLASS C Common Stock 02079K107   15,080 107 SH   OTR   107 0 0
ALTRIA GROUP INC. Common Stock 02209S103   380,205 9,425 SH   SOLE   9,425 0 0
ALTRIA GROUP INC. Common Stock 02209S103   7,705 191 SH   OTR   191 0 0
AMAZON COM INC. Common Stock 023135106   249,182 1,640 SH   SOLE   1,640 0 0
AMAZON COM INC. Common Stock 023135106   41,935 276 SH   OTR   276 0 0
American Energy Partners INC Common Stock 02563X201   283,644 8,556,390 SH   SOLE   8,556,390 0 0
AMERICAN EXPRESS COMPANY COMMON Common Stock 025816109   165,796 885 SH   SOLE   885 0 0
AMERICAN EXPRESS COMPANY COMMON Common Stock 025816109   77,559 414 SH   OTR   414 0 0
AMGEN INC. COMMON Common Stock 031162100   278,803 968 SH   SOLE   968 0 0
APPLE INC. Common Stock 037833100   1,714,095 8,903 SH   SOLE   8,903 0 0
APPLE INC. Common Stock 037833100   53,908 280 SH   OTR   280 0 0
AT&T INC. Common Stock 00206R102   371,039 22,112 SH   SOLE   22,112 0 0
AT&T INC. Common Stock 00206R102   3,809 227 SH   OTR   227 0 0
AUTOMATIC DATA PROCESSING INC, COMMON Common Stock 053015103   903,225 3,877 SH   SOLE   3,877 0 0
AUTOMATIC DATA PROCESSING INC, COMMON Common Stock 053015103   1,631 7 SH   OTR   7 0 0
Avantis EMERGING MKT VAL International Equity ETF 025072372   2,897,423 63,028 SH   SOLE   63,028 0 0
Avantis EMERGING MKT VAL International Equity ETF 025072372   173,170 3,767 SH   OTR   3,767 0 0
AVANTIS INTERNATIONAL S/C International Equity ETF 025072802   1,700,853 27,218 SH   SOLE   27,218 0 0
AVANTIS INTERNATIONAL S/C International Equity ETF 025072802   29,308 469 SH   OTR   469 0 0
BLACKROCK INC. Common Stock 09247X101   251,658 310 SH   SOLE   310 0 0
BLACKROCK INC. Common Stock 09247X101   14,612 18 SH   OTR   18 0 0
BOEING CO. Common Stock 097023105   374,568 1,437 SH   SOLE   1,437 0 0
BP PRUDHOE BAY ROYALTY TRUST Common Stock 055630107   51,870 21,000 SH   SOLE   21,000 0 0
BROADCOM INC COM Common Stock 11135F101   952,161 853 SH   SOLE   853 0 0
BROADCOM INC COM Common Stock 11135F101   1,116 1 SH   OTR   1 0 0
CHEVRON CORPORATION Common Stock 166764100   735,806 4,933 SH   SOLE   4,933 0 0
CHEVRON CORPORATION Common Stock 166764100   28,788 193 SH   OTR   193 0 0
CISCO SYSTEMS INC. Common Stock 17275R102   322,823 6,390 SH   SOLE   6,390 0 0
CISCO SYSTEMS INC. Common Stock 17275R102   14,045 278 SH   OTR   278 0 0
COLGATE-PALMOLIVE CO. COMMON Common Stock 194162103   494,919 6,209 SH   SOLE   6,209 0 0
COMCAST CORP CL A Common Stock 20030N101   275,466 6,282 SH   SOLE   6,282 0 0
COMCAST CORP CL A Common Stock 20030N101   5,130 117 SH   OTR   117 0 0
COMMUNITY BANKING SYSTEM INC Common Stock 203607106   491,554 9,433 SH   SOLE   9,433 0 0
CONOCOPHILLIPS Common Stock 20825C104   312,577 2,693 SH   SOLE   2,693 0 0
CONOCOPHILLIPS Common Stock 20825C104   15,553 134 SH   OTR   134 0 0
CVS CAREMARK CORPORATION Common Stock 126650100   240,670 3,048 SH   SOLE   3,048 0 0
CVS CAREMARK CORPORATION Common Stock 126650100   16,108 204 SH   OTR   204 0 0
DARKPULSE INC Common Stock 237245105   468 425,000 SH   SOLE   425,000 0 0
DUKE ENERGY CORP NEW Common Stock 26441C204   491,216 5,062 SH   SOLE   5,062 0 0
DUKE ENERGY CORP NEW Common Stock 26441C204   13,974 144 SH   OTR   144 0 0
EATON CORPORATION PLC Int'l Common Stock G29183103   192,174 798 SH   SOLE   798 0 0
EATON CORPORATION PLC Int'l Common Stock G29183103   15,653 65 SH   OTR   65 0 0
ECOLAB INC. COM Common Stock 278865100   267,177 1,347 SH   SOLE   1,347 0 0
ELI LILLY & CO Common Stock 532457108   229,088 393 SH   SOLE   393 0 0
ELI LILLY & CO Common Stock 532457108   1,166 2 SH   OTR   2 0 0
EXXON MOBIL CORP COM Common Stock 30231G102   1,244,151 12,444 SH   SOLE   12,444 0 0
EXXON MOBIL CORP COM Common Stock 30231G102   17,497 175 SH   OTR   175 0 0
FIDELITY D & D BANCORP INC. Common Stock 31609R100   5,899,562 101,664 SH   SOLE   2,251 0 99,413
FIDELITY D & D BANCORP INC. Common Stock 31609R100   162,600 2,802 SH   OTR   0 0 2,802
FNCB BANKCORP INC. NPV Common Stock 302578109   131,373 19,348 SH   SOLE   19,348 0 0
GARMIN LTD Common Stock H2906T109   192,039 1,494 SH   SOLE   1,494 0 0
GARMIN LTD Common Stock H2906T109   18,767 146 SH   OTR   146 0 0
GENERAL ELECTRIC CO. USD Common Stock 369604301   221,183 1,733 SH   SOLE   1,733 0 0
GENERAL ELECTRIC CO. USD Common Stock 369604301   8,168 64 SH   OTR   64 0 0
GOLDMAN SACHS GROUP INC (THE) COMMON Common Stock 38141G104   229,919 596 SH   SOLE   596 0 0
GOODYEAR TIRE & RUBBER CO Common Stock 382550101   443,920 31,000 SH   SOLE   31,000 0 0
HOME DEPOT INC. Common Stock 437076102   338,926 978 SH   SOLE   978 0 0
HOME DEPOT INC. Common Stock 437076102   22,872 66 SH   OTR   66 0 0
HONAT BANCORP INC Common Stock 438115107   2,031,382 17,069 SH   SOLE   17,069 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106   244,102 1,164 SH   SOLE   1,164 0 0
INTEL CORP COM Common Stock 458140100   202,206 4,024 SH   SOLE   4,024 0 0
INTERNATIONAL BUSINESS MACHINES CORP COM Common Stock 459200101   6,552,304 40,063 SH   SOLE   40,063 0 0
INTERNATIONAL BUSINESS MACHINES CORP COM Common Stock 459200101   4,907 30 SH   OTR   30 0 0
INVESCO EXCHANGE TRADED FD TR Exchange Traded Fund 46137V258   4,009,526 48,849 SH   SOLE   48,849 0 0
INVESCO OPTIMUM YIELD DIVERS Exchange Traded Fund 46090F100   2,424,803 182,316 SH   SOLE   182,316 0 0
INVESCO S&P QUALITY ETF Exchange Traded Fund 46137V241   2,401,206 44,401 SH   SOLE   44,401 0 0
INVESCO S&P QUALITY ETF Exchange Traded Fund 46137V241   32,448 600 SH   OTR   600 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF Fixed Income ETF 464287457   245,956 2,998 SH   SOLE   2,998 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF Fixed Income ETF 464287457   1,025,828 12,504 SH   OTR   12,504 0 0
ISHARES MSCI EAFE ETF International Equity ETF 464287465   494,296 6,560 SH   SOLE   6,560 0 0
ISHARES MSCI EAFE ETF International Equity ETF 464287465   141,131 1,873 SH   OTR   1,873 0 0
ISHARES NATIONAL MUNI BD ETF Fixed Income ETF 464288414   1,369,435 12,632 SH   SOLE   12,632 0 0
ISHARES RUSSELL 1000 GROWTH ETF Exchange Traded Fund 464287614   2,813,114 9,279 SH   SOLE   9,279 0 0
ISHARES RUSSELL 1000 VALUE ETF Exchange Traded Fund 464287598   6,848,456 41,443 SH   SOLE   41,443 0 0
ISHARES RUSSELL MID-CAP ETF Exchange Traded Fund 464287499   300,271 3,863 SH   SOLE   3,863 0 0
ISHARES US TREASURY BOND ETF Fixed Income ETF 46429B267   2,300,383 99,843 SH   SOLE   99,843 0 0
JOHN HANCOCK Fixed Income ETF 47804J792   2,720,926 124,875 SH   SOLE   124,875 0 0
JOHNSON & JOHNSON COM Common Stock 478160104   575,549 3,672 SH   SOLE   3,672 0 0
JOHNSON & JOHNSON COM Common Stock 478160104   37,618 240 SH   OTR   240 0 0
JP MORGAN CHASE & CO Common Stock 46625H100   1,072,821 6,307 SH   SOLE   6,307 0 0
JP MORGAN CHASE & CO Common Stock 46625H100   42,355 249 SH   OTR   249 0 0
JPMORGAN US QUALITY FACTOR Exchange Traded Fund 46641Q761   242,602 5,069 SH   SOLE   5,069 0 0
LINKBANCORP INC. Common Stock 53578P105   2,287,334 286,993 SH   SOLE   286,993 0 0
LOCKHEED MARTIN CORPORATION Common Stock 539830109   308,656 681 SH   SOLE   681 0 0
LOCKHEED MARTIN CORPORATION Common Stock 539830109   16,770 37 SH   OTR   37 0 0
LOWES COMPANIES INC Common Stock 548661107   452,222 2,032 SH   SOLE   2,032 0 0
LOWES COMPANIES INC Common Stock 548661107   2,448 11 SH   OTR   11 0 0
MASTERCARD INC CLASS A Common Stock 57636Q104   278,938 654 SH   SOLE   654 0 0
MASTERCARD INC CLASS A Common Stock 57636Q104   11,942 28 SH   OTR   28 0 0
MCCORMICK & CO INC COM NON VTG Common Stock 579780206   206,355 3,016 SH   SOLE   3,016 0 0
MCDONALDS CORP COM Common Stock 580135101   891,606 3,007 SH   SOLE   3,007 0 0
MCDONALDS CORP COM Common Stock 580135101   3,558 12 SH   OTR   12 0 0
MERCK & CO. INC, COMMON NEW Common Stock 58933Y105   225,344 2,067 SH   SOLE   2,067 0 0
MERCK & CO. INC, COMMON NEW Common Stock 58933Y105   4,579 42 SH   OTR   42 0 0
MICROSOFT CORP Common Stock 594918104   2,767,278 7,359 SH   SOLE   7,359 0 0
MICROSOFT CORP Common Stock 594918104   168,090 447 SH   OTR   447 0 0
MONARCH CASINO & RESORT INC Common Stock 609027107   207,450 3,000 SH   SOLE   3,000 0 0
MONDELEZ INTL INC Common Stock 609207105   341,580 4,716 SH   SOLE   4,716 0 0
MONDELEZ INTL INC Common Stock 609207105   10,865 150 SH   OTR   150 0 0
NBT BANCORP INC COM Common Stock 628778102   206,952 4,938 SH   SOLE   4,938 0 0
NEXTERA ENERGY INC Common Stock 65339F101   375,434 6,181 SH   SOLE   6,181 0 0
NEXTERA ENERGY INC Common Stock 65339F101   8,990 148 SH   OTR   148 0 0
PEOPLES FINANCIAL SVCS CORP Common Stock 711040105   404,794 8,312 SH   SOLE   8,312 0 0
PEPSICO INC Common Stock 713448108   445,151 2,621 SH   SOLE   2,621 0 0
PHILIP MORRIS INTL INC COMMON Common Stock 718172109   535,409 5,691 SH   SOLE   5,691 0 0
PHILIP MORRIS INTL INC COMMON Common Stock 718172109   14,112 150 SH   OTR   150 0 0
PIMCO ETF TR Fixed Income ETF 72201R833   334,197 3,349 SH   OTR   3,349 0 0
PNC FINANCIAL SERVICES GROUP INC. Common Stock 693475105   1,549,894 10,009 SH   SOLE   10,009 0 0
PNC FINANCIAL SERVICES GROUP INC. Common Stock 693475105   19,976 129 SH   OTR   129 0 0
PPL CORP. COM Common Stock 69351T106   800,147 29,526 SH   SOLE   29,526 0 0
PPL CORP. COM Common Stock 69351T106   6,423 237 SH   OTR   237 0 0
PROCTER & GAMBLE CO. COMMON Common Stock 742718109   928,917 6,339 SH   SOLE   6,339 0 0
PROCTER & GAMBLE CO. COMMON Common Stock 742718109   10,991 75 SH   OTR   75 0 0
PROGRESSIVE CORPORATION Common Stock 743315103   263,927 1,657 SH   SOLE   1,657 0 0
PROGRESSIVE CORPORATION Common Stock 743315103   37,909 238 SH   OTR   238 0 0
RTX CORPORATION Common Stock 75513E101   233,573 2,776 SH   SOLE   2,776 0 0
RTX CORPORATION Common Stock 75513E101   9,592 114 SH   OTR   114 0 0
SPDR DOW JONES INDL AVERAGE Exchange Traded Fund 78467X109   573,219 1,521 SH   SOLE   1,521 0 0
SPDR PORT S&P 500 GROWTH ETF Exchange Traded Fund 78464A409   704,144 10,823 SH   SOLE   10,823 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF International Equity ETF 78463X889   9,047,000 266,010 SH   SOLE   266,010 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF International Equity ETF 78463X889   130,462 3,836 SH   OTR   3,836 0 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND Fixed Income ETF 78464A375   5,112,846 155,737 SH   SOLE   155,737 0 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103   304,198 640 SH   SOLE   640 0 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103   585,582 1,232 SH   OTR   1,232 0 0
TARGET CORP. Common Stock 87612E106   213,345 1,498 SH   SOLE   1,498 0 0
TARGET CORP. Common Stock 87612E106   1,851 13 SH   OTR   13 0 0
TEXAS INSTRUMENTS INC Common Stock 882508104   205,063 1,203 SH   SOLE   1,203 0 0
THE COCA COLA COMPANY Common Stock 191216100   286,812 4,867 SH   SOLE   4,867 0 0
THE COCA COLA COMPANY Common Stock 191216100   26,695 453 SH   OTR   453 0 0
THE WALT DISNEY COMPANY NEW Common Stock 254687106   201,798 2,235 SH   SOLE   2,235 0 0
THE WALT DISNEY COMPANY NEW Common Stock 254687106   27,087 300 SH   OTR   300 0 0
TRANE TECHNOLOGIES PLC Int'l Common Stock G8994E103   249,998 1,025 SH   SOLE   1,025 0 0
TRANE TECHNOLOGIES PLC Int'l Common Stock G8994E103   2,927 12 SH   OTR   12 0 0
VANECK ETF TRUST Exchange Traded Fund 92189F460   18,702,237 883,014 SH   SOLE   883,014 0 0
VANECK ETF TRUST Exchange Traded Fund 92189F460   547,715 25,860 SH   OTR   25,860 0 0
VANECK VECTORS JP MPRGAN Fixed Income ETF 92189H300   1,267,323 49,993 SH   SOLE   49,993 0 0
VANECK VECTORS JP MPRGAN Fixed Income ETF 92189H300   15,210 600 SH   OTR   600 0 0
VANGUARD FTSE DEVELOPED ETF International Equity ETF 921943858   988,656 20,640 SH   SOLE   20,640 0 0
VANGUARD GROWTH ETF Exchange Traded Fund 922908736   349,740 1,125 SH   SOLE   1,125 0 0
VANGUARD I VANGUARD REIT ETF Exchange Traded Fund 922908553   377,297 4,270 SH   SOLE   4,270 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908611   940,703 5,227 SH   SOLE   5,227 0 0
VANGUARD INDEX FDS Exchange Traded Fund 922908611   17,997 100 SH   OTR   100 0 0
VANGUARD S DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844   2,345,386 13,764 SH   SOLE   13,764 0 0
VANGUARD S DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844   34,080 200 SH   OTR   200 0 0
VANGUARD S&P SC 600 ETF Exchange Traded Fund 921932828   1,852,274 18,674 SH   SOLE   18,674 0 0
VANGUARD S&P SMALL CAP 600 V Exchange Traded Fund 921932778   2,281,265 25,777 SH   SOLE   25,777 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND Exchange Traded Fund 922908769   803,939 3,389 SH   SOLE   3,389 0 0
VANGUARD VALUE ETF Exchange Traded Fund 922908744   447,756 2,995 SH   SOLE   2,995 0 0
VANGUARD VALUE ETF Exchange Traded Fund 922908744   50,378 337 SH   OTR   337 0 0
VERIZON COMMUNICATIONS, INC.COM Common Stock 92343V104   291,760 7,739 SH   SOLE   7,739 0 0
VERIZON COMMUNICATIONS, INC.COM Common Stock 92343V104   1,546 41 SH   OTR   41 0 0
VISA INC CLASS A SHARES Common Stock 92826C839   183,807 706 SH   SOLE   706 0 0
VISA INC CLASS A SHARES Common Stock 92826C839   21,609 83 SH   OTR   83 0 0
WAL MART STORES, INC. Common Stock 931142103   316,561 2,008 SH   SOLE   2,008 0 0
WAL MART STORES, INC. Common Stock 931142103   5,675 36 SH   OTR   36 0 0
WEC ENERGY GROUP INC. Common Stock 92939U106   200,156 2,378 SH   SOLE   2,378 0 0
WEC ENERGY GROUP INC. Common Stock 92939U106   12,626 150 SH   OTR   150 0 0