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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 231 1,952 SH   SOLE   1,952 0 0
ABBVIE INC COM 00287Y109 219 2,031 SH   SOLE   2,031 0 0
ALPHABET INC CAP STK CL C 02079K107 1,349 506 SH   SOLE   506 0 0
ALPHABET INC CAP STK CL A 02079K305 1,166 436 SH   SOLE   424 0 12
ALTRIA GROUP INC COM 02209S103 880 19,324 SH   SOLE   17,106 0 2,218
AMAZON COM INC COM 023135106 3,972 1,209 SH   SOLE   1,047 0 162
AMAZON COM INC COM 023135106 200 61 SH   OTR   53 0 8
AMERISERV FINL INC COM 03074A102 2,347 604,226 SH   SOLE   8,000 0 596,226
AMGEN INC COM 031162100 1,032 4,852 SH   SOLE   4,852 0 0
ANSYS INC COM 03662Q105 255 750 SH   SOLE   0 0 750
APPLE INC COM 037833100 5,193 36,703 SH   SOLE   31,015 0 5,688
APPLE INC COM 037833100 291 2,057 SH   OTR   1,909 0 148
BP PLC SPONSORED ADR 055622104 723 26,457 SH   SOLE   0 0 26,457
BK OF AMERICA CORP COM 060505104 241 5,678 SH   SOLE   40 0 5,638
BECTON DICKINSON & CO COM 075887109 295 1,202 SH   SOLE   1,202 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 285 1,045 SH   SOLE   1,045 0 0
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 2,658 103,215 SH   SOLE   103,215 0 0
BLACKROCK MUNIYIELD FD INC COM 09253W104 332 22,375 SH   SOLE   0 0 22,375
BOOKING HOLDINGS INC COM 09857L108 442 186 SH   SOLE   186 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 730 12,333 SH   SOLE   11,845 0 488
CVS HEALTH CORP COM 126650100 286 3,366 SH   SOLE   1,715 0 1,651
CISCO SYS INC COM 17275R102 496 9,114 SH   SOLE   7,014 0 2,100
CITIGROUP INC COM NEW 172967424 271 3,855 SH   SOLE   831 0 3,024
DANAHER CORPORATION COM 235851102 1,673 5,496 SH   SOLE   5,496 0 0
DISNEY WALT CO COM 254687106 855 5,057 SH   SOLE   4,303 0 754
DOCUSIGN INC COM 256163106 257 1,000 SH   SOLE   0 0 1,000
DUKE ENERGY CORP NEW COM NEW 26441C204 950 9,733 SH   SOLE   9,659 0 74
EXELON CORP COM 30161N101 907 18,754 SH   SOLE   18,754 0 0
EXXON MOBIL CORP COM 30231G102 344 5,853 SH   SOLE   2,064 0 3,789
F N B CORP COM 302520101 388 33,398 SH   SOLE   12,012 0 21,386
FACEBOOK INC CL A 30303M102 392 1,156 SH   SOLE   1,106 0 50
FREEPORT-MCMORAN INC CL B 35671D857 504 15,497 SH   SOLE   15,304 0 193
GABELLI EQUITY TR INC COM 362397101 199 29,881 SH   SOLE   29,881 0 0
GENERAL MLS INC COM 370334104 308 5,142 SH   SOLE   5,142 0 0
HOME DEPOT INC COM 437076102 886 2,699 SH   SOLE   2,655 0 44
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,279 8,540 SH   SOLE   8,475 0 65
ISHARES TR CORE S&P500 ETF 464287200 302 700 SH   SOLE   700 0 0
ISHARES TR CORE S&P500 ETF 464287200 337 782 SH   OTR   782 0 0
ISHARES TR IBOXX HI YD ETF 464288513 328 3,745 SH   SOLE   3,745 0 0
ISHARES TR PFD AND INCM SEC 464288687 406 10,470 SH   SOLE   0 0 10,470
JPMORGAN CHASE & CO COM 46625H100 516 3,154 SH   SOLE   1,213 0 1,941
JOHNSON & JOHNSON COM 478160104 1,030 6,376 SH   SOLE   6,289 0 87
KROGER CO COM 501044101 491 12,140 SH   SOLE   9,140 0 3,000
LILLY ELI & CO COM 532457108 1,160 5,020 SH   SOLE   2,178 0 2,842
LIVE OAK BANCSHARES INC COM 53803X105 7,148 112,344 SH   SOLE   0 0 112,344
MASTERCARD INCORPORATED CL A 57636Q104 209 600 SH   SOLE   410 0 190
MCDONALDS CORP COM 580135101 597 2,476 SH   SOLE   2,276 0 200
MICROSOFT CORP COM 594918104 2,612 9,266 SH   SOLE   9,025 0 241
NIKE INC CL B 654106103 1,306 8,994 SH   SOLE   8,994 0 0
NUCOR CORP COM 670346105 1,694 17,197 SH   SOLE   17,149 0 48
NUVEEN QUALITY MUNCP INCOME COM 67066V101 242 15,504 SH   SOLE   0 0 15,504
NUVEEN PENNSYLVANIA QLT MUN COM 670972108 518 35,006 SH   SOLE   35,006 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,635 8,357 SH   SOLE   8,175 0 182
PAYPAL HLDGS INC COM 70450Y103 1,390 5,341 SH   SOLE   5,341 0 0
PAYPAL HLDGS INC COM 70450Y103 258 991 SH   OTR   991 0 0
PEPSICO INC COM 713448108 1,456 9,678 SH   SOLE   9,678 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107 26,759 223,328 SH   SOLE   222,471 0 857
PROSHARES TR PSHS ULT S&P 500 74347R107 428 3,576 SH   OTR   3,576 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 11,659 160,220 SH   SOLE   159,674 0 546
PROSHARES TR PSHS ULTRA QQQ 74347R206 207 2,842 SH   OTR   2,842 0 0
PRUDENTIAL FINL INC COM 744320102 1,357 12,902 SH   SOLE   12,816 0 86
SPDR S&P 500 ETF TR TR UNIT 78462F103 851 1,983 SH   SOLE   1,453 0 530
SPDR S&P 500 ETF TR TR UNIT 78462F103 401 934 SH   OTR   934 0 0
UNITED PARCEL SERVICE INC CL B 911312106 228 1,250 SH   SOLE   250 0 1,000
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 23,434 59,416 SH   SOLE   59,199 0 217
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 365 925 SH   OTR   925 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 838 15,518 SH   SOLE   15,170 0 348
VIACOMCBS INC CL B 92556H206 356 9,000 SH   SOLE   0 0 9,000
VISA INC COM CL A 92826C839 3,143 14,112 SH   SOLE   13,761 0 351
VISA INC COM CL A 92826C839 311 1,396 SH   OTR   1,330 0 66
WALMART INC COM 931142103 845 6,061 SH   SOLE   4,061 0 2,000
QUOTIENT LTD SHS G73268107 87 37,000 SH   SOLE   2,000 0 35,000
SPOTIFY TECHNOLOGY S A SHS L8681T102 248 1,100 SH   SOLE   100 0 1,000
ROYAL CARIBBEAN GROUP COM V7780T103 1,804 20,282 SH   SOLE   20,225 0 57