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
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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 Co. COM 88579y101 1,020 7,276 SH   SOLE   7,276 0 0
AFLAC Inc. COM 001055102 384 5,750 SH   SOLE   5,750 0 0
AT&T, Inc. COM 00206r102 1,981 56,334 SH   SOLE   56,334 0 0
AbbVie Inc. COM 00287y109 2,508 47,488 SH   SOLE   47,188 0 300
Abbott Laboratories COM 002824100 4,094 106,800 SH   SOLE   106,400 0 400
Actavis PLC COM G0083B108 2,441 14,531 SH   SOLE   14,499 0 32
Affiliated Managers Group, Inc COM 008252108 6,576 30,319 SH   SOLE   30,024 0 295
Agilent Technologies COM 00846u101 4,003 69,990 SH   SOLE   69,515 0 475
Air Products & Chemicals Inc COM 009158106 475 4,245 SH   SOLE   4,245 0 0
Anadarko Petroleum Corp. COM 032511107 316 3,984 SH   SOLE   3,784 0 200
Annaly Mortgage Management, In COM 035710409 1,353 135,724 SH   SOLE   135,724 0 0
Apple Computer COM 037833100 4,279 7,627 SH   SOLE   7,587 0 40
AstraZeneca PLC Spon ADR COM 046353108 344 5,800 SH   SOLE   5,800 0 0
Automatic Data Processing COM 053015103 5,716 70,749 SH   SOLE   70,549 0 200
BCE Inc. COM 05534b760 3,293 76,065 SH   SOLE   75,815 0 250
BHP Billiton Ltd Adr COM 088606108 2,543 37,284 SH   SOLE   37,084 0 200
Bank of America Corp. COM 060505104 1,180 75,800 SH   SOLE   75,800 0 0
Becton Dickinson & Co. COM 075887109 318 2,875 SH   SOLE   2,875 0 0
Berkshire Hathaway Inc. Cl A COM 084670108 534 3 SH   SOLE   3 0 0
Berkshire Hathaway Inc. Cl B COM 084670702 608 5,127 SH   SOLE   5,127 0 0
Boeing Co. COM 097023105 2,718 19,916 SH   SOLE   19,778 0 138
Brinker International Inc. COM 109641100 4,491 96,920 SH   SOLE   96,420 0 500
Bristol-Myers Squibb COM 110122108 421 7,923 SH   SOLE   7,923 0 0
Buckeye Partners L P Unit L COM 118230101 586 8,255 SH   SOLE   8,255 0 0
CVS Caremark Corporation COM 126650100 463 6,475 SH   SOLE   6,275 0 200
CYS Investments Inc COM 12673a108 389 52,500 SH   SOLE   52,500 0 0
Cabot Corporation COM 127055101 206 4,000 SH   SOLE   4,000 0 0
Cadence Design Systems, Inc. COM 127387108 3,225 230,050 SH   SOLE   228,650 0 1,400
Capstead Mortgage Corp. COM 14067E506 261 21,600 SH   SOLE   21,600 0 0
Cerner Corporation COM 156782104 577 10,360 SH   SOLE   10,360 0 0
Check Point Software COM M22465104 709 11,000 SH   SOLE   11,000 0 0
ChevronTexaco Corporation COM 166764100 7,224 57,832 SH   SOLE   57,532 0 300
Cincinnati Financial Corp. COM 172062101 244 4,650 SH   SOLE   4,650 0 0
Cisco Systems Inc. COM 17275r102 708 31,550 SH   SOLE   31,250 0 300
Citizens & Northern Corp. COM 172922106 373 18,100 SH   SOLE   18,100 0 0
Coca-Cola Co. COM 191216100 981 23,737 SH   SOLE   23,737 0 0
Colgate-Palmolive Co. COM 194162103 250 3,830 SH   SOLE   3,830 0 0
Community Bank System Inc COM 203607106 708 17,842 SH   SOLE   17,842 0 0
ConAgra Foods Inc. COM 205887102 2,301 68,275 SH   SOLE   67,875 0 400
ConocoPhillips COM 20825C104 2,570 36,381 SH   SOLE   36,156 0 225
Costco Wholesale COM 22160k105 277 2,329 SH   SOLE   2,329 0 0
Diageo PLC Spon ADR COM 25243q205 885 6,681 SH   SOLE   6,431 0 250
Discover Financial Services COM 254709108 2,572 45,974 SH   SOLE   45,749 0 225
Disney, Walt COM 254687106 418 5,470 SH   SOLE   5,470 0 0
Du Pont, E. I. COM 263534109 844 12,995 SH   SOLE   12,995 0 0
Emerson Electric Co COM 291011104 511 7,280 SH   SOLE   7,280 0 0
Enbridge Energy Partners, L.P. COM 29250r106 1,976 66,170 SH   SOLE   66,170 0 0
Energy Transfer Partners, L.P. COM 29273R109 3,147 54,972 SH   SOLE   54,872 0 100
Energy XXI (Bermuda) Ltd. COM G10082140 4,163 153,825 SH   SOLE   152,750 0 1,075
Enterprise Products Partners L COM 293792107 375 5,650 SH   SOLE   5,650 0 0
Exelon Corporation COM 30161n101 1,662 60,675 SH   SOLE   60,425 0 250
Express Scripts Holding Compan COM 30219G108 4,368 62,192 SH   SOLE   61,742 0 450
Exxon Mobil Corp. COM 30231G102 8,202 81,051 SH   SOLE   81,051 0 0
Fifth Third Bancorp COM 316773100 3,600 171,187 SH   SOLE   169,637 0 1,550
General Electric Company COM 369604103 8,682 309,732 SH   SOLE   309,332 0 400
General Mills Inc. COM 370334104 2,560 51,300 SH   SOLE   51,225 0 75
Google, Inc. COM 38259p508 238 212 SH   SOLE   212 0 0
Halliburton Company COM 406216101 616 12,143 SH   SOLE   12,143 0 0
Health Care REIT, Inc. COM 42217k106 748 13,959 SH   SOLE   13,959 0 0
Home Depot Inc. COM 437076102 285 3,466 SH   SOLE   3,466 0 0
Honeywell International COM 438516106 237 2,591 SH   SOLE   2,591 0 0
HouseRaising, Inc. COM 44183w106 0 10,000 SH   SOLE   10,000 0 0
Huntington Bancshares, Inc. COM 446150104 426 44,150 SH   SOLE   44,150 0 0
Illinois Tool Works COM 452308109 241 2,866 SH   SOLE   2,866 0 0
Intel Corporation COM 458140100 336 12,961 SH   SOLE   12,961 0 0
International Business Machine COM 459200101 7,623 40,643 SH   SOLE   40,368 0 275
Invesco Limited COM g491bt108 1,759 48,315 SH   SOLE   48,115 0 200
J.P. Morgan Chase COM 46625h100 686 11,733 SH   SOLE   11,733 0 0
Johnson & Johnson COM 478160104 7,974 87,067 SH   SOLE   86,667 0 400
Kelly Services Cl A COM 488152208 1,327 53,200 SH   SOLE   53,200 0 0
KeyCorp COM 493267108 3,802 283,342 SH   SOLE   282,592 0 750
Kimberly-Clark Corp. COM 494368103 970 9,283 SH   SOLE   9,283 0 0
Kinder Morgan Energy Partners COM 494550106 1,485 18,405 SH   SOLE   18,405 0 0
Lear Corporation COM 521865204 553 6,825 SH   SOLE   6,825 0 0
Liberty Property Trust COM 531172104 5,113 150,964 SH   SOLE   150,214 0 750
McDonald's Corp. COM 580135101 424 4,370 SH   SOLE   4,370 0 0
McKesson Corporation COM 58155q103 3,651 22,622 SH   SOLE   22,522 0 100
Merck & Co. COM 58933Y105 845 16,880 SH   SOLE   16,880 0 0
Microsoft Corp. COM 594918104 6,338 169,431 SH   SOLE   168,506 0 925
Nestle SA Spon ADR COM 641069406 6,111 83,037 SH   SOLE   82,412 0 625
Newfield Exploration Company COM 651290108 635 25,775 SH   SOLE   25,700 0 75
Noble Energy, Inc. COM 655044105 204 2,990 SH   SOLE   2,990 0 0
Nordstrom, Inc. COM 655664100 427 6,910 SH   SOLE   6,910 0 0
Northwest Bancshares, Inc. COM 667340103 179 12,100 SH   SOLE   12,100 0 0
Omnicom Group COM 681919106 4,867 65,447 SH   SOLE   65,097 0 350
PNC Financial Services Group, COM 693475105 5,245 67,614 SH   SOLE   67,439 0 175
PPL Corporation COM 69351T106 3,931 130,632 SH   SOLE   130,032 0 600
Pardee Resources Company, Inc. COM 699437109 1,059 4,750 SH   SOLE   4,750 0 0
People's United Financial, Inc COM 712704105 551 36,431 SH   SOLE   36,431 0 0
PepsiCo Inc. COM 713448108 5,506 66,380 SH   SOLE   66,080 0 300
Pfizer, Inc. COM 717081103 722 23,565 SH   SOLE   23,565 0 0
Phillips 66 COM 718546104 682 8,839 SH   SOLE   8,839 0 0
Plains All Amer Pipeline LP COM 726503105 4,397 84,925 SH   SOLE   84,625 0 300
Praxair Inc. COM 74005P104 309 2,378 SH   SOLE   2,378 0 0
Procter & Gamble COM 742718109 6,450 79,234 SH   SOLE   78,484 0 750
Qualcomm Inc. COM 747525103 296 3,981 SH   SOLE   3,981 0 0
Raytheon Company COM 755111507 237 2,617 SH   SOLE   2,617 0 0
Regions Financial Corporation COM 7591ep100 856 86,503 SH   SOLE   86,503 0 0
Schlumberger Ltd COM 806857108 565 6,269 SH   SOLE   6,269 0 0
Sherwin Williams COM 824348106 240 1,308 SH   SOLE   1,308 0 0
Southern Company COM 842587107 344 8,360 SH   SOLE   8,360 0 0
Sun Communities Inc. COM 866674104 1,209 28,360 SH   SOLE   28,360 0 0
SunTrust Banks COM 867914103 1,439 39,090 SH   SOLE   38,890 0 200
Susquehanna Bancshares, Inc. COM 869099101 2,461 191,703 SH   SOLE   190,153 0 1,550
Synovus Financial Corp COM 87161c105 225 62,539 SH   SOLE   62,539 0 0
Sysco Corp. COM 871829107 322 8,915 SH   SOLE   8,915 0 0
TJX Companies Inc. COM 872540109 6,455 101,280 SH   SOLE   100,580 0 700
Terra Nitrogen Company, LP COM 881005201 1,004 7,115 SH   SOLE   7,115 0 0
Total System Services, Inc. COM 891906109 223 6,700 SH   SOLE   6,700 0 0
Union Pacific Corp. COM 907818108 1,618 9,633 SH   SOLE   9,633 0 0
United Parcel Service, Inc. Cl COM 911312106 4,358 41,474 SH   SOLE   41,299 0 175
United Technologies COM 913017109 6,310 55,444 SH   SOLE   55,169 0 275
UnitedHealth Group Inc. COM 91324P102 4,000 53,126 SH   SOLE   52,701 0 425
VIVUS, Inc. COM 928551100 227 25,000 SH   SOLE   25,000 0 0
Verizon Communications COM 92343v104 1,705 34,700 SH   SOLE   34,700 0 0
Weatherford Int'l Ltd. COM H27013103 3,290 212,367 SH   SOLE   210,617 0 1,750
Whiting Petroleum Corp. COM 966387102 1,967 31,786 SH   SOLE   31,736 0 50
Wisconsin Energy Corp. COM 976657106 289 7,000 SH   SOLE   7,000 0 0
iShares Nasdaq Biotechnology I XTMF 464287556 290 1,275 SH   SOLE   1,075 0 200
iShares Russell 1000 Value Ind XTMF 464287598 471 5,000 SH   SOLE   5,000 0 0
iShares Russell 2000 Index Fun XTMF 464287655 375 3,247 SH   SOLE   3,247 0 0
iShares Russell 2000 Value Ind XTMF 464287630 3,407 34,246 SH   SOLE   4,206 0 40
iShares Russell Midcap Index F XTMF 464287499 300 2,000 SH   SOLE   2,000 0 0
iShares S&P 500 Index Fund XTMF 464287200 297 1,600 SH   SOLE   1,600 0 0
iShares S&P SmallCap 600 Index XTMF 464287804 391 3,585 SH   SOLE   2,985 0 600
Vanguard Emerging Markets XTIF 922042858 367 8,925 SH   SOLE   8,925 0 0
SPDR Gold Trust XTAL 78463v107 255 2,200 SH   SOLE   2,200 0 0
MFS Multimarket Income Trust XTMI 552737108 119 18,025 SH   SOLE   8,025 0 0
Vanguard Short-Term Bond Fund XTMI 921937827 377 4,715 SH   SOLE   4,715 0 0
iShares Barclays US TIPS Fund XTMI 464287176 258 2,346 SH   SOLE   2,346 0 0