WVFC WVS Financial Corporation

CUSIP No.
929358109
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1. Name of Reporting Person. Monongahela Capital Management
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I.R.S. Identification Nos. of above persons (entities only).

2. Check the Appropriate Box if a Member of a Group (See Instructions)
(a)
(b)

3. SEC Use Only

4. Citizenship or Place of Organization Pennsylvania
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Number of Shares Beneficially Owned by Each Reporting Person With:

5. Sole Voting Power 149,480
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6. Shared Voting Power 0
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7. Sole Dispositive Power 149,480
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8. Shared Dispositive Power 0
                            --

9. Aggregate Amount Beneficially Owned by Each Reporting Person 149,480
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10. Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See
Instructions)

11. Percent of Class Represented by Amount in Row (9) 7.9%
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12. Type of Reporting Person (See Instructions) IA
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Item 1.

(a) Name of Issuer WVS Financial Corp.
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(b) Address of Issuer's Principal Executive Offices
9001 Perry Highway
Pittsburgh, PA 15237
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Item 2.

(a) Name of Person Filing Monongahela Capital Management
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(b) Address of Principal Business Office or, if none, Residence
223 Mercer Street
Harmony, PA 16037
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(c) Citizenship Pennsylvania
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(d) Title of Class of Securities Common Stock
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(e) CUSIP Number 929358109
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Item 3. If this statement is filed pursuant to Rules 13d-1(b), or 13d-2(b) or
(c), check whether the person filing is a:

(a) [ ] Broker or dealer registered under section 15 of the Act (15 U.S.C.
78o).
(b) [ ] Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c).
(c) [ ] Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C.
78c).
(d) [ ] Investment company registered under section 8 of the Investment Company
Act of 1940 (15 U.S.C. 80a-8).
(e) [X] An investment adviser in accordance with section 240.13d-
1(b)(1)(ii)(E);
(f) [ ] An employee benefit plan or endowment fund in accordance with section
240.13d-1(b)(1)(ii)(F);
(g) [ ] A parent holding company or control person in accordance with section
240.13d-1(b)(1)(ii)(G);
(h) [ ] A savings association as defined in Section 3(b) of the Federal Deposit
Insurance Act (12 U.S.C. 1813);
(i) [ ] A church plan that is excluded from the definition of an investment
company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C.
80a-3);
(j) [ ] Group, in accordance with section 240.13d-1(b)(1)(ii)(J).

Item 4. Ownership.

Provide the following information regarding the aggregate number and percentage
of the class of securities of the issuer identified in Item 1.

(a) Amount beneficially owned: 149,480
(b) Percent of class: 7.9%
(c) Number of shares as to which the person has:
    (i) Sole power to vote or to direct the vote: 149,480
    (ii) Shared power to vote or to direct the vote: 0
    (iii) Sole power to dispose or to direct the disposition of: 149,480
    (iv) Shared power to dispose or to direct the disposition of: 0


Item 5. Ownership of Five Percent or Less of a Class

If this statement is being filed to report the fact that as of the date hereof
the reporting person has ceased to be the beneficial owner of more than five
percent of the class of securities, check the following [ ].

Item 6. Ownership of More than Five Percent on Behalf of Another Person.

These shares are owned by investment advisory clients of reporting person.  Our
clients have the right to receive or the power to direct the receipt of
dividends or the profits from the sale of such securities.  No client is known
to own more than 5% of such security class.

Item 7. Identification and Classification of the Subsidiary Which Acquired the
Security Being Reported on By the Parent Holding Company

Not applicable.

Item 8. Identification and Classification of Members of the Group

Not applicable.

Item 9. Notice of Dissolution of Group

Not applicable.

Item 10. Certification

By signing below I certify that, to the best of my knowledge and belief, the
securities referred to above were acquired and are held in the ordinary course
of business and were not acquired and are not held for the purpose of or with
the effect of changing or influencing the control of the issuer of the
securities and were not acquired and are not held in connection with or as a
participant in any transaction having that purpose or effect.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.

February 16, 2021
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Date

/s/ Mark Rodgers
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Signature

Mark Rodgers / President
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Name/Title