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 | 1,705 | 7,244 | SH | | SOLE | | 7,244 | 0 | 0 |
AFLAC Inc. | COM | 001055102 | 334 | 3,801 | SH | | SOLE | | 3,801 | 0 | 0 |
AT&T, Inc. | COM | 00206r102 | 1,546 | 39,763 | SH | | SOLE | | 38,713 | 0 | 1,050 |
Abbott Laboratories | COM | 002824100 | 10,512 | 184,189 | SH | | SOLE | | 182,639 | 0 | 1,550 |
Advanced Energy Industries, In | COM | 007973100 | 231 | 3,425 | SH | | SOLE | | 3,425 | 0 | 0 |
Affiliated Managers Group, Inc | COM | 008252108 | 339 | 1,650 | SH | | SOLE | | 1,650 | 0 | 0 |
Air Products & Chemicals Inc | COM | 009158106 | 2,225 | 13,558 | SH | | SOLE | | 13,383 | 0 | 175 |
Allergan PLC | SHS | G0177J108 | 4,229 | 25,855 | SH | | SOLE | | 25,665 | 0 | 190 |
Alphabet Inc. Cl A | CAP STK CL A | 02079K305 | 277 | 263 | SH | | SOLE | | 263 | 0 | 0 |
Alphabet Inc. Cl C | CAP STK CL C | 02079K107 | 14,400 | 13,761 | SH | | SOLE | | 13,695 | 0 | 66 |
AmTrust Financial Services | COM | 032359309 | 241 | 23,900 | SH | | SOLE | | 23,100 | 0 | 800 |
Amazon.com Inc. | COM | 023135106 | 670 | 573 | SH | | SOLE | | 563 | 0 | 10 |
Apple Computer | COM | 037833100 | 12,567 | 74,262 | SH | | SOLE | | 73,932 | 0 | 330 |
Arrow Financial Corp. | COM | 042744102 | 213 | 6,283 | SH | | SOLE | | 6,283 | 0 | 0 |
Automatic Data Processing | COM | 053015103 | 1,239 | 10,576 | SH | | SOLE | | 10,576 | 0 | 0 |
B&G Foods, Inc. | COM | 05508R106 | 838 | 23,834 | SH | | SOLE | | 23,434 | 0 | 400 |
BCE Inc. | COM NEW | 05534b760 | 1,528 | 31,824 | SH | | SOLE | | 29,924 | 0 | 1,900 |
Bank of America Corp. | COM | 060505104 | 9,203 | 311,747 | SH | | SOLE | | 302,762 | 0 | 8,985 |
Becton Dickinson & Co. | COM | 075887109 | 356 | 1,665 | SH | | SOLE | | 1,665 | 0 | 0 |
Berkshire Hathaway Inc. Cl B | CL B NEW | 084670702 | 896 | 4,519 | SH | | SOLE | | 4,519 | 0 | 0 |
Biogen Idec Inc. | COM | 09062X103 | 285 | 894 | SH | | SOLE | | 894 | 0 | 0 |
Boeing Co. | COM | 097023105 | 572 | 1,940 | SH | | SOLE | | 1,865 | 0 | 75 |
Bristol-Myers Squibb | COM | 110122108 | 428 | 6,981 | SH | | SOLE | | 6,981 | 0 | 0 |
Buckeye Partners L P Unit Ltd | UNIT LTD PARTN | 118230101 | 564 | 11,380 | SH | | SOLE | | 11,380 | 0 | 0 |
CF Industries Holdings, Inc. | COM | 125269100 | 13,441 | 315,970 | SH | | SOLE | | 312,645 | 0 | 3,325 |
CVS Health Corp. | COM | 126650100 | 6,667 | 91,958 | SH | | SOLE | | 90,958 | 0 | 1,000 |
CYS Investments Inc | COM | 12673a108 | 324 | 40,400 | SH | | SOLE | | 30,400 | 0 | 10,000 |
Capstead Mortgage Corp. | COM NO PAR | 14067E506 | 292 | 33,780 | SH | | SOLE | | 28,780 | 0 | 5,000 |
Celgene Corp. | COM | 151020104 | 662 | 6,344 | SH | | SOLE | | 6,344 | 0 | 0 |
Cerner Corporation | COM | 156782104 | 974 | 14,450 | SH | | SOLE | | 14,350 | 0 | 100 |
Check Point Software | ORD | M22465104 | 5,874 | 56,688 | SH | | SOLE | | 56,413 | 0 | 275 |
ChevronTexaco Corporation | COM | 166764100 | 8,500 | 67,895 | SH | | SOLE | | 66,945 | 0 | 950 |
Chipotle Mexican Grill, Inc. | COM | 169656105 | 4,386 | 15,174 | SH | | SOLE | | 14,884 | 0 | 290 |
Cisco Systems Inc. | COM | 17275r102 | 566 | 14,788 | SH | | SOLE | | 14,138 | 0 | 650 |
Citizens & Northern Corp. | COM | 172922106 | 309 | 12,875 | SH | | SOLE | | 10,875 | 0 | 2,000 |
Coca-Cola Co. | COM | 191216100 | 790 | 17,209 | SH | | SOLE | | 17,209 | 0 | 0 |
Community Bank System Inc | COM | 203607106 | 786 | 14,625 | SH | | SOLE | | 13,325 | 0 | 1,300 |
ConocoPhillips | COM | 20825C104 | 213 | 3,882 | SH | | SOLE | | 3,582 | 0 | 300 |
Costco Wholesale | COM | 22160k105 | 10,851 | 58,301 | SH | | SOLE | | 57,926 | 0 | 375 |
Danaher Corp | COM | 235851102 | 1,968 | 21,200 | SH | | SOLE | | 20,600 | 0 | 600 |
Diageo PLC Spon ADR | SPON ADR NEW | 25243q205 | 738 | 5,057 | SH | | SOLE | | 4,882 | 0 | 175 |
Discover Financial Services | COM | 254709108 | 7,212 | 93,755 | SH | | SOLE | | 92,580 | 0 | 1,175 |
Disney, Walt | COM DISNEY | 254687106 | 633 | 5,885 | SH | | SOLE | | 5,885 | 0 | 0 |
Dollar Tree Stores Inc. | COM | 256746108 | 8,740 | 81,450 | SH | | SOLE | | 80,925 | 0 | 525 |
DowDuPont Inc. | COM | 26078J100 | 5,667 | 79,567 | SH | | SOLE | | 79,367 | 0 | 200 |
Emerson Electric Co | COM | 291011104 | 389 | 5,575 | SH | | SOLE | | 4,650 | 0 | 925 |
Enbridge Energy Partners, L.P. | COM | 29250r106 | 152 | 10,983 | SH | | SOLE | | 9,483 | 0 | 1,500 |
Energy Transfer Partners, L.P. | UNIT LTD PRT INT | 29278n103 | 1,302 | 72,641 | SH | | SOLE | | 69,641 | 0 | 3,000 |
Enterprise Products Partners L | COM | 293792107 | 349 | 13,180 | SH | | SOLE | | 13,180 | 0 | 0 |
Exxon Mobil Corp. | COM | 30231G102 | 4,597 | 54,966 | SH | | SOLE | | 54,766 | 0 | 200 |
Facebook, Inc. | CL A | 30303M102 | 356 | 2,017 | SH | | SOLE | | 2,017 | 0 | 0 |
FedEx Corporation | COM | 31428X106 | 205 | 823 | SH | | SOLE | | 823 | 0 | 0 |
Fifth Third Bancorp | COM | 316773100 | 6,750 | 222,478 | SH | | SOLE | | 221,353 | 0 | 1,125 |
Ford Motor Co. | COM PAR $0.01 | 345370860 | 194 | 15,526 | SH | | SOLE | | 15,526 | 0 | 0 |
GMS Inc | COM | 36251C103 | 4,893 | 130,000 | SH | | SOLE | | 130,000 | 0 | 0 |
General Electric Company | COM | 369604103 | 5,485 | 314,342 | SH | | SOLE | | 309,467 | 0 | 4,875 |
Hain Celestial Group Inc. | COM | 405217100 | 521 | 12,280 | SH | | SOLE | | 11,280 | 0 | 1,000 |
Home Depot Inc. | COM | 437076102 | 1,187 | 6,264 | SH | | SOLE | | 6,264 | 0 | 0 |
Honeywell International | COM | 438516106 | 1,008 | 6,576 | SH | | SOLE | | 6,576 | 0 | 0 |
Illinois Tool Works | COM | 452308109 | 464 | 2,779 | SH | | SOLE | | 2,679 | 0 | 100 |
Intel Corporation | COM | 458140100 | 1,122 | 24,315 | SH | | SOLE | | 24,315 | 0 | 0 |
IntercontinentalExchange, Inc. | COM | 45866F104 | 351 | 4,975 | SH | | SOLE | | 4,975 | 0 | 0 |
International Business Machine | COM | 459200101 | 606 | 3,951 | SH | | SOLE | | 3,951 | 0 | 0 |
International Paper | COM | 460146103 | 268 | 4,621 | SH | | SOLE | | 4,621 | 0 | 0 |
Invesco Limited | SHS | g491bt108 | 293 | 8,019 | SH | | SOLE | | 8,019 | 0 | 0 |
Iqvia Holdings Inc | COM | 46266C105 | 452 | 4,615 | SH | | SOLE | | 4,615 | 0 | 0 |
J.P. Morgan Chase | COM | 46625h100 | 1,345 | 12,574 | SH | | SOLE | | 11,974 | 0 | 600 |
Johnson & Johnson | COM | 478160104 | 14,083 | 100,793 | SH | | SOLE | | 98,943 | 0 | 1,850 |
Kelly Services Cl A | CL A | 488152208 | 1,437 | 52,700 | SH | | SOLE | | 52,700 | 0 | 0 |
KeyCorp | COM | 493267108 | 2,908 | 144,175 | SH | | SOLE | | 141,175 | 0 | 3,000 |
Kimberly-Clark Corp. | COM | 494368103 | 1,493 | 12,371 | SH | | SOLE | | 12,221 | 0 | 150 |
Liberty Property Trust | SH BEN INT | 531172104 | 2,641 | 61,409 | SH | | SOLE | | 59,259 | 0 | 2,150 |
Lilly, Eli | COM | 532457108 | 8,245 | 97,616 | SH | | SOLE | | 97,066 | 0 | 550 |
Lockheed Martin Corp | COM | 539830109 | 1,153 | 3,591 | SH | | SOLE | | 3,516 | 0 | 75 |
Magellan Midstream Partners, L | COM UNIT RP LP | 559080106 | 259 | 3,650 | SH | | SOLE | | 3,650 | 0 | 0 |
MasterCard, Inc. | CL A | 57636Q104 | 9,375 | 61,938 | SH | | SOLE | | 61,613 | 0 | 325 |
Medtronic PLC | SHS | G5960L103 | 264 | 3,272 | SH | | SOLE | | 3,272 | 0 | 0 |
Merck & Co. | COM | 58933Y105 | 1,594 | 28,320 | SH | | SOLE | | 27,620 | 0 | 700 |
Microsoft Corp. | COM | 594918104 | 17,203 | 201,110 | SH | | SOLE | | 197,385 | 0 | 3,725 |
Moody's Corporation | COM | 615369105 | 214 | 1,449 | SH | | SOLE | | 1,449 | 0 | 0 |
Nestle SA Spon ADR | COM | 641069406 | 5,970 | 69,448 | SH | | SOLE | | 68,523 | 0 | 925 |
NextEra Energy, Inc. | COM | 65339F101 | 470 | 3,009 | SH | | SOLE | | 3,009 | 0 | 0 |
Occidental Petroleum | COM | 674599105 | 4,981 | 67,626 | SH | | SOLE | | 67,301 | 0 | 325 |
PNC Financial Services Group, | COM | 693475105 | 12,240 | 84,828 | SH | | SOLE | | 83,803 | 0 | 1,025 |
PPL Corporation | COM | 69351T106 | 4,699 | 151,813 | SH | | SOLE | | 147,513 | 0 | 4,300 |
Pardee Resources Company, Inc. | COM | 699437109 | 907 | 4,674 | SH | | SOLE | | 4,000 | 0 | 674 |
Paychex Inc. | COM | 704326107 | 6,041 | 88,731 | SH | | SOLE | | 88,206 | 0 | 525 |
PepsiCo Inc. | COM | 713448108 | 7,919 | 66,036 | SH | | SOLE | | 65,411 | 0 | 625 |
Pfizer, Inc. | COM | 717081103 | 1,464 | 40,431 | SH | | SOLE | | 38,006 | 0 | 2,425 |
Pinnacle Financial Partners In | COM | 72346Q104 | 286 | 4,317 | SH | | SOLE | | 4,317 | 0 | 0 |
Praxair Inc. | COM | 74005P104 | 234 | 1,515 | SH | | SOLE | | 1,515 | 0 | 0 |
Procter & Gamble | COM | 742718109 | 3,123 | 33,987 | SH | | SOLE | | 32,687 | 0 | 1,300 |
Qualcomm Inc. | COM | 747525103 | 6,857 | 107,107 | SH | | SOLE | | 105,407 | 0 | 1,700 |
Quanta Services, Inc. | COM | 74762e102 | 237 | 6,062 | SH | | SOLE | | 6,062 | 0 | 0 |
Raytheon Company | COM NEW | 755111507 | 355 | 1,892 | SH | | SOLE | | 1,892 | 0 | 0 |
Rockwell Automation, Inc. | COM | 773903109 | 215 | 1,097 | SH | | SOLE | | 1,097 | 0 | 0 |
Rockwell Collins Inc. | COM | 774341101 | 10,793 | 79,580 | SH | | SOLE | | 79,380 | 0 | 200 |
Roper Technologies | COM | 776696106 | 9,351 | 36,103 | SH | | SOLE | | 35,888 | 0 | 215 |
S&P Global Inc | COM | 78409V104 | 631 | 3,727 | SH | | SOLE | | 3,727 | 0 | 0 |
Schlumberger Ltd | COM | 806857108 | 4,730 | 70,187 | SH | | SOLE | | 69,962 | 0 | 225 |
Sherwin Williams | COM | 824348106 | 563 | 1,373 | SH | | SOLE | | 1,373 | 0 | 0 |
Southern Company | COM | 842587107 | 394 | 8,194 | SH | | SOLE | | 7,569 | 0 | 625 |
Starbucks Corporation | COM | 855244109 | 7,145 | 124,410 | SH | | SOLE | | 124,035 | 0 | 375 |
Stryker Corporation | COM | 863667101 | 435 | 2,810 | SH | | SOLE | | 2,810 | 0 | 0 |
Sun Communities Inc. | COM | 866674104 | 1,368 | 14,748 | SH | | SOLE | | 14,748 | 0 | 0 |
SunTrust Banks | COM | 867914103 | 9,786 | 151,514 | SH | | SOLE | | 150,674 | 0 | 840 |
Sysco Corp. | COM | 871829107 | 393 | 6,471 | SH | | SOLE | | 6,471 | 0 | 0 |
TJX Companies Inc. | COM | 872540109 | 8,903 | 116,434 | SH | | SOLE | | 116,134 | 0 | 300 |
The Scotts Miracle-Gro Company | CL A | 810186106 | 233 | 2,175 | SH | | SOLE | | 2,175 | 0 | 0 |
Thermo Fisher Scientific, Inc. | COM | 883556102 | 613 | 3,229 | SH | | SOLE | | 3,229 | 0 | 0 |
Total System Services, Inc. | COM | 891906109 | 403 | 5,100 | SH | | SOLE | | 5,100 | 0 | 0 |
U.S. Rare Earth Minerals Inc. | COM | 903410207 | 2 | 25,000 | SH | | SOLE | | 25,000 | 0 | 0 |
Union Pacific Corp. | COM | 907818108 | 1,039 | 7,751 | SH | | SOLE | | 7,751 | 0 | 0 |
United Technologies | COM | 913017109 | 1,685 | 13,211 | SH | | SOLE | | 13,161 | 0 | 50 |
VIVUS, Inc. | COM | 928551100 | 12 | 24,500 | SH | | SOLE | | 24,500 | 0 | 0 |
Verizon Communications | COM | 92343v104 | 6,173 | 116,621 | SH | | SOLE | | 115,080 | 0 | 1,541 |
Versum Materials Inc | COM | 92532w103 | 228 | 6,030 | SH | | SOLE | | 5,993 | 0 | 37 |
Vulcan Materials Co. | COM | 929160109 | 257 | 2,000 | SH | | SOLE | | 2,000 | 0 | 0 |
WP Carey Inc | COM | 92936U109 | 1,691 | 24,550 | SH | | SOLE | | 23,600 | 0 | 950 |
Waste Management Inc. | COM | 94106L109 | 776 | 8,988 | SH | | SOLE | | 8,988 | 0 | 0 |
Wells Fargo | COM | 949746101 | 209 | 3,437 | SH | | SOLE | | 3,437 | 0 | 0 |
Welltower Inc. | COM | 95040Q104 | 907 | 14,230 | SH | | SOLE | | 13,380 | 0 | 850 |
PowerShares QQQ Nasdaq 100 | UNIT SER 1 | 73935a104 | 382 | 2,451 | SH | | SOLE | | 2,451 | 0 | 0 |
ProShares Large Cap Core Plus | PSHS LC COR PLUS | 74347R248 | 399 | 5,970 | SH | | SOLE | | 5,970 | 0 | 0 |
SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 206 | 771 | SH | | SOLE | | 771 | 0 | 0 |
iShares Core S&P MidCap | CORE S&P MCP ETF | 464287507 | 336 | 1,771 | SH | | SOLE | | 1,771 | 0 | 0 |
iShares Core S&P Small-Cap ETF | CORE S&P SCP ETF | 464287804 | 1,563 | 20,355 | SH | | SOLE | | 20,355 | 0 | 0 |
iShares Russell 1000 Value Ind | RUS 1000 VAL ETF | 464287598 | 514 | 4,131 | SH | | SOLE | | 4,000 | 0 | 131 |
iShares Russell 2000 Index Fun | RUSSELL 2000 ETF | 464287655 | 484 | 3,175 | SH | | SOLE | | 3,175 | 0 | 0 |
iShares Russell 2000 Value Ind | RUS 2000 VAL ETF | 464287630 | 15,886 | 126,332 | SH | | SOLE | | 125,877 | 0 | 455 |
iShares Russell Midcap Index F | RUS MID CAP ETF | 464287499 | 446 | 2,142 | SH | | SOLE | | 2,142 | 0 | 0 |
First Trust Dow Jones Gbl Sele | DJ GLBL DIVID | 33734X200 | 449 | 17,050 | SH | | SOLE | | 17,050 | 0 | 0 |
Schwab Emerging Markets Equity | EMRG MKTEQ ETF | 808524706 | 316 | 11,303 | SH | | SOLE | | 11,303 | 0 | 0 |
Vanguard Emerging Markets | FTSE EMR MKT ETF | 922042858 | 297 | 6,479 | SH | | SOLE | | 6,479 | 0 | 0 |
iShares MSCI EAFE Index Fund | MSCI EAFE ETF | 464287465 | 3,010 | 42,817 | SH | | SOLE | | 42,817 | 0 | 0 |
iShares MSCI Emerging Markets | MSCI EMG MKT ETF | 464287234 | 704 | 14,949 | SH | | SOLE | | 14,949 | 0 | 0 |
SPDR Gold Trust | GOLD SHS | 78463v107 | 463 | 3,745 | SH | | SOLE | | 3,745 | 0 | 0 |
Schwab US Aggregate Bond ETF | US AGGREGATE B | 808524839 | 262 | 5,032 | SH | | SOLE | | 5,032 | 0 | 0 |
iShares Barclays US TIPS Fund | TIPS BD ETF | 464287176 | 237 | 2,075 | SH | | SOLE | | 2,075 | 0 | 0 |