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 | 563 | 3,154 | SH | DFND | 1 | 3,154 | 0 | 0 | |
| Abbott Labs | COM | 002824100 | 951 | 24,763 | SH | DFND | 1 | 24,763 | 0 | 0 | |
| Accenture PLC | SHS CLASS A | G1151C101 | 706 | 6,026 | SH | DFND | 1 | 6,026 | 0 | 0 | |
| Activision Blizzard Inc Common | COM | 00507V109 | 1,082 | 29,976 | SH | DFND | 1 | 29,976 | 0 | 0 | |
| Allergan PLC | SHS | G0177J108 | 1,734 | 8,257 | SH | DFND | 1 | 8,257 | 0 | 0 | |
| Alliance Data Systems Corp | COM | 018581108 | 1,154 | 5,050 | SH | DFND | 1 | 5,050 | 0 | 0 | |
| Allstate Corp | COM | 020002101 | 1,400 | 18,893 | SH | DFND | 1 | 18,893 | 0 | 0 | |
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 3,553 | 4,604 | SH | DFND | 1 | 4,604 | 0 | 0 | |
| Altria Group Inc | COM | 02209S103 | 498 | 7,361 | SH | DFND | 1 | 7,361 | 0 | 0 | |
| American Tower REIT Inc | COM | 03027X100 | 1,377 | 13,027 | SH | DFND | 1 | 13,027 | 0 | 0 | |
| Apple Computer Inc | COM | 037833100 | 3,109 | 26,843 | SH | DFND | 1 | 26,843 | 0 | 0 | |
| AT&T Inc | COM | 00206R102 | 751 | 17,658 | SH | DFND | 1 | 17,658 | 0 | 0 | |
| Automatic Data Processing | COM | 053015103 | 685 | 6,663 | SH | DFND | 1 | 6,663 | 0 | 0 | |
| Baker Hughes Inc | COM | 057224107 | 240 | 3,689 | SH | DFND | 1 | 3,689 | 0 | 0 | |
| Bard C R Inc | COM | 067383109 | 1,909 | 8,496 | SH | DFND | 1 | 8,496 | 0 | 0 | |
| Baxter Intl Inc | COM | 071813109 | 868 | 19,587 | SH | DFND | 1 | 19,587 | 0 | 0 | |
| Biogen Idec Inc | COM | 09062X103 | 1,580 | 5,570 | SH | DFND | 1 | 5,570 | 0 | 0 | |
| Blackrock, Inc. | COM | 09247X101 | 437 | 1,148 | SH | DFND | 1 | 1,148 | 0 | 0 | |
| Cardinal Health Inc | COM | 14149Y108 | 383 | 5,320 | SH | DFND | 1 | 5,320 | 0 | 0 | |
| Celgene Corporation | COM | 151020104 | 1,473 | 12,724 | SH | DFND | 1 | 12,724 | 0 | 0 | |
| Charles Schwab Corp | COM | 808513105 | 1,691 | 42,854 | SH | DFND | 1 | 42,854 | 0 | 0 | |
| Chevron Corp | COM | 166764100 | 1,798 | 15,278 | SH | DFND | 1 | 15,278 | 0 | 0 | |
| Cisco Systems Inc | COM | 17275R102 | 809 | 26,776 | SH | DFND | 1 | 26,776 | 0 | 0 | |
| Citigroup Inc Common New | COM NEW | 172967424 | 1,754 | 29,513 | SH | DFND | 1 | 29,513 | 0 | 0 | |
| Citizens & Northern Corp | COM | 172922106 | 6,891 | 262,996 | SH | DFND | 1 | 262,996 | 0 | 0 | |
| CME Group Inc | COM | 12572Q105 | 642 | 5,565 | SH | DFND | 1 | 5,565 | 0 | 0 | |
| Coca Cola Co | COM | 191216100 | 1,278 | 30,824 | SH | DFND | 1 | 30,824 | 0 | 0 | |
| Colgate Palmolive Co | COM | 194162103 | 294 | 4,491 | SH | DFND | 1 | 4,491 | 0 | 0 | |
| Community Bank System, Inc | COM | 203607106 | 322 | 5,216 | SH | DFND | 1 | 5,216 | 0 | 0 | |
| Corning Inc | COM | 219350105 | 885 | 36,447 | SH | DFND | 1 | 36,447 | 0 | 0 | |
| Costco Wholesale Corp (New) | COM | 22160K105 | 889 | 5,550 | SH | DFND | 1 | 5,550 | 0 | 0 | |
| CVS Health Corporation | COM | 126650100 | 1,898 | 24,049 | SH | DFND | 1 | 24,049 | 0 | 0 | |
| Danaher Corp | COM | 235851102 | 624 | 8,019 | SH | DFND | 1 | 8,019 | 0 | 0 | |
| Darden Restaurants Inc | COM | 237194105 | 329 | 4,521 | SH | DFND | 1 | 4,521 | 0 | 0 | |
| Dicks Sporting Goods Inc | COM | 253393102 | 1,575 | 29,653 | SH | DFND | 1 | 29,653 | 0 | 0 | |
| Disney Walt Co | COM DISNEY | 254687106 | 2,169 | 20,814 | SH | DFND | 1 | 20,814 | 0 | 0 | |
| Duke Energy Corporation New | COM NEW | 26441C204 | 618 | 7,967 | SH | DFND | 1 | 7,967 | 0 | 0 | |
| Ecolab Inc. | COM | 278865100 | 392 | 3,348 | SH | DFND | 1 | 3,348 | 0 | 0 | |
| EOG Resources, Inc. | COM | 26875P101 | 1,294 | 12,795 | SH | DFND | 1 | 12,795 | 0 | 0 | |
| Expeditors Intl Wash Inc | COM | 302130109 | 351 | 6,627 | SH | DFND | 1 | 6,627 | 0 | 0 | |
| Express Scripts Holding Co. | COM | 30219G108 | 1,334 | 19,395 | SH | DFND | 1 | 19,395 | 0 | 0 | |
| Exxon Mobil Corp | COM | 30231G102 | 3,120 | 34,570 | SH | DFND | 1 | 34,570 | 0 | 0 | |
| FNB Corporation | COM | 302520101 | 655 | 40,875 | SH | DFND | 1 | 40,875 | 0 | 0 | |
| Fortive Corp Common | COM | 34959J108 | 482 | 8,990 | SH | DFND | 1 | 8,990 | 0 | 0 | |
| General Dynamics Corp | COM | 369550108 | 628 | 3,638 | SH | DFND | 1 | 3,638 | 0 | 0 | |
| General Elec Co | COM | 369604103 | 3,027 | 95,806 | SH | DFND | 1 | 95,806 | 0 | 0 | |
| Gilead Sciences Inc | COM | 375558103 | 1,126 | 15,726 | SH | DFND | 1 | 15,726 | 0 | 0 | |
| Home Depot Inc | COM | 437076102 | 2,541 | 18,952 | SH | DFND | 1 | 18,952 | 0 | 0 | |
| Intel Corp | COM | 458140100 | 735 | 20,259 | SH | DFND | 1 | 20,259 | 0 | 0 | |
| Intercontinental Exchange Inc Common | COM | 45866F104 | 2,033 | 36,025 | SH | DFND | 1 | 36,025 | 0 | 0 | |
| International Business Machines | COM | 459200101 | 672 | 4,049 | SH | DFND | 1 | 4,049 | 0 | 0 | |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 1,172 | 5,211 | SH | DFND | 1 | 5,211 | 0 | 0 | |
| iShares Dow Jones US Real Estate | U.S. REAL ES ETF | 464287739 | 2,466 | 32,057 | SH | DFND | 1 | 32,057 | 0 | 0 | |
| iShares MSCI ACWI Ex US ETF | MSCI ACWI EX US | 464288240 | 471 | 11,692 | SH | DFND | 1 | 11,692 | 0 | 0 | |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 9,838 | 59,504 | SH | DFND | 1 | 59,504 | 0 | 0 | |
| Johnson & Johnson | COM | 478160104 | 1,232 | 10,691 | SH | DFND | 1 | 10,691 | 0 | 0 | |
| JPMorgan Chase & Co | COM | 46625H100 | 4,255 | 49,308 | SH | DFND | 1 | 49,308 | 0 | 0 | |
| Kohls Corp | COM | 500255104 | 1,490 | 30,170 | SH | DFND | 1 | 30,170 | 0 | 0 | |
| Masco Corp | COM | 574599106 | 1,116 | 35,308 | SH | DFND | 1 | 35,308 | 0 | 0 | |
| McDonalds Corp | COM | 580135101 | 1,574 | 12,930 | SH | DFND | 1 | 12,930 | 0 | 0 | |
| Merck & Co Inc New | COM | 58933Y105 | 338 | 5,738 | SH | DFND | 1 | 5,738 | 0 | 0 | |
| Microchip Technology Inc | COM | 595017104 | 696 | 10,855 | SH | DFND | 1 | 10,855 | 0 | 0 | |
| Microsoft Corp | COM | 594918104 | 1,471 | 23,665 | SH | DFND | 1 | 23,665 | 0 | 0 | |
| Mondelez Intl Inc Class A | CL A | 609207105 | 1,745 | 39,353 | SH | DFND | 1 | 39,353 | 0 | 0 | |
| Nike, Inc. Class B | CL B | 654106103 | 2,092 | 41,154 | SH | DFND | 1 | 41,154 | 0 | 0 | |
| Norfolk Southern Corp | COM | 655844108 | 956 | 8,849 | SH | DFND | 1 | 8,849 | 0 | 0 | |
| Nucor Corp | COM | 670346105 | 1,038 | 17,432 | SH | DFND | 1 | 17,432 | 0 | 0 | |
| NXP Semiconductors N.V. | COM | N6596X109 | 1,004 | 10,241 | SH | DFND | 1 | 10,241 | 0 | 0 | |
| Oracle Corp | COM | 68389X105 | 1,601 | 41,637 | SH | DFND | 1 | 41,637 | 0 | 0 | |
| Pepsico Inc | COM | 713448108 | 845 | 8,079 | SH | DFND | 1 | 8,079 | 0 | 0 | |
| Pfizer Inc | COM | 717081103 | 1,899 | 58,466 | SH | DFND | 1 | 58,466 | 0 | 0 | |
| Phillip Morris International Inc | COM | 718172109 | 422 | 4,608 | SH | DFND | 1 | 4,608 | 0 | 0 | |
| Procter & Gamble Co | COM | 742718109 | 3,044 | 36,204 | SH | DFND | 1 | 36,204 | 0 | 0 | |
| Qualcomm Inc | COM | 747525103 | 1,526 | 23,406 | SH | DFND | 1 | 23,406 | 0 | 0 | |
| Red Hat, Inc | COM | 756577102 | 1,024 | 14,688 | SH | DFND | 1 | 14,688 | 0 | 0 | |
| Salesforce.Com | COM | 79466L302 | 1,340 | 19,578 | SH | DFND | 1 | 19,578 | 0 | 0 | |
| Schlumberger Ltd | COM | 806857108 | 1,730 | 20,613 | SH | DFND | 1 | 20,613 | 0 | 0 | |
| SEI Investment Company | COM | 784117103 | 218 | 4,421 | SH | DFND | 1 | 4,421 | 0 | 0 | |
| Shire PLC Sponsored ADR | SPONSORED ADR | 82481R106 | 1,421 | 8,343 | SH | DFND | 1 | 8,343 | 0 | 0 | |
| Starbucks Corp | COM | 855244109 | 1,564 | 28,173 | SH | DFND | 1 | 28,173 | 0 | 0 | |
| Stryker Corp | COM | 863667101 | 402 | 3,353 | SH | DFND | 1 | 3,353 | 0 | 0 | |
| SYSCO Corp | COM | 871829107 | 467 | 8,442 | SH | DFND | 1 | 8,442 | 0 | 0 | |
| T. Rowe Price Group, Inc. | COM | 74144T108 | 236 | 3,133 | SH | DFND | 1 | 3,133 | 0 | 0 | |
| Target Corp | COM | 87612E106 | 379 | 5,254 | SH | DFND | 1 | 5,254 | 0 | 0 | |
| Tjx Companies (New) | COM | 872540109 | 477 | 6,355 | SH | DFND | 1 | 6,355 | 0 | 0 | |
| Trevena Inc. | COM | 89532E109 | 171 | 29,000 | SH | DFND | 1 | 29,000 | 0 | 0 | |
| Twenty-First Century Fox Inc Class A | CL A | 90130A101 | 1,653 | 58,937 | SH | DFND | 1 | 58,937 | 0 | 0 | |
| Twitter Inc Common | COM | 90184L102 | 421 | 25,856 | SH | DFND | 1 | 25,856 | 0 | 0 | |
| Union Pacific Corp | COM | 907818108 | 677 | 6,532 | SH | DFND | 1 | 6,532 | 0 | 0 | |
| United Parcel Service Inc. Class B | CL B | 911312106 | 474 | 4,132 | SH | DFND | 1 | 4,132 | 0 | 0 | |
| Unitedhealth Group, Inc. | COM | 91324P102 | 427 | 2,670 | SH | DFND | 1 | 2,670 | 0 | 0 | |
| Utilities Select Sector SPDR | SBI INT-UTILS | 81369Y886 | 282 | 5,801 | SH | DFND | 1 | 5,801 | 0 | 0 | |
| Vanguard FTSE All-World Ex-US Small Cap Index | FTSE SMCAP ETF | 922042718 | 1,118 | 11,892 | SH | DFND | 1 | 11,892 | 0 | 0 | |
| Vanguard FTSE Emerging Markets ETF | FTSE EMR MKT ETF | 922042858 | 775 | 21,668 | SH | DFND | 1 | 21,668 | 0 | 0 | |
| Verizon Communications | COM | 92343V104 | 675 | 12,649 | SH | DFND | 1 | 12,649 | 0 | 0 | |
| W W Grainger Inc | COM | 384802104 | 735 | 3,165 | SH | DFND | 1 | 3,165 | 0 | 0 | |
| Wal-Mart Stores Inc | COM | 931142103 | 217 | 3,135 | SH | DFND | 1 | 3,135 | 0 | 0 | |
| Walgreens Boots Alliance Inc | COM | 931427108 | 490 | 5,923 | SH | DFND | 1 | 5,923 | 0 | 0 | |
| Wells Fargo & Co New | COM | 949746101 | 3,891 | 70,606 | SH | DFND | 1 | 70,606 | 0 | 0 | |
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,456 | 14,105 | SH | DFND | 1 | 14,105 | 0 | 0 | |