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 1,595 8,934 SH   SOLE   8,934 0 0
AFLAC Inc. COM 001055102 313 4,501 SH   SOLE   4,501 0 0
AT&T, Inc. COM 00206r102 2,225 52,311 SH   SOLE   51,261 0 1,050
Abbott Laboratories COM 002824100 6,209 161,653 SH   SOLE   160,103 0 1,550
Affiliated Managers Group, Inc COM 008252108 517 3,555 SH   SOLE   3,555 0 0
Air Products & Chemicals Inc COM 009158106 5,653 39,305 SH   SOLE   39,055 0 250
Allergan PLC SHS G0177J108 4,844 23,064 SH   SOLE   22,849 0 215
Alphabet Inc. Cl C CAP STK CL C 02079K107 9,360 12,127 SH   SOLE   12,061 0 66
AmTrust Financial Services COM 032359309 6,459 235,906 SH   SOLE   233,931 0 1,975
Amazon.com Inc. COM 023135106 367 489 SH   SOLE   479 0 10
AmerisourceBergen Corp. COM 03073e105 3,651 46,700 SH   SOLE   46,325 0 375
Apple Computer COM 037833100 7,708 66,550 SH   SOLE   66,220 0 330
Automatic Data Processing COM 053015103 1,083 10,534 SH   SOLE   10,534 0 0
B&G Foods, Inc. COM 05508R106 470 10,734 SH   SOLE   10,734 0 0
BCE Inc. COM NEW 05534b760 2,421 55,985 SH   SOLE   54,035 0 1,950
Bank of America Corp. COM 060505104 1,901 86,017 SH   SOLE   78,332 0 7,685
Berkshire Hathaway Inc. Cl A CL A 084670108 732 3 SH   SOLE   3 0 0
Berkshire Hathaway Inc. Cl B CL B NEW 084670702 796 4,883 SH   SOLE   4,883 0 0
Biogen Idec Inc. COM 09062X103 252 889 SH   SOLE   869 0 20
Boeing Co. COM 097023105 321 2,063 SH   SOLE   1,988 0 75
Bristol-Myers Squibb COM 110122108 468 8,013 SH   SOLE   8,013 0 0
Buckeye Partners L P Unit Ltd UNIT LTD PARTN 118230101 803 12,130 SH   SOLE   12,130 0 0
CF Industries Holdings, Inc. COM 125269100 9,110 289,380 SH   SOLE   286,055 0 3,325
CVS Health Corp. COM 126650100 6,759 85,650 SH   SOLE   84,650 0 1,000
CYS Investments Inc COM 12673a108 468 60,600 SH   SOLE   50,600 0 10,000
Cabot Corporation COM 127055101 202 4,000 SH   SOLE   4,000 0 0
Capstead Mortgage Corp. COM NO PAR 14067E506 486 47,675 SH   SOLE   42,675 0 5,000
Celgene Corp. COM 151020104 802 6,925 SH   SOLE   6,925 0 0
Cerner Corporation COM 156782104 699 14,750 SH   SOLE   14,650 0 100
Check Point Software ORD M22465104 7,089 83,933 SH   SOLE   83,383 0 550
ChevronTexaco Corporation COM 166764100 6,853 58,228 SH   SOLE   57,328 0 900
Chipotle Mexican Grill, Inc. COM 169656105 4,666 12,366 SH   SOLE   12,191 0 175
Cisco Systems Inc. COM 17275r102 363 11,996 SH   SOLE   11,346 0 650
Citizens & Northern Corp. COM 172922106 367 14,025 SH   SOLE   12,025 0 2,000
Coca-Cola Co. COM 191216100 791 19,079 SH   SOLE   18,779 0 300
Community Bank System Inc COM 203607106 1,798 29,092 SH   SOLE   27,792 0 1,300
ConocoPhillips COM 20825C104 292 5,824 SH   SOLE   5,524 0 300
Costco Wholesale COM 22160k105 8,440 52,711 SH   SOLE   52,311 0 400
Danaher Corp COM 235851102 365 4,690 SH   SOLE   4,090 0 600
Deere & Co. COM 244199105 5,590 54,250 SH   SOLE   53,915 0 335
Diageo PLC Spon ADR SPON ADR NEW 25243q205 581 5,592 SH   SOLE   5,417 0 175
Discover Financial Services COM 254709108 5,206 72,210 SH   SOLE   71,035 0 1,175
Disney, Walt COM DISNEY 254687106 587 5,629 SH   SOLE   5,629 0 0
Dollar Tree Stores Inc. COM 256746108 5,854 75,845 SH   SOLE   75,320 0 525
Dow Chemical Company COM 260543103 4,899 85,622 SH   SOLE   85,422 0 200
Du Pont, E. I. COM 263534109 535 7,284 SH   SOLE   7,284 0 0
Emerson Electric Co COM 291011104 357 6,400 SH   SOLE   5,475 0 925
Enbridge Energy Partners, L.P. COM 29250r106 760 29,833 SH   SOLE   28,333 0 1,500
Energy Transfer Partners, L.P. UNIT LTD PARTN 29273R109 1,966 54,912 SH   SOLE   52,912 0 2,000
Enterprise Products Partners L COM 293792107 363 13,428 SH   SOLE   13,428 0 0
Enzo Biochem, Inc. COM 294100102 97 14,000 SH   SOLE   14,000 0 0
Exxon Mobil Corp. COM 30231G102 6,200 68,691 SH   SOLE   68,491 0 200
Fifth Third Bancorp COM 316773100 6,705 248,607 SH   SOLE   247,057 0 1,550
Ford Motor Co. COM PAR $0.01 345370860 180 14,806 SH   SOLE   14,806 0 0
General Electric Company COM 369604103 10,360 327,833 SH   SOLE   322,533 0 5,300
Henry Jack & Associates Inc. COM 426281101 275 3,100 SH   SOLE   3,100 0 0
Home Depot Inc. COM 437076102 796 5,936 SH   SOLE   5,936 0 0
Honeywell International COM 438516106 319 2,754 SH   SOLE   2,754 0 0
HouseRaising, Inc. COM 44183w106 0 10,000 SH   SOLE   10,000 0 0
Illinois Tool Works COM 452308109 375 3,066 SH   SOLE   3,066 0 0
Intel Corporation COM 458140100 753 20,769 SH   SOLE   20,769 0 0
International Business Machine COM 459200101 745 4,491 SH   SOLE   4,491 0 0
Invesco Limited SHS g491bt108 621 20,470 SH   SOLE   20,470 0 0
J.P. Morgan Chase COM 46625h100 1,158 13,424 SH   SOLE   12,824 0 600
Johnson & Johnson COM 478160104 10,698 92,858 SH   SOLE   91,058 0 1,800
Kelly Services Cl A CL A 488152208 1,208 52,700 SH   SOLE   52,700 0 0
KeyCorp COM 493267108 3,036 166,167 SH   SOLE   163,167 0 3,000
Kimberly-Clark Corp. COM 494368103 1,211 10,611 SH   SOLE   10,311 0 300
Liberty Property Trust SH BEN INT 531172104 2,749 69,600 SH   SOLE   67,450 0 2,150
Lilly, Eli COM 532457108 6,562 89,216 SH   SOLE   88,666 0 550
Lockheed Martin Corp COM 539830109 784 3,137 SH   SOLE   3,062 0 75
Magellan Midstream Partners, L COM UNIT RP LP 559080106 265 3,500 SH   SOLE   3,500 0 0
MasterCard, Inc. CL A 57636Q104 5,304 51,373 SH   SOLE   50,998 0 375
Merck & Co. COM 58933Y105 1,541 26,182 SH   SOLE   25,482 0 700
Microsoft Corp. COM 594918104 11,285 181,600 SH   SOLE   177,875 0 3,725
Nestle SA Spon ADR COM 641069406 5,712 79,626 SH   SOLE   78,701 0 925
NextEra Energy, Inc. COM 65339F101 358 2,997 SH   SOLE   2,997 0 0
Occidental Petroleum COM 674599105 4,318 60,617 SH   SOLE   60,192 0 425
PNC Financial Services Group, COM 693475105 9,036 77,255 SH   SOLE   76,280 0 975
PPL Corporation COM 69351T106 4,862 142,792 SH   SOLE   138,492 0 4,300
Pardee Resources Company, Inc. COM 699437109 794 4,700 SH   SOLE   4,000 0 700
PepsiCo Inc. COM 713448108 7,403 70,753 SH   SOLE   70,128 0 625
Pfizer, Inc. COM 717081103 1,598 49,194 SH   SOLE   46,694 0 2,500
Plains All Amer Pipeline LP UNIT LTD PARTN 726503105 2,631 81,481 SH   SOLE   80,981 0 500
Procter & Gamble COM 742718109 2,685 31,932 SH   SOLE   30,632 0 1,300
Qualcomm Inc. COM 747525103 5,370 82,367 SH   SOLE   81,767 0 600
Quintiles Transnational Holdin COM 74876Y101 250 3,290 SH   SOLE   3,290 0 0
Raytheon Company COM NEW 755111507 301 2,117 SH   SOLE   2,117 0 0
Roper Technologies COM 776696106 6,577 35,925 SH   SOLE   35,685 0 240
S&P Global Inc COM 78409V104 401 3,727 SH   SOLE   3,727 0 0
Schlumberger Ltd COM 806857108 4,855 57,837 SH   SOLE   57,612 0 225
Sherwin Williams COM 824348106 386 1,438 SH   SOLE   1,438 0 0
Southern Company COM 842587107 365 7,419 SH   SOLE   6,794 0 625
Starbucks Corporation COM 855244109 342 6,165 SH   SOLE   6,165 0 0
Stryker Corporation COM 863667101 362 3,023 SH   SOLE   3,023 0 0
Sun Communities Inc. COM 866674104 1,930 25,198 SH   SOLE   24,923 0 275
SunTrust Banks COM 867914103 6,474 118,022 SH   SOLE   117,182 0 840
Sysco Corp. COM 871829107 419 7,571 SH   SOLE   7,571 0 0
TJX Companies Inc. COM 872540109 7,283 96,938 SH   SOLE   96,638 0 300
Terra Nitrogen Company, LP COM UNIT 881005201 841 8,185 SH   SOLE   7,785 0 400
Thermo Fisher Scientific, Inc. COM 883556102 238 1,684 SH   SOLE   1,684 0 0
Total System Services, Inc. COM 891906109 252 5,140 SH   SOLE   5,140 0 0
U.S. Rare Earth Minerals Inc. COM 903410207 0 25,000 SH   SOLE   25,000 0 0
Union Pacific Corp. COM 907818108 1,438 13,867 SH   SOLE   13,867 0 0
United Technologies COM 913017109 5,618 51,249 SH   SOLE   50,924 0 325
VIVUS, Inc. COM 928551100 28 24,500 SH   SOLE   24,500 0 0
Verizon Communications COM 92343v104 5,704 106,857 SH   SOLE   105,316 0 1,541
Versum Materials Inc COM 92532w103 457 16,267 SH   SOLE   16,143 0 124
Vulcan Materials Co. COM 929160109 257 2,050 SH   SOLE   2,050 0 0
WP Carey Inc COM 92936U109 1,740 29,445 SH   SOLE   28,845 0 600
Walgreens Boots Alliance, Inc. COM 931427108 243 2,935 SH   SOLE   2,935 0 0
Waste Management Inc. COM 94106L109 636 8,975 SH   SOLE   8,975 0 0
Wells Fargo COM 949746101 235 4,256 SH   SOLE   4,006 0 250
Welltower Inc. COM 95040Q104 1,021 15,255 SH   SOLE   14,405 0 850
Wisconsin Energy Corp. COM 92939U106 411 7,000 SH   SOLE   7,000 0 0
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 1,113 8,095 SH   SOLE   8,095 0 0
iShares Russell 1000 Value Ind RUS 1000 VAL ETF 464287598 490 4,375 SH   SOLE   4,244 0 131
iShares Russell 2000 Index Fun RUSSELL 2000 ETF 464287655 461 3,415 SH   SOLE   3,415 0 0
iShares Russell 2000 Value Ind RUS 2000 VAL ETF 464287630 12,122 101,915 SH   SOLE   101,460 0 455
iShares Russell Midcap Index F RUS MID-CAP ETF 464287499 383 2,142 SH   SOLE   2,142 0 0
Vanguard Emerging Markets FTSE EMR MKT ETF 922042858 221 6,179 SH   SOLE   6,179 0 0
iShares MSCI EAFE Index Fund MSCI EAFE ETF 464287465 759 13,153 SH   SOLE   13,153 0 0
SPDR Gold Trust GOLD SHS 78463v107 421 3,840 SH   SOLE   3,840 0 0
Vanguard Short-Term Bond Fund SHORT TRM BOND 921937827 646 8,130 SH   SOLE   8,130 0 0
iShares Barclays US TIPS Fund TIPS BD ETF 464287176 239 2,115 SH   SOLE   2,115 0 0