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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Labs COM 002824100 3,041 27,991 SH   DFND 1 27,991 0 0
Accenture PLC SHS CLASS A G1151C101 305 1,098 SH   DFND 1 1,098 0 0
Adobe Systems Inc COM 00724F101 952 2,601 SH   DFND 1 2,601 0 0
Alphabet Inc Class C CAP STK CL C 02079K107 6,573 3,005 SH   DFND 1 3,005 0 0
Amazon Communications Inc COM 023135106 3,875 36,484 SH   DFND 1 36,484 0 0
American Tower REIT Inc COM 03027X100 2,447 9,574 SH   DFND 1 9,574 0 0
Amerisourcebergen Corp COM 03073E105 941 6,650 SH   DFND 1 6,650 0 0
Analog Devices Inc COM 032654105 1,330 9,105 SH   DFND 1 9,105 0 0
Apple Computer Inc COM 037833100 8,646 63,238 SH   DFND 1 63,238 0 0
AT&T Inc COM 00206R102 383 18,271 SH   DFND 1 18,271 0 0
Berkshire Hathaway Inc Class B New CL B NEW 084670702 314 1,150 SH   DFND 1 1,150 0 0
Biogen Idec Inc COM 09062X103 953 4,674 SH   DFND 1 4,674 0 0
Blackrock, Inc. COM 09247X101 627 1,029 SH   DFND 1 1,029 0 0
Blackstone Inc COM 09260D107 912 10,000 SH   DFND 1 10,000 0 0
Boeing Co COM 097023105 358 2,617 SH   DFND 1 2,617 0 0
Bristol Myers Squibb Co COM 110122108 1,615 20,973 SH   DFND 1 20,973 0 0
CDW Corporation COM 12514G108 1,005 6,379 SH   DFND 1 6,379 0 0
Chevron Corp COM 166764100 1,239 8,560 SH   DFND 1 8,560 0 0
Chipotle Mexican Grill Inc Corp Common COM 169656105 1,825 1,396 SH   DFND 1 1,396 0 0
Cisco Systems Inc COM 17275R102 953 22,349 SH   DFND 1 22,349 0 0
Citigroup Inc Common New COM NEW 172967424 554 12,041 SH   DFND 1 12,041 0 0
Citizens & Northern Corp COM 172922106 7,902 326,922 SH   DFND 1 326,922 0 0
Citizens Financial Services Inc COM 174615104 6,068 86,687 SH   DFND 1 86,687 0 0
CME Group Inc COM 12572Q105 297 1,453 SH   DFND 1 1,453 0 0
Coca Cola Co COM 191216100 1,554 24,698 SH   DFND 1 24,698 0 0
Comcast Corp Class A CL A 20030N101 1,884 48,009 SH   DFND 1 48,009 0 0
Communication Services Select Sector SPDR ETF COMMUNICATION 81369Y852 402 7,405 SH   DFND 1 7,405 0 0
Community Bank System, Inc COM 203607106 330 5,216 SH   DFND 1 5,216 0 0
Corning Inc COM 219350105 696 22,093 SH   DFND 1 22,093 0 0
Costco Wholesale Corp (New) COM 22160K105 2,872 5,992 SH   DFND 1 5,992 0 0
CVS Health Corporation COM 126650100 2,786 30,070 SH   DFND 1 30,070 0 0
Danaher Corp COM 235851102 236 929 SH   DFND 1 929 0 0
Deere & Co COM 244199105 1,481 4,947 SH   DFND 1 4,947 0 0
Disney Walt Co COM 254687106 541 5,728 SH   DFND 1 5,728 0 0
DuPont de Nemours Inc COM 26614N102 635 11,425 SH   DFND 1 11,425 0 0
Eli Lilly & Co COM 532457108 216 665 SH   DFND 1 665 0 0
EOG Resources, Inc. COM 26875P101 1,304 11,806 SH   DFND 1 11,806 0 0
Exxon Mobil Corp COM 30231G102 2,534 29,587 SH   DFND 1 29,587 0 0
Fidelity MSCI Real Estate Index ETF MSCI RL EST ETF 316092857 14,584 536,949 SH   DFND 1 536,949 0 0
Financials Select Sector SPDR FINANCIAL 81369Y605 356 11,324 SH   DFND 1 11,324 0 0
FlexShares Core Select Bond Fund ETF CRE SLCT BD FD 33939L670 226 9,825 SH   DFND 1 9,825 0 0
Flexshares Morningstar Global Upstream Nat Res Index ETF MORNSTAR UPSTR 33939L407 20,013 504,479 SH   DFND 1 504,479 0 0
Freeport-McMoran, Inc. CL B 35671D857 584 19,976 SH   DFND 1 19,976 0 0
General Dynamics Corp COM 369550108 1,769 7,995 SH   DFND 1 7,995 0 0
Halliburton Co COM 406216101 1,191 37,981 SH   DFND 1 37,981 0 0
Home Depot Inc COM 437076102 1,800 6,562 SH   DFND 1 6,562 0 0
Honeywell Intl Inc COM 438516106 1,648 9,479 SH   DFND 1 9,479 0 0
Illinois Tool Works Inc COM 452308109 263 1,442 SH   DFND 1 1,442 0 0
Intel Corp COM 458140100 872 23,309 SH   DFND 1 23,309 0 0
Intercontinental Exchange Inc Common COM 45866F104 1,633 17,369 SH   DFND 1 17,369 0 0
International Business Machines COM 459200101 1,405 9,949 SH   DFND 1 9,949 0 0
Invesco KBW Bank ETF KBW BK ETF 46138E628 229 4,428 SH   DFND 1 4,428 0 0
iShares Barclays MBS Bond Fund ETF MBS ETF 464288588 1,812 18,589 SH   DFND 1 18,589 0 0
iShares Barclays TIPS Bond Fund TIPS BD ETF 464287176 221 1,940 SH   DFND 1 1,940 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 309 815 SH   DFND 1 815 0 0
iShares Dow Jones U.S. Aerospace and Defense Index Fund ETF US AER DEF ETF 464288760 283 2,851 SH   DFND 1 2,851 0 0
iShares iBoxx $ High Yield Corp Bond ETF IBOXX HI YD ETF 464288513 567 7,708 SH   DFND 1 7,708 0 0
iShares JPMorgan USD Emerging Markets Bond ETF JPMORGAN USD EMG 464288281 10,609 124,349 SH   DFND 1 124,349 0 0
iShares MSCI EAFE Small Cap Index ETF EAFE SML CP ETF 464288273 1,359 24,897 SH   DFND 1 24,897 0 0
iShares PHLX Semiconductor ETF ISHARES SEMICDTR 464287523 359 1,027 SH   DFND 1 1,027 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 457 3,153 SH   DFND 1 3,153 0 0
iShares S&P MidCap 400 Index Fd CORE S&P MCP ETF 464287507 9,050 40,002 SH   DFND 1 40,002 0 0
iShares Trust Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 755 3,450 SH   DFND 1 3,450 0 0
Johnson & Johnson COM 478160104 1,951 10,993 SH   DFND 1 10,993 0 0
JPMorgan Chase & Co COM 46625H100 3,329 29,565 SH   DFND 1 29,565 0 0
Lauder (Estee) Cos Inc Class A CL A 518439104 1,931 7,584 SH   DFND 1 7,584 0 0
Marsh & McLennan Cos Inc COM 571748102 998 6,427 SH   DFND 1 6,427 0 0
Masco Corp COM 574599106 1,130 22,327 SH   DFND 1 22,327 0 0
Mastercard Inc Class A CL A 57636Q104 3,180 10,081 SH   DFND 1 10,081 0 0
McDonalds Corp COM 580135101 1,650 6,683 SH   DFND 1 6,683 0 0
Meta Platforms Inc CL A 30303M102 2,051 12,718 SH   DFND 1 12,718 0 0
Microsoft Corp COM 594918104 8,486 33,043 SH   DFND 1 33,043 0 0
Mondelez Intl Inc Class A CL A 609207105 2,006 32,302 SH   DFND 1 32,302 0 0
National Fuel Gas Co N J COM 636180101 245 3,702 SH   DFND 1 3,702 0 0
Nextera Energy Inc COM 65339F101 1,497 19,327 SH   DFND 1 19,327 0 0
Nike, Inc. Class B CL B 654106103 2,252 22,036 SH   DFND 1 22,036 0 0
Norfolk Southern Corp COM 655844108 1,667 7,334 SH   DFND 1 7,334 0 0
Nvidia Corp COM 67066G104 2,185 14,411 SH   DFND 1 14,411 0 0
Oracle Corp COM 68389X105 259 3,709 SH   DFND 1 3,709 0 0
Palo Alto Networks Inc Common COM 697435105 1,719 3,481 SH   DFND 1 3,481 0 0
Pfizer Inc COM 717081103 2,118 40,405 SH   DFND 1 40,405 0 0
Procter & Gamble Co COM 742718109 2,515 17,488 SH   DFND 1 17,488 0 0
Roper Industries Inc New COM 776696106 440 1,115 SH   DFND 1 1,115 0 0
Salesforce, Inc. COM 79466L302 1,902 11,523 SH   DFND 1 11,523 0 0
Schlumberger Ltd COM STK 806857108 909 25,421 SH   DFND 1 25,421 0 0
SPDR Dow Jones Industrial Average ETF Trust UT SER 1 78467X109 783 2,543 SH   DFND 1 2,543 0 0
SPDR Portfolio Long Term Treasury ETF PORTFOLIO LN TSR 78464A664 1,183 35,786 SH   DFND 1 35,786 0 0
SPDR S&P 500 ETF Trust TR UNIT 78462F103 1,171 3,105 SH   DFND 1 3,105 0 0
SYSCO Corp COM 871829107 234 2,763 SH   DFND 1 2,763 0 0
Target Corp COM 87612E106 220 1,557 SH   DFND 1 1,557 0 0
Tjx Companies (New) COM 872540109 1,016 18,192 SH   DFND 1 18,192 0 0
Trevena Inc. COM 89532E109 7 16,000 SH   DFND 1 16,000 0 0
Truist Financial Corporation COM 89832Q109 1,618 34,112 SH   DFND 1 34,112 0 0
Union Pacific Corp COM 907818108 1,076 5,044 SH   DFND 1 5,044 0 0
Unitedhealth Group, Inc. COM 91324P102 382 744 SH   DFND 1 744 0 0
Vanguard Dividend Appreciation Index ETF DIV APP ETF 921908844 542 3,775 SH   DFND 1 3,775 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 29,285 520,337 SH   DFND 1 520,337 0 0
Vanguard Total International Bond Index Fund ETF TOTAL INT BD ETF 92203J407 1,325 26,750 SH   DFND 1 26,750 0 0
Verizon Communications COM 92343V104 791 15,585 SH   DFND 1 15,585 0 0
W W Grainger Inc COM 384802104 1,075 2,366 SH   DFND 1 2,366 0 0
Zimmer Biomet Holdings, Inc. COM 98956P102 1,408 13,400 SH   DFND 1 13,400 0 0