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 Co. | COM | 88579y101 | 1,093 | 6,626 | SH | | SOLE | | 6,626 | 0 | 0 |
AFLAC Inc. | COM | 001055102 | 340 | 5,315 | SH | | SOLE | | 5,315 | 0 | 0 |
AT&T, Inc. | COM | 00206r102 | 1,650 | 50,532 | SH | | SOLE | | 50,532 | 0 | 0 |
AbbVie Inc. | COM | 00287y109 | 5,223 | 89,226 | SH | | SOLE | | 88,926 | 0 | 300 |
Abbott Laboratories | COM | 002824100 | 5,635 | 121,631 | SH | | SOLE | | 121,231 | 0 | 400 |
Actavis PLC | COM | G0083B108 | 8,842 | 29,710 | SH | | SOLE | | 29,568 | 0 | 142 |
Affiliated Managers Group, Inc | COM | 008252108 | 5,482 | 25,525 | SH | | SOLE | | 25,400 | 0 | 125 |
Air Products & Chemicals Inc | COM | 009158106 | 4,382 | 28,964 | SH | | SOLE | | 28,714 | 0 | 250 |
AmTrust Financial Services | COM | 032359309 | 6,935 | 121,700 | SH | | SOLE | | 121,250 | 0 | 450 |
AmerisourceBergen Corp. | COM | 03073e105 | 2,581 | 22,710 | SH | | SOLE | | 22,610 | 0 | 100 |
Anadarko Petroleum Corp. | COM | 032511107 | 268 | 3,236 | SH | | SOLE | | 3,036 | 0 | 200 |
Annaly Mortgage Management, In | COM | 035710409 | 1,213 | 116,590 | SH | | SOLE | | 116,590 | 0 | 0 |
Apple Computer | COM | 037833100 | 7,618 | 61,220 | SH | | SOLE | | 60,890 | 0 | 330 |
AstraZeneca PLC Spon ADR | COM | 046353108 | 226 | 3,300 | SH | | SOLE | | 3,300 | 0 | 0 |
Automatic Data Processing | COM | 053015103 | 921 | 10,754 | SH | | SOLE | | 10,754 | 0 | 0 |
B&G Foods, Inc. | COM | 05508R106 | 269 | 9,125 | SH | | SOLE | | 9,125 | 0 | 0 |
BCE Inc. | COM | 05534b760 | 4,043 | 95,453 | SH | | SOLE | | 95,153 | 0 | 300 |
Bank of America Corp. | COM | 060505104 | 1,206 | 78,393 | SH | | SOLE | | 78,393 | 0 | 0 |
Berkshire Hathaway Inc. Cl B | COM | 084670702 | 740 | 5,127 | SH | | SOLE | | 5,127 | 0 | 0 |
Biogen Idec Inc. | COM | 09062X103 | 353 | 837 | SH | | SOLE | | 837 | 0 | 0 |
Boeing Co. | COM | 097023105 | 5,709 | 38,038 | SH | | SOLE | | 37,865 | 0 | 173 |
Brinker International Inc. | COM | 109641100 | 6,162 | 100,105 | SH | | SOLE | | 99,655 | 0 | 450 |
Bristol-Myers Squibb | COM | 110122108 | 438 | 6,793 | SH | | SOLE | | 6,793 | 0 | 0 |
Buckeye Partners L P Unit Ltd | COM | 118230101 | 673 | 8,905 | SH | | SOLE | | 8,905 | 0 | 0 |
CVS Health Corp. | COM | 126650100 | 5,092 | 49,334 | SH | | SOLE | | 48,909 | 0 | 425 |
CYS Investments Inc | COM | 12673a108 | 569 | 63,900 | SH | | SOLE | | 63,900 | 0 | 0 |
Cadence Design Systems, Inc. | COM | 127387108 | 494 | 26,800 | SH | | SOLE | | 26,800 | 0 | 0 |
Capstead Mortgage Corp. | COM | 14067E506 | 667 | 56,650 | SH | | SOLE | | 56,650 | 0 | 0 |
Celgene Corp. | COM | 151020104 | 536 | 4,650 | SH | | SOLE | | 4,650 | 0 | 0 |
Cerner Corporation | COM | 156782104 | 699 | 9,535 | SH | | SOLE | | 9,535 | 0 | 0 |
Check Point Software | COM | M22465104 | 5,829 | 71,115 | SH | | SOLE | | 70,705 | 0 | 410 |
ChevronTexaco Corporation | COM | 166764100 | 6,155 | 58,629 | SH | | SOLE | | 58,464 | 0 | 165 |
Citizens & Northern Corp. | COM | 172922106 | 391 | 19,400 | SH | | SOLE | | 19,400 | 0 | 0 |
Coca-Cola Co. | COM | 191216100 | 765 | 18,876 | SH | | SOLE | | 18,876 | 0 | 0 |
Community Bank System Inc | COM | 203607106 | 1,025 | 28,967 | SH | | SOLE | | 28,967 | 0 | 0 |
ConocoPhillips | COM | 20825C104 | 1,692 | 27,181 | SH | | SOLE | | 26,956 | 0 | 225 |
Costco Wholesale | COM | 22160k105 | 353 | 2,329 | SH | | SOLE | | 2,329 | 0 | 0 |
Diageo PLC Spon ADR | COM | 25243q205 | 574 | 5,191 | SH | | SOLE | | 5,191 | 0 | 0 |
Discover Financial Services | COM | 254709108 | 4,647 | 82,464 | SH | | SOLE | | 82,064 | 0 | 400 |
Disney, Walt | COM | 254687106 | 531 | 5,065 | SH | | SOLE | | 5,065 | 0 | 0 |
Donaldson Co. Inc. | COM | 257651109 | 262 | 6,940 | SH | | SOLE | | 6,940 | 0 | 0 |
Dow Chemical Company | COM | 260543103 | 2,538 | 52,896 | SH | | SOLE | | 52,896 | 0 | 0 |
Du Pont, E. I. | COM | 263534109 | 631 | 8,828 | SH | | SOLE | | 8,828 | 0 | 0 |
Emerson Electric Co | COM | 291011104 | 420 | 7,415 | SH | | SOLE | | 7,415 | 0 | 0 |
Enbridge Energy Partners, L.P. | COM | 29250r106 | 2,173 | 60,342 | SH | | SOLE | | 60,342 | 0 | 0 |
Energy Transfer Partners, L.P. | COM | 29273R109 | 3,268 | 58,612 | SH | | SOLE | | 58,512 | 0 | 100 |
Energy XXI (Bermuda) Ltd. | COM | G10082140 | 228 | 62,500 | SH | | SOLE | | 62,500 | 0 | 0 |
Enterprise Products Partners L | COM | 293792107 | 403 | 12,232 | SH | | SOLE | | 12,232 | 0 | 0 |
Enzo Biochem, Inc. | COM | 294100102 | 41 | 14,000 | SH | | SOLE | | 14,000 | 0 | 0 |
Exxon Mobil Corp. | COM | 30231G102 | 6,459 | 75,984 | SH | | SOLE | | 75,984 | 0 | 0 |
Fifth Third Bancorp | COM | 316773100 | 4,696 | 249,102 | SH | | SOLE | | 248,202 | 0 | 900 |
General Electric Company | COM | 369604103 | 7,800 | 314,404 | SH | | SOLE | | 313,804 | 0 | 600 |
Google, Inc. Cl C | COM | 38259P706 | 3,528 | 6,438 | SH | | SOLE | | 6,405 | 0 | 33 |
Grainger, W. W. | COM | 384802104 | 4,678 | 19,837 | SH | | SOLE | | 19,737 | 0 | 100 |
Halliburton Company | COM | 406216101 | 1,879 | 42,823 | SH | | SOLE | | 42,648 | 0 | 175 |
Health Care REIT, Inc. | COM | 42217K106 | 1,334 | 17,238 | SH | | SOLE | | 17,238 | 0 | 0 |
Henry Jack & Associates Inc. | COM | 426281101 | 217 | 3,100 | SH | | SOLE | | 3,100 | 0 | 0 |
Home Depot Inc. | COM | 437076102 | 321 | 2,823 | SH | | SOLE | | 2,823 | 0 | 0 |
Honeywell International | COM | 438516106 | 275 | 2,641 | SH | | SOLE | | 2,641 | 0 | 0 |
HouseRaising, Inc. | COM | 44183w106 | 0 | 10,000 | SH | | SOLE | | 10,000 | 0 | 0 |
Illinois Tool Works | COM | 452308109 | 400 | 4,116 | SH | | SOLE | | 4,116 | 0 | 0 |
Intel Corporation | COM | 458140100 | 410 | 13,117 | SH | | SOLE | | 13,117 | 0 | 0 |
International Business Machine | COM | 459200101 | 447 | 2,785 | SH | | SOLE | | 2,785 | 0 | 0 |
Invesco Limited | COM | g491bt108 | 2,777 | 69,978 | SH | | SOLE | | 69,778 | 0 | 200 |
J.P. Morgan Chase | COM | 46625h100 | 687 | 11,338 | SH | | SOLE | | 11,338 | 0 | 0 |
Johnson & Johnson | COM | 478160104 | 9,442 | 93,861 | SH | | SOLE | | 93,461 | 0 | 400 |
Kelly Services Cl A | COM | 488152208 | 919 | 52,700 | SH | | SOLE | | 52,700 | 0 | 0 |
KeyCorp | COM | 493267108 | 4,151 | 293,167 | SH | | SOLE | | 292,417 | 0 | 750 |
Keysight Technologies, Inc. | COM | 49338L103 | 5,367 | 144,455 | SH | | SOLE | | 143,505 | 0 | 950 |
Kimberly-Clark Corp. | COM | 494368103 | 1,081 | 10,094 | SH | | SOLE | | 10,094 | 0 | 0 |
Liberty Property Trust | COM | 531172104 | 4,617 | 129,331 | SH | | SOLE | | 128,756 | 0 | 575 |
Lockheed Martin Corp | COM | 539830109 | 457 | 2,252 | SH | | SOLE | | 2,252 | 0 | 0 |
Magellan Midstream Partners, L | COM | 559080106 | 209 | 2,725 | SH | | SOLE | | 2,725 | 0 | 0 |
Mattel, Inc. | COM | 577081102 | 206 | 9,025 | SH | | SOLE | | 9,025 | 0 | 0 |
McDonald's Corp. | COM | 580135101 | 228 | 2,336 | SH | | SOLE | | 2,336 | 0 | 0 |
Merck & Co. | COM | 58933Y105 | 1,366 | 23,772 | SH | | SOLE | | 23,772 | 0 | 0 |
Microsoft Corp. | COM | 594918104 | 7,415 | 182,385 | SH | | SOLE | | 181,460 | 0 | 925 |
Nestle SA Spon ADR | COM | 641069406 | 6,329 | 84,140 | SH | | SOLE | | 83,791 | 0 | 349 |
NextEra Energy, Inc. | COM | 65339F101 | 277 | 2,659 | SH | | SOLE | | 2,659 | 0 | 0 |
Nordstrom, Inc. | COM | 655664100 | 5,855 | 72,900 | SH | | SOLE | | 72,450 | 0 | 450 |
Novartis AG Spon Adr | COM | 66987v109 | 211 | 2,135 | SH | | SOLE | | 2,135 | 0 | 0 |
Omnicom Group | COM | 681919106 | 5,176 | 66,370 | SH | | SOLE | | 66,120 | 0 | 250 |
PNC Financial Services Group, | COM | 693475105 | 6,751 | 72,406 | SH | | SOLE | | 72,231 | 0 | 175 |
PPL Corporation | COM | 69351T106 | 4,666 | 138,633 | SH | | SOLE | | 138,033 | 0 | 600 |
Pardee Resources Company, Inc. | COM | 699437109 | 1,126 | 4,750 | SH | | SOLE | | 4,750 | 0 | 0 |
PepsiCo Inc. | COM | 713448108 | 6,652 | 69,565 | SH | | SOLE | | 69,265 | 0 | 300 |
Pfizer, Inc. | COM | 717081103 | 1,335 | 38,366 | SH | | SOLE | | 38,366 | 0 | 0 |
Plains All Amer Pipeline LP | COM | 726503105 | 5,069 | 103,944 | SH | | SOLE | | 103,644 | 0 | 300 |
Praxair Inc. | COM | 74005P104 | 205 | 1,697 | SH | | SOLE | | 1,697 | 0 | 0 |
Procter & Gamble | COM | 742718109 | 2,575 | 31,431 | SH | | SOLE | | 31,431 | 0 | 0 |
Qualcomm Inc. | COM | 747525103 | 3,810 | 54,940 | SH | | SOLE | | 54,615 | 0 | 325 |
Raytheon Company | COM | 755111507 | 264 | 2,421 | SH | | SOLE | | 2,421 | 0 | 0 |
Regions Financial Corporation | COM | 7591ep100 | 792 | 83,828 | SH | | SOLE | | 83,828 | 0 | 0 |
Roper Technologies | COM | 776696106 | 2,399 | 13,945 | SH | | SOLE | | 13,945 | 0 | 0 |
Royal Dutch Shell PLC Spons AD | COM | 780259206 | 202 | 3,384 | SH | | SOLE | | 3,384 | 0 | 0 |
Schlumberger Ltd | COM | 806857108 | 782 | 9,376 | SH | | SOLE | | 9,376 | 0 | 0 |
Sherwin Williams | COM | 824348106 | 504 | 1,773 | SH | | SOLE | | 1,773 | 0 | 0 |
Southern Company | COM | 842587107 | 323 | 7,293 | SH | | SOLE | | 7,293 | 0 | 0 |
Stryker Corporation | COM | 863667101 | 355 | 3,850 | SH | | SOLE | | 3,850 | 0 | 0 |
Sun Communities Inc. | COM | 866674104 | 1,951 | 29,235 | SH | | SOLE | | 29,235 | 0 | 0 |
SunTrust Banks | COM | 867914103 | 2,877 | 70,009 | SH | | SOLE | | 69,809 | 0 | 200 |
Sysco Corp. | COM | 871829107 | 287 | 7,606 | SH | | SOLE | | 7,606 | 0 | 0 |
TJX Companies Inc. | COM | 872540109 | 7,579 | 108,199 | SH | | SOLE | | 107,599 | 0 | 600 |
Terra Nitrogen Company, LP | COM | 881005201 | 1,359 | 9,325 | SH | | SOLE | | 9,325 | 0 | 0 |
The Fresh Market Inc. | COM | 35804H106 | 2,814 | 69,250 | SH | | SOLE | | 69,050 | 0 | 200 |
Total System Services, Inc. | COM | 891906109 | 244 | 6,400 | SH | | SOLE | | 6,400 | 0 | 0 |
Union Pacific Corp. | COM | 907818108 | 1,837 | 16,962 | SH | | SOLE | | 16,962 | 0 | 0 |
United Parcel Service, Inc. Cl | COM | 911312106 | 4,098 | 42,273 | SH | | SOLE | | 42,198 | 0 | 75 |
United Technologies | COM | 913017109 | 7,063 | 60,262 | SH | | SOLE | | 59,987 | 0 | 275 |
VIVUS, Inc. | COM | 928551100 | 60 | 24,500 | SH | | SOLE | | 24,500 | 0 | 0 |
Verizon Communications | COM | 92343v104 | 3,545 | 72,899 | SH | | SOLE | | 72,824 | 0 | 75 |
Weatherford Int'l plc | COM | G48833100 | 731 | 59,400 | SH | | SOLE | | 59,400 | 0 | 0 |
Whiting Petroleum Corp. | COM | 966387102 | 1,248 | 40,375 | SH | | SOLE | | 40,175 | 0 | 200 |
Wisconsin Energy Corp. | COM | 976657106 | 347 | 7,000 | SH | | SOLE | | 7,000 | 0 | 0 |
AllianzGI NFJ Dividend Int & P | XTMF | 01883A107 | 190 | 11,613 | SH | | SOLE | | 1,613 | 0 | 0 |
iShares Nasdaq Biotechnology I | XTMF | 464287556 | 1,716 | 4,998 | SH | | SOLE | | 4,813 | 0 | 185 |
iShares Russell 1000 Value Ind | XTMF | 464287598 | 412 | 4,000 | SH | | SOLE | | 4,000 | 0 | 0 |
iShares Russell 2000 Index Fun | XTMF | 464287655 | 366 | 2,939 | SH | | SOLE | | 2,939 | 0 | 0 |
iShares Russell 2000 Value Ind | XTMF | 464287630 | 6,176 | 59,844 | SH | | SOLE | | 9,804 | 0 | 40 |
iShares Russell Midcap Index F | XTMF | 464287499 | 350 | 2,020 | SH | | SOLE | | 2,020 | 0 | 0 |
iShares S&P 500 Index Fund | XTMF | 464287200 | 312 | 1,500 | SH | | SOLE | | 1,500 | 0 | 0 |
iShares S&P SmallCap 600 Index | XTMF | 464287804 | 438 | 3,715 | SH | | SOLE | | 3,115 | 0 | 600 |
Vanguard Emerging Markets | XTIF | 922042858 | 293 | 7,181 | SH | | SOLE | | 7,181 | 0 | 0 |
iShares MSCI EAFE Index Fund | XTIF | 464287465 | 486 | 7,578 | SH | | SOLE | | 6,678 | 0 | 900 |
SPDR Gold Trust | XTAL | 78463v107 | 315 | 2,775 | SH | | SOLE | | 2,775 | 0 | 0 |
Vanguard Short-Term Bond Fund | XTMI | 921937827 | 1,193 | 14,815 | SH | | SOLE | | 4,815 | 0 | 0 |
iShares Barclays US TIPS Fund | XTMI | 464287176 | 233 | 2,050 | SH | | SOLE | | 2,050 | 0 | 0 |