Instuitional Investor - Citizens & Northern Corp

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Vanguard Scottsdale Funds		434,449	$33,895,711	12.1%
2.	Flexshares Trust		541,339	$22,167,832	7.91%
3.	Fidelity Covington Trust		665,654	$17,739,679	6.33%
4.	Microsoft Corp	MSFT	32,391	$12,180,312	4.34%
5.	Apple Inc.	AAPL	56,827	$10,940,902	3.9%