The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||
|
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
|
||||||||||||||||
| 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 Labs | COM | 002824100 | 2,541,038 | 23,308 | SH | DFND | 1 | 23,308 | 0 | 0 | ||
| Amazon Communications Inc | COM | 023135106 | 4,679,533 | 35,897 | SH | DFND | 1 | 35,897 | 0 | 0 | ||
| Analog Devices Inc | COM | 032654105 | 1,862,773 | 9,562 | SH | DFND | 1 | 9,562 | 0 | 0 | ||
| Apple Computer Inc | COM | 037833100 | 11,457,420 | 59,068 | SH | DFND | 1 | 59,068 | 0 | 0 | ||
| Bath & Body Works | COM | 070830104 | 1,231,988 | 32,853 | SH | DFND | 1 | 32,853 | 0 | 0 | ||
| Becton, Dickinson & Co. | COM | 075887109 | 1,257,480 | 4,763 | SH | DFND | 1 | 4,763 | 0 | 0 | ||
| Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 387,376 | 1,136 | SH | DFND | 1 | 1,136 | 0 | 0 | ||
| Boeing Co | COM | 097023105 | 969,647 | 4,592 | SH | DFND | 1 | 4,592 | 0 | 0 | ||
| Bristol Myers Squibb Co | COM | 110122108 | 1,336,683 | 20,902 | SH | DFND | 1 | 20,902 | 0 | 0 | ||
| CVS Health Corporation | COM | 126650100 | 2,112,682 | 30,561 | SH | DFND | 1 | 30,561 | 0 | 0 | ||
| Caterpillar Inc | COM | 149123101 | 227,596 | 925 | SH | DFND | 1 | 925 | 0 | 0 | ||
| Chevron Corp | COM | 166764100 | 1,301,914 | 8,274 | SH | DFND | 1 | 8,274 | 0 | 0 | ||
| Chipotle Mexican Grill Inc Corp Common | COM | 169656105 | 2,303,703 | 1,077 | SH | DFND | 1 | 1,077 | 0 | 0 | ||
| Citizens & Northern Corp | COM | 172922106 | 6,156,189 | 318,974 | SH | DFND | 1 | 318,974 | 0 | 0 | ||
| Citizens Financial Services Inc | COM | 174615104 | 6,507,933 | 87,390 | SH | DFND | 1 | 87,390 | 0 | 0 | ||
| Coca Cola Co | COM | 191216100 | 1,507,969 | 25,041 | SH | DFND | 1 | 25,041 | 0 | 0 | ||
| Community Bank System, Inc | COM | 203607106 | 244,526 | 5,216 | SH | DFND | 1 | 5,216 | 0 | 0 | ||
| Corning Inc | COM | 219350105 | 783,740 | 22,367 | SH | DFND | 1 | 22,367 | 0 | 0 | ||
| Deere & Co | COM | 244199105 | 399,112 | 985 | SH | DFND | 1 | 985 | 0 | 0 | ||
| Disney Walt Co | COM | 254687106 | 603,086 | 6,755 | SH | DFND | 1 | 6,755 | 0 | 0 | ||
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 16,726,123 | 666,645 | SH | DFND | 1 | 666,645 | 0 | 0 | ||
| General Dynamics Corp | COM | 369550108 | 1,722,491 | 8,006 | SH | DFND | 1 | 8,006 | 0 | 0 | ||
| W W Grainger Inc | COM | 384802104 | 1,789,311 | 2,269 | SH | DFND | 1 | 2,269 | 0 | 0 | ||
| Halliburton Co | COM | 406216101 | 961,164 | 29,135 | SH | DFND | 1 | 29,135 | 0 | 0 | ||
| Home Depot Inc | COM | 437076102 | 2,052,088 | 6,606 | SH | DFND | 1 | 6,606 | 0 | 0 | ||
| Honeywell Intl Inc | COM | 438516106 | 1,988,265 | 9,582 | SH | DFND | 1 | 9,582 | 0 | 0 | ||
| Illinois Tool Works Inc | COM | 452308109 | 360,731 | 1,442 | SH | DFND | 1 | 1,442 | 0 | 0 | ||
| Intel Corp | COM | 458140100 | 204,352 | 6,111 | SH | DFND | 1 | 6,111 | 0 | 0 | ||
| International Business Machines | COM | 459200101 | 1,990,558 | 14,876 | SH | DFND | 1 | 14,876 | 0 | 0 | ||
| iShares Barclays TIPS Bond Fund | TIPS BD ETF | 464287176 | 306,825 | 2,851 | SH | DFND | 1 | 2,851 | 0 | 0 | ||
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 345,871 | 776 | SH | DFND | 1 | 776 | 0 | 0 | ||
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 8,667,278 | 33,147 | SH | DFND | 1 | 33,147 | 0 | 0 | ||
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 497,638 | 3,153 | SH | DFND | 1 | 3,153 | 0 | 0 | ||
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 814,808 | 2,961 | SH | DFND | 1 | 2,961 | 0 | 0 | ||
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 8,948,063 | 103,398 | SH | DFND | 1 | 103,398 | 0 | 0 | ||
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | 464288513 | 542,756 | 7,230 | SH | DFND | 1 | 7,230 | 0 | 0 | ||
| iShares Barclays MBS Bond Fund ETF | MBS ETF | 464288588 | 2,192,007 | 23,503 | SH | DFND | 1 | 23,503 | 0 | 0 | ||
| Johnson & Johnson | COM | 478160104 | 447,897 | 2,706 | SH | DFND | 1 | 2,706 | 0 | 0 | ||
| Lauder (Estee) Cos Inc Class A | CL A | 518439104 | 1,515,268 | 7,716 | SH | DFND | 1 | 7,716 | 0 | 0 | ||
| Lowes Cos Inc | COM | 548661107 | 259,555 | 1,150 | SH | DFND | 1 | 1,150 | 0 | 0 | ||
| Marsh & McLennan Cos Inc | COM | 571748102 | 1,260,700 | 6,703 | SH | DFND | 1 | 6,703 | 0 | 0 | ||
| Masco Corp | COM | 574599106 | 1,219,727 | 21,257 | SH | DFND | 1 | 21,257 | 0 | 0 | ||
| McDonalds Corp | COM | 580135101 | 1,961,449 | 6,573 | SH | DFND | 1 | 6,573 | 0 | 0 | ||
| Microsoft Corp | COM | 594918104 | 11,450,317 | 33,624 | SH | DFND | 1 | 33,624 | 0 | 0 | ||
| Mondelez Intl Inc Class A | CL A | 609207105 | 2,391,776 | 32,791 | SH | DFND | 1 | 32,791 | 0 | 0 | ||
| Nike, Inc. Class B | CL B | 654106103 | 2,395,802 | 21,707 | SH | DFND | 1 | 21,707 | 0 | 0 | ||
| Norfolk Southern Corp | COM | 655844108 | 1,888,004 | 8,326 | SH | DFND | 1 | 8,326 | 0 | 0 | ||
| Palo Alto Networks Inc Common | COM | 697435105 | 1,940,854 | 7,596 | SH | DFND | 1 | 7,596 | 0 | 0 | ||
| Pfizer Inc | COM | 717081103 | 1,439,066 | 39,233 | SH | DFND | 1 | 39,233 | 0 | 0 | ||
| Procter & Gamble Co | COM | 742718109 | 2,938,445 | 19,365 | SH | DFND | 1 | 19,365 | 0 | 0 | ||
| Rockwell Automation Inc Common | COM | 773903109 | 263,560 | 800 | SH | DFND | 1 | 800 | 0 | 0 | ||
| Roper Industries Inc New | COM | 776696106 | 536,092 | 1,115 | SH | DFND | 1 | 1,115 | 0 | 0 | ||
| Schlumberger Ltd | COM STK | 806857108 | 1,835,320 | 37,364 | SH | DFND | 1 | 37,364 | 0 | 0 | ||
| Charles Schwab Corp | COM | 808513105 | 808,597 | 14,266 | SH | DFND | 1 | 14,266 | 0 | 0 | ||
| Tjx Companies (New) | COM | 872540109 | 1,516,300 | 17,883 | SH | DFND | 1 | 17,883 | 0 | 0 | ||
| Union Pacific Corp | COM | 907818108 | 1,032,103 | 5,044 | SH | DFND | 1 | 5,044 | 0 | 0 | ||
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 613,173 | 3,775 | SH | DFND | 1 | 3,775 | 0 | 0 | ||
| Amerisourcebergen Corp | COM | 03073E105 | 1,408,972 | 7,322 | SH | DFND | 1 | 7,322 | 0 | 0 | ||
| AT&T Inc | COM | 00206R102 | 979,521 | 61,412 | SH | DFND | 1 | 61,412 | 0 | 0 | ||
| Adobe Systems Inc | COM | 00724F101 | 1,347,656 | 2,756 | SH | DFND | 1 | 2,756 | 0 | 0 | ||
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 7,243,442 | 59,878 | SH | DFND | 1 | 59,878 | 0 | 0 | ||
| American Tower REIT Inc | COM | 03027X100 | 1,907,400 | 9,835 | SH | DFND | 1 | 9,835 | 0 | 0 | ||
| Biogen Idec Inc | COM | 09062X103 | 1,345,916 | 4,725 | SH | DFND | 1 | 4,725 | 0 | 0 | ||
| Blackrock, Inc. | COM | 09247X101 | 1,025,652 | 1,484 | SH | DFND | 1 | 1,484 | 0 | 0 | ||
| Blackstone Inc | COM | 09260D107 | 1,489,008 | 16,016 | SH | DFND | 1 | 16,016 | 0 | 0 | ||
| CDW Corporation | COM | 12514G108 | 1,218,073 | 6,638 | SH | DFND | 1 | 6,638 | 0 | 0 | ||
| CME Group Inc | COM | 12572Q105 | 229,945 | 1,241 | SH | DFND | 1 | 1,241 | 0 | 0 | ||
| Cisco Systems Inc | COM | 17275R102 | 1,769,508 | 34,200 | SH | DFND | 1 | 34,200 | 0 | 0 | ||
| Comcast Corp Class A | CL A | 20030N101 | 1,978,653 | 47,621 | SH | DFND | 1 | 47,621 | 0 | 0 | ||
| Costco Wholesale Corp (New) | COM | 22160K105 | 3,224,358 | 5,989 | SH | DFND | 1 | 5,989 | 0 | 0 | ||
| DuPont de Nemours Inc | COM | 26614N102 | 827,490 | 11,583 | SH | DFND | 1 | 11,583 | 0 | 0 | ||
| EOG Resources, Inc. | COM | 26875P101 | 1,117,163 | 9,762 | SH | DFND | 1 | 9,762 | 0 | 0 | ||
| Exxon Mobil Corp | COM | 30231G102 | 3,187,148 | 29,717 | SH | DFND | 1 | 29,717 | 0 | 0 | ||
| Meta Platforms Inc | CL A | 30303M102 | 3,107,419 | 10,828 | SH | DFND | 1 | 10,828 | 0 | 0 | ||
| Flexshares Morningstar Global Upstream Nat Res Index ETF | MORNSTAR UPSTR | 33939L407 | 20,545,332 | 512,736 | SH | DFND | 1 | 512,736 | 0 | 0 | ||
| FlexShares Core Select Bond Fund ETF | CRE SLCT BD FD | 33939L670 | 274,879 | 12,424 | SH | DFND | 1 | 12,424 | 0 | 0 | ||
| FlexShares STOXX US ESG Select Index ETF | STOX US ESG SLCT | 33939L696 | 214,211 | 1,982 | SH | DFND | 1 | 1,982 | 0 | 0 | ||
| Freeport-McMoran, Inc. | CL B | 35671D857 | 789,240 | 19,731 | SH | DFND | 1 | 19,731 | 0 | 0 | ||
| GSK PLC ADR | SPONSORED ADR | 37733W204 | 1,512,597 | 42,441 | SH | DFND | 1 | 42,441 | 0 | 0 | ||
| Intercontinental Exchange Inc Common | COM | 45866F104 | 1,526,806 | 13,502 | SH | DFND | 1 | 13,502 | 0 | 0 | ||
| JPMorgan Chase & Co | COM | 46625H100 | 3,864,341 | 26,570 | SH | DFND | 1 | 26,570 | 0 | 0 | ||
| Mastercard Inc Class A | CL A | 57636Q104 | 4,176,453 | 10,619 | SH | DFND | 1 | 10,619 | 0 | 0 | ||
| Nextera Energy Inc | COM | 65339F101 | 1,391,621 | 18,755 | SH | DFND | 1 | 18,755 | 0 | 0 | ||
| Nvidia Corp | COM | 67066G104 | 4,687,908 | 11,082 | SH | DFND | 1 | 11,082 | 0 | 0 | ||
| Oracle Corp | COM | 68389X105 | 1,637,488 | 13,750 | SH | DFND | 1 | 13,750 | 0 | 0 | ||
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 1,338,706 | 3,020 | SH | DFND | 1 | 3,020 | 0 | 0 | ||
| SPDR Portfolio Long Term Treasury ETF | PORTFOLIO LN TSR | 78464A664 | 918,050 | 30,704 | SH | DFND | 1 | 30,704 | 0 | 0 | ||
| SPDR Portfolio S&P 400 Mid Cap ETF | PORTFOLIO S&P400 | 78464A847 | 8,576,520 | 186,893 | SH | DFND | 1 | 186,893 | 0 | 0 | ||
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 874,411 | 2,543 | SH | DFND | 1 | 2,543 | 0 | 0 | ||
| Salesforce, Inc. | COM | 79466L302 | 2,368,647 | 11,212 | SH | DFND | 1 | 11,212 | 0 | 0 | ||
| Truist Financial Corporation | COM | 89832Q109 | 1,429,090 | 47,087 | SH | DFND | 1 | 47,087 | 0 | 0 | ||
| Unitedhealth Group, Inc. | COM | 91324P102 | 307,610 | 640 | SH | DFND | 1 | 640 | 0 | 0 | ||
| Vanguard Total International Bond Index Fund ETF | TOTAL INT BD ETF | 92203J407 | 955,995 | 19,558 | SH | DFND | 1 | 19,558 | 0 | 0 | ||
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 35,393,374 | 500,189 | SH | DFND | 1 | 500,189 | 0 | 0 | ||
| Verizon Communications | COM | 92343V104 | 527,763 | 14,191 | SH | DFND | 1 | 14,191 | 0 | 0 | ||
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,982,781 | 13,618 | SH | DFND | 1 | 13,618 | 0 | 0 | ||
| Accenture PLC | SHS CLASS A | G1151C101 | 222,178 | 720 | SH | DFND | 1 | 720 | 0 | 0 | ||