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 | 1,421 | 9,430 | SH | | SOLE | | 9,430 | 0 | 0 |
AFLAC Inc. | COM | 001055102 | 305 | 5,100 | SH | | SOLE | | 5,100 | 0 | 0 |
AT&T, Inc. | COM | 00206r102 | 1,779 | 51,686 | SH | | SOLE | | 50,636 | 0 | 1,050 |
Abbott Laboratories | COM | 002824100 | 5,967 | 132,873 | SH | | SOLE | | 131,898 | 0 | 975 |
Affiliated Managers Group, Inc | COM | 008252108 | 1,582 | 9,905 | SH | | SOLE | | 9,905 | 0 | 0 |
Air Products & Chemicals Inc | COM | 009158106 | 4,813 | 36,989 | SH | | SOLE | | 36,914 | 0 | 75 |
Allergan PLC | COM | G0177J108 | 7,488 | 23,961 | SH | | SOLE | | 23,921 | 0 | 40 |
Alphabet Inc. Cl C | COM | 02079K107 | 8,153 | 10,744 | SH | | SOLE | | 10,708 | 0 | 36 |
AmTrust Financial Services | COM | 032359309 | 7,070 | 114,816 | SH | | SOLE | | 114,466 | 0 | 350 |
Amazon.com Inc. | COM | 023135106 | 226 | 335 | SH | | SOLE | | 325 | 0 | 10 |
AmerisourceBergen Corp. | COM | 03073e105 | 5,471 | 52,755 | SH | | SOLE | | 52,655 | 0 | 100 |
Annaly Mortgage Management, In | COM | 035710409 | 769 | 82,007 | SH | | SOLE | | 69,007 | 0 | 13,000 |
Apple Computer | COM | 037833100 | 7,011 | 66,610 | SH | | SOLE | | 66,505 | 0 | 105 |
Automatic Data Processing | COM | 053015103 | 930 | 10,974 | SH | | SOLE | | 10,974 | 0 | 0 |
B&G Foods, Inc. | COM | 05508R106 | 331 | 9,450 | SH | | SOLE | | 9,450 | 0 | 0 |
BCE Inc. | COM | 05534b760 | 3,650 | 94,513 | SH | | SOLE | | 92,563 | 0 | 1,950 |
Bank of America Corp. | COM | 060505104 | 1,326 | 78,794 | SH | | SOLE | | 74,423 | 0 | 4,371 |
Becton Dickinson & Co. | COM | 075887109 | 278 | 1,805 | SH | | SOLE | | 1,805 | 0 | 0 |
Berkshire Hathaway Inc. Cl B | COM | 084670702 | 505 | 3,827 | SH | | SOLE | | 3,827 | 0 | 0 |
Biogen Idec Inc. | COM | 09062X103 | 256 | 835 | SH | | SOLE | | 815 | 0 | 20 |
Boeing Co. | COM | 097023105 | 298 | 2,062 | SH | | SOLE | | 1,987 | 0 | 75 |
Bristol-Myers Squibb | COM | 110122108 | 509 | 7,402 | SH | | SOLE | | 7,402 | 0 | 0 |
Buckeye Partners L P Unit Ltd | COM | 118230101 | 800 | 12,130 | SH | | SOLE | | 12,130 | 0 | 0 |
CVS Health Corp. | COM | 126650100 | 7,394 | 75,622 | SH | | SOLE | | 75,472 | 0 | 150 |
CYS Investments Inc | COM | 12673a108 | 470 | 65,900 | SH | | SOLE | | 55,900 | 0 | 10,000 |
Capstead Mortgage Corp. | COM | 14067E506 | 505 | 57,800 | SH | | SOLE | | 52,800 | 0 | 5,000 |
Celgene Corp. | COM | 151020104 | 729 | 6,085 | SH | | SOLE | | 6,085 | 0 | 0 |
Cerner Corporation | COM | 156782104 | 586 | 9,735 | SH | | SOLE | | 9,735 | 0 | 0 |
Check Point Software | COM | M22465104 | 6,383 | 78,435 | SH | | SOLE | | 78,235 | 0 | 200 |
ChevronTexaco Corporation | COM | 166764100 | 5,529 | 61,463 | SH | | SOLE | | 60,713 | 0 | 750 |
Cisco Systems Inc. | COM | 17275r102 | 210 | 7,721 | SH | | SOLE | | 7,721 | 0 | 0 |
Citizens & Northern Corp. | COM | 172922106 | 411 | 19,550 | SH | | SOLE | | 17,550 | 0 | 2,000 |
Coca-Cola Co. | COM | 191216100 | 776 | 18,073 | SH | | SOLE | | 17,773 | 0 | 300 |
Community Bank System Inc | COM | 203607106 | 1,181 | 29,567 | SH | | SOLE | | 28,267 | 0 | 1,300 |
ConocoPhillips | COM | 20825C104 | 805 | 17,233 | SH | | SOLE | | 16,933 | 0 | 300 |
Costco Wholesale | COM | 22160k105 | 7,515 | 46,532 | SH | | SOLE | | 46,357 | 0 | 175 |
Danaher Corp | COM | 235851102 | 258 | 2,780 | SH | | SOLE | | 2,680 | 0 | 100 |
Deere & Co. | COM | 244199105 | 4,299 | 56,369 | SH | | SOLE | | 56,184 | 0 | 185 |
Diageo PLC Spon ADR | COM | 25243q205 | 579 | 5,312 | SH | | SOLE | | 5,312 | 0 | 0 |
Discover Financial Services | COM | 254709108 | 4,310 | 80,389 | SH | | SOLE | | 79,539 | 0 | 850 |
Disney, Walt | COM | 254687106 | 532 | 5,064 | SH | | SOLE | | 5,064 | 0 | 0 |
Dow Chemical Company | COM | 260543103 | 4,443 | 86,314 | SH | | SOLE | | 86,114 | 0 | 200 |
Du Pont, E. I. | COM | 263534109 | 499 | 7,485 | SH | | SOLE | | 7,485 | 0 | 0 |
Emerson Electric Co | COM | 291011104 | 490 | 10,242 | SH | | SOLE | | 9,742 | 0 | 500 |
Enbridge Energy Partners, L.P. | COM | 29250r106 | 1,204 | 52,173 | SH | | SOLE | | 50,673 | 0 | 1,500 |
Energy Transfer Partners, L.P. | COM | 29273R109 | 2,046 | 60,650 | SH | | SOLE | | 58,650 | 0 | 2,000 |
Enterprise Products Partners L | COM | 293792107 | 356 | 13,928 | SH | | SOLE | | 13,928 | 0 | 0 |
Enzo Biochem, Inc. | COM | 294100102 | 63 | 14,000 | SH | | SOLE | | 14,000 | 0 | 0 |
Exxon Mobil Corp. | COM | 30231G102 | 5,434 | 69,706 | SH | | SOLE | | 69,506 | 0 | 200 |
Facebook, Inc. | COM | 30303M102 | 207 | 1,975 | SH | | SOLE | | 1,975 | 0 | 0 |
Fifth Third Bancorp | COM | 316773100 | 4,872 | 242,386 | SH | | SOLE | | 241,686 | 0 | 700 |
Ford Motor Co. | COM | 345370860 | 177 | 12,542 | SH | | SOLE | | 12,542 | 0 | 0 |
General Electric Company | COM | 369604103 | 8,780 | 281,858 | SH | | SOLE | | 277,358 | 0 | 4,500 |
Halliburton Company | COM | 406216101 | 275 | 8,075 | SH | | SOLE | | 8,075 | 0 | 0 |
Henry Jack & Associates Inc. | COM | 426281101 | 244 | 3,125 | SH | | SOLE | | 3,125 | 0 | 0 |
Home Depot Inc. | COM | 437076102 | 477 | 3,604 | SH | | SOLE | | 3,604 | 0 | 0 |
Honeywell International | COM | 438516106 | 277 | 2,675 | SH | | SOLE | | 2,675 | 0 | 0 |
HouseRaising, Inc. | COM | 44183w106 | 0 | 10,000 | SH | | SOLE | | 10,000 | 0 | 0 |
Illinois Tool Works | COM | 452308109 | 351 | 3,791 | SH | | SOLE | | 3,791 | 0 | 0 |
Intel Corporation | COM | 458140100 | 534 | 15,490 | SH | | SOLE | | 15,490 | 0 | 0 |
International Business Machine | COM | 459200101 | 364 | 2,642 | SH | | SOLE | | 2,642 | 0 | 0 |
Invesco Limited | COM | g491bt108 | 2,457 | 73,375 | SH | | SOLE | | 73,225 | 0 | 150 |
J.P. Morgan Chase | COM | 46625h100 | 735 | 11,134 | SH | | SOLE | | 10,534 | 0 | 600 |
Johnson & Johnson | COM | 478160104 | 9,781 | 95,217 | SH | | SOLE | | 93,617 | 0 | 1,600 |
Kelly Services Cl A | COM | 488152208 | 851 | 52,700 | SH | | SOLE | | 52,700 | 0 | 0 |
Keurig Green Mountain, Inc. | COM | 49271M100 | 367 | 4,076 | SH | | SOLE | | 4,076 | 0 | 0 |
KeyCorp | COM | 493267108 | 3,164 | 239,867 | SH | | SOLE | | 235,967 | 0 | 3,900 |
Keysight Technologies, Inc. | COM | 49338L103 | 3,954 | 139,556 | SH | | SOLE | | 138,456 | 0 | 1,100 |
Kimberly-Clark Corp. | COM | 494368103 | 1,309 | 10,279 | SH | | SOLE | | 10,129 | 0 | 150 |
Liberty Property Trust | COM | 531172104 | 2,401 | 77,334 | SH | | SOLE | | 75,834 | 0 | 1,500 |
Lilly, Eli | COM | 532457108 | 6,212 | 73,726 | SH | | SOLE | | 73,576 | 0 | 150 |
Lockheed Martin Corp | COM | 539830109 | 416 | 1,918 | SH | | SOLE | | 1,918 | 0 | 0 |
Magellan Midstream Partners, L | COM | 559080106 | 233 | 3,425 | SH | | SOLE | | 3,425 | 0 | 0 |
McGraw Hill Financial, Inc. | COM | 580645109 | 367 | 3,727 | SH | | SOLE | | 3,727 | 0 | 0 |
Merck & Co. | COM | 58933Y105 | 1,379 | 26,106 | SH | | SOLE | | 25,706 | 0 | 400 |
Microsoft Corp. | COM | 594918104 | 10,234 | 184,470 | SH | | SOLE | | 181,245 | 0 | 3,225 |
Nestle SA Spon ADR | COM | 641069406 | 6,046 | 81,246 | SH | | SOLE | | 80,721 | 0 | 525 |
NextEra Energy, Inc. | COM | 65339F101 | 320 | 3,084 | SH | | SOLE | | 3,084 | 0 | 0 |
Nordstrom, Inc. | COM | 655664100 | 3,913 | 78,550 | SH | | SOLE | | 78,325 | 0 | 225 |
Novartis AG Spon Adr | COM | 66987v109 | 202 | 2,346 | SH | | SOLE | | 2,346 | 0 | 0 |
Occidental Petroleum | COM | 674599105 | 1,899 | 28,093 | SH | | SOLE | | 28,093 | 0 | 0 |
Omnicom Group | COM | 681919106 | 4,825 | 63,776 | SH | | SOLE | | 63,226 | 0 | 550 |
PNC Financial Services Group, | COM | 693475105 | 6,826 | 71,619 | SH | | SOLE | | 70,894 | 0 | 725 |
PPL Corporation | COM | 69351T106 | 4,710 | 137,998 | SH | | SOLE | | 134,248 | 0 | 3,750 |
Pardee Resources Company, Inc. | COM | 699437109 | 760 | 4,750 | SH | | SOLE | | 4,050 | 0 | 700 |
PepsiCo Inc. | COM | 713448108 | 6,881 | 68,870 | SH | | SOLE | | 68,420 | 0 | 450 |
Pfizer, Inc. | COM | 717081103 | 1,470 | 45,542 | SH | | SOLE | | 44,042 | 0 | 1,500 |
Plains All Amer Pipeline LP | COM | 726503105 | 2,222 | 96,211 | SH | | SOLE | | 95,711 | 0 | 500 |
Procter & Gamble | COM | 742718109 | 2,566 | 32,310 | SH | | SOLE | | 31,010 | 0 | 1,300 |
Qualcomm Inc. | COM | 747525103 | 3,515 | 70,326 | SH | | SOLE | | 70,151 | 0 | 175 |
Raytheon Company | COM | 755111507 | 255 | 2,046 | SH | | SOLE | | 2,046 | 0 | 0 |
Regions Financial Corporation | COM | 7591ep100 | 426 | 44,378 | SH | | SOLE | | 42,378 | 0 | 2,000 |
Roper Technologies | COM | 776696106 | 3,791 | 19,975 | SH | | SOLE | | 19,885 | 0 | 90 |
Schlumberger Ltd | COM | 806857108 | 1,497 | 21,458 | SH | | SOLE | | 21,458 | 0 | 0 |
Sherwin Williams | COM | 824348106 | 425 | 1,638 | SH | | SOLE | | 1,638 | 0 | 0 |
Southern Company | COM | 842587107 | 260 | 5,553 | SH | | SOLE | | 5,303 | 0 | 250 |
Stryker Corporation | COM | 863667101 | 330 | 3,548 | SH | | SOLE | | 3,548 | 0 | 0 |
Sun Communities Inc. | COM | 866674104 | 2,027 | 29,585 | SH | | SOLE | | 29,585 | 0 | 0 |
SunTrust Banks | COM | 867914103 | 3,323 | 77,575 | SH | | SOLE | | 77,385 | 0 | 190 |
Sysco Corp. | COM | 871829107 | 338 | 8,237 | SH | | SOLE | | 8,237 | 0 | 0 |
TJX Companies Inc. | COM | 872540109 | 7,513 | 105,951 | SH | | SOLE | | 105,651 | 0 | 300 |
Terra Nitrogen Company, LP | COM | 881005201 | 1,067 | 10,500 | SH | | SOLE | | 10,100 | 0 | 400 |
The Fresh Market Inc. | COM | 35804H106 | 2,859 | 122,075 | SH | | SOLE | | 121,475 | 0 | 600 |
Total System Services, Inc. | COM | 891906109 | 319 | 6,400 | SH | | SOLE | | 6,400 | 0 | 0 |
Union Pacific Corp. | COM | 907818108 | 1,156 | 14,779 | SH | | SOLE | | 14,779 | 0 | 0 |
United Parcel Service, Inc. Cl | COM | 911312106 | 4,217 | 43,821 | SH | | SOLE | | 43,721 | 0 | 100 |
United Technologies | COM | 913017109 | 5,415 | 56,368 | SH | | SOLE | | 56,218 | 0 | 150 |
VIVUS, Inc. | COM | 928551100 | 25 | 24,500 | SH | | SOLE | | 24,500 | 0 | 0 |
Verizon Communications | COM | 92343v104 | 3,602 | 77,924 | SH | | SOLE | | 76,833 | 0 | 1,091 |
Vulcan Materials Co. | COM | 929160109 | 202 | 2,125 | SH | | SOLE | | 2,125 | 0 | 0 |
WP Carey Inc | COM | 92936U109 | 311 | 5,275 | SH | | SOLE | | 5,275 | 0 | 0 |
Walgreens Boots Alliance, Inc. | COM | 931427108 | 256 | 3,002 | SH | | SOLE | | 3,002 | 0 | 0 |
Waste Management Inc. | COM | 94106L109 | 428 | 8,025 | SH | | SOLE | | 8,025 | 0 | 0 |
Weatherford Int'l plc | COM | G48833100 | 337 | 40,125 | SH | | SOLE | | 38,325 | 0 | 1,800 |
Welltower Inc. | COM | 95040Q104 | 1,103 | 16,216 | SH | | SOLE | | 15,366 | 0 | 850 |
Wisconsin Energy Corp. | COM | 92939U106 | 365 | 7,118 | SH | | SOLE | | 7,118 | 0 | 0 |
Spdr S&P Biotech ETF | XTMF | 78464a870 | 1,366 | 19,460 | SH | | SOLE | | 19,460 | 0 | 0 |
iShares Nasdaq Biotechnology I | XTMF | 464287556 | 1,839 | 5,435 | SH | | SOLE | | 5,425 | 0 | 10 |
iShares Russell 1000 Value Ind | XTMF | 464287598 | 391 | 4,000 | SH | | SOLE | | 4,000 | 0 | 0 |
iShares Russell 2000 Index Fun | XTMF | 464287655 | 357 | 3,170 | SH | | SOLE | | 3,170 | 0 | 0 |
iShares Russell 2000 Value Ind | XTMF | 464287630 | 9,029 | 98,200 | SH | | SOLE | | 97,895 | 0 | 305 |
iShares Russell Midcap Index F | XTMF | 464287499 | 346 | 2,162 | SH | | SOLE | | 2,162 | 0 | 0 |
iShares S&P SmallCap 600 Index | XTMF | 464287804 | 443 | 4,019 | SH | | SOLE | | 4,019 | 0 | 0 |
Vanguard Emerging Markets | XTIF | 922042858 | 214 | 6,531 | SH | | SOLE | | 6,531 | 0 | 0 |
iShares MSCI EAFE Index Fund | XTIF | 464287465 | 721 | 12,272 | SH | | SOLE | | 12,272 | 0 | 0 |
Vanguard Short-Term Bond Fund | XTMI | 921937827 | 774 | 9,725 | SH | | SOLE | | 9,725 | 0 | 0 |
iShares Barclays US TIPS Fund | XTMI | 464287176 | 287 | 2,621 | SH | | SOLE | | 2,621 | 0 | 0 |