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 | (x$1000) | PRN AMT | PRN | CALL | DISCRETION | MANAGER | SOLE | SHARED | NONE |
| 3M Company | COM | 88579Y101 | 505 | 2,540 | SH | DFND | 1 | 2,540 | 0 | 0 | |
| Abbott Labs | COM | 002824100 | 3,670 | 31,658 | SH | DFND | 1 | 31,658 | 0 | 0 | |
| Accenture PLC | SHS CLASS A | G1151C101 | 1,639 | 5,560 | SH | DFND | 1 | 5,560 | 0 | 0 | |
| Activision Blizzard Inc Common | COM | 00507V109 | 1,022 | 10,707 | SH | DFND | 1 | 10,707 | 0 | 0 | |
| Adobe Systems Inc | COM | 00724F101 | 1,302 | 2,223 | SH | DFND | 1 | 2,223 | 0 | 0 | |
| Allstate Corp | COM | 020002101 | 348 | 2,665 | SH | DFND | 1 | 2,665 | 0 | 0 | |
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 7,657 | 3,055 | SH | DFND | 1 | 3,055 | 0 | 0 | |
| Altria Group Inc | COM | 02209S103 | 298 | 6,255 | SH | DFND | 1 | 6,255 | 0 | 0 | |
| Amazon Communications Inc | COM | 023135106 | 6,753 | 1,963 | SH | DFND | 1 | 1,963 | 0 | 0 | |
| American Tower REIT Inc | COM | 03027X100 | 2,916 | 10,796 | SH | DFND | 1 | 10,796 | 0 | 0 | |
| Analog Devices Inc | COM | 032654105 | 1,588 | 9,224 | SH | DFND | 1 | 9,224 | 0 | 0 | |
| Apple Computer Inc | COM | 037833100 | 9,505 | 69,402 | SH | DFND | 1 | 69,402 | 0 | 0 | |
| AT&T Inc | COM | 00206R102 | 675 | 23,458 | SH | DFND | 1 | 23,458 | 0 | 0 | |
| Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 283 | 1,020 | SH | DFND | 1 | 1,020 | 0 | 0 | |
| Blackrock, Inc. | COM | 09247X101 | 1,328 | 1,518 | SH | DFND | 1 | 1,518 | 0 | 0 | |
| Blackstone Group Inc | COM | 09260D107 | 965 | 9,936 | SH | DFND | 1 | 9,936 | 0 | 0 | |
| Boeing Co | COM | 097023105 | 1,226 | 5,117 | SH | DFND | 1 | 5,117 | 0 | 0 | |
| Bristol Myers Squibb Co | COM | 110122108 | 1,636 | 24,481 | SH | DFND | 1 | 24,481 | 0 | 0 | |
| Caterpillar Inc | COM | 149123101 | 201 | 925 | SH | DFND | 1 | 925 | 0 | 0 | |
| Chevron Corp | COM | 166764100 | 1,117 | 10,665 | SH | DFND | 1 | 10,665 | 0 | 0 | |
| Chipotle Mexican Grill Inc Corp Common | COM | 169656105 | 1,716 | 1,107 | SH | DFND | 1 | 1,107 | 0 | 0 | |
| Citigroup Inc Common New | COM NEW | 172967424 | 1,352 | 19,109 | SH | DFND | 1 | 19,109 | 0 | 0 | |
| Citizens & Northern Corp | COM | 172922106 | 6,721 | 274,324 | SH | DFND | 1 | 274,324 | 0 | 0 | |
| CME Group Inc | COM | 12572Q105 | 388 | 1,823 | SH | DFND | 1 | 1,823 | 0 | 0 | |
| Coca Cola Co | COM | 191216100 | 1,465 | 27,081 | SH | DFND | 1 | 27,081 | 0 | 0 | |
| Comcast Corp Class A | CL A | 20030N101 | 3,045 | 53,408 | SH | DFND | 1 | 53,408 | 0 | 0 | |
| Community Bank System, Inc | COM | 203607106 | 395 | 5,216 | SH | DFND | 1 | 5,216 | 0 | 0 | |
| Corning Inc | COM | 219350105 | 960 | 23,473 | SH | DFND | 1 | 23,473 | 0 | 0 | |
| Corteva Inc | COM | 22052L104 | 260 | 5,857 | SH | DFND | 1 | 5,857 | 0 | 0 | |
| Costco Wholesale Corp (New) | COM | 22160K105 | 2,557 | 6,462 | SH | DFND | 1 | 6,462 | 0 | 0 | |
| CVS Health Corporation | COM | 126650100 | 2,752 | 32,982 | SH | DFND | 1 | 32,982 | 0 | 0 | |
| Danaher Corp | COM | 235851102 | 400 | 1,491 | SH | DFND | 1 | 1,491 | 0 | 0 | |
| Deere & Co | COM | 244199105 | 2,668 | 7,564 | SH | DFND | 1 | 7,564 | 0 | 0 | |
| Disney Walt Co | COM | 254687106 | 1,336 | 7,602 | SH | DFND | 1 | 7,602 | 0 | 0 | |
| Dow, Inc | COM | 260557103 | 380 | 6,008 | SH | DFND | 1 | 6,008 | 0 | 0 | |
| DuPont de Nemours Inc | COM | 26614N102 | 1,404 | 18,136 | SH | DFND | 1 | 18,136 | 0 | 0 | |
| EBAY Inc | COM | 278642103 | 1,589 | 22,630 | SH | DFND | 1 | 22,630 | 0 | 0 | |
| Ecolab Inc. | COM | 278865100 | 1,160 | 5,632 | SH | DFND | 1 | 5,632 | 0 | 0 | |
| Eli Lilly & Co | COM | 532457108 | 2,495 | 10,872 | SH | DFND | 1 | 10,872 | 0 | 0 | |
| EOG Resources, Inc. | COM | 26875P101 | 1,094 | 13,117 | SH | DFND | 1 | 13,117 | 0 | 0 | |
| Exxon Mobil Corp | COM | 30231G102 | 2,186 | 34,654 | SH | DFND | 1 | 34,654 | 0 | 0 | |
| Facebook Inc Class A | CL A | 30303M102 | 4,402 | 12,659 | SH | DFND | 1 | 12,659 | 0 | 0 | |
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 15,629 | 513,602 | SH | DFND | 1 | 513,602 | 0 | 0 | |
| Fidelity Natl Financial Common | FNF GROUP COM | 31620R303 | 200 | 4,609 | SH | DFND | 1 | 4,609 | 0 | 0 | |
| Fidelity Natl Information Common | COM | 31620M106 | 272 | 1,918 | SH | DFND | 1 | 1,918 | 0 | 0 | |
| Flexshares Morningstar Global Upstream Nat Res Index ETF | MORNSTAR UPSTR | 33939L407 | 14,630 | 382,087 | SH | DFND | 1 | 382,087 | 0 | 0 | |
| General Dynamics Corp | COM | 369550108 | 1,638 | 8,699 | SH | DFND | 1 | 8,699 | 0 | 0 | |
| Halliburton Co | COM | 406216101 | 914 | 39,546 | SH | DFND | 1 | 39,546 | 0 | 0 | |
| Home Depot Inc | COM | 437076102 | 1,735 | 5,441 | SH | DFND | 1 | 5,441 | 0 | 0 | |
| Honeywell Intl Inc | COM | 438516106 | 2,299 | 10,479 | SH | DFND | 1 | 10,479 | 0 | 0 | |
| Illinois Tool Works Inc | COM | 452308109 | 322 | 1,442 | SH | DFND | 1 | 1,442 | 0 | 0 | |
| Intel Corp | COM | 458140100 | 2,075 | 36,957 | SH | DFND | 1 | 36,957 | 0 | 0 | |
| Intercontinental Exchange Inc Common | COM | 45866F104 | 2,266 | 19,087 | SH | DFND | 1 | 19,087 | 0 | 0 | |
| International Business Machines | COM | 459200101 | 1,657 | 11,304 | SH | DFND | 1 | 11,304 | 0 | 0 | |
| iShares Barclays MBS Bond Fund ETF | MBS ETF | 464288588 | 1,711 | 15,805 | SH | DFND | 1 | 15,805 | 0 | 0 | |
| iShares Barclays TIPS Bond Fund | TIPS BD ETF | 464287176 | 224 | 1,747 | SH | DFND | 1 | 1,747 | 0 | 0 | |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 778 | 1,810 | SH | DFND | 1 | 1,810 | 0 | 0 | |
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | 464288513 | 613 | 6,968 | SH | DFND | 1 | 6,968 | 0 | 0 | |
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 16,098 | 143,148 | SH | DFND | 1 | 143,148 | 0 | 0 | |
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 500 | 3,153 | SH | DFND | 1 | 3,153 | 0 | 0 | |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 10,927 | 40,662 | SH | DFND | 1 | 40,662 | 0 | 0 | |
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 1,196 | 4,406 | SH | DFND | 1 | 4,406 | 0 | 0 | |
| Johnson & Johnson | COM | 478160104 | 2,449 | 14,863 | SH | DFND | 1 | 14,863 | 0 | 0 | |
| JPMorgan Chase & Co | COM | 46625H100 | 5,196 | 33,406 | SH | DFND | 1 | 33,406 | 0 | 0 | |
| Lauder (Estee) Cos Inc Class A | CL A | 518439104 | 2,700 | 8,487 | SH | DFND | 1 | 8,487 | 0 | 0 | |
| Marsh & McLennan Cos Inc | COM | 571748102 | 1,030 | 7,324 | SH | DFND | 1 | 7,324 | 0 | 0 | |
| Masco Corp | COM | 574599106 | 1,483 | 25,172 | SH | DFND | 1 | 25,172 | 0 | 0 | |
| Mastercard Inc Class A | CL A | 57636Q104 | 3,296 | 9,027 | SH | DFND | 1 | 9,027 | 0 | 0 | |
| McDonalds Corp | COM | 580135101 | 1,693 | 7,328 | SH | DFND | 1 | 7,328 | 0 | 0 | |
| Merck & Co Inc New | COM | 58933Y105 | 273 | 3,510 | SH | DFND | 1 | 3,510 | 0 | 0 | |
| Microchip Technology Inc | COM | 595017104 | 270 | 1,802 | SH | DFND | 1 | 1,802 | 0 | 0 | |
| Microsoft Corp | COM | 594918104 | 9,967 | 36,794 | SH | DFND | 1 | 36,794 | 0 | 0 | |
| Mondelez Intl Inc Class A | CL A | 609207105 | 2,474 | 39,616 | SH | DFND | 1 | 39,616 | 0 | 0 | |
| Nextera Energy Inc | COM | 65339F101 | 1,503 | 20,505 | SH | DFND | 1 | 20,505 | 0 | 0 | |
| Nike, Inc. Class B | CL B | 654106103 | 3,204 | 20,737 | SH | DFND | 1 | 20,737 | 0 | 0 | |
| Norfolk Southern Corp | COM | 655844108 | 2,133 | 8,035 | SH | DFND | 1 | 8,035 | 0 | 0 | |
| Nvidia Corp | COM | 67066G104 | 3,847 | 4,808 | SH | DFND | 1 | 4,808 | 0 | 0 | |
| Oracle Corp | COM | 68389X105 | 608 | 7,817 | SH | DFND | 1 | 7,817 | 0 | 0 | |
| Palo Alto Networks Inc Common | COM | 697435105 | 1,387 | 3,738 | SH | DFND | 1 | 3,738 | 0 | 0 | |
| Pepsico Inc | COM | 713448108 | 623 | 4,203 | SH | DFND | 1 | 4,203 | 0 | 0 | |
| Pfizer Inc | COM | 717081103 | 1,727 | 44,099 | SH | DFND | 1 | 44,099 | 0 | 0 | |
| Philip Morris International Inc | COM | 718172109 | 379 | 3,823 | SH | DFND | 1 | 3,823 | 0 | 0 | |
| Procter & Gamble Co | COM | 742718109 | 2,760 | 20,458 | SH | DFND | 1 | 20,458 | 0 | 0 | |
| Rockwell Automation Inc Common | COM | 773903109 | 252 | 880 | SH | DFND | 1 | 880 | 0 | 0 | |
| Roper Industries Inc New | COM | 776696106 | 524 | 1,115 | SH | DFND | 1 | 1,115 | 0 | 0 | |
| Salesforce.Com | COM | 79466L302 | 2,483 | 10,165 | SH | DFND | 1 | 10,165 | 0 | 0 | |
| Schlumberger Ltd | COM STK | 806857108 | 865 | 27,015 | SH | DFND | 1 | 27,015 | 0 | 0 | |
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 877 | 2,543 | SH | DFND | 1 | 2,543 | 0 | 0 | |
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 1,478 | 3,453 | SH | DFND | 1 | 3,453 | 0 | 0 | |
| Stryker Corp | COM | 863667101 | 204 | 787 | SH | DFND | 1 | 787 | 0 | 0 | |
| SYSCO Corp | COM | 871829107 | 273 | 3,507 | SH | DFND | 1 | 3,507 | 0 | 0 | |
| Target Corp | COM | 87612E106 | 376 | 1,557 | SH | DFND | 1 | 1,557 | 0 | 0 | |
| Tjx Companies (New) | COM | 872540109 | 1,442 | 21,386 | SH | DFND | 1 | 21,386 | 0 | 0 | |
| Truist Financial Corporation | COM | 89832Q109 | 2,126 | 38,307 | SH | DFND | 1 | 38,307 | 0 | 0 | |
| Union Pacific Corp | COM | 907818108 | 1,437 | 6,532 | SH | DFND | 1 | 6,532 | 0 | 0 | |
| Unitedhealth Group, Inc. | COM | 91324P102 | 385 | 961 | SH | DFND | 1 | 961 | 0 | 0 | |
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 628 | 4,058 | SH | DFND | 1 | 4,058 | 0 | 0 | |
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 36,154 | 517,824 | SH | DFND | 1 | 517,824 | 0 | 0 | |
| Vanguard Total International Bond Index Fund ETF | INTL BD IDX ETF | 92203J407 | 1,710 | 29,953 | SH | DFND | 1 | 29,953 | 0 | 0 | |
| Vanguard Total World Stock Index Fund ETF | TT WRLD ST ETF | 922042742 | 207 | 2,000 | SH | DFND | 1 | 2,000 | 0 | 0 | |
| Verizon Communications | COM | 92343V104 | 970 | 17,310 | SH | DFND | 1 | 17,310 | 0 | 0 | |
| W W Grainger Inc | COM | 384802104 | 1,760 | 4,018 | SH | DFND | 1 | 4,018 | 0 | 0 | |
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 2,435 | 15,144 | SH | DFND | 1 | 15,144 | 0 | 0 | |