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
AMERICAN AIRLS GROUP INC COM 02376R102 37 2,070 SH   SOLE NONE 0 0 2,070
APPLE INC COM 037833100 896 5,135 SH   SOLE NONE 0 0 5,135
ABBOTT LABS COM 002824100 130 1,100 SH   SOLE NONE 0 0 1,100
ARCH CAP GROUP LTD ORD G0450A105 3,412 70,472 SH   SOLE NONE 0 0 70,472
AMERICAN ELEC PWR INC COM 025537101 199 2,000 SH   SOLE NONE 0 0 2,000
AFLAC INC COM 001055102 41 646 SH   SOLE NONE 0 0 646
ALASKA AIR GROUP INC COM 011659109 45 790 SH   SOLE NONE 0 0 790
ISHARES TR GRWT ALLOCAT ETF 464289867 35 664 SH   SOLE NONE 0 0 664
ARES CAP CORP COM 04010L103 2,791 133,262 SH   SOLE NONE 0 0 133,262
AMERICAN EXPRESS CO COM 025816109 63 340 SH   SOLE NONE 0 0 340
BOEING CO COM 097023105 156 815 SH   SOLE NONE 0 0 815
BUNGE LIMITED COM G16962105 110 1,000 SH   SOLE NONE 0 0 1,000
BANK OF NEW YORK MELLON CORP COM 064058100 70 1,428 SH   SOLE NONE 0 0 1,428
BOOKING HOLDINGS INC COM 09857L108 4,227 1,800 SH   SOLE NONE 0 0 1,800
BLACKROCK HEALTH SCIENCES TR COM 09250W107 36 801 SH   SOLE NONE 0 0 801
BRISTOL MYERS SQUIBB CO COM 110122108 6,132 83,966 SH   SOLE NONE 0 0 83,966
VANGUARD TOTAL BOND MARKET TOTAL BND MRKT 921937835 110 1,383 SH   SOLE NONE 0 0 1,383
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 264 750 SH   SOLE NONE 0 0 750
BOSTON SCIENTIFIC CORP COM 101137107 8 200 SH   SOLE NONE 0 0 200
BLACKSTONE INC COM 09260D107 26 210 SH   SOLE NONE 0 0 210
CATERPILLAR INC COM 149123101 437 1,965 SH   SOLE NONE 0 0 1,965
CONSTELLATION ENERGY CORP COM 21037T109 5 90 SH   SOLE NONE 0 0 90
COMCAST CORP NEW CL A 20030N101 123 2,645 SH   SOLE NONE 0 0 2,645
CENTENE CORP DEL CO COM 15135B101 8 100 SH   SOLE NONE 0 0 100
CANADIAN NATL RY CO COM 136375102 26 201 SH   SOLE NONE 0 0 201
CAPITAL ONE FINANCIAL CORPORATION COM 14040H105 25 197 SH   SOLE NONE 0 0 197
CONOCOPHILLIPS COM 20825C104 21 210 SH   SOLE NONE 0 0 210
CISCO SYS INC COM 17275R102 4,784 85,805 SH   SOLE NONE 0 0 85,805
CSX CORP COM 126408103 156 4,170 SH   SOLE NONE 0 0 4,170
DOMINION ENERGY INC COM 25746U109 84 1,000 SH   SOLE NONE 0 0 1,000
DEERE & CO COM 244199105 48 116 SH   SOLE NONE 0 0 116
QUEST DIAGNOSTICS INC COM 74834L100 2,966 21,679 SH   SOLE NONE 0 0 21,679
DISNEY WALT CO COM 254687106 5,434 39,621 SH   SOLE NONE 0 0 39,621
ISHARES TR SELECT DIVID ETF 464287168 64 500 SH   SOLE NONE 0 0 500
WISDOMTREE JAPAN HEDGED JAPN HEDGE EQT 97717W851 50 789 SH   SOLE NONE 0 0 789
EBAY INC. COM 278642103 25 445 SH   SOLE NONE 0 0 445
ISHARES MSCI EMERGING MARKETS MSCI EMG MKT ETF 464287234 61 1,363 SH   SOLE NONE 0 0 1,363
EPR PPTYS COM SH BEN INT 26884U109 10 184 SH   SOLE NONE 0 0 184
EQT CORP COM 26884L109 18 550 SH   SOLE NONE 0 0 550
EQUITRANS MIDSTREAM CORPORAT COM 294600101 3 440 SH   SOLE NONE 0 0 440
EXELON CORP COM 30161N101 12 271 SH   SOLE NONE 0 0 271
FORD MTR CO DEL COM 345370860 19 1,125 SH   SOLE NONE 0 0 1,125
FREEPORT-MCMORAN INC CL B 35671D857 4 100 SH   SOLE NONE 0 0 100
F.N.B. CORP COM 302520101 4,917 394,971 SH   SOLE NONE 0 0 394,971
FULTON FINL CORP PA COM 360271100 13 800 SH   SOLE NONE 0 0 800
GENERAL ELECTRIC CO COM NEW 369604301 3 39 SH   SOLE NONE 0 0 39
SPDR GOLD TRUST GOLD SHS 78463V107 11,013 60,964 SH   SOLE NONE 0 0 60,964
GOOGLE INC CAP STK CL C 02079K107 7,954 2,848 SH   SOLE NONE 0 0 2,848
GOOGLE INC CAP STK CL A 02079K305 27 10 SH   SOLE NONE 0 0 10
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 7 183 SH   SOLE NONE 0 0 183
HANESBRANDS INC COM 410345102 3,698 248,357 SH   SOLE NONE 0 0 248,357
WELLTOWER INC COM 95040Q104 144 1,500 SH   SOLE NONE 0 0 1,500
HOME DEPOT INC COM 437076102 14 50 SH   SOLE NONE 0 0 50
HARLEY DAVIDSON INC COM 412822108 19 500 SH   SOLE NONE 0 0 500
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305 327 8,898 SH   SOLE NONE 0 0 8,898
INTERNATIONAL BUSINESS MACHS COM 459200101 58 450 SH   SOLE NONE 0 0 450
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 52 400 SH   SOLE NONE 0 0 400
VOYA GLBL EQTY DIV & PREM OP COM 92912T100 20 3,430 SH   SOLE NONE 0 0 3,430
ISHARES TR EXPANDED TECH 464287515 10,416 30,197 SH   SOLE NONE 0 0 30,197
INTEL CORP COM 458140100 5 104 SH   SOLE NONE 0 0 104
INTUIT COM 461202103 48 100 SH   SOLE NONE 0 0 100
INTERNATIONAL PAPER CO COM 460146103 1 31 SH   SOLE NONE 0 0 31
INVESCO QUALITY MUN INCOME T COM 46133G107 45 4,014 SH   SOLE NONE 0 0 4,014
ISHARES TR MSCI INTL QUALTY 46434V456 11 310 SH   SOLE NONE 0 0 310
INTUITIVE SURGICAL INC COM NEW 46120E602 69 231 SH   SOLE NONE 0 0 231
ISHARES TR RUS 1000 ETF 464287622 38 153 SH   SOLE NONE 0 0 153
ISHARES TR RUS 2000 GRW ETF 464287648 65 257 SH   SOLE NONE 0 0 257
J P MORGAN EXCHANGE-TRADED F CORE PLUS BD ETF 46641Q670 38 746 SH   SOLE NONE 0 0 746
JOHNSON & JOHNSON COM 478160104 17 101 SH   SOLE NONE 0 0 101
JPMORGAN CHASE & CO COM 46625H100 149 1,100 SH   SOLE NONE 0 0 1,100
KINDER MORGAN INC COM 49456B101 4,196 221,924 SH   SOLE NONE 0 0 221,924
CARMAX INC COM 143130102 2,530 26,230 SH   SOLE NONE 0 0 26,230
COCA COLA CO COM 191216100 66 1,080 SH   SOLE NONE 0 0 1,080
ISHARES BARCLAYS MBS BOND MBS ETF 464288588 157 1,549 SH   SOLE NONE 0 0 1,549
MONDELEZ INTL INC CL A 609207105 26 415 SH   SOLE NONE 0 0 415
MCCORMICK & CO INC COM NON VTG 579780206 31 318 SH   SOLE NONE 0 0 318
3M CO COM 88579Y101 2,393 16,079 SH   SOLE NONE 0 0 16,079
ALTRIA GROUP INC COM 02209S103 52 1,000 SH   SOLE NONE 0 0 1,000
MARATHON PETE CORP COM 56585A102 60 707 SH   SOLE NONE 0 0 707
MERCK & CO INC NEW COM 58933Y105 82 1,000 SH   SOLE NONE 0 0 1,000
MARATHON OIL CORP COM 565849106 6 259 SH   SOLE NONE 0 0 259
MICROSOFT CORP COM 594918104 176 573 SH   SOLE NONE 0 0 573
NUVEEN QUALITY MUNCP INCOME COM 67066V101 80 5,999 SH   SOLE NONE 0 0 5,999
NEXTERA ENERGY INC COM 65339F101 349 4,128 SH   SOLE NONE 0 0 4,128
NEWMONT CORP COM 651639106 63 805 SH   SOLE NONE 0 0 805
NATIONAL HEALTH INVS INC COM 63633D104 59 1,000 SH   SOLE NONE 0 0 1,000
Organon & Co COMMON STOCK 68622V106 3 100 SH   SOLE NONE 0 0 100
ONEOK INC NEW COM 682680103 18 264 SH   SOLE NONE 0 0 264
OLIN CORP COM PAR $1 680665205 5 100 SH   SOLE NONE 0 0 100
OCCIDENTAL PETE CORP COM 674599105 1 29 SH   SOLE NONE 0 0 29
HEALTHPEAK PROPERTIES INC COM 42250P103 34 1,000 SH   SOLE NONE 0 0 1,000
PROCTER & GAMBLE CO COM 742718109 46 303 SH   SOLE NONE 0 0 303
PHILIP MORRIS INTL INC COM 718172109 93 1,000 SH   SOLE NONE 0 0 1,000
PNC FINL SVCS GROUP INC COM 693475105 90 493 SH   SOLE NONE 0 0 493
PRUDENTIAL FINL INC COM 744320102 38 330 SH   SOLE NONE 0 0 330
PHILLIPS 66 COM 718546104 4 55 SH   SOLE NONE 0 0 55
PAYPAL HLDGS INC COM 70450Y103 11 100 SH   SOLE NONE 0 0 100
QUALCOMM INC COM 747525103 31 203 SH   SOLE NONE 0 0 203
INVESCO QQQ TR UNIT SER 1 46090E103 199 550 SH   SOLE NONE 0 0 550
REGENCY CTRS CORP COM 758849103 2,565 35,961 SH   SOLE NONE 0 0 35,961
RIO TINTO PLC SPONSORED ADR 767204100 80 1,000 SH   SOLE NONE 0 0 1,000
COHEN & STEERS QUALITY INCOM COM 19247L106 115 6,927 SH   SOLE NONE 0 0 6,927
RAYTHEON TECHNOLOGIES CORP COM 75513E101 3,832 38,688 SH   SOLE NONE 0 0 38,688
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 32 113 SH   SOLE NONE 0 0 113
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6 128 SH   SOLE NONE 0 0 128
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 49 1,116 SH   SOLE NONE 0 0 1,116
SPDR SERIES TRUST S&P DIVID ETF 78464A763 80 630 SH   SOLE NONE 0 0 630
JM SMUCKERS CO COM NEW 832696405 3,170 23,417 SH   SOLE NONE 0 0 23,417
SUN LIFE FINL INC COM 866796105 20 367 SH   SOLE NONE 0 0 367
SYLVAMO CORP COMMON STOCK 871332102 0 2 SH   SOLE NONE 0 0 2
SOUTHERN CO COM 842587107 3,469 47,851 SH   SOLE NONE 0 0 47,851
SPDR S&P 500 ETF TR TR UNIT 78462F103 180 400 SH   SOLE NONE 0 0 400
STRYKER CORP COM 863667101 80 300 SH   SOLE NONE 0 0 300
SYSCO CORP COM 871829107 3,135 38,404 SH   SOLE NONE 0 0 38,404
AT&T INC COM 00206R102 2,586 109,460 SH   SOLE NONE 0 0 109,460
HANOVER INS GROUP INC COM 410867105 38 256 SH   SOLE NONE 0 0 256
TJX COS INC NEW COM 872540109 3,790 62,566 SH   SOLE NONE 0 0 62,566
PRICE T ROWE GROUP INC COM 74144T108 68 450 SH   SOLE NONE 0 0 450
UNDER ARMOUR INC CL C 904311206 7 482 SH   SOLE NONE 0 0 482
UNDER ARMOUR INC CL C CL A 904311107 8 480 SH   SOLE NONE 0 0 480
UNION PACIFIC CORP COM 907818108 3,824 13,997 SH   SOLE NONE 0 0 13,997
UNITED PARCEL SERVICE INC CL B 911312106 85 400 SH   SOLE NONE 0 0 400
US BANCORP DEL COM NEW 902973304 4,051 76,230 SH   SOLE NONE 0 0 76,230
ISHARES TR MSCI USA MIN VOL 46429B697 77 1,000 SH   SOLE NONE 0 0 1,000
VISA INC COM CL A 92826C839 88 400 SH   SOLE NONE 0 0 400
VANGUARD INTERM-TERM CORP BOND INT-TERM CORP 92206C870 196 2,288 SH   SOLE NONE 0 0 2,288
VANGUARD SHORT-TERM CORP BOND SHRT TRM CORP BD 92206C409 203 2,602 SH   SOLE NONE 0 0 2,602
VALERO ENERGY CORP COM 91913Y100 101 1,000 SH   SOLE NONE 0 0 1,000
VANGUARD INDEX FDS MID CAP ETF 922908629 65 275 SH   SOLE NONE 0 0 275
VENTAS INC COM 92276F100 3 56 SH   SOLE NONE 0 0 56
VANGUARD LARGE CAP INDEX FUND LARGE CAP ETF 922908637 242 1,163 SH   SOLE NONE 0 0 1,163
VERIZON COMMUNICATIONS INC COM 92343V104 162 3,183 SH   SOLE NONE 0 0 3,183
WABTEC COM 929740108 0 9 SH   SOLE NONE 0 0 9
WORKHORSE GROUP INC COM NEW 98138J206 10 2,000 SH   SOLE NONE 0 0 2,000
WILLIAMS COS INC COM 969457100 7 227 SH   SOLE NONE 0 0 227
WAL-MART STORES INC COM 931142103 4,247 28,522 SH   SOLE NONE 0 0 28,522
UNITED STATES STL CORP NEW COM 912909108 0 9 SH   SOLE NONE 0 0 9
SPDR SERIES TRUST S&P BIOTECH 78464A870 3,192 35,523 SH   SOLE NONE 0 0 35,523
SELECT SECTOR SPDR TR ENERGY 81369Y506 2 32 SH   SOLE NONE 0 0 32
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 41 300 SH   SOLE NONE 0 0 300
EXXON MOBIL CORP COM 30231G102 454 5,504 SH   SOLE NONE 0 0 5,504
WISDOMTREE TR EM EX ST-OWNED 97717X578 6 199 SH   SOLE NONE 0 0 199