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        <RlnOfActyToAccomOfExmptPrpsGrp>
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        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <IRS990ScheduleB documentId="IRS990ScheduleB-01">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <GeneralRuleInd>X</GeneralRuleInd>
      <ContributorInformationGrp>
        <ContributorNum>1</ContributorNum>
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        <ContributorUSAddress>
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          <CityNm>Olean</CityNm>
          <StateAbbreviationCd>NY</StateAbbreviationCd>
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    </IRS990ScheduleB>
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      <GainLossSaleOtherAssetGrp>
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      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>Caterpillar financial</AssetDesc>
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      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>Dow Inc.</AssetDesc>
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      <GainLossSaleOtherAssetGrp>
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        <EOYFMVAmt>25378</EOYFMVAmt>
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      <InvestmentsCorporateBondsGrp>
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      <InvestmentsCorporateStockGrp>
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        <EOYFMVAmt>17478</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Walt Disney Company</StockNm>
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        <EOYFMVAmt>8533</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Emerson Electric Co.</StockNm>
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        <EOYFMVAmt>19908</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Exxon Mobil Corp.</StockNm>
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        <EOYFMVAmt>12304</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Ishares Russell 1000 Growth EFT</StockNm>
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        <EOYFMVAmt>118325</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>JPMorgan Chase &amp; Co.</StockNm>
        <EOYBookValueAmt>8350</EOYBookValueAmt>
        <EOYFMVAmt>48333</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Johnson &amp; Johnson</StockNm>
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        <EOYFMVAmt>15935</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Kenvue Inc.</StockNm>
        <EOYBookValueAmt>1736</EOYBookValueAmt>
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      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Lockheed Martin Corp.</StockNm>
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        <EOYFMVAmt>14510</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Lowes Companies Inc.</StockNm>
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        <EOYFMVAmt>19293</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>McDonalds Corp.</StockNm>
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        <EOYFMVAmt>16198</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Merck &amp; Co., Inc.</StockNm>
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        <EOYFMVAmt>15789</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Microsoft Corp.</StockNm>
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        <EOYFMVAmt>24181</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Nucor Corp.</StockNm>
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        <EOYFMVAmt>8156</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Pfizer Inc.</StockNm>
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        <EOYFMVAmt>4980</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Procter &amp; Gamble Co</StockNm>
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        <EOYFMVAmt>9315</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Public Service Enterprise Group</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>Sempra Energy</StockNm>
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      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Truist Financial Corp.</StockNm>
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      <InvestmentsCorporateStockGrp>
        <StockNm>United Parcel Service, Inc.</StockNm>
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        <EOYFMVAmt>4960</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>UnitedHealth Group Inc.</StockNm>
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        <EOYFMVAmt>16506</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>Verizon Communications Inc.</StockNm>
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        <EOYFMVAmt>6110</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>SPDR S&amp;P Midcap 400 Eft</StockNm>
        <EOYBookValueAmt>22346</EOYBookValueAmt>
        <EOYFMVAmt>48262</EOYFMVAmt>
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      <InvestmentsCorporateStockGrp>
        <StockNm>Schwab US Small Cap Eft</StockNm>
        <EOYBookValueAmt>26038</EOYBookValueAmt>
        <EOYFMVAmt>53542</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
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      <USGovtObligationsEOYFMVAmt>146895</USGovtObligationsEOYFMVAmt>
    </InvestmentsGovtObligationsSch>
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        <BookValueAmt>8432</BookValueAmt>
        <EOYFMVAmt>9144</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>Dodge &amp; Cox Income Fund</CategoryOrItemTxt>
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        <EOYFMVAmt>22777</EOYFMVAmt>
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      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>Vanguard GNMA Fund Admiral</CategoryOrItemTxt>
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        <EOYFMVAmt>20898</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>Vanguard REIT Index Fund Admiral</CategoryOrItemTxt>
        <BookValueAmt>13230</BookValueAmt>
        <EOYFMVAmt>14353</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <TaxesSchedule documentId="TaxesSchedule-01">
      <TaxesDetail>
        <Amt>300</Amt>
        <DisbursementsCharitablePrpsAmt>300</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>