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 | 620 | 2,941 | SH | DFND | 1 | 2,941 | 0 | 0 | |
| Abbott Labs | COM | 002824100 | 2,272 | 30,969 | SH | DFND | 1 | 30,969 | 0 | 0 | |
| Accenture PLC | SHS CLASS A | G1151C101 | 599 | 3,520 | SH | DFND | 1 | 3,520 | 0 | 0 | |
| Alexion Pharmaceuticals Inc | COM | 015351109 | 1,841 | 13,246 | SH | DFND | 1 | 13,246 | 0 | 0 | |
| Allergan PLC | SHS | G0177J108 | 820 | 4,303 | SH | DFND | 1 | 4,303 | 0 | 0 | |
| Alliance Data Systems Corp | COM | 018581108 | 1,295 | 5,483 | SH | DFND | 1 | 5,483 | 0 | 0 | |
| Allstate Corp | COM | 020002101 | 2,053 | 20,796 | SH | DFND | 1 | 20,796 | 0 | 0 | |
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 5,831 | 4,886 | SH | DFND | 1 | 4,886 | 0 | 0 | |
| Altria Group Inc | COM | 02209S103 | 456 | 7,555 | SH | DFND | 1 | 7,555 | 0 | 0 | |
| American Tower REIT Inc | COM | 03027X100 | 1,920 | 13,216 | SH | DFND | 1 | 13,216 | 0 | 0 | |
| Apple Computer Inc | COM | 037833100 | 5,422 | 24,018 | SH | DFND | 1 | 24,018 | 0 | 0 | |
| AT&T Inc | COM | 00206R102 | 895 | 26,662 | SH | DFND | 1 | 26,662 | 0 | 0 | |
| Automatic Data Processing | COM | 053015103 | 497 | 3,296 | SH | DFND | 1 | 3,296 | 0 | 0 | |
| Becton, Dickinson & Co. | COM | 075887109 | 319 | 1,222 | SH | DFND | 1 | 1,222 | 0 | 0 | |
| Biogen Idec Inc | COM | 09062X103 | 1,148 | 3,248 | SH | DFND | 1 | 3,248 | 0 | 0 | |
| Blackrock, Inc. | COM | 09247X101 | 315 | 668 | SH | DFND | 1 | 668 | 0 | 0 | |
| Bristol Myers Squibb Co | COM | 110122108 | 1,789 | 28,822 | SH | DFND | 1 | 28,822 | 0 | 0 | |
| Carnival Corporation | UNIT 99/99/9999 | 143658300 | 846 | 13,272 | SH | DFND | 1 | 13,272 | 0 | 0 | |
| Celgene Corporation | COM | 151020104 | 1,562 | 17,458 | SH | DFND | 1 | 17,458 | 0 | 0 | |
| Charles Schwab Corp | COM | 808513105 | 2,270 | 46,192 | SH | DFND | 1 | 46,192 | 0 | 0 | |
| Chevron Corp | COM | 166764100 | 1,948 | 15,934 | SH | DFND | 1 | 15,934 | 0 | 0 | |
| Cisco Systems Inc | COM | 17275R102 | 451 | 9,266 | SH | DFND | 1 | 9,266 | 0 | 0 | |
| Citigroup Inc Common New | COM NEW | 172967424 | 2,042 | 28,460 | SH | DFND | 1 | 28,460 | 0 | 0 | |
| Citizens & Northern Corp | COM | 172922106 | 6,297 | 240,816 | SH | DFND | 1 | 240,816 | 0 | 0 | |
| CME Group Inc | COM CL A | 12572Q105 | 649 | 3,815 | SH | DFND | 1 | 3,815 | 0 | 0 | |
| Coca Cola Co | COM | 191216100 | 1,458 | 31,557 | SH | DFND | 1 | 31,557 | 0 | 0 | |
| Colony Credit Real Estate Inc | COM CL A | 19625T101 | 339 | 15,435 | SH | DFND | 1 | 15,435 | 0 | 0 | |
| Comcast Corp Class A | CL A | 20030N101 | 398 | 11,234 | SH | DFND | 1 | 11,234 | 0 | 0 | |
| Community Bank System, Inc | COM | 203607106 | 319 | 5,216 | SH | DFND | 1 | 5,216 | 0 | 0 | |
| Corning Inc | COM | 219350105 | 1,148 | 32,535 | SH | DFND | 1 | 32,535 | 0 | 0 | |
| Costco Wholesale Corp (New) | COM | 22160K105 | 1,382 | 5,883 | SH | DFND | 1 | 5,883 | 0 | 0 | |
| CVS Health Corporation | COM | 126650100 | 1,973 | 25,059 | SH | DFND | 1 | 25,059 | 0 | 0 | |
| Danaher Corp | COM | 235851102 | 307 | 2,823 | SH | DFND | 1 | 2,823 | 0 | 0 | |
| Darden Restaurants Inc | COM | 237194105 | 364 | 3,276 | SH | DFND | 1 | 3,276 | 0 | 0 | |
| Disney Walt Co | COM DISNEY | 254687106 | 1,917 | 16,394 | SH | DFND | 1 | 16,394 | 0 | 0 | |
| DowDuPont Inc | COM | 26078J100 | 1,225 | 19,043 | SH | DFND | 1 | 19,043 | 0 | 0 | |
| Duke Energy Corporation New | COM NEW | 26441C204 | 671 | 8,383 | SH | DFND | 1 | 8,383 | 0 | 0 | |
| E-Trade Financial Corp | COM NEW | 269246401 | 1,375 | 26,253 | SH | DFND | 1 | 26,253 | 0 | 0 | |
| Ecolab Inc. | COM | 278865100 | 236 | 1,508 | SH | DFND | 1 | 1,508 | 0 | 0 | |
| EOG Resources, Inc. | COM | 26875P101 | 1,257 | 9,856 | SH | DFND | 1 | 9,856 | 0 | 0 | |
| Express Scripts Holding Co. | COM | 30219G108 | 2,448 | 25,763 | SH | DFND | 1 | 25,763 | 0 | 0 | |
| Exxon Mobil Corp | COM | 30231G102 | 2,527 | 29,722 | SH | DFND | 1 | 29,722 | 0 | 0 | |
| Facebook Inc Class A | CL A | 30303M102 | 1,672 | 10,165 | SH | DFND | 1 | 10,165 | 0 | 0 | |
| Fidelity Natl Information Common | COM | 31620M106 | 209 | 1,918 | SH | DFND | 1 | 1,918 | 0 | 0 | |
| General Dynamics Corp | COM | 369550108 | 1,466 | 7,163 | SH | DFND | 1 | 7,163 | 0 | 0 | |
| General Elec Co | COM | 369604103 | 153 | 13,546 | SH | DFND | 1 | 13,546 | 0 | 0 | |
| Halliburton Co | COM | 406216101 | 1,001 | 24,686 | SH | DFND | 1 | 24,686 | 0 | 0 | |
| Home Depot Inc | COM | 437076102 | 2,033 | 9,815 | SH | DFND | 1 | 9,815 | 0 | 0 | |
| Honeywell Intl Inc | COM | 438516106 | 1,429 | 8,586 | SH | DFND | 1 | 8,586 | 0 | 0 | |
| Illinois Tool Works Inc | COM | 452308109 | 214 | 1,517 | SH | DFND | 1 | 1,517 | 0 | 0 | |
| Intel Corp | COM | 458140100 | 2,142 | 45,300 | SH | DFND | 1 | 45,300 | 0 | 0 | |
| Intercontinental Exchange Inc Common | COM | 45866F104 | 2,116 | 28,256 | SH | DFND | 1 | 28,256 | 0 | 0 | |
| International Business Machines | COM | 459200101 | 1,415 | 9,358 | SH | DFND | 1 | 9,358 | 0 | 0 | |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 429 | 1,464 | SH | DFND | 1 | 1,464 | 0 | 0 | |
| iShares MSCI ACWI Ex US ETF | MSCI ACWI EX US | 464288240 | 443 | 9,295 | SH | DFND | 1 | 9,295 | 0 | 0 | |
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 563 | 4,450 | SH | DFND | 1 | 4,450 | 0 | 0 | |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 9,141 | 45,414 | SH | DFND | 1 | 45,414 | 0 | 0 | |
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 1,019 | 6,530 | SH | DFND | 1 | 6,530 | 0 | 0 | |
| Johnson & Johnson | COM | 478160104 | 1,047 | 7,577 | SH | DFND | 1 | 7,577 | 0 | 0 | |
| JPMorgan Chase & Co | COM | 46625H100 | 4,602 | 40,785 | SH | DFND | 1 | 40,785 | 0 | 0 | |
| KLA-Tencor Corporation | COM | 482480100 | 777 | 7,641 | SH | DFND | 1 | 7,641 | 0 | 0 | |
| Lauder (Estee) Cos Inc Class A | CL A | 518439104 | 1,902 | 13,086 | SH | DFND | 1 | 13,086 | 0 | 0 | |
| Masco Corp | COM | 574599106 | 1,420 | 38,802 | SH | DFND | 1 | 38,802 | 0 | 0 | |
| Mastercard Inc Class A | CL A | 57636Q104 | 234 | 1,050 | SH | DFND | 1 | 1,050 | 0 | 0 | |
| McDonalds Corp | COM | 580135101 | 1,531 | 9,153 | SH | DFND | 1 | 9,153 | 0 | 0 | |
| Merck & Co Inc New | COM | 58933Y105 | 272 | 3,840 | SH | DFND | 1 | 3,840 | 0 | 0 | |
| Microchip Technology Inc | COM | 595017104 | 488 | 6,186 | SH | DFND | 1 | 6,186 | 0 | 0 | |
| Microsoft Corp | COM | 594918104 | 4,273 | 37,359 | SH | DFND | 1 | 37,359 | 0 | 0 | |
| Mondelez Intl Inc Class A | CL A | 609207105 | 1,994 | 46,415 | SH | DFND | 1 | 46,415 | 0 | 0 | |
| Nike, Inc. Class B | CL B | 654106103 | 3,993 | 47,127 | SH | DFND | 1 | 47,127 | 0 | 0 | |
| Norfolk Southern Corp | COM | 655844108 | 1,691 | 9,371 | SH | DFND | 1 | 9,371 | 0 | 0 | |
| Nucor Corp | COM | 670346105 | 1,388 | 21,874 | SH | DFND | 1 | 21,874 | 0 | 0 | |
| Nvidia Corp | COM | 67066G104 | 1,208 | 4,299 | SH | DFND | 1 | 4,299 | 0 | 0 | |
| Oracle Corp | COM | 68389X105 | 2,039 | 39,553 | SH | DFND | 1 | 39,553 | 0 | 0 | |
| Pepsico Inc | COM | 713448108 | 598 | 5,350 | SH | DFND | 1 | 5,350 | 0 | 0 | |
| Pfizer Inc | COM | 717081103 | 1,454 | 32,998 | SH | DFND | 1 | 32,998 | 0 | 0 | |
| Philip Morris International Inc | COM | 718172109 | 386 | 4,728 | SH | DFND | 1 | 4,728 | 0 | 0 | |
| Procter & Gamble Co | COM | 742718109 | 1,750 | 21,030 | SH | DFND | 1 | 21,030 | 0 | 0 | |
| Qualcomm Inc | COM | 747525103 | 326 | 4,522 | SH | DFND | 1 | 4,522 | 0 | 0 | |
| Red Hat, Inc | COM | 756577102 | 934 | 6,856 | SH | DFND | 1 | 6,856 | 0 | 0 | |
| Roper Industries Inc New | COM | 776696106 | 355 | 1,200 | SH | DFND | 1 | 1,200 | 0 | 0 | |
| Salesforce.Com | COM | 79466L302 | 2,333 | 14,670 | SH | DFND | 1 | 14,670 | 0 | 0 | |
| Schlumberger Ltd | COM | 806857108 | 1,210 | 19,859 | SH | DFND | 1 | 19,859 | 0 | 0 | |
| Shire PLC Sponsored ADR | SPONSORED ADR | 82481R106 | 2,021 | 11,150 | SH | DFND | 1 | 11,150 | 0 | 0 | |
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 321 | 1,215 | SH | DFND | 1 | 1,215 | 0 | 0 | |
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 606 | 2,084 | SH | DFND | 1 | 2,084 | 0 | 0 | |
| Starbucks Corp | COM | 855244109 | 1,889 | 33,233 | SH | DFND | 1 | 33,233 | 0 | 0 | |
| Stryker Corp | COM | 863667101 | 242 | 1,362 | SH | DFND | 1 | 1,362 | 0 | 0 | |
| SYSCO Corp | COM | 871829107 | 279 | 3,808 | SH | DFND | 1 | 3,808 | 0 | 0 | |
| Target Corp | COM | 87612E106 | 205 | 2,323 | SH | DFND | 1 | 2,323 | 0 | 0 | |
| Tjx Companies (New) | COM | 872540109 | 2,106 | 18,804 | SH | DFND | 1 | 18,804 | 0 | 0 | |
| Trevena Inc. | COM | 89532E109 | 115 | 54,300 | SH | DFND | 1 | 54,300 | 0 | 0 | |
| Twenty-First Century Fox Inc Class A | CL A | 90130A101 | 2,645 | 57,088 | SH | DFND | 1 | 57,088 | 0 | 0 | |
| Union Pacific Corp | COM | 907818108 | 1,064 | 6,532 | SH | DFND | 1 | 6,532 | 0 | 0 | |
| Unitedhealth Group, Inc. | COM | 91324P102 | 558 | 2,096 | SH | DFND | 1 | 2,096 | 0 | 0 | |
| Verizon Communications | COM | 92343V104 | 1,023 | 19,169 | SH | DFND | 1 | 19,169 | 0 | 0 | |
| W W Grainger Inc | COM | 384802104 | 1,761 | 4,927 | SH | DFND | 1 | 4,927 | 0 | 0 | |
| Wells Fargo & Co New | COM | 949746101 | 2,792 | 53,112 | SH | DFND | 1 | 53,112 | 0 | 0 | |
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 2,298 | 17,480 | SH | DFND | 1 | 17,480 | 0 | 0 | |