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 951 6,711 SH   SOLE   6,711 0 0
AFLAC Inc. COM 001055102 315 5,400 SH   SOLE   5,400 0 0
AT&T, Inc. COM 00206r102 1,901 53,931 SH   SOLE   53,931 0 0
AbbVie Inc. COM 00287y109 2,562 44,350 SH   SOLE   44,050 0 300
Abbott Laboratories COM 002824100 4,930 118,529 SH   SOLE   118,129 0 400
Actavis PLC COM G0083B108 7,239 30,001 SH   SOLE   29,894 0 107
Affiliated Managers Group, Inc COM 008252108 6,850 34,189 SH   SOLE   33,944 0 245
Agilent Technologies COM 00846u101 4,083 71,659 SH   SOLE   71,184 0 475
Air Products & Chemicals Inc COM 009158106 3,845 29,539 SH   SOLE   29,289 0 250
AmTrust Financial Services COM 032359309 4,799 120,525 SH   SOLE   120,075 0 450
AmerisourceBergen Corp. COM 03073e105 1,746 22,585 SH   SOLE   22,585 0 0
Anadarko Petroleum Corp. COM 032511107 358 3,534 SH   SOLE   3,334 0 200
Annaly Mortgage Management, In COM 035710409 1,375 128,724 SH   SOLE   128,724 0 0
Apple Computer COM 037833100 5,576 55,348 SH   SOLE   55,138 0 210
AstraZeneca PLC Spon ADR COM 046353108 450 6,300 SH   SOLE   6,300 0 0
Automatic Data Processing COM 053015103 906 10,910 SH   SOLE   10,910 0 0
BCE Inc. COM 05534b760 3,742 87,504 SH   SOLE   87,254 0 250
Bank of America Corp. COM 060505104 1,290 75,650 SH   SOLE   75,650 0 0
Berkshire Hathaway Inc. Cl A COM 084670108 621 3 SH   SOLE   3 0 0
Berkshire Hathaway Inc. Cl B COM 084670702 708 5,127 SH   SOLE   5,127 0 0
Boeing Co. COM 097023105 4,869 38,224 SH   SOLE   38,051 0 173
Brinker International Inc. COM 109641100 5,420 106,720 SH   SOLE   106,120 0 600
Bristol-Myers Squibb COM 110122108 360 7,029 SH   SOLE   7,029 0 0
Buckeye Partners L P Unit L COM 118230101 649 8,155 SH   SOLE   8,155 0 0
CVS Caremark Corporation COM 126650100 3,247 40,792 SH   SOLE   40,367 0 425
CYS Investments Inc COM 12673a108 409 49,600 SH   SOLE   49,600 0 0
Cabot Corporation COM 127055101 203 4,000 SH   SOLE   4,000 0 0
Cadence Design Systems, Inc. COM 127387108 5,192 301,675 SH   SOLE   299,975 0 1,700
Capstead Mortgage Corp. COM 14067E506 483 39,450 SH   SOLE   39,450 0 0
Cerner Corporation COM 156782104 613 10,285 SH   SOLE   10,285 0 0
Check Point Software COM M22465104 4,668 67,415 SH   SOLE   67,005 0 410
ChevronTexaco Corporation COM 166764100 7,019 58,823 SH   SOLE   58,523 0 300
Cincinnati Financial Corp. COM 172062101 245 5,200 SH   SOLE   5,200 0 0
Citizens & Northern Corp. COM 172922106 342 18,000 SH   SOLE   18,000 0 0
Coca-Cola Co. COM 191216100 946 22,187 SH   SOLE   22,187 0 0
Community Bank System Inc COM 203607106 796 23,692 SH   SOLE   23,692 0 0
ConocoPhillips COM 20825C104 2,330 30,452 SH   SOLE   30,227 0 225
Costco Wholesale COM 22160k105 292 2,329 SH   SOLE   2,329 0 0
Diageo PLC Spon ADR COM 25243q205 722 6,256 SH   SOLE   6,256 0 0
Discover Financial Services COM 254709108 4,550 70,658 SH   SOLE   70,258 0 400
Disney, Walt COM 254687106 446 5,014 SH   SOLE   5,014 0 0
Donaldson Co. Inc. COM 257651109 228 5,600 SH   SOLE   5,600 0 0
Du Pont, E. I. COM 263534109 940 13,095 SH   SOLE   13,095 0 0
Emerson Electric Co COM 291011104 387 6,190 SH   SOLE   6,190 0 0
Enbridge Energy Partners, L.P. COM 29250r106 2,450 63,060 SH   SOLE   63,060 0 0
Energy Transfer Partners, L.P. COM 29273R109 3,651 57,062 SH   SOLE   56,962 0 100
Energy XXI (Bermuda) Ltd. COM G10082140 1,773 156,225 SH   SOLE   155,650 0 575
Enterprise Products Partners L COM 293792107 436 10,824 SH   SOLE   10,824 0 0
Exxon Mobil Corp. COM 30231G102 7,228 76,852 SH   SOLE   76,852 0 0
Fifth Third Bancorp COM 316773100 3,842 191,889 SH   SOLE   190,989 0 900
General Electric Company COM 369604103 8,348 325,830 SH   SOLE   325,130 0 700
General Mills Inc. COM 370334104 279 5,540 SH   SOLE   5,540 0 0
Halliburton Company COM 406216101 1,570 24,333 SH   SOLE   24,333 0 0
Health Care REIT, Inc. COM 42217k106 1,022 16,384 SH   SOLE   16,384 0 0
Home Depot Inc. COM 437076102 245 2,666 SH   SOLE   2,666 0 0
Honeywell International COM 438516106 244 2,616 SH   SOLE   2,616 0 0
HouseRaising, Inc. COM 44183w106 0 10,000 SH   SOLE   10,000 0 0
Huntington Bancshares, Inc. COM 446150104 434 44,650 SH   SOLE   44,650 0 0
Illinois Tool Works COM 452308109 297 3,516 SH   SOLE   3,516 0 0
Intel Corporation COM 458140100 386 11,075 SH   SOLE   11,075 0 0
International Business Machine COM 459200101 1,283 6,757 SH   SOLE   6,757 0 0
Invesco Limited COM g491bt108 2,215 56,115 SH   SOLE   55,915 0 200
J.P. Morgan Chase COM 46625h100 687 11,407 SH   SOLE   11,407 0 0
Johnson & Johnson COM 478160104 9,874 92,636 SH   SOLE   92,236 0 400
Kelly Services Cl A COM 488152208 826 52,700 SH   SOLE   52,700 0 0
KeyCorp COM 493267108 3,935 295,217 SH   SOLE   294,467 0 750
Kimberly-Clark Corp. COM 494368103 942 8,755 SH   SOLE   8,755 0 0
Kinder Morgan Energy Partners COM 494550106 1,717 18,405 SH   SOLE   18,405 0 0
Lear Corporation COM 521865204 3,050 35,295 SH   SOLE   35,130 0 165
Liberty Property Trust COM 531172104 4,929 148,189 SH   SOLE   147,614 0 575
Magellan Midstream Partners, L COM 559080106 229 2,725 SH   SOLE   2,725 0 0
McDonald's Corp. COM 580135101 224 2,363 SH   SOLE   2,363 0 0
Merck & Co. COM 58933Y105 1,183 19,963 SH   SOLE   19,963 0 0
Microsoft Corp. COM 594918104 8,033 173,284 SH   SOLE   172,359 0 925
Nestle SA Spon ADR COM 641069406 6,269 85,140 SH   SOLE   84,591 0 549
NextEra Energy, Inc. COM 65339F101 236 2,514 SH   SOLE   2,514 0 0
Nordstrom, Inc. COM 655664100 4,839 70,775 SH   SOLE   70,325 0 450
Norfolk-Southern Corp. COM 655844108 204 1,827 SH   SOLE   1,827 0 0
Omnicom Group COM 681919106 4,956 71,978 SH   SOLE   71,728 0 250
PNC Financial Services Group, COM 693475105 6,123 71,548 SH   SOLE   71,273 0 275
PPL Corporation COM 69351T106 4,260 129,732 SH   SOLE   129,132 0 600
Pardee Resources Company, Inc. COM 699437109 1,369 4,750 SH   SOLE   4,750 0 0
PepsiCo Inc. COM 713448108 6,378 68,519 SH   SOLE   68,219 0 300
Pfizer, Inc. COM 717081103 1,069 36,140 SH   SOLE   36,140 0 0
Plains All Amer Pipeline LP COM 726503105 5,493 93,325 SH   SOLE   93,025 0 300
Praxair Inc. COM 74005P104 302 2,343 SH   SOLE   2,343 0 0
Procter & Gamble COM 742718109 2,597 31,007 SH   SOLE   31,007 0 0
Qualcomm Inc. COM 747525103 3,842 51,381 SH   SOLE   51,056 0 325
Raytheon Company COM 755111507 289 2,846 SH   SOLE   2,846 0 0
Regions Financial Corporation COM 7591ep100 865 86,128 SH   SOLE   86,128 0 0
Schlumberger Ltd COM 806857108 632 6,215 SH   SOLE   6,215 0 0
Sherwin Williams COM 824348106 344 1,573 SH   SOLE   1,573 0 0
Southern Company COM 842587107 314 7,194 SH   SOLE   7,194 0 0
Stryker Corporation COM 863667101 253 3,130 SH   SOLE   3,130 0 0
Sun Communities Inc. COM 866674104 1,513 29,960 SH   SOLE   29,960 0 0
SunTrust Banks COM 867914103 1,989 52,309 SH   SOLE   52,109 0 200
Susquehanna Bancshares, Inc. COM 869099101 227 22,702 SH   SOLE   22,702 0 0
Sysco Corp. COM 871829107 376 9,896 SH   SOLE   9,896 0 0
TJX Companies Inc. COM 872540109 6,570 111,041 SH   SOLE   110,416 0 625
Terra Nitrogen Company, LP COM 881005201 1,232 8,530 SH   SOLE   8,530 0 0
Total System Services, Inc. COM 891906109 201 6,500 SH   SOLE   6,500 0 0
Union Pacific Corp. COM 907818108 2,057 18,974 SH   SOLE   18,974 0 0
United Parcel Service, Inc. Cl COM 911312106 4,580 46,599 SH   SOLE   46,424 0 175
United Technologies COM 913017109 6,141 58,151 SH   SOLE   57,876 0 275
VIVUS, Inc. COM 928551100 133 34,500 SH   SOLE   34,500 0 0
Verizon Communications COM 92343v104 3,286 65,742 SH   SOLE   65,667 0 75
Weatherford Int'l plc COM G48833100 2,103 101,100 SH   SOLE   100,050 0 1,050
Whiting Petroleum Corp. COM 966387102 2,927 37,740 SH   SOLE   37,540 0 200
Wisconsin Energy Corp. COM 976657106 301 7,000 SH   SOLE   7,000 0 0
iShares Nasdaq Biotechnology I XTMF 464287556 390 1,425 SH   SOLE   1,275 0 150
iShares Russell 1000 Value Ind XTMF 464287598 500 5,000 SH   SOLE   5,000 0 0
iShares Russell 2000 Index Fun XTMF 464287655 300 2,747 SH   SOLE   2,747 0 0
iShares Russell 2000 Value Ind XTMF 464287630 4,665 49,858 SH   SOLE   9,818 0 40
iShares Russell Midcap Index F XTMF 464287499 324 2,045 SH   SOLE   2,045 0 0
iShares S&P 500 Index Fund XTMF 464287200 297 1,500 SH   SOLE   1,500 0 0
iShares S&P SmallCap 600 Index XTMF 464287804 387 3,715 SH   SOLE   3,115 0 600
Vanguard Emerging Markets XTIF 922042858 300 7,181 SH   SOLE   7,181 0 0
iShares MSCI EAFE Index Fund XTIF 464287465 332 5,185 SH   SOLE   4,285 0 900
SPDR Gold Trust XTAL 78463v107 322 2,775 SH   SOLE   2,775 0 0
MFS Multimarket Income Trust XTMI 552737108 71 11,025 SH   SOLE   1,025 0 0
Vanguard Short-Term Bond Fund XTMI 921937827 282 3,520 SH   SOLE   3,520 0 0
Vanguard Total Bond Market XTMI 921937835 216 2,635 SH   SOLE   2,635 0 0
iShares Barclays US TIPS Fund XTMI 464287176 247 2,200 SH   SOLE   2,200 0 0