Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
JNJ	Johnson & Johnson	93,861	$9.442M	3.3%	$60.44	+24.3%	COM	478160104
—	Actavis PLC	29,710	$8.842M	3.1%	$197.60	—	COM	G0083B108
—	General Electric Company	314,404	$7.8M	2.7%	$23.35	—	COM	369604103
AAPL	Apple Computer	61,220	$7.618M	2.6%	$18.59	+44.4%	COM	037833100
TJX	TJX Companies Inc.	108,199	$7.579M	2.6%	$21.26	+37.7%	COM	872540109
MSFT	Microsoft Corp.	182,385	$7.415M	2.6%	$27.47	+35.6%	COM	594918104
—	United Technologies	60,262	$7.063M	2.5%	$95.02	—	COM	913017109
—	AmTrust Financial Services	121,700	$6.935M	2.4%	$38.00	—	COM	032359309
PNC	PNC Financial Services Group,	72,406	$6.751M	2.3%	$48.21	+33.3%	COM	693475105
PEP	PepsiCo Inc.	69,565	$6.652M	2.3%	$56.37	+23.6%	COM	713448108
XOM	Exxon Mobil Corp.	75,984	$6.459M	2.2%	$53.80	+3.3%	COM	30231G102
NSRGY	Nestle SA Spon ADR	84,140	$6.329M	2.2%	$66.37	—	COM	641069406
IWN	iShares Russell 2000 Value Ind	59,844	$6.176M	2.1%	$93.40	—	XTMF	464287630
EAT	Brinker International Inc.	100,105	$6.162M	2.1%	$32.82	+54.7%	COM	109641100
CVX	ChevronTexaco Corporation	58,629	$6.155M	2.1%	$71.33	-6.2%	COM	166764100
—	Nordstrom, Inc.	72,900	$5.855M	2.0%	$63.79	—	COM	655664100
CHKP	Check Point Software	71,115	$5.829M	2.0%	$66.13	+22.2%	COM	M22465104
BA	Boeing Co.	38,038	$5.709M	2.0%	$95.34	+34.0%	COM	097023105
ABT	Abbott Laboratories	121,631	$5.635M	2.0%	$29.17	+28.3%	COM	002824100
AMG	Affiliated Managers Group, Inc	25,525	$5.482M	1.9%	$157.54	+29.7%	COM	008252108
KEYS	Keysight Technologies, Inc.	144,455	$5.367M	1.9%	$33.46	+7.7%	COM	49338L103
—	AbbVie Inc.	89,226	$5.223M	1.8%	$50.07	—	COM	00287y109
OMC	Omnicom Group	66,370	$5.176M	1.8%	$41.55	+27.6%	COM	681919106
CVS	CVS Health Corp.	49,334	$5.092M	1.8%	$54.96	+35.1%	COM	126650100
PAA	Plains All Amer Pipeline LP	103,944	$5.069M	1.8%	$54.76	—	COM	726503105
FITB	Fifth Third Bancorp	249,102	$4.696M	1.6%	$12.07	+7.3%	COM	316773100
GWW	Grainger, W. W.	19,837	$4.678M	1.6%	$199.99	0.0%	COM	384802104
PPL	PPL Corporation	138,633	$4.666M	1.6%	$16.58	+18.9%	COM	69351T106
—	Discover Financial Services	82,464	$4.647M	1.6%	$54.92	—	COM	254709108
—	Liberty Property Trust	129,331	$4.617M	1.6%	$36.74	—	COM	531172104
APD	Air Products & Chemicals Inc	28,964	$4.382M	1.5%	$78.33	+35.1%	COM	009158106
KEY	KeyCorp	293,167	$4.151M	1.4%	$6.67	+34.2%	COM	493267108
UPS	United Parcel Service, Inc. Cl	42,273	$4.098M	1.4%	$56.56	+22.7%	COM	911312106
—	BCE Inc.	95,453	$4.043M	1.4%	$41.83	—	COM	05534b760
QCOM	Qualcomm Inc.	54,940	$3.81M	1.3%	$56.02	-7.8%	COM	747525103
—	Verizon Communications	72,899	$3.545M	1.2%	$48.87	—	COM	92343v104
—	Google, Inc. Cl C	6,438	$3.528M	1.2%	$538.04	—	COM	38259P706
—	Energy Transfer Partners, L.P.	58,612	$3.268M	1.1%	$57.11	—	COM	29273R109
—	SunTrust Banks	70,009	$2.877M	1.0%	$35.61	—	COM	867914103
—	The Fresh Market Inc.	69,250	$2.814M	1.0%	$40.64	—	COM	35804H106
—	Invesco Limited	69,978	$2.777M	1.0%	$34.71	—	COM	g491bt108
—	AmerisourceBergen Corp.	22,710	$2.581M	0.9%	$75.10	—	COM	03073e105
PG	Procter & Gamble	31,431	$2.575M	0.9%	$55.25	+15.1%	COM	742718109
—	Dow Chemical Company	52,896	$2.538M	0.9%	$47.98	—	COM	260543103
ROP	Roper Technologies	13,945	$2.399M	0.8%	$148.22	+2.3%	COM	776696106
—	Enbridge Energy Partners, L.P.	60,342	$2.173M	0.8%	$30.49	—	COM	29250r106
SUI	Sun Communities Inc.	29,235	$1.951M	0.7%	$49.28	—	COM	866674104
HAL	Halliburton Company	42,823	$1.879M	0.7%	$40.16	-15.8%	COM	406216101
UNP	Union Pacific Corp.	16,962	$1.837M	0.6%	$66.01	+39.1%	COM	907818108
IBB	iShares Nasdaq Biotechnology I	4,998	$1.716M	0.6%	$291.93	—	XTMF	464287556
COP	ConocoPhillips	27,181	$1.692M	0.6%	$40.20	+13.3%	COM	20825C104
—	AT&T, Inc.	50,532	$1.65M	0.6%	$35.40	—	COM	00206r102
MRK	Merck & Co.	23,772	$1.366M	0.5%	$32.70	+23.2%	COM	58933Y105
—	Terra Nitrogen Company, LP	9,325	$1.359M	0.5%	$191.22	—	COM	881005201
PFE	Pfizer, Inc.	38,366	$1.335M	0.5%	$17.07	+17.8%	COM	717081103
—	Health Care REIT, Inc.	17,238	$1.334M	0.5%	$77.39	—	COM	42217K106
—	Whiting Petroleum Corp.	40,375	$1.248M	0.4%	$49.89	—	COM	966387102
—	Annaly Mortgage Management, In	116,590	$1.213M	0.4%	$11.87	—	COM	035710409
BAC	Bank of America Corp.	78,393	$1.206M	0.4%	$10.13	+26.0%	COM	060505104
BSV	Vanguard Short-Term Bond Fund	14,815	$1.193M	0.4%	$80.44	—	XTMI	921937827
PDER	Pardee Resources Company, Inc.	4,750	$1.126M	0.4%	$225.60	+10.9%	COM	699437109
—	3M Co.	6,626	$1.093M	0.4%	$113.96	—	COM	88579y101
KMB	Kimberly-Clark Corp.	10,094	$1.081M	0.4%	$64.84	+17.7%	COM	494368103
CBU	Community Bank System Inc	28,967	$1.025M	0.4%	$23.71	+6.4%	COM	203607106
ADP	Automatic Data Processing	10,754	$921K	0.3%	$46.68	+45.4%	COM	053015103
KELYA	Kelly Services Cl A	52,700	$919K	0.3%	$14.88	-0.7%	COM	488152208
—	Regions Financial Corporation	83,828	$792K	0.3%	$9.59	—	COM	7591ep100
SLB	Schlumberger Ltd	9,376	$782K	0.3%	$57.78	+6.2%	COM	806857108
KO	Coca-Cola Co.	18,876	$765K	0.3%	$27.78	+6.6%	COM	191216100
BRK/B	Berkshire Hathaway Inc. Cl B	5,127	$740K	0.3%	$110.39	+33.3%	COM	084670702
—	Weatherford Int'l plc	59,400	$731K	0.3%	$23.00	—	COM	G48833100
—	Cerner Corporation	9,535	$699K	0.2%	$77.59	—	COM	156782104
—	J.P. Morgan Chase	11,338	$687K	0.2%	$52.93	—	COM	46625h100
—	Buckeye Partners L P Unit Ltd	8,905	$673K	0.2%	$70.59	—	COM	118230101
—	Capstead Mortgage Corp.	56,650	$667K	0.2%	$12.00	—	COM	14067E506
—	Du Pont, E. I.	8,828	$631K	0.2%	$53.34	—	COM	263534109
—	Diageo PLC Spon ADR	5,191	$574K	0.2%	$114.95	—	COM	25243q205
—	CYS Investments Inc	63,900	$569K	0.2%	$8.16	—	COM	12673a108
—	Celgene Corp.	4,650	$536K	0.2%	$111.80	—	COM	151020104
DIS	Disney, Walt	5,065	$531K	0.2%	$56.62	+62.2%	COM	254687106
SHW	Sherwin Williams	1,773	$504K	0.2%	$57.96	+45.2%	COM	824348106
CDNS	Cadence Design Systems, Inc.	26,800	$494K	0.2%	$14.29	+27.4%	COM	127387108
EFA	iShares MSCI EAFE Index Fund	7,578	$486K	0.2%	$65.68	—	XTIF	464287465
LMT	Lockheed Martin Corp	2,252	$457K	0.2%	$147.13	0.0%	COM	539830109
IBM	International Business Machine	2,785	$447K	0.2%	$118.67	-18.7%	COM	459200101
IJR	iShares S&P SmallCap 600 Index	3,715	$438K	0.2%	$91.13	—	XTMF	464287804
BMY	Bristol-Myers Squibb	6,793	$438K	0.2%	$28.67	+51.6%	COM	110122108
EMR	Emerson Electric Co	7,415	$420K	0.1%	$40.58	+7.0%	COM	291011104
IWD	iShares Russell 1000 Value Ind	4,000	$412K	0.1%	$83.72	—	XTMF	464287598
INTC	Intel Corporation	13,117	$410K	0.1%	$18.54	+40.2%	COM	458140100
EPD	Enterprise Products Partners L	12,232	$403K	0.1%	$49.19	—	COM	293792107
ITW	Illinois Tool Works	4,116	$400K	0.1%	$59.02	+26.3%	COM	452308109
CZNC	Citizens & Northern Corp.	19,400	$391K	0.1%	$10.51	+8.1%	COM	172922106
IWM	iShares Russell 2000 Index Fun	2,939	$366K	0.1%	$98.81	—	XTMF	464287655
SYK	Stryker Corporation	3,850	$355K	0.1%	$71.08	+15.3%	COM	863667101
BIIB	Biogen Idec Inc.	837	$353K	0.1%	$323.51	+21.8%	COM	09062X103
—	Costco Wholesale	2,329	$353K	0.1%	$111.79	—	COM	22160k105
IWR	iShares Russell Midcap Index F	2,020	$350K	0.1%	$130.40	—	XTMF	464287499
—	Wisconsin Energy Corp.	7,000	$347K	0.1%	$41.00	—	COM	976657106
AFL	AFLAC Inc.	5,315	$340K	0.1%	$20.11	+17.4%	COM	001055102
SO	Southern Company	7,293	$323K	0.1%	$26.80	+11.7%	COM	842587107
HD	Home Depot Inc.	2,823	$321K	0.1%	$57.68	+47.9%	COM	437076102
—	SPDR Gold Trust	2,775	$315K	0.1%	$121.02	—	XTAL	78463v107
IVV	iShares S&P 500 Index Fund	1,500	$312K	0.1%	$160.63	—	XTMF	464287200
VWO	Vanguard Emerging Markets	7,181	$293K	0.1%	$39.31	—	XTIF	922042858
SYY	Sysco Corp.	7,606	$287K	0.1%	$25.04	+18.0%	COM	871829107
NEE	NextEra Energy, Inc.	2,659	$277K	0.1%	$16.85	+17.9%	COM	65339F101
HON	Honeywell International	2,641	$275K	0.1%	$57.74	+26.4%	COM	438516106
BGS	B&G Foods, Inc.	9,125	$269K	0.1%	$12.90	0.0%	COM	05508R106
—	Anadarko Petroleum Corp.	3,236	$268K	0.1%	$86.32	—	COM	032511107
—	Raytheon Company	2,421	$264K	0.1%	$91.30	—	COM	755111507
DCI	Donaldson Co. Inc.	6,940	$262K	0.1%	$33.57	-6.9%	COM	257651109
—	Total System Services, Inc.	6,400	$244K	0.1%	$33.28	—	COM	891906109
TIP	iShares Barclays US TIPS Fund	2,050	$233K	0.1%	$111.95	—	XTMI	464287176
—	Energy XXI (Bermuda) Ltd.	62,500	$228K	0.1%	$23.61	—	COM	G10082140
MCD	McDonald's Corp.	2,336	$228K	0.1%	$71.49	+0.9%	COM	580135101
AZN	AstraZeneca PLC Spon ADR	3,300	$226K	0.1%	$51.02	—	COM	046353108
JKHY	Henry Jack & Associates Inc.	3,100	$217K	0.1%	$52.02	+10.1%	COM	426281101
—	Novartis AG Spon Adr	2,135	$211K	0.1%	$98.83	—	COM	66987v109
—	Magellan Midstream Partners, L	2,725	$209K	0.1%	$84.04	—	COM	559080106
MAT	Mattel, Inc.	9,025	$206K	0.1%	$26.53	0.0%	COM	577081102
—	Praxair Inc.	1,697	$205K	0.1%	$115.71	—	COM	74005P104
—	Royal Dutch Shell PLC Spons AD	3,384	$202K	0.1%	$67.02	—	COM	780259206
—	AllianzGI NFJ Dividend Int & P	11,613	$190K	0.1%	$16.36	—	XTMF	01883A107
—	VIVUS, Inc.	24,500	$60,000	0.0%	$10.77	—	COM	928551100
—	Enzo Biochem, Inc.	14,000	$41,000	0.0%	$4.43	—	COM	294100102
—	HouseRaising, Inc.	10,000	$0	0.0%	—	—	COM	44183w106