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 COM 002824100 16,839 276,095 SH   SOLE   276,095 0 0
AbbVie COM 00287y109 30,695 331,298 SH   SOLE   331,298 0 0
ADP COM 053015103 2,065 15,395 SH   SOLE   15,395 0 0
Aetna COM 00817y108 722 3,933 SH   SOLE   3,933 0 0
Aflac COM 001055102 678 15,758 SH   SOLE   15,758 0 0
AIG COM NEW 026874784 883 16,657 SH   SOLE   16,657 0 0
Air Products & Chemicals COM 009158106 921 5,911 SH   SOLE   5,911 0 0
AK Steel Holding COM 001547108 43 10,000 SH   SOLE   10,000 0 0
Allergan SHS g0177j108 540 3,239 SH   SOLE   3,239 0 0
Alphabet - A CAP STK CL A 02079k305 890 788 SH   SOLE   788 0 0
Alphabet - C CAP STK CL C 02079k107 5,316 4,765 SH   SOLE   4,765 0 0
Altria Group COM 02209s103 2,603 45,843 SH   SOLE   45,843 0 0
Amazon COM 023135106 2,692 1,584 SH   SOLE   1,584 0 0
American Elec Power COM 025537101 2,077 29,994 SH   SOLE   29,994 0 0
American Express COM 025816109 1,020 10,409 SH   SOLE   10,409 0 0
Amgen COM 031162100 22,784 123,430 SH   SOLE   123,430 0 0
Anadarko Petroleum COM 032511107 675 9,214 SH   SOLE   9,214 0 0
Analog Devices COM 032654105 285 2,976 SH   SOLE   2,976 0 0
Anthem COM 036752103 413 1,733 SH   SOLE   1,733 0 0
Apple Inc. COM 037833100 5,208 28,136 SH   SOLE   28,136 0 0
AT&T COM 00206r102 13,249 412,620 SH   SOLE   412,620 0 0
Autodesk COM 052769106 784 5,982 SH   SOLE   5,982 0 0
Baker Hughes CL A 05722g100 8,005 242,358 SH   SOLE   242,358 0 0
Bank of America COM 060505104 3,356 119,055 SH   SOLE   119,055 0 0
Bank of Montreal COM 063671101 10,167 131,598 SH   SOLE   131,598 0 0
Bank of NY Mellon COM 064058100 454 8,412 SH   SOLE   8,412 0 0
Becton Dickinson COM 075887109 826 3,447 SH   SOLE   3,447 0 0
Berkshire Hathaway - A CL A 084670108 564 2 SH   SOLE   2 0 0
Berkshire Hathaway - B CL B NEW 084670702 7,199 38,567 SH   SOLE   38,567 0 0
Biogen Idec COM 09062x103 620 2,135 SH   SOLE   2,135 0 0
Blackrock COM 09247x101 457 915 SH   SOLE   915 0 0
Boeing COM 097023105 753 2,243 SH   SOLE   2,243 0 0
BP ADR SPONSORED ADR 055622104 23,330 510,957 SH   SOLE   510,957 0 0
Brighthouse Financial COM 10922n103 349 8,714 SH   SOLE   8,714 0 0
Bristol Myers COM 110122108 267 4,833 SH   SOLE   4,833 0 0
Broadcom COM 11135F101 377 1,553 SH   SOLE   1,553 0 0
Campbell Soup COM 134429109 336 8,286 SH   SOLE   8,286 0 0
Carrizo Oil & Gas COM 144577103 252 9,047 SH   SOLE   9,047 0 0
Caterpillar COM 149123101 285 2,097 SH   SOLE   2,097 0 0
CDK Global COM 12508e101 268 4,114 SH   SOLE   4,114 0 0
Celanese - A COM SER A 150870103 1,626 14,640 SH   SOLE   14,640 0 0
Chevron Texaco COM 166764100 3,737 29,560 SH   SOLE   29,560 0 0
Chubb Ltd COM h1467j104 13,319 104,857 SH   SOLE   104,857 0 0
Cisco COM 17275r102 36,505 848,369 SH   SOLE   848,369 0 0
Citigroup COM NEW 172967424 12,003 179,356 SH   SOLE   179,356 0 0
Citrix Systems COM 177376100 219 2,090 SH   SOLE   2,090 0 0
Clorox Company COM 189054109 359 2,652 SH   SOLE   2,652 0 0
CME Group COM 12572q105 358 2,184 SH   SOLE   2,184 0 0
Coca Cola COM 191216100 19,939 454,596 SH   SOLE   454,596 0 0
Colgate Palmolive COM 194162103 209 3,220 SH   SOLE   3,220 0 0
Comcast - A CL A 20030n101 4,078 124,301 SH   SOLE   124,301 0 0
Community Bank COM 203607106 10,462 177,115 SH   SOLE   177,115 0 0
ConocoPhillips COM 20825c104 1,893 27,190 SH   SOLE   27,190 0 0
Cree COM 225447101 205 4,935 SH   SOLE   4,935 0 0
CVS Health COM 126650100 349 5,416 SH   SOLE   5,416 0 0
Denbury Resources COM NEW 247916208 57 11,872 SH   SOLE   11,872 0 0
Disney COM DISNEY 254687106 6,321 60,309 SH   SOLE   60,309 0 0
Dolby Laboratories COM 25659t107 215 3,478 SH   SOLE   3,478 0 0
DowDuPont COM 26078j100 864 13,111 SH   SOLE   13,111 0 0
Duke Energy COM NEW 26441c204 272 3,443 SH   SOLE   3,443 0 0
Emerson Electric COM 291011104 18,585 268,801 SH   SOLE   268,801 0 0
Energy Select Sector Spider ET SBI INT-ENERGY 81369y506 640 8,434 SH   SOLE   8,434 0 0
Energy Transfer COM UT LTD PTN 29273v100 215 12,436 SH   SOLE   12,436 0 0
Enterprise Products Partners COM 293792107 242 8,763 SH   SOLE   8,763 0 0
EOG Resources Inc. COM 26875p101 260 2,088 SH   SOLE   2,088 0 0
Eversource Energy COM 30040w108 224 3,815 SH   SOLE   3,815 0 0
Exxon Mobil COM 30231g102 28,007 338,531 SH   SOLE   338,531 0 0
Facebook CL A 30303m102 534 2,747 SH   SOLE   2,747 0 0
FedEx Corp COM 31428x106 704 3,102 SH   SOLE   3,102 0 0
Fifth Third Bancorp COM 316773100 621 21,624 SH   SOLE   21,624 0 0
Financial Sector Index Fund SBI INT-FINL 81369y605 307 11,557 SH   SOLE   11,557 0 0
Freeport-McMoran CL B 35671d857 357 20,699 SH   SOLE   20,699 0 0
FVCBankcorp COM 36120q101 180 10,516 SH   SOLE   10,516 0 0
General Dynamics COM 369550108 1,264 6,781 SH   SOLE   6,781 0 0
General Electric COM 369604103 14,326 1,052,636 SH   SOLE   1,052,636 0 0
General Mills COM 370334104 18,186 410,901 SH   SOLE   410,901 0 0
Halliburton COM 406216101 255 5,650 SH   SOLE   5,650 0 0
Harris Corp Del Com COM 413875105 279 1,932 SH   SOLE   1,932 0 0
Home Depot COM 437076102 2,748 14,086 SH   SOLE   14,086 0 0
Honeywell COM 438516106 20,686 143,602 SH   SOLE   143,602 0 0
Huntington Bancshares COM 446150104 1,304 88,338 SH   SOLE   88,338 0 0
IBM COM 459200101 2,823 20,209 SH   SOLE   20,209 0 0
Illinois Tool Works COM 452308109 1,715 12,382 SH   SOLE   12,382 0 0
Intel COM 458140100 23,088 464,458 SH   SOLE   464,458 0 0
Intl Aggregate Bond CORE INTL AGGR 46435g672 1,720 32,640 SH   SOLE   32,640 0 0
iShares Core Dividend Growth F CORE DIV GRWTH 46434v621 299 8,708 SH   SOLE   8,708 0 0
iShares Dividend Index Fund SELECT DIVID ETF 464287168 1,246 12,743 SH   SOLE   12,743 0 0
iShares iBoxx IBOXX INV CP ETF 464287242 394 3,439 SH   SOLE   3,439 0 0
iShares MSCE EAFE Index Fund MSCI EAFE ETF 464287465 1,006 15,020 SH   SOLE   15,020 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 3,416 23,758 SH   SOLE   23,758 0 0
iShares Russell 1000 Value RUS 1000 VAL ETF 464287598 3,911 32,218 SH   SOLE   32,218 0 0
iShares Russell 2000 Growth RUS 2000 GRW ETF 464287648 462 2,259 SH   SOLE   2,259 0 0
iShares Russell 2000 Value Ind S&P 500 GRWT ETF 464287630 413 3,132 SH   SOLE   3,132 0 0
IShares S&P National AMT-Free NATIONAL MUN ETF 464288414 409 3,750 SH   SOLE   3,750 0 0
iShares TR Russell 2000 RUSSELL 2000 ETF 464287655 1,028 6,275 SH   SOLE   6,275 0 0
iShares TR Russell MCP GR RUS MD CP GR ETF 464287481 223 1,761 SH   SOLE   1,761 0 0
iShares TR Russell MCP VL RUS MDCP VAL ETF 464287473 353 3,988 SH   SOLE   3,988 0 0
Johnson & Johnson COM 478160104 27,123 223,532 SH   SOLE   223,532 0 0
Johnson Controls COM g51502105 231 6,902 SH   SOLE   6,902 0 0
JPMorgan COM 46625h100 42,979 412,467 SH   SOLE   412,467 0 0
Kellogg COM 487836108 1,837 26,290 SH   SOLE   26,290 0 0
Kimberly-Clark COM 494368103 9,658 91,684 SH   SOLE   91,684 0 0
KLA-Tencor COM 482480100 302 2,950 SH   SOLE   2,950 0 0
Kraft Heinz COM 500754106 16,576 263,869 SH   SOLE   263,869 0 0
L-3 Technologies COM 502413107 447 2,324 SH   SOLE   2,324 0 0
Leggett & Platt COM 524660107 22,682 508,103 SH   SOLE   508,103 0 0
Lilly COM 532457108 1,367 16,016 SH   SOLE   16,016 0 0
Lockheed Martin COM 539830109 15,728 53,238 SH   SOLE   53,238 0 0
Lowe's Companies COM 548661107 645 6,753 SH   SOLE   6,753 0 0
M & T Bank COM 55261F104 24,730 145,343 SH   SOLE   145,343 0 0
Marathon Oil COM 565849106 536 25,672 SH   SOLE   25,672 0 0
Master Card Cl A CL A 57636q104 999 5,081 SH   SOLE   5,081 0 0
McDonald's COM 580135101 19,330 123,362 SH   SOLE   123,362 0 0
Medtronic SHS g5960l103 7,107 83,021 SH   SOLE   83,021 0 0
Merck COM 58933Y105 14,855 244,736 SH   SOLE   244,736 0 0
Microsoft COM 594918104 41,721 423,093 SH   SOLE   423,093 0 0
MMM COM 88579Y101 2,299 11,685 SH   SOLE   11,685 0 0
Mondelez CL A 609207105 8,911 217,349 SH   SOLE   217,349 0 0
Moody's COM 615369105 324 1,900 SH   SOLE   1,900 0 0
Morgan Stanley COM 617446448 245 5,174 SH   SOLE   5,174 0 0
NBT Bancorp COM 628778102 202 5,282 SH   SOLE   5,282 0 0
NextEra Energy COM 65339f101 1,684 10,080 SH   SOLE   10,080 0 0
Nike Inc Cl B CL B 654106103 243 3,053 SH   SOLE   3,053 0 0
Norfolk Southern COM 655844108 17,783 117,867 SH   SOLE   117,867 0 0
Novartis AG ADR SPONSORED ADR 66987V109 232 3,071 SH   SOLE   3,071 0 0
Nucor COM 670346105 17,332 277,313 SH   SOLE   277,313 0 0
Nvidia COM 67066g104 308 1,300 SH   SOLE   1,300 0 0
Oneok, Inc. COM 682680103 371 5,313 SH   SOLE   5,313 0 0
Oracle COM 68389X105 1,225 27,805 SH   SOLE   27,805 0 0
Paychex COM 704326107 373 5,459 SH   SOLE   5,459 0 0
PayPal Holdings COM 70450y103 257 3,089 SH   SOLE   3,089 0 0
Penns Woods Bancorp COM 708430103 1,011 22,579 SH   SOLE   22,579 0 0
Peoples Financial Services COM 711040105 837 17,791 SH   SOLE   17,791 0 0
Pepsico COM 713448108 1,769 16,250 SH   SOLE   16,250 0 0
Pfizer COM 717081103 22,812 628,768 SH   SOLE   628,768 0 0
Philip Morris COM 718172109 2,239 27,731 SH   SOLE   27,731 0 0
Phillips 66 COM 718546104 611 5,438 SH   SOLE   5,438 0 0
Pinnacle Financial Partners COM 72346q104 357 5,821 SH   SOLE   5,821 0 0
Pioneer Natural Resources COM 723787107 498 2,630 SH   SOLE   2,630 0 0
PNC COM 693475105 22,890 169,431 SH   SOLE   169,431 0 0
Powershares QQQ Trust UNIT SER 1 73935a104 260 1,515 SH   SOLE   1,515 0 0
PPL COM 69351T106 11,593 406,043 SH   SOLE   406,043 0 0
Principal Financial COM 74251v102 363 6,858 SH   SOLE   6,858 0 0
Procter & Gamble COM 742718109 17,490 224,064 SH   SOLE   224,064 0 0
Progressive COM 743315103 2,681 45,321 SH   SOLE   45,321 0 0
Provident Financial COM 74386t105 571 20,738 SH   SOLE   20,738 0 0
Prudential Financial COM 744320102 470 5,023 SH   SOLE   5,023 0 0
PulteGroup COM 745867101 7,241 251,874 SH   SOLE   251,874 0 0
Qualcomm COM 747525103 13,158 234,460 SH   SOLE   234,460 0 0
Raytheon COM NEW 755111507 2,623 13,580 SH   SOLE   13,580 0 0
Reliance Steel & Alum COM 759509102 268 3,060 SH   SOLE   3,060 0 0
Royal Dutch Shell ADR B SPONSORED ADR B 780259107 1,950 26,842 SH   SOLE   26,842 0 0
S&P 500 Equal Weight S&P500 EQL WGT 46137v357 595 5,838 SH   SOLE   5,838 0 0
S&P 500 Spiders TR UNIT 78462f103 5,244 19,329 SH   SOLE   19,329 0 0
Schlumberger COM 806857108 18,287 272,818 SH   SOLE   272,818 0 0
Schwab EM Equity EMRG MKTEQ ETF 808524706 2,241 86,540 SH   SOLE   86,540 0 0
Schwab Intl Equity INTL EQTY ETF 808524805 9,854 298,156 SH   SOLE   298,156 0 0
Schwab Short-Term US Treasury SHT TM US TRES 808524862 330 6,643 SH   SOLE   6,643 0 0
Schwab US Broad Market ETF US LCAP BRD MKT ETF 808524102 414 6,268 SH   SOLE   6,268 0 0
Schwab US Large-Cap Value ETF US LCAP VA ETF 808524409 759 14,297 SH   SOLE   14,297 0 0
Schwab US Mid Cap US MID-CAP ETF 808524508 5,778 105,264 SH   SOLE   105,264 0 0
Schwab US REIT US REIT ETF 808524847 1,477 35,353 SH   SOLE   35,353 0 0
Schwab US Small Cap US SML CAP ETF 808524607 5,002 67,984 SH   SOLE   67,984 0 0
Seagate Technology SHS g7945m107 483 8,555 SH   SOLE   8,555 0 0
Sony Corp ADR ADR NEW 835699307 563 10,990 SH   SOLE   10,990 0 0
Spdr Port Shrt Trm Trsry PORTFOLIO SH TSR 78468r101 395 13,355 SH   SOLE   13,355 0 0
Synovus Financial COM NEW 87161c501 1,009 19,091 SH   SOLE   19,091 0 0
Sysco COM 871829107 2,816 41,241 SH   SOLE   41,241 0 0
Tabula Rasa HealthCare COM 873379101 369 5,787 SH   SOLE   5,787 0 0
Taiwan Semiconductor SPON ADR 874039100 1,028 28,113 SH   SOLE   28,113 0 0
Tapestry,Inc. COM 876030107 264 5,649 SH   SOLE   5,649 0 0
Target COM 87612e106 352 4,627 SH   SOLE   4,627 0 0
TE Connectivity REG SHS H84989104 9,132 101,398 SH   SOLE   101,398 0 0
Tetra Technologies COM 88162f105 445 100,000 SH   SOLE   100,000 0 0
Texas Instruments COM 882508104 1,920 17,414 SH   SOLE   17,414 0 0
The Blackstone Group COM UNIT LTD 09253u108 1,037 32,222 SH   SOLE   32,222 0 0
Total SA-Spon ADR SPON ADR 89151e109 1,108 18,288 SH   SOLE   18,288 0 0
Twitter COM 90184l102 541 12,389 SH   SOLE   12,389 0 0
Ultra S&P 500 ProShares PSHS ULTSH 20YRS 74347r107 220 1,974 SH   SOLE   1,974 0 0
Unilever N.V. ADR N Y SHS NEW 904784709 900 16,157 SH   SOLE   16,157 0 0
Unilever PLC ADR SPON ADR NEW 904767704 3,129 56,606 SH   SOLE   56,606 0 0
Union Pacific COM 907818108 240 1,696 SH   SOLE   1,696 0 0
United Parcel Service CL B 911312106 1,102 10,375 SH   SOLE   10,375 0 0
United Technologies COM 913017109 751 6,009 SH   SOLE   6,009 0 0
Unitedhealth Group COM 91324p102 2,896 11,806 SH   SOLE   11,806 0 0
US Bancorp COM NEW 902973304 3,459 69,162 SH   SOLE   69,162 0 0
Valero Energy COM 91913y100 435 3,925 SH   SOLE   3,925 0 0
Vanguard Dividend DIV APP ETF 921908844 1,528 15,041 SH   SOLE   15,041 0 0
Vanguard Emerging FTSE EMR MKT ETF 922042858 1,185 28,088 SH   SOLE   28,088 0 0
Vanguard FTSE Developed FTSE DEV MKT ETF 921943858 1,917 44,690 SH   SOLE   44,690 0 0
Vanguard FTSE Europe FTSE EUROPE ETF 922042874 4,145 73,851 SH   SOLE   73,851 0 0
Vanguard FTSE World ex-US ALLWRLD EX US 922042775 529 10,201 SH   SOLE   10,201 0 0
Vanguard High Dvd Yield HIGH DIV YLD 921946406 252 3,029 SH   SOLE   3,029 0 0
Vanguard Mid Cap MID CAP ETF 922908629 9,653 61,235 SH   SOLE   61,235 0 0
Vanguard Russell 1000 Value VNG RUS1000VAL 92206c714 385 3,653 SH   SOLE   3,653 0 0
Vanguard Short-Term Corp SHRT TRM CORP BD 92206c409 240 3,070 SH   SOLE   3,070 0 0
Vanguard Small Cap SM CAP ETF 922908751 10,086 64,788 SH   SOLE   64,788 0 0
Vanguard SP 500 S&P 500 ETF SHS 922908363 207 830 SH   SOLE   830 0 0
Vanguard Value VALUE ETF 922908744 260 2,500 SH   SOLE   2,500 0 0
Verizon COM 92343v104 1,260 25,052 SH   SOLE   25,052 0 0
Vertex Pharmaceuticals COM 92532f100 317 1,863 SH   SOLE   1,863 0 0
VF Corp COM 918204108 232 2,848 SH   SOLE   2,848 0 0
Viacom Cl A CL A 92553p102 206 5,800 SH   SOLE   5,800 0 0
Viacom Cl B CL B 92553p201 6,500 215,522 SH   SOLE   215,522 0 0
Visa COM CL A 92826c839 726 5,480 SH   SOLE   5,480 0 0
Walgreens COM 931427108 522 8,691 SH   SOLE   8,691 0 0
Walmart COM 931142103 15,460 180,500 SH   SOLE   180,500 0 0
Waste Management COM PAR $0.01 94106L109 27,597 339,276 SH   SOLE   339,276 0 0
Weatherford PLC ORD SHS g48833100 183 55,612 SH   SOLE   55,612 0 0
Wells Fargo COM 949746101 27,207 490,739 SH   SOLE   490,739 0 0
WP Carey COM 92936u109 22,417 337,862 SH   SOLE   337,862 0 0
Zoetis CL A 98978v103 2,806 32,936 SH   SOLE   32,936 0 0