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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories Common Stock 002824100   977,522 8,574 SH   SOLE   8,574 0 0
Abbvie Inc Common Stock 00287Y109   1,011,493 5,122 SH   SOLE   5,122 0 0
Accenture PLC Int'l Common Stock G1151C101   312,476 884 SH   SOLE   884 0 0
Adobe Inc. Common Stock 00724F101   1,609,262 3,108 SH   SOLE   3,108 0 0
Advanced Micro Devices Inc Common Stock 007903107   581,336 3,543 SH   SOLE   3,543 0 0
Aflac Inc Common Stock 001055102   267,985 2,397 SH   SOLE   2,397 0 0
Alphabet Inc Common Stock 02079K305   3,626,976 21,869 SH   SOLE   21,869 0 0
Alphabet Inc Common Stock 02079K107   836,955 5,006 SH   SOLE   5,006 0 0
Amazon com Common Stock 023135106   3,306,423 17,745 SH   SOLE   17,745 0 0
American Century Focused Large Cap Value Exchange Traded Fund 025072794   1,353,755 19,350 SH   SOLE   19,350 0 0
American Electric Power Inc Common Stock 025537101   310,570 3,027 SH   SOLE   3,027 0 0
American Express Company Common Stock 025816109   1,213,078 4,473 SH   SOLE   4,473 0 0
Ameriprise Financial Inc Common Stock 03076C106   201,079 428 SH   SOLE   428 0 0
Amgen Inc Common Stock 031162100   972,751 3,019 SH   SOLE   3,019 0 0
Apple Inc. Common Stock 037833100   6,578,755 28,235 SH   SOLE   28,235 0 0
Applied Materials Inc Common Stock 038222105   1,291,505 6,392 SH   SOLE   6,392 0 0
AT&T INC Common Stock 00206R102   336,820 15,310 SH   SOLE   15,310 0 0
AT&T INC Common Stock 00206R102   22,000 1,000 SH   OTR   1,000 0 0
Avantis U.S. Small Cap Value Exchange Traded Fund 025072877   24,033,844 250,483 SH   SOLE   250,333 102 48
Avantis U.S. Small Cap Value Exchange Traded Fund 025072877   102,571 1,069 SH   OTR   1,069 0 0
Bank of America Corporation Common Stock 060505104   388,586 9,793 SH   SOLE   9,793 0 0
BERKSHIRE HATHAWAY INC DEL Common Stock 084670702   1,516,098 3,294 SH   SOLE   3,294 0 0
BOEING CO Common Stock 097023105   250,562 1,648 SH   SOLE   1,648 0 0
BOOKING HOLDINGS INC Common Stock 09857L108   509,665 121 SH   SOLE   121 0 0
BRISTOL MYERS SQUIBB CO Common Stock 110122108   442,739 8,557 SH   SOLE   8,557 0 0
BRISTOL MYERS SQUIBB CO Common Stock 110122108   10,348 200 SH   OTR   200 0 0
Broadcom Inc Common Stock 11135F101   1,476,255 8,558 SH   SOLE   8,558 0 0
Caterpillar Inc Common Stock 149123101   1,113,910 2,848 SH   SOLE   2,848 0 0
CDW Corp Common Stock 12514G108   307,769 1,360 SH   SOLE   1,360 0 0
Chevron Corp. Common Stock 166764100   1,183,463 8,036 SH   SOLE   8,036 0 0
CHEVRON CORPORATION Common Stock 166764100   14,727 100 SH   OTR   100 0 0
CHUBB LIMITED Common Stock H1467J104   208,794 724 SH   SOLE   724 0 0
Cisco Systems Inc Common Stock 17275R102   874,033 16,423 SH   SOLE   16,423 0 0
COCA COLA CO Common Stock 191216100   516,962 7,194 SH   SOLE   7,194 0 0
COCA COLA CO Common Stock 191216100   7,186 100 SH   OTR   100 0 0
CONOCOPHILLIPS Common Stock 20825C104   341,740 3,246 SH   SOLE   3,246 0 0
Costco Wholesale Corporation Common Stock 22160K105   1,781,909 2,010 SH   SOLE   2,010 0 0
D R HORTON INC Common Stock 23331A109   721,683 3,783 SH   SOLE   3,783 0 0
DANAHER CORP Common Stock 235851102   424,535 1,527 SH   SOLE   1,527 0 0
DUKE ENERGY CORP Common Stock 26441C204   216,880 1,881 SH   SOLE   1,881 0 0
Eaton Corp. PLC Int'l Common Stock G29183103   1,044,369 3,151 SH   SOLE   3,151 0 0
ELI LILLY & CO Common Stock 532457108   265,782 300 SH   OTR   300 0 0
Eli Lilly and Co Common Stock 532457108   1,164,125 1,314 SH   SOLE   1,314 0 0
EMERSON ELECTRIC CO Common Stock 291011104   202,007 1,847 SH   SOLE   1,847 0 0
ENBRIDGE INC Foreign Stock 29250N105   194,278 4,784 SH   SOLE   4,784 0 0
ENBRIDGE INC Foreign Stock 29250N105   11,980 295 SH   OTR   295 0 0
Exxon Mobil Corp Common Stock 30231G102   1,428,680 12,188 SH   SOLE   12,188 0 0
EXXON MOBIL CORP Common Stock 30231G102   11,722 100 SH   OTR   100 0 0
Fidelity Enhanced International International Equity ETF 31609A404   15,317,804 505,872 SH   SOLE   505,597 174 101
Fidelity Enhanced International International Equity ETF 31609A404   68,312 2,256 SH   OTR   2,256 0 0
FULTON FINANCIAL CORP PA Common Stock 360271100   465,017 25,649 SH   SOLE   25,649 0 0
GE AEROSPACE Common Stock 369604301   1,912,767 10,143 SH   SOLE   10,143 0 0
GE HEALTHCARE TECHNOLOGIES INC Common Stock 36266G107   230,589 2,457 SH   SOLE   2,457 0 0
GE VERNOVA INC Common Stock 36828A101   515,315 2,021 SH   SOLE   2,021 0 0
GILEAD SCIENCES INC Common Stock 375558103   310,544 3,704 SH   SOLE   3,704 0 0
Goldman Sachs Small Cap Core Exchange Traded Fund 38149W614   514,608 9,724 SH   SOLE   9,724 0 0
HERSHEY CO Common Stock 427866108   493,065 2,571 SH   SOLE   2,571 0 0
Home Depot Common Stock 437076102   1,891,474 4,668 SH   SOLE   4,668 0 0
Honeywell International Inc Common Stock 438516106   646,175 3,126 SH   SOLE   3,126 0 0
INTUIT Common Stock 461202103   266,409 429 SH   SOLE   429 0 0
INTUITIVE SURGICAL INC Common Stock 46120E602   257,918 525 SH   SOLE   525 0 0
INVESCO ETF-Equity 46090E103   3,015,785 6,179 SH   SOLE   6,179 0 0
INVESCO ETF-Fixed Incom 46138E511   123,500 10,000 SH   SOLE   10,000 0 0
Invesco Russell 1000 Dynamic Multifactor Exchange Traded Fund 46138J619   50,195,307 947,260 SH   SOLE   946,696 373 191
Invesco Russell 1000 Dynamic Multifactor Exchange Traded Fund 46138J619   225,949 4,264 SH   OTR   4,264 0 0
Invesco Russell 2000 Dynamic Multifactor Exchange Traded Fund 46138J593   1,124,802 28,440 SH   SOLE   28,440 0 0
ISHARES ETF-Fixed Incom 464287226   1,926,664 19,025 SH   SOLE   19,025 0 0
ISHARES ETF-Fixed Incom 464287432   2,699,237 27,515 SH   SOLE   27,515 0 0
ISHARES ETF-Fixed Incom 464287432   2,845 29 SH   OTR   29 0 0
ISHARES ETF-Equity 464287598   502,209 2,646 SH   SOLE   2,646 0 0
ISHARES ETF-Equity 464287614   1,043,555 2,780 SH   SOLE   2,780 0 0
ISHARES ETF-Equity 464287804   7,863,240 67,230 SH   SOLE   67,230 0 0
ISHARES ETF-Equity 464287804   8,304 71 SH   OTR   71 0 0
ISHARES ETF-Equity 464288240   1,258,211 21,989 SH   SOLE   21,989 0 0
ISHARES ETF-Equity 46434G822   3,754,484 52,481 SH   SOLE   52,481 0 0
ISHARES ETF-Equity 46434G822   5,294 74 SH   OTR   74 0 0
ISHARES ETF-Equity 46434V621   377,268 6,018 SH   SOLE   6,018 0 0
iShares Core MSCI EAFE ETF International Equity ETF 46432F842   4,660,600 59,713 SH   SOLE   59,713 0 0
iShares Core MSCI Emerging Markets ETF International Equity ETF 46434G103   2,241,975 39,052 SH   SOLE   39,052 0 0
iShares Core S&P 500 Index Fund Exchange Traded Fund 464287200   54,617,931 94,688 SH   SOLE   94,636 34 18
iShares Core S&P 500 Index Fund Exchange Traded Fund 464287200   236,496 410 SH   OTR   410 0 0
iShares Core S&P Mid-Cap Index Fund Exchange Traded Fund 464287507   10,551,088 169,305 SH   SOLE   169,305 0 0
iShares MSCI EAFE ETF International Equity ETF 464287465   1,552,006 18,558 SH   SOLE   18,558 0 0
iShares MSCI Emerging Markets ETF International Equity ETF 464287234   604,114 13,173 SH   SOLE   13,173 0 0
iShares Russell 1000 Index Fund Exchange Traded Fund 464287622   2,182,495 6,942 SH   SOLE   6,942 0 0
Johnson & Johnson Common Stock 478160104   1,340,724 8,273 SH   SOLE   8,273 0 0
JPMorgan Active Growth Exchange Traded Fund 46654Q609   15,476,175 201,303 SH   SOLE   201,066 237 0
JPMorgan Chase & Co Common Stock 46625H100   2,349,614 11,143 SH   SOLE   11,143 0 0
JPMorgan Equity Premium Income ETF Exchange Traded Fund 46641Q332   8,180,370 137,462 SH   SOLE   137,462 0 0
JPMorgan Hedged Equity Laddered Overlay Exchange Traded Fund 46654Q724   5,326,700 87,123 SH   SOLE   87,123 0 0
KIMBERLY-CLARK CORP Common Stock 494368103   290,108 2,039 SH   SOLE   2,039 0 0
LAM RESEARCH CORP Common Stock 512807108   646,335 792 SH   SOLE   792 0 0
Lockheed Martin Corp Common Stock 539830109   600,928 1,028 SH   SOLE   1,028 0 0
Mastercard Inc Common Stock 57636Q104   1,520,904 3,080 SH   SOLE   3,080 0 0
Materials Select Sector SPDR Fund Exchange Traded Fund 81369Y100   625,699 6,492 SH   SOLE   6,492 0 0
Mcdonald's Corp Common Stock 580135101   1,235,703 4,058 SH   SOLE   4,058 0 0
MEDTRONIC PLC Foreign Stock G5960L103   211,211 2,346 SH   SOLE   2,346 0 0
Merck & Co Inc Common Stock 58933Y105   1,118,905 9,853 SH   SOLE   9,853 0 0
MERCK & CO INC COMMON STOCK 58933Y105   136,272 1,200 SH   OTR   1,200 0 0
Meta Platforms Inc Common Stock 30303M102   1,800,897 3,146 SH   SOLE   3,146 0 0
Microsoft Corp Common Stock 594918104   7,365,023 17,116 SH   SOLE   17,116 0 0
MIDCAP FINANCIAL INVESTMENT CORP ETF-Fixed Incom 03761U502   182,640 13,640 SH   SOLE   13,640 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105   382,053 5,186 SH   SOLE   5,186 0 0
MORGAN STANLEY Common Stock 617446448   366,926 3,520 SH   SOLE   3,520 0 0
NATIONAL GRID PLC Foreign Stock 636274409   208,036 2,986 SH   SOLE   2,986 0 0
Netflix Inc Common Stock 64110L106   712,107 1,004 SH   SOLE   1,004 0 0
NEXTERA ENERGY INC Common Stock 65339F101   230,176 2,723 SH   SOLE   2,723 0 0
NORFOLK SOUTHERN CORP Common Stock 655844108   276,335 1,112 SH   SOLE   1,112 0 0
NVIDIA Corp Common Stock 67066G104   3,944,856 32,484 SH   SOLE   32,484 0 0
Oracle Corp Common Stock 68389X105   992,580 5,825 SH   SOLE   5,825 0 0
Palo Alto Networks Inc Common Stock 697435105   330,179 966 SH   SOLE   966 0 0
PepsiCo Inc Common Stock 713448108   1,726,517 10,153 SH   SOLE   10,153 0 0
PFIZER INC Common Stock 717081103   426,574 14,740 SH   SOLE   14,740 0 0
PHILIP MORRIS INTERNATIONAL INC Common Stock 718172109   298,401 2,458 SH   SOLE   2,458 0 0
PNC FINANCIAL SERVICES GROUP INC Common Stock 693475105   1,588,972 8,596 SH   SOLE   8,596 0 0
PNC FINANCIAL SERVICES GROUP INC Common Stock 693475105   189,471 1,025 SH   OTR   1,025 0 0
Procter & Gamble Co Common Stock 742718109   1,874,543 10,823 SH   SOLE   10,823 0 0
PROCTER & GAMBLE CO Common Stock 742718109   34,640 200 SH   OTR   200 0 0
PROGRESSIVE CORP Common Stock 743315103   554,719 2,186 SH   SOLE   2,186 0 0
PROLOGIS INC Common Stock 74340W103   261,778 2,073 SH   SOLE   2,073 0 0
Qualcomm Inc Common Stock 747525103   455,564 2,679 SH   SOLE   2,679 0 0
QUANTA SERVICES INC Common Stock 74762E102   292,784 982 SH   SOLE   982 0 0
Real Estate Select Sector SPDR Fund Exchange Traded Fund 81369Y860   616,089 13,792 SH   SOLE   13,792 0 0
REGENERON PHARMACEUTICALS Common Stock 75886F107   236,528 225 SH   SOLE   225 0 0
ROCKWELL AUTOMATION INC Common Stock 773903109   322,152 1,200 SH   SOLE   1,200 0 0
RTX Corporation Common Stock 75513E101   1,328,518 10,965 SH   SOLE   10,965 0 0
S&P Global Inc Common Stock 78409V104   676,256 1,309 SH   SOLE   1,309 0 0
SALESFORCE, INC. Common Stock 79466L302   1,147,941 4,194 SH   SOLE   4,194 0 0
ServiceNow Inc Common Stock 81762P102   649,327 726 SH   SOLE   726 0 0
SPDR Dow Jones Industrial Average ETF Trust Exchange Traded Fund 78467X109   574,597 1,358 SH   SOLE   1,358 0 0
SPDR S&P 500 ETF-Equity 78462F103   501,466 874 SH   SOLE   874 0 0
STARBUCKS CORP Common Stock 855244109   229,591 2,355 SH   SOLE   2,355 0 0
STRYKER CORPORATION Common Stock 863667101   222,175 615 SH   SOLE   615 0 0
TAIWAN SEMICONDUCTOR MFG LTD Foreign Stock 874039100   212,572 1,224 SH   SOLE   1,224 0 0
Tesla Inc Common Stock 88160R101   913,088 3,490 SH   SOLE   3,490 0 0
Thermo Fisher Scientific Inc Common Stock 883556102   1,120,236 1,811 SH   SOLE   1,811 0 0
TJX Companies Inc Common Stock 872540109   1,378,274 11,726 SH   SOLE   11,726 0 0
T-MOBILE US INC Common Stock 872590104   985,161 4,774 SH   SOLE   4,774 0 0
TOTAL SE Foreign Stock 89151E109   209,627 3,244 SH   SOLE   3,244 0 0
TRANE TECHNOLOGIES INC Foreign Stock G8994E103   209,137 538 SH   SOLE   538 0 0
Travelers Companies Inc Common Stock 89417E109   628,612 2,685 SH   SOLE   2,685 0 0
Union Pacific Corp Common Stock 907818108   1,234,373 5,008 SH   SOLE   5,008 0 0
UnitedHealth Group Inc Common Stock 91324P102   2,760,273 4,721 SH   SOLE   4,721 0 0
Utilities Select Sector SPDR Fund Exchange Traded Fund 81369Y886   645,836 7,995 SH   SOLE   7,995 0 0
VANGUARD ETF-Equity 92206C599   646,098 2,547 SH   SOLE   2,547 0 0
Vanguard 500 Index Fund Exchange Traded Fund 922908363   2,317,527 4,392 SH   SOLE   4,392 0 0
Vanguard Emerging Markets Stock Index Fund International Equity ETF 922042858   870,583 18,194 SH   SOLE   18,194 0 0
Vanguard Idx Fund Exchange Traded Fund 922908769   240,686 850 SH   SOLE   850 0 0
Vanguard Intermediate Term Bond ETF Fixed Income ETF 921937819   3,637,544 46,415 SH   SOLE   46,415 0 0
Vanguard Mid-Cap Index Fund Exchange Traded Fund 922908629   590,188 2,237 SH   SOLE   2,237 0 0
Vanguard Short-Term Corporate Bond Idx Fd Fixed Income ETF 92206C409   457,142 5,756 SH   SOLE   5,756 0 0
Vanguard Small-Cap Index Fund Exchange Traded Fund 922908751   3,195,930 13,473 SH   SOLE   13,473 0 0
Verizon Communications Inc Common Stock 92343V104   788,754 17,563 SH   SOLE   17,563 0 0
Verizon Communications Inc Common Stock 92343V104   22,455 500 SH   OTR   500 0 0
VERTEX PHARMACEUTICALS INC Common Stock 92532F100   325,091 699 SH   SOLE   699 0 0
Visa Inc Common Stock 92826C839   2,403,890 8,743 SH   SOLE   8,743 0 0
Walmart Inc Common Stock 931142103   1,789,423 22,160 SH   SOLE   22,160 0 0
Walt Disney Co Common Stock 254687106   553,958 5,759 SH   SOLE   5,759 0 0
WASTE MANAGEMENT INC Common Stock 94106L109   642,938 3,097 SH   SOLE   3,097 0 0
YORK WATER CO Common Stock 987184108   418,652 11,176 SH   SOLE   11,176 0 0
YORK WATER CO Common Stock 987184108   26,222 700 SH   OTR   700 0 0