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 1,100 7,676 SH   SOLE   7,676 0 0
AFLAC Inc. COM 001055102 336 5,400 SH   SOLE   5,400 0 0
AT&T, Inc. COM 00206r102 1,920 54,296 SH   SOLE   54,296 0 0
AbbVie Inc. COM 00287y109 2,567 45,475 SH   SOLE   45,175 0 300
Abbott Laboratories COM 002824100 4,878 119,264 SH   SOLE   118,864 0 400
Actavis PLC COM G0083B108 6,553 29,380 SH   SOLE   29,273 0 107
Affiliated Managers Group, Inc COM 008252108 7,135 34,739 SH   SOLE   34,444 0 295
Agilent Technologies COM 00846u101 4,123 71,784 SH   SOLE   71,309 0 475
Air Products & Chemicals Inc COM 009158106 3,790 29,464 SH   SOLE   29,214 0 250
AmTrust Financial Services COM 032359309 4,999 119,575 SH   SOLE   119,125 0 450
AmerisourceBergen Corp. COM 03073e105 918 12,635 SH   SOLE   12,635 0 0
Anadarko Petroleum Corp. COM 032511107 436 3,984 SH   SOLE   3,784 0 200
Annaly Mortgage Management, In COM 035710409 1,471 128,724 SH   SOLE   128,724 0 0
Apple Computer COM 037833100 5,200 55,961 SH   SOLE   55,751 0 210
AstraZeneca PLC Spon ADR COM 046353108 468 6,300 SH   SOLE   6,300 0 0
Automatic Data Processing COM 053015103 5,495 69,309 SH   SOLE   69,109 0 200
BCE Inc. COM 05534b760 3,874 85,404 SH   SOLE   85,154 0 250
Bank of America Corp. COM 060505104 1,165 75,800 SH   SOLE   75,800 0 0
Berkshire Hathaway Inc. Cl A COM 084670108 570 3 SH   SOLE   3 0 0
Berkshire Hathaway Inc. Cl B COM 084670702 649 5,127 SH   SOLE   5,127 0 0
Boeing Co. COM 097023105 4,739 37,250 SH   SOLE   37,077 0 173
Brinker International Inc. COM 109641100 4,826 99,195 SH   SOLE   98,695 0 500
Bristol-Myers Squibb COM 110122108 375 7,723 SH   SOLE   7,723 0 0
Buckeye Partners L P Unit L COM 118230101 686 8,255 SH   SOLE   8,255 0 0
CVS Caremark Corporation COM 126650100 2,884 38,268 SH   SOLE   37,843 0 425
CYS Investments Inc COM 12673a108 419 46,500 SH   SOLE   46,500 0 0
Cabot Corporation COM 127055101 232 4,000 SH   SOLE   4,000 0 0
Cadence Design Systems, Inc. COM 127387108 5,333 304,925 SH   SOLE   303,225 0 1,700
Capstead Mortgage Corp. COM 14067E506 341 25,900 SH   SOLE   25,900 0 0
Cerner Corporation COM 156782104 531 10,285 SH   SOLE   10,285 0 0
Check Point Software COM M22465104 3,926 58,575 SH   SOLE   58,190 0 385
ChevronTexaco Corporation COM 166764100 7,698 58,968 SH   SOLE   58,668 0 300
Cincinnati Financial Corp. COM 172062101 256 5,325 SH   SOLE   5,325 0 0
Citizens & Northern Corp. COM 172922106 353 18,100 SH   SOLE   18,100 0 0
Coca-Cola Co. COM 191216100 946 22,337 SH   SOLE   22,337 0 0
Colgate-Palmolive Co. COM 194162103 261 3,830 SH   SOLE   3,830 0 0
Community Bank System Inc COM 203607106 697 19,242 SH   SOLE   19,242 0 0
ConocoPhillips COM 20825C104 2,990 34,882 SH   SOLE   34,657 0 225
Costco Wholesale COM 22160k105 257 2,229 SH   SOLE   2,229 0 0
Diageo PLC Spon ADR COM 25243q205 809 6,356 SH   SOLE   6,356 0 0
Discover Financial Services COM 254709108 4,026 64,956 SH   SOLE   64,581 0 375
Disney, Walt COM 254687106 438 5,114 SH   SOLE   5,114 0 0
Du Pont, E. I. COM 263534109 844 12,895 SH   SOLE   12,895 0 0
Emerson Electric Co COM 291011104 447 6,730 SH   SOLE   6,730 0 0
Enbridge Energy Partners, L.P. COM 29250r106 2,359 63,870 SH   SOLE   63,870 0 0
Energy Transfer Partners, L.P. COM 29273R109 3,279 56,572 SH   SOLE   56,472 0 100
Energy XXI (Bermuda) Ltd. COM G10082140 3,752 158,775 SH   SOLE   158,200 0 575
Enterprise Products Partners L COM 293792107 424 5,412 SH   SOLE   5,412 0 0
Exxon Mobil Corp. COM 30231G102 7,859 78,057 SH   SOLE   78,057 0 0
Fifth Third Bancorp COM 316773100 3,833 179,514 SH   SOLE   178,614 0 900
General Electric Company COM 369604103 8,621 328,060 SH   SOLE   327,360 0 700
General Mills Inc. COM 370334104 3,698 70,385 SH   SOLE   70,310 0 75
Halliburton Company COM 406216101 1,336 18,821 SH   SOLE   18,821 0 0
Health Care REIT, Inc. COM 42217k106 997 15,909 SH   SOLE   15,909 0 0
Home Depot Inc. COM 437076102 252 3,116 SH   SOLE   3,116 0 0
Honeywell International COM 438516106 249 2,681 SH   SOLE   2,681 0 0
HouseRaising, Inc. COM 44183w106 0 10,000 SH   SOLE   10,000 0 0
Huntington Bancshares, Inc. COM 446150104 436 45,650 SH   SOLE   45,650 0 0
Illinois Tool Works COM 452308109 251 2,866 SH   SOLE   2,866 0 0
Intel Corporation COM 458140100 400 12,935 SH   SOLE   12,935 0 0
International Business Machine COM 459200101 1,414 7,803 SH   SOLE   7,803 0 0
Invesco Limited COM g491bt108 1,972 52,240 SH   SOLE   52,040 0 200
J.P. Morgan Chase COM 46625h100 663 11,507 SH   SOLE   11,507 0 0
Johnson & Johnson COM 478160104 9,609 91,846 SH   SOLE   91,446 0 400
Kelly Services Cl A COM 488152208 905 52,700 SH   SOLE   52,700 0 0
KeyCorp COM 493267108 4,091 285,492 SH   SOLE   284,742 0 750
Kimberly-Clark Corp. COM 494368103 1,049 9,430 SH   SOLE   9,430 0 0
Kinder Morgan Energy Partners COM 494550106 1,513 18,405 SH   SOLE   18,405 0 0
Lear Corporation COM 521865204 2,832 31,705 SH   SOLE   31,540 0 165
Liberty Property Trust COM 531172104 5,525 145,664 SH   SOLE   144,914 0 750
Magellan Midstream Partners, L COM 559080106 229 2,725 SH   SOLE   2,725 0 0
McDonald's Corp. COM 580135101 364 3,613 SH   SOLE   3,613 0 0
Merck & Co. COM 58933Y105 1,102 19,055 SH   SOLE   19,055 0 0
Microsoft Corp. COM 594918104 7,220 173,149 SH   SOLE   172,224 0 925
Nestle SA Spon ADR COM 641069406 6,609 85,096 SH   SOLE   84,471 0 625
Newfield Exploration Company COM 651290108 918 20,780 SH   SOLE   20,705 0 75
NextEra Energy, Inc. COM 65339F101 258 2,514 SH   SOLE   2,514 0 0
Nordstrom, Inc. COM 655664100 4,794 70,575 SH   SOLE   70,000 0 575
Omnicom Group COM 681919106 5,122 71,918 SH   SOLE   71,643 0 275
PNC Financial Services Group, COM 693475105 6,180 69,394 SH   SOLE   69,194 0 200
PPL Corporation COM 69351T106 4,616 129,932 SH   SOLE   129,332 0 600
Pardee Resources Company, Inc. COM 699437109 1,325 4,750 SH   SOLE   4,750 0 0
PepsiCo Inc. COM 713448108 6,120 68,499 SH   SOLE   68,199 0 300
Pfizer, Inc. COM 717081103 1,048 35,315 SH   SOLE   35,315 0 0
Plains All Amer Pipeline LP COM 726503105 5,439 90,575 SH   SOLE   90,275 0 300
Praxair Inc. COM 74005P104 321 2,418 SH   SOLE   2,418 0 0
Procter & Gamble COM 742718109 2,465 31,367 SH   SOLE   31,367 0 0
Qualcomm Inc. COM 747525103 3,880 48,996 SH   SOLE   48,671 0 325
Raytheon Company COM 755111507 256 2,771 SH   SOLE   2,771 0 0
Regions Financial Corporation COM 7591ep100 933 87,878 SH   SOLE   87,878 0 0
Schlumberger Ltd COM 806857108 733 6,215 SH   SOLE   6,215 0 0
Sherwin Williams COM 824348106 267 1,288 SH   SOLE   1,288 0 0
Southern Company COM 842587107 315 6,944 SH   SOLE   6,944 0 0
Stryker Corporation COM 863667101 219 2,600 SH   SOLE   2,600 0 0
Sun Communities Inc. COM 866674104 1,475 29,585 SH   SOLE   29,585 0 0
SunTrust Banks COM 867914103 1,943 48,490 SH   SOLE   48,290 0 200
Susquehanna Bancshares, Inc. COM 869099101 1,326 125,552 SH   SOLE   124,752 0 800
Synovus Financial Corp COM 87161c501 214 8,788 SH   SOLE   8,788 0 0
Sysco Corp. COM 871829107 328 8,766 SH   SOLE   8,766 0 0
TJX Companies Inc. COM 872540109 5,944 111,837 SH   SOLE   111,187 0 650
Terra Nitrogen Company, LP COM 881005201 1,253 8,680 SH   SOLE   8,680 0 0
Total System Services, Inc. COM 891906109 204 6,500 SH   SOLE   6,500 0 0
Union Pacific Corp. COM 907818108 1,898 19,024 SH   SOLE   19,024 0 0
United Parcel Service, Inc. Cl COM 911312106 4,858 47,324 SH   SOLE   47,149 0 175
United Technologies COM 913017109 6,809 58,976 SH   SOLE   58,701 0 275
VIVUS, Inc. COM 928551100 184 34,500 SH   SOLE   34,500 0 0
Verizon Communications COM 92343v104 3,030 61,917 SH   SOLE   61,842 0 75
Weatherford Int'l plc COM G48833100 3,245 141,075 SH   SOLE   140,025 0 1,050
Whiting Petroleum Corp. COM 966387102 2,877 35,855 SH   SOLE   35,655 0 200
Wisconsin Energy Corp. COM 976657106 328 7,000 SH   SOLE   7,000 0 0
iShares Nasdaq Biotechnology I XTMF 464287556 315 1,225 SH   SOLE   1,075 0 150
iShares Russell 1000 Value Ind XTMF 464287598 506 5,000 SH   SOLE   5,000 0 0
iShares Russell 2000 Index Fun XTMF 464287655 326 2,747 SH   SOLE   2,747 0 0
iShares Russell 2000 Value Ind XTMF 464287630 5,045 48,856 SH   SOLE   8,816 0 40
iShares Russell Midcap Index F XTMF 464287499 329 2,025 SH   SOLE   2,025 0 0
iShares S&P 500 Index Fund XTMF 464287200 296 1,500 SH   SOLE   1,500 0 0
iShares S&P SmallCap 600 Index XTMF 464287804 416 3,715 SH   SOLE   3,115 0 600
Vanguard Emerging Markets XTIF 922042858 314 7,269 SH   SOLE   7,269 0 0
iShares MSCI EAFE Index Fund XTIF 464287465 274 4,005 SH   SOLE   3,105 0 900
SPDR Gold Trust XTAL 78463v107 376 2,940 SH   SOLE   2,940 0 0
MFS Multimarket Income Trust XTMI 552737108 73 11,025 SH   SOLE   1,025 0 0
Vanguard Short-Term Bond Fund XTMI 921937827 315 3,920 SH   SOLE   3,920 0 0
iShares Barclays US TIPS Fund XTMI 464287176 271 2,346 SH   SOLE   2,346 0 0