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 | 2,255,830 | 23,292 | SH | DFND | 1 | 23,292 | 0 | 0 | ||
| Accenture PLC | SHS CLASS A | G1151C101 | 221,119 | 720 | SH | DFND | 1 | 720 | 0 | 0 | ||
| Adobe Systems Inc | COM | 00724F101 | 1,366,022 | 2,679 | SH | DFND | 1 | 2,679 | 0 | 0 | ||
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 7,649,937 | 58,020 | SH | DFND | 1 | 58,020 | 0 | 0 | ||
| Amazon Communications Inc | COM | 023135106 | 4,501,319 | 35,410 | SH | DFND | 1 | 35,410 | 0 | 0 | ||
| American Tower REIT Inc | COM | 03027X100 | 1,563,097 | 9,505 | SH | DFND | 1 | 9,505 | 0 | 0 | ||
| Analog Devices Inc | COM | 032654105 | 1,652,675 | 9,439 | SH | DFND | 1 | 9,439 | 0 | 0 | ||
| Apple Computer Inc | COM | 037833100 | 10,013,730 | 58,488 | SH | DFND | 1 | 58,488 | 0 | 0 | ||
| AT&T Inc | COM | 00206R102 | 907,568 | 60,424 | SH | DFND | 1 | 60,424 | 0 | 0 | ||
| Bath & Body Works | COM | 070830104 | 1,125,405 | 33,296 | SH | DFND | 1 | 33,296 | 0 | 0 | ||
| Becton, Dickinson & Co. | COM | 075887109 | 1,240,168 | 4,797 | SH | DFND | 1 | 4,797 | 0 | 0 | ||
| Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 397,941 | 1,136 | SH | DFND | 1 | 1,136 | 0 | 0 | ||
| Biogen Idec Inc | COM | 09062X103 | 1,180,704 | 4,594 | SH | DFND | 1 | 4,594 | 0 | 0 | ||
| Blackrock, Inc. | COM | 09247X101 | 950,987 | 1,471 | SH | DFND | 1 | 1,471 | 0 | 0 | ||
| Blackstone Inc | COM | 09260D107 | 1,724,954 | 16,100 | SH | DFND | 1 | 16,100 | 0 | 0 | ||
| Boeing Co | COM | 097023105 | 880,386 | 4,593 | SH | DFND | 1 | 4,593 | 0 | 0 | ||
| Bristol Myers Squibb Co | COM | 110122108 | 1,167,300 | 20,112 | SH | DFND | 1 | 20,112 | 0 | 0 | ||
| Caterpillar Inc | COM | 149123101 | 252,525 | 925 | SH | DFND | 1 | 925 | 0 | 0 | ||
| CDW Corporation | COM | 12514G108 | 1,234,569 | 6,119 | SH | DFND | 1 | 6,119 | 0 | 0 | ||
| Cencora, Inc. | COM | 03073E105 | 1,267,529 | 7,043 | SH | DFND | 1 | 7,043 | 0 | 0 | ||
| Charles Schwab Corp | COM | 808513105 | 797,093 | 14,519 | SH | DFND | 1 | 14,519 | 0 | 0 | ||
| Chevron Corp | COM | 166764100 | 1,344,576 | 7,974 | SH | DFND | 1 | 7,974 | 0 | 0 | ||
| Chipotle Mexican Grill Inc Corp Common | COM | 169656105 | 1,982,040 | 1,082 | SH | DFND | 1 | 1,082 | 0 | 0 | ||
| Cisco Systems Inc | COM | 17275R102 | 1,767,252 | 32,873 | SH | DFND | 1 | 32,873 | 0 | 0 | ||
| Citizens & Northern Corp | COM | 172922106 | 5,593,838 | 318,737 | SH | DFND | 1 | 318,737 | 0 | 0 | ||
| Citizens Financial Services Inc | COM | 174615104 | 4,237,901 | 88,437 | SH | DFND | 1 | 88,437 | 0 | 0 | ||
| CME Group Inc | COM | 12572Q105 | 247,472 | 1,236 | SH | DFND | 1 | 1,236 | 0 | 0 | ||
| Coca Cola Co | COM | 191216100 | 1,372,910 | 24,525 | SH | DFND | 1 | 24,525 | 0 | 0 | ||
| Comcast Corp Class A | CL A | 20030N101 | 2,061,411 | 46,491 | SH | DFND | 1 | 46,491 | 0 | 0 | ||
| Corning Inc | COM | 219350105 | 681,492 | 22,366 | SH | DFND | 1 | 22,366 | 0 | 0 | ||
| Costco Wholesale Corp (New) | COM | 22160K105 | 3,339,479 | 5,911 | SH | DFND | 1 | 5,911 | 0 | 0 | ||
| CVS Health Corporation | COM | 126650100 | 2,045,726 | 29,300 | SH | DFND | 1 | 29,300 | 0 | 0 | ||
| Deere & Co | COM | 244199105 | 371,719 | 985 | SH | DFND | 1 | 985 | 0 | 0 | ||
| Disney Walt Co | COM | 254687106 | 541,657 | 6,683 | SH | DFND | 1 | 6,683 | 0 | 0 | ||
| DuPont de Nemours Inc | COM | 26614N102 | 848,983 | 11,382 | SH | DFND | 1 | 11,382 | 0 | 0 | ||
| Eli Lilly & Co | COM | 532457108 | 219,149 | 408 | SH | DFND | 1 | 408 | 0 | 0 | ||
| EOG Resources, Inc. | COM | 26875P101 | 1,184,319 | 9,343 | SH | DFND | 1 | 9,343 | 0 | 0 | ||
| Exxon Mobil Corp | COM | 30231G102 | 3,476,841 | 29,570 | SH | DFND | 1 | 29,570 | 0 | 0 | ||
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 15,544,575 | 683,278 | SH | DFND | 1 | 683,278 | 0 | 0 | ||
| FlexShares Core Select Bond Fund ETF | CRE SLCT BD FD | 33939L670 | 274,547 | 12,960 | SH | DFND | 1 | 12,960 | 0 | 0 | ||
| Flexshares Morningstar Global Upstream Nat Res Index ETF | MORNSTAR UPSTR | 33939L407 | 22,277,668 | 550,882 | SH | DFND | 1 | 550,882 | 0 | 0 | ||
| Freeport-McMoran, Inc. | CL B | 35671D857 | 717,833 | 19,250 | SH | DFND | 1 | 19,250 | 0 | 0 | ||
| General Dynamics Corp | COM | 369550108 | 1,706,330 | 7,722 | SH | DFND | 1 | 7,722 | 0 | 0 | ||
| GSK PLC ADR | SPONSORED ADR | 37733W204 | 1,486,649 | 41,011 | SH | DFND | 1 | 41,011 | 0 | 0 | ||
| Halliburton Co | COM | 406216101 | 1,123,025 | 27,729 | SH | DFND | 1 | 27,729 | 0 | 0 | ||
| Home Depot Inc | COM | 437076102 | 1,980,961 | 6,556 | SH | DFND | 1 | 6,556 | 0 | 0 | ||
| Honeywell Intl Inc | COM | 438516106 | 1,735,448 | 9,394 | SH | DFND | 1 | 9,394 | 0 | 0 | ||
| Illinois Tool Works Inc | COM | 452308109 | 332,107 | 1,442 | SH | DFND | 1 | 1,442 | 0 | 0 | ||
| Intel Corp | COM | 458140100 | 217,246 | 6,111 | SH | DFND | 1 | 6,111 | 0 | 0 | ||
| Intercontinental Exchange Inc Common | COM | 45866F104 | 1,445,223 | 13,136 | SH | DFND | 1 | 13,136 | 0 | 0 | ||
| International Business Machines | COM | 459200101 | 2,027,195 | 14,449 | SH | DFND | 1 | 14,449 | 0 | 0 | ||
| iShares Barclays MBS Bond Fund ETF | MBS ETF | 464288588 | 2,148,871 | 24,199 | SH | DFND | 1 | 24,199 | 0 | 0 | ||
| iShares Barclays TIPS Bond Fund | TIPS BD ETF | 464287176 | 329,830 | 3,180 | SH | DFND | 1 | 3,180 | 0 | 0 | ||
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 333,238 | 776 | SH | DFND | 1 | 776 | 0 | 0 | ||
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | 464288513 | 542,874 | 7,364 | SH | DFND | 1 | 7,364 | 0 | 0 | ||
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 8,606,258 | 104,293 | SH | DFND | 1 | 104,293 | 0 | 0 | ||
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 450,450 | 2,967 | SH | DFND | 1 | 2,967 | 0 | 0 | ||
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 8,172,446 | 32,775 | SH | DFND | 1 | 32,775 | 0 | 0 | ||
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 758,869 | 2,853 | SH | DFND | 1 | 2,853 | 0 | 0 | ||
| Johnson & Johnson | COM | 478160104 | 422,083 | 2,710 | SH | DFND | 1 | 2,710 | 0 | 0 | ||
| JPMorgan Chase & Co | COM | 46625H100 | 3,773,710 | 26,022 | SH | DFND | 1 | 26,022 | 0 | 0 | ||
| Lauder (Estee) Cos Inc Class A | CL A | 518439104 | 1,115,637 | 7,718 | SH | DFND | 1 | 7,718 | 0 | 0 | ||
| Lowes Cos Inc | COM | 548661107 | 239,016 | 1,150 | SH | DFND | 1 | 1,150 | 0 | 0 | ||
| Marsh & McLennan Cos Inc | COM | 571748102 | 1,230,670 | 6,467 | SH | DFND | 1 | 6,467 | 0 | 0 | ||
| Masco Corp | COM | 574599106 | 1,135,438 | 21,243 | SH | DFND | 1 | 21,243 | 0 | 0 | ||
| Mastercard Inc Class A | CL A | 57636Q104 | 4,020,862 | 10,156 | SH | DFND | 1 | 10,156 | 0 | 0 | ||
| McDonalds Corp | COM | 580135101 | 1,711,833 | 6,498 | SH | DFND | 1 | 6,498 | 0 | 0 | ||
| Meta Platforms Inc | CL A | 30303M102 | 3,187,630 | 10,618 | SH | DFND | 1 | 10,618 | 0 | 0 | ||
| Microsoft Corp | COM | 594918104 | 10,568,153 | 33,470 | SH | DFND | 1 | 33,470 | 0 | 0 | ||
| Mondelez Intl Inc Class A | CL A | 609207105 | 2,210,876 | 31,857 | SH | DFND | 1 | 31,857 | 0 | 0 | ||
| National Fuel Gas Co N J | COM | 636180101 | 203,643 | 3,923 | SH | DFND | 1 | 3,923 | 0 | 0 | ||
| Nextera Energy Inc | COM | 65339F101 | 1,053,907 | 18,396 | SH | DFND | 1 | 18,396 | 0 | 0 | ||
| Nike, Inc. Class B | CL B | 654106103 | 2,025,040 | 21,178 | SH | DFND | 1 | 21,178 | 0 | 0 | ||
| Norfolk Southern Corp | COM | 655844108 | 1,654,803 | 8,403 | SH | DFND | 1 | 8,403 | 0 | 0 | ||
| Nvidia Corp | COM | 67066G104 | 4,878,848 | 11,216 | SH | DFND | 1 | 11,216 | 0 | 0 | ||
| Oracle Corp | COM | 68389X105 | 1,466,886 | 13,849 | SH | DFND | 1 | 13,849 | 0 | 0 | ||
| Palo Alto Networks Inc Common | COM | 697435105 | 1,778,227 | 7,585 | SH | DFND | 1 | 7,585 | 0 | 0 | ||
| Pfizer Inc | COM | 717081103 | 1,271,207 | 38,324 | SH | DFND | 1 | 38,324 | 0 | 0 | ||
| Procter & Gamble Co | COM | 742718109 | 2,842,520 | 19,488 | SH | DFND | 1 | 19,488 | 0 | 0 | ||
| Rockwell Automation Inc Common | COM | 773903109 | 228,696 | 800 | SH | DFND | 1 | 800 | 0 | 0 | ||
| Roper Industries Inc New | COM | 776696106 | 539,972 | 1,115 | SH | DFND | 1 | 1,115 | 0 | 0 | ||
| Salesforce, Inc. | COM | 79466L302 | 2,266,269 | 11,176 | SH | DFND | 1 | 11,176 | 0 | 0 | ||
| Schlumberger Ltd | COM STK | 806857108 | 2,096,526 | 35,961 | SH | DFND | 1 | 35,961 | 0 | 0 | ||
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 851,778 | 2,543 | SH | DFND | 1 | 2,543 | 0 | 0 | ||
| SPDR Portfolio Long Term Treasury ETF | PORTFOLIO LN TSR | 78464A664 | 847,626 | 32,414 | SH | DFND | 1 | 32,414 | 0 | 0 | ||
| SPDR Portfolio S&P 400 Mid Cap ETF | PORTFOLIO S&P400 | 78464A847 | 7,807,713 | 178,299 | SH | DFND | 1 | 178,299 | 0 | 0 | ||
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 1,282,440 | 3,000 | SH | DFND | 1 | 3,000 | 0 | 0 | ||
| Tjx Companies (New) | COM | 872540109 | 1,558,600 | 17,536 | SH | DFND | 1 | 17,536 | 0 | 0 | ||
| Truist Financial Corporation | COM | 89832Q109 | 1,376,484 | 48,112 | SH | DFND | 1 | 48,112 | 0 | 0 | ||
| Union Pacific Corp | COM | 907818108 | 1,028,332 | 5,050 | SH | DFND | 1 | 5,050 | 0 | 0 | ||
| Unitedhealth Group, Inc. | COM | 91324P102 | 324,194 | 643 | SH | DFND | 1 | 643 | 0 | 0 | ||
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 586,560 | 3,775 | SH | DFND | 1 | 3,775 | 0 | 0 | ||
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 31,055,745 | 453,766 | SH | DFND | 1 | 453,766 | 0 | 0 | ||
| Vanguard Total International Bond Index Fund ETF | TOTAL INT BD ETF | 92203J407 | 935,459 | 19,558 | SH | DFND | 1 | 19,558 | 0 | 0 | ||
| Verizon Communications | COM | 92343V104 | 459,930 | 14,191 | SH | DFND | 1 | 14,191 | 0 | 0 | ||
| W W Grainger Inc | COM | 384802104 | 1,549,722 | 2,240 | SH | DFND | 1 | 2,240 | 0 | 0 | ||
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,551,778 | 13,828 | SH | DFND | 1 | 13,828 | 0 | 0 | ||