Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
JNJ	Johnson & Johnson	91,981	$9.035M	3.5%	$60.22	+10.7%	COM	478160104
—	General Electric Company	324,414	$8.399M	3.2%	$23.31	—	COM	369604103
XOM	Exxon Mobil Corp.	79,448	$7.76M	3.0%	$53.70	+8.2%	COM	30231G102
CVX	ChevronTexaco Corporation	59,792	$7.11M	2.7%	$71.36	-1.4%	COM	166764100
MSFT	Microsoft Corp.	169,125	$6.932M	2.7%	$26.73	+17.0%	COM	594918104
AMG	Affiliated Managers Group, Inc	34,414	$6.885M	2.7%	$157.54	+20.7%	COM	008252108
—	United Technologies	57,826	$6.756M	2.6%	$93.92	—	COM	913017109
TJX	TJX Companies Inc.	110,058	$6.675M	2.6%	$21.21	+21.4%	COM	872540109
NSRGY	Nestle SA Spon ADR	85,318	$6.418M	2.5%	$66.37	—	COM	641069406
PNC	PNC Financial Services Group,	67,749	$5.894M	2.3%	$47.34	+20.0%	COM	693475105
PEP	PepsiCo Inc.	67,272	$5.617M	2.2%	$56.14	+1.3%	COM	713448108
—	Liberty Property Trust	147,414	$5.448M	2.1%	$36.80	—	COM	531172104
ADP	Automatic Data Processing	69,742	$5.388M	2.1%	$45.09	+16.3%	COM	053015103
EAT	Brinker International Inc.	98,570	$5.17M	2.0%	$32.27	+28.2%	COM	109641100
PAA	Plains All Amer Pipeline LP	89,700	$4.944M	1.9%	$55.27	—	COM	726503105
OMC	Omnicom Group	67,098	$4.871M	1.9%	$41.13	+20.9%	COM	681919106
—	Express Scripts Holding Compan	63,474	$4.766M	1.8%	$62.02	—	COM	30219G108
UPS	United Parcel Service, Inc. Cl	46,454	$4.524M	1.7%	$56.37	+13.8%	COM	911312106
BA	Boeing Co.	36,016	$4.52M	1.7%	$94.37	+18.3%	COM	097023105
ABT	Abbott Laboratories	116,764	$4.497M	1.7%	$28.93	+6.2%	COM	002824100
—	AmTrust Financial Services	118,700	$4.464M	1.7%	$37.61	—	COM	032359309
IWN	iShares Russell 2000 Value Ind	43,731	$4.41M	1.7%	$90.16	—	XTMF	464287630
CDNS	Cadence Design Systems, Inc.	278,675	$4.331M	1.7%	$14.13	+4.9%	COM	127387108
PPL	PPL Corporation	130,557	$4.327M	1.7%	$16.36	+4.3%	COM	69351T106
AAPL	Apple Computer	7,862	$4.22M	1.6%	$13.26	+25.0%	COM	037833100
FITB	Fifth Third Bancorp	175,914	$4.038M	1.6%	$11.56	+26.5%	COM	316773100
KEY	KeyCorp	282,642	$4.025M	1.6%	$6.57	+30.2%	COM	493267108
—	Agilent Technologies	68,990	$3.858M	1.5%	$42.85	—	COM	00846u101
—	Nordstrom, Inc.	59,845	$3.737M	1.4%	$62.37	—	COM	655664100
—	Energy XXI (Bermuda) Ltd.	158,525	$3.736M	1.4%	$23.61	—	COM	G10082140
—	Discover Financial Services	62,866	$3.658M	1.4%	$53.31	—	COM	254709108
—	BCE Inc.	83,654	$3.609M	1.4%	$41.56	—	COM	05534b760
GIS	General Mills Inc.	67,675	$3.507M	1.4%	$32.51	+1.4%	COM	370334104
APD	Air Products & Chemicals Inc	29,165	$3.472M	1.3%	$78.28	+1.3%	COM	009158106
—	Actavis PLC	15,672	$3.226M	1.2%	$170.74	—	COM	G0083B108
—	Energy Transfer Partners, L.P.	56,572	$3.043M	1.2%	$57.15	—	COM	29273R109
—	Verizon Communications	59,767	$2.843M	1.1%	$48.94	—	COM	92343v104
—	Weatherford Int'l Ltd.	157,175	$2.729M	1.1%	$13.72	—	COM	H27013103
LEA	Lear Corporation	30,435	$2.548M	1.0%	$64.86	+0.4%	COM	521865204
PG	Procter & Gamble	31,287	$2.522M	1.0%	$55.00	+2.7%	COM	742718109
COP	ConocoPhillips	35,317	$2.485M	1.0%	$40.20	+13.0%	COM	20825C104
—	Whiting Petroleum Corp.	35,595	$2.47M	1.0%	$49.92	—	COM	966387102
CHKP	Check Point Software	35,300	$2.387M	0.9%	$64.26	+2.9%	COM	M22465104
—	AbbVie Inc.	46,185	$2.374M	0.9%	$41.34	—	COM	00287y109
—	AT&T, Inc.	56,456	$1.98M	0.8%	$35.40	—	COM	00206r102
—	Susquehanna Bancshares, Inc.	165,341	$1.88M	0.7%	$12.85	—	COM	869099101
—	Invesco Limited	50,565	$1.871M	0.7%	$32.90	—	COM	g491bt108
—	Enbridge Energy Partners, L.P.	65,370	$1.792M	0.7%	$30.49	—	COM	29250r106
UNP	Union Pacific Corp.	9,512	$1.785M	0.7%	$57.25	+19.2%	COM	907818108
BHP	BHP Billiton Ltd Adr	25,974	$1.76M	0.7%	$57.65	—	COM	088606108
CVS	CVS Caremark Corporation	22,083	$1.653M	0.6%	$49.70	+2.8%	COM	126650100
—	SunTrust Banks	39,115	$1.556M	0.6%	$31.77	—	COM	867914103
IBM	International Business Machine	7,868	$1.515M	0.6%	$118.67	-8.0%	COM	459200101
—	Annaly Mortgage Management, In	136,724	$1.5M	0.6%	$11.87	—	COM	035710409
—	Kinder Morgan Energy Partners	18,405	$1.361M	0.5%	$85.40	—	COM	494550106
SUI	Sun Communities Inc.	29,485	$1.329M	0.5%	$49.27	—	COM	866674104
BAC	Bank of America Corp.	75,800	$1.304M	0.5%	$10.03	+32.2%	COM	060505104
KELYA	Kelly Services Cl A	52,700	$1.251M	0.5%	$14.88	+40.2%	COM	488152208
—	Exelon Corporation	36,824	$1.236M	0.5%	$30.85	—	COM	30161n101
—	Terra Nitrogen Company, LP	7,840	$1.193M	0.5%	$201.99	—	COM	881005201
PDER	Pardee Resources Company, Inc.	4,750	$1.178M	0.5%	$225.60	+5.0%	COM	699437109
KMB	Kimberly-Clark Corp.	9,280	$1.023M	0.4%	$62.95	+10.2%	COM	494368103
—	Regions Financial Corporation	91,553	$1.017M	0.4%	$9.59	—	COM	7591ep100
—	3M Co.	7,476	$1.014M	0.4%	$113.17	—	COM	88579y101
HAL	Halliburton Company	17,061	$1.005M	0.4%	$36.54	+17.1%	COM	406216101
MRK	Merck & Co.	17,180	$975K	0.4%	$30.16	+18.6%	COM	58933Y105
—	Health Care REIT, Inc.	15,509	$924K	0.4%	$64.09	—	COM	42217k106
KO	Coca-Cola Co.	23,337	$902K	0.3%	$27.78	-4.4%	COM	191216100
—	Du Pont, E. I.	12,795	$859K	0.3%	$52.82	—	COM	263534109
—	Diageo PLC Spon ADR	6,631	$826K	0.3%	$114.95	—	COM	25243q205
PFE	Pfizer, Inc.	24,465	$786K	0.3%	$16.70	+9.0%	COM	717081103
CBU	Community Bank System Inc	19,242	$751K	0.3%	$22.99	+11.5%	COM	203607106
—	Newfield Exploration Company	23,200	$728K	0.3%	$23.88	—	COM	651290108
—	J.P. Morgan Chase	11,612	$705K	0.3%	$52.78	—	COM	46625h100
BRK/B	Berkshire Hathaway Inc. Cl B	5,127	$641K	0.2%	$110.39	+5.9%	COM	084670702
—	Buckeye Partners L P Unit L	8,255	$620K	0.2%	$70.14	—	COM	118230101
SLB	Schlumberger Ltd	6,320	$616K	0.2%	$53.02	+23.5%	COM	806857108
—	Cerner Corporation	10,285	$579K	0.2%	$77.59	—	COM	156782104
BRK/A	Berkshire Hathaway Inc. Cl A	3	$562K	0.2%	$165023.42	+6.4%	COM	084670108
IWD	iShares Russell 1000 Value Ind	5,000	$483K	0.2%	$83.72	—	XTMF	464287598
—	People's United Financial, Inc	32,031	$476K	0.2%	$14.90	—	COM	712704105
EMR	Emerson Electric Co	6,730	$450K	0.2%	$40.02	+19.4%	COM	291011104
HBAN	Huntington Bancshares, Inc.	44,150	$440K	0.2%	$4.66	+29.6%	COM	446150104
DIS	Disney, Walt	5,218	$418K	0.2%	$56.26	+23.9%	COM	254687106
BMY	Bristol-Myers Squibb	7,923	$412K	0.2%	$28.67	+25.3%	COM	110122108
—	CYS Investments Inc	48,500	$401K	0.2%	$7.92	—	COM	12673a108
IJR	iShares S&P SmallCap 600 Index	3,585	$395K	0.2%	$90.38	—	XTMF	464287804
BSV	Vanguard Short-Term Bond Fund	4,865	$390K	0.2%	$80.17	—	XTMI	921937827
IWM	iShares Russell 2000 Index Fun	3,247	$378K	0.1%	$97.01	—	XTMF	464287655
AZN	AstraZeneca PLC Spon ADR	5,800	$376K	0.1%	$49.01	—	COM	046353108
EPD	Enterprise Products Partners L	5,412	$375K	0.1%	$62.18	—	COM	293792107
AFL	AFLAC Inc.	5,750	$362K	0.1%	$20.11	+19.3%	COM	001055102
CZNC	Citizens & Northern Corp.	18,100	$357K	0.1%	$10.24	+4.9%	COM	172922106
MCD	McDonald's Corp.	3,613	$354K	0.1%	$71.58	-1.8%	COM	580135101
—	Anadarko Petroleum Corp.	3,984	$338K	0.1%	$86.32	—	COM	032511107
INTC	Intel Corporation	12,985	$335K	0.1%	$17.13	+9.0%	COM	458140100
—	Capstead Mortgage Corp.	25,900	$328K	0.1%	$12.02	—	COM	14067E506
—	Wisconsin Energy Corp.	7,000	$326K	0.1%	$41.00	—	COM	976657106
SYY	Sysco Corp.	8,766	$317K	0.1%	$24.40	+7.0%	COM	871829107
—	Praxair Inc.	2,378	$311K	0.1%	$115.43	—	COM	74005P104
IWR	iShares Russell Midcap Index F	2,000	$310K	0.1%	$130.00	—	XTMF	464287499
SO	Southern Company	7,019	$308K	0.1%	$26.74	-5.5%	COM	842587107
QCOM	Qualcomm Inc.	3,881	$306K	0.1%	$45.06	+19.9%	COM	747525103
IBB	iShares Nasdaq Biotechnology I	1,275	$301K	0.1%	$174.12	—	XTMF	464287556
—	SPDR Gold Trust	2,400	$297K	0.1%	$119.48	—	XTAL	78463v107
VWO	Vanguard Emerging Markets	7,144	$290K	0.1%	$39.24	—	XTIF	922042858
IVV	iShares S&P 500 Index Fund	1,500	$282K	0.1%	$160.63	—	XTMF	464287200
—	Raytheon Company	2,771	$274K	0.1%	$91.02	—	COM	755111507
EFA	iShares MSCI EAFE Index Fund	4,005	$269K	0.1%	$67.17	—	XTIF	464287465
TIP	iShares Barclays US TIPS Fund	2,346	$263K	0.1%	$111.95	—	XTMI	464287176
SHW	Sherwin Williams	1,288	$254K	0.1%	$53.48	+7.8%	COM	824348106
—	Costco Wholesale	2,229	$249K	0.1%	$111.18	—	COM	22160k105
CL	Colgate-Palmolive Co.	3,830	$248K	0.1%	$44.38	+7.9%	COM	194162103
HD	Home Depot Inc.	3,116	$247K	0.1%	$56.05	+7.5%	COM	437076102
HON	Honeywell International	2,591	$240K	0.1%	$57.46	+12.6%	COM	438516106
CINF	Cincinnati Financial Corp.	4,900	$238K	0.1%	$35.48	-3.7%	COM	172062101
CBT	Cabot Corporation	4,000	$236K	0.1%	$35.58	+11.3%	COM	127055101
—	Google, Inc. Cl A	212	$236K	0.1%	$1122.64	—	COM	38259p508
ITW	Illinois Tool Works	2,866	$233K	0.1%	$54.78	+11.9%	COM	452308109
—	Noble Energy, Inc.	2,990	$212K	0.1%	$66.89	—	COM	655044105
—	Synovus Financial Corp	62,539	$212K	0.1%	$2.93	—	COM	87161c105
SYK	Stryker Corporation	2,600	$212K	0.1%	$69.03	0.0%	COM	863667101
NEE	NextEra Energy, Inc.	2,204	$211K	0.1%	$16.57	0.0%	COM	65339F101
—	VIVUS, Inc.	34,500	$205K	0.1%	$10.77	—	COM	928551100
—	Total System Services, Inc.	6,700	$204K	0.1%	$33.28	—	COM	891906109
—	American Realty Capital Prop	11,159	$156K	0.1%	$13.98	—	COM	02917T104
—	MFS Multimarket Income Trust	15,025	$98,000	0.0%	$6.66	—	XTMI	552737108
—	HouseRaising, Inc.	10,000	$0	0.0%	—	—	COM	44183w106