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 1,093 6,626 SH   SOLE   6,626 0 0
AFLAC Inc. COM 001055102 340 5,315 SH   SOLE   5,315 0 0
AT&T, Inc. COM 00206r102 1,650 50,532 SH   SOLE   50,532 0 0
AbbVie Inc. COM 00287y109 5,223 89,226 SH   SOLE   88,926 0 300
Abbott Laboratories COM 002824100 5,635 121,631 SH   SOLE   121,231 0 400
Actavis PLC COM G0083B108 8,842 29,710 SH   SOLE   29,568 0 142
Affiliated Managers Group, Inc COM 008252108 5,482 25,525 SH   SOLE   25,400 0 125
Air Products & Chemicals Inc COM 009158106 4,382 28,964 SH   SOLE   28,714 0 250
AmTrust Financial Services COM 032359309 6,935 121,700 SH   SOLE   121,250 0 450
AmerisourceBergen Corp. COM 03073e105 2,581 22,710 SH   SOLE   22,610 0 100
Anadarko Petroleum Corp. COM 032511107 268 3,236 SH   SOLE   3,036 0 200
Annaly Mortgage Management, In COM 035710409 1,213 116,590 SH   SOLE   116,590 0 0
Apple Computer COM 037833100 7,618 61,220 SH   SOLE   60,890 0 330
AstraZeneca PLC Spon ADR COM 046353108 226 3,300 SH   SOLE   3,300 0 0
Automatic Data Processing COM 053015103 921 10,754 SH   SOLE   10,754 0 0
B&G Foods, Inc. COM 05508R106 269 9,125 SH   SOLE   9,125 0 0
BCE Inc. COM 05534b760 4,043 95,453 SH   SOLE   95,153 0 300
Bank of America Corp. COM 060505104 1,206 78,393 SH   SOLE   78,393 0 0
Berkshire Hathaway Inc. Cl B COM 084670702 740 5,127 SH   SOLE   5,127 0 0
Biogen Idec Inc. COM 09062X103 353 837 SH   SOLE   837 0 0
Boeing Co. COM 097023105 5,709 38,038 SH   SOLE   37,865 0 173
Brinker International Inc. COM 109641100 6,162 100,105 SH   SOLE   99,655 0 450
Bristol-Myers Squibb COM 110122108 438 6,793 SH   SOLE   6,793 0 0
Buckeye Partners L P Unit Ltd COM 118230101 673 8,905 SH   SOLE   8,905 0 0
CVS Health Corp. COM 126650100 5,092 49,334 SH   SOLE   48,909 0 425
CYS Investments Inc COM 12673a108 569 63,900 SH   SOLE   63,900 0 0
Cadence Design Systems, Inc. COM 127387108 494 26,800 SH   SOLE   26,800 0 0
Capstead Mortgage Corp. COM 14067E506 667 56,650 SH   SOLE   56,650 0 0
Celgene Corp. COM 151020104 536 4,650 SH   SOLE   4,650 0 0
Cerner Corporation COM 156782104 699 9,535 SH   SOLE   9,535 0 0
Check Point Software COM M22465104 5,829 71,115 SH   SOLE   70,705 0 410
ChevronTexaco Corporation COM 166764100 6,155 58,629 SH   SOLE   58,464 0 165
Citizens & Northern Corp. COM 172922106 391 19,400 SH   SOLE   19,400 0 0
Coca-Cola Co. COM 191216100 765 18,876 SH   SOLE   18,876 0 0
Community Bank System Inc COM 203607106 1,025 28,967 SH   SOLE   28,967 0 0
ConocoPhillips COM 20825C104 1,692 27,181 SH   SOLE   26,956 0 225
Costco Wholesale COM 22160k105 353 2,329 SH   SOLE   2,329 0 0
Diageo PLC Spon ADR COM 25243q205 574 5,191 SH   SOLE   5,191 0 0
Discover Financial Services COM 254709108 4,647 82,464 SH   SOLE   82,064 0 400
Disney, Walt COM 254687106 531 5,065 SH   SOLE   5,065 0 0
Donaldson Co. Inc. COM 257651109 262 6,940 SH   SOLE   6,940 0 0
Dow Chemical Company COM 260543103 2,538 52,896 SH   SOLE   52,896 0 0
Du Pont, E. I. COM 263534109 631 8,828 SH   SOLE   8,828 0 0
Emerson Electric Co COM 291011104 420 7,415 SH   SOLE   7,415 0 0
Enbridge Energy Partners, L.P. COM 29250r106 2,173 60,342 SH   SOLE   60,342 0 0
Energy Transfer Partners, L.P. COM 29273R109 3,268 58,612 SH   SOLE   58,512 0 100
Energy XXI (Bermuda) Ltd. COM G10082140 228 62,500 SH   SOLE   62,500 0 0
Enterprise Products Partners L COM 293792107 403 12,232 SH   SOLE   12,232 0 0
Enzo Biochem, Inc. COM 294100102 41 14,000 SH   SOLE   14,000 0 0
Exxon Mobil Corp. COM 30231G102 6,459 75,984 SH   SOLE   75,984 0 0
Fifth Third Bancorp COM 316773100 4,696 249,102 SH   SOLE   248,202 0 900
General Electric Company COM 369604103 7,800 314,404 SH   SOLE   313,804 0 600
Google, Inc. Cl C COM 38259P706 3,528 6,438 SH   SOLE   6,405 0 33
Grainger, W. W. COM 384802104 4,678 19,837 SH   SOLE   19,737 0 100
Halliburton Company COM 406216101 1,879 42,823 SH   SOLE   42,648 0 175
Health Care REIT, Inc. COM 42217K106 1,334 17,238 SH   SOLE   17,238 0 0
Henry Jack & Associates Inc. COM 426281101 217 3,100 SH   SOLE   3,100 0 0
Home Depot Inc. COM 437076102 321 2,823 SH   SOLE   2,823 0 0
Honeywell International COM 438516106 275 2,641 SH   SOLE   2,641 0 0
HouseRaising, Inc. COM 44183w106 0 10,000 SH   SOLE   10,000 0 0
Illinois Tool Works COM 452308109 400 4,116 SH   SOLE   4,116 0 0
Intel Corporation COM 458140100 410 13,117 SH   SOLE   13,117 0 0
International Business Machine COM 459200101 447 2,785 SH   SOLE   2,785 0 0
Invesco Limited COM g491bt108 2,777 69,978 SH   SOLE   69,778 0 200
J.P. Morgan Chase COM 46625h100 687 11,338 SH   SOLE   11,338 0 0
Johnson & Johnson COM 478160104 9,442 93,861 SH   SOLE   93,461 0 400
Kelly Services Cl A COM 488152208 919 52,700 SH   SOLE   52,700 0 0
KeyCorp COM 493267108 4,151 293,167 SH   SOLE   292,417 0 750
Keysight Technologies, Inc. COM 49338L103 5,367 144,455 SH   SOLE   143,505 0 950
Kimberly-Clark Corp. COM 494368103 1,081 10,094 SH   SOLE   10,094 0 0
Liberty Property Trust COM 531172104 4,617 129,331 SH   SOLE   128,756 0 575
Lockheed Martin Corp COM 539830109 457 2,252 SH   SOLE   2,252 0 0
Magellan Midstream Partners, L COM 559080106 209 2,725 SH   SOLE   2,725 0 0
Mattel, Inc. COM 577081102 206 9,025 SH   SOLE   9,025 0 0
McDonald's Corp. COM 580135101 228 2,336 SH   SOLE   2,336 0 0
Merck & Co. COM 58933Y105 1,366 23,772 SH   SOLE   23,772 0 0
Microsoft Corp. COM 594918104 7,415 182,385 SH   SOLE   181,460 0 925
Nestle SA Spon ADR COM 641069406 6,329 84,140 SH   SOLE   83,791 0 349
NextEra Energy, Inc. COM 65339F101 277 2,659 SH   SOLE   2,659 0 0
Nordstrom, Inc. COM 655664100 5,855 72,900 SH   SOLE   72,450 0 450
Novartis AG Spon Adr COM 66987v109 211 2,135 SH   SOLE   2,135 0 0
Omnicom Group COM 681919106 5,176 66,370 SH   SOLE   66,120 0 250
PNC Financial Services Group, COM 693475105 6,751 72,406 SH   SOLE   72,231 0 175
PPL Corporation COM 69351T106 4,666 138,633 SH   SOLE   138,033 0 600
Pardee Resources Company, Inc. COM 699437109 1,126 4,750 SH   SOLE   4,750 0 0
PepsiCo Inc. COM 713448108 6,652 69,565 SH   SOLE   69,265 0 300
Pfizer, Inc. COM 717081103 1,335 38,366 SH   SOLE   38,366 0 0
Plains All Amer Pipeline LP COM 726503105 5,069 103,944 SH   SOLE   103,644 0 300
Praxair Inc. COM 74005P104 205 1,697 SH   SOLE   1,697 0 0
Procter & Gamble COM 742718109 2,575 31,431 SH   SOLE   31,431 0 0
Qualcomm Inc. COM 747525103 3,810 54,940 SH   SOLE   54,615 0 325
Raytheon Company COM 755111507 264 2,421 SH   SOLE   2,421 0 0
Regions Financial Corporation COM 7591ep100 792 83,828 SH   SOLE   83,828 0 0
Roper Technologies COM 776696106 2,399 13,945 SH   SOLE   13,945 0 0
Royal Dutch Shell PLC Spons AD COM 780259206 202 3,384 SH   SOLE   3,384 0 0
Schlumberger Ltd COM 806857108 782 9,376 SH   SOLE   9,376 0 0
Sherwin Williams COM 824348106 504 1,773 SH   SOLE   1,773 0 0
Southern Company COM 842587107 323 7,293 SH   SOLE   7,293 0 0
Stryker Corporation COM 863667101 355 3,850 SH   SOLE   3,850 0 0
Sun Communities Inc. COM 866674104 1,951 29,235 SH   SOLE   29,235 0 0
SunTrust Banks COM 867914103 2,877 70,009 SH   SOLE   69,809 0 200
Sysco Corp. COM 871829107 287 7,606 SH   SOLE   7,606 0 0
TJX Companies Inc. COM 872540109 7,579 108,199 SH   SOLE   107,599 0 600
Terra Nitrogen Company, LP COM 881005201 1,359 9,325 SH   SOLE   9,325 0 0
The Fresh Market Inc. COM 35804H106 2,814 69,250 SH   SOLE   69,050 0 200
Total System Services, Inc. COM 891906109 244 6,400 SH   SOLE   6,400 0 0
Union Pacific Corp. COM 907818108 1,837 16,962 SH   SOLE   16,962 0 0
United Parcel Service, Inc. Cl COM 911312106 4,098 42,273 SH   SOLE   42,198 0 75
United Technologies COM 913017109 7,063 60,262 SH   SOLE   59,987 0 275
VIVUS, Inc. COM 928551100 60 24,500 SH   SOLE   24,500 0 0
Verizon Communications COM 92343v104 3,545 72,899 SH   SOLE   72,824 0 75
Weatherford Int'l plc COM G48833100 731 59,400 SH   SOLE   59,400 0 0
Whiting Petroleum Corp. COM 966387102 1,248 40,375 SH   SOLE   40,175 0 200
Wisconsin Energy Corp. COM 976657106 347 7,000 SH   SOLE   7,000 0 0
AllianzGI NFJ Dividend Int & P XTMF 01883A107 190 11,613 SH   SOLE   1,613 0 0
iShares Nasdaq Biotechnology I XTMF 464287556 1,716 4,998 SH   SOLE   4,813 0 185
iShares Russell 1000 Value Ind XTMF 464287598 412 4,000 SH   SOLE   4,000 0 0
iShares Russell 2000 Index Fun XTMF 464287655 366 2,939 SH   SOLE   2,939 0 0
iShares Russell 2000 Value Ind XTMF 464287630 6,176 59,844 SH   SOLE   9,804 0 40
iShares Russell Midcap Index F XTMF 464287499 350 2,020 SH   SOLE   2,020 0 0
iShares S&P 500 Index Fund XTMF 464287200 312 1,500 SH   SOLE   1,500 0 0
iShares S&P SmallCap 600 Index XTMF 464287804 438 3,715 SH   SOLE   3,115 0 600
Vanguard Emerging Markets XTIF 922042858 293 7,181 SH   SOLE   7,181 0 0
iShares MSCI EAFE Index Fund XTIF 464287465 486 7,578 SH   SOLE   6,678 0 900
SPDR Gold Trust XTAL 78463v107 315 2,775 SH   SOLE   2,775 0 0
Vanguard Short-Term Bond Fund XTMI 921937827 1,193 14,815 SH   SOLE   4,815 0 0
iShares Barclays US TIPS Fund XTMI 464287176 233 2,050 SH   SOLE   2,050 0 0