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
3M Company COM 88579Y101 452 3,190 SH   DFND 1 3,190 0 0
Abbott Labs COM 002824100 697 17,333 SH   DFND 1 17,333 0 0
Accenture PLC SHS CLASS A G1151C101 759 7,727 SH   DFND 1 7,727 0 0
Activision Blizzard Inc Common COM 00507V109 1,004 32,517 SH   DFND 1 32,517 0 0
Altera Corp COM 021441100 751 15,000 SH   DFND 1 15,000 0 0
Altria Group Inc COM 02209S103 415 7,626 SH   DFND 1 7,626 0 0
American Express Co COM 025816109 942 12,706 SH   DFND 1 12,706 0 0
American Tower REIT Inc COM 03027X100 870 9,884 SH   DFND 1 9,884 0 0
American Water Works Co Inc New COM 030420103 524 9,522 SH   DFND 1 9,522 0 0
Amgen Inc COM 031162100 671 4,854 SH   DFND 1 4,854 0 0
Apple Computer Inc COM 037833100 2,480 22,487 SH   DFND 1 22,487 0 0
AT&T Inc COM 00206R102 739 22,671 SH   DFND 1 22,671 0 0
Automatic Data Processing COM 053015103 653 8,129 SH   DFND 1 8,129 0 0
Baker Hughes Inc COM 057224107 547 10,513 SH   DFND 1 10,513 0 0
Bard C R Inc COM 067383109 1,815 9,743 SH   DFND 1 9,743 0 0
Baxalta Inc Common COM 07177M103 936 29,705 SH   DFND 1 29,705 0 0
Baxter Intl Inc COM 071813109 721 21,956 SH   DFND 1 21,956 0 0
Biogen Idec Inc COM 09062X103 651 2,231 SH   DFND 1 2,231 0 0
Blackrock, Inc. COM 09247X101 690 2,321 SH   DFND 1 2,321 0 0
Cardinal Health Inc COM 14149Y108 671 8,734 SH   DFND 1 8,734 0 0
Charles Schwab Corp COM 808513105 848 29,707 SH   DFND 1 29,707 0 0
CHEMUNG FINANCIAL CORP COM 164024101 377 13,441 SH   DFND 1 13,441 0 0
Chevron Corp COM 166764100 1,351 17,132 SH   DFND 1 17,132 0 0
Cisco Systems Inc COM 17275R102 867 33,013 SH   DFND 1 33,013 0 0
Citigroup Inc Common New COM NEW 172967424 1,849 37,275 SH   DFND 1 37,275 0 0
Citizens & Northern Corp COM 172922106 5,369 275,068 SH   DFND 1 275,068 0 0
CME Group Inc COM 12572Q105 906 9,771 SH   DFND 1 9,771 0 0
Colgate Palmolive Co COM 194162103 506 7,970 SH   DFND 1 7,970 0 0
Corning Inc COM 219350105 488 28,483 SH   DFND 1 28,483 0 0
Costco Wholesale Corp (New) COM 22160K105 1,005 6,951 SH   DFND 1 6,951 0 0
CVS Health Corporation COM 126650100 1,537 15,934 SH   DFND 1 15,934 0 0
Danaher Corp COM 235851102 2,305 27,056 SH   DFND 1 27,056 0 0
Darden Restaurants Inc COM 237194105 696 10,161 SH   DFND 1 10,161 0 0
Dicks Sporting Goods Inc COM 253393102 989 19,933 SH   DFND 1 19,933 0 0
Disney Walt Co COM DISNEY 254687106 1,761 17,231 SH   DFND 1 17,231 0 0
E M C Corp Mass COM 268648102 1,198 49,589 SH   DFND 1 49,589 0 0
Eaton Corp SHS G29183103 967 18,856 SH   DFND 1 18,856 0 0
Ecolab Inc. COM 278865100 568 5,176 SH   DFND 1 5,176 0 0
EOG Resources, Inc. COM 26875P101 526 7,230 SH   DFND 1 7,230 0 0
Exelon Corp COM 30161N101 508 17,102 SH   DFND 1 17,102 0 0
Expeditors Intl Wash Inc COM 302130109 517 10,995 SH   DFND 1 10,995 0 0
Express Scripts Holding Co. COM 30219G108 1,617 19,970 SH   DFND 1 19,970 0 0
Exxon Mobil Corp COM 30231G102 2,117 28,468 SH   DFND 1 28,468 0 0
Fifth Third Bancorp COM 316773100 546 28,880 SH   DFND 1 28,880 0 0
FNB Corporation COM 302520101 1,340 103,474 SH   DFND 1 103,474 0 0
Franklin Resources Inc COM 354613101 391 10,482 SH   DFND 1 10,482 0 0
General Dynamics Corp COM 369550108 670 4,858 SH   DFND 1 4,858 0 0
General Elec Co COM 369604103 1,922 76,228 SH   DFND 1 76,228 0 0
Gilead Sciences Inc COM 375558103 811 8,258 SH   DFND 1 8,258 0 0
Google Inc Class C C 38259P706 2,521 4,144 SH   DFND 1 4,144 0 0
Halliburton Co COM 406216101 538 15,210 SH   DFND 1 15,210 0 0
Home Depot Inc COM 437076102 2,199 19,041 SH   DFND 1 19,041 0 0
Intel Corp COM 458140100 746 24,758 SH   DFND 1 24,758 0 0
Intercontinental Exchange Inc Common COM 45866F104 950 4,042 SH   DFND 1 4,042 0 0
International Business Machines COM 459200101 670 4,619 SH   DFND 1 4,619 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 3,727 19,342 SH   DFND 1 19,342 0 0
iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 555 9,686 SH   DFND 1 9,686 0 0
iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 2,368 72,247 SH   DFND 1 72,247 0 0
iShares Russell 2000 ETF RUSSELL 2000 ETF 464287655 1,274 11,667 SH   DFND 1 11,667 0 0
iShares S&P MidCap 400 Index Fd CORE S&P MCP ETF 464287507 9,199 67,339 SH   DFND 1 67,339 0 0
Johnson & Johnson COM 478160104 1,191 12,759 SH   DFND 1 12,759 0 0
JPMorgan Chase & Co COM 46625H100 2,830 46,422 SH   DFND 1 46,422 0 0
Kohls Corp COM 500255104 549 11,848 SH   DFND 1 11,848 0 0
M & T Bank Corp COM 55261F104 344 2,818 SH   DFND 1 2,818 0 0
Market Vectors Natural Resources ETF NATURAL RES ETF 57060U795 2,155 79,929 SH   DFND 1 79,929 0 0
McDonalds Corp COM 580135101 1,571 15,949 SH   DFND 1 15,949 0 0
Medtronic PLC SHS G5960L103 267 3,987 SH   DFND 1 3,987 0 0
Merck & Co Inc New COM 58933Y105 1,431 28,975 SH   DFND 1 28,975 0 0
Metlife Inc COM 59156R108 1,231 26,102 SH   DFND 1 26,102 0 0
Microchip Technology Inc COM 595017104 550 12,763 SH   DFND 1 12,763 0 0
Microsoft Corp COM 594918104 1,164 26,300 SH   DFND 1 26,300 0 0
Mondelez Intl Inc Class A CL A 609207105 1,422 33,969 SH   DFND 1 33,969 0 0
Nike, Inc. Class B B 654106103 2,252 18,313 SH   DFND 1 18,313 0 0
Norfolk Southern Corp COM 655844108 567 7,422 SH   DFND 1 7,422 0 0
NORWOOD FINANCIAL CORP COM 669549107 259 8,919 SH   SOLE   8,919 0 0
Nucor Corp COM 670346105 845 22,513 SH   DFND 1 22,513 0 0
NXP Semiconductors N.V. COM N6596X109 578 6,633 SH   DFND 1 6,633 0 0
Oracle Corp COM 68389X105 1,549 42,879 SH   DFND 1 42,879 0 0
PEOPLES FINANCIAL SERVICES COM 711040105 508 14,555 SH   SOLE   14,555 0 0
Pepsico Inc COM 713448108 943 10,001 SH   DFND 1 10,001 0 0
Pfizer Inc COM 717081103 1,578 50,243 SH   DFND 1 50,243 0 0
Phillip Morris International Inc COM 718172109 376 4,740 SH   DFND 1 4,740 0 0
Praxair Inc COM 74005P104 546 5,364 SH   DFND 1 5,364 0 0
Precision Castparts Corp Common COM 740189105 1,018 4,431 SH   DFND 1 4,431 0 0
Procter & Gamble Co COM 742718109 3,375 46,913 SH   DFND 1 46,913 0 0
Qualcomm Inc COM 747525103 1,004 18,683 SH   DFND 1 18,683 0 0
Salesforce.Com COM 79466L302 1,216 17,513 SH   DFND 1 17,513 0 0
Schlumberger Ltd COM 806857108 1,291 18,719 SH   DFND 1 18,719 0 0
SEI Investment Company COM 784117103 255 5,286 SH   DFND 1 5,286 0 0
Starbucks Corp COM 855244109 1,652 29,071 SH   DFND 1 29,071 0 0
Stryker Corp COM 863667101 576 6,116 SH   DFND 1 6,116 0 0
SunEdison Inc COM 86732Y109 72 10,000 SH   DFND 1 10,000 0 0
SYSCO Corp COM 871829107 460 11,807 SH   DFND 1 11,807 0 0
T. Rowe Price Group, Inc. COM 74144T108 526 7,572 SH   DFND 1 7,572 0 0
Target Corp COM 87612E106 832 10,583 SH   DFND 1 10,583 0 0
Teradata Corp Del COM 88076W103 386 13,341 SH   DFND 1 13,341 0 0
Tjx Companies (New) COM 872540109 765 10,710 SH   DFND 1 10,710 0 0
Trevena Inc. COM 89532E109 207 20,000 SH   DFND 1 20,000 0 0
Twenty-First Century Fox Inc Class A CL A 90130A101 928 34,409 SH   DFND 1 34,409 0 0
Twitter Inc Common COM 90184L102 365 13,535 SH   DFND 1 13,535 0 0
Unitedhealth Group, Inc. COM 91324P102 650 5,603 SH   DFND 1 5,603 0 0
UNIVEST CORP OF PA COM 915271100 192 10,000 SH   SOLE   10,000 0 0
Utilities Select Sector SPDR SBI INT-UTILS 81369Y886 610 14,085 SH   DFND 1 14,085 0 0
V F Corp COM 918204108 817 11,971 SH   DFND 1 11,971 0 0
Vanguard FTSE All-World Ex-US Small Cap Index FTSE SMCAP ETF 922042718 1,013 11,172 SH   DFND 1 11,172 0 0
Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 583 17,620 SH   DFND 1 17,620 0 0
Vanguard REIT Index ETF REIT ETF 922908553 227 3,000 SH   DFND 1 3,000 0 0
Verizon Communications COM 92343V104 1,787 41,077 SH   DFND 1 41,077 0 0
W W Grainger Inc COM 384802104 388 1,803 SH   DFND 1 1,803 0 0
Walgreens Boots Alliance Inc COM 931427108 682 8,204 SH   DFND 1 8,204 0 0
Wal-Mart Stores Inc COM 931142103 366 5,647 SH   DFND 1 5,647 0 0
Wells Fargo & Co New COM 949746101 2,911 56,686 SH   DFND 1 56,686 0 0
WVS FINANCIAL CORP COM 929358109 117 10,859 SH   DFND 1 10,859 0 0
YUM Brands Inc COM 988498101 596 7,457 SH   DFND 1 7,457 0 0
Zimmer Biomet Holdings, Inc. COM 98956P102 1,058 11,261 SH   DFND 1 11,261 0 0