Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
JNJ	Johnson & Johnson	94,870	$10.27M	3.8%	$60.59	+30.0%	COM	478160104
MSFT	Microsoft Corp.	181,715	$10.04M	3.7%	$27.60	+66.9%	COM	594918104
IWN	iShares Russell 2000 Value Ind	104,929	$9.777M	3.6%	$92.96	—	XTMF	464287630
—	General Electric Company	289,604	$9.207M	3.4%	$23.69	—	COM	369604103
TJX	TJX Companies Inc.	102,326	$8.017M	3.0%	$21.69	+45.7%	COM	872540109
CVS	CVS Health Corp.	77,099	$7.997M	2.9%	$62.25	+16.3%	COM	126650100
GOOG	Alphabet Inc. Cl C	10,656	$7.938M	2.9%	$35.61	-0.2%	COM	02079K107
—	Costco Wholesale	50,152	$7.903M	2.9%	$136.25	—	COM	22160k105
AAPL	Apple Computer	66,766	$7.277M	2.7%	$19.26	+17.1%	COM	037833100
PEP	PepsiCo Inc.	69,776	$7.151M	2.6%	$56.80	+29.0%	COM	713448108
CHKP	Check Point Software	79,485	$6.953M	2.6%	$67.83	+18.5%	COM	M22465104
ROP	Roper Technologies	34,535	$6.312M	2.3%	$157.16	+3.3%	COM	776696106
NSRGY	Nestle SA Spon ADR	82,796	$6.177M	2.3%	$66.96	—	COM	641069406
LLY	Lilly, Eli	85,652	$6.168M	2.3%	$69.20	-7.5%	COM	532457108
—	AmTrust Financial Services	233,132	$6.033M	2.2%	$32.42	—	COM	032359309
PNC	PNC Financial Services Group,	71,184	$6.02M	2.2%	$48.86	+26.8%	COM	693475105
—	Allergan PLC	21,800	$5.843M	2.2%	$303.45	—	COM	G0177J108
ABT	Abbott Laboratories	135,990	$5.688M	2.1%	$29.99	+10.0%	COM	002824100
XOM	Exxon Mobil Corp.	67,927	$5.678M	2.1%	$53.80	-3.4%	COM	30231G102
—	United Technologies	55,528	$5.558M	2.0%	$95.02	—	COM	913017109
PPL	PPL Corporation	139,598	$5.314M	2.0%	$16.71	+37.0%	COM	69351T106
CVX	ChevronTexaco Corporation	55,688	$5.313M	2.0%	$70.82	-18.9%	COM	166764100
APD	Air Products & Chemicals Inc	36,224	$5.218M	1.9%	$82.92	+14.2%	COM	009158106
OMC	Omnicom Group	60,911	$5.07M	1.9%	$41.75	+28.8%	COM	681919106
DE	Deere & Co.	58,619	$4.513M	1.7%	$70.12	-5.5%	COM	244199105
—	Dow Chemical Company	87,800	$4.466M	1.6%	$46.61	—	COM	260543103
—	AmerisourceBergen Corp.	51,210	$4.432M	1.6%	$90.84	—	COM	03073e105
FITB	Fifth Third Bancorp	255,861	$4.27M	1.6%	$12.07	-3.9%	COM	316773100
—	Verizon Communications	78,354	$4.237M	1.6%	$48.69	—	COM	92343v104
—	Discover Financial Services	76,552	$3.898M	1.4%	$54.96	—	COM	254709108
—	SunTrust Banks	107,496	$3.878M	1.4%	$36.48	—	COM	867914103
—	PAREXEL Int'l Corp.	61,135	$3.835M	1.4%	$62.73	—	COM	699462107
—	BCE Inc.	81,935	$3.731M	1.4%	$41.84	—	COM	05534b760
QCOM	Qualcomm Inc.	70,521	$3.606M	1.3%	$53.44	-30.9%	COM	747525103
OXY	Occidental Petroleum	46,008	$3.148M	1.2%	$51.37	-1.9%	COM	674599105
PG	Procter & Gamble	31,487	$2.592M	1.0%	$55.42	+11.2%	COM	742718109
DLTR	Dollar Tree Stores Inc.	31,265	$2.578M	0.9%	$78.87	0.0%	COM	256746108
SLB	Schlumberger Ltd	34,133	$2.517M	0.9%	$55.43	-4.1%	COM	806857108
KEY	KeyCorp	224,517	$2.479M	0.9%	$6.67	+11.5%	COM	493267108
—	Liberty Property Trust	73,509	$2.46M	0.9%	$36.74	—	COM	531172104
SUI	Sun Communities Inc.	30,210	$2.163M	0.8%	$50.23	—	COM	866674104
—	AT&T, Inc.	51,854	$2.031M	0.7%	$35.35	—	COM	00206r102
—	Invesco Limited	65,675	$2.021M	0.7%	$35.42	—	COM	g491bt108
—	Energy Transfer Partners, L.P.	59,300	$1.918M	0.7%	$56.05	—	COM	29273R109
PAA	Plains All Amer Pipeline LP	89,356	$1.874M	0.7%	$54.10	—	COM	726503105
—	3M Co.	9,380	$1.563M	0.6%	$122.81	—	COM	88579y101
KMB	Kimberly-Clark Corp.	10,329	$1.389M	0.5%	$65.24	+42.2%	COM	494368103
PFE	Pfizer, Inc.	46,092	$1.366M	0.5%	$17.65	+5.8%	COM	717081103
MRK	Merck & Co.	25,405	$1.344M	0.5%	$33.10	+8.9%	COM	58933Y105
UNP	Union Pacific Corp.	14,505	$1.154M	0.4%	$66.01	-6.1%	COM	907818108
CBU	Community Bank System Inc	29,967	$1.145M	0.4%	$23.84	+17.0%	COM	203607106
BAC	Bank of America Corp.	84,308	$1.14M	0.4%	$10.21	+6.3%	COM	060505104
WELL	Welltower Inc.	15,233	$1.056M	0.4%	$44.80	-0.9%	COM	95040Q104
—	Terra Nitrogen Company, LP	9,420	$1.048M	0.4%	$181.79	—	COM	881005201
KELYA	Kelly Services Cl A	52,700	$1.008M	0.4%	$14.88	-2.0%	COM	488152208
ADP	Automatic Data Processing	10,924	$980K	0.4%	$47.70	+41.9%	COM	053015103
—	Enbridge Energy Partners, L.P.	51,448	$943K	0.3%	$30.49	—	COM	29250r106
—	Buckeye Partners L P Unit Ltd	12,130	$824K	0.3%	$67.58	—	COM	118230101
KO	Coca-Cola Co.	17,679	$820K	0.3%	$27.94	+14.0%	COM	191216100
BSV	Vanguard Short-Term Bond Fund	9,004	$726K	0.3%	$79.59	—	XTMI	921937827
PDER	Pardee Resources Company, Inc.	4,750	$717K	0.3%	$225.60	-31.0%	COM	699437109
EFA	iShares MSCI EAFE Index Fund	11,978	$685K	0.3%	$62.91	—	XTIF	464287465
—	J.P. Morgan Chase	11,034	$653K	0.2%	$53.36	—	COM	46625h100
—	Celgene Corp.	5,990	$600K	0.2%	$111.34	—	COM	151020104
—	Diageo PLC Spon ADR	5,397	$582K	0.2%	$114.86	—	COM	25243q205
AMG	Affiliated Managers Group, Inc	3,575	$581K	0.2%	$158.88	-15.0%	COM	008252108
—	Capstead Mortgage Corp.	56,875	$562K	0.2%	$11.92	—	COM	14067E506
EMR	Emerson Electric Co	10,142	$552K	0.2%	$40.45	-7.6%	COM	291011104
BRK/B	Berkshire Hathaway Inc. Cl B	3,727	$529K	0.2%	$110.39	+20.1%	COM	084670702
INTC	Intel Corporation	16,315	$528K	0.2%	$20.04	+21.7%	COM	458140100
—	CYS Investments Inc	64,200	$523K	0.2%	$8.14	—	COM	12673a108
—	Cerner Corporation	9,835	$521K	0.2%	$76.02	—	COM	156782104
DIS	Disney, Walt	5,064	$503K	0.2%	$58.42	+52.3%	COM	254687106
WM	Waste Management Inc.	8,250	$487K	0.2%	$41.05	+11.9%	COM	94106L109
HD	Home Depot Inc.	3,604	$481K	0.2%	$64.69	+52.1%	COM	437076102
—	Du Pont, E. I.	7,485	$474K	0.2%	$53.34	—	COM	263534109
IJR	iShares S&P SmallCap 600 Index	4,038	$455K	0.2%	$92.16	—	XTMF	464287804
BMY	Bristol-Myers Squibb	7,011	$448K	0.2%	$30.09	+48.9%	COM	110122108
SHW	Sherwin Williams	1,563	$445K	0.2%	$57.96	+37.7%	COM	824348106
LMT	Lockheed Martin Corp	1,978	$438K	0.2%	$147.58	+11.9%	COM	539830109
WEC	Wisconsin Energy Corp.	7,000	$420K	0.2%	$36.78	+10.7%	COM	92939U106
IWD	iShares Russell 1000 Value Ind	4,244	$419K	0.2%	$84.70	—	XTMF	464287598
DHR	Danaher Corp	4,255	$404K	0.1%	$35.50	+2.7%	COM	235851102
ITW	Illinois Tool Works	3,616	$370K	0.1%	$59.02	+24.1%	COM	452308109
IBM	International Business Machine	2,442	$370K	0.1%	$117.29	-28.3%	COM	459200101
—	McGraw Hill Financial, Inc.	3,727	$369K	0.1%	$100.39	—	COM	580645109
—	SPDR Gold Trust	3,138	$369K	0.1%	$117.59	—	XTAL	78463v107
SYK	Stryker Corporation	3,398	$365K	0.1%	$71.08	+24.0%	COM	863667101
NEE	NextEra Energy, Inc.	3,068	$363K	0.1%	$17.18	+26.9%	COM	65339F101
IWM	iShares Russell 2000 Index Fun	3,170	$351K	0.1%	$100.53	—	XTMF	464287655
SYY	Sysco Corp.	7,466	$349K	0.1%	$25.51	+30.9%	COM	871829107
IWR	iShares Russell Midcap Index F	2,142	$349K	0.1%	$133.02	—	XTMF	464287499
CZNC	Citizens & Northern Corp.	17,500	$348K	0.1%	$10.60	+14.5%	COM	172922106
EPD	Enterprise Products Partners L	13,428	$331K	0.1%	$46.28	—	COM	293792107
SO	Southern Company	6,322	$327K	0.1%	$27.79	+15.9%	COM	842587107
BGS	B&G Foods, Inc.	9,050	$315K	0.1%	$13.04	+23.7%	COM	05508R106
—	Total System Services, Inc.	6,400	$305K	0.1%	$33.28	—	COM	891906109
WPC	WP Carey Inc	4,875	$303K	0.1%	$59.01	—	COM	92936U109
AFL	AFLAC Inc.	4,700	$297K	0.1%	$20.11	+17.3%	COM	001055102
COP	ConocoPhillips	7,356	$296K	0.1%	$40.20	-30.1%	COM	20825C104
HON	Honeywell International	2,475	$277K	0.1%	$58.13	+31.3%	COM	438516106
JKHY	Henry Jack & Associates Inc.	3,100	$262K	0.1%	$52.02	+37.0%	COM	426281101
—	Regions Financial Corporation	32,728	$257K	0.1%	$9.59	—	COM	7591ep100
BDX	Becton Dickinson & Co.	1,695	$257K	0.1%	$119.24	+2.5%	COM	075887109
—	Walgreens Boots Alliance, Inc.	3,002	$253K	0.1%	$84.32	—	COM	931427108
—	Raytheon Company	2,046	$251K	0.1%	$109.13	—	COM	755111507
—	Cisco Systems Inc.	8,330	$237K	0.1%	$27.29	—	COM	17275r102
—	Magellan Midstream Partners, L	3,425	$236K	0.1%	$68.03	—	COM	559080106
TIP	iShares Barclays US TIPS Fund	2,050	$235K	0.1%	$109.50	—	XTMI	464287176
BIIB	Biogen Idec Inc.	835	$217K	0.1%	$323.67	-18.4%	COM	09062X103
VMC	Vulcan Materials Co.	2,050	$216K	0.1%	$88.90	-2.1%	COM	929160109
VWO	Vanguard Emerging Markets	6,179	$214K	0.1%	$39.31	—	XTIF	922042858
—	Piedmont Natural Gas Company,	3,450	$206K	0.1%	$59.71	—	COM	720186105
F	Ford Motor Co.	12,006	$162K	0.1%	$8.16	-8.7%	COM	345370860
—	Annaly Mortgage Management, In	13,000	$133K	0.0%	$11.87	—	COM	035710409
—	Weatherford Int'l plc	10,425	$81,000	0.0%	$23.00	—	COM	G48833100
—	Enzo Biochem, Inc.	14,000	$64,000	0.0%	$4.43	—	COM	294100102
—	VIVUS, Inc.	24,500	$34,000	0.0%	$10.77	—	COM	928551100
—	U.S. Rare Earth Minerals Inc.	25,000	$2,000	0.0%	$0.08	—	COM	903410207
—	HouseRaising, Inc.	10,000	$0	0.0%	—	—	COM	44183w106