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 2,712 28,025 SH   DFND 1 28,025 0 0
Accenture PLC SHS CLASS A G1151C101 281 1,093 SH   DFND 1 1,093 0 0
Adobe Systems Inc COM 00724F101 719 2,612 SH   DFND 1 2,612 0 0
Alphabet Inc Class C CAP STK CL C 02079K107 5,777 60,082 SH   DFND 1 60,082 0 0
Amazon Communications Inc COM 023135106 4,125 36,503 SH   DFND 1 36,503 0 0
American Tower REIT Inc COM 03027X100 2,061 9,599 SH   DFND 1 9,599 0 0
Amerisourcebergen Corp COM 03073E105 904 6,683 SH   DFND 1 6,683 0 0
Analog Devices Inc COM 032654105 1,271 9,121 SH   DFND 1 9,121 0 0
Apple Computer Inc COM 037833100 8,747 63,293 SH   DFND 1 63,293 0 0
AT&T Inc COM 00206R102 276 17,971 SH   DFND 1 17,971 0 0
Berkshire Hathaway Inc Class B New CL B NEW 084670702 307 1,150 SH   DFND 1 1,150 0 0
Biogen Idec Inc COM 09062X103 1,250 4,681 SH   DFND 1 4,681 0 0
Blackrock, Inc. COM 09247X101 766 1,392 SH   DFND 1 1,392 0 0
Blackstone Inc COM 09260D107 941 11,247 SH   DFND 1 11,247 0 0
Boeing Co COM 097023105 529 4,372 SH   DFND 1 4,372 0 0
Bristol Myers Squibb Co COM 110122108 1,475 20,747 SH   DFND 1 20,747 0 0
CDW Corporation COM 12514G108 998 6,393 SH   DFND 1 6,393 0 0
Chevron Corp COM 166764100 1,232 8,572 SH   DFND 1 8,572 0 0
Chipotle Mexican Grill Inc Corp Common COM 169656105 2,096 1,395 SH   DFND 1 1,395 0 0
Cisco Systems Inc COM 17275R102 896 22,393 SH   DFND 1 22,393 0 0
Citigroup Inc Common New COM NEW 172967424 703 16,870 SH   DFND 1 16,870 0 0
Citizens & Northern Corp COM 172922106 7,904 326,876 SH   DFND 1 326,876 0 0
Citizens Financial Services Inc COM 174615104 6,103 86,937 SH   DFND 1 86,937 0 0
CME Group Inc COM 12572Q105 257 1,453 SH   DFND 1 1,453 0 0
Coca Cola Co COM 191216100 1,385 24,730 SH   DFND 1 24,730 0 0
Comcast Corp Class A CL A 20030N101 1,411 48,113 SH   DFND 1 48,113 0 0
Community Bank System, Inc COM 203607106 313 5,216 SH   DFND 1 5,216 0 0
Corning Inc COM 219350105 641 22,093 SH   DFND 1 22,093 0 0
Costco Wholesale Corp (New) COM 22160K105 2,834 6,000 SH   DFND 1 6,000 0 0
CVS Health Corporation COM 126650100 2,870 30,093 SH   DFND 1 30,093 0 0
Danaher Corp COM 235851102 236 913 SH   DFND 1 913 0 0
Deere & Co COM 244199105 1,655 4,957 SH   DFND 1 4,957 0 0
Disney Walt Co COM 254687106 635 6,733 SH   DFND 1 6,733 0 0
DuPont de Nemours Inc COM 26614N102 577 11,452 SH   DFND 1 11,452 0 0
Eli Lilly & Co COM 532457108 204 630 SH   DFND 1 630 0 0
EOG Resources, Inc. COM 26875P101 1,323 11,845 SH   DFND 1 11,845 0 0
Exxon Mobil Corp COM 30231G102 2,588 29,645 SH   DFND 1 29,645 0 0
Fidelity MSCI Real Estate Index ETF MSCI RL EST ETF 316092857 13,010 543,913 SH   DFND 1 543,913 0 0
FlexShares Core Select Bond Fund ETF CRE SLCT BD FD 33939L670 272 12,494 SH   DFND 1 12,494 0 0
Flexshares Morningstar Global Upstream Nat Res Index ETF MORNSTAR UPSTR 33939L407 19,204 510,886 SH   DFND 1 510,886 0 0
FlexShares STOXX US ESG Select Index ETF STOX US ESG SLCT 33939L696 216 2,514 SH   DFND 1 2,514 0 0
Freeport-McMoran, Inc. CL B 35671D857 548 20,036 SH   DFND 1 20,036 0 0
General Dynamics Corp COM 369550108 1,698 8,003 SH   DFND 1 8,003 0 0
Halliburton Co COM 406216101 940 38,172 SH   DFND 1 38,172 0 0
Home Depot Inc COM 437076102 1,815 6,576 SH   DFND 1 6,576 0 0
Honeywell Intl Inc COM 438516106 1,585 9,491 SH   DFND 1 9,491 0 0
Illinois Tool Works Inc COM 452308109 260 1,442 SH   DFND 1 1,442 0 0
Intel Corp COM 458140100 914 35,461 SH   DFND 1 35,461 0 0
Intercontinental Exchange Inc Common COM 45866F104 1,572 17,401 SH   DFND 1 17,401 0 0
International Business Machines COM 459200101 1,186 9,980 SH   DFND 1 9,980 0 0
iShares Barclays MBS Bond Fund ETF MBS ETF 464288588 1,646 17,975 SH   DFND 1 17,975 0 0
iShares Barclays TIPS Bond Fund TIPS BD ETF 464287176 204 1,940 SH   DFND 1 1,940 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 292 815 SH   DFND 1 815 0 0
iShares iBoxx $ High Yield Corp Bond ETF IBOXX HI YD ETF 464288513 475 6,655 SH   DFND 1 6,655 0 0
iShares JPMorgan USD Emerging Markets Bond ETF JPMORGAN USD EMG 464288281 8,119 102,257 SH   DFND 1 102,257 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 429 3,153 SH   DFND 1 3,153 0 0
iShares S&P MidCap 400 Index Fd CORE S&P MCP ETF 464287507 8,814 40,200 SH   DFND 1 40,200 0 0
iShares Trust Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 726 3,450 SH   DFND 1 3,450 0 0
Johnson & Johnson COM 478160104 1,798 11,004 SH   DFND 1 11,004 0 0
JPMorgan Chase & Co COM 46625H100 3,097 29,632 SH   DFND 1 29,632 0 0
Lauder (Estee) Cos Inc Class A CL A 518439104 1,639 7,593 SH   DFND 1 7,593 0 0
Lowes Cos Inc COM 548661107 201 1,071 SH   DFND 1 1,071 0 0
Marsh & McLennan Cos Inc COM 571748102 962 6,442 SH   DFND 1 6,442 0 0
Masco Corp COM 574599106 1,045 22,385 SH   DFND 1 22,385 0 0
Mastercard Inc Class A CL A 57636Q104 2,871 10,098 SH   DFND 1 10,098 0 0
McDonalds Corp COM 580135101 1,542 6,682 SH   DFND 1 6,682 0 0
Meta Platforms Inc CL A 30303M102 1,962 14,459 SH   DFND 1 14,459 0 0
Microsoft Corp COM 594918104 7,706 33,089 SH   DFND 1 33,089 0 0
Mondelez Intl Inc Class A CL A 609207105 1,774 32,346 SH   DFND 1 32,346 0 0
National Fuel Gas Co N J COM 636180101 228 3,702 SH   DFND 1 3,702 0 0
Nextera Energy Inc COM 65339F101 1,513 19,302 SH   DFND 1 19,302 0 0
Nike, Inc. Class B CL B 654106103 1,833 22,058 SH   DFND 1 22,058 0 0
Norfolk Southern Corp COM 655844108 1,541 7,348 SH   DFND 1 7,348 0 0
Nvidia Corp COM 67066G104 1,748 14,403 SH   DFND 1 14,403 0 0
Oracle Corp COM 68389X105 227 3,709 SH   DFND 1 3,709 0 0
Palo Alto Networks Inc Common COM 697435105 1,715 10,468 SH   DFND 1 10,468 0 0
Pfizer Inc COM 717081103 1,760 40,215 SH   DFND 1 40,215 0 0
Procter & Gamble Co COM 742718109 2,140 16,949 SH   DFND 1 16,949 0 0
Roper Industries Inc New COM 776696106 401 1,115 SH   DFND 1 1,115 0 0
Salesforce, Inc. COM 79466L302 1,658 11,530 SH   DFND 1 11,530 0 0
Schlumberger Ltd COM STK 806857108 916 25,502 SH   DFND 1 25,502 0 0
SPDR Dow Jones Industrial Average ETF Trust UT SER 1 78467X109 731 2,543 SH   DFND 1 2,543 0 0
SPDR Portfolio Long Term Treasury ETF PORTFOLIO LN TSR 78464A664 940 31,722 SH   DFND 1 31,722 0 0
SPDR S&P 500 ETF Trust TR UNIT 78462F103 1,109 3,105 SH   DFND 1 3,105 0 0
Target Corp COM 87612E106 231 1,557 SH   DFND 1 1,557 0 0
Tjx Companies (New) COM 872540109 1,128 18,152 SH   DFND 1 18,152 0 0
Trevena Inc. COM 89532E109 2 16,000 SH   DFND 1 16,000 0 0
Truist Financial Corporation COM 89832Q109 1,491 34,233 SH   DFND 1 34,233 0 0
Union Pacific Corp COM 907818108 983 5,044 SH   DFND 1 5,044 0 0
Unitedhealth Group, Inc. COM 91324P102 376 744 SH   DFND 1 744 0 0
Vanguard Dividend Appreciation Index ETF DIV APP ETF 921908844 510 3,775 SH   DFND 1 3,775 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 28,682 529,096 SH   DFND 1 529,096 0 0
Vanguard Total International Bond Index Fund ETF TOTAL INT BD ETF 92203J407 884 18,530 SH   DFND 1 18,530 0 0
Verizon Communications COM 92343V104 582 15,319 SH   DFND 1 15,319 0 0
W W Grainger Inc COM 384802104 1,158 2,368 SH   DFND 1 2,368 0 0
Zimmer Biomet Holdings, Inc. COM 98956P102 1,399 13,384 SH   DFND 1 13,384 0 0