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 Co. COM 88579y101 1,014 7,476 SH   SOLE   7,476 0 0
AFLAC Inc. COM 001055102 362 5,750 SH   SOLE   5,750 0 0
AT&T, Inc. COM 00206r102 1,980 56,456 SH   SOLE   56,456 0 0
AbbVie Inc. COM 00287y109 2,374 46,185 SH   SOLE   45,885 0 300
Abbott Laboratories COM 002824100 4,497 116,764 SH   SOLE   116,364 0 400
Actavis PLC COM G0083B108 3,226 15,672 SH   SOLE   15,640 0 32
Affiliated Managers Group, Inc COM 008252108 6,885 34,414 SH   SOLE   34,119 0 295
Agilent Technologies COM 00846u101 3,858 68,990 SH   SOLE   68,515 0 475
Air Products & Chemicals Inc COM 009158106 3,472 29,165 SH   SOLE   28,915 0 250
AmTrust Financial Services COM 032359309 4,464 118,700 SH   SOLE   117,900 0 800
American Realty Capital Prop COM 02917T104 156 11,159 SH   SOLE   11,159 0 0
Anadarko Petroleum Corp. COM 032511107 338 3,984 SH   SOLE   3,784 0 200
Annaly Mortgage Management, In COM 035710409 1,500 136,724 SH   SOLE   136,724 0 0
Apple Computer COM 037833100 4,220 7,862 SH   SOLE   7,822 0 40
AstraZeneca PLC Spon ADR COM 046353108 376 5,800 SH   SOLE   5,800 0 0
Automatic Data Processing COM 053015103 5,388 69,742 SH   SOLE   69,542 0 200
BCE Inc. COM 05534b760 3,609 83,654 SH   SOLE   83,404 0 250
BHP Billiton Ltd Adr COM 088606108 1,760 25,974 SH   SOLE   25,824 0 150
Bank of America Corp. COM 060505104 1,304 75,800 SH   SOLE   75,800 0 0
Berkshire Hathaway Inc. Cl A COM 084670108 562 3 SH   SOLE   3 0 0
Berkshire Hathaway Inc. Cl B COM 084670702 641 5,127 SH   SOLE   5,127 0 0
Boeing Co. COM 097023105 4,520 36,016 SH   SOLE   35,843 0 173
Brinker International Inc. COM 109641100 5,170 98,570 SH   SOLE   98,070 0 500
Bristol-Myers Squibb COM 110122108 412 7,923 SH   SOLE   7,923 0 0
Buckeye Partners L P Unit L COM 118230101 620 8,255 SH   SOLE   8,255 0 0
CVS Caremark Corporation COM 126650100 1,653 22,083 SH   SOLE   21,883 0 200
CYS Investments Inc COM 12673a108 401 48,500 SH   SOLE   48,500 0 0
Cabot Corporation COM 127055101 236 4,000 SH   SOLE   4,000 0 0
Cadence Design Systems, Inc. COM 127387108 4,331 278,675 SH   SOLE   276,975 0 1,700
Capstead Mortgage Corp. COM 14067E506 328 25,900 SH   SOLE   25,900 0 0
Cerner Corporation COM 156782104 579 10,285 SH   SOLE   10,285 0 0
Check Point Software COM M22465104 2,387 35,300 SH   SOLE   35,115 0 185
ChevronTexaco Corporation COM 166764100 7,110 59,792 SH   SOLE   59,492 0 300
Cincinnati Financial Corp. COM 172062101 238 4,900 SH   SOLE   4,900 0 0
Citizens & Northern Corp. COM 172922106 357 18,100 SH   SOLE   18,100 0 0
Coca-Cola Co. COM 191216100 902 23,337 SH   SOLE   23,337 0 0
Colgate-Palmolive Co. COM 194162103 248 3,830 SH   SOLE   3,830 0 0
Community Bank System Inc COM 203607106 751 19,242 SH   SOLE   19,242 0 0
ConocoPhillips COM 20825C104 2,485 35,317 SH   SOLE   35,092 0 225
Costco Wholesale COM 22160k105 249 2,229 SH   SOLE   2,229 0 0
Diageo PLC Spon ADR COM 25243q205 826 6,631 SH   SOLE   6,381 0 250
Discover Financial Services COM 254709108 3,658 62,866 SH   SOLE   62,491 0 375
Disney, Walt COM 254687106 418 5,218 SH   SOLE   5,218 0 0
Du Pont, E. I. COM 263534109 859 12,795 SH   SOLE   12,795 0 0
Emerson Electric Co COM 291011104 450 6,730 SH   SOLE   6,730 0 0
Enbridge Energy Partners, L.P. COM 29250r106 1,792 65,370 SH   SOLE   65,370 0 0
Energy Transfer Partners, L.P. COM 29273R109 3,043 56,572 SH   SOLE   56,472 0 100
Energy XXI (Bermuda) Ltd. COM G10082140 3,736 158,525 SH   SOLE   157,450 0 1,075
Enterprise Products Partners L COM 293792107 375 5,412 SH   SOLE   5,412 0 0
Exelon Corporation COM 30161n101 1,236 36,824 SH   SOLE   36,724 0 100
Express Scripts Holding Compan COM 30219G108 4,766 63,474 SH   SOLE   63,024 0 450
Exxon Mobil Corp. COM 30231G102 7,760 79,448 SH   SOLE   79,448 0 0
Fifth Third Bancorp COM 316773100 4,038 175,914 SH   SOLE   174,364 0 1,550
General Electric Company COM 369604103 8,399 324,414 SH   SOLE   323,714 0 700
General Mills Inc. COM 370334104 3,507 67,675 SH   SOLE   67,600 0 75
Google, Inc. Cl A COM 38259p508 236 212 SH   SOLE   212 0 0
Halliburton Company COM 406216101 1,005 17,061 SH   SOLE   17,061 0 0
Health Care REIT, Inc. COM 42217k106 924 15,509 SH   SOLE   15,509 0 0
Home Depot Inc. COM 437076102 247 3,116 SH   SOLE   3,116 0 0
Honeywell International COM 438516106 240 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 440 44,150 SH   SOLE   44,150 0 0
Illinois Tool Works COM 452308109 233 2,866 SH   SOLE   2,866 0 0
Intel Corporation COM 458140100 335 12,985 SH   SOLE   12,985 0 0
International Business Machine COM 459200101 1,515 7,868 SH   SOLE   7,868 0 0
Invesco Limited COM g491bt108 1,871 50,565 SH   SOLE   50,365 0 200
J.P. Morgan Chase COM 46625h100 705 11,612 SH   SOLE   11,612 0 0
Johnson & Johnson COM 478160104 9,035 91,981 SH   SOLE   91,581 0 400
Kelly Services Cl A COM 488152208 1,251 52,700 SH   SOLE   52,700 0 0
KeyCorp COM 493267108 4,025 282,642 SH   SOLE   281,892 0 750
Kimberly-Clark Corp. COM 494368103 1,023 9,280 SH   SOLE   9,280 0 0
Kinder Morgan Energy Partners COM 494550106 1,361 18,405 SH   SOLE   18,405 0 0
Lear Corporation COM 521865204 2,548 30,435 SH   SOLE   30,270 0 165
Liberty Property Trust COM 531172104 5,448 147,414 SH   SOLE   146,664 0 750
McDonald's Corp. COM 580135101 354 3,613 SH   SOLE   3,613 0 0
Merck & Co. COM 58933Y105 975 17,180 SH   SOLE   17,180 0 0
Microsoft Corp. COM 594918104 6,932 169,125 SH   SOLE   168,200 0 925
Nestle SA Spon ADR COM 641069406 6,418 85,318 SH   SOLE   84,693 0 625
Newfield Exploration Company COM 651290108 728 23,200 SH   SOLE   23,125 0 75
NextEra Energy, Inc. COM 65339F101 211 2,204 SH   SOLE   2,204 0 0
Noble Energy, Inc. COM 655044105 212 2,990 SH   SOLE   2,990 0 0
Nordstrom, Inc. COM 655664100 3,737 59,845 SH   SOLE   59,695 0 150
Omnicom Group COM 681919106 4,871 67,098 SH   SOLE   66,748 0 350
PNC Financial Services Group, COM 693475105 5,894 67,749 SH   SOLE   67,549 0 200
PPL Corporation COM 69351T106 4,327 130,557 SH   SOLE   129,957 0 600
Pardee Resources Company, Inc. COM 699437109 1,178 4,750 SH   SOLE   4,750 0 0
People's United Financial, Inc COM 712704105 476 32,031 SH   SOLE   32,031 0 0
PepsiCo Inc. COM 713448108 5,617 67,272 SH   SOLE   66,972 0 300
Pfizer, Inc. COM 717081103 786 24,465 SH   SOLE   24,465 0 0
Plains All Amer Pipeline LP COM 726503105 4,944 89,700 SH   SOLE   89,400 0 300
Praxair Inc. COM 74005P104 311 2,378 SH   SOLE   2,378 0 0
Procter & Gamble COM 742718109 2,522 31,287 SH   SOLE   31,287 0 0
Qualcomm Inc. COM 747525103 306 3,881 SH   SOLE   3,881 0 0
Raytheon Company COM 755111507 274 2,771 SH   SOLE   2,771 0 0
Regions Financial Corporation COM 7591ep100 1,017 91,553 SH   SOLE   91,553 0 0
Schlumberger Ltd COM 806857108 616 6,320 SH   SOLE   6,320 0 0
Sherwin Williams COM 824348106 254 1,288 SH   SOLE   1,288 0 0
Southern Company COM 842587107 308 7,019 SH   SOLE   7,019 0 0
Stryker Corporation COM 863667101 212 2,600 SH   SOLE   2,600 0 0
Sun Communities Inc. COM 866674104 1,329 29,485 SH   SOLE   29,485 0 0
SunTrust Banks COM 867914103 1,556 39,115 SH   SOLE   38,915 0 200
Susquehanna Bancshares, Inc. COM 869099101 1,880 165,341 SH   SOLE   163,791 0 1,550
Synovus Financial Corp COM 87161c105 212 62,539 SH   SOLE   62,539 0 0
Sysco Corp. COM 871829107 317 8,766 SH   SOLE   8,766 0 0
TJX Companies Inc. COM 872540109 6,675 110,058 SH   SOLE   109,408 0 650
Terra Nitrogen Company, LP COM 881005201 1,193 7,840 SH   SOLE   7,840 0 0
Total System Services, Inc. COM 891906109 204 6,700 SH   SOLE   6,700 0 0
Union Pacific Corp. COM 907818108 1,785 9,512 SH   SOLE   9,512 0 0
United Parcel Service, Inc. Cl COM 911312106 4,524 46,454 SH   SOLE   46,279 0 175
United Technologies COM 913017109 6,756 57,826 SH   SOLE   57,551 0 275
VIVUS, Inc. COM 928551100 205 34,500 SH   SOLE   34,500 0 0
Verizon Communications COM 92343v104 2,843 59,767 SH   SOLE   59,692 0 75
Weatherford Int'l Ltd. COM H27013103 2,729 157,175 SH   SOLE   155,625 0 1,550
Whiting Petroleum Corp. COM 966387102 2,470 35,595 SH   SOLE   35,395 0 200
Wisconsin Energy Corp. COM 976657106 326 7,000 SH   SOLE   7,000 0 0
iShares Nasdaq Biotechnology I XTMF 464287556 301 1,275 SH   SOLE   1,075 0 200
iShares Russell 1000 Value Ind XTMF 464287598 483 5,000 SH   SOLE   5,000 0 0
iShares Russell 2000 Index Fun XTMF 464287655 378 3,247 SH   SOLE   3,247 0 0
iShares Russell 2000 Value Ind XTMF 464287630 4,410 43,731 SH   SOLE   3,691 0 40
iShares Russell Midcap Index F XTMF 464287499 310 2,000 SH   SOLE   2,000 0 0
iShares S&P 500 Index Fund XTMF 464287200 282 1,500 SH   SOLE   1,500 0 0
iShares S&P SmallCap 600 Index XTMF 464287804 395 3,585 SH   SOLE   2,985 0 600
Vanguard Emerging Markets XTIF 922042858 290 7,144 SH   SOLE   7,144 0 0
iShares MSCI EAFE Index Fund XTIF 464287465 269 4,005 SH   SOLE   3,105 0 900
SPDR Gold Trust XTAL 78463v107 297 2,400 SH   SOLE   2,400 0 0
MFS Multimarket Income Trust XTMI 552737108 98 15,025 SH   SOLE   5,025 0 0
Vanguard Short-Term Bond Fund XTMI 921937827 390 4,865 SH   SOLE   4,865 0 0
iShares Barclays US TIPS Fund XTMI 464287176 263 2,346 SH   SOLE   2,346 0 0