| 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 | 2,712 | 28,025 | SH | | DFND | 1 | 28,025 | 0 | 0 |
| Accenture PLC | SHS CLASS A | G1151C101 | 281 | 1,093 | SH | | DFND | 1 | 1,093 | 0 | 0 |
| Adobe Systems Inc | COM | 00724F101 | 719 | 2,612 | SH | | DFND | 1 | 2,612 | 0 | 0 |
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 5,777 | 60,082 | SH | | DFND | 1 | 60,082 | 0 | 0 |
| Amazon Communications Inc | COM | 023135106 | 4,125 | 36,503 | SH | | DFND | 1 | 36,503 | 0 | 0 |
| American Tower REIT Inc | COM | 03027X100 | 2,061 | 9,599 | SH | | DFND | 1 | 9,599 | 0 | 0 |
| Amerisourcebergen Corp | COM | 03073E105 | 904 | 6,683 | SH | | DFND | 1 | 6,683 | 0 | 0 |
| Analog Devices Inc | COM | 032654105 | 1,271 | 9,121 | SH | | DFND | 1 | 9,121 | 0 | 0 |
| Apple Computer Inc | COM | 037833100 | 8,747 | 63,293 | SH | | DFND | 1 | 63,293 | 0 | 0 |
| AT&T Inc | COM | 00206R102 | 276 | 17,971 | SH | | DFND | 1 | 17,971 | 0 | 0 |
| Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 307 | 1,150 | SH | | DFND | 1 | 1,150 | 0 | 0 |
| Biogen Idec Inc | COM | 09062X103 | 1,250 | 4,681 | SH | | DFND | 1 | 4,681 | 0 | 0 |
| Blackrock, Inc. | COM | 09247X101 | 766 | 1,392 | SH | | DFND | 1 | 1,392 | 0 | 0 |
| Blackstone Inc | COM | 09260D107 | 941 | 11,247 | SH | | DFND | 1 | 11,247 | 0 | 0 |
| Boeing Co | COM | 097023105 | 529 | 4,372 | SH | | DFND | 1 | 4,372 | 0 | 0 |
| Bristol Myers Squibb Co | COM | 110122108 | 1,475 | 20,747 | SH | | DFND | 1 | 20,747 | 0 | 0 |
| CDW Corporation | COM | 12514G108 | 998 | 6,393 | SH | | DFND | 1 | 6,393 | 0 | 0 |
| Chevron Corp | COM | 166764100 | 1,232 | 8,572 | SH | | DFND | 1 | 8,572 | 0 | 0 |
| Chipotle Mexican Grill Inc Corp Common | COM | 169656105 | 2,096 | 1,395 | SH | | DFND | 1 | 1,395 | 0 | 0 |
| Cisco Systems Inc | COM | 17275R102 | 896 | 22,393 | SH | | DFND | 1 | 22,393 | 0 | 0 |
| Citigroup Inc Common New | COM NEW | 172967424 | 703 | 16,870 | SH | | DFND | 1 | 16,870 | 0 | 0 |
| Citizens & Northern Corp | COM | 172922106 | 7,904 | 326,876 | SH | | DFND | 1 | 326,876 | 0 | 0 |
| Citizens Financial Services Inc | COM | 174615104 | 6,103 | 86,937 | SH | | DFND | 1 | 86,937 | 0 | 0 |
| CME Group Inc | COM | 12572Q105 | 257 | 1,453 | SH | | DFND | 1 | 1,453 | 0 | 0 |
| Coca Cola Co | COM | 191216100 | 1,385 | 24,730 | SH | | DFND | 1 | 24,730 | 0 | 0 |
| Comcast Corp Class A | CL A | 20030N101 | 1,411 | 48,113 | SH | | DFND | 1 | 48,113 | 0 | 0 |
| Community Bank System, Inc | COM | 203607106 | 313 | 5,216 | SH | | DFND | 1 | 5,216 | 0 | 0 |
| Corning Inc | COM | 219350105 | 641 | 22,093 | SH | | DFND | 1 | 22,093 | 0 | 0 |
| Costco Wholesale Corp (New) | COM | 22160K105 | 2,834 | 6,000 | SH | | DFND | 1 | 6,000 | 0 | 0 |
| CVS Health Corporation | COM | 126650100 | 2,870 | 30,093 | SH | | DFND | 1 | 30,093 | 0 | 0 |
| Danaher Corp | COM | 235851102 | 236 | 913 | SH | | DFND | 1 | 913 | 0 | 0 |
| Deere & Co | COM | 244199105 | 1,655 | 4,957 | SH | | DFND | 1 | 4,957 | 0 | 0 |
| Disney Walt Co | COM | 254687106 | 635 | 6,733 | SH | | DFND | 1 | 6,733 | 0 | 0 |
| DuPont de Nemours Inc | COM | 26614N102 | 577 | 11,452 | SH | | DFND | 1 | 11,452 | 0 | 0 |
| Eli Lilly & Co | COM | 532457108 | 204 | 630 | SH | | DFND | 1 | 630 | 0 | 0 |
| EOG Resources, Inc. | COM | 26875P101 | 1,323 | 11,845 | SH | | DFND | 1 | 11,845 | 0 | 0 |
| Exxon Mobil Corp | COM | 30231G102 | 2,588 | 29,645 | SH | | DFND | 1 | 29,645 | 0 | 0 |
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 13,010 | 543,913 | SH | | DFND | 1 | 543,913 | 0 | 0 |
| FlexShares Core Select Bond Fund ETF | CRE SLCT BD FD | 33939L670 | 272 | 12,494 | SH | | DFND | 1 | 12,494 | 0 | 0 |
| Flexshares Morningstar Global Upstream Nat Res Index ETF | MORNSTAR UPSTR | 33939L407 | 19,204 | 510,886 | SH | | DFND | 1 | 510,886 | 0 | 0 |
| FlexShares STOXX US ESG Select Index ETF | STOX US ESG SLCT | 33939L696 | 216 | 2,514 | SH | | DFND | 1 | 2,514 | 0 | 0 |
| Freeport-McMoran, Inc. | CL B | 35671D857 | 548 | 20,036 | SH | | DFND | 1 | 20,036 | 0 | 0 |
| General Dynamics Corp | COM | 369550108 | 1,698 | 8,003 | SH | | DFND | 1 | 8,003 | 0 | 0 |
| Halliburton Co | COM | 406216101 | 940 | 38,172 | SH | | DFND | 1 | 38,172 | 0 | 0 |
| Home Depot Inc | COM | 437076102 | 1,815 | 6,576 | SH | | DFND | 1 | 6,576 | 0 | 0 |
| Honeywell Intl Inc | COM | 438516106 | 1,585 | 9,491 | SH | | DFND | 1 | 9,491 | 0 | 0 |
| Illinois Tool Works Inc | COM | 452308109 | 260 | 1,442 | SH | | DFND | 1 | 1,442 | 0 | 0 |
| Intel Corp | COM | 458140100 | 914 | 35,461 | SH | | DFND | 1 | 35,461 | 0 | 0 |
| Intercontinental Exchange Inc Common | COM | 45866F104 | 1,572 | 17,401 | SH | | DFND | 1 | 17,401 | 0 | 0 |
| International Business Machines | COM | 459200101 | 1,186 | 9,980 | SH | | DFND | 1 | 9,980 | 0 | 0 |
| iShares Barclays MBS Bond Fund ETF | MBS ETF | 464288588 | 1,646 | 17,975 | SH | | DFND | 1 | 17,975 | 0 | 0 |
| iShares Barclays TIPS Bond Fund | TIPS BD ETF | 464287176 | 204 | 1,940 | SH | | DFND | 1 | 1,940 | 0 | 0 |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 292 | 815 | SH | | DFND | 1 | 815 | 0 | 0 |
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | 464288513 | 475 | 6,655 | SH | | DFND | 1 | 6,655 | 0 | 0 |
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 8,119 | 102,257 | SH | | DFND | 1 | 102,257 | 0 | 0 |
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 429 | 3,153 | SH | | DFND | 1 | 3,153 | 0 | 0 |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 8,814 | 40,200 | SH | | DFND | 1 | 40,200 | 0 | 0 |
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 726 | 3,450 | SH | | DFND | 1 | 3,450 | 0 | 0 |
| Johnson & Johnson | COM | 478160104 | 1,798 | 11,004 | SH | | DFND | 1 | 11,004 | 0 | 0 |
| JPMorgan Chase & Co | COM | 46625H100 | 3,097 | 29,632 | SH | | DFND | 1 | 29,632 | 0 | 0 |
| Lauder (Estee) Cos Inc Class A | CL A | 518439104 | 1,639 | 7,593 | SH | | DFND | 1 | 7,593 | 0 | 0 |
| Lowes Cos Inc | COM | 548661107 | 201 | 1,071 | SH | | DFND | 1 | 1,071 | 0 | 0 |
| Marsh & McLennan Cos Inc | COM | 571748102 | 962 | 6,442 | SH | | DFND | 1 | 6,442 | 0 | 0 |
| Masco Corp | COM | 574599106 | 1,045 | 22,385 | SH | | DFND | 1 | 22,385 | 0 | 0 |
| Mastercard Inc Class A | CL A | 57636Q104 | 2,871 | 10,098 | SH | | DFND | 1 | 10,098 | 0 | 0 |
| McDonalds Corp | COM | 580135101 | 1,542 | 6,682 | SH | | DFND | 1 | 6,682 | 0 | 0 |
| Meta Platforms Inc | CL A | 30303M102 | 1,962 | 14,459 | SH | | DFND | 1 | 14,459 | 0 | 0 |
| Microsoft Corp | COM | 594918104 | 7,706 | 33,089 | SH | | DFND | 1 | 33,089 | 0 | 0 |
| Mondelez Intl Inc Class A | CL A | 609207105 | 1,774 | 32,346 | SH | | DFND | 1 | 32,346 | 0 | 0 |
| National Fuel Gas Co N J | COM | 636180101 | 228 | 3,702 | SH | | DFND | 1 | 3,702 | 0 | 0 |
| Nextera Energy Inc | COM | 65339F101 | 1,513 | 19,302 | SH | | DFND | 1 | 19,302 | 0 | 0 |
| Nike, Inc. Class B | CL B | 654106103 | 1,833 | 22,058 | SH | | DFND | 1 | 22,058 | 0 | 0 |
| Norfolk Southern Corp | COM | 655844108 | 1,541 | 7,348 | SH | | DFND | 1 | 7,348 | 0 | 0 |
| Nvidia Corp | COM | 67066G104 | 1,748 | 14,403 | SH | | DFND | 1 | 14,403 | 0 | 0 |
| Oracle Corp | COM | 68389X105 | 227 | 3,709 | SH | | DFND | 1 | 3,709 | 0 | 0 |
| Palo Alto Networks Inc Common | COM | 697435105 | 1,715 | 10,468 | SH | | DFND | 1 | 10,468 | 0 | 0 |
| Pfizer Inc | COM | 717081103 | 1,760 | 40,215 | SH | | DFND | 1 | 40,215 | 0 | 0 |
| Procter & Gamble Co | COM | 742718109 | 2,140 | 16,949 | SH | | DFND | 1 | 16,949 | 0 | 0 |
| Roper Industries Inc New | COM | 776696106 | 401 | 1,115 | SH | | DFND | 1 | 1,115 | 0 | 0 |
| Salesforce, Inc. | COM | 79466L302 | 1,658 | 11,530 | SH | | DFND | 1 | 11,530 | 0 | 0 |
| Schlumberger Ltd | COM STK | 806857108 | 916 | 25,502 | SH | | DFND | 1 | 25,502 | 0 | 0 |
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 731 | 2,543 | SH | | DFND | 1 | 2,543 | 0 | 0 |
| SPDR Portfolio Long Term Treasury ETF | PORTFOLIO LN TSR | 78464A664 | 940 | 31,722 | SH | | DFND | 1 | 31,722 | 0 | 0 |
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 1,109 | 3,105 | SH | | DFND | 1 | 3,105 | 0 | 0 |
| Target Corp | COM | 87612E106 | 231 | 1,557 | SH | | DFND | 1 | 1,557 | 0 | 0 |
| Tjx Companies (New) | COM | 872540109 | 1,128 | 18,152 | SH | | DFND | 1 | 18,152 | 0 | 0 |
| Trevena Inc. | COM | 89532E109 | 2 | 16,000 | SH | | DFND | 1 | 16,000 | 0 | 0 |
| Truist Financial Corporation | COM | 89832Q109 | 1,491 | 34,233 | SH | | DFND | 1 | 34,233 | 0 | 0 |
| Union Pacific Corp | COM | 907818108 | 983 | 5,044 | SH | | DFND | 1 | 5,044 | 0 | 0 |
| Unitedhealth Group, Inc. | COM | 91324P102 | 376 | 744 | SH | | DFND | 1 | 744 | 0 | 0 |
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 510 | 3,775 | SH | | DFND | 1 | 3,775 | 0 | 0 |
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 28,682 | 529,096 | SH | | DFND | 1 | 529,096 | 0 | 0 |
| Vanguard Total International Bond Index Fund ETF | TOTAL INT BD ETF | 92203J407 | 884 | 18,530 | SH | | DFND | 1 | 18,530 | 0 | 0 |
| Verizon Communications | COM | 92343V104 | 582 | 15,319 | SH | | DFND | 1 | 15,319 | 0 | 0 |
| W W Grainger Inc | COM | 384802104 | 1,158 | 2,368 | SH | | DFND | 1 | 2,368 | 0 | 0 |
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,399 | 13,384 | SH | | DFND | 1 | 13,384 | 0 | 0 |
