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
ABBVIE INC Common Stock 00287Y109   554,181 3,231 SH   SOLE   3,231 0 0
ABBVIE INC Common Stock 00287Y109   25,728 150 SH   OTR   0 150 0
ACCENTURE PLC Int'l Common Stock G1151C101   159,594 526 SH   SOLE   526 0 0
ACCENTURE PLC Int'l Common Stock G1151C101   60,682 200 SH   OTR   0 200 0
ADOBE SYSTEMS, INC Common Stock 00724F101   499,430 899 SH   SOLE   899 0 0
ADOBE SYSTEMS, INC Common Stock 00724F101   7,778 14 SH   OTR   0 14 0
AIR PRODUCTS & CHEMS INC Common Stock 009158106   334,949 1,298 SH   SOLE   1,298 0 0
AIR PRODUCTS & CHEMS INC Common Stock 009158106   51,610 200 SH   OTR   0 200 0
ALPHABET INC. CLASS C Common Stock 02079K107   412,695 2,250 SH   SOLE   2,250 0 0
ALPHABET INC. CLASS C Common Stock 02079K107   19,626 107 SH   OTR   0 107 0
ALTRIA GROUP INC. Common Stock 02209S103   326,821 7,175 SH   SOLE   7,175 0 0
ALTRIA GROUP INC. Common Stock 02209S103   8,700 191 SH   OTR   0 0 191
AMAZON COM INC. Common Stock 023135106   454,138 2,350 SH   SOLE   2,350 0 0
AMAZON COM INC. Common Stock 023135106   51,984 269 SH   OTR   0 269 0
American Energy Partners INC Common Stock 02563X201   67,837 8,468,990 SH   SOLE   8,468,990 0 0
AMERICAN EXPRESS COMPANY Common Stock 025816109   212,100 916 SH   SOLE   916 0 0
AMERICAN EXPRESS COMPANY Common Stock 025816109   92,620 400 SH   OTR   0 400 0
AMGEN INC. COMMON Common Stock 031162100   278,081 890 SH   SOLE   890 0 0
APPLE INC. Common Stock 037833100   2,047,437 9,721 SH   SOLE   9,721 0 0
APPLE INC. Common Stock 037833100   56,025 266 SH   OTR   0 266 0
APPLIED MATERIALS INC. Common Stock 038222105   267,849 1,135 SH   SOLE   1,135 0 0
AT&T INC. Common Stock 00206R102   224,351 11,740 SH   SOLE   11,560 180 0
AT&T INC. Common Stock 00206R102   4,338 227 SH   OTR   0 0 227
AUTOMATIC DATA PROCESSING INC Common Stock 053015103   893,655 3,744 SH   SOLE   3,744 0 0
AVANTIS EMERGING MARKETS VALUE ETF International Equity ETF 025072372   3,375,158 69,234 SH   SOLE   69,234 0 0
AVANTIS EMERGING MARKETS VALUE ETF International Equity ETF 025072372   227,906 4,675 SH   OTR   0 1,865 2,810
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF International Equity ETF 025072802   1,796,972 27,667 SH   SOLE   27,167 0 500
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF International Equity ETF 025072802   51,505 793 SH   OTR   0 324 469
Avantis US Large Cap Value ETF Exchange Traded Fund 025072349   6,291,541 100,120 SH   SOLE   100,120 0 0
Avantis US Large Cap Value ETF Exchange Traded Fund 025072349   65,354 1,040 SH   OTR   0 1,040 0
AVANTIS US SMALL CAP VALUE ETF Exchange Traded Fund 025072877   1,832,621 20,426 SH   SOLE   20,426 0 0
AVANTIS US SMALL CAP VALUE ETF Exchange Traded Fund 025072877   18,303 204 SH   OTR   0 204 0
BLACKROCK INC. Common Stock 09247X101   199,192 253 SH   SOLE   253 0 0
BLACKROCK INC. Common Stock 09247X101   11,022 14 SH   OTR   0 0 14
BOEING CO. Common Stock 097023105   234,065 1,286 SH   SOLE   1,286 0 0
BP PRUDHOE BAY ROYALTY TRUST Common Stock 055630107   51,870 21,000 SH   SOLE   21,000 0 0
BROADCOM INC Common Stock 11135F101   1,221,808 761 SH   SOLE   761 0 0
CHEVRON CORPORATION Common Stock 166764100   683,868 4,372 SH   SOLE   4,372 0 0
CHEVRON CORPORATION Common Stock 166764100   23,463 150 SH   OTR   0 150 0
CISCO SYSTEMS INC. Common Stock 17275R102   283,445 5,966 SH   SOLE   5,966 0 0
CISCO SYSTEMS INC. Common Stock 17275R102   8,552 180 SH   OTR   0 0 180
COLGATE-PALMOLIVE CO. Common Stock 194162103   373,022 3,844 SH   SOLE   3,844 0 0
COMCAST CORP CL A Common Stock 20030N101   211,464 5,400 SH   SOLE   5,400 0 0
CONOCOPHILLIPS Common Stock 20825C104   299,790 2,621 SH   SOLE   2,621 0 0
CONOCOPHILLIPS Common Stock 20825C104   15,327 134 SH   OTR   0 51 83
CORNING INC. Common Stock 219350105   225,369 5,801 SH   SOLE   5,801 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105   220,147 259 SH   SOLE   259 0 0
DARKPULSE INC Common Stock 237245105   510 425,000 SH   SOLE   425,000 0 0
DUKE ENERGY CORP Common Stock 26441C204   503,355 5,022 SH   SOLE   5,022 0 0
DUKE ENERGY CORP Common Stock 26441C204   14,433 144 SH   OTR   65 0 79
EATON CORPORATION PLC Int'l Common Stock G29183103   227,637 726 SH   SOLE   726 0 0
EATON CORPORATION PLC Int'l Common Stock G29183103   20,381 65 SH   OTR   0 0 65
ECOLAB INC. COM Common Stock 278865100   320,586 1,347 SH   SOLE   1,347 0 0
ELEVANCE HEALTH Common Stock 036752103   190,193 351 SH   SOLE   351 0 0
ELEVANCE HEALTH Common Stock 036752103   10,837 20 SH   OTR   0 20 0
ELI LILLY & CO Common Stock 532457108   312,356 345 SH   SOLE   345 0 0
EXXON MOBIL CORP COM Common Stock 30231G102   1,460,182 12,684 SH   SOLE   12,579 105 0
EXXON MOBIL CORP COM Common Stock 30231G102   20,146 175 SH   OTR   0 175 0
FIDELITY D & D BANCORP INC. Common Stock 31609R100   4,217,064 96,280 SH   SOLE   2,251 0 94,029
FIDELITY D & D BANCORP INC. Common Stock 31609R100   122,728 2,802 SH   OTR   0 0 2,802
FNCB BANKCORP INC. Common Stock 302578109   153,549 22,748 SH   SOLE   22,748 0 0
GARMIN LTD Common Stock H2906T109   243,402 1,494 SH   SOLE   1,494 0 0
GARMIN LTD Common Stock H2906T109   23,786 146 SH   OTR   0 0 146
GENERAL ELECTRIC CO. Common Stock 369604301   270,408 1,701 SH   SOLE   1,701 0 0
GENERAL ELECTRIC CO. Common Stock 369604301   6,836 43 SH   OTR   0 0 43
GOLDMAN SACHS GROUP INC Common Stock 38141G104   236,111 522 SH   SOLE   522 0 0
GOODYEAR TIRE & RUBBER CO Common Stock 382550101   351,850 31,000 SH   SOLE   31,000 0 0
HARBOR LONG TERM GROWER ETF Exchange Traded Fund 41151J406   413,492 16,350 SH   SOLE   16,350 0 0
HOME DEPOT INC. Common Stock 437076102   312,914 909 SH   SOLE   909 0 0
HOME DEPOT INC. Common Stock 437076102   22,720 66 SH   OTR   0 29 37
HONAT BANCORP INC Common Stock 438115107   1,876,685 16,319 SH   SOLE   16,319 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106   236,175 1,106 SH   SOLE   1,106 0 0
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101   6,915,406 39,985 SH   SOLE   39,985 0 0
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101   5,189 30 SH   OTR   0 0 30
INVESCO OPTIMUM YIELD DIVERS COMMODITY ETF Exchange Traded Fund 46090F100   389,382 27,714 SH   SOLE   12,777 0 14,937
INVESCO S&P 500 PURE VALUE Exchange Traded Fund 46137V258   4,157,986 49,844 SH   SOLE   49,844 0 0
INVESCO S&P 500 PURE VALUE Exchange Traded Fund 46137V258   41,793 501 SH   OTR   0 501 0
INVESCO S&P 500 QUALITY ETF Exchange Traded Fund 46137V241   2,777,969 43,720 SH   SOLE   41,178 0 2,542
INVESCO S&P 500 QUALITY ETF Exchange Traded Fund 46137V241   58,457 920 SH   OTR   0 920 0
ISHARES 10-20 TREASURY ETF Fixed Income ETF 464288653   1,258,383 12,253 SH   SOLE   12,253 0 0
ISHARES 10-20 TREASURY ETF Fixed Income ETF 464288653   72,095 702 SH   OTR   0 702 0
ISHARES 1-3 YEAR TREASURY BOND ETF Fixed Income ETF 464287457   1,461,045 17,894 SH   SOLE   17,864 30 0
ISHARES 1-3 YEAR TREASURY BOND ETF Fixed Income ETF 464287457   833,810 10,212 SH   OTR   0 961 9,251
ISHARES MSCI EAFE ETF International Equity ETF 464287465   499,040 6,371 SH   SOLE   2,597 85 3,689
ISHARES MSCI EAFE ETF International Equity ETF 464287465   146,712 1,873 SH   OTR   0 1,873 0
ISHARES NATIONAL MUNI BOND ETF Fixed Income ETF 464288414   793,371 7,446 SH   SOLE   7,446 0 0
ISHARES RUSSELL 1000 GROWTH ETF Exchange Traded Fund 464287614   3,306,470 9,071 SH   SOLE   8,380 0 691
ISHARES RUSSELL 1000 GROWTH ETF Exchange Traded Fund 464287614   41,919 115 SH   OTR   0 115 0
ISHARES RUSSELL 1000 VALUE ETF Exchange Traded Fund 464287598   848,971 4,866 SH   SOLE   3,266 0 1,600
ISHARES RUSSELL MID-CAP ETF Exchange Traded Fund 464287499   234,240 2,889 SH   SOLE   2,476 0 413
ISHARES US TREASURY BOND ETF Fixed Income ETF 46429B267   453,973 20,114 SH   SOLE   20,114 0 0
JOHN HANCOCK MORTGAGE-BACKED ETF Fixed Income ETF 47804J792   3,336,284 155,176 SH   SOLE   155,176 0 0
JOHN HANCOCK MORTGAGE-BACKED ETF Fixed Income ETF 47804J792   159,143 7,402 SH   OTR   0 7,402 0
JOHNSON & JOHNSON Common Stock 478160104   531,145 3,634 SH   SOLE   3,634 0 0
JOHNSON & JOHNSON Common Stock 478160104   29,232 200 SH   OTR   0 200 0
JP MORGAN CHASE & CO Common Stock 46625H100   1,212,549 5,995 SH   SOLE   5,995 0 0
JP MORGAN CHASE & CO Common Stock 46625H100   50,363 249 SH   OTR   0 100 149
LINKBANCORP INC. Common Stock 53578P105   311,667 50,926 SH   SOLE   50,926 0 0
LOCKHEED MARTIN CORPORATION Common Stock 539830109   300,345 643 SH   SOLE   643 0 0
LOCKHEED MARTIN CORPORATION Common Stock 539830109   17,283 37 SH   OTR   0 0 37
LOWES COMPANIES INC Common Stock 548661107   434,086 1,969 SH   SOLE   1,969 0 0
MASTERCARD INC CLASS A Common Stock 57636Q104   288,519 654 SH   SOLE   654 0 0
MASTERCARD INC CLASS A Common Stock 57636Q104   12,352 28 SH   OTR   0 28 0
MCCORMICK & CO INC Common Stock 579780206   213,955 3,016 SH   SOLE   3,016 0 0
MCDONALDS CORP Common Stock 580135101   651,626 2,557 SH   SOLE   2,557 0 0
MERCK & CO. INC Common Stock 58933Y105   233,611 1,887 SH   SOLE   1,887 0 0
MICROSOFT CORP Common Stock 594918104   3,466,544 7,756 SH   SOLE   7,756 0 0
MICROSOFT CORP Common Stock 594918104   192,189 430 SH   OTR   0 309 121
MONARCH CASINO & RESORT INC Common Stock 609027107   204,390 3,000 SH   SOLE   3,000 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105   295,331 4,513 SH   SOLE   4,513 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105   9,816 150 SH   OTR   150 0 0
NEXTERA ENERGY INC Common Stock 65339F101   382,657 5,404 SH   SOLE   5,404 0 0
NEXTERA ENERGY INC Common Stock 65339F101   10,480 148 SH   OTR   0 0 148
NVIDIA CORP Common Stock 67066G104   368,149 2,980 SH   SOLE   2,980 0 0
PEOPLES FINANCIAL SVCS CORP Common Stock 711040105   378,528 8,312 SH   SOLE   8,312 0 0
PEPSICO INC Common Stock 713448108   410,841 2,491 SH   SOLE   2,491 0 0
PHILIP MORRIS INTL INC Common Stock 718172109   532,894 5,259 SH   SOLE   5,259 0 0
PHILIP MORRIS INTL INC Common Stock 718172109   9,829 97 SH   OTR   0 0 97
PIMCO COMMODITIES ACTIVE STRATEGY ETF Exchange Traded Fund 72201R593   2,508,561 92,085 SH   SOLE   92,085 0 0
PIMCO COMMODITIES ACTIVE STRATEGY ETF Exchange Traded Fund 72201R593   36,286 1,332 SH   OTR   0 1,332 0
PNC FINANCIAL SERVICES GROUP INC. Common Stock 693475105   1,471,463 9,464 SH   SOLE   9,464 0 0
PNC FINANCIAL SERVICES GROUP INC. Common Stock 693475105   16,481 106 SH   OTR   0 0 106
PPL CORP. COM Common Stock 69351T106   748,035 27,054 SH   SOLE   27,009 45 0
PPL CORP. COM Common Stock 69351T106   5,005 181 SH   OTR   0 0 181
PROCTER & GAMBLE CO. Common Stock 742718109   936,086 5,676 SH   SOLE   5,476 0 200
PROCTER & GAMBLE CO. Common Stock 742718109   12,369 75 SH   OTR   0 75 0
PROGRESSIVE CORPORATION Common Stock 743315103   344,175 1,657 SH   SOLE   1,657 0 0
PROGRESSIVE CORPORATION Common Stock 743315103   47,358 228 SH   OTR   0 228 0
RTX CORPORATION Common Stock 75513E101   272,358 2,713 SH   SOLE   2,713 0 0
RTX CORPORATION Common Stock 75513E101   10,039 100 SH   OTR   0 100 0
SPDR DOW JONES INDL AVERAGE Exchange Traded Fund 78467X109   594,909 1,521 SH   SOLE   75 0 1,446
SPDR INTERMEDIATE TERM CORPORATE BOND Fixed Income ETF 78464A375   4,409,666 135,432 SH   SOLE   132,951 0 2,481
SPDR INTERMEDIATE TERM CORPORATE BOND Fixed Income ETF 78464A375   176,964 5,435 SH   OTR   0 5,435 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF International Equity ETF 78463X889   9,558,213 272,469 SH   SOLE   272,469 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF International Equity ETF 78463X889   195,255 5,566 SH   OTR   0 5,566 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103   670,479 1,232 SH   OTR   0 1,232 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103   353,743 650 SH   SOLE   179 0 471
SPDR S&P 500 GROWTH ETF Exchange Traded Fund 78464A409   1,223,024 15,263 SH   SOLE   15,263 0 0
TEXAS INSTRUMENTS INC Common Stock 882508104   220,208 1,132 SH   SOLE   1,132 0 0
THE COCA COLA COMPANY Common Stock 191216100   298,646 4,692 SH   SOLE   4,692 0 0
THE COCA COLA COMPANY Common Stock 191216100   25,460 400 SH   OTR   0 400 0
THE WALT DISNEY COMPANY Common Stock 254687106   221,913 2,235 SH   SOLE   2,235 0 0
THE WALT DISNEY COMPANY Common Stock 254687106   29,787 300 SH   OTR   0 300 0
TRANE TECHNOLOGIES PLC Int'l Common Stock G8994E103   337,153 1,025 SH   SOLE   1,025 0 0
VANECK CEF MUNI INCOME ETF Exchange Traded Fund 92189F460   20,983,432 953,359 SH   SOLE   953,359 0 0
VANECK CEF MUNI INCOME ETF Exchange Traded Fund 92189F460   607,828 27,616 SH   OTR   0 27,616 0
VANECK JPM EM LC BOND Fixed Income ETF 92189H300   1,323,333 55,649 SH   SOLE   55,005 0 644
VANECK JPM EM LC BOND Fixed Income ETF 92189H300   73,956 3,110 SH   OTR   0 3,110 0
VANGUARD DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844   2,526,857 13,842 SH   SOLE   13,406 0 436
VANGUARD DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844   55,860 306 SH   OTR   0 306 0
VANGUARD FTSE DEVELOPED ETF International Equity ETF 921943858   911,008 18,434 SH   SOLE   18,434 0 0
VANGUARD FTSE EMERGING MARKETS ETF International Equity ETF 922042858   263,216 6,015 SH   SOLE   6,015 0 0
VANGUARD I VANGUARD REIT ETF Exchange Traded Fund 922908553   357,655 4,270 SH   SOLE   4,270 0 0
VANGUARD S&P SMALL-CAP 600 ETF Exchange Traded Fund 921932828   2,213,162 22,535 SH   SOLE   22,535 0 0
VANGUARD S&P SMALL-CAP 600 ETF Exchange Traded Fund 921932828   18,856 192 SH   OTR   0 192 0
VANGUARD S&P SMALL-CAP 600 VALUE ETF Exchange Traded Fund 921932778   296,526 3,544 SH   SOLE   3,544 0 0
VANGUARD SMALL-CAP VALUE INDEX FUND Exchange Traded Fund 922908611   890,150 4,877 SH   SOLE   4,877 0 0
VANGUARD SMALL-CAP VALUE INDEX FUND Exchange Traded Fund 922908611   18,252 100 SH   OTR   0 100 0
VANGUARD TOTAL STOCK MARKET INDEX FUND Exchange Traded Fund 922908769   901,776 3,371 SH   SOLE   3,371 0 0
VANGUARD VALUE ETF Exchange Traded Fund 922908744   255,858 1,595 SH   SOLE   1,595 0 0
VANGUARD VALUE ETF Exchange Traded Fund 922908744   54,054 337 SH   OTR   0 337 0
VERIZON COMMUNICATIONS, INC. Common Stock 92343V104   293,423 7,115 SH   SOLE   7,115 0 0
VERIZON COMMUNICATIONS, INC. Common Stock 92343V104   1,691 41 SH   OTR   0 0 41
WAL MART STORES, INC. Common Stock 931142103   400,369 5,913 SH   SOLE   5,913 0 0