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 | 1,595 | 8,934 | SH | | SOLE | | 8,934 | 0 | 0 |
AFLAC Inc. | COM | 001055102 | 313 | 4,501 | SH | | SOLE | | 4,501 | 0 | 0 |
AT&T, Inc. | COM | 00206r102 | 2,225 | 52,311 | SH | | SOLE | | 51,261 | 0 | 1,050 |
Abbott Laboratories | COM | 002824100 | 6,209 | 161,653 | SH | | SOLE | | 160,103 | 0 | 1,550 |
Affiliated Managers Group, Inc | COM | 008252108 | 517 | 3,555 | SH | | SOLE | | 3,555 | 0 | 0 |
Air Products & Chemicals Inc | COM | 009158106 | 5,653 | 39,305 | SH | | SOLE | | 39,055 | 0 | 250 |
Allergan PLC | SHS | G0177J108 | 4,844 | 23,064 | SH | | SOLE | | 22,849 | 0 | 215 |
Alphabet Inc. Cl C | CAP STK CL C | 02079K107 | 9,360 | 12,127 | SH | | SOLE | | 12,061 | 0 | 66 |
AmTrust Financial Services | COM | 032359309 | 6,459 | 235,906 | SH | | SOLE | | 233,931 | 0 | 1,975 |
Amazon.com Inc. | COM | 023135106 | 367 | 489 | SH | | SOLE | | 479 | 0 | 10 |
AmerisourceBergen Corp. | COM | 03073e105 | 3,651 | 46,700 | SH | | SOLE | | 46,325 | 0 | 375 |
Apple Computer | COM | 037833100 | 7,708 | 66,550 | SH | | SOLE | | 66,220 | 0 | 330 |
Automatic Data Processing | COM | 053015103 | 1,083 | 10,534 | SH | | SOLE | | 10,534 | 0 | 0 |
B&G Foods, Inc. | COM | 05508R106 | 470 | 10,734 | SH | | SOLE | | 10,734 | 0 | 0 |
BCE Inc. | COM NEW | 05534b760 | 2,421 | 55,985 | SH | | SOLE | | 54,035 | 0 | 1,950 |
Bank of America Corp. | COM | 060505104 | 1,901 | 86,017 | SH | | SOLE | | 78,332 | 0 | 7,685 |
Berkshire Hathaway Inc. Cl A | CL A | 084670108 | 732 | 3 | SH | | SOLE | | 3 | 0 | 0 |
Berkshire Hathaway Inc. Cl B | CL B NEW | 084670702 | 796 | 4,883 | SH | | SOLE | | 4,883 | 0 | 0 |
Biogen Idec Inc. | COM | 09062X103 | 252 | 889 | SH | | SOLE | | 869 | 0 | 20 |
Boeing Co. | COM | 097023105 | 321 | 2,063 | SH | | SOLE | | 1,988 | 0 | 75 |
Bristol-Myers Squibb | COM | 110122108 | 468 | 8,013 | SH | | SOLE | | 8,013 | 0 | 0 |
Buckeye Partners L P Unit Ltd | UNIT LTD PARTN | 118230101 | 803 | 12,130 | SH | | SOLE | | 12,130 | 0 | 0 |
CF Industries Holdings, Inc. | COM | 125269100 | 9,110 | 289,380 | SH | | SOLE | | 286,055 | 0 | 3,325 |
CVS Health Corp. | COM | 126650100 | 6,759 | 85,650 | SH | | SOLE | | 84,650 | 0 | 1,000 |
CYS Investments Inc | COM | 12673a108 | 468 | 60,600 | SH | | SOLE | | 50,600 | 0 | 10,000 |
Cabot Corporation | COM | 127055101 | 202 | 4,000 | SH | | SOLE | | 4,000 | 0 | 0 |
Capstead Mortgage Corp. | COM NO PAR | 14067E506 | 486 | 47,675 | SH | | SOLE | | 42,675 | 0 | 5,000 |
Celgene Corp. | COM | 151020104 | 802 | 6,925 | SH | | SOLE | | 6,925 | 0 | 0 |
Cerner Corporation | COM | 156782104 | 699 | 14,750 | SH | | SOLE | | 14,650 | 0 | 100 |
Check Point Software | ORD | M22465104 | 7,089 | 83,933 | SH | | SOLE | | 83,383 | 0 | 550 |
ChevronTexaco Corporation | COM | 166764100 | 6,853 | 58,228 | SH | | SOLE | | 57,328 | 0 | 900 |
Chipotle Mexican Grill, Inc. | COM | 169656105 | 4,666 | 12,366 | SH | | SOLE | | 12,191 | 0 | 175 |
Cisco Systems Inc. | COM | 17275r102 | 363 | 11,996 | SH | | SOLE | | 11,346 | 0 | 650 |
Citizens & Northern Corp. | COM | 172922106 | 367 | 14,025 | SH | | SOLE | | 12,025 | 0 | 2,000 |
Coca-Cola Co. | COM | 191216100 | 791 | 19,079 | SH | | SOLE | | 18,779 | 0 | 300 |
Community Bank System Inc | COM | 203607106 | 1,798 | 29,092 | SH | | SOLE | | 27,792 | 0 | 1,300 |
ConocoPhillips | COM | 20825C104 | 292 | 5,824 | SH | | SOLE | | 5,524 | 0 | 300 |
Costco Wholesale | COM | 22160k105 | 8,440 | 52,711 | SH | | SOLE | | 52,311 | 0 | 400 |
Danaher Corp | COM | 235851102 | 365 | 4,690 | SH | | SOLE | | 4,090 | 0 | 600 |
Deere & Co. | COM | 244199105 | 5,590 | 54,250 | SH | | SOLE | | 53,915 | 0 | 335 |
Diageo PLC Spon ADR | SPON ADR NEW | 25243q205 | 581 | 5,592 | SH | | SOLE | | 5,417 | 0 | 175 |
Discover Financial Services | COM | 254709108 | 5,206 | 72,210 | SH | | SOLE | | 71,035 | 0 | 1,175 |
Disney, Walt | COM DISNEY | 254687106 | 587 | 5,629 | SH | | SOLE | | 5,629 | 0 | 0 |
Dollar Tree Stores Inc. | COM | 256746108 | 5,854 | 75,845 | SH | | SOLE | | 75,320 | 0 | 525 |
Dow Chemical Company | COM | 260543103 | 4,899 | 85,622 | SH | | SOLE | | 85,422 | 0 | 200 |
Du Pont, E. I. | COM | 263534109 | 535 | 7,284 | SH | | SOLE | | 7,284 | 0 | 0 |
Emerson Electric Co | COM | 291011104 | 357 | 6,400 | SH | | SOLE | | 5,475 | 0 | 925 |
Enbridge Energy Partners, L.P. | COM | 29250r106 | 760 | 29,833 | SH | | SOLE | | 28,333 | 0 | 1,500 |
Energy Transfer Partners, L.P. | UNIT LTD PARTN | 29273R109 | 1,966 | 54,912 | SH | | SOLE | | 52,912 | 0 | 2,000 |
Enterprise Products Partners L | COM | 293792107 | 363 | 13,428 | SH | | SOLE | | 13,428 | 0 | 0 |
Enzo Biochem, Inc. | COM | 294100102 | 97 | 14,000 | SH | | SOLE | | 14,000 | 0 | 0 |
Exxon Mobil Corp. | COM | 30231G102 | 6,200 | 68,691 | SH | | SOLE | | 68,491 | 0 | 200 |
Fifth Third Bancorp | COM | 316773100 | 6,705 | 248,607 | SH | | SOLE | | 247,057 | 0 | 1,550 |
Ford Motor Co. | COM PAR $0.01 | 345370860 | 180 | 14,806 | SH | | SOLE | | 14,806 | 0 | 0 |
General Electric Company | COM | 369604103 | 10,360 | 327,833 | SH | | SOLE | | 322,533 | 0 | 5,300 |
Henry Jack & Associates Inc. | COM | 426281101 | 275 | 3,100 | SH | | SOLE | | 3,100 | 0 | 0 |
Home Depot Inc. | COM | 437076102 | 796 | 5,936 | SH | | SOLE | | 5,936 | 0 | 0 |
Honeywell International | COM | 438516106 | 319 | 2,754 | SH | | SOLE | | 2,754 | 0 | 0 |
HouseRaising, Inc. | COM | 44183w106 | 0 | 10,000 | SH | | SOLE | | 10,000 | 0 | 0 |
Illinois Tool Works | COM | 452308109 | 375 | 3,066 | SH | | SOLE | | 3,066 | 0 | 0 |
Intel Corporation | COM | 458140100 | 753 | 20,769 | SH | | SOLE | | 20,769 | 0 | 0 |
International Business Machine | COM | 459200101 | 745 | 4,491 | SH | | SOLE | | 4,491 | 0 | 0 |
Invesco Limited | SHS | g491bt108 | 621 | 20,470 | SH | | SOLE | | 20,470 | 0 | 0 |
J.P. Morgan Chase | COM | 46625h100 | 1,158 | 13,424 | SH | | SOLE | | 12,824 | 0 | 600 |
Johnson & Johnson | COM | 478160104 | 10,698 | 92,858 | SH | | SOLE | | 91,058 | 0 | 1,800 |
Kelly Services Cl A | CL A | 488152208 | 1,208 | 52,700 | SH | | SOLE | | 52,700 | 0 | 0 |
KeyCorp | COM | 493267108 | 3,036 | 166,167 | SH | | SOLE | | 163,167 | 0 | 3,000 |
Kimberly-Clark Corp. | COM | 494368103 | 1,211 | 10,611 | SH | | SOLE | | 10,311 | 0 | 300 |
Liberty Property Trust | SH BEN INT | 531172104 | 2,749 | 69,600 | SH | | SOLE | | 67,450 | 0 | 2,150 |
Lilly, Eli | COM | 532457108 | 6,562 | 89,216 | SH | | SOLE | | 88,666 | 0 | 550 |
Lockheed Martin Corp | COM | 539830109 | 784 | 3,137 | SH | | SOLE | | 3,062 | 0 | 75 |
Magellan Midstream Partners, L | COM UNIT RP LP | 559080106 | 265 | 3,500 | SH | | SOLE | | 3,500 | 0 | 0 |
MasterCard, Inc. | CL A | 57636Q104 | 5,304 | 51,373 | SH | | SOLE | | 50,998 | 0 | 375 |
Merck & Co. | COM | 58933Y105 | 1,541 | 26,182 | SH | | SOLE | | 25,482 | 0 | 700 |
Microsoft Corp. | COM | 594918104 | 11,285 | 181,600 | SH | | SOLE | | 177,875 | 0 | 3,725 |
Nestle SA Spon ADR | COM | 641069406 | 5,712 | 79,626 | SH | | SOLE | | 78,701 | 0 | 925 |
NextEra Energy, Inc. | COM | 65339F101 | 358 | 2,997 | SH | | SOLE | | 2,997 | 0 | 0 |
Occidental Petroleum | COM | 674599105 | 4,318 | 60,617 | SH | | SOLE | | 60,192 | 0 | 425 |
PNC Financial Services Group, | COM | 693475105 | 9,036 | 77,255 | SH | | SOLE | | 76,280 | 0 | 975 |
PPL Corporation | COM | 69351T106 | 4,862 | 142,792 | SH | | SOLE | | 138,492 | 0 | 4,300 |
Pardee Resources Company, Inc. | COM | 699437109 | 794 | 4,700 | SH | | SOLE | | 4,000 | 0 | 700 |
PepsiCo Inc. | COM | 713448108 | 7,403 | 70,753 | SH | | SOLE | | 70,128 | 0 | 625 |
Pfizer, Inc. | COM | 717081103 | 1,598 | 49,194 | SH | | SOLE | | 46,694 | 0 | 2,500 |
Plains All Amer Pipeline LP | UNIT LTD PARTN | 726503105 | 2,631 | 81,481 | SH | | SOLE | | 80,981 | 0 | 500 |
Procter & Gamble | COM | 742718109 | 2,685 | 31,932 | SH | | SOLE | | 30,632 | 0 | 1,300 |
Qualcomm Inc. | COM | 747525103 | 5,370 | 82,367 | SH | | SOLE | | 81,767 | 0 | 600 |
Quintiles Transnational Holdin | COM | 74876Y101 | 250 | 3,290 | SH | | SOLE | | 3,290 | 0 | 0 |
Raytheon Company | COM NEW | 755111507 | 301 | 2,117 | SH | | SOLE | | 2,117 | 0 | 0 |
Roper Technologies | COM | 776696106 | 6,577 | 35,925 | SH | | SOLE | | 35,685 | 0 | 240 |
S&P Global Inc | COM | 78409V104 | 401 | 3,727 | SH | | SOLE | | 3,727 | 0 | 0 |
Schlumberger Ltd | COM | 806857108 | 4,855 | 57,837 | SH | | SOLE | | 57,612 | 0 | 225 |
Sherwin Williams | COM | 824348106 | 386 | 1,438 | SH | | SOLE | | 1,438 | 0 | 0 |
Southern Company | COM | 842587107 | 365 | 7,419 | SH | | SOLE | | 6,794 | 0 | 625 |
Starbucks Corporation | COM | 855244109 | 342 | 6,165 | SH | | SOLE | | 6,165 | 0 | 0 |
Stryker Corporation | COM | 863667101 | 362 | 3,023 | SH | | SOLE | | 3,023 | 0 | 0 |
Sun Communities Inc. | COM | 866674104 | 1,930 | 25,198 | SH | | SOLE | | 24,923 | 0 | 275 |
SunTrust Banks | COM | 867914103 | 6,474 | 118,022 | SH | | SOLE | | 117,182 | 0 | 840 |
Sysco Corp. | COM | 871829107 | 419 | 7,571 | SH | | SOLE | | 7,571 | 0 | 0 |
TJX Companies Inc. | COM | 872540109 | 7,283 | 96,938 | SH | | SOLE | | 96,638 | 0 | 300 |
Terra Nitrogen Company, LP | COM UNIT | 881005201 | 841 | 8,185 | SH | | SOLE | | 7,785 | 0 | 400 |
Thermo Fisher Scientific, Inc. | COM | 883556102 | 238 | 1,684 | SH | | SOLE | | 1,684 | 0 | 0 |
Total System Services, Inc. | COM | 891906109 | 252 | 5,140 | SH | | SOLE | | 5,140 | 0 | 0 |
U.S. Rare Earth Minerals Inc. | COM | 903410207 | 0 | 25,000 | SH | | SOLE | | 25,000 | 0 | 0 |
Union Pacific Corp. | COM | 907818108 | 1,438 | 13,867 | SH | | SOLE | | 13,867 | 0 | 0 |
United Technologies | COM | 913017109 | 5,618 | 51,249 | SH | | SOLE | | 50,924 | 0 | 325 |
VIVUS, Inc. | COM | 928551100 | 28 | 24,500 | SH | | SOLE | | 24,500 | 0 | 0 |
Verizon Communications | COM | 92343v104 | 5,704 | 106,857 | SH | | SOLE | | 105,316 | 0 | 1,541 |
Versum Materials Inc | COM | 92532w103 | 457 | 16,267 | SH | | SOLE | | 16,143 | 0 | 124 |
Vulcan Materials Co. | COM | 929160109 | 257 | 2,050 | SH | | SOLE | | 2,050 | 0 | 0 |
WP Carey Inc | COM | 92936U109 | 1,740 | 29,445 | SH | | SOLE | | 28,845 | 0 | 600 |
Walgreens Boots Alliance, Inc. | COM | 931427108 | 243 | 2,935 | SH | | SOLE | | 2,935 | 0 | 0 |
Waste Management Inc. | COM | 94106L109 | 636 | 8,975 | SH | | SOLE | | 8,975 | 0 | 0 |
Wells Fargo | COM | 949746101 | 235 | 4,256 | SH | | SOLE | | 4,006 | 0 | 250 |
Welltower Inc. | COM | 95040Q104 | 1,021 | 15,255 | SH | | SOLE | | 14,405 | 0 | 850 |
Wisconsin Energy Corp. | COM | 92939U106 | 411 | 7,000 | SH | | SOLE | | 7,000 | 0 | 0 |
iShares Core S&P Small-Cap ETF | CORE S&P SCP ETF | 464287804 | 1,113 | 8,095 | SH | | SOLE | | 8,095 | 0 | 0 |
iShares Russell 1000 Value Ind | RUS 1000 VAL ETF | 464287598 | 490 | 4,375 | SH | | SOLE | | 4,244 | 0 | 131 |
iShares Russell 2000 Index Fun | RUSSELL 2000 ETF | 464287655 | 461 | 3,415 | SH | | SOLE | | 3,415 | 0 | 0 |
iShares Russell 2000 Value Ind | RUS 2000 VAL ETF | 464287630 | 12,122 | 101,915 | SH | | SOLE | | 101,460 | 0 | 455 |
iShares Russell Midcap Index F | RUS MID-CAP ETF | 464287499 | 383 | 2,142 | SH | | SOLE | | 2,142 | 0 | 0 |
Vanguard Emerging Markets | FTSE EMR MKT ETF | 922042858 | 221 | 6,179 | SH | | SOLE | | 6,179 | 0 | 0 |
iShares MSCI EAFE Index Fund | MSCI EAFE ETF | 464287465 | 759 | 13,153 | SH | | SOLE | | 13,153 | 0 | 0 |
SPDR Gold Trust | GOLD SHS | 78463v107 | 421 | 3,840 | SH | | SOLE | | 3,840 | 0 | 0 |
Vanguard Short-Term Bond Fund | SHORT TRM BOND | 921937827 | 646 | 8,130 | SH | | SOLE | | 8,130 | 0 | 0 |
iShares Barclays US TIPS Fund | TIPS BD ETF | 464287176 | 239 | 2,115 | SH | | SOLE | | 2,115 | 0 | 0 |