The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co. COM 88579y101 1,423 7,233 SH   SOLE   7,233 0 0
AFLAC Inc. COM 001055102 245 5,700 SH   SOLE   5,700 0 0
AT&T, Inc. COM 00206r102 1,278 39,798 SH   SOLE   38,748 0 1,050
Abbott Laboratories COM 002824100 11,363 186,304 SH   SOLE   184,804 0 1,500
Accenture PLC - Cl A SHS CLASS A g1151c101 8,664 52,962 SH   SOLE   52,737 0 225
Affiliated Managers Group, Inc COM 008252108 230 1,550 SH   SOLE   1,550 0 0
Air Products & Chemicals Inc COM 009158106 1,133 7,273 SH   SOLE   7,098 0 175
Allergan PLC SHS G0177J108 1,142 6,850 SH   SOLE   6,700 0 150
Alphabet Inc. Cl A CAP STK CL A 02079K305 300 266 SH   SOLE   266 0 0
Alphabet Inc. Cl C CAP STK CL C 02079K107 17,190 15,408 SH   SOLE   15,337 0 71
AmTrust Financial Services COM 032359309 292 20,060 SH   SOLE   19,860 0 200
Amazon.com Inc. COM 023135106 1,118 658 SH   SOLE   648 0 10
Apple Computer COM 037833100 14,277 77,127 SH   SOLE   76,797 0 330
Arrow Financial Corp. COM 042744102 229 6,283 SH   SOLE   6,283 0 0
Automatic Data Processing COM 053015103 1,402 10,451 SH   SOLE   10,451 0 0
BCE Inc. COM NEW 05534b760 455 11,241 SH   SOLE   9,341 0 1,900
Bank of America Corp. COM 060505104 10,305 365,572 SH   SOLE   356,587 0 8,985
Becton Dickinson & Co. COM 075887109 448 1,871 SH   SOLE   1,871 0 0
Berkshire Hathaway Inc. Cl B CL B NEW 084670702 761 4,079 SH   SOLE   4,079 0 0
Biogen Idec Inc. COM 09062X103 252 869 SH   SOLE   869 0 0
Boeing Co. COM 097023105 677 2,017 SH   SOLE   2,017 0 0
Bristol-Myers Squibb COM 110122108 386 6,981 SH   SOLE   6,981 0 0
Buckeye Partners L P Unit Ltd UNIT LTD PARTN 118230101 314 8,930 SH   SOLE   8,930 0 0
CF Industries Holdings, Inc. COM 125269100 10,550 237,616 SH   SOLE   234,966 0 2,650
CYS Investments Inc COM 12673a108 206 27,400 SH   SOLE   17,400 0 10,000
Capstead Mortgage Corp. COM NO PAR 14067E506 163 18,180 SH   SOLE   13,180 0 5,000
Celgene Corp. COM 151020104 484 6,099 SH   SOLE   6,099 0 0
Cerner Corporation COM 156782104 597 9,990 SH   SOLE   9,890 0 100
Cerus Corporation COM 157085101 74 11,150 SH   SOLE   11,150 0 0
ChevronTexaco Corporation COM 166764100 8,929 70,624 SH   SOLE   69,674 0 950
Chipotle Mexican Grill, Inc. COM 169656105 6,118 14,182 SH   SOLE   13,892 0 290
Cisco Systems Inc. COM 17275r102 619 14,389 SH   SOLE   13,964 0 425
Coca-Cola Co. COM 191216100 732 16,681 SH   SOLE   16,681 0 0
Community Bank System Inc COM 203607106 647 10,950 SH   SOLE   9,650 0 1,300
ConocoPhillips COM 20825C104 248 3,561 SH   SOLE   3,561 0 0
Costco Wholesale COM 22160k105 11,777 56,355 SH   SOLE   56,030 0 325
Danaher Corp COM 235851102 8,795 89,125 SH   SOLE   88,200 0 925
Diageo PLC Spon ADR SPON ADR NEW 25243q205 384 2,667 SH   SOLE   2,542 0 125
Discover Financial Services COM 254709108 6,577 93,415 SH   SOLE   92,240 0 1,175
Disney, Walt COM DISNEY 254687106 595 5,676 SH   SOLE   5,676 0 0
Dollar Tree Stores Inc. COM 256746108 7,835 92,175 SH   SOLE   91,725 0 450
DowDuPont Inc. COM 26078J100 7,566 114,780 SH   SOLE   114,555 0 225
Emerson Electric Co COM 291011104 382 5,525 SH   SOLE   4,700 0 825
Energy Transfer Partners, L.P. UNIT LTD PRT INT 29278n103 988 51,891 SH   SOLE   48,891 0 3,000
Enterprise Products Partners L COM 293792107 365 13,180 SH   SOLE   13,180 0 0
Exxon Mobil Corp. COM 30231G102 4,627 55,931 SH   SOLE   55,731 0 200
Facebook, Inc. CL A 30303M102 276 1,418 SH   SOLE   1,418 0 0
Fifth Third Bancorp COM 316773100 1,920 66,886 SH   SOLE   66,886 0 0
Ford Motor Co. COM PAR $0.01 345370860 172 15,506 SH   SOLE   15,506 0 0
Fortive Corp Com COM 34959J108 228 2,955 SH   SOLE   2,655 0 300
GMS Inc COM 36251C103 3,251 120,000 SH   SOLE   120,000 0 0
Gartner, Inc. COM 366651107 602 4,528 SH   SOLE   4,528 0 0
General Electric Company COM 369604103 1,440 105,795 SH   SOLE   102,795 0 3,000
Goldman Sachs Group COM 38141G104 5,812 26,352 SH   SOLE   26,237 0 115
Home Depot Inc. COM 437076102 1,251 6,410 SH   SOLE   6,410 0 0
Honeywell International COM 438516106 8,289 57,543 SH   SOLE   57,243 0 300
Illinois Tool Works COM 452308109 380 2,741 SH   SOLE   2,641 0 100
IntercontinentalExchange, Inc. COM 45866F104 257 3,500 SH   SOLE   3,500 0 0
International Business Machine COM 459200101 635 4,545 SH   SOLE   4,545 0 0
International Paper COM 460146103 236 4,525 SH   SOLE   4,525 0 0
Iqvia Holdings Inc COM 46266C105 443 4,435 SH   SOLE   4,435 0 0
J.P. Morgan Chase COM 46625h100 1,291 12,391 SH   SOLE   11,791 0 600
Johnson & Johnson COM 478160104 12,505 103,058 SH   SOLE   101,258 0 1,800
Kelly Services Cl A CL A 488152208 1,127 50,200 SH   SOLE   50,200 0 0
KeyCorp COM 493267108 1,695 86,755 SH   SOLE   83,755 0 3,000
Kimberly-Clark Corp. COM 494368103 899 8,539 SH   SOLE   8,389 0 150
Liberty Property Trust SH BEN INT 531172104 2,400 54,139 SH   SOLE   51,989 0 2,150
Lilly, Eli COM 532457108 8,517 99,808 SH   SOLE   99,258 0 550
Lockheed Martin Corp COM 539830109 862 2,918 SH   SOLE   2,843 0 75
Magellan Midstream Partners, L COM UNIT RP LP 559080106 252 3,650 SH   SOLE   3,650 0 0
MasterCard, Inc. CL A 57636Q104 12,432 63,258 SH   SOLE   62,933 0 325
Medtronic PLC SHS G5960L103 6,875 80,302 SH   SOLE   79,927 0 375
Merck & Co. COM 58933Y105 1,432 23,589 SH   SOLE   22,889 0 700
Microsoft Corp. COM 594918104 19,309 195,810 SH   SOLE   192,210 0 3,600
Moody's Corporation COM 615369105 247 1,449 SH   SOLE   1,449 0 0
Nestle SA Spon ADR COM 641069406 5,338 68,946 SH   SOLE   68,146 0 800
NextEra Energy, Inc. COM 65339F101 508 3,042 SH   SOLE   3,042 0 0
Occidental Petroleum COM 674599105 5,511 65,856 SH   SOLE   65,531 0 325
PNC Financial Services Group, COM 693475105 11,350 84,015 SH   SOLE   83,040 0 975
PPL Corporation COM 69351T106 3,168 110,971 SH   SOLE   106,671 0 4,300
Pardee Resources Company, Inc. COM 699437109 888 4,674 SH   SOLE   4,000 0 674
Paychex Inc. COM 704326107 217 3,175 SH   SOLE   3,175 0 0
PepsiCo Inc. COM 713448108 8,338 76,591 SH   SOLE   75,916 0 675
Pfizer, Inc. COM 717081103 1,374 37,868 SH   SOLE   36,443 0 1,425
Pinnacle Financial Partners In COM 72346Q104 798 13,000 SH   SOLE   13,000 0 0
Praxair Inc. COM 74005P104 240 1,515 SH   SOLE   1,515 0 0
Procter & Gamble COM 742718109 2,501 32,039 SH   SOLE   30,739 0 1,300
Qualcomm Inc. COM 747525103 5,061 90,174 SH   SOLE   89,574 0 600
Raytheon Company COM NEW 755111507 335 1,736 SH   SOLE   1,736 0 0
Red Hat Inc. COM 756577102 222 1,655 SH   SOLE   1,655 0 0
Rockwell Collins Inc. COM 774341101 10,893 80,880 SH   SOLE   80,705 0 175
Roper Technologies COM 776696106 11,416 41,375 SH   SOLE   41,160 0 215
S&P Global Inc COM 78409V104 802 3,932 SH   SOLE   3,932 0 0
Schlumberger Ltd COM 806857108 4,747 70,819 SH   SOLE   70,594 0 225
Sherwin Williams COM 824348106 543 1,333 SH   SOLE   1,333 0 0
Southern Company COM 842587107 312 6,736 SH   SOLE   6,111 0 625
Starbucks Corporation COM 855244109 6,438 131,785 SH   SOLE   131,410 0 375
Stryker Corporation COM 863667101 525 3,110 SH   SOLE   3,110 0 0
Sun Communities Inc. COM 866674104 1,206 12,323 SH   SOLE   12,323 0 0
SunTrust Banks COM 867914103 9,397 142,334 SH   SOLE   141,494 0 840
Sysco Corp. COM 871829107 442 6,471 SH   SOLE   6,471 0 0
TJX Companies Inc. COM 872540109 11,040 115,989 SH   SOLE   115,689 0 300
Texas Instruments COM 882508104 6,972 63,234 SH   SOLE   63,059 0 175
Thermo Fisher Scientific, Inc. COM 883556102 643 3,104 SH   SOLE   3,104 0 0
Total System Services, Inc. COM 891906109 431 5,100 SH   SOLE   5,100 0 0
U.S. Rare Earth Minerals Inc. COM 903410207 1 25,000 SH   SOLE   25,000 0 0
Union Pacific Corp. COM 907818108 1,053 7,435 SH   SOLE   7,435 0 0
United Technologies COM 913017109 483 3,865 SH   SOLE   3,865 0 0
UnitedHealth Group Inc. COM 91324P102 7,307 29,782 SH   SOLE   29,602 0 180
VIVUS, Inc. COM 928551100 17 24,500 SH   SOLE   24,500 0 0
Verizon Communications COM 92343v104 6,152 122,288 SH   SOLE   120,672 0 1,616
Vulcan Materials Co. COM 929160109 258 2,000 SH   SOLE   2,000 0 0
WP Carey Inc COM 92936U109 1,433 21,600 SH   SOLE   20,650 0 950
Waste Management Inc. COM 94106L109 536 6,588 SH   SOLE   6,588 0 0
Welltower Inc. COM 95040Q104 629 10,030 SH   SOLE   9,180 0 850
PowerShares QQQ Nasdaq 100 UNIT SER 1 46090E103 553 3,221 SH   SOLE   3,221 0 0
ProShares Large Cap Core Plus PSHS LC COR PLUS 74347R248 261 3,860 SH   SOLE   3,860 0 0
SPDR S&P 500 ETF Trust COM 78462F103 209 771 SH   SOLE   771 0 0
Schwab U.S. Large Cap ETF TR UNIT 808524201 219 3,375 SH   SOLE   3,375 0 0
iShares Core S&P MidCap CORE S&P MCP ETF 464287507 439 2,254 SH   SOLE   2,254 0 0
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 1,215 14,555 SH   SOLE   14,555 0 0
iShares Russell 1000 Value Ind RUS 1000 VAL ETF 464287598 498 4,100 SH   SOLE   4,000 0 100
iShares Russell 2000 Index Fun RUSSELL 2000 ETF 464287655 270 1,650 SH   SOLE   1,650 0 0
iShares Russell 2000 Value Ind RUS 2000 VAL ETF 464287630 16,333 123,808 SH   SOLE   123,403 0 405
iShares Russell Midcap Index F RUS MID CAP ETF 464287499 424 2,000 SH   SOLE   2,000 0 0
First Trust Dow Jones Gbl Sele DJ GLBL DIVID 33734X200 576 23,275 SH   SOLE   23,275 0 0
Schwab Emerging Markets Equity EMRG MKTEQ ETF 808524706 283 10,931 SH   SOLE   10,931 0 0
Vanguard Emerging Markets FTSE EMR MKT ETF 922042858 264 6,255 SH   SOLE   6,255 0 0
Vanguard FTSE All-World Ex-US ALLWRLD EX US 922042775 218 4,202 SH   SOLE   4,202 0 0
iShares MSCI EAFE Index Fund MSCI EAFE ETF 464287465 3,155 47,118 SH   SOLE   47,118 0 0
iShares MSCI Emerging Markets MSCI EMG MKT ETF 464287234 614 14,176 SH   SOLE   14,176 0 0
SPDR Gold Trust GOLD SHS 78463v107 373 3,145 SH   SOLE   3,145 0 0
Schwab US Aggregate Bond ETF US AGGREGATE B 808524839 295 5,832 SH   SOLE   5,832 0 0
Vanguard Short-Term Bond Fund SHORT TRM BOND 921937827 558 7,136 SH   SOLE   7,136 0 0
iShares 0-5 Year TIPS Bond ETF 0-5 YR TIPS ETF 46429B747 232 2,330 SH   SOLE   2,330 0 0
iShares Barclays US TIPS Fund TIPS BD ETF 464287176 249 2,210 SH   SOLE   2,210 0 0