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
ABBVIE INC COM 00287Y109 238 1,775 SH   SOLE   1,775 0 0
ALTRIA GROUP INC COM 02209S103 681 16,870 SH   SOLE   14,652 0 2,218
AMAZON COM INC COM 023135106 486 4,300 SH   SOLE   260 0 4,040
AMERISERV FINL INC COM 03074A102 2,325 611,927 SH   SOLE   0 0 611,927
APPLE INC COM 037833100 1,768 12,792 SH   SOLE   7,238 0 5,554
APPLE INC COM 037833100 267 1,935 SH   OTR   1,787 0 148
BP PLC SPONSORED ADR 055622104 798 27,957 SH   SOLE   0 0 27,957
BECTON DICKINSON & CO COM 075887109 268 1,202 SH   SOLE   1,202 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,538 5,761 SH   SOLE   5,761 0 0
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 202 12,302 SH   SOLE   12,302 0 0
BLACKROCK MUNIYIELD FD INC COM 09253W104 222 22,375 SH   SOLE   0 0 22,375
BRISTOL-MYERS SQUIBB CO COM 110122108 778 10,950 SH   SOLE   10,462 0 488
CHEVRON CORP NEW COM 166764100 259 1,803 SH   SOLE   379 0 1,424
CONSTELLATION ENERGY CORP COM 21037T109 491 5,898 SH   SOLE   5,898 0 0
DANAHER CORPORATION COM 235851102 1,404 5,436 SH   SOLE   5,436 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 986 10,603 SH   SOLE   10,529 0 74
EXELON CORP COM 30161N101 683 18,232 SH   SOLE   18,232 0 0
EXXON MOBIL CORP COM 30231G102 686 7,857 SH   SOLE   2,064 0 5,793
F N B CORP COM 302520101 359 30,937 SH   SOLE   12,012 0 18,925
GENERAL MLS INC COM 370334104 385 5,022 SH   SOLE   5,022 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,613 20,531 SH   SOLE   20,531 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 277 2,178 SH   OTR   2,178 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 622 15,899 SH   SOLE   15,899 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 223 5,694 SH   OTR   5,694 0 0
ISHARES TR CORE S&P500 ETF 464287200 321 895 SH   SOLE   895 0 0
ISHARES TR CORE S&P500 ETF 464287200 264 737 SH   OTR   737 0 0
ISHARES TR PFD AND INCM SEC 464288687 458 14,470 SH   SOLE   0 0 14,470
ISHARES TR US DIVID BYBCK 46435U861 577 17,075 SH   SOLE   17,075 0 0
JPMORGAN CHASE & CO COM 46625H100 300 2,868 SH   SOLE   1,153 0 1,715
JOHNSON & JOHNSON COM 478160104 935 5,726 SH   SOLE   5,639 0 87
KROGER CO COM 501044101 527 12,040 SH   SOLE   9,040 0 3,000
LILLY ELI & CO COM 532457108 1,587 4,909 SH   SOLE   3,814 0 1,095
LIVE OAK BANCSHARES INC COM 53803X105 3,438 112,344 SH   SOLE   0 0 112,344
MCDONALDS CORP COM 580135101 578 2,506 SH   SOLE   2,306 0 200
MICROSOFT CORP COM 594918104 644 2,766 SH   SOLE   2,651 0 115
NIKE INC CL B 654106103 208 2,497 SH   SOLE   2,497 0 0
NUCOR CORP COM 670346105 398 3,721 SH   SOLE   3,721 0 0
NVIDIA CORPORATION COM 67066G104 238 1,964 SH   SOLE   464 0 1,500
NUVEEN QUALITY MUNCP INCOME COM 67066V101 171 15,504 SH   SOLE   0 0 15,504
NUVEEN PENNSYLVANIA QLT MUN COM 670972108 365 33,281 SH   SOLE   33,281 0 0
OCCIDENTAL PETE CORP COM 674599105 399 6,500 SH   SOLE   0 0 6,500
PNC FINL SVCS GROUP INC COM 693475105 228 1,524 SH   SOLE   1,412 0 112
PEPSICO INC COM 713448108 687 4,208 SH   SOLE   4,208 0 0
PRUDENTIAL FINL INC COM 744320102 244 2,847 SH   SOLE   2,847 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 600 1,680 SH   SOLE   1,150 0 530
SPDR S&P 500 ETF TR TR UNIT 78462F103 334 934 SH   OTR   934 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,932 8,930 SH   SOLE   8,930 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,189 9,633 SH   SOLE   9,633 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 248 2,008 SH   OTR   2,008 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 247 6,506 SH   SOLE   6,158 0 348
VISA INC COM CL A 92826C839 558 3,142 SH   SOLE   2,882 0 260
VISA INC COM CL A 92826C839 244 1,371 SH   OTR   1,305 0 66
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 7,915 157,421 SH   SOLE   157,421 0 0
QUOTIENT LTD SHS G73268107 6 37,000 SH   SOLE   0 0 37,000