Instuitional Investor - Citizens & Northern Corp

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Vanguard Scottsdale Funds	VCIT	462,175	$59,070,587	13.5%
2.	Ishares Core Msci Emerging Mkts Etf - CORE MSCI EMKT		340,138	$28,177,032	6.44%
3.	Fidelity Covington Trust	FENY	953,634	$27,941,476	6.38%
4.	Ishares Trust	IEF	427,918	$24,040,433	5.49%
5.	Ishares Trust	IEF	217,637	$16,781,989	3.83%