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 | 1,094 | 7,092 | SH | | SOLE | | 7,092 | 0 | 0 |
AFLAC Inc. | COM | 001055102 | 331 | 5,315 | SH | | SOLE | | 5,315 | 0 | 0 |
AT&T, Inc. | COM | 00206r102 | 1,807 | 50,880 | SH | | SOLE | | 50,880 | 0 | 0 |
AbbVie Inc. | COM | 00287y109 | 5,898 | 87,777 | SH | | SOLE | | 87,552 | 0 | 225 |
Abbott Laboratories | COM | 002824100 | 6,074 | 123,767 | SH | | SOLE | | 123,367 | 0 | 400 |
Affiliated Managers Group, Inc | COM | 008252108 | 5,525 | 25,275 | SH | | SOLE | | 25,150 | 0 | 125 |
Air Products & Chemicals Inc | COM | 009158106 | 3,898 | 28,489 | SH | | SOLE | | 28,239 | 0 | 250 |
Allergan PLC | COM | G0177J108 | 8,586 | 28,295 | SH | | SOLE | | 28,153 | 0 | 142 |
AmTrust Financial Services | COM | 032359309 | 7,742 | 118,175 | SH | | SOLE | | 118,075 | 0 | 100 |
AmerisourceBergen Corp. | COM | 03073e105 | 4,547 | 42,760 | SH | | SOLE | | 42,610 | 0 | 150 |
Anadarko Petroleum Corp. | COM | 032511107 | 236 | 3,027 | SH | | SOLE | | 2,827 | 0 | 200 |
Annaly Mortgage Management, In | COM | 035710409 | 920 | 100,157 | SH | | SOLE | | 100,157 | 0 | 0 |
Apple Computer | COM | 037833100 | 7,598 | 60,575 | SH | | SOLE | | 60,245 | 0 | 330 |
AstraZeneca PLC Spon ADR | COM | 046353108 | 210 | 3,300 | SH | | SOLE | | 3,300 | 0 | 0 |
Automatic Data Processing | COM | 053015103 | 843 | 10,504 | SH | | SOLE | | 10,504 | 0 | 0 |
B&G Foods, Inc. | COM | 05508R106 | 246 | 8,625 | SH | | SOLE | | 8,625 | 0 | 0 |
BCE Inc. | COM | 05534b760 | 4,111 | 96,728 | SH | | SOLE | | 96,428 | 0 | 300 |
Bank of America Corp. | COM | 060505104 | 1,336 | 78,493 | SH | | SOLE | | 78,493 | 0 | 0 |
Berkshire Hathaway Inc. Cl B | COM | 084670702 | 698 | 5,127 | SH | | SOLE | | 5,127 | 0 | 0 |
Biogen Idec Inc. | COM | 09062X103 | 329 | 815 | SH | | SOLE | | 815 | 0 | 0 |
Boeing Co. | COM | 097023105 | 5,308 | 38,263 | SH | | SOLE | | 38,090 | 0 | 173 |
Brinker International Inc. | COM | 109641100 | 653 | 11,325 | SH | | SOLE | | 11,325 | 0 | 0 |
Bristol-Myers Squibb | COM | 110122108 | 475 | 7,143 | SH | | SOLE | | 7,143 | 0 | 0 |
Buckeye Partners L P Unit Ltd | COM | 118230101 | 658 | 8,905 | SH | | SOLE | | 8,905 | 0 | 0 |
CDK Global, Inc. | COM | 12508E101 | 204 | 3,773 | SH | | SOLE | | 3,773 | 0 | 0 |
CVS Health Corp. | COM | 126650100 | 7,224 | 68,883 | SH | | SOLE | | 68,458 | 0 | 425 |
CYS Investments Inc | COM | 12673a108 | 502 | 64,900 | SH | | SOLE | | 64,900 | 0 | 0 |
Capstead Mortgage Corp. | COM | 14067E506 | 645 | 58,150 | SH | | SOLE | | 58,150 | 0 | 0 |
Celgene Corp. | COM | 151020104 | 538 | 4,650 | SH | | SOLE | | 4,650 | 0 | 0 |
Cerner Corporation | COM | 156782104 | 665 | 9,635 | SH | | SOLE | | 9,535 | 0 | 100 |
Check Point Software | COM | M22465104 | 5,998 | 75,400 | SH | | SOLE | | 74,990 | 0 | 410 |
ChevronTexaco Corporation | COM | 166764100 | 5,873 | 60,877 | SH | | SOLE | | 60,712 | 0 | 165 |
Citizens & Northern Corp. | COM | 172922106 | 409 | 19,900 | SH | | SOLE | | 19,900 | 0 | 0 |
Coca-Cola Co. | COM | 191216100 | 732 | 18,651 | SH | | SOLE | | 18,651 | 0 | 0 |
Community Bank System Inc | COM | 203607106 | 1,094 | 28,967 | SH | | SOLE | | 28,967 | 0 | 0 |
ConocoPhillips | COM | 20825C104 | 1,476 | 24,031 | SH | | SOLE | | 23,806 | 0 | 225 |
Costco Wholesale | COM | 22160k105 | 6,152 | 45,552 | SH | | SOLE | | 45,377 | 0 | 175 |
Danaher Corp | COM | 235851102 | 210 | 2,455 | SH | | SOLE | | 2,355 | 0 | 100 |
Diageo PLC Spon ADR | COM | 25243q205 | 618 | 5,326 | SH | | SOLE | | 5,326 | 0 | 0 |
Discover Financial Services | COM | 254709108 | 4,813 | 83,524 | SH | | SOLE | | 83,124 | 0 | 400 |
Disney, Walt | COM | 254687106 | 561 | 4,915 | SH | | SOLE | | 4,915 | 0 | 0 |
Donaldson Co. Inc. | COM | 257651109 | 248 | 6,940 | SH | | SOLE | | 6,940 | 0 | 0 |
Dow Chemical Company | COM | 260543103 | 3,064 | 59,871 | SH | | SOLE | | 59,871 | 0 | 0 |
Du Pont, E. I. | COM | 263534109 | 565 | 8,828 | SH | | SOLE | | 8,828 | 0 | 0 |
Emerson Electric Co | COM | 291011104 | 478 | 8,632 | SH | | SOLE | | 8,632 | 0 | 0 |
Enbridge Energy Partners, L.P. | COM | 29250r106 | 1,986 | 59,573 | SH | | SOLE | | 59,573 | 0 | 0 |
Energy Transfer Partners, L.P. | COM | 29273R109 | 3,072 | 58,850 | SH | | SOLE | | 58,750 | 0 | 100 |
Energy XXI (Bermuda) Ltd. | COM | G10082140 | 149 | 56,725 | SH | | SOLE | | 56,725 | 0 | 0 |
Enterprise Products Partners L | COM | 293792107 | 366 | 12,232 | SH | | SOLE | | 12,232 | 0 | 0 |
Enzo Biochem, Inc. | COM | 294100102 | 42 | 14,000 | SH | | SOLE | | 14,000 | 0 | 0 |
Exxon Mobil Corp. | COM | 30231G102 | 6,258 | 75,213 | SH | | SOLE | | 75,213 | 0 | 0 |
Fifth Third Bancorp | COM | 316773100 | 5,253 | 252,302 | SH | | SOLE | | 251,402 | 0 | 900 |
General Electric Company | COM | 369604103 | 8,160 | 307,121 | SH | | SOLE | | 306,521 | 0 | 600 |
Google, Inc. Cl C | COM | 38259P706 | 5,579 | 10,719 | SH | | SOLE | | 10,661 | 0 | 58 |
Grainger, W. W. | COM | 384802104 | 4,819 | 20,362 | SH | | SOLE | | 20,262 | 0 | 100 |
Halliburton Company | COM | 406216101 | 1,840 | 42,713 | SH | | SOLE | | 42,538 | 0 | 175 |
Health Care REIT, Inc. | COM | 42217K106 | 1,136 | 17,316 | SH | | SOLE | | 17,316 | 0 | 0 |
Henry Jack & Associates Inc. | COM | 426281101 | 201 | 3,100 | SH | | SOLE | | 3,100 | 0 | 0 |
Home Depot Inc. | COM | 437076102 | 347 | 3,126 | SH | | SOLE | | 3,126 | 0 | 0 |
Honeywell International | COM | 438516106 | 269 | 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 | 364 | 3,966 | SH | | SOLE | | 3,966 | 0 | 0 |
Intel Corporation | COM | 458140100 | 428 | 14,075 | SH | | SOLE | | 14,075 | 0 | 0 |
International Business Machine | COM | 459200101 | 453 | 2,785 | SH | | SOLE | | 2,785 | 0 | 0 |
Invesco Limited | COM | g491bt108 | 3,520 | 93,890 | SH | | SOLE | | 93,415 | 0 | 475 |
J.P. Morgan Chase | COM | 46625h100 | 741 | 10,938 | SH | | SOLE | | 10,938 | 0 | 0 |
Johnson & Johnson | COM | 478160104 | 9,245 | 94,856 | SH | | SOLE | | 94,456 | 0 | 400 |
Kelly Services Cl A | COM | 488152208 | 809 | 52,700 | SH | | SOLE | | 52,700 | 0 | 0 |
KeyCorp | COM | 493267108 | 4,425 | 294,617 | SH | | SOLE | | 293,867 | 0 | 750 |
Keysight Technologies, Inc. | COM | 49338L103 | 4,967 | 159,243 | SH | | SOLE | | 158,293 | 0 | 950 |
Kimberly-Clark Corp. | COM | 494368103 | 1,109 | 10,469 | SH | | SOLE | | 10,469 | 0 | 0 |
Liberty Property Trust | COM | 531172104 | 3,080 | 95,598 | SH | | SOLE | | 95,348 | 0 | 250 |
Lockheed Martin Corp | COM | 539830109 | 436 | 2,347 | SH | | SOLE | | 2,347 | 0 | 0 |
McGraw Hill Financial, Inc. | COM | 580645109 | 413 | 4,114 | SH | | SOLE | | 4,114 | 0 | 0 |
Merck & Co. | COM | 58933Y105 | 1,364 | 23,966 | SH | | SOLE | | 23,966 | 0 | 0 |
Microsoft Corp. | COM | 594918104 | 8,144 | 184,461 | SH | | SOLE | | 183,536 | 0 | 925 |
Nestle SA Spon ADR | COM | 641069406 | 6,166 | 85,443 | SH | | SOLE | | 85,094 | 0 | 349 |
NextEra Energy, Inc. | COM | 65339F101 | 284 | 2,893 | SH | | SOLE | | 2,893 | 0 | 0 |
Nordstrom, Inc. | COM | 655664100 | 5,750 | 77,175 | SH | | SOLE | | 76,725 | 0 | 450 |
Novartis AG Spon Adr | COM | 66987v109 | 239 | 2,435 | SH | | SOLE | | 2,435 | 0 | 0 |
Omnicom Group | COM | 681919106 | 4,698 | 67,607 | SH | | SOLE | | 67,357 | 0 | 250 |
PNC Financial Services Group, | COM | 693475105 | 7,166 | 74,919 | SH | | SOLE | | 74,744 | 0 | 175 |
PPL Corporation | COM | 69351T106 | 4,163 | 141,273 | SH | | SOLE | | 140,673 | 0 | 600 |
Pardee Resources Company, Inc. | COM | 699437109 | 1,140 | 4,750 | SH | | SOLE | | 4,750 | 0 | 0 |
PepsiCo Inc. | COM | 713448108 | 6,493 | 69,559 | SH | | SOLE | | 69,259 | 0 | 300 |
Pfizer, Inc. | COM | 717081103 | 1,414 | 42,166 | SH | | SOLE | | 42,166 | 0 | 0 |
Plains All Amer Pipeline LP | COM | 726503105 | 4,581 | 105,144 | SH | | SOLE | | 104,844 | 0 | 300 |
Praxair Inc. | COM | 74005P104 | 203 | 1,697 | SH | | SOLE | | 1,697 | 0 | 0 |
Procter & Gamble | COM | 742718109 | 2,516 | 32,158 | SH | | SOLE | | 32,158 | 0 | 0 |
Qualcomm Inc. | COM | 747525103 | 3,553 | 56,731 | SH | | SOLE | | 56,531 | 0 | 200 |
Regions Financial Corporation | COM | 7591ep100 | 681 | 65,753 | SH | | SOLE | | 65,753 | 0 | 0 |
Roper Technologies | COM | 776696106 | 2,371 | 13,750 | SH | | SOLE | | 13,750 | 0 | 0 |
Schlumberger Ltd | COM | 806857108 | 795 | 9,226 | SH | | SOLE | | 9,226 | 0 | 0 |
Sherwin Williams | COM | 824348106 | 467 | 1,698 | SH | | SOLE | | 1,698 | 0 | 0 |
Southern Company | COM | 842587107 | 333 | 7,943 | SH | | SOLE | | 7,943 | 0 | 0 |
Stryker Corporation | COM | 863667101 | 368 | 3,850 | SH | | SOLE | | 3,850 | 0 | 0 |
Sun Communities Inc. | COM | 866674104 | 1,816 | 29,375 | SH | | SOLE | | 29,375 | 0 | 0 |
SunTrust Banks | COM | 867914103 | 3,171 | 73,717 | SH | | SOLE | | 73,517 | 0 | 200 |
Sysco Corp. | COM | 871829107 | 275 | 7,606 | SH | | SOLE | | 7,606 | 0 | 0 |
TJX Companies Inc. | COM | 872540109 | 7,082 | 107,024 | SH | | SOLE | | 106,424 | 0 | 600 |
Talen Energy Corp | COM | 87422J105 | 238 | 13,874 | SH | | SOLE | | 13,862 | 0 | 12 |
Terra Nitrogen Company, LP | COM | 881005201 | 1,305 | 10,775 | SH | | SOLE | | 10,775 | 0 | 0 |
The Fresh Market Inc. | COM | 35804H106 | 3,023 | 94,050 | SH | | SOLE | | 93,850 | 0 | 200 |
Total System Services, Inc. | COM | 891906109 | 267 | 6,400 | SH | | SOLE | | 6,400 | 0 | 0 |
Union Pacific Corp. | COM | 907818108 | 1,427 | 14,963 | SH | | SOLE | | 14,963 | 0 | 0 |
United Parcel Service, Inc. Cl | COM | 911312106 | 3,878 | 40,014 | SH | | SOLE | | 39,939 | 0 | 75 |
United Technologies | COM | 913017109 | 6,715 | 60,531 | SH | | SOLE | | 60,256 | 0 | 275 |
VIVUS, Inc. | COM | 928551100 | 58 | 24,500 | SH | | SOLE | | 24,500 | 0 | 0 |
Verizon Communications | COM | 92343v104 | 3,585 | 76,916 | SH | | SOLE | | 76,841 | 0 | 75 |
WP Carey Inc | COM | 92936U109 | 298 | 5,050 | SH | | SOLE | | 5,050 | 0 | 0 |
Walgreens Boots Alliance, Inc. | COM | 931427108 | 277 | 3,285 | SH | | SOLE | | 3,285 | 0 | 0 |
Waste Management Inc. | COM | 94106L109 | 376 | 8,104 | SH | | SOLE | | 8,104 | 0 | 0 |
Weatherford Int'l plc | COM | G48833100 | 673 | 54,850 | SH | | SOLE | | 54,850 | 0 | 0 |
Whiting Petroleum Corp. | COM | 966387102 | 1,560 | 46,420 | SH | | SOLE | | 46,220 | 0 | 200 |
Wisconsin Energy Corp. | COM | 976657106 | 315 | 7,000 | SH | | SOLE | | 7,000 | 0 | 0 |
AllianzGI NFJ Dividend Int & P | XTMF | 01883A107 | 174 | 11,523 | SH | | SOLE | | 1,523 | 0 | 0 |
iShares Nasdaq Biotechnology I | XTMF | 464287556 | 2,750 | 7,453 | SH | | SOLE | | 7,268 | 0 | 185 |
iShares Russell 1000 Value Ind | XTMF | 464287598 | 413 | 4,000 | SH | | SOLE | | 4,000 | 0 | 0 |
iShares Russell 2000 Index Fun | XTMF | 464287655 | 390 | 3,122 | SH | | SOLE | | 3,122 | 0 | 0 |
iShares Russell 2000 Value Ind | XTMF | 464287630 | 6,434 | 63,099 | SH | | SOLE | | 3,059 | 0 | 40 |
iShares Russell Midcap Index F | XTMF | 464287499 | 368 | 2,162 | SH | | SOLE | | 2,162 | 0 | 0 |
iShares S&P SmallCap 600 Index | XTMF | 464287804 | 442 | 3,750 | SH | | SOLE | | 3,150 | 0 | 600 |
Vanguard Emerging Markets | XTIF | 922042858 | 273 | 6,681 | SH | | SOLE | | 6,681 | 0 | 0 |
iShares MSCI EAFE Index Fund | XTIF | 464287465 | 475 | 7,478 | SH | | SOLE | | 6,578 | 0 | 900 |
SPDR Gold Trust | XTAL | 78463v107 | 312 | 2,775 | SH | | SOLE | | 2,775 | 0 | 0 |
iShares Barclays US TIPS Fund | XTMI | 464287176 | 230 | 2,050 | SH | | SOLE | | 2,050 | 0 | 0 |