The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||||||
| UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
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| 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 | 2,503,011 | 22,129 | SH | DFND | 1 | 22,129 | 0 | 0 | |
| Accenture PLC | SHS CLASS A | G1151C101 | 1,706,533 | 4,851 | SH | DFND | 1 | 4,851 | 0 | 0 | |
| Adobe Systems Inc | COM | 00724F101 | 1,769,826 | 3,980 | SH | DFND | 1 | 3,980 | 0 | 0 | |
| Advanced Micro Devices Inc | COM | 007903107 | 729,088 | 6,036 | SH | DFND | 1 | 6,036 | 0 | 0 | |
| Alphabet Inc Class C | CAP STK CL C | 02079K107 | 8,852,794 | 46,486 | SH | DFND | 1 | 46,486 | 0 | 0 | |
| Amazon Communications Inc | COM | 023135106 | 8,707,589 | 39,690 | SH | DFND | 1 | 39,690 | 0 | 0 | |
| American Tower REIT Inc | COM | 03027X100 | 1,725,705 | 9,409 | SH | DFND | 1 | 9,409 | 0 | 0 | |
| Analog Devices Inc | COM | 032654105 | 2,114,189 | 9,951 | SH | DFND | 1 | 9,951 | 0 | 0 | |
| Apple Computer Inc | COM | 037833100 | 15,129,625 | 60,417 | SH | DFND | 1 | 60,417 | 0 | 0 | |
| AT&T Inc | COM | 00206R102 | 478,398 | 21,010 | SH | DFND | 1 | 21,010 | 0 | 0 | |
| Avantis Emerging Markets Equity ETF | AVANTIS EMGMKT | 025072604 | 421,172 | 7,164 | SH | DFND | 1 | 7,164 | 0 | 0 | |
| Avantis International Equity ETF | INTL EQT ETF | 025072703 | 1,914,683 | 31,199 | SH | DFND | 1 | 31,199 | 0 | 0 | |
| Avantis US Equity ETF | US EQT ETF | 025072885 | 1,146,003 | 11,823 | SH | DFND | 1 | 11,823 | 0 | 0 | |
| Bath & Body Works | COM | 070830104 | 1,310,814 | 33,810 | SH | DFND | 1 | 33,810 | 0 | 0 | |
| Becton, Dickinson & Co. | COM | 075887109 | 1,135,257 | 5,004 | SH | DFND | 1 | 5,004 | 0 | 0 | |
| Berkshire Hathaway Inc Class B New | CL B NEW | 084670702 | 786,441 | 1,735 | SH | DFND | 1 | 1,735 | 0 | 0 | |
| Biogen Idec Inc | COM | 09062X103 | 442,550 | 2,894 | SH | DFND | 1 | 2,894 | 0 | 0 | |
| Blackrock Funding Inc | COM | 09290D101 | 1,484,359 | 1,448 | SH | DFND | 1 | 1,448 | 0 | 0 | |
| Blackstone Inc | COM | 09260D107 | 2,208,183 | 12,807 | SH | DFND | 1 | 12,807 | 0 | 0 | |
| Boeing Co | COM | 097023105 | 1,089,258 | 6,154 | SH | DFND | 1 | 6,154 | 0 | 0 | |
| Bristol Myers Squibb Co | COM | 110122108 | 1,081,427 | 19,120 | SH | DFND | 1 | 19,120 | 0 | 0 | |
| Broadcom Inc Common | COM | 11135F101 | 278,208 | 1,200 | SH | DFND | 1 | 1,200 | 0 | 0 | |
| Caterpillar Inc | COM | 149123101 | 335,553 | 925 | SH | DFND | 1 | 925 | 0 | 0 | |
| CDW Corporation | COM | 12514G108 | 1,145,183 | 6,580 | SH | DFND | 1 | 6,580 | 0 | 0 | |
| Cencora, Inc. | COM | 03073E105 | 1,652,297 | 7,354 | SH | DFND | 1 | 7,354 | 0 | 0 | |
| Charles Schwab Corp | COM | 808513105 | 1,588,847 | 21,468 | SH | DFND | 1 | 21,468 | 0 | 0 | |
| Chevron Corp | COM | 166764100 | 1,277,489 | 8,820 | SH | DFND | 1 | 8,820 | 0 | 0 | |
| Chipotle Mexican Grill Inc Corp Common | COM | 169656105 | 3,473,159 | 57,598 | SH | DFND | 1 | 57,598 | 0 | 0 | |
| Cisco Systems Inc | COM | 17275R102 | 1,962,835 | 33,156 | SH | DFND | 1 | 33,156 | 0 | 0 | |
| Citizens & Northern Corp | COM | 172922106 | 6,299,587 | 338,687 | SH | DFND | 1 | 338,687 | 0 | 0 | |
| Citizens Financial Services Inc | COM | 174615104 | 7,339,022 | 115,922 | SH | DFND | 1 | 115,922 | 0 | 0 | |
| CME Group Inc | COM | 12572Q105 | 259,865 | 1,119 | SH | DFND | 1 | 1,119 | 0 | 0 | |
| Coca Cola Co | COM | 191216100 | 1,520,950 | 24,429 | SH | DFND | 1 | 24,429 | 0 | 0 | |
| Comcast Corp Class A | CL A | 20030N101 | 1,686,110 | 44,927 | SH | DFND | 1 | 44,927 | 0 | 0 | |
| Community Financial System, Inc | COM | 203607106 | 209,342 | 3,394 | SH | DFND | 1 | 3,394 | 0 | 0 | |
| Corning Inc | COM | 219350105 | 946,884 | 19,926 | SH | DFND | 1 | 19,926 | 0 | 0 | |
| Costco Wholesale Corp (New) | COM | 22160K105 | 5,106,373 | 5,573 | SH | DFND | 1 | 5,573 | 0 | 0 | |
| Cummins Inc | COM | 231021106 | 209,160 | 600 | SH | DFND | 1 | 600 | 0 | 0 | |
| CVS Health Corporation | COM | 126650100 | 746,655 | 16,633 | SH | DFND | 1 | 16,633 | 0 | 0 | |
| Deere & Co | COM | 244199105 | 375,398 | 886 | SH | DFND | 1 | 886 | 0 | 0 | |
| DFA Dimensional International Core Equity 2 ETF | INTL CORE EQUITY | 25434V799 | 447,790 | 17,326 | SH | DFND | 1 | 17,326 | 0 | 0 | |
| Dimensional U.S. Core Equity 2 ETF | US CORE EQUITY 2 | 25434V708 | 5,657,264 | 163,552 | SH | DFND | 1 | 163,552 | 0 | 0 | |
| Disney Walt Co | COM | 254687106 | 1,307,472 | 11,742 | SH | DFND | 1 | 11,742 | 0 | 0 | |
| DuPont de Nemours Inc | COM | 26614N102 | 875,579 | 11,483 | SH | DFND | 1 | 11,483 | 0 | 0 | |
| Eaton Corp | SHS | G29183103 | 1,376,597 | 4,148 | SH | DFND | 1 | 4,148 | 0 | 0 | |
| Eli Lilly & Co | COM | 532457108 | 288,728 | 374 | SH | DFND | 1 | 374 | 0 | 0 | |
| EOG Resources, Inc. | COM | 26875P101 | 1,134,233 | 9,253 | SH | DFND | 1 | 9,253 | 0 | 0 | |
| Exxon Mobil Corp | COM | 30231G102 | 3,077,578 | 28,610 | SH | DFND | 1 | 28,610 | 0 | 0 | |
| Fedex Corp | COM | 31428X106 | 1,288,210 | 4,579 | SH | DFND | 1 | 4,579 | 0 | 0 | |
| Fidelity MSCI Real Estate Index ETF | MSCI RL EST ETF | 316092857 | 21,158,470 | 783,067 | SH | DFND | 1 | 783,067 | 0 | 0 | |
| FlexShares Core Select Bond Fund ETF | CRE SLCT BD FD | 33939L670 | 246,497 | 11,341 | SH | DFND | 1 | 11,341 | 0 | 0 | |
| Flexshares Morningstar Global Upstream Nat Res Index ETF | MORNSTAR UPSTR | 33939L407 | 2,048,450 | 56,338 | SH | DFND | 1 | 56,338 | 0 | 0 | |
| FlexShares STOXX US ESG Select Index ETF | STOX US ESG SLCT | 33939L696 | 344,734 | 2,502 | SH | DFND | 1 | 2,502 | 0 | 0 | |
| Ford Motor Co Del Par $0.01 | COM | 345370860 | 122,493 | 12,373 | SH | DFND | 1 | 12,373 | 0 | 0 | |
| Freeport-McMoran, Inc. | CL B | 35671D857 | 719,979 | 18,907 | SH | DFND | 1 | 18,907 | 0 | 0 | |
| General Dynamics Corp | COM | 369550108 | 2,061,809 | 7,825 | SH | DFND | 1 | 7,825 | 0 | 0 | |
| GSK PLC ADR | SPONSORED ADR | 37733W204 | 1,391,456 | 41,143 | SH | DFND | 1 | 41,143 | 0 | 0 | |
| Halliburton Co | COM | 406216101 | 823,721 | 30,295 | SH | DFND | 1 | 30,295 | 0 | 0 | |
| Home Depot Inc | COM | 437076102 | 2,631,517 | 6,765 | SH | DFND | 1 | 6,765 | 0 | 0 | |
| Honeywell Intl Inc | COM | 438516106 | 2,075,703 | 9,189 | SH | DFND | 1 | 9,189 | 0 | 0 | |
| Illinois Tool Works Inc | COM | 452308109 | 484,807 | 1,912 | SH | DFND | 1 | 1,912 | 0 | 0 | |
| Intercontinental Exchange Inc Common | COM | 45866F104 | 1,643,133 | 11,027 | SH | DFND | 1 | 11,027 | 0 | 0 | |
| International Business Machines | COM | 459200101 | 992,313 | 4,514 | SH | DFND | 1 | 4,514 | 0 | 0 | |
| iShares Barclays MBS Bond Fund ETF | MBS ETF | 464288588 | 3,087,874 | 33,681 | SH | DFND | 1 | 33,681 | 0 | 0 | |
| iShares Barclays TIPS Bond Fund | TIPS BD ETF | 464287176 | 539,463 | 5,063 | SH | DFND | 1 | 5,063 | 0 | 0 | |
| iShares Biotechnology ETF | ISHARES BIOTECH | 464287556 | 275,526 | 2,084 | SH | DFND | 1 | 2,084 | 0 | 0 | |
| iShares Core MSCI Emerging Mkts ETF | CORE MSCI EMKT | 46434G103 | 18,362,954 | 351,646 | SH | DFND | 1 | 351,646 | 0 | 0 | |
| iShares Core S&P 500 ETF | CORE S&P500 ETF | 464287200 | 344,378 | 585 | SH | DFND | 1 | 585 | 0 | 0 | |
| iShares iBoxx $ High Yield Corp Bond ETF | IBOXX HI YD ETF | 464288513 | 555,033 | 7,057 | SH | DFND | 1 | 7,057 | 0 | 0 | |
| iShares JPMorgan USD Emerging Markets Bond ETF | JPMORGAN USD EMG | 464288281 | 11,437,722 | 128,456 | SH | DFND | 1 | 128,456 | 0 | 0 | |
| iShares North American Natural Resources ETF | NORTH AMERN NAT | 464287374 | 18,735,780 | 438,469 | SH | DFND | 1 | 438,469 | 0 | 0 | |
| iShares PHLX Semiconductor ETF | ISHARES SEMICDTR | 464287523 | 269,578 | 1,251 | SH | DFND | 1 | 1,251 | 0 | 0 | |
| iShares Russell 1000 Value ETF | RUS 1000 VAL ETF | 464287598 | 549,281 | 2,967 | SH | DFND | 1 | 2,967 | 0 | 0 | |
| iShares S&P MidCap 400 Index Fd | CORE S&P MCP ETF | 464287507 | 15,574,945 | 249,959 | SH | DFND | 1 | 249,959 | 0 | 0 | |
| iShares Short-Term National Muni Bond ETF | SHRT NAT MUN ETF | 464288158 | 625,391 | 5,929 | SH | DFND | 1 | 5,929 | 0 | 0 | |
| iShares Trust Russell 1000 Growth ETF | RUS 1000 GRW ETF | 464287614 | 973,028 | 2,423 | SH | DFND | 1 | 2,423 | 0 | 0 | |
| iShares US Healthcare Providers ETF | US HLTHCR PR ETF | 464288828 | 629,629 | 13,120 | SH | DFND | 1 | 13,120 | 0 | 0 | |
| Johnson & Johnson | COM | 478160104 | 369,504 | 2,555 | SH | DFND | 1 | 2,555 | 0 | 0 | |
| JPMorgan Chase & Co | COM | 46625H100 | 6,165,821 | 25,722 | SH | DFND | 1 | 25,722 | 0 | 0 | |
| Lowes Cos Inc | COM | 548661107 | 277,897 | 1,126 | SH | DFND | 1 | 1,126 | 0 | 0 | |
| M & T Bank Corp | COM | 55261F104 | 523,420 | 2,784 | SH | DFND | 1 | 2,784 | 0 | 0 | |
| Marsh & McLennan Cos Inc | COM | 571748102 | 1,759,180 | 8,282 | SH | DFND | 1 | 8,282 | 0 | 0 | |
| Masco Corp | COM | 574599106 | 1,547,047 | 21,318 | SH | DFND | 1 | 21,318 | 0 | 0 | |
| Mastercard Inc Class A | CL A | 57636Q104 | 4,303,130 | 8,172 | SH | DFND | 1 | 8,172 | 0 | 0 | |
| McDonalds Corp | COM | 580135101 | 1,439,594 | 4,966 | SH | DFND | 1 | 4,966 | 0 | 0 | |
| Meta Platforms Inc | CL A | 30303M102 | 5,338,095 | 9,117 | SH | DFND | 1 | 9,117 | 0 | 0 | |
| Microchip Technology Inc | COM | 595017104 | 575,048 | 10,027 | SH | DFND | 1 | 10,027 | 0 | 0 | |
| Microsoft Corp | COM | 594918104 | 13,748,487 | 32,618 | SH | DFND | 1 | 32,618 | 0 | 0 | |
| Mondelez Intl Inc Class A | CL A | 609207105 | 1,923,605 | 32,205 | SH | DFND | 1 | 32,205 | 0 | 0 | |
| National Fuel Gas Co N J | COM | 636180101 | 243,448 | 4,012 | SH | DFND | 1 | 4,012 | 0 | 0 | |
| Nextera Energy Inc | COM | 65339F101 | 1,305,977 | 18,217 | SH | DFND | 1 | 18,217 | 0 | 0 | |
| Nike, Inc. Class B | CL B | 654106103 | 1,332,246 | 17,606 | SH | DFND | 1 | 17,606 | 0 | 0 | |
| Norfolk Southern Corp | COM | 655844108 | 2,223,548 | 9,474 | SH | DFND | 1 | 9,474 | 0 | 0 | |
| Nvidia Corp | COM | 67066G104 | 12,273,972 | 91,399 | SH | DFND | 1 | 91,399 | 0 | 0 | |
| Oracle Corp | COM | 68389X105 | 2,538,260 | 15,232 | SH | DFND | 1 | 15,232 | 0 | 0 | |
| Palo Alto Networks Inc Common | COM | 697435105 | 2,114,193 | 11,619 | SH | DFND | 1 | 11,619 | 0 | 0 | |
| Paypal Holdings, Inc. | COM | 70450Y103 | 1,281,445 | 15,014 | SH | DFND | 1 | 15,014 | 0 | 0 | |
| Pfizer Inc | COM | 717081103 | 972,218 | 36,646 | SH | DFND | 1 | 36,646 | 0 | 0 | |
| Procter & Gamble Co | COM | 742718109 | 3,105,884 | 18,526 | SH | DFND | 1 | 18,526 | 0 | 0 | |
| Progressive Corp Ohio common | COM | 743315103 | 221,639 | 925 | SH | DFND | 1 | 925 | 0 | 0 | |
| Quest Diagnostics Inc | COM | 74834L100 | 242,281 | 1,606 | SH | DFND | 1 | 1,606 | 0 | 0 | |
| Rockwell Automation Inc Common | COM | 773903109 | 228,632 | 800 | SH | DFND | 1 | 800 | 0 | 0 | |
| Roper Industries Inc New | COM | 776696106 | 579,633 | 1,115 | SH | DFND | 1 | 1,115 | 0 | 0 | |
| Salesforce, Inc. | COM | 79466L302 | 3,021,006 | 9,036 | SH | DFND | 1 | 9,036 | 0 | 0 | |
| Schlumberger Ltd | COM STK | 806857108 | 1,351,025 | 35,238 | SH | DFND | 1 | 35,238 | 0 | 0 | |
| Servicenow Inc | COM | 81762P102 | 1,794,783 | 1,693 | SH | DFND | 1 | 1,693 | 0 | 0 | |
| SPDR Dow Jones Industrial Average ETF Trust | UT SER 1 | 78467X109 | 1,082,047 | 2,543 | SH | DFND | 1 | 2,543 | 0 | 0 | |
| SPDR NYSE Technology ETF | NYSE TECH ETF | 78464A102 | 299,703 | 1,485 | SH | DFND | 1 | 1,485 | 0 | 0 | |
| SPDR Portfolio Long Term Treasury ETF | PORTFOLIO LN TSR | 78464A664 | 919,845 | 35,122 | SH | DFND | 1 | 35,122 | 0 | 0 | |
| SPDR Portfolio S&P 400 Mid Cap ETF | PORTFOLIO S&P400 | 78464A847 | 15,341,256 | 280,513 | SH | DFND | 1 | 280,513 | 0 | 0 | |
| SPDR S&P 500 ETF Trust | TR UNIT | 78462F103 | 1,682,636 | 2,871 | SH | DFND | 1 | 2,871 | 0 | 0 | |
| Tjx Companies (New) | COM | 872540109 | 2,159,358 | 17,874 | SH | DFND | 1 | 17,874 | 0 | 0 | |
| Truist Financial Corporation | COM | 89832Q109 | 1,586,624 | 36,575 | SH | DFND | 1 | 36,575 | 0 | 0 | |
| Union Pacific Corp | COM | 907818108 | 1,298,460 | 5,694 | SH | DFND | 1 | 5,694 | 0 | 0 | |
| Unitedhealth Group, Inc. | COM | 91324P102 | 363,713 | 719 | SH | DFND | 1 | 719 | 0 | 0 | |
| Vanguard Dividend Appreciation Index ETF | DIV APP ETF | 921908844 | 806,428 | 4,118 | SH | DFND | 1 | 4,118 | 0 | 0 | |
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 43,236,628 | 418,554 | SH | DFND | 1 | 418,554 | 0 | 0 | |
| Vanguard Tax-Exempt Bond Index ETF | TAX EXEMPT BD | 922907746 | 271,203 | 5,410 | SH | DFND | 1 | 5,410 | 0 | 0 | |
| Vanguard Total International Bond Index Fund ETF | TOTAL INT BD ETF | 92203J407 | 1,052,564 | 21,459 | SH | DFND | 1 | 21,459 | 0 | 0 | |
| Vanguard Total World Stock Index Fund ETF | TT WRLD ST ETF | 922042742 | 234,960 | 2,000 | SH | DFND | 1 | 2,000 | 0 | 0 | |
| Vanguard World Mega Cap 300 Growth ETF | MEGA GRWTH IND | 921910816 | 223,217 | 650 | SH | DFND | 1 | 650 | 0 | 0 | |
| Verizon Communications | COM | 92343V104 | 641,919 | 16,052 | SH | DFND | 1 | 16,052 | 0 | 0 | |
| Visa Inc Class A | COM CL A | 92826C839 | 241,139 | 763 | SH | DFND | 1 | 763 | 0 | 0 | |
| W W Grainger Inc | COM | 384802104 | 1,738,128 | 1,649 | SH | DFND | 1 | 1,649 | 0 | 0 | |
| Walmart Inc. | COM | 931142103 | 416,785 | 4,613 | SH | DFND | 1 | 4,613 | 0 | 0 | |
| Zimmer Biomet Holdings, Inc. | COM | 98956P102 | 1,353,226 | 12,811 | SH | DFND | 1 | 12,811 | 0 | 0 | |
