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
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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
3M Company COM 88579Y101 717 5,541 SH   SOLE 0 4,441 0 1,100
Adobe Inc COM 00724F101 344 939 SH   SOLE 0 939 0 0
Alphabet Inc. Class A COM 02079K305 922 423 SH   SOLE 0 398 0 25
Alphabet Inc. Class C COM 02079K107 1,008 461 SH   SOLE 0 436 0 25
Altria Group Inc COM 02209S103 1,110 26,562 SH   SOLE 0 24,962 0 1,600
Anpac Bio-Med Science COM 03635R107 5 17,600 SH   SOLE 0 17,600 0 0
Apple Inc. COM 037833100 1,286 9,407 SH   SOLE 0 9,407 0 0
AT&T Corp. COM 00206r102 619 29,515 SH   SOLE 0 27,115 0 2,400
Becton Dickinson COM 075887109 525 2,131 SH   SOLE 0 2,131 0 0
Berkshire Hathaway Inc., Class B COM 084670702 1,110 4,066 SH   SOLE 0 4,066 0 0
Berkshire Htwy Cl A 1/100 COM 084990175 409 100 SH   SOLE 0 100 0 0
Boeing Co COM 097023105 343 2,510 SH   SOLE 0 2,510 0 0
BP PLC ADR COM 055622104 209 7,362 SH   SOLE 0 4,362 0 3,000
Bristol Myers Squibb Co COM 110122108 598 7,765 SH   SOLE 0 7,165 0 600
Chevron Corporation COM 166764100 674 4,652 SH   SOLE 0 4,652 0 0
Church & Dwight Co Inc COM 171340102 927 10,000 SH   SOLE 0 10,000 0 0
ConocoPhillips COM 20825c104 622 6,925 SH   SOLE 0 6,925 0 0
Consolidated Edison COM 209115104 226 2,375 SH   SOLE 0 2,175 0 200
Corning Inc COM 219350105 315 10,000 SH   SOLE 0 10,000 0 0
Deere & Co COM 244199105 1,111 3,710 SH   SOLE 0 3,470 0 240
Discover Financial Services COM 254709108 275 2,905 SH   SOLE 0 2,905 0 0
Eaton Corp PLC COM G29183103 351 2,789 SH   SOLE 0 2,789 0 0
Equifax Inc COM 294429105 553 3,025 SH   SOLE 0 3,025 0 0
Erie Indemnity Co COM 29530P102 7,953 41,383 SH   SOLE 0 41,383 0 0
Exxon Mobil Corp COM 30231G102 1,004 11,717 SH   SOLE 0 5,618 0 6,100
Fedex Corp COM 31428X106 266 1,175 SH   SOLE 0 1,175 0 0
General Mills COM 370334104 863 11,444 SH   SOLE 0 11,444 0 0
Home Depot Inc COM 437076102 1,143 4,167 SH   SOLE 0 4,167 0 0
HP Inc. COM 40434L105 424 12,930 SH   SOLE 0 12,930 0 0
Illinois Tool Works COM 452308109 360 1,975 SH   SOLE 0 1,975 0 0
Intel Corp COM 458140100 773 20,657 SH   SOLE 0 19,757 0 900
Invesco QQQ Nasdaq 100 ETF 73935A104 261 932 SH   SOLE 0 932 0 0
iShares Core S&P 500 ETF ETF 464287200 2,148 5,664 SH   SOLE 0 5,364 0 300
iShares Core U.S. Agg Bond ETF ETF 464287226 264 2,600 SH   SOLE 0 2,350 0 250
iShares IBoxx Inv Gr Corp Bd ETF 464287242 231 2,100 SH   SOLE 0 2,100 0 0
iShares Russell 2000 ETF ETF 464287655 236 1,390 SH   SOLE 0 1,391 0 0
iShares Russell 2000 Growth ETF ETF 464287648 247 1,199 SH   SOLE 0 1,199 0 0
iShares Russell 2000 Value ETF ETF 464287630 252 1,848 SH   SOLE 0 1,848 0 0
iShares Russell MC Growth ETF ETF 464287481 903 11,395 SH   SOLE 0 11,395 0 0
iShares Russell MC Index ETF ETF 464287499 400 6,186 SH   SOLE 0 6,186 0 0
iShares Russell MC Value ETF ETF 464287473 835 8,224 SH   SOLE 0 8,224 0 0
JM Smucker Co COM 832696405 360 2,815 SH   SOLE 0 2,815 0 0
Johnson & Johnson COM 478160104 1,961 11,046 SH   SOLE 0 8,846 0 2,200
JPMorgan Chase & Co. COM 46625H100 309 2,741 SH   SOLE 0 2,741 0 0
L3 Harris Technologies Inc. COM 502431109 1,275 5,276 SH   SOLE 0 4,836 0 440
Lowe's Companies Inc COM 548661107 310 1,775 SH   SOLE 0 1,775 0 0
Marriott International - CL A COM 571903202 625 4,592 SH   SOLE 0 4,592 0 0
Mastercard Inc COM 57636Q104 1,607 5,095 SH   SOLE 0 5,095 0 0
McDonald's Corp. COM 580135101 562 2,275 SH   SOLE 0 2,175 0 100
Metlife Inc. COM 59156r108 422 6,713 SH   SOLE 0 6,713 0 0
Microsoft Corp COM 594918104 4,059 15,805 SH   SOLE 0 15,805 0 0
Nestle S.A. ADR COM 641069406 768 6,600 SH   SOLE 0 6,000 0 600
Nextera Energy Inc Co COM 65339f101 372 4,800 SH   SOLE 0 4,800 0 0
Nike Inc. CL B COM 654106103 216 2,114 SH   SOLE 0 2,114 0 0
Norfolk Southern Corp. COM 655844108 909 4,000 SH   SOLE 0 4,000 0 0
Nvidia Corp COM 67066G104 257 1,694 SH   SOLE 0 1,694 0 0
Oneok Inc. COM 682680103 480 8,650 SH   SOLE 0 8,250 0 400
Oracle Corp COM 68389X105 285 4,082 SH   SOLE 0 4,083 0 0
Parker-Hannifin Corp COM 701094104 528 2,146 SH   SOLE 0 2,146 0 0
Pepsico Inc COM 713448108 865 5,190 SH   SOLE 0 5,190 0 0
Pfizer Inc COM 717081103 712 13,582 SH   SOLE 0 11,882 0 1,700
Philip Morris Int'l COM 718172109 1,731 17,530 SH   SOLE 0 16,430 0 1,100
Phillips 66 Co COM 718546104 320 3,899 SH   SOLE 0 3,899 0 0
PPG Industries, Inc. COM 693506107 434 3,792 SH   SOLE 0 3,792 0 0
Procter & Gamble Co COM 742718109 1,708 11,877 SH   SOLE 0 11,477 0 400
ProShares VIX Short-Term Futures ETF 74347W361 695 38,100 SH   SOLE 0 38,100 0 0
Qualcomm Inc COM 747525103 221 1,731 SH   SOLE 0 1,731 0 0
Raytheon Technologies Co COM 75513E101 589 6,127 SH   SOLE 0 6,127 0 0
Republic Services Inc. COM 760759100 807 6,165 SH   SOLE 0 6,165 0 0
SchwabUS LCap ETF ETF 808524201 1,346 30,130 SH   SOLE 0 30,130 0 0
Seagate Technology Holdings PLC COM G7945M107 211 2,948 SH   SOLE 0 2,948 0 0
Shell PLC ADR COM 780259305 204 3,900 SH   SOLE 0 3,000 0 900
Southern Co COM 842587107 225 3,150 SH   SOLE 0 1,950 0 1,200
SPDR Gold Trust ETF ETF 78463v107 922 5,475 SH   SOLE 0 5,425 0 50
SPDR S&P 500 ETF ETF 78462F103 1,585 4,200 SH   SOLE 0 4,201 0 0
Stanley Black & Decker Inc. COM 854502101 288 2,750 SH   SOLE 0 2,750 0 0
Thermo Fisher Scientific Inc. COM 883556102 380 700 SH   SOLE 0 700 0 0
Travelers Cos Inc COM 89417E109 223 1,320 SH   SOLE 0 420 0 900
Union Pacific Corp. COM 907818108 2,870 13,458 SH   SOLE 0 4,768 0 8,690
Unitedhealth Group Inc COM 91324P102 565 1,100 SH   SOLE 0 1,100 0 0
Vanguard Large Cap ETF ETF 922908637 222 1,287 SH   SOLE 0 1,287 0 0
Vanguard TTL Stock Mkt ETF ETF 922908769 252 1,337 SH   SOLE 0 1,337 0 0
Verizon Communications COM 92343V104 1,168 23,020 SH   SOLE 0 22,168 0 852
Vertex Pharmaceuticals COM 92532F100 282 1,000 SH   SOLE 0 1,000 0 0
Visa Inc. COM 92826c839 862 4,376 SH   SOLE 0 4,376 0 0
W. W. Grainger Inc. COM 384802104 284 625 SH   SOLE 0 625 0 0
Wabtec Corp COM 929740108 1,343 16,366 SH   SOLE 0 16,147 0 219
WalMart Inc. COM 931142103 244 2,010 SH   SOLE 0 2,010 0 0
Waste Management Inc. COM 94106L109 1,056 6,900 SH   SOLE 0 6,900 0 0