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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABORATORIES Common Stock 002824100   21,890 192 SH   OTR   0 192 0
ABBOTT LABORATORIES Common Stock 002824100   247,288 2,169 SH   SOLE   2,169 0 0
ABBVIE INC Common Stock 00287Y109   29,622 150 SH   OTR   0 150 0
ABBVIE INC Common Stock 00287Y109   562,621 2,849 SH   SOLE   2,849 0 0
ACCENTURE PLC Int'l Common Stock G1151C101   176,740 500 SH   SOLE   500 0 0
ACCENTURE PLC Int'l Common Stock G1151C101   70,696 200 SH   OTR   0 200 0
ADOBE SYSTEMS, INC Common Stock 00724F101   7,249 14 SH   OTR   0 14 0
ADOBE SYSTEMS, INC Common Stock 00724F101   453,575 876 SH   SOLE   876 0 0
AIR PRODUCTS & CHEMS INC Common Stock 009158106   59,548 200 SH   OTR   0 200 0
AIR PRODUCTS & CHEMS INC Common Stock 009158106   403,438 1,355 SH   SOLE   1,355 0 0
ALPHABET INC. CLASS C Common Stock 02079K107   17,889 107 SH   OTR   0 107 0
ALPHABET INC. CLASS C Common Stock 02079K107   362,802 2,170 SH   SOLE   2,170 0 0
ALTRIA GROUP INC. Common Stock 02209S103   9,749 191 SH   OTR   0 0 191
ALTRIA GROUP INC. Common Stock 02209S103   366,212 7,175 SH   SOLE   7,175 0 0
AMAZON COM INC. Common Stock 023135106   50,123 269 SH   OTR   0 269 0
AMAZON COM INC. Common Stock 023135106   437,876 2,350 SH   SOLE   2,350 0 0
American Energy Partners INC Common Stock 02563X201   8,668 6,191,678 SH   SOLE   6,191,678 0 0
AMERICAN EXPRESS COMPANY Common Stock 025816109   108,480 400 SH   OTR   0 400 0
AMERICAN EXPRESS COMPANY Common Stock 025816109   248,419 916 SH   SOLE   916 0 0
AMGEN INC. COMMON Common Stock 031162100   314,799 977 SH   SOLE   977 0 0
APPLE INC. Common Stock 037833100   61,978 266 SH   OTR   0 266 0
APPLE INC. Common Stock 037833100   2,239,829 9,613 SH   SOLE   9,613 0 0
APPLIED MATERIALS INC. Common Stock 038222105   229,327 1,135 SH   SOLE   1,135 0 0
AT&T INC. Common Stock 00206R102   4,994 227 SH   OTR   0 0 227
AT&T INC. Common Stock 00206R102   258,280 11,740 SH   SOLE   11,560 180 0
AUTOMATIC DATA PROCESSING INC Common Stock 053015103   1,050,467 3,796 SH   SOLE   3,796 0 0
AVANTIS EMERGING MARKETS VALUE ETF International Equity ETF 025072372   4,023,383 77,165 SH   SOLE   77,165 0 0
AVANTIS EMERGING MARKETS VALUE ETF International Equity ETF 025072372   243,755 4,675 SH   OTR   0 1,865 2,810
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF International Equity ETF 025072802   56,041 793 SH   OTR   0 324 469
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF International Equity ETF 025072802   2,135,647 30,220 SH   SOLE   29,720 0 500
Avantis US Large Cap Value ETF Exchange Traded Fund 025072349   7,206,673 109,474 SH   SOLE   109,474 0 0
Avantis US Large Cap Value ETF Exchange Traded Fund 025072349   375,363 5,702 SH   OTR   0 1,040 4,662
AVANTIS US SMALL CAP VALUE ETF Exchange Traded Fund 025072877   2,256,648 23,519 SH   SOLE   23,519 0 0
AVANTIS US SMALL CAP VALUE ETF Exchange Traded Fund 025072877   19,574 204 SH   OTR   0 204 0
BANK OF AMERICA CORPORATION Common Stock 060505104   201,416 5,076 SH   SOLE   5,076 0 0
BLACKROCK INC. Common Stock 09247X101   13,293 14 SH   OTR   0 0 14
BLACKROCK INC. Common Stock 09247X101   249,721 263 SH   SOLE   263 0 0
BP PRUDHOE BAY ROYALTY TRUST Common Stock 055630107   22,680 21,000 SH   SOLE   21,000 0 0
BROADCOM INC Common Stock 11135F101   1,312,725 7,610 SH   SOLE   7,610 0 0
CATERPILLAR INC. Common Stock 149123101   225,285 576 SH   SOLE   576 0 0
CHEVRON CORPORATION Common Stock 166764100   22,091 150 SH   OTR   0 150 0
CHEVRON CORPORATION Common Stock 166764100   643,864 4,372 SH   SOLE   4,372 0 0
CISCO SYSTEMS INC. Common Stock 17275R102   9,580 180 SH   OTR   0 0 180
CISCO SYSTEMS INC. Common Stock 17275R102   317,511 5,966 SH   SOLE   5,966 0 0
COLGATE-PALMOLIVE CO. Common Stock 194162103   399,046 3,844 SH   SOLE   3,844 0 0
CONOCOPHILLIPS Common Stock 20825C104   14,108 134 SH   OTR   0 51 83
CONOCOPHILLIPS Common Stock 20825C104   289,520 2,750 SH   SOLE   2,750 0 0
COSTCO WHOLESALE CORP Common Stock 22160K105   229,609 259 SH   SOLE   259 0 0
DARKPULSE INC Common Stock 237245105   404 425,000 SH   SOLE   425,000 0 0
DOW HOLDINGS INC Common Stock 260557103   10,052 184 SH   OTR   72 67 45
DOW HOLDINGS INC Common Stock 260557103   194,155 3,554 SH   SOLE   3,554 0 0
DUKE ENERGY CORP Common Stock 26441C204   16,603 144 SH   OTR   65 0 79
DUKE ENERGY CORP Common Stock 26441C204   579,037 5,022 SH   SOLE   5,022 0 0
EATON CORPORATION PLC Int'l Common Stock G29183103   240,625 726 SH   SOLE   726 0 0
EATON CORPORATION PLC Int'l Common Stock G29183103   21,544 65 SH   OTR   0 0 65
ECOLAB INC. COM Common Stock 278865100   341,376 1,337 SH   SOLE   1,337 0 0
ELI LILLY & CO Common Stock 532457108   287,931 325 SH   SOLE   325 0 0
ENERGY TRANSFER EQUITY LP Common Stock 29273V100   1,207,024 75,204 SH   SOLE   75,204 0 0
EXXON MOBIL CORP COM Common Stock 30231G102   20,514 175 SH   OTR   0 175 0
EXXON MOBIL CORP COM Common Stock 30231G102   1,453,411 12,399 SH   SOLE   12,294 105 0
FIDELITY D & D BANCORP INC. Common Stock 31609R100   138,251 2,802 SH   OTR   0 0 2,802
FIDELITY D & D BANCORP INC. Common Stock 31609R100   4,617,237 93,580 SH   SOLE   2,251 0 91,329
GARMIN LTD Common Stock H2906T109   262,989 1,494 SH   SOLE   1,494 0 0
GARMIN LTD Common Stock H2906T109   25,700 146 SH   OTR   0 0 146
GENERAL ELECTRIC CO. Common Stock 369604301   8,109 43 SH   OTR   0 0 43
GENERAL ELECTRIC CO. Common Stock 369604301   320,775 1,701 SH   SOLE   1,701 0 0
GOLDMAN SACHS GROUP INC Common Stock 38141G104   260,428 526 SH   SOLE   526 0 0
GOODYEAR TIRE & RUBBER CO Common Stock 382550101   283,200 32,000 SH   SOLE   32,000 0 0
HARBOR LONG TERM GROWER ETF Exchange Traded Fund 41151J406   418,724 16,350 SH   SOLE   16,350 0 0
HOME DEPOT INC. Common Stock 437076102   26,743 66 SH   OTR   0 29 37
HOME DEPOT INC. Common Stock 437076102   359,412 887 SH   SOLE   887 0 0
HONAT BANCORP INC Common Stock 438115107   1,859,226 16,309 SH   SOLE   16,309 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106   228,621 1,106 SH   SOLE   1,106 0 0
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101   6,632 30 SH   OTR   0 0 30
INTERNATIONAL BUSINESS MACHINES CORP Common Stock 459200101   8,839,884 39,985 SH   SOLE   39,985 0 0
INVESCO OPTIMUM YIELD DIVERS COMMODITY ETF Exchange Traded Fund 46090F100   171,595 12,777 SH   SOLE   12,777 0 0
INVESCO S&P 500 PURE VALUE Exchange Traded Fund 46137V258   4,814,396 54,143 SH   SOLE   54,143 0 0
INVESCO S&P 500 PURE VALUE Exchange Traded Fund 46137V258   44,549 501 SH   OTR   0 501 0
INVESCO S&P 500 QUALITY ETF Exchange Traded Fund 46137V241   61,888 920 SH   OTR   0 920 0
INVESCO S&P 500 QUALITY ETF Exchange Traded Fund 46137V241   3,091,258 45,953 SH   SOLE   43,411 0 2,542
ISHARES 10-20 TREASURY ETF Fixed Income ETF 464288653   1,822,750 16,672 SH   SOLE   16,672 0 0
ISHARES 10-20 TREASURY ETF Fixed Income ETF 464288653   76,750 702 SH   OTR   0 702 0
ISHARES 1-3 YEAR TREASURY BOND ETF Fixed Income ETF 464287457   1,932,655 23,243 SH   SOLE   23,213 30 0
ISHARES 1-3 YEAR TREASURY BOND ETF Fixed Income ETF 464287457   849,128 10,212 SH   OTR   0 961 9,251
ISHARES MSCI EAFE ETF International Equity ETF 464287465   532,807 6,371 SH   SOLE   2,597 85 3,689
ISHARES MSCI EAFE ETF International Equity ETF 464287465   156,639 1,873 SH   OTR   0 1,873 0
ISHARES NATIONAL MUNI BOND ETF Fixed Income ETF 464288414   808,859 7,446 SH   SOLE   7,446 0 0
ISHARES RUSSELL 1000 GROWTH ETF Exchange Traded Fund 464287614   43,169 115 SH   OTR   0 115 0
ISHARES RUSSELL 1000 GROWTH ETF Exchange Traded Fund 464287614   3,689,235 9,828 SH   SOLE   9,137 0 691
ISHARES RUSSELL 1000 VALUE ETF Exchange Traded Fund 464287598   590,847 3,113 SH   SOLE   3,113 0 0
ISHARES RUSSELL MID-CAP ETF Exchange Traded Fund 464287499   254,636 2,889 SH   SOLE   2,476 0 413
ISHARES SELECT DIVIDEND ETF Exchange Traded Fund 464287168   218,678 1,619 SH   SOLE   935 0 684
ISHARES US TREASURY BOND ETF Fixed Income ETF 46429B267   286,536 12,219 SH   SOLE   12,219 0 0
JOHN HANCOCK MORTGAGE-BACKED ETF Fixed Income ETF 47804J792   4,075,835 182,364 SH   SOLE   182,364 0 0
JOHN HANCOCK MORTGAGE-BACKED ETF Fixed Income ETF 47804J792   165,435 7,402 SH   OTR   0 7,402 0
JOHNSON & JOHNSON Common Stock 478160104   32,412 200 SH   OTR   0 200 0
JOHNSON & JOHNSON Common Stock 478160104   588,926 3,634 SH   SOLE   3,634 0 0
JP MORGAN CHASE & CO Common Stock 46625H100   48,920 232 SH   OTR   0 83 149
JP MORGAN CHASE & CO Common Stock 46625H100   1,189,883 5,643 SH   SOLE   5,643 0 0
LINKBANCORP INC. Common Stock 53578P105   264,252 41,225 SH   SOLE   41,225 0 0
LOCKHEED MARTIN CORPORATION Common Stock 539830109   375,872 643 SH   SOLE   643 0 0
LOCKHEED MARTIN CORPORATION Common Stock 539830109   21,629 37 SH   OTR   0 0 37
LOWES COMPANIES INC Common Stock 548661107   606,704 2,240 SH   SOLE   2,240 0 0
MASTERCARD INC CLASS A Common Stock 57636Q104   13,826 28 SH   OTR   0 28 0
MASTERCARD INC CLASS A Common Stock 57636Q104   297,761 603 SH   SOLE   603 0 0
MCCORMICK & CO INC Common Stock 579780206   246,571 2,996 SH   SOLE   2,996 0 0
MCDONALDS CORP Common Stock 580135101   778,632 2,557 SH   SOLE   2,557 0 0
MERCK & CO. INC Common Stock 58933Y105   207,133 1,824 SH   SOLE   1,824 0 0
META PLATFORMS INC Common Stock 30303M102   219,817 384 SH   SOLE   384 0 0
MICROSOFT CORP Common Stock 594918104   185,029 430 SH   OTR   0 309 121
MICROSOFT CORP Common Stock 594918104   3,304,274 7,679 SH   SOLE   7,679 0 0
MONARCH CASINO & RESORT INC Common Stock 609027107   237,810 3,000 SH   SOLE   3,000 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105   11,051 150 SH   OTR   150 0 0
MONDELEZ INTERNATIONAL INC Common Stock 609207105   353,469 4,798 SH   SOLE   4,798 0 0
NBT BANCORP INC COM Common Stock 628778102   218,408 4,938 SH   SOLE   4,938 0 0
NEXTERA ENERGY INC Common Stock 65339F101   12,510 148 SH   OTR   0 0 148
NEXTERA ENERGY INC Common Stock 65339F101   458,575 5,425 SH   SOLE   5,425 0 0
NVIDIA CORP Common Stock 67066G104   361,891 2,980 SH   SOLE   2,980 0 0
PEOPLES FINANCIAL SVCS CORP Common Stock 711040105   366,648 7,821 SH   SOLE   7,821 0 0
PEPSICO INC Common Stock 713448108   420,194 2,471 SH   SOLE   2,471 0 0
PHILIP MORRIS INTL INC Common Stock 718172109   638,443 5,259 SH   SOLE   5,259 0 0
PHILIP MORRIS INTL INC Common Stock 718172109   11,776 97 SH   OTR   0 0 97
PIMCO COMMODITIES ACTIVE STRATEGY ETF Exchange Traded Fund 72201R593   2,792,136 104,457 SH   SOLE   104,457 0 0
PIMCO COMMODITIES ACTIVE STRATEGY ETF Exchange Traded Fund 72201R593   239,634 8,965 SH   OTR   0 1,332 7,633
PNC FINANCIAL SERVICES GROUP INC. Common Stock 693475105   1,774,930 9,602 SH   SOLE   9,602 0 0
PNC FINANCIAL SERVICES GROUP INC. Common Stock 693475105   19,594 106 SH   OTR   0 0 106
PPL CORP. COM Common Stock 69351T106   894,937 27,054 SH   SOLE   27,009 45 0
PPL CORP. COM Common Stock 69351T106   5,987 181 SH   OTR   0 0 181
PROCTER & GAMBLE CO. Common Stock 742718109   975,289 5,631 SH   SOLE   5,431 0 200
PROCTER & GAMBLE CO. Common Stock 742718109   12,990 75 SH   OTR   0 75 0
PROGRESSIVE CORPORATION Common Stock 743315103   400,433 1,578 SH   SOLE   1,578 0 0
PROGRESSIVE CORPORATION Common Stock 743315103   57,857 228 SH   OTR   0 228 0
RTX CORPORATION Common Stock 75513E101   328,707 2,713 SH   SOLE   2,713 0 0
RTX CORPORATION Common Stock 75513E101   12,116 100 SH   OTR   0 100 0
SPDR DOW JONES INDL AVERAGE Exchange Traded Fund 78467X109   643,566 1,521 SH   SOLE   75 0 1,446
SPDR INTERMEDIATE TERM CORPORATE BOND Fixed Income ETF 78464A375   5,159,686 153,061 SH   SOLE   150,580 0 2,481
SPDR INTERMEDIATE TERM CORPORATE BOND Fixed Income ETF 78464A375   183,214 5,435 SH   OTR   0 5,435 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF International Equity ETF 78463X889   11,016,085 293,293 SH   SOLE   293,293 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF International Equity ETF 78463X889   209,059 5,566 SH   OTR   0 5,566 0
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103   372,944 650 SH   SOLE   179 0 471
SPDR S&P 500 ETF TRUST Exchange Traded Fund 78462F103   706,872 1,232 SH   OTR   0 1,232 0
SPDR S&P 500 GROWTH ETF Exchange Traded Fund 78464A409   1,265,913 15,263 SH   SOLE   15,263 0 0
TARGET CORP. Common Stock 87612E106   208,229 1,336 SH   SOLE   1,336 0 0
TEXAS INSTRUMENTS INC Common Stock 882508104   242,100 1,172 SH   SOLE   1,172 0 0
THE COCA COLA COMPANY Common Stock 191216100   28,744 400 SH   OTR   0 400 0
THE COCA COLA COMPANY Common Stock 191216100   334,652 4,657 SH   SOLE   4,657 0 0
THE WALT DISNEY COMPANY Common Stock 254687106   28,857 300 SH   OTR   0 300 0
THE WALT DISNEY COMPANY Common Stock 254687106   212,099 2,205 SH   SOLE   2,205 0 0
TRANE TECHNOLOGIES PLC Int'l Common Stock G8994E103   398,448 1,025 SH   SOLE   1,025 0 0
VANECK CEF MUNI INCOME ETF Exchange Traded Fund 92189F460   23,554,720 1,016,613 SH   SOLE   1,016,613 0 0
VANECK CEF MUNI INCOME ETF Exchange Traded Fund 92189F460   651,303 28,110 SH   OTR   0 27,672 438
VANECK JPM EM LC BOND Fixed Income ETF 92189H300   1,658,112 65,280 SH   SOLE   64,636 0 644
VANECK JPM EM LC BOND Fixed Income ETF 92189H300   78,994 3,110 SH   OTR   0 3,110 0
VANGUARD DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844   2,904,352 14,664 SH   SOLE   14,228 0 436
VANGUARD DIVIDEND APPRECIATION ETF Exchange Traded Fund 921908844   60,606 306 SH   OTR   0 306 0
VANGUARD FTSE DEVELOPED ETF International Equity ETF 921943858   973,500 18,434 SH   SOLE   18,434 0 0
VANGUARD FTSE EMERGING MARKETS ETF International Equity ETF 922042858   287,818 6,015 SH   SOLE   6,015 0 0
VANGUARD I VANGUARD REIT ETF Exchange Traded Fund 922908553   415,983 4,270 SH   SOLE   4,270 0 0
VANGUARD S&P SMALL-CAP 600 ETF Exchange Traded Fund 921932828   2,604,974 24,080 SH   SOLE   24,080 0 0
VANGUARD S&P SMALL-CAP 600 ETF Exchange Traded Fund 921932828   20,771 192 SH   OTR   0 192 0
VANGUARD SMALL-CAP VALUE INDEX FUND Exchange Traded Fund 922908611   979,204 4,877 SH   SOLE   4,877 0 0
VANGUARD SMALL-CAP VALUE INDEX FUND Exchange Traded Fund 922908611   20,078 100 SH   OTR   0 100 0
VANGUARD TOTAL STOCK MARKET INDEX FUND Exchange Traded Fund 922908769   952,833 3,365 SH   SOLE   3,365 0 0
VANGUARD VALUE ETF Exchange Traded Fund 922908744   278,443 1,595 SH   SOLE   1,595 0 0
VANGUARD VALUE ETF Exchange Traded Fund 922908744   58,826 337 SH   OTR   0 337 0
VERIZON COMMUNICATIONS, INC. Common Stock 92343V104   299,595 6,671 SH   SOLE   6,671 0 0
VERIZON COMMUNICATIONS, INC. Common Stock 92343V104   1,841 41 SH   OTR   0 0 41
WAL MART STORES, INC. Common Stock 931142103   504,122 6,243 SH   SOLE   6,243 0 0
WEC ENERGY GROUP INC. Common Stock 92939U106   211,788 2,202 SH   SOLE   2,202 0 0
WEC ENERGY GROUP INC. Common Stock 92939U106   12,503 130 SH   OTR   0 0 130