The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
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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 | COM | 88579Y101 | 555 | 2,879 | SH | DFND | 1 | 2,879 | 0 | 0 | |
| Abbott Labs | COM | 002824100 | 4,039 | 33,702 | SH | DFND | 1 | 33,702 | 0 | 0 | |
| Accenture PLC | SHS CLASS A | G1151C101 | 1,635 | 5,920 | SH | DFND | 1 | 5,920 | 0 | 0 | |
| Allstate Corp | COM | 020002101 | 1,590 | 13,835 | SH | DFND | 1 | 13,835 | 0 | 0 | |
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 6,787 | 3,281 | SH | DFND | 1 | 3,281 | 0 | 0 | |
| Altria Group Inc | COM | 02209S103 | 320 | 6,255 | SH | DFND | 1 | 6,255 | 0 | 0 | |
| Amazon Communications Inc | COM | 023135106 | 6,334 | 2,047 | SH | DFND | 1 | 2,047 | 0 | 0 | |
| American Tower REIT Inc | COM | 03027X100 | 2,773 | 11,600 | SH | DFND | 1 | 11,600 | 0 | 0 | |
| Analog Devices Inc | COM | 032654105 | 1,532 | 9,881 | SH | DFND | 1 | 9,881 | 0 | 0 | |
| Apple Computer Inc | COM | 037833100 | 8,939 | 73,181 | SH | DFND | 1 | 73,181 | 0 | 0 | |
| AT&T Inc | COM | 00206R102 | 714 | 23,596 | SH | DFND | 1 | 23,596 | 0 | 0 | |
| Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 255 | 1,000 | SH | DFND | 1 | 1,000 | 0 | 0 | |
| Blackrock, Inc. | COM | 09247X101 | 1,168 | 1,549 | SH | DFND | 1 | 1,549 | 0 | 0 | |
| Boeing Co | COM | 097023105 | 1,405 | 5,515 | SH | DFND | 1 | 5,515 | 0 | 0 | |
| Bristol Myers Squibb Co | COM | 110122108 | 1,659 | 26,279 | SH | DFND | 1 | 26,279 | 0 | 0 | |
| Caterpillar Inc | COM | 149123101 | 214 | 925 | SH | DFND | 1 | 925 | 0 | 0 | |
| Chevron Corp | COM | 166764100 | 1,993 | 19,017 | SH | DFND | 1 | 19,017 | 0 | 0 | |
| Chipotle Mexican Grill Inc Corp Common | COM | 169656105 | 1,647 | 1,159 | SH | DFND | 1 | 1,159 | 0 | 0 | |
| Cisco Systems Inc | COM | 17275R102 | 215 | 4,156 | SH | DFND | 1 | 4,156 | 0 | 0 | |
| Citigroup Inc Common New | COM NEW | 172967424 | 1,479 | 20,329 | SH | DFND | 1 | 20,329 | 0 | 0 | |
| Citizens & Northern Corp | COM | 172922106 | 6,523 | 274,323 | SH | DFND | 1 | 274,323 | 0 | 0 | |
| CME Group Inc | COM | 12572Q105 | 381 | 1,867 | SH | DFND | 1 | 1,867 | 0 | 0 | |
| Coca Cola Co | COM | 191216100 | 1,529 | 29,013 | SH | DFND | 1 | 29,013 | 0 | 0 | |
| Comcast Corp Class A | CL A | 20030N101 | 3,061 | 56,566 | SH | DFND | 1 | 56,566 | 0 | 0 | |
| Community Bank System, Inc | COM | 203607106 | 400 | 5,216 | SH | DFND | 1 | 5,216 | 0 | 0 | |
| Corning Inc | COM | 219350105 | 1,202 | 27,625 | SH | DFND | 1 | 27,625 | 0 | 0 | |
| Corteva Inc | COM | 22052L104 | 273 | 5,857 | SH | DFND | 1 | 5,857 | 0 | 0 | |
| Costco Wholesale Corp (New) | COM | 22160K105 | 2,350 | 6,666 | SH | DFND | 1 | 6,666 | 0 | 0 | |
| CVS Health Corporation | COM | 126650100 | 2,652 | 35,257 | SH | DFND | 1 | 35,257 | 0 | 0 | |
| Danaher Corp | COM | 235851102 | 350 | 1,554 | SH | DFND | 1 | 1,554 | 0 | 0 | |
| Deere & Co | COM | 244199105 | 3,675 | 9,823 | SH | DFND | 1 | 9,823 | 0 | 0 | |
| Disney Walt Co | COM | 254687106 | 1,469 | 7,961 | SH | DFND | 1 | 7,961 | 0 | 0 | |
| Dow, Inc | COM | 260557103 | 384 | 6,008 | SH | DFND | 1 | 6,008 | 0 | 0 | |
| DuPont de Nemours Inc | COM | 26614N102 | 1,449 | 18,747 | SH | DFND | 1 | 18,747 | 0 | 0 | |
| EBAY Inc | COM | 278642103 | 1,446 | 23,611 | SH | DFND | 1 | 23,611 | 0 | 0 | |
| Ecolab Inc. | COM | 278865100 | 1,260 | 5,887 | SH | DFND | 1 | 5,887 | 0 | 0 | |
| Eli Lilly & Co | COM | 532457108 | 2,154 | 11,529 | SH | DFND | 1 | 11,529 | 0 | 0 | |
| EOG Resources, Inc. | COM | 26875P101 | 992 | 13,671 | SH | DFND | 1 | 13,671 | 0 | 0 | |
| Exxon Mobil Corp | COM | 30231G102 | 2,001 | 35,845 | SH | DFND | 1 | 35,845 | 0 | 0 | |
| Facebook Inc Class A | CL A | 30303M102 | 4,025 | 13,665 | SH | DFND | 1 | 13,665 | 0 | 0 | |
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 16,153 | 587,593 | SH | DFND | 1 | 587,593 | 0 | 0 | |
| Fidelity Natl Information Common | COM | 31620M106 | 270 | 1,918 | SH | DFND | 1 | 1,918 | 0 | 0 | |
| Flexshares Morningstar Global Upstream Nat Res Index ETF | MORNSTAR UPSTR | 33939L407 | 14,985 | 414,078 | SH | DFND | 1 | 414,078 | 0 | 0 | |
| General Dynamics Corp | COM | 369550108 | 1,654 | 9,109 | SH | DFND | 1 | 9,109 | 0 | 0 | |
| Halliburton Co | COM | 406216101 | 553 | 25,766 | SH | DFND | 1 | 25,766 | 0 | 0 | |
| Home Depot Inc | COM | 437076102 | 1,721 | 5,637 | SH | DFND | 1 | 5,637 | 0 | 0 | |
| Honeywell Intl Inc | COM | 438516106 | 2,411 | 11,107 | SH | DFND | 1 | 11,107 | 0 | 0 | |
| Illinois Tool Works Inc | COM | 452308109 | 319 | 1,442 | SH | DFND | 1 | 1,442 | 0 | 0 | |
| Intel Corp | COM | 458140100 | 2,525 | 39,455 | SH | DFND | 1 | 39,455 | 0 | 0 | |
| Intercontinental Exchange Inc Common | COM | 45866F104 | 2,298 | 20,574 | SH | DFND | 1 | 20,574 | 0 | 0 | |
| International Business Machines | COM | 459200101 | 1,580 | 11,858 | SH | DFND | 1 | 11,858 | 0 | 0 | |
| iShares Barclays MBS Bond Fund ETF | MBS ETF | 464288588 | 1,749 | 16,129 | SH | DFND | 1 | 16,129 | 0 | 0 | |
| iShares Barclays TIPS Bond Fund | TIPS BD ETF | 464287176 | 219 | 1,747 | SH | DFND | 1 | 1,747 | 0 | 0 | |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 771 | 1,937 | SH | DFND | 1 | 1,937 | 0 | 0 | |
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | 464288513 | 607 | 6,967 | SH | DFND | 1 | 6,967 | 0 | 0 | |
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 14,379 | 132,063 | SH | DFND | 1 | 132,063 | 0 | 0 | |
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 478 | 3,153 | SH | DFND | 1 | 3,153 | 0 | 0 | |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 9,897 | 38,026 | SH | DFND | 1 | 38,026 | 0 | 0 | |
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 1,111 | 4,570 | SH | DFND | 1 | 4,570 | 0 | 0 | |
| Johnson & Johnson | COM | 478160104 | 2,568 | 15,627 | SH | DFND | 1 | 15,627 | 0 | 0 | |
| JPMorgan Chase & Co | COM | 46625H100 | 5,385 | 35,371 | SH | DFND | 1 | 35,371 | 0 | 0 | |
| Lauder (Estee) Cos Inc Class A | CL A | 518439104 | 2,637 | 9,067 | SH | DFND | 1 | 9,067 | 0 | 0 | |
| Marsh & McLennan Cos Inc | COM | 571748102 | 968 | 7,950 | SH | DFND | 1 | 7,950 | 0 | 0 | |
| Masco Corp | COM | 574599106 | 1,602 | 26,747 | SH | DFND | 1 | 26,747 | 0 | 0 | |
| Mastercard Inc Class A | CL A | 57636Q104 | 3,338 | 9,374 | SH | DFND | 1 | 9,374 | 0 | 0 | |
| McDonalds Corp | COM | 580135101 | 1,741 | 7,769 | SH | DFND | 1 | 7,769 | 0 | 0 | |
| Merck & Co Inc New | COM | 58933Y105 | 271 | 3,510 | SH | DFND | 1 | 3,510 | 0 | 0 | |
| Microchip Technology Inc | COM | 595017104 | 289 | 1,865 | SH | DFND | 1 | 1,865 | 0 | 0 | |
| Microsoft Corp | COM | 594918104 | 9,195 | 39,001 | SH | DFND | 1 | 39,001 | 0 | 0 | |
| Mondelez Intl Inc Class A | CL A | 609207105 | 2,484 | 42,437 | SH | DFND | 1 | 42,437 | 0 | 0 | |
| Nextera Energy Inc | COM | 65339F101 | 1,652 | 21,850 | SH | DFND | 1 | 21,850 | 0 | 0 | |
| Nike, Inc. Class B | CL B | 654106103 | 2,895 | 21,786 | SH | DFND | 1 | 21,786 | 0 | 0 | |
| Norfolk Southern Corp | COM | 655844108 | 2,314 | 8,617 | SH | DFND | 1 | 8,617 | 0 | 0 | |
| Nvidia Corp | COM | 67066G104 | 2,663 | 4,987 | SH | DFND | 1 | 4,987 | 0 | 0 | |
| Oracle Corp | COM | 68389X105 | 1,786 | 25,451 | SH | DFND | 1 | 25,451 | 0 | 0 | |
| Palo Alto Networks Inc Common | COM | 697435105 | 1,270 | 3,942 | SH | DFND | 1 | 3,942 | 0 | 0 | |
| Pepsico Inc | COM | 713448108 | 637 | 4,503 | SH | DFND | 1 | 4,503 | 0 | 0 | |
| Pfizer Inc | COM | 717081103 | 1,694 | 46,745 | SH | DFND | 1 | 46,745 | 0 | 0 | |
| Philip Morris International Inc | COM | 718172109 | 339 | 3,823 | SH | DFND | 1 | 3,823 | 0 | 0 | |
| Procter & Gamble Co | COM | 742718109 | 2,842 | 20,985 | SH | DFND | 1 | 20,985 | 0 | 0 | |
| Rockwell Automation Inc Common | COM | 773903109 | 255 | 960 | SH | DFND | 1 | 960 | 0 | 0 | |
| Roper Industries Inc New | COM | 776696106 | 450 | 1,115 | SH | DFND | 1 | 1,115 | 0 | 0 | |
| Salesforce.Com | COM | 79466L302 | 2,344 | 11,064 | SH | DFND | 1 | 11,064 | 0 | 0 | |
| Schlumberger Ltd | COM | 806857108 | 489 | 18,000 | SH | DFND | 1 | 18,000 | 0 | 0 | |
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 840 | 2,543 | SH | DFND | 1 | 2,543 | 0 | 0 | |
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 1,426 | 3,597 | SH | DFND | 1 | 3,597 | 0 | 0 | |
| SYSCO Corp | COM | 871829107 | 276 | 3,507 | SH | DFND | 1 | 3,507 | 0 | 0 | |
| Target Corp | COM | 87612E106 | 308 | 1,557 | SH | DFND | 1 | 1,557 | 0 | 0 | |
| Tjx Companies (New) | COM | 872540109 | 1,483 | 22,413 | SH | DFND | 1 | 22,413 | 0 | 0 | |
| Truist Financial Corporation | COM | 89832Q109 | 2,366 | 40,568 | SH | DFND | 1 | 40,568 | 0 | 0 | |
| Union Pacific Corp | COM | 907818108 | 1,440 | 6,532 | SH | DFND | 1 | 6,532 | 0 | 0 | |
| Unitedhealth Group, Inc. | COM | 91324P102 | 366 | 985 | SH | DFND | 1 | 985 | 0 | 0 | |
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 597 | 4,058 | SH | DFND | 1 | 4,058 | 0 | 0 | |
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 28,012 | 112,045 | SH | DFND | 1 | 112,045 | 0 | 0 | |
| Vanguard Total International Bond Index Fund ETF | INTL BD IDX ETF | 92203J407 | 1,601 | 28,032 | SH | DFND | 1 | 28,032 | 0 | 0 | |
| Verizon Communications | COM | 92343V104 | 1,070 | 18,396 | SH | DFND | 1 | 18,396 | 0 | 0 | |
| W W Grainger Inc | COM | 384802104 | 1,718 | 4,285 | SH | DFND | 1 | 4,285 | 0 | 0 | |
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 2,557 | 15,974 | SH | DFND | 1 | 15,974 | 0 | 0 | |