Location: Wellsboro, PA
CIK: 0000810958 · Show all filings
Period: Q4 2025 (← Previous) (Next →)
Filing Date: Jan 28, 2026
Total Value: $404M (100.0% shares, 0.0% debt)
| Ticker | Issuer | Shares | Value | % | Est. Cost | Unrealized | Class | CUSIP |
|---|---|---|---|---|---|---|---|---|
| VONG | Vanguard Russell 1000 Growth ETF | 367,716 | $44.77M | 11.1% | $93.02 | — | VNG RUS1000GRW | 92206C680 |
| FREL | Fidelity MSCI Real Estate Index ETF | 1,087,071 | $29.23M | 7.2% | $25.43 | — | MSCI RL EST ETF | 316092857 |
| IGE | iShares North American Natural Resources ETF | 492,536 | $24.73M | 6.1% | $43.07 | — | NORTH AMERN NAT | 464287374 |
| IEMG | iShares Core MSCI Emerging Mkts ETF | 331,668 | $22.29M | 5.5% | $52.31 | — | CORE MSCI EMKT | 46434G103 |
| IJH | iShares S&P MidCap 400 Index Fd | 258,672 | $17.07M | 4.2% | $67.69 | — | CORE S&P MCP ETF | 464287507 |
| NVDA | Nvidia Corp | 81,880 | $15.27M | 3.8% | $95.11 | +95.7% | COM | 67066G104 |
| AAPL | Apple Computer Inc | 53,237 | $14.47M | 3.6% | $100.07 | +168.2% | COM | 037833100 |
| MSFT | Microsoft Corp | 28,309 | $13.69M | 3.4% | $104.23 | +380.3% | COM | 594918104 |
| SPMD | State Street SPDR Portfolio S&P 400 Mid Cap ETF | 235,643 | $13.65M | 3.4% | $46.80 | — | PORTFOLIO S&P400 | 78464A847 |
| EMB | iShares JPMorgan USD Emerging Markets Bond ETF | 132,225 | $12.73M | 3.2% | $104.10 | — | JPMORGAN USD EMG | 464288281 |
| GOOG | Alphabet Inc Class C | 40,453 | $12.69M | 3.1% | $109.26 | +162.1% | CAP STK CL C | 02079K107 |
| DFAC | Dimensional U.S. Core Equity 2 ETF | 238,023 | $9.423M | 2.3% | $32.59 | — | US CORE EQUITY 2 | 25434V708 |
| AMZN | Amazon Communications Inc | 37,712 | $8.705M | 2.2% | $138.84 | +64.8% | COM | 023135106 |
| CZNC | Citizens & Northern Corp | 361,412 | $7.29M | 1.8% | $14.49 | +35.2% | COM | 172922106 |
| CZFS | Citizens Financial Services Inc | 117,063 | $6.675M | 1.7% | $59.23 | -4.5% | COM | 174615104 |
| JPM | JPMorgan Chase & Co | 20,091 | $6.474M | 1.6% | $68.82 | +349.8% | COM | 46625H100 |
| META | Meta Platforms Inc | 8,780 | $5.796M | 1.4% | $180.26 | +270.2% | CL A | 30303M102 |
| AVDE | Avantis International Equity ETF | 54,809 | $4.512M | 1.1% | $68.73 | — | INTL EQT ETF | 025072703 |
| MA | Mastercard Inc Class A | 7,877 | $4.497M | 1.1% | $272.20 | +105.3% | CL A | 57636Q104 |
| COST | Costco Wholesale Corp (New) | 4,373 | $3.771M | 0.9% | $222.89 | +306.4% | COM | 22160K105 |
| AMD | Advanced Micro Devices Inc | 15,877 | $3.4M | 0.8% | $123.39 | +82.0% | COM | 007903107 |
| MBB | iShares Barclays MBS Bond Fund ETF | 35,349 | $3.366M | 0.8% | $100.16 | — | MBS ETF | 464288588 |
| XOM | Exxon Mobil Corp | 26,338 | $3.17M | 0.8% | $54.37 | +112.4% | COM | 30231G102 |
| ORCL | Oracle Corp | 14,504 | $2.827M | 0.7% | $85.25 | +179.2% | COM | 68389X105 |
| PG | Procter & Gamble Co | 18,566 | $2.661M | 0.7% | $85.75 | +71.6% | COM | 742718109 |
| TJX | Tjx Companies (New) | 16,856 | $2.589M | 0.6% | $44.58 | +231.3% | COM | 872540109 |
| ABT | Abbott Labs | 20,562 | $2.576M | 0.6% | $50.93 | +149.9% | COM | 002824100 |
| RTX | RTX Corporation | 13,774 | $2.526M | 0.6% | $139.31 | +24.4% | COM | 75513E101 |
| CSCO | Cisco Systems Inc | 32,735 | $2.522M | 0.6% | $47.94 | +53.9% | COM | 17275R102 |
| ADI | Analog Devices Inc | 9,288 | $2.519M | 0.6% | $159.77 | +56.9% | COM | 032654105 |
| CAT | Caterpillar Inc | 4,214 | $2.414M | 0.6% | $471.79 | +17.7% | COM | 149123101 |
| COR | Cencora, Inc. | 7,045 | $2.379M | 0.6% | $141.35 | +141.0% | COM | 03073E105 |
| BX | Blackstone Inc | 15,280 | $2.355M | 0.6% | $95.06 | +59.3% | COM | 09260D107 |
| AVGO | Broadcom Inc Common | 6,719 | $2.325M | 0.6% | $214.33 | +66.6% | COM | 11135F101 |
| CRM | Salesforce, Inc. | 8,467 | $2.243M | 0.6% | $127.30 | +95.0% | COM | 79466L302 |
| CVS | CVS Health Corporation | 26,828 | $2.129M | 0.5% | $56.11 | +40.2% | COM | 126650100 |
| SCHW | Charles Schwab Corp | 21,271 | $2.125M | 0.5% | $68.32 | +38.7% | COM | 808513105 |
| NSC | Norfolk Southern Corp | 6,836 | $1.974M | 0.5% | $124.60 | +131.6% | COM | 655844108 |
| SPY | State Street SPDR S&P 500 ETF Trust | 2,877 | $1.962M | 0.5% | $293.32 | — | TR UNIT | 78462F103 |
| BA | Boeing Co | 8,980 | $1.95M | 0.5% | $225.96 | -9.0% | COM | 097023105 |
| GSK | GSK PLC ADR | 39,595 | $1.942M | 0.5% | $35.66 | — | SPONSORED ADR | 37733W204 |
| HD | Home Depot Inc | 5,601 | $1.927M | 0.5% | $166.04 | +119.6% | COM | 437076102 |
| GLW | Corning Inc | 21,734 | $1.903M | 0.5% | $21.41 | +301.5% | COM | 219350105 |
| GD | General Dynamics Corp | 5,408 | $1.821M | 0.5% | $156.18 | +118.3% | COM | 369550108 |
| KKR | KKR & Co Inc | 14,168 | $1.806M | 0.4% | $124.29 | 0.0% | COM | 48251W104 |
| JNJ | Johnson & Johnson | 8,196 | $1.696M | 0.4% | $140.20 | +40.5% | COM | 478160104 |
| KO | Coca Cola Co | 23,393 | $1.635M | 0.4% | $37.38 | +85.6% | COM | 191216100 |
| C | Citigroup Inc Common New | 13,930 | $1.625M | 0.4% | $103.64 | 0.0% | COM NEW | 172967424 |
| PYPL | Paypal Holdings, Inc. | 27,351 | $1.597M | 0.4% | $65.39 | -0.8% | COM | 70450Y103 |
| AMT | American Tower REIT Inc | 9,061 | $1.591M | 0.4% | $96.65 | +86.5% | COM | 03027X100 |
| AVUS | Avantis US Equity ETF | 13,829 | $1.546M | 0.4% | $86.08 | — | US EQT ETF | 025072885 |
| ACN | Accenture PLC | 5,588 | $1.499M | 0.4% | $337.09 | -24.6% | SHS CLASS A | G1151C101 |
| NFLX | Netflix Inc Corp | 15,633 | $1.466M | 0.4% | $107.81 | 0.0% | COM | 64110L106 |
| DIS | Disney Walt Co | 12,788 | $1.455M | 0.4% | $97.32 | +12.5% | COM | 254687106 |
| ETN | Eaton Corp | 4,507 | $1.436M | 0.4% | $334.86 | +5.8% | SHS | G29183103 |
| CMG | Chipotle Mexican Grill Inc Corp Common | 38,035 | $1.407M | 0.3% | $60.70 | -40.4% | COM | 169656105 |
| NOW | Servicenow Inc | 9,127 | $1.398M | 0.3% | $171.45 | +0.1% | COM | 81762P102 |
| NEE | Nextera Energy Inc | 17,340 | $1.392M | 0.3% | $64.16 | +28.6% | COM | 65339F101 |
| PANW | Palo Alto Networks Inc Common | 7,509 | $1.383M | 0.3% | $138.69 | +45.5% | COM | 697435105 |
| ICE | Intercontinental Exchange Inc Common | 8,324 | $1.348M | 0.3% | $60.41 | +158.6% | COM | 45866F104 |
| ADBE | Adobe Systems Inc | 3,840 | $1.344M | 0.3% | $519.53 | -34.5% | COM | 00724F101 |
| SLB | SLB Limited | 34,819 | $1.336M | 0.3% | $37.56 | -4.0% | COM STK | 806857108 |
| EMR | Emerson Electric Co | 9,993 | $1.326M | 0.3% | $132.37 | 0.0% | COM | 291011104 |
| INTU | Intuit | 2,001 | $1.326M | 0.3% | $660.69 | 0.0% | COM | 461202103 |
| MDLZ | Mondelez Intl Inc Class A | 24,204 | $1.303M | 0.3% | $36.35 | +57.0% | CL A | 609207105 |
| DIA | SPDR Dow Jones Industrial Average ETF Trust | 2,543 | $1.222M | 0.3% | $267.97 | — | UT SER 1 | 78467X109 |
| BIIB | Biogen Idec Inc | 6,912 | $1.216M | 0.3% | $163.65 | -0.2% | COM | 09062X103 |
| MRSH | Marsh | 6,509 | $1.208M | 0.3% | $122.45 | +52.2% | COM | 571748102 |
| PFE | Pfizer Inc | 47,977 | $1.195M | 0.3% | $24.75 | +1.1% | COM | 717081103 |
| CVX | Chevron Corp | 7,716 | $1.176M | 0.3% | $87.76 | +72.5% | COM | 166764100 |
| UNP | Union Pacific Corp | 5,044 | $1.167M | 0.3% | $86.78 | +161.9% | COM | 907818108 |
| BNDX | Vanguard Total International Bond Index Fund ETF | 24,121 | $1.166M | 0.3% | $55.04 | — | TOTAL INT BD ETF | 92203J407 |
| EOG | EOG Resources, Inc. | 10,726 | $1.126M | 0.3% | $67.43 | +59.0% | COM | 26875P101 |
| NKE | Nike, Inc. Class B | 17,005 | $1.083M | 0.3% | $57.91 | +12.1% | CL B | 654106103 |
| TPR | Tapestry Inc Common | 8,383 | $1.071M | 0.3% | $114.03 | 0.0% | COM | 876030107 |
| IWF | iShares Trust Russell 1000 Growth ETF | 2,254 | $1.067M | 0.3% | $155.79 | — | RUS 1000 GRW ETF | 464287614 |
| CARR | Carrier Global Corp | 19,638 | $1.038M | 0.3% | $67.32 | -17.5% | COM | 14448C104 |
| BMY | Bristol Myers Squibb Co | 19,051 | $1.028M | 0.3% | $44.04 | +7.9% | COM | 110122108 |
| MCD | McDonalds Corp | 3,090 | $944K | 0.2% | $82.48 | +269.9% | COM | 580135101 |
| FCX | Freeport-McMoran, Inc. | 17,999 | $914K | 0.2% | $38.53 | +12.4% | CL B | 35671D857 |
| DD | DuPont de Nemours Inc | 22,119 | $889K | 0.2% | $30.89 | +21.0% | COM | 26614N102 |
| HYG | iShares iBoxx $ High Yield Corp Bond ETF | 10,822 | $873K | 0.2% | $82.14 | — | IBOXX HI YD ETF | 464288513 |
| IBM | International Business Machines | 2,832 | $839K | 0.2% | $109.53 | +172.8% | COM | 459200101 |
| BDX | Becton, Dickinson & Co. | 4,235 | $822K | 0.2% | $224.79 | -15.7% | COM | 075887109 |
| SPTL | State Street SPDR Portfolio Long Term Treasury ETF | 30,396 | $805K | 0.2% | $36.42 | — | PORTFOLIO LN TSR | 78464A664 |
| SPTS | State Street SPDR Portfolio Short Term Treasury ETF | 26,935 | $789K | 0.2% | $29.29 | — | PORTFOLIO SH TSR | 78468R101 |
| AVEM | Avantis Emerging Markets Equity ETF | 10,143 | $781K | 0.2% | $64.84 | — | AVANTIS EMGMKT | 025072604 |
| MTB | M & T Bank Corp | 3,642 | $734K | 0.2% | $186.91 | +1.7% | COM | 55261F104 |
| BRK/B | Berkshire Hathaway Inc Class B New | 1,456 | $732K | 0.2% | $303.16 | +64.1% | CL B NEW | 084670702 |
| ZBH | Zimmer Biomet Holdings, Inc. | 8,080 | $727K | 0.2% | $102.51 | -7.7% | COM | 98956P102 |
| IWD | iShares Russell 1000 Value ETF | 3,029 | $637K | 0.2% | $126.52 | — | RUS 1000 VAL ETF | 464287598 |
| SUB | iShares Short-Term National Muni Bond ETF | 5,929 | $633K | 0.2% | $105.43 | — | SHRT NAT MUN ETF | 464288158 |
| VIG | Vanguard Dividend Appreciation Index ETF | 2,866 | $630K | 0.2% | $140.29 | — | DIV APP ETF | 921908844 |
| VZ | Verizon Communications | 15,240 | $621K | 0.2% | $34.52 | +17.3% | COM | 92343V104 |
| DFIC | DFA Dimensional International Core Equity 2 ETF | 17,326 | $597K | 0.1% | $26.74 | — | INTL CORE EQUITY | 25434V799 |
| TIP | iShares Barclays TIPS Bond Fund | 5,404 | $594K | 0.1% | $113.65 | — | TIPS BD ETF | 464287176 |
| ROP | Roper Industries Inc New | 1,115 | $496K | 0.1% | $223.58 | +106.7% | COM | 776696106 |
| ITW | Illinois Tool Works Inc | 1,898 | $467K | 0.1% | $150.18 | +64.8% | COM | 452308109 |
| BBWI | Bath & Body Works | 21,871 | $439K | 0.1% | $35.02 | -38.0% | COM | 070830104 |
| DFEM | DFA Dimensional Emerging Markets Core Equity 2 ETF | 12,833 | $425K | 0.1% | $29.21 | — | EMERGING MKTS CO | 25434V732 |
| T | AT&T Inc | 17,037 | $423K | 0.1% | $15.44 | +63.8% | COM | 00206R102 |
| XLV | Health Care Select Sector SPDR ETF | 2,659 | $412K | 0.1% | $154.80 | — | SBI HEALTHCARE | 81369Y209 |
| DE | Deere & Co | 880 | $410K | 0.1% | $162.09 | +188.5% | COM | 244199105 |
| IHI | iShares Dow Jones US Med Devices Index | 6,179 | $384K | 0.1% | $62.15 | — | U.S. MED DVC ETF | 464288810 |
| IVV | iShares Core S&P 500 ETF | 550 | $377K | 0.1% | $336.60 | — | CORE S&P500 ETF | 464287200 |
| HON | Honeywell Intl Inc | 1,856 | $362K | 0.1% | $131.74 | +48.0% | COM | 438516106 |
| LLY | Eli Lilly & Co | 315 | $339K | 0.1% | $626.03 | +52.6% | COM | 532457108 |
| CMCSA | Comcast Corp Class A | 11,030 | $330K | 0.1% | $34.47 | -17.2% | CL A | 20030N101 |
| NFG | National Fuel Gas Co N J | 4,012 | $321K | 0.1% | $49.65 | +66.0% | COM | 636180101 |
| CMI | Cummins Inc | 600 | $306K | 0.1% | $380.68 | +22.5% | COM | 231021106 |
| VT | Vanguard Total World Stock Index Fund ETF | 2,000 | $282K | 0.1% | $102.88 | — | TT WRLD ST ETF | 922042742 |
| GOOGL | Alphabet Inc Class A | 890 | $279K | 0.1% | $209.20 | +36.5% | CAP STK CL A | 02079K305 |
| XLY | Consumer Discretionary Select Sector SPDR | 2,260 | $270K | 0.1% | $119.41 | — | SBI CONS DISCR | 81369Y407 |
| DGX | Quest Diagnostics Inc | 1,550 | $269K | 0.1% | $148.13 | +22.9% | COM | 74834L100 |
| LOW | Lowes Cos Inc | 1,105 | $266K | 0.1% | $182.78 | +31.2% | COM | 548661107 |
| ROK | Rockwell Automation Inc Common | 666 | $259K | 0.1% | $282.18 | +33.0% | COM | 773903109 |
| GWW | W W Grainger Inc | 245 | $247K | 0.1% | $271.91 | +256.3% | COM | 384802104 |
| BLK | Blackrock Funding Inc | 222 | $238K | 0.1% | $991.05 | +9.9% | COM | 09290D101 |
| VNQ | Vanguard REIT Index ETF | 2,683 | $237K | 0.1% | $91.42 | — | REAL ESTATE ETF | 922908553 |
| BNDC | FlexShares Core Select Bond Fund ETF | 10,418 | $233K | 0.1% | $22.27 | — | CRE SLCT BD FD | 33939L670 |
| TFC | Truist Financial Corporation | 4,727 | $233K | 0.1% | $30.87 | +48.4% | COM | 89832Q109 |
| HAL | Halliburton Co | 8,222 | $232K | 0.1% | $23.90 | +10.0% | COM | 406216101 |
| VTEB | Vanguard Tax-Exempt Bond Index ETF | 4,503 | $226K | 0.1% | $51.06 | — | TAX EXEMPT BD | 922907746 |
| PGR | Progressive Corp Ohio common | 925 | $211K | 0.1% | $230.91 | -8.0% | COM | 743315103 |