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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101   311,940 2,853 SH   SOLE 0 2,653 0 200
Abbvie Inc COM 00287Y109   345,893 2,232 SH   SOLE 0 2,232 0 0
Adobe Inc COM 00724F101   544,099 912 SH   SOLE 0 912 0 0
Alphabet Inc. Class A COM 02079K305   1,056,056 7,560 SH   SOLE 0 7,060 0 500
Alphabet Inc. Class C COM 02079K107   1,532,614 10,875 SH   SOLE 0 10,375 0 500
Altria Group Inc COM 02209S103   1,048,275 25,986 SH   SOLE 0 24,986 0 1,000
Amazon.Com COM 023135106   463,417 3,050 SH   SOLE 0 3,050 0 0
Apple Inc. COM 037833100   2,316,521 12,032 SH   SOLE 0 12,032 0 0
AT&T Corp. COM 00206r102   340,332 20,282 SH   SOLE 0 20,282 0 0
Automatic Data Processing COM 053015103   219,691 943 SH   SOLE 0 943 0 0
Becton Dickinson COM 075887109   446,453 1,831 SH   SOLE 0 1,831 0 0
Berkshire Hathaway Inc. Class B COM 084670702   1,414,514 3,966 SH   SOLE 0 3,966 0 0
Berkshire Htwy Cl A 1/100 COM 084990175   542,625 100 SH   SOLE 0 100 0 0
Boeing Co COM 097023105   607,338 2,330 SH   SOLE 0 2,330 0 0
Bristol Myers Squibb Co COM 110122108   276,715 5,393 SH   SOLE 0 5,393 0 0
Caterpillar COM 149123101   275,860 933 SH   SOLE 0 933 0 0
Chevron Corporation COM 166764100   752,363 5,044 SH   SOLE 0 5,044 0 0
Church & Dwight Co Inc COM 171340102   860,496 9,100 SH   SOLE 0 9,100 0 0
ConocoPhillips COM 20825c104   751,669 6,476 SH   SOLE 0 6,476 0 0
Consolidated Edison COM 209115104   207,321 2,279 SH   SOLE 0 2,079 0 200
Corning Inc COM 219350105   299,080 9,822 SH   SOLE 0 9,822 0 0
Deere & Co COM 244199105   1,043,661 2,610 SH   SOLE 0 2,610 0 0
Discover Financial Services COM 254709108   283,248 2,520 SH   SOLE 0 2,520 0 0
Eaton Corp PLC COM G29183103   577,727 2,399 SH   SOLE 0 2,399 0 0
Eli Lilly & Co COM 532457108   524,045 899 SH   SOLE 0 899 0 0
Emerson Electric COM 291011104   215,002 2,209 SH   SOLE 0 2,209 0 0
Equifax Inc COM 294429105   500,762 2,025 SH   SOLE 0 2,025 0 0
Erie Indemnity Co COM 29530P102   12,687,774 37,883 SH   SOLE 0 37,883 0 0
Exxon Mobil Corp COM 30231G102   1,018,641 10,188 SH   SOLE 0 9,788 0 400
Fedex Corp COM 31428X106   305,841 1,209 SH   SOLE 0 1,209 0 0
General Mills COM 370334104   694,914 10,668 SH   SOLE 0 10,668 0 0
Home Depot Inc COM 437076102   1,097,524 3,167 SH   SOLE 0 3,167 0 0
Honeywell International COM 438516106   268,009 1,278 SH   SOLE 0 1,278 0 0
HP Inc. COM 40434L105   390,568 12,980 SH   SOLE 0 12,980 0 0
Illinois Tool Works COM 452308109   517,332 1,975 SH   SOLE 0 1,975 0 0
Intel Corp COM 458140100   860,833 17,131 SH   SOLE 0 17,131 0 0
Invesco QQQ Nasdaq 100 ETF 73935A104   378,806 925 SH   SOLE 0 925 0 0
iShares 20 Yr Treasury Bond ETF ETF 464287432   528,612 5,346 SH   SOLE 0 5,346 0 0
iShares Core S&P 500 ETF ETF 464287200   2,203,785 4,614 SH   SOLE 0 4,314 0 300
iShares Core U.S. Agg Bond ETF ETF 464287226   232,444 2,342 SH   SOLE 0 2,195 0 147
iShares IBoxx Inv Gr Corp Bd ETF 464287242   230,837 2,086 SH   SOLE 0 2,086 0 0
iShares Russell 2000 ETF ETF 464287655   265,698 1,324 SH   SOLE 0 1,324 0 0
iShares Russell 2000 Value ETF ETF 464287630   310,505 1,999 SH   SOLE 0 1,999 0 0
iShares Russell MC Growth ETF ETF 464287481   1,104,665 10,575 SH   SOLE 0 10,575 0 0
iShares Russell MC Index ETF ETF 464287499   455,031 5,854 SH   SOLE 0 5,854 0 0
iShares Russell MC Value ETF ETF 464287473   976,836 8,400 SH   SOLE 0 8,400 0 0
JM Smucker Co COM 832696405   292,696 2,316 SH   SOLE 0 2,316 0 0
Johnson & Johnson COM 478160104   1,564,461 9,981 SH   SOLE 0 9,731 0 250
JPMorgan Chase & Co. COM 46625H100   423,719 2,491 SH   SOLE 0 2,491 0 0
L3 Harris Technologies Inc. COM 502431109   1,089,537 5,173 SH   SOLE 0 5,173 0 0
Lowe's Companies Inc COM 548661107   291,318 1,309 SH   SOLE 0 1,309 0 0
Marriott International - CL A COM 571903202   810,032 3,592 SH   SOLE 0 3,592 0 0
Mastercard Inc COM 57636Q104   690,946 1,620 SH   SOLE 0 1,620 0 0
McDonald's Corp. COM 580135101   622,671 2,100 SH   SOLE 0 2,075 0 25
Merck & Co. COM 589331107   227,416 2,086 SH   SOLE 0 2,086 0 0
Metlife Inc. COM 59156r108   345,728 5,228 SH   SOLE 0 5,228 0 0
Microsoft Corp COM 594918104   4,923,492 13,093 SH   SOLE 0 13,093 0 0
Nestle S.A. ADR COM 641069406   543,461 4,700 SH   SOLE 0 4,400 0 300
Nextera Energy Inc Co COM 65339f101   380,354 6,262 SH   SOLE 0 6,262 0 0
Norfolk Southern Corp. COM 655844108   898,244 3,800 SH   SOLE 0 3,800 0 0
Nvidia Corp COM 67066G104   855,245 1,727 SH   SOLE 0 1,727 0 0
Oneok Inc. COM 682680103   551,227 7,850 SH   SOLE 0 7,450 0 400
Oracle Corp COM 68389X105   425,807 4,039 SH   SOLE 0 4,039 0 0
Parker-Hannifin Corp COM 701094104   945,356 2,052 SH   SOLE 0 2,052 0 0
Pepsico Inc COM 713448108   725,217 4,270 SH   SOLE 0 4,170 0 100
Pfizer Inc COM 717081103   363,387 12,622 SH   SOLE 0 12,122 0 500
Philip Morris Int'l COM 718172109   1,513,559 16,088 SH   SOLE 0 15,613 0 475
Phillips 66 Co COM 718546104   452,676 3,400 SH   SOLE 0 3,400 0 0
PNC Financial Svcs COM 693475105   253,799 1,639 SH   SOLE 0 1,639 0 0
PPG Industries Inc. COM 693506107   672,825 4,499 SH   SOLE 0 4,499 0 0
Procter & Gamble Co COM 742718109   1,711,880 11,682 SH   SOLE 0 11,582 0 100
Qualcomm Inc COM 747525103   285,789 1,976 SH   SOLE 0 1,976 0 0
Raytheon Technologies Co COM 75513E101   486,582 5,783 SH   SOLE 0 5,783 0 0
Republic Services Inc. COM 760759100   901,233 5,465 SH   SOLE 0 5,465 0 0
Schwab US Small Cap ETF ETF 808524607   220,705 4,672 SH   SOLE 0 4,672 0 0
SchwabUS LCap ETF ETF 808524201   1,511,633 26,802 SH   SOLE 0 26,802 0 0
Seagate Technology Holdings PLC COM G7945M107   211,205 2,474 SH   SOLE 0 2,474 0 0
Southern Co COM 842587107   241,914 3,450 SH   SOLE 0 3,450 0 0
SPDR Gold Trust ETF ETF 78463v107   888,941 4,650 SH   SOLE 0 4,600 0 50
SPDR S&P 500 ETF ETF 78462F103   1,994,735 4,197 SH   SOLE 0 4,197 0 0
Stanley Black & Decker Inc. COM 854502101   259,965 2,650 SH   SOLE 0 2,650 0 0
Thermo Fisher Scientific Inc. COM 883556102   371,553 700 SH   SOLE 0 700 0 0
Union Pacific Corp. COM 907818108   2,589,817 10,544 SH   SOLE 0 10,344 0 200
Unitedhealth Group Inc COM 91324P102   305,879 581 SH   SOLE 0 581 0 0
US Bancorp Del Com New COM 902973304   307,894 7,114 SH   SOLE 0 7,114 0 0
Vanguard Large Cap ETF ETF 922908637   280,759 1,287 SH   SOLE 0 1,287 0 0
Vanguard TTL Stock Mkt ETF ETF 922908769   259,519 1,094 SH   SOLE 0 1,094 0 0
Verizon Communications COM 92343V104   374,663 9,938 SH   SOLE 0 9,886 0 52
Vertex Pharmaceuticals COM 92532F100   406,890 1,000 SH   SOLE 0 1,000 0 0
Visa Inc. COM 92826c839   964,597 3,705 SH   SOLE 0 3,705 0 0
W. W. Grainger Inc. COM 384802104   517,931 625 SH   SOLE 0 625 0 0
Wabtec Corp COM 929740108   1,708,074 13,460 SH   SOLE 0 13,260 0 200
WalMart Inc. COM 931142103   314,196 1,993 SH   SOLE 0 1,993 0 0
Waste Management Inc. COM 94106L109   1,101,465 6,150 SH   SOLE 0 6,150 0 0