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
Estimated average burden
hours per response: 23.8
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
Abbott COM 002824100 23,809 283,103 SH   SOLE   283,103 0 0
AbbVie COM 00287y109 26,970 370,871 SH   SOLE   370,871 0 0
ADP COM 053015103 2,584 15,627 SH   SOLE   15,627 0 0
Aflac COM 001055102 472 8,618 SH   SOLE   8,618 0 0
AIG COM NEW 026874784 649 12,185 SH   SOLE   12,185 0 0
Air Products & Chemicals COM 009158106 1,322 5,841 SH   SOLE   5,841 0 0
AK Steel Holding COM 001547108 24 10,000 SH   SOLE   10,000 0 0
Allergan SHS g0177j108 485 2,894 SH   SOLE   2,894 0 0
Alliance Data Systems COM 018581108 307 2,194 SH   SOLE   2,194 0 0
Alphabet - A CAP STK CL A 02079k305 669 618 SH   SOLE   618 0 0
Alphabet - C CAP STK CL C 02079k107 5,046 4,668 SH   SOLE   4,668 0 0
Altria Group COM 02209s103 2,612 55,164 SH   SOLE   55,164 0 0
Amazon COM 023135106 2,922 1,543 SH   SOLE   1,543 0 0
American Elec Power COM 025537101 2,873 32,640 SH   SOLE   32,640 0 0
American Express COM 025816109 1,239 10,038 SH   SOLE   10,038 0 0
Ameriprise Financial COM 03076c106 217 1,492 SH   SOLE   1,492 0 0
Amgen COM 031162100 23,922 129,815 SH   SOLE   129,815 0 0
Anadarko Petroleum COM 032511107 528 7,481 SH   SOLE   7,481 0 0
Analog Devices COM 032654105 362 3,210 SH   SOLE   3,210 0 0
Anthem COM 036752103 332 1,178 SH   SOLE   1,178 0 0
Apple Computer COM 037833100 5,248 26,518 SH   SOLE   26,518 0 0
AT&T COM 00206r102 21,226 633,415 SH   SOLE   633,415 0 0
Autodesk COM 052769106 763 4,683 SH   SOLE   4,683 0 0
Baker Hughes CL A 05722g100 2,729 110,819 SH   SOLE   110,819 0 0
Bank of America COM 060505104 3,635 125,328 SH   SOLE   125,328 0 0
Bank of Montreal COM 063671101 11,655 154,472 SH   SOLE   154,472 0 0
Bank of NY Mellon COM 064058100 361 8,183 SH   SOLE   8,183 0 0
Becton Dickinson COM 075887109 869 3,447 SH   SOLE   3,447 0 0
Berkshire Hathaway - A CL A 084670108 955 3 SH   SOLE   3 0 0
Berkshire Hathaway - B CL B NEW 084670702 8,805 41,304 SH   SOLE   41,304 0 0
Biogen Idec COM 09062x103 531 2,270 SH   SOLE   2,270 0 0
Blackrock COM 09247x101 347 739 SH   SOLE   739 0 0
Boeing COM 097023105 238 653 SH   SOLE   653 0 0
BP ADR SPONSORED ADR 055622104 21,069 505,243 SH   SOLE   505,243 0 0
Brighthouse Financial COM 10922n103 312 8,500 SH   SOLE   8,500 0 0
Bristol Myers COM 110122108 304 6,710 SH   SOLE   6,710 0 0
Broadcom COM 11135F101 517 1,797 SH   SOLE   1,797 0 0
Campbell Soup COM 134429109 332 8,286 SH   SOLE   8,286 0 0
Celanese - A COM SER A 150870103 1,578 14,640 SH   SOLE   14,640 0 0
Chevron Texaco COM 166764100 13,402 107,701 SH   SOLE   107,701 0 0
Chubb Ltd COM h1467j104 16,799 114,055 SH   SOLE   114,055 0 0
Cisco COM 17275r102 47,376 865,629 SH   SOLE   865,629 0 0
Citigroup COM NEW 172967424 11,919 170,203 SH   SOLE   170,203 0 0
Citizens Financial Group COM 174610105 269 7,600 SH   SOLE   7,600 0 0
Citrix Systems COM 177376100 211 2,148 SH   SOLE   2,148 0 0
Clorox Company COM 189054109 419 2,739 SH   SOLE   2,739 0 0
CME Group COM 12572q105 426 2,194 SH   SOLE   2,194 0 0
Coca Cola COM 191216100 23,776 466,923 SH   SOLE   466,923 0 0
Colgate Palmolive COM 194162103 458 6,386 SH   SOLE   6,386 0 0
Comcast - A CL A 20030n101 4,827 114,157 SH   SOLE   114,157 0 0
Community Bank COM 203607106 11,815 179,447 SH   SOLE   179,447 0 0
ConocoPhillips COM 20825c104 1,810 29,669 SH   SOLE   29,669 0 0
Cree COM 225447101 236 4,209 SH   SOLE   4,209 0 0
CVS Health COM 126650100 416 7,638 SH   SOLE   7,638 0 0
Disney COM DISNEY 254687106 8,370 59,942 SH   SOLE   59,942 0 0
Dolby Laboratories COM 25659t107 230 3,566 SH   SOLE   3,566 0 0
Dow Chemical COM 260557103 291 5,894 SH   SOLE   5,894 0 0
Duke Energy COM NEW 26441c204 211 2,386 SH   SOLE   2,386 0 0
Dupont De Nemours COM 26614n102 436 5,813 SH   SOLE   5,813 0 0
DXC Technology COM 23355l106 428 7,767 SH   SOLE   7,767 0 0
Emerson Electric COM 291011104 19,684 295,028 SH   SOLE   295,028 0 0
Energy Sector ETF SBI INT-ENERGY 81369y506 474 7,434 SH   SOLE   7,434 0 0
Energy Transfer LP COM UT LTD PTN 29273V100 209 14,846 SH   SOLE   14,846 0 0
Eversource Energy COM 30040w108 274 3,619 SH   SOLE   3,619 0 0
Exxon Mobil COM 30231g102 22,803 297,573 SH   SOLE   297,573 0 0
Facebook CL A 30303m102 615 3,186 SH   SOLE   3,186 0 0
Factset Research Systems COM 303075105 232 808 SH   SOLE   808 0 0
FedEx Corp COM 31428x106 370 2,252 SH   SOLE   2,252 0 0
Fifth Third Bancorp COM 316773100 603 21,624 SH   SOLE   21,624 0 0
Financial Sector Index Fund SBI INT-FINL 81369y605 408 14,768 SH   SOLE   14,768 0 0
Freeport-McMoran CL B 35671d857 222 19,156 SH   SOLE   19,156 0 0
FVCBankcorp COM 36120q101 204 10,516 SH   SOLE   10,516 0 0
General Dynamics COM 369550108 1,323 7,277 SH   SOLE   7,277 0 0
General Electric COM 369604103 869 82,724 SH   SOLE   82,724 0 0
General Mills COM 370334104 20,911 398,145 SH   SOLE   398,145 0 0
Goldman Sachs COM 38141g104 217 1,063 SH   SOLE   1,063 0 0
Harris COM 413875105 369 1,951 SH   SOLE   1,951 0 0
Honeywell COM 438516106 26,635 152,560 SH   SOLE   152,560 0 0
Huntington Bancshares COM 446150104 306 22,116 SH   SOLE   22,116 0 0
IBM COM 459200101 1,417 10,274 SH   SOLE   10,274 0 0
Illinois Tool Works COM 452308109 1,297 8,597 SH   SOLE   8,597 0 0
Intel COM 458140100 25,536 533,453 SH   SOLE   533,453 0 0
Invesco QQQ Trust UNIT SER 1 46090e103 283 1,515 SH   SOLE   1,515 0 0
Ionis Pharmaceuticals COM 462222100 248 3,861 SH   SOLE   3,861 0 0
iShares Core Dividend Growth CORE DIV GRWTH 46434v621 333 8,708 SH   SOLE   8,708 0 0
iShares Core S&P Midcap CORE S&P MCP ETF 464287507 482 2,482 SH   SOLE   2,482 0 0
iShares Dividend Index SELECT DIVID ETF 464287168 1,264 12,693 SH   SOLE   12,693 0 0
iShares Edge MSCI MIN VOL EAFE ETF 46429b689 2,337 32,174 SH   SOLE   32,174 0 0
iShares MSCE EAFE Index MSCI EAFE ETF 464287465 1,139 17,329 SH   SOLE   17,329 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 3,884 24,686 SH   SOLE   24,686 0 0
iShares Russell 1000 Value RUS 1000 VAL ETF 464287598 3,786 29,761 SH   SOLE   29,761 0 0
iShares Russell 2000 Value Ind RUS 2000 VAL ETF 464287630 253 2,100 SH   SOLE   2,100 0 0
iShares S&P Small Cap CORE S&P SCP ETF 464287804 1,581 20,193 SH   SOLE   20,193 0 0
iShares TR Russell 2000 RUSSELL 2000 ETF 464287655 1,258 8,088 SH   SOLE   8,088 0 0
iShares TR Russell MCP GR RUS MD CP GR ETF 464287481 242 1,700 SH   SOLE   1,700 0 0
iShares TR Russell MCP VL RUS MDCP VAL ETF 464287473 351 3,943 SH   SOLE   3,943 0 0
Johnson & Johnson COM 478160104 31,491 226,099 SH   SOLE   226,099 0 0
Johnson Controls SHS g51502105 314 7,599 SH   SOLE   7,599 0 0
JPMorgan COM 46625h100 48,532 434,096 SH   SOLE   434,096 0 0
Kellogg COM 487836108 1,255 23,432 SH   SOLE   23,432 0 0
Kimberly-Clark COM 494368103 14,353 107,688 SH   SOLE   107,688 0 0
Kinder Morgan COM 49456b101 23,212 1,111,667 SH   SOLE   1,111,667 0 0
Kraft Heinz COM 500754106 3,052 98,331 SH   SOLE   98,331 0 0
L-3 Technologies COM 502413107 544 2,219 SH   SOLE   2,219 0 0
Leggett & Platt COM 524660107 21,836 569,097 SH   SOLE   569,097 0 0
Lilly COM 532457108 1,275 11,505 SH   SOLE   11,505 0 0
Lockheed Martin COM 539830109 20,894 57,473 SH   SOLE   57,473 0 0
Lowe's Companies COM 548661107 621 6,155 SH   SOLE   6,155 0 0
M & T Bank COM 55261F104 30,039 176,625 SH   SOLE   176,625 0 0
Marathon Oil COM 565849106 367 25,800 SH   SOLE   25,800 0 0
Master Card Cl A CL A 57636q104 284 1,073 SH   SOLE   1,073 0 0
McDonald's COM 580135101 23,177 111,610 SH   SOLE   111,610 0 0
Medtronic SHS g5960l103 7,821 80,307 SH   SOLE   80,307 0 0
Merck COM 58933Y105 21,955 261,832 SH   SOLE   261,832 0 0
Microsoft COM 594918104 37,492 279,873 SH   SOLE   279,873 0 0
MMM COM 88579Y101 1,943 11,210 SH   SOLE   11,210 0 0
Mondelez CL A 609207105 11,894 220,674 SH   SOLE   220,674 0 0
Moody's COM 615369105 371 1,900 SH   SOLE   1,900 0 0
Nestle SA ADR COM 641069406 814 7,873 SH   SOLE   7,873 0 0
NBT Bancorp COM 628778102 792 21,107 SH   SOLE   21,107 0 0
Netflix COM 64110l106 483 1,316 SH   SOLE   1,316 0 0
NextEra Energy COM 65339f101 2,387 11,650 SH   SOLE   11,650 0 0
Nike Inc Cl B CL B 654106103 267 3,176 SH   SOLE   3,176 0 0
Norfolk Southern COM 655844108 24,890 124,870 SH   SOLE   124,870 0 0
Novartis AG ADR SPONSORED ADR 66987V109 228 2,496 SH   SOLE   2,496 0 0
Nucor COM 670346105 16,826 305,363 SH   SOLE   305,363 0 0
Nvidia COM 67066g104 213 1,300 SH   SOLE   1,300 0 0
Oracle COM 68389X105 1,325 23,261 SH   SOLE   23,261 0 0
Paychex COM 704326107 445 5,412 SH   SOLE   5,412 0 0
PayPal Holdings COM 70450y103 358 3,131 SH   SOLE   3,131 0 0
Penns Woods Bancorp COM 708430103 1,116 24,653 SH   SOLE   24,653 0 0
Peoples Financial Services COM 711040105 1,539 34,199 SH   SOLE   34,199 0 0
Pepsico COM 713448108 2,342 17,859 SH   SOLE   17,859 0 0
Pfizer COM 717081103 27,750 640,571 SH   SOLE   640,571 0 0
Philip Morris COM 718172109 1,716 21,851 SH   SOLE   21,851 0 0
Phillips 66 COM 718546104 520 5,557 SH   SOLE   5,557 0 0
Pinnacle Financial COM 72346q104 335 5,821 SH   SOLE   5,821 0 0
Pioneer Natural Resources COM 723787107 382 2,482 SH   SOLE   2,482 0 0
PNC COM 693475105 27,439 199,874 SH   SOLE   199,874 0 0
PPL COM 69351T106 19,398 625,543 SH   SOLE   625,543 0 0
Principal Financial COM 74251v102 313 5,412 SH   SOLE   5,412 0 0
Procter & Gamble COM 742718109 25,537 232,892 SH   SOLE   232,892 0 0
Progressive COM 743315103 3,644 45,592 SH   SOLE   45,592 0 0
Provident Financial COM 74386t105 503 20,738 SH   SOLE   20,738 0 0
Prudential Financial COM 744320102 595 5,892 SH   SOLE   5,892 0 0
PulteGroup COM 745867101 7,473 236,327 SH   SOLE   236,327 0 0
Qualcomm COM 747525103 17,228 226,480 SH   SOLE   226,480 0 0
Raytheon COM NEW 755111507 2,451 14,097 SH   SOLE   14,097 0 0
Royal Dutch Shell ADR B SPONSORED ADR B 780259107 3,178 48,341 SH   SOLE   48,341 0 0
S&P 500 Equal Weight S&P500 EQL WGT 46137v357 629 5,838 SH   SOLE   5,838 0 0
S&P 500 Spiders TR UNIT 78462f103 5,179 17,677 SH   SOLE   17,677 0 0
Schlumberger COM 806857108 8,569 215,627 SH   SOLE   215,627 0 0
Schwab EM Equity EMRG MKTEQ ETF 808524706 2,809 107,067 SH   SOLE   107,067 0 0
Schwab Intl Equity INTL EQTY ETF 808524805 12,415 386,886 SH   SOLE   386,886 0 0
Schwab LC Growth US LCAP GR ETF 808524300 765 9,197 SH   SOLE   9,197 0 0
Schwab US Broad Market US LCAP BRD MKT ETF 808524102 15,176 215,176 SH   SOLE   215,176 0 0
Schwab US Large Cap US LRG CAP ETF 808524201 1,150 16,382 SH   SOLE   16,382 0 0
Schwab US Large-Cap Value US LCAP VA ETF 808524409 3,856 68,685 SH   SOLE   68,685 0 0
Schwab US Mid Cap US MID-CAP ETF 808524508 3,978 69,680 SH   SOLE   69,680 0 0
Schwab US REIT US REIT ETF 808524847 1,519 34,171 SH   SOLE   34,171 0 0
Schwab US Small Cap US SML CAP ETF 808524607 1,185 16,582 SH   SOLE   16,582 0 0
Seagate Technology SHS g7945m107 408 8,650 SH   SOLE   8,650 0 0
Sony Corp ADR ADR NEW 835699307 508 9,690 SH   SOLE   9,690 0 0
SPDR S&P 600 Small Cap S&P 600 SML CAP 78464a813 1,771 26,192 SH   SOLE   26,192 0 0
Synovus Financial COM NEW 87161c501 700 19,997 SH   SOLE   19,997 0 0
Sysco COM 871829107 2,672 37,781 SH   SOLE   37,781 0 0
Taiwan Semiconductor SPON ADR 874039100 1,103 28,158 SH   SOLE   28,158 0 0
Target COM 87612e106 410 4,731 SH   SOLE   4,731 0 0
TE Connectivity REG SHS H84989104 9,190 95,953 SH   SOLE   95,953 0 0
Tetra Technologies COM 88162f105 163 100,000 SH   SOLE   100,000 0 0
Texas Instruments COM 882508104 1,743 15,192 SH   SOLE   15,192 0 0
The Blackstone Group COM UNIT LTD 09260D107 1,431 32,222 SH   SOLE   32,222 0 0
TJX Companies COM 872540109 206 3,904 SH   SOLE   3,904 0 0
Total SA-Spon ADR SPON ADR 89151e109 1,020 18,288 SH   SOLE   18,288 0 0
Twitter COM 90184l102 570 16,346 SH   SOLE   16,346 0 0
Unilever N.V. ADR N Y SHS NEW 904784709 990 16,298 SH   SOLE   16,298 0 0
Unilever PLC ADR SPON ADR NEW 904767704 3,481 56,180 SH   SOLE   56,180 0 0
Union Pacific COM 907818108 404 2,387 SH   SOLE   2,387 0 0
United Parcel Service CL B 911312106 898 8,698 SH   SOLE   8,698 0 0
United Technologies COM 913017109 865 6,642 SH   SOLE   6,642 0 0
Unitedhealth Group COM 91324p102 2,656 10,886 SH   SOLE   10,886 0 0
US Bancorp COM NEW 902973304 3,664 69,927 SH   SOLE   69,927 0 0
Valero Energy COM 91913y100 342 3,996 SH   SOLE   3,996 0 0
Vanguard Dividend DIV APP ETF 921908844 1,658 14,394 SH   SOLE   14,394 0 0
Vanguard Emerging Mkts FTSE EMR MKT ETF 922042858 1,229 28,886 SH   SOLE   28,886 0 0
Vanguard FTSE Developed FTSE DEV MKT ETF 921943858 1,850 44,346 SH   SOLE   44,346 0 0
Vanguard FTSE Europe FTSE EUROPE ETF 922042874 4,113 74,921 SH   SOLE   74,921 0 0
Vanguard High Dvd Yield FTSE EMR MKT ETF 921946406 265 3,029 SH   SOLE   3,029 0 0
Vanguard Mid Cap MID CAP ETF 922908629 10,341 61,863 SH   SOLE   61,863 0 0
Vanguard Mid Cap Value MCAP VL IDXVIP 922908512 201 1,809 SH   SOLE   1,809 0 0
Vanguard Russell 1000 Value VNG RUS1000VAL 92206c714 408 3,653 SH   SOLE   3,653 0 0
Vanguard Small Cap SM CAP ETF 922908751 10,040 64,088 SH   SOLE   64,088 0 0
Vanguard Value VALUE ETF 922908744 289 2,602 SH   SOLE   2,602 0 0
Vanguard World ex-US ALLWRLD EX US 922042775 1,034 20,288 SH   SOLE   20,288 0 0
Verizon COM 92343v104 2,310 40,436 SH   SOLE   40,436 0 0
Vertex Pharmaceuticals COM 92532f100 333 1,814 SH   SOLE   1,814 0 0
VF Corp COM 918204108 233 2,667 SH   SOLE   2,667 0 0
Viacom Cl B CL B 92553p201 4,494 150,450 SH   SOLE   150,450 0 0
Visa COM CL A 92826c839 916 5,277 SH   SOLE   5,277 0 0
Walgreens COM 931427108 474 8,665 SH   SOLE   8,665 0 0
Walmart COM 931142103 20,836 188,578 SH   SOLE   188,578 0 0
Waste Management COM 94106L109 41,558 360,215 SH   SOLE   360,215 0 0
Wells Fargo COM 949746101 23,208 490,439 SH   SOLE   490,439 0 0
Western Digital COM 958102105 208 4,364 SH   SOLE   4,364 0 0
WP Carey COM 92936u109 24,758 304,980 SH   SOLE   304,980 0 0
Zoetis CL A 98978v103 3,836 33,797 SH   SOLE   33,797 0 0