| 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 | 3,041 | 27,991 | SH | | DFND | 1 | 27,991 | 0 | 0 |
| Accenture PLC | SHS CLASS A | G1151C101 | 305 | 1,098 | SH | | DFND | 1 | 1,098 | 0 | 0 |
| Adobe Systems Inc | COM | 00724F101 | 952 | 2,601 | SH | | DFND | 1 | 2,601 | 0 | 0 |
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 6,573 | 3,005 | SH | | DFND | 1 | 3,005 | 0 | 0 |
| Amazon Communications Inc | COM | 023135106 | 3,875 | 36,484 | SH | | DFND | 1 | 36,484 | 0 | 0 |
| American Tower REIT Inc | COM | 03027X100 | 2,447 | 9,574 | SH | | DFND | 1 | 9,574 | 0 | 0 |
| Amerisourcebergen Corp | COM | 03073E105 | 941 | 6,650 | SH | | DFND | 1 | 6,650 | 0 | 0 |
| Analog Devices Inc | COM | 032654105 | 1,330 | 9,105 | SH | | DFND | 1 | 9,105 | 0 | 0 |
| Apple Computer Inc | COM | 037833100 | 8,646 | 63,238 | SH | | DFND | 1 | 63,238 | 0 | 0 |
| AT&T Inc | COM | 00206R102 | 383 | 18,271 | SH | | DFND | 1 | 18,271 | 0 | 0 |
| Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 314 | 1,150 | SH | | DFND | 1 | 1,150 | 0 | 0 |
| Biogen Idec Inc | COM | 09062X103 | 953 | 4,674 | SH | | DFND | 1 | 4,674 | 0 | 0 |
| Blackrock, Inc. | COM | 09247X101 | 627 | 1,029 | SH | | DFND | 1 | 1,029 | 0 | 0 |
| Blackstone Inc | COM | 09260D107 | 912 | 10,000 | SH | | DFND | 1 | 10,000 | 0 | 0 |
| Boeing Co | COM | 097023105 | 358 | 2,617 | SH | | DFND | 1 | 2,617 | 0 | 0 |
| Bristol Myers Squibb Co | COM | 110122108 | 1,615 | 20,973 | SH | | DFND | 1 | 20,973 | 0 | 0 |
| CDW Corporation | COM | 12514G108 | 1,005 | 6,379 | SH | | DFND | 1 | 6,379 | 0 | 0 |
| Chevron Corp | COM | 166764100 | 1,239 | 8,560 | SH | | DFND | 1 | 8,560 | 0 | 0 |
| Chipotle Mexican Grill Inc Corp Common | COM | 169656105 | 1,825 | 1,396 | SH | | DFND | 1 | 1,396 | 0 | 0 |
| Cisco Systems Inc | COM | 17275R102 | 953 | 22,349 | SH | | DFND | 1 | 22,349 | 0 | 0 |
| Citigroup Inc Common New | COM NEW | 172967424 | 554 | 12,041 | SH | | DFND | 1 | 12,041 | 0 | 0 |
| Citizens & Northern Corp | COM | 172922106 | 7,902 | 326,922 | SH | | DFND | 1 | 326,922 | 0 | 0 |
| Citizens Financial Services Inc | COM | 174615104 | 6,068 | 86,687 | SH | | DFND | 1 | 86,687 | 0 | 0 |
| CME Group Inc | COM | 12572Q105 | 297 | 1,453 | SH | | DFND | 1 | 1,453 | 0 | 0 |
| Coca Cola Co | COM | 191216100 | 1,554 | 24,698 | SH | | DFND | 1 | 24,698 | 0 | 0 |
| Comcast Corp Class A | CL A | 20030N101 | 1,884 | 48,009 | SH | | DFND | 1 | 48,009 | 0 | 0 |
| Communication Services Select Sector SPDR ETF | COMMUNICATION | 81369Y852 | 402 | 7,405 | SH | | DFND | 1 | 7,405 | 0 | 0 |
| Community Bank System, Inc | COM | 203607106 | 330 | 5,216 | SH | | DFND | 1 | 5,216 | 0 | 0 |
| Corning Inc | COM | 219350105 | 696 | 22,093 | SH | | DFND | 1 | 22,093 | 0 | 0 |
| Costco Wholesale Corp (New) | COM | 22160K105 | 2,872 | 5,992 | SH | | DFND | 1 | 5,992 | 0 | 0 |
| CVS Health Corporation | COM | 126650100 | 2,786 | 30,070 | SH | | DFND | 1 | 30,070 | 0 | 0 |
| Danaher Corp | COM | 235851102 | 236 | 929 | SH | | DFND | 1 | 929 | 0 | 0 |
| Deere & Co | COM | 244199105 | 1,481 | 4,947 | SH | | DFND | 1 | 4,947 | 0 | 0 |
| Disney Walt Co | COM | 254687106 | 541 | 5,728 | SH | | DFND | 1 | 5,728 | 0 | 0 |
| DuPont de Nemours Inc | COM | 26614N102 | 635 | 11,425 | SH | | DFND | 1 | 11,425 | 0 | 0 |
| Eli Lilly & Co | COM | 532457108 | 216 | 665 | SH | | DFND | 1 | 665 | 0 | 0 |
| EOG Resources, Inc. | COM | 26875P101 | 1,304 | 11,806 | SH | | DFND | 1 | 11,806 | 0 | 0 |
| Exxon Mobil Corp | COM | 30231G102 | 2,534 | 29,587 | SH | | DFND | 1 | 29,587 | 0 | 0 |
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 14,584 | 536,949 | SH | | DFND | 1 | 536,949 | 0 | 0 |
| Financials Select Sector SPDR | FINANCIAL | 81369Y605 | 356 | 11,324 | SH | | DFND | 1 | 11,324 | 0 | 0 |
| FlexShares Core Select Bond Fund ETF | CRE SLCT BD FD | 33939L670 | 226 | 9,825 | SH | | DFND | 1 | 9,825 | 0 | 0 |
| Flexshares Morningstar Global Upstream Nat Res Index ETF | MORNSTAR UPSTR | 33939L407 | 20,013 | 504,479 | SH | | DFND | 1 | 504,479 | 0 | 0 |
| Freeport-McMoran, Inc. | CL B | 35671D857 | 584 | 19,976 | SH | | DFND | 1 | 19,976 | 0 | 0 |
| General Dynamics Corp | COM | 369550108 | 1,769 | 7,995 | SH | | DFND | 1 | 7,995 | 0 | 0 |
| Halliburton Co | COM | 406216101 | 1,191 | 37,981 | SH | | DFND | 1 | 37,981 | 0 | 0 |
| Home Depot Inc | COM | 437076102 | 1,800 | 6,562 | SH | | DFND | 1 | 6,562 | 0 | 0 |
| Honeywell Intl Inc | COM | 438516106 | 1,648 | 9,479 | SH | | DFND | 1 | 9,479 | 0 | 0 |
| Illinois Tool Works Inc | COM | 452308109 | 263 | 1,442 | SH | | DFND | 1 | 1,442 | 0 | 0 |
| Intel Corp | COM | 458140100 | 872 | 23,309 | SH | | DFND | 1 | 23,309 | 0 | 0 |
| Intercontinental Exchange Inc Common | COM | 45866F104 | 1,633 | 17,369 | SH | | DFND | 1 | 17,369 | 0 | 0 |
| International Business Machines | COM | 459200101 | 1,405 | 9,949 | SH | | DFND | 1 | 9,949 | 0 | 0 |
| Invesco KBW Bank ETF | KBW BK ETF | 46138E628 | 229 | 4,428 | SH | | DFND | 1 | 4,428 | 0 | 0 |
| iShares Barclays MBS Bond Fund ETF | MBS ETF | 464288588 | 1,812 | 18,589 | SH | | DFND | 1 | 18,589 | 0 | 0 |
| iShares Barclays TIPS Bond Fund | TIPS BD ETF | 464287176 | 221 | 1,940 | SH | | DFND | 1 | 1,940 | 0 | 0 |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 309 | 815 | SH | | DFND | 1 | 815 | 0 | 0 |
| iShares Dow Jones U.S. Aerospace and Defense Index Fund ETF | US AER DEF ETF | 464288760 | 283 | 2,851 | SH | | DFND | 1 | 2,851 | 0 | 0 |
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | 464288513 | 567 | 7,708 | SH | | DFND | 1 | 7,708 | 0 | 0 |
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 10,609 | 124,349 | SH | | DFND | 1 | 124,349 | 0 | 0 |
| iShares MSCI EAFE Small Cap Index ETF | EAFE SML CP ETF | 464288273 | 1,359 | 24,897 | SH | | DFND | 1 | 24,897 | 0 | 0 |
| iShares PHLX Semiconductor ETF | ISHARES SEMICDTR | 464287523 | 359 | 1,027 | SH | | DFND | 1 | 1,027 | 0 | 0 |
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 457 | 3,153 | SH | | DFND | 1 | 3,153 | 0 | 0 |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 9,050 | 40,002 | SH | | DFND | 1 | 40,002 | 0 | 0 |
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 755 | 3,450 | SH | | DFND | 1 | 3,450 | 0 | 0 |
| Johnson & Johnson | COM | 478160104 | 1,951 | 10,993 | SH | | DFND | 1 | 10,993 | 0 | 0 |
| JPMorgan Chase & Co | COM | 46625H100 | 3,329 | 29,565 | SH | | DFND | 1 | 29,565 | 0 | 0 |
| Lauder (Estee) Cos Inc Class A | CL A | 518439104 | 1,931 | 7,584 | SH | | DFND | 1 | 7,584 | 0 | 0 |
| Marsh & McLennan Cos Inc | COM | 571748102 | 998 | 6,427 | SH | | DFND | 1 | 6,427 | 0 | 0 |
| Masco Corp | COM | 574599106 | 1,130 | 22,327 | SH | | DFND | 1 | 22,327 | 0 | 0 |
| Mastercard Inc Class A | CL A | 57636Q104 | 3,180 | 10,081 | SH | | DFND | 1 | 10,081 | 0 | 0 |
| McDonalds Corp | COM | 580135101 | 1,650 | 6,683 | SH | | DFND | 1 | 6,683 | 0 | 0 |
| Meta Platforms Inc | CL A | 30303M102 | 2,051 | 12,718 | SH | | DFND | 1 | 12,718 | 0 | 0 |
| Microsoft Corp | COM | 594918104 | 8,486 | 33,043 | SH | | DFND | 1 | 33,043 | 0 | 0 |
| Mondelez Intl Inc Class A | CL A | 609207105 | 2,006 | 32,302 | SH | | DFND | 1 | 32,302 | 0 | 0 |
| National Fuel Gas Co N J | COM | 636180101 | 245 | 3,702 | SH | | DFND | 1 | 3,702 | 0 | 0 |
| Nextera Energy Inc | COM | 65339F101 | 1,497 | 19,327 | SH | | DFND | 1 | 19,327 | 0 | 0 |
| Nike, Inc. Class B | CL B | 654106103 | 2,252 | 22,036 | SH | | DFND | 1 | 22,036 | 0 | 0 |
| Norfolk Southern Corp | COM | 655844108 | 1,667 | 7,334 | SH | | DFND | 1 | 7,334 | 0 | 0 |
| Nvidia Corp | COM | 67066G104 | 2,185 | 14,411 | SH | | DFND | 1 | 14,411 | 0 | 0 |
| Oracle Corp | COM | 68389X105 | 259 | 3,709 | SH | | DFND | 1 | 3,709 | 0 | 0 |
| Palo Alto Networks Inc Common | COM | 697435105 | 1,719 | 3,481 | SH | | DFND | 1 | 3,481 | 0 | 0 |
| Pfizer Inc | COM | 717081103 | 2,118 | 40,405 | SH | | DFND | 1 | 40,405 | 0 | 0 |
| Procter & Gamble Co | COM | 742718109 | 2,515 | 17,488 | SH | | DFND | 1 | 17,488 | 0 | 0 |
| Roper Industries Inc New | COM | 776696106 | 440 | 1,115 | SH | | DFND | 1 | 1,115 | 0 | 0 |
| Salesforce, Inc. | COM | 79466L302 | 1,902 | 11,523 | SH | | DFND | 1 | 11,523 | 0 | 0 |
| Schlumberger Ltd | COM STK | 806857108 | 909 | 25,421 | SH | | DFND | 1 | 25,421 | 0 | 0 |
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 783 | 2,543 | SH | | DFND | 1 | 2,543 | 0 | 0 |
| SPDR Portfolio Long Term Treasury ETF | PORTFOLIO LN TSR | 78464A664 | 1,183 | 35,786 | SH | | DFND | 1 | 35,786 | 0 | 0 |
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 1,171 | 3,105 | SH | | DFND | 1 | 3,105 | 0 | 0 |
| SYSCO Corp | COM | 871829107 | 234 | 2,763 | SH | | DFND | 1 | 2,763 | 0 | 0 |
| Target Corp | COM | 87612E106 | 220 | 1,557 | SH | | DFND | 1 | 1,557 | 0 | 0 |
| Tjx Companies (New) | COM | 872540109 | 1,016 | 18,192 | SH | | DFND | 1 | 18,192 | 0 | 0 |
| Trevena Inc. | COM | 89532E109 | 7 | 16,000 | SH | | DFND | 1 | 16,000 | 0 | 0 |
| Truist Financial Corporation | COM | 89832Q109 | 1,618 | 34,112 | SH | | DFND | 1 | 34,112 | 0 | 0 |
| Union Pacific Corp | COM | 907818108 | 1,076 | 5,044 | SH | | DFND | 1 | 5,044 | 0 | 0 |
| Unitedhealth Group, Inc. | COM | 91324P102 | 382 | 744 | SH | | DFND | 1 | 744 | 0 | 0 |
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 542 | 3,775 | SH | | DFND | 1 | 3,775 | 0 | 0 |
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 29,285 | 520,337 | SH | | DFND | 1 | 520,337 | 0 | 0 |
| Vanguard Total International Bond Index Fund ETF | TOTAL INT BD ETF | 92203J407 | 1,325 | 26,750 | SH | | DFND | 1 | 26,750 | 0 | 0 |
| Verizon Communications | COM | 92343V104 | 791 | 15,585 | SH | | DFND | 1 | 15,585 | 0 | 0 |
| W W Grainger Inc | COM | 384802104 | 1,075 | 2,366 | SH | | DFND | 1 | 2,366 | 0 | 0 |
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,408 | 13,400 | SH | | DFND | 1 | 13,400 | 0 | 0 |
