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 | 2,382,768 | 20,964 | SH | DFND | 1 | 20,964 | 0 | 0 | ||
| Accenture PLC | SHS CLASS A | G1151C101 | 227,030 | 655 | SH | DFND | 1 | 655 | 0 | 0 | ||
| Adobe Systems Inc | COM | 00724F101 | 1,750,962 | 3,470 | SH | DFND | 1 | 3,470 | 0 | 0 | ||
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 7,583,766 | 49,808 | SH | DFND | 1 | 49,808 | 0 | 0 | ||
| Amazon Communications Inc | COM | 023135106 | 5,852,068 | 32,443 | SH | DFND | 1 | 32,443 | 0 | 0 | ||
| American Tower REIT Inc | COM | 03027X100 | 1,758,749 | 8,901 | SH | DFND | 1 | 8,901 | 0 | 0 | ||
| Analog Devices Inc | COM | 032654105 | 1,721,169 | 8,702 | SH | DFND | 1 | 8,702 | 0 | 0 | ||
| Apple Computer Inc | COM | 037833100 | 9,430,200 | 54,993 | SH | DFND | 1 | 54,993 | 0 | 0 | ||
| AT&T Inc | COM | 00206R102 | 1,035,883 | 58,857 | SH | DFND | 1 | 58,857 | 0 | 0 | ||
| Avantis Emerging Markets Equity ETF | AVANTIS EMGMKT | 025072604 | 392,215 | 6,767 | SH | DFND | 1 | 6,767 | 0 | 0 | ||
| Avantis International Equity ETF | INTL EQT ETF | 025072703 | 2,014,248 | 31,601 | SH | DFND | 1 | 31,601 | 0 | 0 | ||
| Avantis US Equity ETF | US EQT ETF | 025072885 | 1,058,159 | 11,823 | SH | DFND | 1 | 11,823 | 0 | 0 | ||
| Bath & Body Works | COM | 070830104 | 1,449,480 | 28,978 | SH | DFND | 1 | 28,978 | 0 | 0 | ||
| Becton, Dickinson & Co. | COM | 075887109 | 1,156,334 | 4,673 | SH | DFND | 1 | 4,673 | 0 | 0 | ||
| Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 540,368 | 1,285 | SH | DFND | 1 | 1,285 | 0 | 0 | ||
| Biogen Idec Inc | COM | 09062X103 | 970,551 | 4,501 | SH | DFND | 1 | 4,501 | 0 | 0 | ||
| Blackrock, Inc. | COM | 09247X101 | 1,131,331 | 1,357 | SH | DFND | 1 | 1,357 | 0 | 0 | ||
| Blackstone Inc | COM | 09260D107 | 1,603,239 | 12,204 | SH | DFND | 1 | 12,204 | 0 | 0 | ||
| Boeing Co | COM | 097023105 | 1,064,340 | 5,515 | SH | DFND | 1 | 5,515 | 0 | 0 | ||
| Bristol Myers Squibb Co | COM | 110122108 | 1,013,776 | 18,694 | SH | DFND | 1 | 18,694 | 0 | 0 | ||
| Caterpillar Inc | COM | 149123101 | 338,948 | 925 | SH | DFND | 1 | 925 | 0 | 0 | ||
| CDW Corporation | COM | 12514G108 | 1,534,936 | 6,001 | SH | DFND | 1 | 6,001 | 0 | 0 | ||
| Cencora, Inc. | COM | 03073E105 | 1,658,893 | 6,827 | SH | DFND | 1 | 6,827 | 0 | 0 | ||
| Charles Schwab Corp | COM | 808513105 | 988,092 | 13,659 | SH | DFND | 1 | 13,659 | 0 | 0 | ||
| Chevron Corp | COM | 166764100 | 1,201,348 | 7,616 | SH | DFND | 1 | 7,616 | 0 | 0 | ||
| Chipotle Mexican Grill Inc Corp Common | COM | 169656105 | 3,028,854 | 1,042 | SH | DFND | 1 | 1,042 | 0 | 0 | ||
| Cisco Systems Inc | COM | 17275R102 | 1,568,571 | 31,428 | SH | DFND | 1 | 31,428 | 0 | 0 | ||
| Citizens & Northern Corp | COM | 172922106 | 5,783,321 | 307,951 | SH | DFND | 1 | 307,951 | 0 | 0 | ||
| Citizens Financial Services Inc | COM | 174615104 | 4,355,282 | 88,522 | SH | DFND | 1 | 88,522 | 0 | 0 | ||
| CME Group Inc | COM | 12572Q105 | 240,910 | 1,119 | SH | DFND | 1 | 1,119 | 0 | 0 | ||
| Coca Cola Co | COM | 191216100 | 1,399,248 | 22,871 | SH | DFND | 1 | 22,871 | 0 | 0 | ||
| Comcast Corp Class A | CL A | 20030N101 | 1,897,213 | 43,765 | SH | DFND | 1 | 43,765 | 0 | 0 | ||
| Corning Inc | COM | 219350105 | 656,761 | 19,926 | SH | DFND | 1 | 19,926 | 0 | 0 | ||
| Costco Wholesale Corp (New) | COM | 22160K105 | 3,934,223 | 5,370 | SH | DFND | 1 | 5,370 | 0 | 0 | ||
| CVS Health Corporation | COM | 126650100 | 2,206,560 | 27,665 | SH | DFND | 1 | 27,665 | 0 | 0 | ||
| Deere & Co | COM | 244199105 | 376,238 | 916 | SH | DFND | 1 | 916 | 0 | 0 | ||
| DFA Dimensional International Core Equity 2 ETF | INTL CORE EQUITY | 25434V799 | 247,999 | 9,271 | SH | DFND | 1 | 9,271 | 0 | 0 | ||
| Dimensional U.S. Core Equity 2 ETF | US CORE EQUITY 2 | 25434V708 | 4,789,177 | 149,896 | SH | DFND | 1 | 149,896 | 0 | 0 | ||
| Disney Walt Co | COM | 254687106 | 1,277,071 | 10,437 | SH | DFND | 1 | 10,437 | 0 | 0 | ||
| DuPont de Nemours Inc | COM | 26614N102 | 836,470 | 10,910 | SH | DFND | 1 | 10,910 | 0 | 0 | ||
| Eli Lilly & Co | COM | 532457108 | 216,273 | 278 | SH | DFND | 1 | 278 | 0 | 0 | ||
| EOG Resources, Inc. | COM | 26875P101 | 1,125,759 | 8,806 | SH | DFND | 1 | 8,806 | 0 | 0 | ||
| Exxon Mobil Corp | COM | 30231G102 | 3,356,198 | 28,873 | SH | DFND | 1 | 28,873 | 0 | 0 | ||
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 17,055,346 | 653,712 | SH | DFND | 1 | 653,712 | 0 | 0 | ||
| FlexShares Core Select Bond Fund ETF | CRE SLCT BD FD | 33939L670 | 269,772 | 12,229 | SH | DFND | 1 | 12,229 | 0 | 0 | ||
| Flexshares Morningstar Global Upstream Nat Res Index ETF | MORNSTAR UPSTR | 33939L407 | 23,373,635 | 569,117 | SH | DFND | 1 | 569,117 | 0 | 0 | ||
| FlexShares STOXX US ESG Select Index ETF | STOX US ESG SLCT | 33939L696 | 293,678 | 2,320 | SH | DFND | 1 | 2,320 | 0 | 0 | ||
| Freeport-McMoran, Inc. | CL B | 35671D857 | 841,987 | 17,907 | SH | DFND | 1 | 17,907 | 0 | 0 | ||
| General Dynamics Corp | COM | 369550108 | 2,067,544 | 7,319 | SH | DFND | 1 | 7,319 | 0 | 0 | ||
| GSK PLC ADR | SPONSORED ADR | 37733W204 | 1,652,338 | 38,543 | SH | DFND | 1 | 38,543 | 0 | 0 | ||
| Halliburton Co | COM | 406216101 | 1,045,931 | 26,533 | SH | DFND | 1 | 26,533 | 0 | 0 | ||
| Home Depot Inc | COM | 437076102 | 2,436,627 | 6,352 | SH | DFND | 1 | 6,352 | 0 | 0 | ||
| Honeywell Intl Inc | COM | 438516106 | 1,791,627 | 8,729 | SH | DFND | 1 | 8,729 | 0 | 0 | ||
| Illinois Tool Works Inc | COM | 452308109 | 386,932 | 1,442 | SH | DFND | 1 | 1,442 | 0 | 0 | ||
| Intercontinental Exchange Inc Common | COM | 45866F104 | 1,368,940 | 9,961 | SH | DFND | 1 | 9,961 | 0 | 0 | ||
| International Business Machines | COM | 459200101 | 2,613,288 | 13,685 | SH | DFND | 1 | 13,685 | 0 | 0 | ||
| iShares Barclays MBS Bond Fund ETF | MBS ETF | 464288588 | 2,554,304 | 27,638 | SH | DFND | 1 | 27,638 | 0 | 0 | ||
| iShares Barclays TIPS Bond Fund | TIPS BD ETF | 464287176 | 369,705 | 3,442 | SH | DFND | 1 | 3,442 | 0 | 0 | ||
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 351,713 | 669 | SH | DFND | 1 | 669 | 0 | 0 | ||
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | 464288513 | 577,378 | 7,428 | SH | DFND | 1 | 7,428 | 0 | 0 | ||
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 9,038,108 | 100,793 | SH | DFND | 1 | 100,793 | 0 | 0 | ||
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 531,419 | 2,967 | SH | DFND | 1 | 2,967 | 0 | 0 | ||
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 12,248,100 | 201,648 | SH | DFND | 1 | 201,648 | 0 | 0 | ||
| iShares Short-Term National Muni Bond ETF | SHRT NAT MUN ETF | 464288158 | 973,570 | 9,296 | SH | DFND | 1 | 9,296 | 0 | 0 | ||
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 850,040 | 2,522 | SH | DFND | 1 | 2,522 | 0 | 0 | ||
| Johnson & Johnson | COM | 478160104 | 288,064 | 1,821 | SH | DFND | 1 | 1,821 | 0 | 0 | ||
| JPMorgan Chase & Co | COM | 46625H100 | 4,834,441 | 24,136 | SH | DFND | 1 | 24,136 | 0 | 0 | ||
| Lauder (Estee) Cos Inc Class A | CL A | 518439104 | 1,105,564 | 7,172 | SH | DFND | 1 | 7,172 | 0 | 0 | ||
| Lowes Cos Inc | COM | 548661107 | 286,826 | 1,126 | SH | DFND | 1 | 1,126 | 0 | 0 | ||
| Marsh & McLennan Cos Inc | COM | 571748102 | 1,485,528 | 7,212 | SH | DFND | 1 | 7,212 | 0 | 0 | ||
| Masco Corp | COM | 574599106 | 1,521,516 | 19,289 | SH | DFND | 1 | 19,289 | 0 | 0 | ||
| Mastercard Inc Class A | CL A | 57636Q104 | 3,853,042 | 8,001 | SH | DFND | 1 | 8,001 | 0 | 0 | ||
| McDonalds Corp | COM | 580135101 | 1,627,133 | 5,771 | SH | DFND | 1 | 5,771 | 0 | 0 | ||
| Meta Platforms Inc | CL A | 30303M102 | 4,668,852 | 9,615 | SH | DFND | 1 | 9,615 | 0 | 0 | ||
| Microchip Technology Inc | COM | 595017104 | 1,126,488 | 12,557 | SH | DFND | 1 | 12,557 | 0 | 0 | ||
| Microsoft Corp | COM | 594918104 | 12,877,818 | 30,609 | SH | DFND | 1 | 30,609 | 0 | 0 | ||
| Mondelez Intl Inc Class A | CL A | 609207105 | 2,110,010 | 30,143 | SH | DFND | 1 | 30,143 | 0 | 0 | ||
| National Fuel Gas Co N J | COM | 636180101 | 210,744 | 3,923 | SH | DFND | 1 | 3,923 | 0 | 0 | ||
| Nextera Energy Inc | COM | 65339F101 | 1,098,485 | 17,188 | SH | DFND | 1 | 17,188 | 0 | 0 | ||
| Nike, Inc. Class B | CL B | 654106103 | 1,817,197 | 19,336 | SH | DFND | 1 | 19,336 | 0 | 0 | ||
| Norfolk Southern Corp | COM | 655844108 | 2,172,512 | 8,524 | SH | DFND | 1 | 8,524 | 0 | 0 | ||
| Nvidia Corp | COM | 67066G104 | 7,804,048 | 8,637 | SH | DFND | 1 | 8,637 | 0 | 0 | ||
| Oracle Corp | COM | 68389X105 | 2,173,053 | 17,300 | SH | DFND | 1 | 17,300 | 0 | 0 | ||
| Palo Alto Networks Inc Common | COM | 697435105 | 1,391,953 | 4,899 | SH | DFND | 1 | 4,899 | 0 | 0 | ||
| Paypal Holdings, Inc. | COM | 70450Y103 | 783,046 | 11,689 | SH | DFND | 1 | 11,689 | 0 | 0 | ||
| Pfizer Inc | COM | 717081103 | 900,349 | 32,445 | SH | DFND | 1 | 32,445 | 0 | 0 | ||
| Procter & Gamble Co | COM | 742718109 | 2,929,424 | 18,055 | SH | DFND | 1 | 18,055 | 0 | 0 | ||
| Rockwell Automation Inc Common | COM | 773903109 | 233,064 | 800 | SH | DFND | 1 | 800 | 0 | 0 | ||
| Roper Industries Inc New | COM | 776696106 | 625,337 | 1,115 | SH | DFND | 1 | 1,115 | 0 | 0 | ||
| Salesforce, Inc. | COM | 79466L302 | 2,536,237 | 8,421 | SH | DFND | 1 | 8,421 | 0 | 0 | ||
| Schlumberger Ltd | COM STK | 806857108 | 1,934,574 | 35,296 | SH | DFND | 1 | 35,296 | 0 | 0 | ||
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 1,011,504 | 2,543 | SH | DFND | 1 | 2,543 | 0 | 0 | ||
| SPDR Nuveen Bloomberg Barclays ST Muni Bond ETF | NUVEEN BLMBRG SH | 78468R739 | 271,926 | 5,732 | SH | DFND | 1 | 5,732 | 0 | 0 | ||
| SPDR Portfolio Long Term Treasury ETF | PORTFOLIO LN TSR | 78464A664 | 888,576 | 31,803 | SH | DFND | 1 | 31,803 | 0 | 0 | ||
| SPDR Portfolio S&P 400 Mid Cap ETF | PORTFOLIO S&P400 | 78464A847 | 13,627,250 | 255,479 | SH | DFND | 1 | 255,479 | 0 | 0 | ||
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 1,534,164 | 2,933 | SH | DFND | 1 | 2,933 | 0 | 0 | ||
| SYSCO Corp | COM | 871829107 | 203,437 | 2,506 | SH | DFND | 1 | 2,506 | 0 | 0 | ||
| Tjx Companies (New) | COM | 872540109 | 1,700,306 | 16,765 | SH | DFND | 1 | 16,765 | 0 | 0 | ||
| Truist Financial Corporation | COM | 89832Q109 | 1,637,667 | 42,013 | SH | DFND | 1 | 42,013 | 0 | 0 | ||
| Union Pacific Corp | COM | 907818108 | 1,240,471 | 5,044 | SH | DFND | 1 | 5,044 | 0 | 0 | ||
| Unitedhealth Group, Inc. | COM | 91324P102 | 307,209 | 621 | SH | DFND | 1 | 621 | 0 | 0 | ||
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 689,353 | 3,775 | SH | DFND | 1 | 3,775 | 0 | 0 | ||
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 35,181,780 | 405,928 | SH | DFND | 1 | 405,928 | 0 | 0 | ||
| Vanguard Tax-Exempt Bond Index ETF | TAX EXEMPT BD | 922907746 | 230,028 | 4,546 | SH | DFND | 1 | 4,546 | 0 | 0 | ||
| Vanguard Total International Bond Index Fund ETF | TOTAL INT BD ETF | 92203J407 | 1,015,380 | 20,642 | SH | DFND | 1 | 20,642 | 0 | 0 | ||
| Vanguard Total World Stock Index Fund ETF | TT WRLD ST ETF | 922042742 | 221,000 | 2,000 | SH | DFND | 1 | 2,000 | 0 | 0 | ||
| Verizon Communications | COM | 92343V104 | 553,914 | 13,201 | SH | DFND | 1 | 13,201 | 0 | 0 | ||
| W W Grainger Inc | COM | 384802104 | 1,522,898 | 1,497 | SH | DFND | 1 | 1,497 | 0 | 0 | ||
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,637,080 | 12,404 | SH | DFND | 1 | 12,404 | 0 | 0 | ||