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 Company COMMON STOCK 88579y101 432 3,079 SH   SOLE   3,079 0 0
A T & T Inc new COMMON STOCK 00206r102 235 6,675 SH   SOLE   6,525 0 150
Abbott Labs COMMON STOCK 002824100 517 13,486 SH   SOLE   13,486 0 0
AbbVie Inc. COMMON STOCK 00287Y109 725 13,732 SH   SOLE   13,732 0 0
ADT Corp COMMON STOCK 00101J106 1,295 32,000 SH   SOLE   31,225 0 775
AFLAC Inc. COMMON STOCK 001055102 206 3,078 SH   SOLE   3,078 0 0
Altria Group Inc COMMON STOCK 02209S103 801 20,866 SH   SOLE   20,866 0 0
Apple Inc. COMMON STOCK 037833100 2,341 4,173 SH   SOLE   4,053 0 120
Aqua America Inc COMMON STOCK 03836W103 232 9,825 SH   SOLE   9,825 0 0
Archer Daniels Midland COMMON STOCK 039483102 671 15,455 SH   SOLE   14,905 0 550
Bank Of Montreal COMMON STOCK 063671101 706 10,597 SH   SOLE   10,247 0 350
Barrick Gold Corp COMMON STOCK 067901108 1,198 67,967 SH   SOLE   66,517 0 1,450
Baxter International Inc COMMON STOCK 071813109 1,265 18,187 SH   SOLE   17,812 0 375
Berkshire Hathaway Cl B COMMON STOCK 084670702 246 2,075 SH   SOLE   1,988 0 87
Bristol Myers Squibb Company COMMON STOCK 110122108 683 12,849 SH   SOLE   12,849 0 0
Canadian Natl Railway Co COMMON STOCK 136375102 268 4,700 SH   SOLE   4,700 0 0
Capital One Finl Corp COMMON STOCK 14040H105 2,077 27,115 SH   SOLE   26,500 0 615
Chevron Corp COMMON STOCK 166764100 1,752 14,026 SH   SOLE   14,011 0 15
Cimarex Energy Co COMMON STOCK 171798101 2,401 22,886 SH   SOLE   22,236 0 650
Cntrl Fund of Canada Ltd COMMON STOCK 153501101 1,307 98,628 SH   SOLE   95,528 0 3,100
Coca Cola Co COMMON STOCK 191216100 618 14,954 SH   SOLE   14,929 0 25
ConocoPhillips COMMON STOCK 20825c104 418 5,920 SH   SOLE   5,920 0 0
Covidien Ltd COMMON STOCK G2554F113 1,369 20,108 SH   SOLE   19,412 0 696
CVS/Caremark Corp COMMON STOCK 126650100 1,987 27,761 SH   SOLE   27,361 0 400
Deere & Co COMMON STOCK 244199105 334 3,657 SH   SOLE   3,657 0 0
Diageo PLC New Spons ADR COMMON STOCK 25243q205 2,173 16,408 SH   SOLE   15,998 0 410
EMC Corp COMMON STOCK 268648102 762 30,285 SH   SOLE   28,635 0 1,650
Equifax Inc COMMON STOCK 294429105 1,057 15,300 SH   SOLE   14,950 0 350
Exxon Mobil Corp COMMON STOCK 30231G102 3,239 32,007 SH   SOLE   31,036 0 971
FedEx Corporation COMMON STOCK 31428x106 738 5,136 SH   SOLE   5,061 0 75
Ford Motor Co COMMON STOCK 345370860 856 55,470 SH   SOLE   54,170 0 1,300
General Electric Co COMMON STOCK 369604103 3,128 111,601 SH   SOLE   107,626 0 3,975
Genworth Finl Inc Com CL A COMMON STOCK 37247D106 1,391 89,565 SH   SOLE   87,000 0 2,565
Google Inc CL A COMMON STOCK 38259P508 1,148 1,024 SH   SOLE   958 0 66
Halliburton Company COMMON STOCK 406216101 218 4,288 SH   SOLE   4,288 0 0
Home Depot Inc COMMON STOCK 437076102 912 11,078 SH   SOLE   10,803 0 275
HSBC Holdings PLC Spon ADR New COMMON STOCK 404280406 1,545 28,023 SH   SOLE   27,248 0 775
Humana Inc COMMON STOCK 444859102 1,581 15,320 SH   SOLE   14,920 0 400
Huntsman Corp Com COMMON STOCK 447011107 409 16,615 SH   SOLE   16,615 0 0
Ing Prime Rate Trust Sh Ben In COMMON STOCK 44977w106 260 44,590 SH   SOLE   44,590 0 0
Intel Corp COMMON STOCK 458140100 638 24,570 SH   SOLE   24,570 0 0
International Business Machine COMMON STOCK 459200101 1,910 10,185 SH   SOLE   9,955 0 230
Invesco Limited COMMON STOCK G491BT108 260 7,155 SH   SOLE   7,155 0 0
iShares Barclays 1-3 Yr Treas COMMON STOCK 464287457 15,748 186,637 SH   SOLE   181,637 0 5,000
iShares Barclays Tips Bond Ind COMMON STOCK 464287176 2,387 21,718 SH   SOLE   20,864 0 854
iShares MSCI ACWI Index COMMON STOCK 464288257 2,697 46,810 SH   SOLE   46,806 0 4
iShares MSCI EAFE Index Fd COMMON STOCK 464287465 1,723 25,679 SH   SOLE   25,379 0 300
iShares MSCI Emerging Mkts Ind COMMON STOCK 464287234 1,977 47,293 SH   SOLE   45,318 0 1,975
iShares Russell 3000 Value COMMON STOCK 464287663 1,924 15,590 SH   SOLE   15,590 0 0
iShares Russell Midcap Value I COMMON STOCK 464287473 534 8,125 SH   SOLE   8,125 0 0
iShares Select Dividend ETF COMMON STOCK 464287168 3,933 55,125 SH   SOLE   55,125 0 0
J P Morgan Chase & Co COMMON STOCK 46625H100 1,877 32,094 SH   SOLE   31,102 0 992
Lazard LTD COMMON STOCK G54050102 1,102 24,311 SH   SOLE   23,786 0 525
Lockheed Martin Corp COMMON STOCK 539830109 455 3,062 SH   SOLE   3,062 0 0
Lowes Cos Inc COMMON STOCK 548661107 224 4,515 SH   SOLE   4,515 0 0
MasterCard Inc COMMON STOCK 57636Q104 1,598 1,913 SH   SOLE   1,853 0 60
McDonalds Corp COMMON STOCK 580135101 2,521 25,986 SH   SOLE   25,446 0 540
Merck & Co COMMON STOCK 58933Y105 854 17,067 SH   SOLE   17,067 0 0
Microchip Technology Inc COMMON STOCK 595017104 799 17,855 SH   SOLE   17,530 0 325
Microsoft Corp COMMON STOCK 594918104 2,381 63,640 SH   SOLE   60,340 0 3,300
National Fuel Gas COMMON STOCK 636180101 1,805 25,278 SH   SOLE   24,953 0 325
NextEra Energy Inc COMMON STOCK 65339f101 2,572 30,034 SH   SOLE   29,359 0 675
Novartis AG ADS COMMON STOCK 66987v109 1,989 24,746 SH   SOLE   24,196 0 550
PepsiCo Inc COMMON STOCK 713448108 1,564 18,856 SH   SOLE   18,256 0 600
Pfizer COMMON STOCK 717081103 1,273 41,571 SH   SOLE   40,744 0 827
Philip Morris International COMMON STOCK 718172109 250 2,872 SH   SOLE   2,697 0 175
Phillips 66 COMMON STOCK 718546104 703 9,118 SH   SOLE   9,118 0 0
Praxair Inc COMMON STOCK 74005P104 568 4,371 SH   SOLE   4,171 0 200
Procter & Gamble Co COMMON STOCK 742718109 883 10,843 SH   SOLE   10,843 0 0
Proshares Short ETF 20+ Yr Tre COMMON STOCK 74347X849 10,412 316,572 SH   SOLE   307,845 0 8,727
Qualcomm Inc COMMON STOCK 747525103 1,430 19,253 SH   SOLE   18,653 0 600
Rayonier Inc COMMON STOCK 754907103 455 10,817 SH   SOLE   10,817 0 0
Redwood Trust Inc COMMON STOCK 758075402 1,114 57,487 SH   SOLE   56,212 0 1,275
Rockwell Collins COMMON STOCK 774341101 591 7,998 SH   SOLE   7,773 0 225
S & P Depository Receipts SPDR COMMON STOCK 78462f103 13,536 73,291 SH   SOLE   70,566 0 2,725
S&P Midcap 400 Dep Recpt COMMON STOCK 78467Y107 858 3,513 SH   SOLE   3,313 0 200
Schlumberger Ltd COMMON STOCK 806857108 1,094 12,141 SH   SOLE   11,511 0 630
Short S&P 500 Proshares ETF COMMON STOCK 74347R503 1,120 44,375 SH   SOLE   43,600 0 775
SPDR Dow Jones Global Real Est COMMON STOCK 78463X749 393 9,455 SH   SOLE   9,455 0 0
Spectra Energy Corp COMMON STOCK 847560109 230 6,450 SH   SOLE   6,450 0 0
Starwood Htls&Resort PC COMMON STOCK 85590a401 1,047 13,181 SH   SOLE   12,881 0 300
The Walt Disney Company COMMON STOCK 254687106 2,285 29,913 SH   SOLE   29,030 0 883
Time Warner Cable Inc COMMON STOCK 88732J207 951 7,021 SH   SOLE   6,851 0 170
Vang. Sht Term Bd. Fund COMMON STOCK 921937827 4,285 53,615 SH   SOLE   50,965 0 2,650
Vanguard High Div Yield ETF COMMON STOCK 921946406 1,051 16,858 SH   SOLE   16,858 0 0
Vectren Corp Indiana COMMON STOCK 92240G101 225 6,325 SH   SOLE   6,325 0 0
Verizon Communications COMMON STOCK 92343v104 358 7,283 SH   SOLE   7,063 0 220
Vodafone Group PLC COMMON STOCK 92857w209 2,642 67,202 SH   SOLE   65,437 0 1,765
W.W. Grainger Corp COMMON STOCK 384802104 799 3,129 SH   SOLE   3,063 0 66
Wal-Mart Stores COMMON STOCK 931142103 1,244 15,804 SH   SOLE   15,264 0 540
Wells Fargo & Co COMMON STOCK 949746101 2,030 44,716 SH   SOLE   43,440 0 1,276
Western Gas Partners LP COMMON STOCK 958254104 867 14,054 SH   SOLE   13,708 0 346
WisTr Emrg Mkt Lcl Debt Fd COMMON STOCK 97717X867 398 8,651 SH   SOLE   8,250 0 401