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 | 1,563 | 9,380 | SH | | SOLE | | 9,380 | 0 | 0 |
AFLAC Inc. | COM | 001055102 | 297 | 4,700 | SH | | SOLE | | 4,700 | 0 | 0 |
AT&T, Inc. | COM | 00206r102 | 2,031 | 51,854 | SH | | SOLE | | 50,804 | 0 | 1,050 |
Abbott Laboratories | COM | 002824100 | 5,688 | 135,990 | SH | | SOLE | | 134,615 | 0 | 1,375 |
Affiliated Managers Group, Inc | COM | 008252108 | 581 | 3,575 | SH | | SOLE | | 3,575 | 0 | 0 |
Air Products & Chemicals Inc | COM | 009158106 | 5,218 | 36,224 | SH | | SOLE | | 36,149 | 0 | 75 |
Allergan PLC | COM | G0177J108 | 5,843 | 21,800 | SH | | SOLE | | 21,710 | 0 | 90 |
Alphabet Inc. Cl C | COM | 02079K107 | 7,938 | 10,656 | SH | | SOLE | | 10,600 | 0 | 56 |
AmTrust Financial Services | COM | 032359309 | 6,033 | 233,132 | SH | | SOLE | | 231,757 | 0 | 1,375 |
AmerisourceBergen Corp. | COM | 03073e105 | 4,432 | 51,210 | SH | | SOLE | | 51,110 | 0 | 100 |
Annaly Mortgage Management, In | COM | 035710409 | 133 | 13,000 | SH | | SOLE | | 0 | 0 | 13,000 |
Apple Computer | COM | 037833100 | 7,277 | 66,766 | SH | | SOLE | | 66,486 | 0 | 280 |
Automatic Data Processing | COM | 053015103 | 980 | 10,924 | SH | | SOLE | | 10,924 | 0 | 0 |
B&G Foods, Inc. | COM | 05508R106 | 315 | 9,050 | SH | | SOLE | | 9,050 | 0 | 0 |
BCE Inc. | COM | 05534b760 | 3,731 | 81,935 | SH | | SOLE | | 79,985 | 0 | 1,950 |
Bank of America Corp. | COM | 060505104 | 1,140 | 84,308 | SH | | SOLE | | 76,623 | 0 | 7,685 |
Becton Dickinson & Co. | COM | 075887109 | 257 | 1,695 | SH | | SOLE | | 1,695 | 0 | 0 |
Berkshire Hathaway Inc. Cl B | COM | 084670702 | 529 | 3,727 | SH | | SOLE | | 3,727 | 0 | 0 |
Biogen Idec Inc. | COM | 09062X103 | 217 | 835 | SH | | SOLE | | 815 | 0 | 20 |
Bristol-Myers Squibb | COM | 110122108 | 448 | 7,011 | SH | | SOLE | | 7,011 | 0 | 0 |
Buckeye Partners L P Unit Ltd | COM | 118230101 | 824 | 12,130 | SH | | SOLE | | 12,130 | 0 | 0 |
CVS Health Corp. | COM | 126650100 | 7,997 | 77,099 | SH | | SOLE | | 76,699 | 0 | 400 |
CYS Investments Inc | COM | 12673a108 | 523 | 64,200 | SH | | SOLE | | 54,200 | 0 | 10,000 |
Capstead Mortgage Corp. | COM | 14067E506 | 562 | 56,875 | SH | | SOLE | | 51,875 | 0 | 5,000 |
Celgene Corp. | COM | 151020104 | 600 | 5,990 | SH | | SOLE | | 5,990 | 0 | 0 |
Cerner Corporation | COM | 156782104 | 521 | 9,835 | SH | | SOLE | | 9,835 | 0 | 0 |
Check Point Software | COM | M22465104 | 6,953 | 79,485 | SH | | SOLE | | 79,010 | 0 | 475 |
ChevronTexaco Corporation | COM | 166764100 | 5,313 | 55,688 | SH | | SOLE | | 54,938 | 0 | 750 |
Cisco Systems Inc. | COM | 17275r102 | 237 | 8,330 | SH | | SOLE | | 7,680 | 0 | 650 |
Citizens & Northern Corp. | COM | 172922106 | 348 | 17,500 | SH | | SOLE | | 15,500 | 0 | 2,000 |
Coca-Cola Co. | COM | 191216100 | 820 | 17,679 | SH | | SOLE | | 17,379 | 0 | 300 |
Community Bank System Inc | COM | 203607106 | 1,145 | 29,967 | SH | | SOLE | | 28,667 | 0 | 1,300 |
ConocoPhillips | COM | 20825C104 | 296 | 7,356 | SH | | SOLE | | 7,056 | 0 | 300 |
Costco Wholesale | COM | 22160k105 | 7,903 | 50,152 | SH | | SOLE | | 49,802 | 0 | 350 |
Danaher Corp | COM | 235851102 | 404 | 4,255 | SH | | SOLE | | 3,655 | 0 | 600 |
Deere & Co. | COM | 244199105 | 4,513 | 58,619 | SH | | SOLE | | 58,284 | 0 | 335 |
Diageo PLC Spon ADR | COM | 25243q205 | 582 | 5,397 | SH | | SOLE | | 5,222 | 0 | 175 |
Discover Financial Services | COM | 254709108 | 3,898 | 76,552 | SH | | SOLE | | 75,702 | 0 | 850 |
Disney, Walt | COM | 254687106 | 503 | 5,064 | SH | | SOLE | | 5,064 | 0 | 0 |
Dollar Tree Stores Inc. | COM | 256746108 | 2,578 | 31,265 | SH | | SOLE | | 31,140 | 0 | 125 |
Dow Chemical Company | COM | 260543103 | 4,466 | 87,800 | SH | | SOLE | | 87,600 | 0 | 200 |
Du Pont, E. I. | COM | 263534109 | 474 | 7,485 | SH | | SOLE | | 7,485 | 0 | 0 |
Emerson Electric Co | COM | 291011104 | 552 | 10,142 | SH | | SOLE | | 9,642 | 0 | 500 |
Enbridge Energy Partners, L.P. | COM | 29250r106 | 943 | 51,448 | SH | | SOLE | | 49,948 | 0 | 1,500 |
Energy Transfer Partners, L.P. | COM | 29273R109 | 1,918 | 59,300 | SH | | SOLE | | 57,300 | 0 | 2,000 |
Enterprise Products Partners L | COM | 293792107 | 331 | 13,428 | SH | | SOLE | | 13,428 | 0 | 0 |
Enzo Biochem, Inc. | COM | 294100102 | 64 | 14,000 | SH | | SOLE | | 14,000 | 0 | 0 |
Exxon Mobil Corp. | COM | 30231G102 | 5,678 | 67,927 | SH | | SOLE | | 67,727 | 0 | 200 |
Fifth Third Bancorp | COM | 316773100 | 4,270 | 255,861 | SH | | SOLE | | 254,311 | 0 | 1,550 |
Ford Motor Co. | COM | 345370860 | 162 | 12,006 | SH | | SOLE | | 12,006 | 0 | 0 |
General Electric Company | COM | 369604103 | 9,207 | 289,604 | SH | | SOLE | | 285,104 | 0 | 4,500 |
Henry Jack & Associates Inc. | COM | 426281101 | 262 | 3,100 | SH | | SOLE | | 3,100 | 0 | 0 |
Home Depot Inc. | COM | 437076102 | 481 | 3,604 | SH | | SOLE | | 3,604 | 0 | 0 |
Honeywell International | COM | 438516106 | 277 | 2,475 | SH | | SOLE | | 2,475 | 0 | 0 |
HouseRaising, Inc. | COM | 44183w106 | 0 | 10,000 | SH | | SOLE | | 10,000 | 0 | 0 |
Illinois Tool Works | COM | 452308109 | 370 | 3,616 | SH | | SOLE | | 3,616 | 0 | 0 |
Intel Corporation | COM | 458140100 | 528 | 16,315 | SH | | SOLE | | 16,315 | 0 | 0 |
International Business Machine | COM | 459200101 | 370 | 2,442 | SH | | SOLE | | 2,442 | 0 | 0 |
Invesco Limited | COM | g491bt108 | 2,021 | 65,675 | SH | | SOLE | | 65,525 | 0 | 150 |
J.P. Morgan Chase | COM | 46625h100 | 653 | 11,034 | SH | | SOLE | | 10,434 | 0 | 600 |
Johnson & Johnson | COM | 478160104 | 10,265 | 94,870 | SH | | SOLE | | 93,070 | 0 | 1,800 |
Kelly Services Cl A | COM | 488152208 | 1,008 | 52,700 | SH | | SOLE | | 52,700 | 0 | 0 |
KeyCorp | COM | 493267108 | 2,479 | 224,517 | SH | | SOLE | | 221,517 | 0 | 3,000 |
Kimberly-Clark Corp. | COM | 494368103 | 1,389 | 10,329 | SH | | SOLE | | 10,029 | 0 | 300 |
Liberty Property Trust | COM | 531172104 | 2,460 | 73,509 | SH | | SOLE | | 72,009 | 0 | 1,500 |
Lilly, Eli | COM | 532457108 | 6,168 | 85,652 | SH | | SOLE | | 85,177 | 0 | 475 |
Lockheed Martin Corp | COM | 539830109 | 438 | 1,978 | SH | | SOLE | | 1,903 | 0 | 75 |
Magellan Midstream Partners, L | COM | 559080106 | 236 | 3,425 | SH | | SOLE | | 3,425 | 0 | 0 |
McGraw Hill Financial, Inc. | COM | 580645109 | 369 | 3,727 | SH | | SOLE | | 3,727 | 0 | 0 |
Merck & Co. | COM | 58933Y105 | 1,344 | 25,405 | SH | | SOLE | | 24,705 | 0 | 700 |
Microsoft Corp. | COM | 594918104 | 10,036 | 181,715 | SH | | SOLE | | 178,115 | 0 | 3,600 |
Nestle SA Spon ADR | COM | 641069406 | 6,177 | 82,796 | SH | | SOLE | | 81,946 | 0 | 850 |
NextEra Energy, Inc. | COM | 65339F101 | 363 | 3,068 | SH | | SOLE | | 3,068 | 0 | 0 |
Occidental Petroleum | COM | 674599105 | 3,148 | 46,008 | SH | | SOLE | | 45,908 | 0 | 100 |
Omnicom Group | COM | 681919106 | 5,070 | 60,911 | SH | | SOLE | | 60,411 | 0 | 500 |
PAREXEL Int'l Corp. | COM | 699462107 | 3,835 | 61,135 | SH | | SOLE | | 60,835 | 0 | 300 |
PNC Financial Services Group, | COM | 693475105 | 6,020 | 71,184 | SH | | SOLE | | 70,459 | 0 | 725 |
PPL Corporation | COM | 69351T106 | 5,314 | 139,598 | SH | | SOLE | | 135,448 | 0 | 4,150 |
Pardee Resources Company, Inc. | COM | 699437109 | 717 | 4,750 | SH | | SOLE | | 4,050 | 0 | 700 |
PepsiCo Inc. | COM | 713448108 | 7,151 | 69,776 | SH | | SOLE | | 69,151 | 0 | 625 |
Pfizer, Inc. | COM | 717081103 | 1,366 | 46,092 | SH | | SOLE | | 44,592 | 0 | 1,500 |
Piedmont Natural Gas Company, | COM | 720186105 | 206 | 3,450 | SH | | SOLE | | 3,200 | 0 | 250 |
Plains All Amer Pipeline LP | COM | 726503105 | 1,874 | 89,356 | SH | | SOLE | | 88,856 | 0 | 500 |
Procter & Gamble | COM | 742718109 | 2,592 | 31,487 | SH | | SOLE | | 30,187 | 0 | 1,300 |
Qualcomm Inc. | COM | 747525103 | 3,606 | 70,521 | SH | | SOLE | | 70,021 | 0 | 500 |
Raytheon Company | COM | 755111507 | 251 | 2,046 | SH | | SOLE | | 2,046 | 0 | 0 |
Regions Financial Corporation | COM | 7591ep100 | 257 | 32,728 | SH | | SOLE | | 30,728 | 0 | 2,000 |
Roper Technologies | COM | 776696106 | 6,312 | 34,535 | SH | | SOLE | | 34,320 | 0 | 215 |
Schlumberger Ltd | COM | 806857108 | 2,517 | 34,133 | SH | | SOLE | | 34,133 | 0 | 0 |
Sherwin Williams | COM | 824348106 | 445 | 1,563 | SH | | SOLE | | 1,563 | 0 | 0 |
Southern Company | COM | 842587107 | 327 | 6,322 | SH | | SOLE | | 5,697 | 0 | 625 |
Stryker Corporation | COM | 863667101 | 365 | 3,398 | SH | | SOLE | | 3,398 | 0 | 0 |
Sun Communities Inc. | COM | 866674104 | 2,163 | 30,210 | SH | | SOLE | | 29,935 | 0 | 275 |
SunTrust Banks | COM | 867914103 | 3,878 | 107,496 | SH | | SOLE | | 106,856 | 0 | 640 |
Sysco Corp. | COM | 871829107 | 349 | 7,466 | SH | | SOLE | | 7,466 | 0 | 0 |
TJX Companies Inc. | COM | 872540109 | 8,017 | 102,326 | SH | | SOLE | | 102,026 | 0 | 300 |
Terra Nitrogen Company, LP | COM | 881005201 | 1,048 | 9,420 | SH | | SOLE | | 9,020 | 0 | 400 |
Total System Services, Inc. | COM | 891906109 | 305 | 6,400 | SH | | SOLE | | 6,400 | 0 | 0 |
U.S. Rare Earth Minerals Inc. | COM | 903410207 | 2 | 25,000 | SH | | SOLE | | 25,000 | 0 | 0 |
Union Pacific Corp. | COM | 907818108 | 1,154 | 14,505 | SH | | SOLE | | 14,505 | 0 | 0 |
United Technologies | COM | 913017109 | 5,558 | 55,528 | SH | | SOLE | | 55,203 | 0 | 325 |
VIVUS, Inc. | COM | 928551100 | 34 | 24,500 | SH | | SOLE | | 24,500 | 0 | 0 |
Verizon Communications | COM | 92343v104 | 4,237 | 78,354 | SH | | SOLE | | 76,963 | 0 | 1,391 |
Vulcan Materials Co. | COM | 929160109 | 216 | 2,050 | SH | | SOLE | | 2,050 | 0 | 0 |
WP Carey Inc | COM | 92936U109 | 303 | 4,875 | SH | | SOLE | | 4,875 | 0 | 0 |
Walgreens Boots Alliance, Inc. | COM | 931427108 | 253 | 3,002 | SH | | SOLE | | 3,002 | 0 | 0 |
Waste Management Inc. | COM | 94106L109 | 487 | 8,250 | SH | | SOLE | | 8,250 | 0 | 0 |
Weatherford Int'l plc | COM | G48833100 | 81 | 10,425 | SH | | SOLE | | 8,625 | 0 | 1,800 |
Welltower Inc. | COM | 95040Q104 | 1,056 | 15,233 | SH | | SOLE | | 14,383 | 0 | 850 |
Wisconsin Energy Corp. | COM | 92939U106 | 420 | 7,000 | SH | | SOLE | | 7,000 | 0 | 0 |
iShares Russell 1000 Value Ind | XTMF | 464287598 | 419 | 4,244 | SH | | SOLE | | 4,244 | 0 | 0 |
iShares Russell 2000 Index Fun | XTMF | 464287655 | 351 | 3,170 | SH | | SOLE | | 3,170 | 0 | 0 |
iShares Russell 2000 Value Ind | XTMF | 464287630 | 9,777 | 104,929 | SH | | SOLE | | 104,474 | 0 | 455 |
iShares Russell Midcap Index F | XTMF | 464287499 | 349 | 2,142 | SH | | SOLE | | 2,142 | 0 | 0 |
iShares S&P SmallCap 600 Index | XTMF | 464287804 | 455 | 4,038 | SH | | SOLE | | 4,038 | 0 | 0 |
Vanguard Emerging Markets | XTIF | 922042858 | 214 | 6,179 | SH | | SOLE | | 6,179 | 0 | 0 |
iShares MSCI EAFE Index Fund | XTIF | 464287465 | 685 | 11,978 | SH | | SOLE | | 11,978 | 0 | 0 |
SPDR Gold Trust | XTAL | 78463v107 | 369 | 3,138 | SH | | SOLE | | 3,138 | 0 | 0 |
Vanguard Short-Term Bond Fund | XTMI | 921937827 | 726 | 9,004 | SH | | SOLE | | 9,004 | 0 | 0 |
iShares Barclays US TIPS Fund | XTMI | 464287176 | 235 | 2,050 | SH | | SOLE | | 2,050 | 0 | 0 |