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 | 492 | 3,190 | SH | DFND | 1 | 3,190 | 0 | 0 | |
| Abbott Labs | COM | 002824100 | 935 | 19,058 | SH | DFND | 1 | 19,058 | 0 | 0 | |
| Accenture PLC | SHS CLASS A | G1151C101 | 833 | 8,609 | SH | DFND | 1 | 8,609 | 0 | 0 | |
| Activision Blizzard Inc Common | COM | 00507V109 | 745 | 30,752 | SH | DFND | 1 | 30,752 | 0 | 0 | |
| Altera Corp | COM | 021441100 | 1,324 | 25,859 | SH | DFND | 1 | 25,859 | 0 | 0 | |
| Altria Group Inc | COM | 02209S103 | 376 | 7,696 | SH | DFND | 1 | 7,696 | 0 | 0 | |
| American Express Co | COM | 025816109 | 1,007 | 12,962 | SH | DFND | 1 | 12,962 | 0 | 0 | |
| American Tower REIT Inc | COM | 03027X100 | 886 | 9,493 | SH | DFND | 1 | 9,493 | 0 | 0 | |
| American Water Works Co Inc New | COM | 030420103 | 434 | 8,928 | SH | DFND | 1 | 8,928 | 0 | 0 | |
| Amgen Inc | COM | 031162100 | 1,258 | 8,194 | SH | DFND | 1 | 8,194 | 0 | 0 | |
| Apache Corp | COM | 037411105 | 796 | 13,810 | SH | DFND | 1 | 13,810 | 0 | 0 | |
| Apple Computer Inc | COM | 037833100 | 3,279 | 26,145 | SH | DFND | 1 | 26,145 | 0 | 0 | |
| AT&T Inc | COM | 00206R102 | 847 | 23,841 | SH | DFND | 1 | 23,841 | 0 | 0 | |
| Automatic Data Processing | COM | 053015103 | 730 | 9,102 | SH | DFND | 1 | 9,102 | 0 | 0 | |
| Baker Hughes Inc | COM | 057224107 | 738 | 11,960 | SH | DFND | 1 | 11,960 | 0 | 0 | |
| Bard C R Inc | COM | 067383109 | 1,974 | 11,567 | SH | DFND | 1 | 11,567 | 0 | 0 | |
| Baxter Intl Inc | COM | 071813109 | 1,396 | 19,960 | SH | DFND | 1 | 19,960 | 0 | 0 | |
| Blackrock, Inc. | COM | 09247X101 | 863 | 2,493 | SH | DFND | 1 | 2,493 | 0 | 0 | |
| Cardinal Health Inc | COM | 14149Y108 | 827 | 9,888 | SH | DFND | 1 | 9,888 | 0 | 0 | |
| Charles Schwab Corp | COM | 808513105 | 1,047 | 32,077 | SH | DFND | 1 | 32,077 | 0 | 0 | |
| CHEMUNG FINANCIAL CORP | COM | 164024101 | 356 | 13,441 | SH | DFND | 1 | 13,441 | 0 | 0 | |
| Chevron Corp | COM | 166764100 | 1,744 | 18,076 | SH | DFND | 1 | 18,076 | 0 | 0 | |
| Cisco Systems Inc | COM | 17275R102 | 980 | 35,681 | SH | DFND | 1 | 35,681 | 0 | 0 | |
| Citigroup Inc Common New | COM NEW | 172967424 | 1,964 | 35,551 | SH | DFND | 1 | 35,551 | 0 | 0 | |
| Citizens & Northern Corp | COM | 172922106 | 5,631 | 274,036 | SH | DFND | 1 | 274,036 | 0 | 0 | |
| CME Group Inc | COM | 12572Q105 | 978 | 10,505 | SH | DFND | 1 | 10,505 | 0 | 0 | |
| Coca Cola Co | COM | 191216100 | 209 | 5,329 | SH | DFND | 1 | 5,329 | 0 | 0 | |
| Colgate Palmolive Co | COM | 194162103 | 571 | 8,730 | SH | DFND | 1 | 8,730 | 0 | 0 | |
| Corning Inc | COM | 219350105 | 613 | 31,062 | SH | DFND | 1 | 31,062 | 0 | 0 | |
| Costco Wholesale Corp (New) | COM | 22160K105 | 899 | 6,654 | SH | DFND | 1 | 6,654 | 0 | 0 | |
| CVS Health Corporation | COM | 126650100 | 1,606 | 15,315 | SH | DFND | 1 | 15,315 | 0 | 0 | |
| Danaher Corp | COM | 235851102 | 2,556 | 29,863 | SH | DFND | 1 | 29,863 | 0 | 0 | |
| Darden Restaurants Inc | COM | 237194105 | 780 | 10,980 | SH | DFND | 1 | 10,980 | 0 | 0 | |
| Dicks Sporting Goods Inc | COM | 253393102 | 1,004 | 19,395 | SH | DFND | 1 | 19,395 | 0 | 0 | |
| Disney Walt Co | COM DISNEY | 254687106 | 1,936 | 16,960 | SH | DFND | 1 | 16,960 | 0 | 0 | |
| Dow Chemical Co | COM | 260543103 | 201 | 3,920 | SH | DFND | 1 | 3,920 | 0 | 0 | |
| E M C Corp Mass | COM | 268648102 | 1,317 | 49,912 | SH | DFND | 1 | 49,912 | 0 | 0 | |
| Eaton Corp | SHS | G29183103 | 1,700 | 25,196 | SH | DFND | 1 | 25,196 | 0 | 0 | |
| Ecolab Inc. | COM | 278865100 | 645 | 5,705 | SH | DFND | 1 | 5,705 | 0 | 0 | |
| Exelon Corp | COM | 30161N101 | 518 | 16,497 | SH | DFND | 1 | 16,497 | 0 | 0 | |
| Expeditors Intl Wash Inc | COM | 302130109 | 541 | 11,726 | SH | DFND | 1 | 11,726 | 0 | 0 | |
| Express Scripts Holding Co. | COM | 30219G108 | 1,684 | 18,932 | SH | DFND | 1 | 18,932 | 0 | 0 | |
| Exxon Mobil Corp | COM | 30231G102 | 2,601 | 31,258 | SH | DFND | 1 | 31,258 | 0 | 0 | |
| Fifth Third Bancorp | COM | 316773100 | 601 | 28,880 | SH | DFND | 1 | 28,880 | 0 | 0 | |
| FNB Corporation | COM | 302520101 | 1,482 | 103,474 | SH | DFND | 1 | 103,474 | 0 | 0 | |
| Franklin Resources Inc | COM | 354613101 | 771 | 15,725 | SH | DFND | 1 | 15,725 | 0 | 0 | |
| Frontier Communications Corp | COM | 35906A108 | 74 | 14,932 | SH | DFND | 1 | 14,932 | 0 | 0 | |
| General Dynamics Corp | COM | 369550108 | 736 | 5,195 | SH | DFND | 1 | 5,195 | 0 | 0 | |
| General Elec Co | COM | 369604103 | 2,007 | 75,529 | SH | DFND | 1 | 75,529 | 0 | 0 | |
| Gilead Sciences Inc | COM | 375558103 | 923 | 7,880 | SH | DFND | 1 | 7,880 | 0 | 0 | |
| Google Inc Class C | C | 38259P706 | 2,060 | 3,957 | SH | DFND | 1 | 3,957 | 0 | 0 | |
| Home Depot Inc | COM | 437076102 | 2,034 | 18,299 | SH | DFND | 1 | 18,299 | 0 | 0 | |
| Intel Corp | COM | 458140100 | 816 | 26,828 | SH | DFND | 1 | 26,828 | 0 | 0 | |
| Intercontinental Exchange Inc Common | COM | 45866F104 | 872 | 3,898 | SH | DFND | 1 | 3,898 | 0 | 0 | |
| International Business Machines | COM | 459200101 | 782 | 4,809 | SH | DFND | 1 | 4,809 | 0 | 0 | |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 544 | 2,625 | SH | DFND | 1 | 2,625 | 0 | 0 | |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 10,354 | 69,037 | SH | DFND | 1 | 69,037 | 0 | 0 | |
| Johnson & Johnson | COM | 478160104 | 1,320 | 13,540 | SH | DFND | 1 | 13,540 | 0 | 0 | |
| JPMorgan Chase & Co | COM | 46625H100 | 3,100 | 45,753 | SH | DFND | 1 | 45,753 | 0 | 0 | |
| Kohls Corp | COM | 500255104 | 697 | 11,130 | SH | DFND | 1 | 11,130 | 0 | 0 | |
| M & T Bank Corp | COM | 55261F104 | 352 | 2,818 | SH | DFND | 1 | 2,818 | 0 | 0 | |
| McDonalds Corp | COM | 580135101 | 1,579 | 16,606 | SH | DFND | 1 | 16,606 | 0 | 0 | |
| Medtronic PLC | SHS | G5960L103 | 661 | 8,924 | SH | DFND | 1 | 8,924 | 0 | 0 | |
| Merck & Co Inc New | COM | 58933Y105 | 1,619 | 28,445 | SH | DFND | 1 | 28,445 | 0 | 0 | |
| Metlife Inc | COM | 59156R108 | 1,403 | 25,051 | SH | DFND | 1 | 25,051 | 0 | 0 | |
| Microchip Technology Inc | COM | 595017104 | 662 | 13,969 | SH | DFND | 1 | 13,969 | 0 | 0 | |
| Microsoft Corp | COM | 594918104 | 1,220 | 27,635 | SH | DFND | 1 | 27,635 | 0 | 0 | |
| Mondelez Intl Inc Class A | CL A | 609207105 | 1,357 | 32,989 | SH | DFND | 1 | 32,989 | 0 | 0 | |
| National Oilwell Varco, Inc | COM | 637071101 | 717 | 14,857 | SH | DFND | 1 | 14,857 | 0 | 0 | |
| Nike, Inc. Class B | B | 654106103 | 1,988 | 18,407 | SH | DFND | 1 | 18,407 | 0 | 0 | |
| Noble Energy Inc | COM | 655044105 | 256 | 5,992 | SH | DFND | 1 | 5,992 | 0 | 0 | |
| Norfolk Southern Corp | COM | 655844108 | 678 | 7,762 | SH | DFND | 1 | 7,762 | 0 | 0 | |
| NORWOOD FINANCIAL CORP | COM | 669549107 | 262 | 8,919 | SH | SOLE | 8,919 | 0 | 0 | ||
| Nucor Corp | COM | 670346105 | 784 | 17,785 | SH | DFND | 1 | 17,785 | 0 | 0 | |
| Oracle Corp | COM | 68389X105 | 1,746 | 43,329 | SH | DFND | 1 | 43,329 | 0 | 0 | |
| PEOPLES FINANCIAL SERVICES | COM | 711040105 | 577 | 14,555 | SH | SOLE | 14,555 | 0 | 0 | ||
| Pepsico Inc | COM | 713448108 | 989 | 10,591 | SH | DFND | 1 | 10,591 | 0 | 0 | |
| Pfizer Inc | COM | 717081103 | 1,648 | 49,162 | SH | DFND | 1 | 49,162 | 0 | 0 | |
| Phillip Morris International Inc | COM | 718172109 | 380 | 4,740 | SH | DFND | 1 | 4,740 | 0 | 0 | |
| Praxair Inc | COM | 74005P104 | 801 | 6,696 | SH | DFND | 1 | 6,696 | 0 | 0 | |
| Precision Castparts Corp Common | COM | 740189105 | 1,159 | 5,799 | SH | DFND | 1 | 5,799 | 0 | 0 | |
| Procter & Gamble Co | COM | 742718109 | 2,304 | 29,450 | SH | DFND | 1 | 29,450 | 0 | 0 | |
| Qualcomm Inc | COM | 747525103 | 1,590 | 25,380 | SH | DFND | 1 | 25,380 | 0 | 0 | |
| Salesforce.Com | COM | 79466L302 | 1,157 | 16,610 | SH | DFND | 1 | 16,610 | 0 | 0 | |
| Schlumberger Ltd | COM | 806857108 | 1,771 | 20,549 | SH | DFND | 1 | 20,549 | 0 | 0 | |
| SEI Investment Company | COM | 784117103 | 276 | 5,630 | SH | DFND | 1 | 5,630 | 0 | 0 | |
| Starbucks Corp | COM | 855244109 | 1,490 | 27,786 | SH | DFND | 1 | 27,786 | 0 | 0 | |
| Stryker Corp | COM | 863667101 | 629 | 6,586 | SH | DFND | 1 | 6,586 | 0 | 0 | |
| SYSCO Corp | COM | 871829107 | 478 | 13,247 | SH | DFND | 1 | 13,247 | 0 | 0 | |
| T. Rowe Price Group, Inc. | COM | 74144T108 | 741 | 9,533 | SH | DFND | 1 | 9,533 | 0 | 0 | |
| Target Corp | COM | 87612E106 | 917 | 11,233 | SH | DFND | 1 | 11,233 | 0 | 0 | |
| Teradata Corp Del | COM | 88076W103 | 509 | 13,744 | SH | DFND | 1 | 13,744 | 0 | 0 | |
| Tjx Companies (New) | COM | 872540109 | 759 | 11,476 | SH | DFND | 1 | 11,476 | 0 | 0 | |
| Trevena Inc. | COM | 89532E109 | 125 | 20,000 | SH | DFND | 1 | 20,000 | 0 | 0 | |
| Twenty-First Century Fox Inc Class A | CL A | 90130A101 | 1,179 | 36,220 | SH | DFND | 1 | 36,220 | 0 | 0 | |
| United Parcel Service Inc. Class B | CL B | 911312106 | 589 | 6,078 | SH | DFND | 1 | 6,078 | 0 | 0 | |
| Unitedhealth Group, Inc. | COM | 91324P102 | 738 | 6,046 | SH | DFND | 1 | 6,046 | 0 | 0 | |
| UNIVEST CORP OF PA | COM | 915271100 | 204 | 10,000 | SH | SOLE | 10,000 | 0 | 0 | ||
| Utilities Select Sector SPDR | SBI INT-UTILS | 81369Y886 | 673 | 16,239 | SH | DFND | 1 | 16,239 | 0 | 0 | |
| V F Corp | COM | 918204108 | 787 | 11,280 | SH | DFND | 1 | 11,280 | 0 | 0 | |
| Vanguard FTSE All-World Ex-US Small Cap Index | FTSE SMCAP ETF | 922042718 | 806 | 7,904 | SH | DFND | 1 | 7,904 | 0 | 0 | |
| Vanguard FTSE Emerging Markets ETF | FTSE EMR MKT ETF | 922042858 | 523 | 12,788 | SH | DFND | 1 | 12,788 | 0 | 0 | |
| Vanguard REIT Index ETF | REIT ETF | 922908553 | 224 | 3,000 | SH | DFND | 1 | 3,000 | 0 | 0 | |
| Verizon Communications | COM | 92343V104 | 1,880 | 40,336 | SH | DFND | 1 | 40,336 | 0 | 0 | |
| W W Grainger Inc | COM | 384802104 | 503 | 2,125 | SH | DFND | 1 | 2,125 | 0 | 0 | |
| Walgreens Boots Alliance Inc | COM | 931427108 | 771 | 9,129 | SH | DFND | 1 | 9,129 | 0 | 0 | |
| Wal-Mart Stores Inc | COM | 931142103 | 492 | 6,933 | SH | DFND | 1 | 6,933 | 0 | 0 | |
| Wells Fargo & Co New | COM | 949746101 | 3,172 | 56,396 | SH | DFND | 1 | 56,396 | 0 | 0 | |
| WVS FINANCIAL CORP | COM | 929358109 | 128 | 10,859 | SH | DFND | 1 | 10,859 | 0 | 0 | |
| YUM Brands Inc | COM | 988498101 | 720 | 7,998 | SH | DFND | 1 | 7,998 | 0 | 0 | |
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,170 | 10,707 | SH | DFND | 1 | 10,707 | 0 | 0 | |