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 | (x$1000) | PRN AMT | PRN | CALL | DISCRETION | MANAGER | SOLE | SHARED | NONE |
| 3M Company | COM | 88579Y101 | 461 | 2,879 | SH | DFND | 1 | 2,879 | 0 | 0 | |
| Abbott Labs | COM | 002824100 | 3,582 | 32,910 | SH | DFND | 1 | 32,910 | 0 | 0 | |
| Accenture PLC | SHS CLASS A | G1151C101 | 1,312 | 5,804 | SH | DFND | 1 | 5,804 | 0 | 0 | |
| Alexion Pharmaceuticals Inc | COM | 015351109 | 1,410 | 12,318 | SH | DFND | 1 | 12,318 | 0 | 0 | |
| Allstate Corp | COM | 020002101 | 1,733 | 18,406 | SH | DFND | 1 | 18,406 | 0 | 0 | |
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 4,712 | 3,206 | SH | DFND | 1 | 3,206 | 0 | 0 | |
| Altria Group Inc | COM | 02209S103 | 276 | 7,155 | SH | DFND | 1 | 7,155 | 0 | 0 | |
| Amazon Communications Inc | COM | 023135106 | 5,778 | 1,835 | SH | DFND | 1 | 1,835 | 0 | 0 | |
| American Tower REIT Inc | COM | 03027X100 | 2,732 | 11,301 | SH | DFND | 1 | 11,301 | 0 | 0 | |
| Analog Devices Inc | COM | 032654105 | 982 | 8,411 | SH | DFND | 1 | 8,411 | 0 | 0 | |
| Apple Computer Inc | COM | 037833100 | 8,249 | 71,226 | SH | DFND | 1 | 71,226 | 0 | 0 | |
| AT&T Inc | COM | 00206R102 | 676 | 23,696 | SH | DFND | 1 | 23,696 | 0 | 0 | |
| Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 234 | 1,100 | SH | DFND | 1 | 1,100 | 0 | 0 | |
| Boeing Co | COM | 097023105 | 868 | 5,255 | SH | DFND | 1 | 5,255 | 0 | 0 | |
| Bristol Myers Squibb Co | COM | 110122108 | 1,579 | 26,191 | SH | DFND | 1 | 26,191 | 0 | 0 | |
| Chevron Corp | COM | 166764100 | 1,378 | 19,135 | SH | DFND | 1 | 19,135 | 0 | 0 | |
| Chipotle Mexican Grill Inc Corp Common | COM | 169656105 | 1,354 | 1,089 | SH | DFND | 1 | 1,089 | 0 | 0 | |
| Cisco Systems Inc | COM | 17275R102 | 202 | 5,140 | SH | DFND | 1 | 5,140 | 0 | 0 | |
| Citigroup Inc Common New | COM NEW | 172967424 | 886 | 20,555 | SH | DFND | 1 | 20,555 | 0 | 0 | |
| Citizens & Northern Corp | COM | 172922106 | 4,287 | 263,991 | SH | DFND | 1 | 263,991 | 0 | 0 | |
| CME Group Inc | COM | 12572Q105 | 346 | 2,069 | SH | DFND | 1 | 2,069 | 0 | 0 | |
| Coca Cola Co | COM | 191216100 | 1,404 | 28,442 | SH | DFND | 1 | 28,442 | 0 | 0 | |
| Colony Credit Real Estate Inc | COM CL A | 19625T101 | 58 | 11,903 | SH | DFND | 1 | 11,903 | 0 | 0 | |
| Comcast Corp Class A | CL A | 20030N101 | 2,539 | 54,879 | SH | DFND | 1 | 54,879 | 0 | 0 | |
| Community Bank System, Inc | COM | 203607106 | 284 | 5,216 | SH | DFND | 1 | 5,216 | 0 | 0 | |
| Corning Inc | COM | 219350105 | 999 | 30,824 | SH | DFND | 1 | 30,824 | 0 | 0 | |
| Costco Wholesale Corp (New) | COM | 22160K105 | 1,829 | 5,152 | SH | DFND | 1 | 5,152 | 0 | 0 | |
| CVS Health Corporation | COM | 126650100 | 2,042 | 34,964 | SH | DFND | 1 | 34,964 | 0 | 0 | |
| Danaher Corp | COM | 235851102 | 388 | 1,801 | SH | DFND | 1 | 1,801 | 0 | 0 | |
| Deere & Co | COM | 244199105 | 2,104 | 9,492 | SH | DFND | 1 | 9,492 | 0 | 0 | |
| Disney Walt Co | COM DISNEY | 254687106 | 1,003 | 8,084 | SH | DFND | 1 | 8,084 | 0 | 0 | |
| Dow, Inc | COM | 260557103 | 281 | 5,966 | SH | DFND | 1 | 5,966 | 0 | 0 | |
| DuPont de Nemours Inc | COM | 26614N102 | 933 | 16,817 | SH | DFND | 1 | 16,817 | 0 | 0 | |
| EBAY Inc | COM | 278642103 | 1,191 | 22,855 | SH | DFND | 1 | 22,855 | 0 | 0 | |
| Ecolab Inc. | COM | 278865100 | 1,142 | 5,716 | SH | DFND | 1 | 5,716 | 0 | 0 | |
| Eli Lilly & Co | COM | 532457108 | 1,696 | 11,458 | SH | DFND | 1 | 11,458 | 0 | 0 | |
| EOG Resources, Inc. | COM | 26875P101 | 499 | 13,874 | SH | DFND | 1 | 13,874 | 0 | 0 | |
| Exxon Mobil Corp | COM | 30231G102 | 1,254 | 36,535 | SH | DFND | 1 | 36,535 | 0 | 0 | |
| Facebook Inc Class A | CL A | 30303M102 | 3,488 | 13,319 | SH | DFND | 1 | 13,319 | 0 | 0 | |
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 12,636 | 537,722 | SH | DFND | 1 | 537,722 | 0 | 0 | |
| Fidelity Natl Information Common | COM | 31620M106 | 282 | 1,918 | SH | DFND | 1 | 1,918 | 0 | 0 | |
| Flexshares Morningstar Global Upstream Nat Res Index ETF | MORNSTAR UPSTR | 33939L407 | 12,429 | 447,726 | SH | DFND | 1 | 447,726 | 0 | 0 | |
| General Dynamics Corp | COM | 369550108 | 855 | 6,178 | SH | DFND | 1 | 6,178 | 0 | 0 | |
| Halliburton Co | COM | 406216101 | 324 | 26,877 | SH | DFND | 1 | 26,877 | 0 | 0 | |
| Home Depot Inc | COM | 437076102 | 1,570 | 5,653 | SH | DFND | 1 | 5,653 | 0 | 0 | |
| Honeywell Intl Inc | COM | 438516106 | 1,780 | 10,811 | SH | DFND | 1 | 10,811 | 0 | 0 | |
| Illinois Tool Works Inc | COM | 452308109 | 279 | 1,442 | SH | DFND | 1 | 1,442 | 0 | 0 | |
| Intel Corp | COM | 458140100 | 2,051 | 39,606 | SH | DFND | 1 | 39,606 | 0 | 0 | |
| Intercontinental Exchange Inc Common | COM | 45866F104 | 2,032 | 20,307 | SH | DFND | 1 | 20,307 | 0 | 0 | |
| International Business Machines | COM | 459200101 | 1,427 | 11,729 | SH | DFND | 1 | 11,729 | 0 | 0 | |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 2,466 | 7,339 | SH | DFND | 1 | 7,339 | 0 | 0 | |
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | 464288513 | 573 | 6,830 | SH | DFND | 1 | 6,830 | 0 | 0 | |
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 488 | 4,401 | SH | DFND | 1 | 4,401 | 0 | 0 | |
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 464 | 3,925 | SH | DFND | 1 | 3,925 | 0 | 0 | |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 7,838 | 42,295 | SH | DFND | 1 | 42,295 | 0 | 0 | |
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 991 | 4,570 | SH | DFND | 1 | 4,570 | 0 | 0 | |
| Johnson & Johnson | COM | 478160104 | 2,310 | 15,516 | SH | DFND | 1 | 15,516 | 0 | 0 | |
| JPMorgan Chase & Co | COM | 46625H100 | 3,442 | 35,752 | SH | DFND | 1 | 35,752 | 0 | 0 | |
| Lauder (Estee) Cos Inc Class A | CL A | 518439104 | 1,965 | 9,004 | SH | DFND | 1 | 9,004 | 0 | 0 | |
| Marsh & McLennan Cos Inc | COM | 571748102 | 889 | 7,750 | SH | DFND | 1 | 7,750 | 0 | 0 | |
| Masco Corp | COM | 574599106 | 1,447 | 26,253 | SH | DFND | 1 | 26,253 | 0 | 0 | |
| Mastercard Inc Class A | CL A | 57636Q104 | 2,441 | 7,219 | SH | DFND | 1 | 7,219 | 0 | 0 | |
| McDonalds Corp | COM | 580135101 | 1,700 | 7,744 | SH | DFND | 1 | 7,744 | 0 | 0 | |
| Merck & Co Inc New | COM | 58933Y105 | 298 | 3,590 | SH | DFND | 1 | 3,590 | 0 | 0 | |
| Microchip Technology Inc | COM | 595017104 | 253 | 2,458 | SH | DFND | 1 | 2,458 | 0 | 0 | |
| Microsoft Corp | COM | 594918104 | 8,023 | 38,144 | SH | DFND | 1 | 38,144 | 0 | 0 | |
| Mondelez Intl Inc Class A | CL A | 609207105 | 2,351 | 40,922 | SH | DFND | 1 | 40,922 | 0 | 0 | |
| Nextera Energy Inc | COM | 65339F101 | 1,478 | 5,324 | SH | DFND | 1 | 5,324 | 0 | 0 | |
| Nike, Inc. Class B | CL B | 654106103 | 3,281 | 26,132 | SH | DFND | 1 | 26,132 | 0 | 0 | |
| Norfolk Southern Corp | COM | 655844108 | 1,790 | 8,364 | SH | DFND | 1 | 8,364 | 0 | 0 | |
| Nvidia Corp | COM | 67066G104 | 2,247 | 4,151 | SH | DFND | 1 | 4,151 | 0 | 0 | |
| Oracle Corp | COM | 68389X105 | 1,496 | 25,058 | SH | DFND | 1 | 25,058 | 0 | 0 | |
| Palo Alto Networks Inc Common | COM | 697435105 | 908 | 3,711 | SH | DFND | 1 | 3,711 | 0 | 0 | |
| Pepsico Inc | COM | 713448108 | 644 | 4,649 | SH | DFND | 1 | 4,649 | 0 | 0 | |
| Pfizer Inc | COM | 717081103 | 1,700 | 46,334 | SH | DFND | 1 | 46,334 | 0 | 0 | |
| Philip Morris International Inc | COM | 718172109 | 287 | 3,823 | SH | DFND | 1 | 3,823 | 0 | 0 | |
| Procter & Gamble Co | COM | 742718109 | 2,856 | 20,549 | SH | DFND | 1 | 20,549 | 0 | 0 | |
| Rockwell Automation Inc Common | COM | 773903109 | 212 | 960 | SH | DFND | 1 | 960 | 0 | 0 | |
| Roper Industries Inc New | COM | 776696106 | 441 | 1,115 | SH | DFND | 1 | 1,115 | 0 | 0 | |
| Salesforce.Com | COM | 79466L302 | 2,673 | 10,636 | SH | DFND | 1 | 10,636 | 0 | 0 | |
| Schlumberger Ltd | COM | 806857108 | 276 | 17,728 | SH | DFND | 1 | 17,728 | 0 | 0 | |
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 706 | 2,543 | SH | DFND | 1 | 2,543 | 0 | 0 | |
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 1,236 | 3,691 | SH | DFND | 1 | 3,691 | 0 | 0 | |
| Starbucks Corp | COM | 855244109 | 225 | 2,624 | SH | DFND | 1 | 2,624 | 0 | 0 | |
| SYSCO Corp | COM | 871829107 | 251 | 4,035 | SH | DFND | 1 | 4,035 | 0 | 0 | |
| Target Corp | COM | 87612E106 | 272 | 1,727 | SH | DFND | 1 | 1,727 | 0 | 0 | |
| Tjx Companies (New) | COM | 872540109 | 1,260 | 22,646 | SH | DFND | 1 | 22,646 | 0 | 0 | |
| Truist Financial Corporation | COM | 89832Q109 | 1,528 | 40,154 | SH | DFND | 1 | 40,154 | 0 | 0 | |
| Union Pacific Corp | COM | 907818108 | 1,286 | 6,532 | SH | DFND | 1 | 6,532 | 0 | 0 | |
| Unitedhealth Group, Inc. | COM | 91324P102 | 386 | 1,239 | SH | DFND | 1 | 1,239 | 0 | 0 | |
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 206 | 1,600 | SH | DFND | 1 | 1,600 | 0 | 0 | |
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 13,160 | 59,040 | SH | DFND | 1 | 59,040 | 0 | 0 | |
| Vanguard Total International Bond Index Fund ETF | INTL BD IDX ETF | 92203J407 | 1,451 | 24,939 | SH | DFND | 1 | 24,939 | 0 | 0 | |
| Verizon Communications | COM | 92343V104 | 984 | 16,533 | SH | DFND | 1 | 16,533 | 0 | 0 | |
| W W Grainger Inc | COM | 384802104 | 1,506 | 4,220 | SH | DFND | 1 | 4,220 | 0 | 0 | |
| Xilinx Inc | COM | 983919101 | 1,174 | 11,258 | SH | DFND | 1 | 11,258 | 0 | 0 | |
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 2,136 | 15,690 | SH | DFND | 1 | 15,690 | 0 | 0 | |