| 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 | 2,943,527 | 29,069 | SH | | DFND | 1 | 29,069 | 0 | 0 |
| Accenture PLC | SHS CLASS A | G1151C101 | 265,232 | 928 | SH | | DFND | 1 | 928 | 0 | 0 |
| Adobe Systems Inc | COM | 00724F101 | 1,052,831 | 2,732 | SH | | DFND | 1 | 2,732 | 0 | 0 |
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 6,231,472 | 59,918 | SH | | DFND | 1 | 59,918 | 0 | 0 |
| Amazon Communications Inc | COM | 023135106 | 3,782,480 | 36,620 | SH | | DFND | 1 | 36,620 | 0 | 0 |
| American Tower REIT Inc | COM | 03027X100 | 2,041,357 | 9,990 | SH | | DFND | 1 | 9,990 | 0 | 0 |
| Amerisourcebergen Corp | COM | 03073E105 | 1,170,084 | 7,308 | SH | | DFND | 1 | 7,308 | 0 | 0 |
| Analog Devices Inc | COM | 032654105 | 1,885,226 | 9,559 | SH | | DFND | 1 | 9,559 | 0 | 0 |
| Apple Computer Inc | COM | 037833100 | 10,079,018 | 61,122 | SH | | DFND | 1 | 61,122 | 0 | 0 |
| AT&T Inc | COM | 00206R102 | 1,048,567 | 54,471 | SH | | DFND | 1 | 54,471 | 0 | 0 |
| Bath & Body Works | COM | 070830104 | 681,046 | 18,618 | SH | | DFND | 1 | 18,618 | 0 | 0 |
| Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 350,763 | 1,136 | SH | | DFND | 1 | 1,136 | 0 | 0 |
| Biogen Idec Inc | COM | 09062X103 | 1,358,177 | 4,885 | SH | | DFND | 1 | 4,885 | 0 | 0 |
| Blackrock, Inc. | COM | 09247X101 | 972,231 | 1,453 | SH | | DFND | 1 | 1,453 | 0 | 0 |
| Blackstone Inc | COM | 09260D107 | 1,418,352 | 16,147 | SH | | DFND | 1 | 16,147 | 0 | 0 |
| Boeing Co | COM | 097023105 | 982,914 | 4,627 | SH | | DFND | 1 | 4,627 | 0 | 0 |
| Bristol Myers Squibb Co | COM | 110122108 | 1,455,302 | 20,997 | SH | | DFND | 1 | 20,997 | 0 | 0 |
| Caterpillar Inc | COM | 149123101 | 211,677 | 925 | SH | | DFND | 1 | 925 | 0 | 0 |
| CDW Corporation | COM | 12514G108 | 1,279,843 | 6,567 | SH | | DFND | 1 | 6,567 | 0 | 0 |
| Charles Schwab Corp | COM | 808513105 | 722,792 | 13,799 | SH | | DFND | 1 | 13,799 | 0 | 0 |
| Chevron Corp | COM | 166764100 | 1,375,602 | 8,431 | SH | | DFND | 1 | 8,431 | 0 | 0 |
| Chipotle Mexican Grill Inc Corp Common | COM | 169656105 | 2,355,732 | 1,379 | SH | | DFND | 1 | 1,379 | 0 | 0 |
| Cisco Systems Inc | COM | 17275R102 | 1,749,750 | 33,472 | SH | | DFND | 1 | 33,472 | 0 | 0 |
| Citizens & Northern Corp | COM | 172922106 | 6,947,711 | 324,963 | SH | | DFND | 1 | 324,963 | 0 | 0 |
| Citizens Financial Services Inc | COM | 174615104 | 7,255,231 | 86,837 | SH | | DFND | 1 | 86,837 | 0 | 0 |
| CME Group Inc | COM | 12572Q105 | 245,912 | 1,284 | SH | | DFND | 1 | 1,284 | 0 | 0 |
| Coca Cola Co | COM | 191216100 | 1,563,342 | 25,203 | SH | | DFND | 1 | 25,203 | 0 | 0 |
| Comcast Corp Class A | CL A | 20030N101 | 1,835,451 | 48,416 | SH | | DFND | 1 | 48,416 | 0 | 0 |
| Community Bank System, Inc | COM | 203607106 | 273,788 | 5,216 | SH | | DFND | 1 | 5,216 | 0 | 0 |
| Corning Inc | COM | 219350105 | 789,108 | 22,367 | SH | | DFND | 1 | 22,367 | 0 | 0 |
| Costco Wholesale Corp (New) | COM | 22160K105 | 3,027,926 | 6,094 | SH | | DFND | 1 | 6,094 | 0 | 0 |
| CVS Health Corporation | COM | 126650100 | 2,296,328 | 30,902 | SH | | DFND | 1 | 30,902 | 0 | 0 |
| Danaher Corp | COM | 235851102 | 210,201 | 834 | SH | | DFND | 1 | 834 | 0 | 0 |
| Deere & Co | COM | 244199105 | 2,030,544 | 4,918 | SH | | DFND | 1 | 4,918 | 0 | 0 |
| Disney Walt Co | COM | 254687106 | 682,286 | 6,814 | SH | | DFND | 1 | 6,814 | 0 | 0 |
| DuPont de Nemours Inc | COM | 26614N102 | 845,738 | 11,784 | SH | | DFND | 1 | 11,784 | 0 | 0 |
| EOG Resources, Inc. | COM | 26875P101 | 1,141,371 | 9,957 | SH | | DFND | 1 | 9,957 | 0 | 0 |
| Exxon Mobil Corp | COM | 30231G102 | 3,263,811 | 29,763 | SH | | DFND | 1 | 29,763 | 0 | 0 |
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 15,526,503 | 623,304 | SH | | DFND | 1 | 623,304 | 0 | 0 |
| FlexShares Core Select Bond Fund ETF | CRE SLCT BD FD | 33939L670 | 272,396 | 12,085 | SH | | DFND | 1 | 12,085 | 0 | 0 |
| Flexshares Morningstar Global Upstream Nat Res Index ETF | MORNSTAR UPSTR | 33939L407 | 21,008,868 | 496,781 | SH | | DFND | 1 | 496,781 | 0 | 0 |
| FlexShares STOXX US ESG Select Index ETF | STOX US ESG SLCT | 33939L696 | 228,828 | 2,304 | SH | | DFND | 1 | 2,304 | 0 | 0 |
| Freeport-McMoran, Inc. | CL B | 35671D857 | 814,845 | 19,918 | SH | | DFND | 1 | 19,918 | 0 | 0 |
| General Dynamics Corp | COM | 369550108 | 1,849,414 | 8,104 | SH | | DFND | 1 | 8,104 | 0 | 0 |
| GSK PLC ADR | SPONSORED ADR | 37733W204 | 1,446,505 | 40,655 | SH | | DFND | 1 | 40,655 | 0 | 0 |
| Halliburton Co | COM | 406216101 | 938,253 | 29,654 | SH | | DFND | 1 | 29,654 | 0 | 0 |
| Home Depot Inc | COM | 437076102 | 1,978,484 | 6,704 | SH | | DFND | 1 | 6,704 | 0 | 0 |
| Honeywell Intl Inc | COM | 438516106 | 1,855,202 | 9,707 | SH | | DFND | 1 | 9,707 | 0 | 0 |
| Illinois Tool Works Inc | COM | 452308109 | 351,055 | 1,442 | SH | | DFND | 1 | 1,442 | 0 | 0 |
| Intel Corp | COM | 458140100 | 209,121 | 6,401 | SH | | DFND | 1 | 6,401 | 0 | 0 |
| Intercontinental Exchange Inc Common | COM | 45866F104 | 1,450,152 | 13,905 | SH | | DFND | 1 | 13,905 | 0 | 0 |
| International Business Machines | COM | 459200101 | 1,944,065 | 14,830 | SH | | DFND | 1 | 14,830 | 0 | 0 |
| iShares Barclays MBS Bond Fund ETF | MBS ETF | 464288588 | 2,209,198 | 23,321 | SH | | DFND | 1 | 23,321 | 0 | 0 |
| iShares Barclays TIPS Bond Fund | TIPS BD ETF | 464287176 | 213,885 | 1,940 | SH | | DFND | 1 | 1,940 | 0 | 0 |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 335,030 | 815 | SH | | DFND | 1 | 815 | 0 | 0 |
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | 464288513 | 502,785 | 6,655 | SH | | DFND | 1 | 6,655 | 0 | 0 |
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 8,761,907 | 101,552 | SH | | DFND | 1 | 101,552 | 0 | 0 |
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 480,076 | 3,153 | SH | | DFND | 1 | 3,153 | 0 | 0 |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 8,764,606 | 35,036 | SH | | DFND | 1 | 35,036 | 0 | 0 |
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 842,939 | 3,450 | SH | | DFND | 1 | 3,450 | 0 | 0 |
| Johnson & Johnson | COM | 478160104 | 448,105 | 2,891 | SH | | DFND | 1 | 2,891 | 0 | 0 |
| JPMorgan Chase & Co | COM | 46625H100 | 3,977,973 | 30,527 | SH | | DFND | 1 | 30,527 | 0 | 0 |
| Lauder (Estee) Cos Inc Class A | CL A | 518439104 | 1,900,700 | 7,712 | SH | | DFND | 1 | 7,712 | 0 | 0 |
| Lowes Cos Inc | COM | 548661107 | 229,966 | 1,150 | SH | | DFND | 1 | 1,150 | 0 | 0 |
| Marsh & McLennan Cos Inc | COM | 571748102 | 1,107,558 | 6,650 | SH | | DFND | 1 | 6,650 | 0 | 0 |
| Mastercard Inc Class A | CL A | 57636Q104 | 3,798,361 | 10,452 | SH | | DFND | 1 | 10,452 | 0 | 0 |
| McDonalds Corp | COM | 580135101 | 1,864,999 | 6,670 | SH | | DFND | 1 | 6,670 | 0 | 0 |
| Meta Platforms Inc | CL A | 30303M102 | 2,350,838 | 11,092 | SH | | DFND | 1 | 11,092 | 0 | 0 |
| Microsoft Corp | COM | 594918104 | 9,517,936 | 33,014 | SH | | DFND | 1 | 33,014 | 0 | 0 |
| Mondelez Intl Inc Class A | CL A | 609207105 | 2,312,891 | 33,174 | SH | | DFND | 1 | 33,174 | 0 | 0 |
| National Fuel Gas Co N J | COM | 636180101 | 202,783 | 3,512 | SH | | DFND | 1 | 3,512 | 0 | 0 |
| Nextera Energy Inc | COM | 65339F101 | 1,488,877 | 19,316 | SH | | DFND | 1 | 19,316 | 0 | 0 |
| Nike, Inc. Class B | CL B | 654106103 | 2,689,495 | 21,930 | SH | | DFND | 1 | 21,930 | 0 | 0 |
| Norfolk Southern Corp | COM | 655844108 | 1,578,764 | 7,447 | SH | | DFND | 1 | 7,447 | 0 | 0 |
| Nvidia Corp | COM | 67066G104 | 3,842,670 | 13,834 | SH | | DFND | 1 | 13,834 | 0 | 0 |
| Oracle Corp | COM | 68389X105 | 1,109,465 | 11,940 | SH | | DFND | 1 | 11,940 | 0 | 0 |
| Palo Alto Networks Inc Common | COM | 697435105 | 1,569,357 | 7,857 | SH | | DFND | 1 | 7,857 | 0 | 0 |
| Pfizer Inc | COM | 717081103 | 1,602,379 | 39,274 | SH | | DFND | 1 | 39,274 | 0 | 0 |
| Procter & Gamble Co | COM | 742718109 | 2,863,026 | 19,255 | SH | | DFND | 1 | 19,255 | 0 | 0 |
| Rockwell Automation Inc Common | COM | 773903109 | 234,760 | 800 | SH | | DFND | 1 | 800 | 0 | 0 |
| Roper Industries Inc New | COM | 776696106 | 491,369 | 1,115 | SH | | DFND | 1 | 1,115 | 0 | 0 |
| Salesforce, Inc. | COM | 79466L302 | 2,297,270 | 11,499 | SH | | DFND | 1 | 11,499 | 0 | 0 |
| Schlumberger Ltd | COM STK | 806857108 | 1,825,833 | 37,186 | SH | | DFND | 1 | 37,186 | 0 | 0 |
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 845,853 | 2,543 | SH | | DFND | 1 | 2,543 | 0 | 0 |
| SPDR Portfolio Long Term Treasury ETF | PORTFOLIO LN TSR | 78464A664 | 953,235 | 30,869 | SH | | DFND | 1 | 30,869 | 0 | 0 |
| SPDR Portfolio S&P 400 Mid Cap ETF | PORTFOLIO S&P400 | 78464A847 | 9,420,384 | 214,392 | SH | | DFND | 1 | 214,392 | 0 | 0 |
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 1,271,156 | 3,105 | SH | | DFND | 1 | 3,105 | 0 | 0 |
| SYSCO Corp | COM | 871829107 | 205,663 | 2,663 | SH | | DFND | 1 | 2,663 | 0 | 0 |
| Target Corp | COM | 87612E106 | 238,673 | 1,441 | SH | | DFND | 1 | 1,441 | 0 | 0 |
| Tjx Companies (New) | COM | 872540109 | 1,432,813 | 18,285 | SH | | DFND | 1 | 18,285 | 0 | 0 |
| Truist Financial Corporation | COM | 89832Q109 | 1,236,023 | 36,247 | SH | | DFND | 1 | 36,247 | 0 | 0 |
| Union Pacific Corp | COM | 907818108 | 1,015,155 | 5,044 | SH | | DFND | 1 | 5,044 | 0 | 0 |
| Unitedhealth Group, Inc. | COM | 91324P102 | 316,635 | 670 | SH | | DFND | 1 | 670 | 0 | 0 |
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 581,388 | 3,775 | SH | | DFND | 1 | 3,775 | 0 | 0 |
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 34,854,204 | 554,209 | SH | | DFND | 1 | 554,209 | 0 | 0 |
| Vanguard Total International Bond Index Fund ETF | TOTAL INT BD ETF | 92203J407 | 906,488 | 18,530 | SH | | DFND | 1 | 18,530 | 0 | 0 |
| Verizon Communications | COM | 92343V104 | 553,249 | 14,226 | SH | | DFND | 1 | 14,226 | 0 | 0 |
| W W Grainger Inc | COM | 384802104 | 1,598,728 | 2,321 | SH | | DFND | 1 | 2,321 | 0 | 0 |
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,770,557 | 13,704 | SH | | DFND | 1 | 13,704 | 0 | 0 |
