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 | (x$1000) | PRN AMT | PRN | CALL | DISCRETION | MANAGER | SOLE | SHARED | NONE |
| 3M Company | COM | 88579Y101 | 556 | 3,154 | SH | DFND | 1 | 3,154 | 0 | 0 | |
| Abbott Labs | COM | 002824100 | 439 | 10,383 | SH | DFND | 1 | 10,383 | 0 | 0 | |
| Accenture PLC | SHS CLASS A | G1151C101 | 784 | 6,420 | SH | DFND | 1 | 6,420 | 0 | 0 | |
| Activision Blizzard Inc Common | COM | 00507V109 | 1,336 | 30,167 | SH | DFND | 1 | 30,167 | 0 | 0 | |
| Allergan PLC | SHS | G0177J108 | 1,793 | 7,785 | SH | DFND | 1 | 7,785 | 0 | 0 | |
| Alliance Data Systems Corp | COM | 018581108 | 1,104 | 5,147 | SH | DFND | 1 | 5,147 | 0 | 0 | |
| Allstate Corp | COM | 020002101 | 1,071 | 15,482 | SH | DFND | 1 | 15,482 | 0 | 0 | |
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 3,574 | 4,598 | SH | DFND | 1 | 4,598 | 0 | 0 | |
| Altria Group Inc | COM | 02209S103 | 490 | 7,749 | SH | DFND | 1 | 7,749 | 0 | 0 | |
| American Tower REIT Inc | COM | 03027X100 | 1,444 | 12,743 | SH | DFND | 1 | 12,743 | 0 | 0 | |
| Apple Computer Inc | COM | 037833100 | 3,090 | 27,336 | SH | DFND | 1 | 27,336 | 0 | 0 | |
| AT&T Inc | COM | 00206R102 | 709 | 17,466 | SH | DFND | 1 | 17,466 | 0 | 0 | |
| Automatic Data Processing | COM | 053015103 | 609 | 6,901 | SH | DFND | 1 | 6,901 | 0 | 0 | |
| Bard C R Inc | COM | 067383109 | 1,920 | 8,559 | SH | DFND | 1 | 8,559 | 0 | 0 | |
| Baxter Intl Inc | COM | 071813109 | 1,256 | 26,386 | SH | DFND | 1 | 26,386 | 0 | 0 | |
| Biogen Idec Inc | COM | 09062X103 | 1,710 | 5,463 | SH | DFND | 1 | 5,463 | 0 | 0 | |
| Blackrock, Inc. | COM | 09247X101 | 473 | 1,304 | SH | DFND | 1 | 1,304 | 0 | 0 | |
| Cardinal Health Inc | COM | 14149Y108 | 413 | 5,320 | SH | DFND | 1 | 5,320 | 0 | 0 | |
| Celgene Corporation | COM | 151020104 | 1,080 | 10,329 | SH | DFND | 1 | 10,329 | 0 | 0 | |
| Charles Schwab Corp | COM | 808513105 | 1,383 | 43,792 | SH | DFND | 1 | 43,792 | 0 | 0 | |
| Chevron Corp | COM | 166764100 | 1,627 | 15,808 | SH | DFND | 1 | 15,808 | 0 | 0 | |
| Cisco Systems Inc | COM | 17275R102 | 857 | 27,007 | SH | DFND | 1 | 27,007 | 0 | 0 | |
| Citigroup Inc Common New | COM NEW | 172967424 | 1,482 | 31,369 | SH | DFND | 1 | 31,369 | 0 | 0 | |
| Citizens & Northern Corp | COM | 172922106 | 5,554 | 252,790 | SH | DFND | 1 | 252,790 | 0 | 0 | |
| CME Group Inc | COM | 12572Q105 | 588 | 5,624 | SH | DFND | 1 | 5,624 | 0 | 0 | |
| Coca Cola Co | COM | 191216100 | 1,256 | 29,690 | SH | DFND | 1 | 29,690 | 0 | 0 | |
| Colgate Palmolive Co | COM | 194162103 | 363 | 4,891 | SH | DFND | 1 | 4,891 | 0 | 0 | |
| Community Bank System, Inc | COM | 203607106 | 251 | 5,216 | SH | DFND | 1 | 5,216 | 0 | 0 | |
| Corning Inc | COM | 219350105 | 872 | 36,853 | SH | DFND | 1 | 36,853 | 0 | 0 | |
| Costco Wholesale Corp (New) | COM | 22160K105 | 824 | 5,403 | SH | DFND | 1 | 5,403 | 0 | 0 | |
| CVS Health Corporation | COM | 126650100 | 2,133 | 23,971 | SH | DFND | 1 | 23,971 | 0 | 0 | |
| Danaher Corp | COM | 235851102 | 1,523 | 19,432 | SH | DFND | 1 | 19,432 | 0 | 0 | |
| Darden Restaurants Inc | COM | 237194105 | 327 | 5,331 | SH | DFND | 1 | 5,331 | 0 | 0 | |
| Dicks Sporting Goods Inc | COM | 253393102 | 1,646 | 29,015 | SH | DFND | 1 | 29,015 | 0 | 0 | |
| Disney Walt Co | COM DISNEY | 254687106 | 1,847 | 19,889 | SH | DFND | 1 | 19,889 | 0 | 0 | |
| Duke Energy Corporation New | COM NEW | 26441C204 | 625 | 7,813 | SH | DFND | 1 | 7,813 | 0 | 0 | |
| Eaton Corp | SHS | G29183103 | 634 | 9,647 | SH | DFND | 1 | 9,647 | 0 | 0 | |
| Ecolab Inc. | COM | 278865100 | 414 | 3,405 | SH | DFND | 1 | 3,405 | 0 | 0 | |
| EOG Resources, Inc. | COM | 26875P101 | 1,274 | 13,173 | SH | DFND | 1 | 13,173 | 0 | 0 | |
| Expeditors Intl Wash Inc | COM | 302130109 | 364 | 7,069 | SH | DFND | 1 | 7,069 | 0 | 0 | |
| Express Scripts Holding Co. | COM | 30219G108 | 1,499 | 21,260 | SH | DFND | 1 | 21,260 | 0 | 0 | |
| Exxon Mobil Corp | COM | 30231G102 | 3,178 | 36,413 | SH | DFND | 1 | 36,413 | 0 | 0 | |
| FNB Corporation | COM | 302520101 | 503 | 40,879 | SH | DFND | 1 | 40,879 | 0 | 0 | |
| Fortive Corp Common | COM | 34959J108 | 464 | 9,110 | SH | DFND | 1 | 9,110 | 0 | 0 | |
| General Dynamics Corp | COM | 369550108 | 558 | 3,597 | SH | DFND | 1 | 3,597 | 0 | 0 | |
| General Elec Co | COM | 369604103 | 2,873 | 97,011 | SH | DFND | 1 | 97,011 | 0 | 0 | |
| Gilead Sciences Inc | COM | 375558103 | 1,208 | 15,262 | SH | DFND | 1 | 15,262 | 0 | 0 | |
| Home Depot Inc | COM | 437076102 | 2,744 | 21,327 | SH | DFND | 1 | 21,327 | 0 | 0 | |
| Intel Corp | COM | 458140100 | 787 | 20,850 | SH | DFND | 1 | 20,850 | 0 | 0 | |
| Intercontinental Exchange Inc Common | COM | 45866F104 | 1,946 | 7,225 | SH | DFND | 1 | 7,225 | 0 | 0 | |
| International Business Machines | COM | 459200101 | 614 | 3,866 | SH | DFND | 1 | 3,866 | 0 | 0 | |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 1,148 | 5,277 | SH | DFND | 1 | 5,277 | 0 | 0 | |
| iShares MSCI ACWI Ex US ETF | MSCI ACWI EX US | 464288240 | 480 | 11,570 | SH | DFND | 1 | 11,570 | 0 | 0 | |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 9,549 | 61,725 | SH | DFND | 1 | 61,725 | 0 | 0 | |
| Johnson & Johnson | COM | 478160104 | 1,274 | 10,783 | SH | DFND | 1 | 10,783 | 0 | 0 | |
| JPMorgan Chase & Co | COM | 46625H100 | 3,415 | 51,289 | SH | DFND | 1 | 51,289 | 0 | 0 | |
| Kohls Corp | COM | 500255104 | 1,330 | 30,406 | SH | DFND | 1 | 30,406 | 0 | 0 | |
| Masco Corp | COM | 574599106 | 1,016 | 29,599 | SH | DFND | 1 | 29,599 | 0 | 0 | |
| McDonalds Corp | COM | 580135101 | 1,516 | 13,144 | SH | DFND | 1 | 13,144 | 0 | 0 | |
| Merck & Co Inc New | COM | 58933Y105 | 376 | 6,026 | SH | DFND | 1 | 6,026 | 0 | 0 | |
| Microchip Technology Inc | COM | 595017104 | 681 | 10,953 | SH | DFND | 1 | 10,953 | 0 | 0 | |
| Microsoft Corp | COM | 594918104 | 1,336 | 23,196 | SH | DFND | 1 | 23,196 | 0 | 0 | |
| Mondelez Intl Inc Class A | CL A | 609207105 | 1,755 | 39,987 | SH | DFND | 1 | 39,987 | 0 | 0 | |
| Nike, Inc. Class B | CL B | 654106103 | 1,624 | 30,839 | SH | DFND | 1 | 30,839 | 0 | 0 | |
| Norfolk Southern Corp | COM | 655844108 | 893 | 9,200 | SH | DFND | 1 | 9,200 | 0 | 0 | |
| Nucor Corp | COM | 670346105 | 1,195 | 24,161 | SH | DFND | 1 | 24,161 | 0 | 0 | |
| NXP Semiconductors N.V. | COM | N6596X109 | 1,080 | 10,585 | SH | DFND | 1 | 10,585 | 0 | 0 | |
| Oracle Corp | COM | 68389X105 | 1,666 | 42,411 | SH | DFND | 1 | 42,411 | 0 | 0 | |
| Pepsico Inc | COM | 713448108 | 910 | 8,368 | SH | DFND | 1 | 8,368 | 0 | 0 | |
| Pfizer Inc | COM | 717081103 | 1,992 | 58,821 | SH | DFND | 1 | 58,821 | 0 | 0 | |
| Phillip Morris International Inc | COM | 718172109 | 458 | 4,716 | SH | DFND | 1 | 4,716 | 0 | 0 | |
| Procter & Gamble Co | COM | 742718109 | 3,245 | 36,161 | SH | DFND | 1 | 36,161 | 0 | 0 | |
| Qualcomm Inc | COM | 747525103 | 1,699 | 24,801 | SH | DFND | 1 | 24,801 | 0 | 0 | |
| Rackspace Hosting Inc Common | RACKSPACE HOSTING INC COM | 750086100 | 851 | 26,860 | SH | DFND | 1 | 26,860 | 0 | 0 | |
| Red Hat, Inc | COM | 756577102 | 944 | 11,679 | SH | DFND | 1 | 11,679 | 0 | 0 | |
| Salesforce.Com | COM | 79466L302 | 1,416 | 19,852 | SH | DFND | 1 | 19,852 | 0 | 0 | |
| Schlumberger Ltd | COM | 806857108 | 1,690 | 21,485 | SH | DFND | 1 | 21,485 | 0 | 0 | |
| SEI Investment Company | COM | 784117103 | 208 | 4,554 | SH | DFND | 1 | 4,554 | 0 | 0 | |
| Shire PLC Sponsored ADR | SPONSORED ADR | 82481R106 | 1,331 | 6,868 | SH | DFND | 1 | 6,868 | 0 | 0 | |
| Starbucks Corp | COM | 855244109 | 1,555 | 28,714 | SH | DFND | 1 | 28,714 | 0 | 0 | |
| Stryker Corp | COM | 863667101 | 390 | 3,353 | SH | DFND | 1 | 3,353 | 0 | 0 | |
| SYSCO Corp | COM | 871829107 | 418 | 8,532 | SH | DFND | 1 | 8,532 | 0 | 0 | |
| T. Rowe Price Group, Inc. | COM | 74144T108 | 246 | 3,693 | SH | DFND | 1 | 3,693 | 0 | 0 | |
| Target Corp | COM | 87612E106 | 399 | 5,804 | SH | DFND | 1 | 5,804 | 0 | 0 | |
| Tjx Companies (New) | COM | 872540109 | 480 | 6,424 | SH | DFND | 1 | 6,424 | 0 | 0 | |
| Trevena Inc. | COM | 89532E109 | 196 | 29,000 | SH | DFND | 1 | 29,000 | 0 | 0 | |
| Twenty-First Century Fox Inc Class A | CL A | 90130A101 | 1,427 | 58,936 | SH | DFND | 1 | 58,936 | 0 | 0 | |
| Twitter Inc Common | COM | 90184L102 | 619 | 26,860 | SH | DFND | 1 | 26,860 | 0 | 0 | |
| Union Pacific Corp | COM | 907818108 | 637 | 6,532 | SH | DFND | 1 | 6,532 | 0 | 0 | |
| United Parcel Service Inc. Class B | CL B | 911312106 | 459 | 4,193 | SH | DFND | 1 | 4,193 | 0 | 0 | |
| Unitedhealth Group, Inc. | COM | 91324P102 | 374 | 2,670 | SH | DFND | 1 | 2,670 | 0 | 0 | |
| Utilities Select Sector SPDR | SBI INT-UTILS | 81369Y886 | 330 | 6,730 | SH | DFND | 1 | 6,730 | 0 | 0 | |
| Vanguard FTSE All-World Ex-US Small Cap Index | FTSE SMCAP ETF | 922042718 | 1,156 | 11,612 | SH | DFND | 1 | 11,612 | 0 | 0 | |
| Vanguard FTSE Emerging Markets ETF | FTSE EMR MKT ETF | 922042858 | 858 | 22,788 | SH | DFND | 1 | 22,788 | 0 | 0 | |
| Verizon Communications | COM | 92343V104 | 568 | 10,931 | SH | DFND | 1 | 10,931 | 0 | 0 | |
| W W Grainger Inc | COM | 384802104 | 249 | 1,108 | SH | DFND | 1 | 1,108 | 0 | 0 | |
| Wal-Mart Stores Inc | COM | 931142103 | 237 | 3,283 | SH | DFND | 1 | 3,283 | 0 | 0 | |
| Walgreens Boots Alliance Inc | COM | 931427108 | 507 | 6,283 | SH | DFND | 1 | 6,283 | 0 | 0 | |
| Wells Fargo & Co New | COM | 949746101 | 3,182 | 71,858 | SH | DFND | 1 | 71,858 | 0 | 0 | |
| YUM Brands Inc | COM | 988498101 | 292 | 3,218 | SH | DFND | 1 | 3,218 | 0 | 0 | |
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,853 | 14,252 | SH | DFND | 1 | 14,252 | 0 | 0 | |