| 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 |
| Abbott Labs | COM | 002824100 | 4,157 | 29,540 | SH | | DFND | 1 | 29,540 | 0 | 0 |
| Accenture PLC | SHS CLASS A | G1151C101 | 2,149 | 5,184 | SH | | DFND | 1 | 5,184 | 0 | 0 |
| Activision Blizzard Inc Common | COM | 00507V109 | 771 | 11,594 | SH | | DFND | 1 | 11,594 | 0 | 0 |
| Adobe Systems Inc | COM | 00724F101 | 1,272 | 2,243 | SH | | DFND | 1 | 2,243 | 0 | 0 |
| Allstate Corp | COM | 020002101 | 237 | 2,018 | SH | | DFND | 1 | 2,018 | 0 | 0 |
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 8,258 | 2,854 | SH | | DFND | 1 | 2,854 | 0 | 0 |
| Amazon Communications Inc | COM | 023135106 | 6,048 | 1,814 | SH | | DFND | 1 | 1,814 | 0 | 0 |
| American Tower REIT Inc | COM | 03027X100 | 3,009 | 10,288 | SH | | DFND | 1 | 10,288 | 0 | 0 |
| Amerisourcebergen Corp | COM | 03073E105 | 640 | 4,818 | SH | | DFND | 1 | 4,818 | 0 | 0 |
| Analog Devices Inc | COM | 032654105 | 1,554 | 8,843 | SH | | DFND | 1 | 8,843 | 0 | 0 |
| Apple Computer Inc | COM | 037833100 | 11,459 | 64,531 | SH | | DFND | 1 | 64,531 | 0 | 0 |
| AT&T Inc | COM | 00206R102 | 446 | 18,142 | SH | | DFND | 1 | 18,142 | 0 | 0 |
| Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 329 | 1,100 | SH | | DFND | 1 | 1,100 | 0 | 0 |
| Blackrock, Inc. | COM | 09247X101 | 1,349 | 1,473 | SH | | DFND | 1 | 1,473 | 0 | 0 |
| Blackstone Inc | COM | 09260D107 | 1,262 | 9,754 | SH | | DFND | 1 | 9,754 | 0 | 0 |
| Boeing Co | COM | 097023105 | 952 | 4,728 | SH | | DFND | 1 | 4,728 | 0 | 0 |
| Bristol Myers Squibb Co | COM | 110122108 | 1,339 | 21,472 | SH | | DFND | 1 | 21,472 | 0 | 0 |
| Charles Schwab Corp | COM | 808513105 | 221 | 2,624 | SH | | DFND | 1 | 2,624 | 0 | 0 |
| Chevron Corp | COM | 166764100 | 1,065 | 9,075 | SH | | DFND | 1 | 9,075 | 0 | 0 |
| Chipotle Mexican Grill Inc Corp Common | COM | 169656105 | 1,813 | 1,037 | SH | | DFND | 1 | 1,037 | 0 | 0 |
| Cisco Systems Inc | COM | 17275R102 | 264 | 4,163 | SH | | DFND | 1 | 4,163 | 0 | 0 |
| Citigroup Inc Common New | COM NEW | 172967424 | 1,080 | 17,892 | SH | | DFND | 1 | 17,892 | 0 | 0 |
| Citizens & Northern Corp | COM | 172922106 | 7,166 | 274,354 | SH | | DFND | 1 | 274,354 | 0 | 0 |
| CME Group Inc | COM | 12572Q105 | 416 | 1,819 | SH | | DFND | 1 | 1,819 | 0 | 0 |
| Coca Cola Co | COM | 191216100 | 1,511 | 25,515 | SH | | DFND | 1 | 25,515 | 0 | 0 |
| Comcast Corp Class A | CL A | 20030N101 | 2,495 | 49,578 | SH | | DFND | 1 | 49,578 | 0 | 0 |
| Community Bank System, Inc | COM | 203607106 | 388 | 5,216 | SH | | DFND | 1 | 5,216 | 0 | 0 |
| Corning Inc | COM | 219350105 | 837 | 22,473 | SH | | DFND | 1 | 22,473 | 0 | 0 |
| Corteva Inc | COM | 22052L104 | 267 | 5,653 | SH | | DFND | 1 | 5,653 | 0 | 0 |
| Costco Wholesale Corp (New) | COM | 22160K105 | 3,446 | 6,070 | SH | | DFND | 1 | 6,070 | 0 | 0 |
| CVS Health Corporation | COM | 126650100 | 3,173 | 30,756 | SH | | DFND | 1 | 30,756 | 0 | 0 |
| Danaher Corp | COM | 235851102 | 457 | 1,388 | SH | | DFND | 1 | 1,388 | 0 | 0 |
| Deere & Co | COM | 244199105 | 2,386 | 6,959 | SH | | DFND | 1 | 6,959 | 0 | 0 |
| Disney Walt Co | COM | 254687106 | 1,104 | 7,125 | SH | | DFND | 1 | 7,125 | 0 | 0 |
| Dow, Inc | COM | 260557103 | 325 | 5,734 | SH | | DFND | 1 | 5,734 | 0 | 0 |
| DuPont de Nemours Inc | COM | 26614N102 | 1,362 | 16,859 | SH | | DFND | 1 | 16,859 | 0 | 0 |
| EBAY Inc | COM | 278642103 | 1,366 | 20,541 | SH | | DFND | 1 | 20,541 | 0 | 0 |
| Ecolab Inc. | COM | 278865100 | 1,231 | 5,247 | SH | | DFND | 1 | 5,247 | 0 | 0 |
| Eli Lilly & Co | COM | 532457108 | 2,149 | 7,779 | SH | | DFND | 1 | 7,779 | 0 | 0 |
| EOG Resources, Inc. | COM | 26875P101 | 1,095 | 12,323 | SH | | DFND | 1 | 12,323 | 0 | 0 |
| Exxon Mobil Corp | COM | 30231G102 | 1,922 | 31,414 | SH | | DFND | 1 | 31,414 | 0 | 0 |
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 19,759 | 569,096 | SH | | DFND | 1 | 569,096 | 0 | 0 |
| Fidelity Natl Financial Common | FNF GROUP COM | 31620R303 | 240 | 4,609 | SH | | DFND | 1 | 4,609 | 0 | 0 |
| Fidelity Natl Information Common | COM | 31620M106 | 209 | 1,918 | SH | | DFND | 1 | 1,918 | 0 | 0 |
| Flexshares Morningstar Global Upstream Nat Res Index ETF | MORNSTAR UPSTR | 33939L407 | 18,713 | 473,867 | SH | | DFND | 1 | 473,867 | 0 | 0 |
| General Dynamics Corp | COM | 369550108 | 1,729 | 8,292 | SH | | DFND | 1 | 8,292 | 0 | 0 |
| Halliburton Co | COM | 406216101 | 860 | 37,585 | SH | | DFND | 1 | 37,585 | 0 | 0 |
| Home Depot Inc | COM | 437076102 | 2,107 | 5,077 | SH | | DFND | 1 | 5,077 | 0 | 0 |
| Honeywell Intl Inc | COM | 438516106 | 2,040 | 9,784 | SH | | DFND | 1 | 9,784 | 0 | 0 |
| Illinois Tool Works Inc | COM | 452308109 | 356 | 1,442 | SH | | DFND | 1 | 1,442 | 0 | 0 |
| Intel Corp | COM | 458140100 | 1,821 | 35,363 | SH | | DFND | 1 | 35,363 | 0 | 0 |
| Intercontinental Exchange Inc Common | COM | 45866F104 | 2,440 | 17,838 | SH | | DFND | 1 | 17,838 | 0 | 0 |
| International Business Machines | COM | 459200101 | 1,412 | 10,565 | SH | | DFND | 1 | 10,565 | 0 | 0 |
| iShares Barclays MBS Bond Fund ETF | MBS ETF | 464288588 | 1,769 | 16,469 | SH | | DFND | 1 | 16,469 | 0 | 0 |
| iShares Barclays TIPS Bond Fund | TIPS BD ETF | 464287176 | 251 | 1,940 | SH | | DFND | 1 | 1,940 | 0 | 0 |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 461 | 967 | SH | | DFND | 1 | 967 | 0 | 0 |
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | 464288513 | 648 | 7,453 | SH | | DFND | 1 | 7,453 | 0 | 0 |
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 15,343 | 140,681 | SH | | DFND | 1 | 140,681 | 0 | 0 |
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 605 | 3,601 | SH | | DFND | 1 | 3,601 | 0 | 0 |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 11,334 | 40,039 | SH | | DFND | 1 | 40,039 | 0 | 0 |
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 1,271 | 4,159 | SH | | DFND | 1 | 4,159 | 0 | 0 |
| Johnson & Johnson | COM | 478160104 | 1,956 | 11,436 | SH | | DFND | 1 | 11,436 | 0 | 0 |
| JPMorgan Chase & Co | COM | 46625H100 | 4,974 | 31,410 | SH | | DFND | 1 | 31,410 | 0 | 0 |
| Lauder (Estee) Cos Inc Class A | CL A | 518439104 | 2,938 | 7,936 | SH | | DFND | 1 | 7,936 | 0 | 0 |
| Lowes Cos Inc | COM | 548661107 | 204 | 790 | SH | | DFND | 1 | 790 | 0 | 0 |
| Marsh & McLennan Cos Inc | COM | 571748102 | 1,177 | 6,770 | SH | | DFND | 1 | 6,770 | 0 | 0 |
| Masco Corp | COM | 574599106 | 1,639 | 23,348 | SH | | DFND | 1 | 23,348 | 0 | 0 |
| Mastercard Inc Class A | CL A | 57636Q104 | 3,519 | 9,794 | SH | | DFND | 1 | 9,794 | 0 | 0 |
| McDonalds Corp | COM | 580135101 | 1,868 | 6,970 | SH | | DFND | 1 | 6,970 | 0 | 0 |
| Meta Platforms Inc | CL A | 30303M102 | 4,031 | 11,986 | SH | | DFND | 1 | 11,986 | 0 | 0 |
| Microchip Technology Inc | COM | 595017104 | 283 | 3,256 | SH | | DFND | 1 | 3,256 | 0 | 0 |
| Microsoft Corp | COM | 594918104 | 11,399 | 33,892 | SH | | DFND | 1 | 33,892 | 0 | 0 |
| Mondelez Intl Inc Class A | CL A | 609207105 | 2,261 | 34,090 | SH | | DFND | 1 | 34,090 | 0 | 0 |
| National Fuel Gas Co N J | COM | 636180101 | 230 | 3,590 | SH | | DFND | 1 | 3,590 | 0 | 0 |
| Nextera Energy Inc | COM | 65339F101 | 1,775 | 19,013 | SH | | DFND | 1 | 19,013 | 0 | 0 |
| Nike, Inc. Class B | CL B | 654106103 | 3,198 | 19,190 | SH | | DFND | 1 | 19,190 | 0 | 0 |
| Norfolk Southern Corp | COM | 655844108 | 2,273 | 7,635 | SH | | DFND | 1 | 7,635 | 0 | 0 |
| Nvidia Corp | COM | 67066G104 | 4,380 | 14,892 | SH | | DFND | 1 | 14,892 | 0 | 0 |
| Oracle Corp | COM | 68389X105 | 595 | 6,817 | SH | | DFND | 1 | 6,817 | 0 | 0 |
| Palo Alto Networks Inc Common | COM | 697435105 | 1,884 | 3,383 | SH | | DFND | 1 | 3,383 | 0 | 0 |
| Pfizer Inc | COM | 717081103 | 2,321 | 39,307 | SH | | DFND | 1 | 39,307 | 0 | 0 |
| PPL Corp | COM | 69351T106 | 274 | 9,106 | SH | | DFND | 1 | 9,106 | 0 | 0 |
| Procter & Gamble Co | COM | 742718109 | 2,867 | 17,528 | SH | | DFND | 1 | 17,528 | 0 | 0 |
| Rockwell Automation Inc Common | COM | 773903109 | 307 | 880 | SH | | DFND | 1 | 880 | 0 | 0 |
| Roper Industries Inc New | COM | 776696106 | 548 | 1,115 | SH | | DFND | 1 | 1,115 | 0 | 0 |
| Salesforce.Com | COM | 79466L302 | 2,779 | 10,935 | SH | | DFND | 1 | 10,935 | 0 | 0 |
| Schlumberger Ltd | COM STK | 806857108 | 768 | 25,650 | SH | | DFND | 1 | 25,650 | 0 | 0 |
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 924 | 2,543 | SH | | DFND | 1 | 2,543 | 0 | 0 |
| SPDR Portfolio Long Term Treasury ETF | PORTFOLIO LN TSR | 78464A664 | 643 | 15,260 | SH | | DFND | 1 | 15,260 | 0 | 0 |
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 1,640 | 3,453 | SH | | DFND | 1 | 3,453 | 0 | 0 |
| Stryker Corp | COM | 863667101 | 210 | 787 | SH | | DFND | 1 | 787 | 0 | 0 |
| SYSCO Corp | COM | 871829107 | 275 | 3,505 | SH | | DFND | 1 | 3,505 | 0 | 0 |
| Target Corp | COM | 87612E106 | 360 | 1,557 | SH | | DFND | 1 | 1,557 | 0 | 0 |
| Tjx Companies (New) | COM | 872540109 | 1,465 | 19,303 | SH | | DFND | 1 | 19,303 | 0 | 0 |
| Truist Financial Corporation | COM | 89832Q109 | 2,069 | 35,341 | SH | | DFND | 1 | 35,341 | 0 | 0 |
| Union Pacific Corp | COM | 907818108 | 1,271 | 5,044 | SH | | DFND | 1 | 5,044 | 0 | 0 |
| Unitedhealth Group, Inc. | COM | 91324P102 | 454 | 904 | SH | | DFND | 1 | 904 | 0 | 0 |
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 697 | 4,058 | SH | | DFND | 1 | 4,058 | 0 | 0 |
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 36,004 | 458,420 | SH | | DFND | 1 | 458,420 | 0 | 0 |
| Vanguard Total International Bond Index Fund ETF | TOTAL INT BD ETF | 92203J407 | 1,571 | 28,476 | SH | | DFND | 1 | 28,476 | 0 | 0 |
| Vanguard Total World Stock Index Fund ETF | TT WRLD ST ETF | 922042742 | 215 | 2,000 | SH | | DFND | 1 | 2,000 | 0 | 0 |
| Verizon Communications | COM | 92343V104 | 818 | 15,740 | SH | | DFND | 1 | 15,740 | 0 | 0 |
| W W Grainger Inc | COM | 384802104 | 1,950 | 3,762 | SH | | DFND | 1 | 3,762 | 0 | 0 |
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,799 | 14,161 | SH | | DFND | 1 | 14,161 | 0 | 0 |
