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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101 989 5,656 SH   SOLE 0 4,556 0 1,100
Adobe Inc COM 00724F101 470 939 SH   SOLE 0 939 0 0
Alphabet Inc. Class A COM 02079K305 810 462 SH   SOLE 0 437 0 25
Alphabet Inc. Class C COM 02079K107 785 448 SH   SOLE 0 423 0 25
Altria Group Inc COM 02209S103 1,137 27,722 SH   SOLE 0 26,122 0 1,600
Amazon.Com COM 023135106 221 68 SH   SOLE 0 68 0 0
American Water Works Co COM 030420103 207 1,350 SH   SOLE 0 1,350 0 0
Apple Inc. COM 037833100 1,102 8,302 SH   SOLE 0 8,302 0 0
AT&T Corp. COM 00206r102 853 29,665 SH   SOLE 0 27,265 0 2,400
Becton Dickinson COM 075887109 764 3,052 SH   SOLE 0 3,052 0 0
Berkshire Hathaway Inc. Class A COM 084670108 348 1 SH   SOLE 0 1 0 0
Berkshire Hathaway Inc. Class B COM 084670702 954 4,116 SH   SOLE 0 4,116 0 0
Boeing Co COM 097023105 499 2,330 SH   SOLE 0 2,330 0 0
Bristol Myers Squibb Co COM 110122108 482 7,775 SH   SOLE 0 7,175 0 600
Chevron Corporation COM 166764100 395 4,675 SH   SOLE 0 4,675 0 0
Church & Dwight Co Inc COM 171340102 885 10,150 SH   SOLE 0 10,150 0 0
Clorox COM 189054109 295 1,460 SH   SOLE 0 1,460 0 0
ConocoPhillips COM 20825c104 295 7,365 SH   SOLE 0 7,365 0 0
Corning Inc COM 219350105 371 10,300 SH   SOLE 0 10,300 0 0
Deere & Co COM 244199105 1,326 4,930 SH   SOLE 0 4,690 0 240
Discover Financial Services COM 254709108 271 2,990 SH   SOLE 0 2,990 0 0
Eaton Corp PLC COM G29183103 411 3,420 SH   SOLE 0 3,420 0 0
Emerson Electric COM 291011104 234 2,914 SH   SOLE 0 2,914 0 0
Equifax Inc COM 294429105 583 3,025 SH   SOLE 0 3,025 0 0
Erie Indemnity Co COM 29530P102 12,732 51,842 SH   SOLE 0 51,842 0 0
Exxon Mobil Corp COM 30231G102 646 15,669 SH   SOLE 0 9,569 0 6,100
Fedex Corp COM 31428X106 431 1,660 SH   SOLE 0 1,660 0 0
General Mills COM 370334104 733 12,470 SH   SOLE 0 12,470 0 0
Home Depot Inc COM 437076102 1,369 5,155 SH   SOLE 0 5,155 0 0
HP Inc. COM 40434L105 333 13,535 SH   SOLE 0 13,535 0 0
Illinois Tool Works COM 452308109 438 2,150 SH   SOLE 0 2,150 0 0
Intel Corp COM 458140100 1,076 21,607 SH   SOLE 0 21,607 0 0
Invesco QQQ Nasdaq 100 ETF 73935A104 486 1,550 SH   SOLE 0 1,550 0 0
iShares Core S&P 500 ETF ETF 464287200 2,241 5,969 SH   SOLE 0 5,669 0 300
iShares Core U.S. Agg Bond ETF ETF 464287226 310 2,620 SH   SOLE 0 2,370 0 250
iShares IBoxx Inv Gr Corp Bd ETF 464287242 352 2,550 SH   SOLE 0 2,550 0 0
iShares Russell 2000 ETF ETF 464287655 559 2,852 SH   SOLE 0 2,752 0 100
iShares Russell 2000 Growth ETF ETF 464287648 679 2,368 SH   SOLE 0 2,368 0 0
iShares Russell 2000 Value ETF ETF 464287630 381 2,892 SH   SOLE 0 2,892 0 0
iShares Russell MC Growth ETF ETF 464287481 1,213 11,816 SH   SOLE 0 11,816 0 0
iShares Russell MC Index ETF ETF 464287499 438 6,396 SH   SOLE 0 6,396 0 0
iShares Russell MC Value ETF ETF 464287473 929 9,580 SH   SOLE 0 9,580 0 0
JM Smucker Co COM 832696405 383 3,315 SH   SOLE 0 3,315 0 0
Johnson & Johnson COM 478160104 1,711 10,871 SH   SOLE 0 8,671 0 2,200
JPMorgan Chase & Co. COM 46625H100 332 2,616 SH   SOLE 0 2,616 0 0
L3 Harris Technologies Inc. COM 502431109 1,088 5,756 SH   SOLE 0 5,316 0 440
Lowes Companies Inc COM 548661107 241 1,500 SH   SOLE 0 1,500 0 0
Marriott International - CL A COM 571903202 626 4,742 SH   SOLE 0 4,742 0 0
Mastercard Inc COM 57636Q104 2,168 6,075 SH   SOLE 0 6,075 0 0
McDonald's Corp. COM 580135101 520 2,425 SH   SOLE 0 2,325 0 100
Metlife Inc. COM 59156r108 318 6,765 SH   SOLE 0 6,765 0 0
Microsoft Corp COM 594918104 3,926 17,658 SH   SOLE 0 17,658 0 0
Nestle S.A. ADR COM 641069406 831 7,056 SH   SOLE 0 6,356 0 700
Nextera Energy Inc Co COM 65339f101 370 4,800 SH   SOLE 0 3,600 0 1,200
Nike Inc. CL B COM 654106103 299 2,114 SH   SOLE 0 2,114 0 0
Norfolk Southern Corp. COM 655844108 1,123 4,725 SH   SOLE 0 4,675 0 50
Oneok Inc. COM 682680103 359 9,350 SH   SOLE 0 8,950 0 400
Oracle Corp COM 68389X105 281 4,350 SH   SOLE 0 4,350 0 0
Parker-Hannifin Corp COM 701094104 585 2,146 SH   SOLE 0 2,146 0 0
Paypal Holdings Inc COM 70450Y103 213 911 SH   SOLE 0 911 0 0
Pepsico Inc COM 713448108 770 5,190 SH   SOLE 0 5,190 0 0
Pfizer Inc COM 717081103 494 13,428 SH   SOLE 0 11,728 0 1,700
Philip Morris Int'l COM 718172109 1,494 18,040 SH   SOLE 0 16,940 0 1,100
Phillips 66 Co COM 718546104 290 4,149 SH   SOLE 0 4,149 0 0
PPG COM 693506107 590 4,092 SH   SOLE 0 4,092 0 0
Procter & Gamble Co COM 742718109 1,680 12,077 SH   SOLE 0 11,677 0 400
Qualcomm Inc COM 747525103 264 1,731 SH   SOLE 0 1,731 0 0
Raytheon Technologies Co COM 75513E101 487 6,816 SH   SOLE 0 6,816 0 0
Republic Services Inc. COM 760759100 613 6,365 SH   SOLE 0 6,365 0 0
Royal Dutch Shell A ADR COM 780259206 218 6,200 SH   SOLE 0 5,300 0 900
Schwab US Small Cap ETF ETF 808524607 247 2,777 SH   SOLE 0 2,777 0 0
SchwabUS LCap ETF ETF 808524201 1,336 14,685 SH   SOLE 0 14,685 0 0
Southern Co COM 842587107 230 3,750 SH   SOLE 0 2,550 0 1,200
SPDR S&P 500 ETF ETF 78462F103 1,744 4,665 SH   SOLE 0 4,665 0 0
Stanley Black & Decker Inc. COM 854502101 491 2,750 SH   SOLE 0 2,750 0 0
Thermo Fisher Scientific Inc. COM 883556102 373 800 SH   SOLE 0 800 0 0
Truist Financial Corp COM 89832Q109 204 4,247 SH   SOLE 0 4,247 0 0
Union Pacific Corp. COM 907818108 2,860 13,737 SH   SOLE 0 4,857 0 8,880
Unitedhealth Group Inc COM 91324P102 393 1,120 SH   SOLE 0 1,120 0 0
Vanguard Large Cap ETF ETF 922908637 226 1,287 SH   SOLE 0 1,287 0 0
Vanguard TTL Stock Mkt ETF ETF 922908769 287 1,474 SH   SOLE 0 1,320 0 154
Verizon Communications COM 92343V104 1,531 26,060 SH   SOLE 0 25,208 0 852
Vertex Pharmaceuticals COM 92532F100 236 1,000 SH   SOLE 0 1,000 0 0
VF Corp COM 918204108 308 3,600 SH   SOLE 0 3,600 0 0
Visa Inc. COM 92826c839 974 4,451 SH   SOLE 0 4,451 0 0
VM Ware Inc Cl A COM 928563402 211 1,505 SH   SOLE 0 1,505 0 0
W. W. Grainger Inc. COM 384802104 255 625 SH   SOLE 0 625 0 0
Wabtec Corp COM 929740108 1,198 16,366 SH   SOLE 0 16,147 0 219
WalMart Inc. COM 931142103 383 2,660 SH   SOLE 0 2,660 0 0
Waste Management Inc. COM 94106L109 826 7,000 SH   SOLE 0 7,000 0 0