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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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 1,089 6,626 SH   SOLE   6,626 0 0
AFLAC Inc. COM 001055102 330 5,400 SH   SOLE   5,400 0 0
AT&T, Inc. COM 00206r102 1,828 54,418 SH   SOLE   54,418 0 0
AbbVie Inc. COM 00287y109 2,971 45,398 SH   SOLE   45,098 0 300
Abbott Laboratories COM 002824100 5,406 120,080 SH   SOLE   119,680 0 400
Actavis PLC COM G0083B108 7,916 30,753 SH   SOLE   30,646 0 107
Affiliated Managers Group, Inc COM 008252108 5,656 26,650 SH   SOLE   26,525 0 125
Agilent Technologies COM 00846u101 2,494 60,925 SH   SOLE   60,450 0 475
Air Products & Chemicals Inc COM 009158106 4,217 29,239 SH   SOLE   28,989 0 250
AmTrust Financial Services COM 032359309 6,924 123,100 SH   SOLE   122,650 0 450
AmerisourceBergen Corp. COM 03073e105 2,090 23,185 SH   SOLE   23,085 0 100
Anadarko Petroleum Corp. COM 032511107 267 3,236 SH   SOLE   3,036 0 200
Annaly Mortgage Management, In COM 035710409 1,394 128,990 SH   SOLE   128,990 0 0
Apple Computer COM 037833100 6,514 59,017 SH   SOLE   58,687 0 330
AstraZeneca PLC Spon ADR COM 046353108 443 6,300 SH   SOLE   6,300 0 0
Automatic Data Processing COM 053015103 995 11,939 SH   SOLE   11,939 0 0
BCE Inc. COM 05534b760 4,148 90,443 SH   SOLE   90,143 0 300
Bank of America Corp. COM 060505104 1,350 75,450 SH   SOLE   75,450 0 0
Berkshire Hathaway Inc. Cl A COM 084670108 678 3 SH   SOLE   3 0 0
Berkshire Hathaway Inc. Cl B COM 084670702 770 5,127 SH   SOLE   5,127 0 0
Biogen Idec Inc. COM 09062X103 339 1,000 SH   SOLE   1,000 0 0
Boeing Co. COM 097023105 4,986 38,363 SH   SOLE   38,190 0 173
Brinker International Inc. COM 109641100 6,109 104,095 SH   SOLE   103,495 0 600
Bristol-Myers Squibb COM 110122108 408 6,912 SH   SOLE   6,912 0 0
Buckeye Partners L P Unit L COM 118230101 617 8,155 SH   SOLE   8,155 0 0
CVS Caremark Corporation COM 126650100 4,457 46,274 SH   SOLE   45,849 0 425
CYS Investments Inc COM 12673a108 433 49,600 SH   SOLE   49,600 0 0
Cadence Design Systems, Inc. COM 127387108 3,587 189,100 SH   SOLE   189,100 0 0
Capstead Mortgage Corp. COM 14067E506 488 39,750 SH   SOLE   39,750 0 0
Celgene Corp. COM 151020104 540 4,830 SH   SOLE   4,830 0 0
Cerner Corporation COM 156782104 665 10,285 SH   SOLE   10,285 0 0
Check Point Software COM M22465104 5,277 67,165 SH   SOLE   66,755 0 410
ChevronTexaco Corporation COM 166764100 6,864 61,188 SH   SOLE   60,888 0 300
Citizens & Northern Corp. COM 172922106 303 14,650 SH   SOLE   14,650 0 0
Coca-Cola Co. COM 191216100 844 19,999 SH   SOLE   19,999 0 0
Community Bank System Inc COM 203607106 884 23,192 SH   SOLE   23,192 0 0
ConocoPhillips COM 20825C104 2,061 29,842 SH   SOLE   29,617 0 225
Costco Wholesale COM 22160k105 330 2,329 SH   SOLE   2,329 0 0
Diageo PLC Spon ADR COM 25243q205 671 5,881 SH   SOLE   5,881 0 0
Discover Financial Services COM 254709108 4,740 72,374 SH   SOLE   71,974 0 400
Disney, Walt COM 254687106 472 5,014 SH   SOLE   5,014 0 0
Donaldson Co. Inc. COM 257651109 268 6,940 SH   SOLE   6,940 0 0
Du Pont, E. I. COM 263534109 979 13,238 SH   SOLE   13,238 0 0
Emerson Electric Co COM 291011104 382 6,190 SH   SOLE   6,190 0 0
Enbridge Energy Partners, L.P. COM 29250r106 2,408 60,342 SH   SOLE   60,342 0 0
Energy Transfer Partners, L.P. COM 29273R109 3,704 56,987 SH   SOLE   56,887 0 100
Energy XXI (Bermuda) Ltd. COM G10082140 306 93,800 SH   SOLE   93,300 0 500
Enterprise Products Partners L COM 293792107 400 11,072 SH   SOLE   11,072 0 0
Enzo Biochem, Inc. COM 294100102 62 14,000 SH   SOLE   14,000 0 0
Exxon Mobil Corp. COM 30231G102 7,279 78,733 SH   SOLE   78,733 0 0
Fifth Third Bancorp COM 316773100 4,206 206,439 SH   SOLE   205,539 0 900
General Electric Company COM 369604103 8,075 319,536 SH   SOLE   318,836 0 700
Google, Inc. Cl C COM 38259P706 1,564 2,971 SH   SOLE   2,938 0 33
Halliburton Company COM 406216101 1,504 38,243 SH   SOLE   38,068 0 175
Health Care REIT, Inc. COM 42217k106 1,236 16,338 SH   SOLE   16,338 0 0
Henry Jack & Associates Inc. COM 426281101 203 3,270 SH   SOLE   3,270 0 0
Home Depot Inc. COM 437076102 280 2,666 SH   SOLE   2,666 0 0
Honeywell International COM 438516106 261 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 470 44,650 SH   SOLE   44,650 0 0
Illinois Tool Works COM 452308109 397 4,191 SH   SOLE   4,191 0 0
Intel Corporation COM 458140100 425 11,717 SH   SOLE   11,717 0 0
International Business Machine COM 459200101 667 4,160 SH   SOLE   4,160 0 0
Invesco Limited COM g491bt108 2,372 60,015 SH   SOLE   59,815 0 200
J.P. Morgan Chase COM 46625h100 725 11,586 SH   SOLE   11,586 0 0
Johnson & Johnson COM 478160104 9,815 93,865 SH   SOLE   93,465 0 400
Kelly Services Cl A COM 488152208 897 52,700 SH   SOLE   52,700 0 0
KeyCorp COM 493267108 4,123 296,642 SH   SOLE   295,892 0 750
Keysight Technologies, Inc. COM 49338L103 3,169 93,850 SH   SOLE   92,900 0 950
Kimberly-Clark Corp. COM 494368103 1,027 8,889 SH   SOLE   8,889 0 0
Lear Corporation COM 521865204 3,389 34,550 SH   SOLE   34,385 0 165
Liberty Property Trust COM 531172104 5,500 146,156 SH   SOLE   145,581 0 575
Magellan Midstream Partners, L COM 559080106 225 2,725 SH   SOLE   2,725 0 0
McDonald's Corp. COM 580135101 242 2,578 SH   SOLE   2,578 0 0
Medtronic PLC COM G5960L103 234 3,240 SH   SOLE   3,240 0 0
Merck & Co. COM 58933Y105 1,203 21,180 SH   SOLE   21,180 0 0
Microsoft Corp. COM 594918104 8,224 177,060 SH   SOLE   176,135 0 925
Nestle SA Spon ADR COM 641069406 6,260 85,815 SH   SOLE   85,266 0 549
NextEra Energy, Inc. COM 65339F101 283 2,659 SH   SOLE   2,659 0 0
Nordstrom, Inc. COM 655664100 5,824 73,365 SH   SOLE   72,915 0 450
Omnicom Group COM 681919106 5,519 71,245 SH   SOLE   70,995 0 250
PNC Financial Services Group, COM 693475105 6,631 72,683 SH   SOLE   72,408 0 275
PPL Corporation COM 69351T106 4,708 129,583 SH   SOLE   128,983 0 600
Pardee Resources Company, Inc. COM 699437109 1,235 4,750 SH   SOLE   4,750 0 0
PepsiCo Inc. COM 713448108 6,556 69,335 SH   SOLE   69,035 0 300
Pfizer, Inc. COM 717081103 1,172 37,616 SH   SOLE   37,616 0 0
Plains All Amer Pipeline LP COM 726503105 4,922 95,916 SH   SOLE   95,616 0 300
Praxair Inc. COM 74005P104 304 2,343 SH   SOLE   2,343 0 0
Procter & Gamble COM 742718109 2,899 31,831 SH   SOLE   31,831 0 0
Qualcomm Inc. COM 747525103 3,908 52,571 SH   SOLE   52,246 0 325
Raytheon Company COM 755111507 302 2,796 SH   SOLE   2,796 0 0
Regions Financial Corporation COM 7591ep100 894 84,628 SH   SOLE   84,628 0 0
Roper Industries COM 776696106 901 5,763 SH   SOLE   5,763 0 0
Royal Dutch Shell PLC Spons AD COM 780259206 267 3,984 SH   SOLE   3,984 0 0
Schlumberger Ltd COM 806857108 791 9,265 SH   SOLE   9,265 0 0
Sherwin Williams COM 824348106 497 1,888 SH   SOLE   1,888 0 0
Sigma Aldrich Corp. COM 826552101 201 1,462 SH   SOLE   1,462 0 0
Southern Company COM 842587107 353 7,194 SH   SOLE   7,194 0 0
Stryker Corporation COM 863667101 363 3,850 SH   SOLE   3,850 0 0
Sun Communities Inc. COM 866674104 1,811 29,960 SH   SOLE   29,960 0 0
SunTrust Banks COM 867914103 2,303 54,959 SH   SOLE   54,759 0 200
Susquehanna Bancshares, Inc. COM 869099101 188 14,002 SH   SOLE   14,002 0 0
Synovus Financial Corp COM 87161c501 216 7,984 SH   SOLE   7,984 0 0
Sysco Corp. COM 871829107 421 10,606 SH   SOLE   10,606 0 0
TJX Companies Inc. COM 872540109 7,518 109,631 SH   SOLE   109,006 0 625
Terra Nitrogen Company, LP COM 881005201 860 8,370 SH   SOLE   8,370 0 0
Total System Services, Inc. COM 891906109 221 6,500 SH   SOLE   6,500 0 0
Union Pacific Corp. COM 907818108 2,026 17,004 SH   SOLE   17,004 0 0
United Parcel Service, Inc. Cl COM 911312106 5,131 46,153 SH   SOLE   45,978 0 175
United Technologies COM 913017109 6,726 58,486 SH   SOLE   58,211 0 275
VIVUS, Inc. COM 928551100 71 24,500 SH   SOLE   24,500 0 0
Verizon Communications COM 92343v104 3,240 69,270 SH   SOLE   69,195 0 75
Weatherford Int'l plc COM G48833100 771 67,375 SH   SOLE   66,325 0 1,050
Whiting Petroleum Corp. COM 966387102 1,241 37,600 SH   SOLE   37,400 0 200
Wisconsin Energy Corp. COM 976657106 369 7,000 SH   SOLE   7,000 0 0
iShares Nasdaq Biotechnology I XTMF 464287556 704 2,320 SH   SOLE   2,170 0 150
iShares Russell 1000 Value Ind XTMF 464287598 522 5,000 SH   SOLE   5,000 0 0
iShares Russell 2000 Index Fun XTMF 464287655 329 2,747 SH   SOLE   2,747 0 0
iShares Russell 2000 Value Ind XTMF 464287630 5,547 54,553 SH   SOLE   4,513 0 40
iShares Russell Midcap Index F XTMF 464287499 342 2,045 SH   SOLE   2,045 0 0
iShares S&P 500 Index Fund XTMF 464287200 310 1,500 SH   SOLE   1,500 0 0
iShares S&P SmallCap 600 Index XTMF 464287804 424 3,715 SH   SOLE   3,115 0 600
Vanguard Emerging Markets XTIF 922042858 287 7,181 SH   SOLE   7,181 0 0
iShares MSCI EAFE Index Fund XTIF 464287465 321 5,273 SH   SOLE   4,373 0 900
SPDR Gold Trust XTAL 78463v107 315 2,775 SH   SOLE   2,775 0 0
MFS Multimarket Income Trust XTMI 552737108 72 11,025 SH   SOLE   1,025 0 0
Vanguard Short-Term Bond Fund XTMI 921937827 281 3,520 SH   SOLE   3,520 0 0
iShares Barclays US TIPS Fund XTMI 464287176 246 2,200 SH   SOLE   2,200 0 0