The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
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hours per response: 23.8
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
Accenture PLC SHS CLASS A G1151C101 700,971 5,633 SH DFND 1 5,633 0 0
Adobe Systems Inc COM 00724F101 808,599 3,944 SH DFND 1 3,944 0 0
Advanced Micro Devices Inc COM 007903107 7,388,013 12,718 SH DFND 1 12,718 0 0
Alphabet Inc Class A CAP STK CL A 02079K305 288,398 807 SH DFND 1 807 0 0
Alphabet Inc Class C CAP STK CL C 02079K107 13,940,282 39,454 SH DFND 1 39,454 0 0
Amazon Communications Inc COM 023135106 9,016,641 37,831 SH DFND 1 37,831 0 0
American Tower REIT Inc COM 03027X100 1,434,018 8,767 SH DFND 1 8,767 0 0
Analog Devices Inc COM 032654105 3,116,593 7,847 SH DFND 1 7,847 0 0
Apple Computer Inc COM 037833100 15,486,837 53,521 SH DFND 1 53,521 0 0
AT&T Inc COM 00206R102 262,931 12,702 SH DFND 1 12,702 0 0
Avantis Emerging Markets Equity ETF AVANTIS EMGMKT 025072604 978,698 10,143 SH DFND 1 10,143 0 0
Avantis International Equity ETF INTL EQT ETF 025072703 4,888,963 54,809 SH DFND 1 54,809 0 0
Avantis US Equity ETF US EQT ETF 025072885 1,771,218 13,829 SH DFND 1 13,829 0 0
Bath & Body Works COM 070830104 770,414 33,308 SH DFND 1 33,308 0 0
Becton, Dickinson & Co. COM 075887109 1,177,801 7,783 SH DFND 1 7,783 0 0
Berkshire Hathaway Inc Class B New CL B NEW 084670702 725,065 1,449 SH DFND 1 1,449 0 0
Biogen Idec Inc COM 09062X103 1,500,105 6,943 SH DFND 1 6,943 0 0
Blackstone Inc COM 09260D107 1,783,171 15,154 SH DFND 1 15,154 0 0
Boeing Co COM 097023105 1,961,651 9,062 SH DFND 1 9,062 0 0
BOK Financial Corp COM NEW 05561Q201 211,098 1,520 SH DFND 1 1,520 0 0
Bristol Myers Squibb Co COM 110122108 1,361,445 23,628 SH DFND 1 23,628 0 0
Broadcom Inc Common COM 11135F101 4,793,648 12,690 SH DFND 1 12,690 0 0
Carpenter Technology Corporation COM 144285103 235,633 382 SH DFND 1 382 0 0
Caterpillar Inc COM 149123101 4,095,605 3,846 SH DFND 1 3,846 0 0
Cencora, Inc. COM 03073E105 2,025,005 7,156 SH DFND 1 7,156 0 0
Charles Schwab Corp COM 808513105 2,267,074 24,570 SH DFND 1 24,570 0 0
Chevron Corp COM 166764100 1,227,950 7,408 SH DFND 1 7,408 0 0
Cisco Systems Inc COM 17275R102 2,724,015 23,191 SH DFND 1 23,191 0 0
Citigroup Inc Common New COM NEW 172967424 2,294,084 16,391 SH DFND 1 16,391 0 0
Citizens & Northern Corp COM 172922106 8,146,666 349,492 SH DFND 1 349,492 0 0
Citizens Financial Services Inc COM 174615104 8,480,044 117,063 SH DFND 1 117,063 0 0
Coca Cola Co COM 191216100 1,853,444 22,806 SH DFND 1 22,806 0 0
Community Financial System, Inc COM 203607106 206,931 3,083 SH DFND 1 3,083 0 0
Corning Inc COM 219350105 5,021,243 19,658 SH DFND 1 19,658 0 0
Costco Wholesale Corp (New) COM 22160K105 4,014,102 4,291 SH DFND 1 4,291 0 0
Cummins Inc COM 231021106 430,066 603 SH DFND 1 603 0 0
CVS Health Corporation COM 126650100 2,722,287 26,315 SH DFND 1 26,315 0 0
Deere & Co COM 244199105 558,210 880 SH DFND 1 880 0 0
DFA Dimensional Emerging Markets Core Equity 2 ETF EMERGING MKTS CO 25434V732 521,533 12,833 SH DFND 1 12,833 0 0
DFA Dimensional International Core Equity 2 ETF INTL CORE EQUITY 25434V799 645,567 17,326 SH DFND 1 17,326 0 0
Dimensional U.S. Core Equity 2 ETF US COR EQU 2 ETF 25434V708 10,558,700 238,023 SH DFND 1 238,023 0 0
Disney Walt Co COM 254687106 1,208,226 12,553 SH DFND 1 12,553 0 0
Eaton Corp SHS G29183103 2,282,299 5,356 SH DFND 1 5,356 0 0
Eli Lilly & Co COM 532457108 403,008 336 SH DFND 1 336 0 0
Emerson Electric Co COM 291011104 1,733,833 12,112 SH DFND 1 12,112 0 0
Exxon Mobil Corp COM 30231G102 3,530,657 25,824 SH DFND 1 25,824 0 0
Fidelity MSCI Real Estate Index ETF MSCI RL EST ETF 316092857 27,941,476 953,634 SH DFND 1 953,634 0 0
Freeport-McMoran, Inc. CL B 35671D857 1,694,948 26,951 SH DFND 1 26,951 0 0
General Dynamics Corp COM 369550108 1,811,229 5,113 SH DFND 1 5,113 0 0
GSK PLC ADR SPONSORED ADR 37733W204 2,053,606 39,176 SH DFND 1 39,176 0 0
Home Depot Inc COM 437076102 1,984,530 5,627 SH DFND 1 5,627 0 0
Illinois Tool Works Inc COM 452308109 324,023 1,198 SH DFND 1 1,198 0 0
Imperial Oil Ltd COM NEW 453038408 201,636 1,800 SH DFND 1 1,800 0 0
Intercontinental Exchange Inc Common COM 45866F104 978,725 7,950 SH DFND 1 7,950 0 0
International Business Machines COM 459200101 712,024 2,532 SH DFND 1 2,532 0 0
Intuit COM 461202103 695,304 2,664 SH DFND 1 2,664 0 0
iShares Barclays MBS Bond Fund ETF MBS ETF 464288588 2,941,273 31,118 SH DFND 1 31,118 0 0
iShares Core MSCI Emerging Mkts ETF CORE MSCI EMKT 46434G103 28,177,032 340,138 SH DFND 1 340,138 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 303,300 405 SH DFND 1 405 0 0
iShares JPMorgan USD Emerging Markets Bond ETF JPMORGAN USD EMG 464288281 12,820,251 132,935 SH DFND 1 132,935 0 0
iShares North American Natural Resources ETF NORTH AMERN NAT 464287374 24,040,433 427,918 SH DFND 1 427,918 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 674,198 2,781 SH DFND 1 2,781 0 0
iShares S&P MidCap 400 Index Fd CORE S&P MCP ETF 464287507 16,781,989 217,637 SH DFND 1 217,637 0 0
iShares Short-Term National Muni Bond ETF SHRT NAT MUN ETF 464288158 631,261 5,929 SH DFND 1 5,929 0 0
iShares Trust Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 948,410 7,638 SH DFND 1 7,638 0 0
Johnson & Johnson COM 478160104 2,087,125 8,218 SH DFND 1 8,218 0 0
JPMorgan Chase & Co COM 46625H100 5,827,129 17,802 SH DFND 1 17,802 0 0
KKR & Co Inc COM 48251W104 1,491,700 16,253 SH DFND 1 16,253 0 0
KLA Corporation COM NEW 482480100 2,857,797 9,472 SH DFND 1 9,472 0 0
Lowes Cos Inc COM 548661107 243,641 1,105 SH DFND 1 1,105 0 0
M & T Bank Corp COM 55261F104 866,832 3,642 SH DFND 1 3,642 0 0
Mastercard Inc Class A CL A 57636Q104 4,026,624 7,840 SH DFND 1 7,840 0 0
McDonalds Corp COM 580135101 796,333 2,946 SH DFND 1 2,946 0 0
Medtronic PLC SHS G5960L103 2,023,497 25,866 SH DFND 1 25,866 0 0
Meta Platforms Inc CL A 30303M102 4,949,629 8,787 SH DFND 1 8,787 0 0
Microsoft Corp COM 594918104 10,867,938 29,135 SH DFND 1 29,135 0 0
Mondelez Intl Inc Class A CL A 609207105 1,362,479 23,556 SH DFND 1 23,556 0 0
National Fuel Gas Co N J COM 636180101 309,767 4,012 SH DFND 1 4,012 0 0
Netflix Inc Corp COM 64110L106 1,246,144 17,453 SH DFND 1 17,453 0 0
Nextera Energy Inc COM 65339F101 1,483,225 16,899 SH DFND 1 16,899 0 0
Nike, Inc. Class B CL B 654106103 675,724 16,461 SH DFND 1 16,461 0 0
Norfolk Southern Corp COM 655844108 249,470 793 SH DFND 1 793 0 0
Nvidia Corp COM 67066G104 16,406,380 81,995 SH DFND 1 81,995 0 0
Oracle Corp COM 68389X105 2,055,217 14,024 SH DFND 1 14,024 0 0
Ovintiv Inc COM 69047Q102 1,353,684 25,711 SH DFND 1 25,711 0 0
Paccar Inc COM 693718108 1,103,542 9,187 SH DFND 1 9,187 0 0
Palo Alto Networks Inc Common COM 697435105 2,477,851 7,266 SH DFND 1 7,266 0 0
Paypal Holdings, Inc. COM 70450Y103 1,172,510 27,154 SH DFND 1 27,154 0 0
Pfizer Inc COM 717081103 1,154,371 47,939 SH DFND 1 47,939 0 0
Procter & Gamble Co COM 742718109 2,709,174 18,475 SH DFND 1 18,475 0 0
Progressive Corp Ohio common COM 743315103 220,416 1,009 SH DFND 1 1,009 0 0
Quest Diagnostics Inc COM 74834L100 326,403 1,540 SH DFND 1 1,540 0 0
Rockwell Automation Inc Common COM 773903109 329,723 666 SH DFND 1 666 0 0
RTX Corporation COM 75513E101 2,409,761 12,701 SH DFND 1 12,701 0 0
Salesforce, Inc. COM 79466L302 1,747,699 11,156 SH DFND 1 11,156 0 0
SLB Limited COM STK 806857108 1,615,853 34,757 SH DFND 1 34,757 0 0
State Street SPDR Dow Jones Industrial Average ETF Trust UT SER 1 78467X109 1,328,438 2,543 SH DFND 1 2,543 0 0
State Street SPDR Portfolio Long Term Treasury ETF ST LON TREAS ETF 78464A664 766,650 29,228 SH DFND 1 29,228 0 0
State Street SPDR Portfolio S&P 400 Mid Cap ETF ST STR P400MID 78464A847 14,061,871 208,139 SH DFND 1 208,139 0 0
State Street SPDR Portfolio Short Term Treasury ETF ST SHO TREAS ETF 78468R101 764,094 26,339 SH DFND 1 26,339 0 0
State Street SPDR S&P 500 ETF Trust TR UNIT 78462F103 2,148,457 2,877 SH DFND 1 2,877 0 0
Tapestry Inc Common COM 876030107 1,447,259 9,887 SH DFND 1 9,887 0 0
Texas Instruments Inc COM 882508104 212,524 713 SH DFND 1 713 0 0
The Goldman Sachs Group Inc COM 38141G104 1,198,473 1,185 SH DFND 1 1,185 0 0
Tjx Companies (New) COM 872540109 2,543,231 16,787 SH DFND 1 16,787 0 0
Union Pacific Corp COM 907818108 1,373,328 5,049 SH DFND 1 5,049 0 0
Vanguard Dividend Appreciation Index ETF DIV APP ETF 921908844 678,153 2,866 SH DFND 1 2,866 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629 203,681 2,528 SH DFND 1 2,528 0 0
Vanguard REIT Index ETF REAL ESTATE ETF 922908553 258,722 2,683 SH DFND 1 2,683 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 59,070,587 462,175 SH DFND 1 462,175 0 0
Vanguard Tax-Exempt Bond Index ETF TAX EXEMPT BD 922907746 227,762 4,503 SH DFND 1 4,503 0 0
Vanguard Total World Stock Index Fund ETF TT WRLD ST ETF 922042742 313,900 2,000 SH DFND 1 2,000 0 0
Verizon Communications COM 92343V104 707,247 16,704 SH DFND 1 16,704 0 0
W W Grainger Inc COM 384802104 213,583 157 SH DFND 1 157 0 0
Wells Fargo & Co New COM 949746101 4,277,694 51,763 SH DFND 1 51,763 0 0
YUM Brands Inc COM 988498101 1,127,333 7,052 SH DFND 1 7,052 0 0
Zimmer Biomet Holdings, Inc. COM 98956P102 1,056,927 12,277 SH DFND 1 12,277 0 0