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 3,398 28,708 SH   DFND 1 28,708 0 0
Accenture PLC SHS CLASS A G1151C101 1,695 5,026 SH   DFND 1 5,026 0 0
Activision Blizzard Inc Common COM 00507V109 827 10,319 SH   DFND 1 10,319 0 0
Adobe Systems Inc COM 00724F101 1,158 2,542 SH   DFND 1 2,542 0 0
Alphabet Inc Class C CAP STK CL C 02079K107 7,787 2,788 SH   DFND 1 2,788 0 0
Amazon Communications Inc COM 023135106 5,943 1,823 SH   DFND 1 1,823 0 0
American Tower REIT Inc COM 03027X100 2,460 9,791 SH   DFND 1 9,791 0 0
Amerisourcebergen Corp COM 03073E105 948 6,129 SH   DFND 1 6,129 0 0
Analog Devices Inc COM 032654105 1,503 9,102 SH   DFND 1 9,102 0 0
Apple Computer Inc COM 037833100 11,138 63,787 SH   DFND 1 63,787 0 0
AT&T Inc COM 00206R102 432 18,271 SH   DFND 1 18,271 0 0
Berkshire Hathaway Inc Class B New CL B NEW 084670702 406 1,150 SH   DFND 1 1,150 0 0
Blackrock, Inc. COM 09247X101 1,114 1,458 SH   DFND 1 1,458 0 0
Blackstone Inc COM 09260D107 1,344 10,589 SH   DFND 1 10,589 0 0
Boeing Co COM 097023105 892 4,657 SH   DFND 1 4,657 0 0
Bristol Myers Squibb Co COM 110122108 1,532 20,984 SH   DFND 1 20,984 0 0
Caterpillar Inc COM 149123101 206 925 SH   DFND 1 925 0 0
Charles Schwab Corp COM 808513105 200 2,376 SH   DFND 1 2,376 0 0
Chevron Corp COM 166764100 1,415 8,688 SH   DFND 1 8,688 0 0
Chipotle Mexican Grill Inc Corp Common COM 169656105 1,609 1,017 SH   DFND 1 1,017 0 0
Cisco Systems Inc COM 17275R102 1,225 21,968 SH   DFND 1 21,968 0 0
Citigroup Inc Common New COM NEW 172967424 923 17,286 SH   DFND 1 17,286 0 0
Citizens & Northern Corp COM 172922106 8,184 335,679 SH   DFND 1 335,679 0 0
CME Group Inc COM 12572Q105 380 1,599 SH   DFND 1 1,599 0 0
Coca Cola Co COM 191216100 1,535 24,757 SH   DFND 1 24,757 0 0
Comcast Corp Class A CL A 20030N101 2,248 48,015 SH   DFND 1 48,015 0 0
Community Bank System, Inc COM 203607106 366 5,216 SH   DFND 1 5,216 0 0
Corning Inc COM 219350105 816 22,103 SH   DFND 1 22,103 0 0
Corteva Inc COM 22052L104 325 5,653 SH   DFND 1 5,653 0 0
Costco Wholesale Corp (New) COM 22160K105 3,454 5,998 SH   DFND 1 5,998 0 0
CVS Health Corporation COM 126650100 3,043 30,069 SH   DFND 1 30,069 0 0
Danaher Corp COM 235851102 304 1,035 SH   DFND 1 1,035 0 0
Deere & Co COM 244199105 2,030 4,885 SH   DFND 1 4,885 0 0
Disney Walt Co COM 254687106 943 6,877 SH   DFND 1 6,877 0 0
Dow, Inc COM 260557103 360 5,654 SH   DFND 1 5,654 0 0
DuPont de Nemours Inc COM 26614N102 1,230 16,713 SH   DFND 1 16,713 0 0
Ecolab Inc. COM 278865100 896 5,076 SH   DFND 1 5,076 0 0
Eli Lilly & Co COM 532457108 1,995 6,967 SH   DFND 1 6,967 0 0
EOG Resources, Inc. COM 26875P101 1,397 11,715 SH   DFND 1 11,715 0 0
Exxon Mobil Corp COM 30231G102 2,449 29,653 SH   DFND 1 29,653 0 0
Fidelity MSCI Real Estate Index ETF MSCI RL EST ETF 316092857 17,833 550,586 SH   DFND 1 550,586 0 0
Fidelity Natl Financial Common FNF GROUP COM 31620R303 225 4,609 SH   DFND 1 4,609 0 0
Flexshares Morningstar Global Upstream Nat Res Index ETF MORNSTAR UPSTR 33939L407 26,157 558,545 SH   DFND 1 558,545 0 0
General Dynamics Corp COM 369550108 1,934 8,020 SH   DFND 1 8,020 0 0
Halliburton Co COM 406216101 1,389 36,676 SH   DFND 1 36,676 0 0
Home Depot Inc COM 437076102 1,944 6,495 SH   DFND 1 6,495 0 0
Honeywell Intl Inc COM 438516106 1,865 9,583 SH   DFND 1 9,583 0 0
Illinois Tool Works Inc COM 452308109 302 1,442 SH   DFND 1 1,442 0 0
Intel Corp COM 458140100 1,703 34,368 SH   DFND 1 34,368 0 0
Intercontinental Exchange Inc Common COM 45866F104 2,267 17,162 SH   DFND 1 17,162 0 0
International Business Machines COM 459200101 1,350 10,386 SH   DFND 1 10,386 0 0
iShares Barclays MBS Bond Fund ETF MBS ETF 464288588 1,552 15,234 SH   DFND 1 15,234 0 0
iShares Barclays TIPS Bond Fund TIPS BD ETF 464287176 242 1,940 SH   DFND 1 1,940 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 370 815 SH   DFND 1 815 0 0
iShares iBoxx $ High Yield Corp Bond ETF IBOXX HI YD ETF 464288513 633 7,687 SH   DFND 1 7,687 0 0
iShares JPMorgan USD Emerging Markets Bond ETF JPMORGAN USD EMG 464288281 14,274 146,007 SH   DFND 1 146,007 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 523 3,153 SH   DFND 1 3,153 0 0
iShares S&P MidCap 400 Index Fd CORE S&P MCP ETF 464287507 10,839 40,394 SH   DFND 1 40,394 0 0
iShares Trust Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 1,021 3,679 SH   DFND 1 3,679 0 0
Johnson & Johnson COM 478160104 1,966 11,095 SH   DFND 1 11,095 0 0
JPMorgan Chase & Co COM 46625H100 4,168 30,575 SH   DFND 1 30,575 0 0
Lauder (Estee) Cos Inc Class A CL A 518439104 2,113 7,760 SH   DFND 1 7,760 0 0
Lowes Cos Inc COM 548661107 217 1,071 SH   DFND 1 1,071 0 0
Marsh & McLennan Cos Inc COM 571748102 1,106 6,492 SH   DFND 1 6,492 0 0
Masco Corp COM 574599106 1,168 22,894 SH   DFND 1 22,894 0 0
Mastercard Inc Class A CL A 57636Q104 3,555 9,948 SH   DFND 1 9,948 0 0
McDonalds Corp COM 580135101 1,668 6,745 SH   DFND 1 6,745 0 0
Meta Platforms Inc CL A 30303M102 2,619 11,779 SH   DFND 1 11,779 0 0
Microsoft Corp COM 594918104 10,285 33,359 SH   DFND 1 33,359 0 0
Mondelez Intl Inc Class A CL A 609207105 2,075 33,059 SH   DFND 1 33,059 0 0
National Fuel Gas Co N J COM 636180101 254 3,702 SH   DFND 1 3,702 0 0
Nextera Energy Inc COM 65339F101 1,569 18,517 SH   DFND 1 18,517 0 0
Nike, Inc. Class B CL B 654106103 2,982 22,159 SH   DFND 1 22,159 0 0
Norfolk Southern Corp COM 655844108 2,115 7,416 SH   DFND 1 7,416 0 0
Nvidia Corp COM 67066G104 3,890 14,257 SH   DFND 1 14,257 0 0
Oracle Corp COM 68389X105 322 3,896 SH   DFND 1 3,896 0 0
Palo Alto Networks Inc Common COM 697435105 2,055 3,301 SH   DFND 1 3,301 0 0
Pfizer Inc COM 717081103 1,996 38,557 SH   DFND 1 38,557 0 0
Procter & Gamble Co COM 742718109 2,659 17,399 SH   DFND 1 17,399 0 0
Rockwell Automation Inc Common COM 773903109 246 880 SH   DFND 1 880 0 0
Roper Industries Inc New COM 776696106 527 1,115 SH   DFND 1 1,115 0 0
Salesforce, Inc. COM 79466L302 2,369 11,160 SH   DFND 1 11,160 0 0
Schlumberger Ltd COM 806857108 1,034 25,026 SH   DFND 1 25,026 0 0
SPDR Dow Jones Industrial Average ETF Trust UT SER 1 78467X109 882 2,543 SH   DFND 1 2,543 0 0
SPDR Portfolio Long Term Treasury ETF PORTFOLIO LN TSR 78464A664 1,127 29,806 SH   DFND 1 29,806 0 0
SPDR S&P 500 ETF Trust TR UNIT 78462F103 1,498 3,316 SH   DFND 1 3,316 0 0
Stryker Corp COM 863667101 203 758 SH   DFND 1 758 0 0
SYSCO Corp COM 871829107 253 3,093 SH   DFND 1 3,093 0 0
Target Corp COM 87612E106 330 1,557 SH   DFND 1 1,557 0 0
Tjx Companies (New) COM 872540109 1,145 18,904 SH   DFND 1 18,904 0 0
Truist Financial Corporation COM 89832Q109 1,943 34,264 SH   DFND 1 34,264 0 0
Union Pacific Corp COM 907818108 1,378 5,044 SH   DFND 1 5,044 0 0
Unitedhealth Group, Inc. COM 91324P102 418 820 SH   DFND 1 820 0 0
Vanguard Dividend Appreciation Index ETF DIV APP ETF 921908844 612 3,775 SH   DFND 1 3,775 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 35,893 502,982 SH   DFND 1 502,982 0 0
Vanguard Total International Bond Index Fund ETF INTL BD IDX ETF 92203J407 1,493 28,476 SH   DFND 1 28,476 0 0
Vanguard Total World Stock Index Fund ETF TT WRLD ST ETF 922042742 203 2,000 SH   DFND 1 2,000 0 0
Verizon Communications COM 92343V104 794 15,585 SH   DFND 1 15,585 0 0
W W Grainger Inc COM 384802104 1,239 2,402 SH   DFND 1 2,402 0 0
Zimmer Biomet Holdings, Inc. COM 98956P102 1,730 13,528 SH   DFND 1 13,528 0 0