The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
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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 | FIGI | (to the nearest dollar) | PRN AMT | PRN | CALL | DISCRETION | MANAGER | SOLE | SHARED | NONE |
| Abbott Labs | COM | 002824100 | 3,170,955 | 28,882 | SH | DFND | 1 | 28,882 | 0 | 0 | ||
| Amazon Communications Inc | COM | 023135106 | 3,074,064 | 36,596 | SH | DFND | 1 | 36,596 | 0 | 0 | ||
| Analog Devices Inc | COM | 032654105 | 1,564,518 | 9,538 | SH | DFND | 1 | 9,538 | 0 | 0 | ||
| Apple Computer Inc | COM | 037833100 | 7,979,781 | 61,416 | SH | DFND | 1 | 61,416 | 0 | 0 | ||
| Bath & Body Works | COM | 070830104 | 770,572 | 18,286 | SH | DFND | 1 | 18,286 | 0 | 0 | ||
| Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 350,910 | 1,136 | SH | DFND | 1 | 1,136 | 0 | 0 | ||
| Boeing Co | COM | 097023105 | 873,587 | 4,586 | SH | DFND | 1 | 4,586 | 0 | 0 | ||
| Bristol Myers Squibb Co | COM | 110122108 | 1,495,912 | 20,791 | SH | DFND | 1 | 20,791 | 0 | 0 | ||
| CVS Health Corporation | COM | 126650100 | 2,851,428 | 30,598 | SH | DFND | 1 | 30,598 | 0 | 0 | ||
| Caterpillar Inc | COM | 149123101 | 221,593 | 925 | SH | DFND | 1 | 925 | 0 | 0 | ||
| Chevron Corp | COM | 166764100 | 1,510,947 | 8,418 | SH | DFND | 1 | 8,418 | 0 | 0 | ||
| Chipotle Mexican Grill Inc Corp Common | COM | 169656105 | 1,906,411 | 1,374 | SH | DFND | 1 | 1,374 | 0 | 0 | ||
| Citizens & Northern Corp | COM | 172922106 | 7,436,996 | 325,328 | SH | DFND | 1 | 325,328 | 0 | 0 | ||
| Citigroup Inc Common New | COM NEW | 172967424 | 773,162 | 17,094 | SH | DFND | 1 | 17,094 | 0 | 0 | ||
| Citizens Financial Services Inc | COM | 174615104 | 6,669,807 | 86,937 | SH | DFND | 1 | 86,937 | 0 | 0 | ||
| Coca Cola Co | COM | 191216100 | 1,589,741 | 24,992 | SH | DFND | 1 | 24,992 | 0 | 0 | ||
| Community Bank System, Inc | COM | 203607106 | 328,347 | 5,216 | SH | DFND | 1 | 5,216 | 0 | 0 | ||
| Corning Inc | COM | 219350105 | 714,402 | 22,367 | SH | DFND | 1 | 22,367 | 0 | 0 | ||
| Danaher Corp | COM | 235851102 | 221,360 | 834 | SH | DFND | 1 | 834 | 0 | 0 | ||
| Deere & Co | COM | 244199105 | 2,104,783 | 4,909 | SH | DFND | 1 | 4,909 | 0 | 0 | ||
| Disney Walt Co | COM | 254687106 | 591,653 | 6,810 | SH | DFND | 1 | 6,810 | 0 | 0 | ||
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 15,439,933 | 622,327 | SH | DFND | 1 | 622,327 | 0 | 0 | ||
| General Dynamics Corp | COM | 369550108 | 2,004,481 | 8,079 | SH | DFND | 1 | 8,079 | 0 | 0 | ||
| W W Grainger Inc | COM | 384802104 | 1,292,725 | 2,324 | SH | DFND | 1 | 2,324 | 0 | 0 | ||
| Halliburton Co | COM | 406216101 | 1,162,478 | 29,542 | SH | DFND | 1 | 29,542 | 0 | 0 | ||
| Home Depot Inc | COM | 437076102 | 2,129,844 | 6,743 | SH | DFND | 1 | 6,743 | 0 | 0 | ||
| Honeywell Intl Inc | COM | 438516106 | 2,072,924 | 9,673 | SH | DFND | 1 | 9,673 | 0 | 0 | ||
| Illinois Tool Works Inc | COM | 452308109 | 317,673 | 1,442 | SH | DFND | 1 | 1,442 | 0 | 0 | ||
| Intel Corp | COM | 458140100 | 906,866 | 34,312 | SH | DFND | 1 | 34,312 | 0 | 0 | ||
| International Business Machines | COM | 459200101 | 1,449,335 | 10,287 | SH | DFND | 1 | 10,287 | 0 | 0 | ||
| iShares Barclays TIPS Bond Fund | TIPS BD ETF | 464287176 | 206,494 | 1,940 | SH | DFND | 1 | 1,940 | 0 | 0 | ||
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 313,131 | 815 | SH | DFND | 1 | 815 | 0 | 0 | ||
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 8,490,339 | 35,100 | SH | DFND | 1 | 35,100 | 0 | 0 | ||
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 478,152 | 3,153 | SH | DFND | 1 | 3,153 | 0 | 0 | ||
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 739,128 | 3,450 | SH | DFND | 1 | 3,450 | 0 | 0 | ||
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 8,565,837 | 101,263 | SH | DFND | 1 | 101,263 | 0 | 0 | ||
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | 464288513 | 490,008 | 6,655 | SH | DFND | 1 | 6,655 | 0 | 0 | ||
| iShares Barclays MBS Bond Fund ETF | MBS ETF | 464288588 | 2,163,023 | 23,321 | SH | DFND | 1 | 23,321 | 0 | 0 | ||
| Johnson & Johnson | COM | 478160104 | 521,824 | 2,954 | SH | DFND | 1 | 2,954 | 0 | 0 | ||
| Lauder (Estee) Cos Inc Class A | CL A | 518439104 | 1,907,470 | 7,688 | SH | DFND | 1 | 7,688 | 0 | 0 | ||
| Lowes Cos Inc | COM | 548661107 | 229,126 | 1,150 | SH | DFND | 1 | 1,150 | 0 | 0 | ||
| Marsh & McLennan Cos Inc | COM | 571748102 | 1,085,218 | 6,558 | SH | DFND | 1 | 6,558 | 0 | 0 | ||
| McDonalds Corp | COM | 580135101 | 1,755,900 | 6,663 | SH | DFND | 1 | 6,663 | 0 | 0 | ||
| Microsoft Corp | COM | 594918104 | 7,940,200 | 33,109 | SH | DFND | 1 | 33,109 | 0 | 0 | ||
| Mondelez Intl Inc Class A | CL A | 609207105 | 2,205,249 | 33,087 | SH | DFND | 1 | 33,087 | 0 | 0 | ||
| National Fuel Gas Co N J | COM | 636180101 | 234,337 | 3,702 | SH | DFND | 1 | 3,702 | 0 | 0 | ||
| Nike, Inc. Class B | CL B | 654106103 | 2,557,137 | 21,854 | SH | DFND | 1 | 21,854 | 0 | 0 | ||
| Norfolk Southern Corp | COM | 655844108 | 1,828,190 | 7,419 | SH | DFND | 1 | 7,419 | 0 | 0 | ||
| Palo Alto Networks Inc Common | COM | 697435105 | 1,094,552 | 7,844 | SH | DFND | 1 | 7,844 | 0 | 0 | ||
| Pfizer Inc | COM | 717081103 | 2,011,887 | 39,264 | SH | DFND | 1 | 39,264 | 0 | 0 | ||
| Procter & Gamble Co | COM | 742718109 | 2,905,708 | 19,172 | SH | DFND | 1 | 19,172 | 0 | 0 | ||
| Rockwell Automation Inc Common | COM | 773903109 | 206,056 | 800 | SH | DFND | 1 | 800 | 0 | 0 | ||
| Roper Industries Inc New | COM | 776696106 | 481,780 | 1,115 | SH | DFND | 1 | 1,115 | 0 | 0 | ||
| Schlumberger Ltd | COM STK | 806857108 | 1,980,533 | 37,047 | SH | DFND | 1 | 37,047 | 0 | 0 | ||
| SYSCO Corp | COM | 871829107 | 203,586 | 2,663 | SH | DFND | 1 | 2,663 | 0 | 0 | ||
| Tjx Companies (New) | COM | 872540109 | 1,448,800 | 18,201 | SH | DFND | 1 | 18,201 | 0 | 0 | ||
| Union Pacific Corp | COM | 907818108 | 1,044,461 | 5,044 | SH | DFND | 1 | 5,044 | 0 | 0 | ||
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 573,234 | 3,775 | SH | DFND | 1 | 3,775 | 0 | 0 | ||
| Amerisourcebergen Corp | COM | 03073E105 | 1,195,101 | 7,212 | SH | DFND | 1 | 7,212 | 0 | 0 | ||
| Target Corp | COM | 87612E106 | 214,767 | 1,441 | SH | DFND | 1 | 1,441 | 0 | 0 | ||
| AT&T Inc | COM | 00206R102 | 321,162 | 17,445 | SH | DFND | 1 | 17,445 | 0 | 0 | ||
| Adobe Systems Inc | COM | 00724F101 | 906,948 | 2,695 | SH | DFND | 1 | 2,695 | 0 | 0 | ||
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 5,336,577 | 60,144 | SH | DFND | 1 | 60,144 | 0 | 0 | ||
| American Tower REIT Inc | COM | 03027X100 | 2,110,549 | 9,962 | SH | DFND | 1 | 9,962 | 0 | 0 | ||
| Biogen Idec Inc | COM | 09062X103 | 1,346,108 | 4,861 | SH | DFND | 1 | 4,861 | 0 | 0 | ||
| Blackrock, Inc. | COM | 09247X101 | 1,014,758 | 1,432 | SH | DFND | 1 | 1,432 | 0 | 0 | ||
| Blackstone Inc | COM | 09260D107 | 1,171,015 | 15,784 | SH | DFND | 1 | 15,784 | 0 | 0 | ||
| CDW Corporation | COM | 12514G108 | 1,166,663 | 6,533 | SH | DFND | 1 | 6,533 | 0 | 0 | ||
| CME Group Inc | COM | 12572Q105 | 215,917 | 1,284 | SH | DFND | 1 | 1,284 | 0 | 0 | ||
| Cisco Systems Inc | COM | 17275R102 | 1,582,744 | 33,223 | SH | DFND | 1 | 33,223 | 0 | 0 | ||
| Comcast Corp Class A | CL A | 20030N101 | 1,674,014 | 47,870 | SH | DFND | 1 | 47,870 | 0 | 0 | ||
| Costco Wholesale Corp (New) | COM | 22160K105 | 2,776,890 | 6,083 | SH | DFND | 1 | 6,083 | 0 | 0 | ||
| DuPont de Nemours Inc | COM | 26614N102 | 801,667 | 11,681 | SH | DFND | 1 | 11,681 | 0 | 0 | ||
| EOG Resources, Inc. | COM | 26875P101 | 1,290,149 | 9,961 | SH | DFND | 1 | 9,961 | 0 | 0 | ||
| Exxon Mobil Corp | COM | 30231G102 | 3,282,197 | 29,757 | SH | DFND | 1 | 29,757 | 0 | 0 | ||
| Meta Platforms Inc | CL A | 30303M102 | 1,741,199 | 14,469 | SH | DFND | 1 | 14,469 | 0 | 0 | ||
| Flexshares Morningstar Global Upstream Nat Res Index ETF | MORNSTAR UPSTR | 33939L407 | 21,529,691 | 495,277 | SH | DFND | 1 | 495,277 | 0 | 0 | ||
| FlexShares Core Select Bond Fund ETF | CRE SLCT BD FD | 33939L670 | 265,086 | 12,085 | SH | DFND | 1 | 12,085 | 0 | 0 | ||
| FlexShares STOXX US ESG Select Index ETF | STOX US ESG SLCT | 33939L696 | 211,566 | 2,304 | SH | DFND | 1 | 2,304 | 0 | 0 | ||
| Freeport-McMoran, Inc. | CL B | 35671D857 | 751,982 | 19,789 | SH | DFND | 1 | 19,789 | 0 | 0 | ||
| GSK PLC ADR | SPONSORED ADR | 37733W204 | 1,414,982 | 40,267 | SH | DFND | 1 | 40,267 | 0 | 0 | ||
| Intercontinental Exchange Inc Common | COM | 45866F104 | 1,427,540 | 13,915 | SH | DFND | 1 | 13,915 | 0 | 0 | ||
| JPMorgan Chase & Co | COM | 46625H100 | 4,079,456 | 30,421 | SH | DFND | 1 | 30,421 | 0 | 0 | ||
| Mastercard Inc Class A | CL A | 57636Q104 | 3,630,649 | 10,441 | SH | DFND | 1 | 10,441 | 0 | 0 | ||
| Nextera Energy Inc | COM | 65339F101 | 1,602,612 | 19,170 | SH | DFND | 1 | 19,170 | 0 | 0 | ||
| Nvidia Corp | COM | 67066G104 | 2,598,954 | 17,784 | SH | DFND | 1 | 17,784 | 0 | 0 | ||
| Oracle Corp | COM | 68389X105 | 218,900 | 2,678 | SH | DFND | 1 | 2,678 | 0 | 0 | ||
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 1,187,445 | 3,105 | SH | DFND | 1 | 3,105 | 0 | 0 | ||
| SPDR Portfolio Long Term Treasury ETF | PORTFOLIO LN TSR | 78464A664 | 972,737 | 33,508 | SH | DFND | 1 | 33,508 | 0 | 0 | ||
| SPDR Portfolio S&P 400 Mid Cap ETF | PORTFOLIO S&P400 | 78464A847 | 8,898,225 | 209,370 | SH | DFND | 1 | 209,370 | 0 | 0 | ||
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 842,572 | 2,543 | SH | DFND | 1 | 2,543 | 0 | 0 | ||
| Salesforce, Inc. | COM | 79466L302 | 1,528,498 | 11,528 | SH | DFND | 1 | 11,528 | 0 | 0 | ||
| Truist Financial Corporation | COM | 89832Q109 | 1,614,658 | 37,524 | SH | DFND | 1 | 37,524 | 0 | 0 | ||
| Unitedhealth Group, Inc. | COM | 91324P102 | 355,221 | 670 | SH | DFND | 1 | 670 | 0 | 0 | ||
| Vanguard Total International Bond Index Fund ETF | TOTAL INT BD ETF | 92203J407 | 878,878 | 18,530 | SH | DFND | 1 | 18,530 | 0 | 0 | ||
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 30,744,558 | 557,775 | SH | DFND | 1 | 557,775 | 0 | 0 | ||
| Verizon Communications | COM | 92343V104 | 553,176 | 14,040 | SH | DFND | 1 | 14,040 | 0 | 0 | ||
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,742,543 | 13,667 | SH | DFND | 1 | 13,667 | 0 | 0 | ||
| Accenture PLC | SHS CLASS A | G1151C101 | 247,628 | 928 | SH | DFND | 1 | 928 | 0 | 0 | ||