SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported) September 30, 2004
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CITIZENS & NORTHERN CORPORATION
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(Exact name of registrant as specified in its charter)
Pennsylvania 0-16084 23-2451943
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(State or other jurisdiction (Commission (I.R.S. Employer
of incorporation) File Number) Identification No.)
90-92 Main Street, Wellsboro, PA 16901
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(Address of Principal Executive Office) (Zip Code)
Registrant's telephone number, including area code (570) 724-3411
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N/A
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(Former name or former address, if changed since last report)
ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION
Citizens & Northern Corporation announced the unaudited, consolidated financial
results for Citizens & Northern Corporation and subsidiaries for the three-month
and nine-month periods ended September 30, 2004. On October 12, 2004, Citizens &
Northern Corporation issued a press release titled "C&N Announces September 30,
2004 Unaudited Financial Results," a copy of which is filed as Exhibit 99.1 to
this Current Report on Form 8-K and is incorporated herein by reference. Also on
October 12, 2004, Citizens & Northern Corporation completed its "Quarterly
Report," a report that includes unaudited financial information. The Quarterly
Report will be mailed to shareholders with the quarterly dividend checks to be
issued October 20, 2004. A copy of the Quarterly Report is filed as Exhibit 99.2
to this Current Report on Form 8-K and is incorporated herein by reference.
ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS
(a) Not applicable.
(b) Not applicable.
(c) Exhibits.
Exhibit 99.1: Press Release issued by Citizens & Northern Corporation
dated October 12, 2004, titled "C&N Announces September 30, 2004
Unaudited Financial Results."
Exhibit 99.2: Quarterly Report, which includes unaudited financial
information.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this Current Report on Form 8-K to be signed on its
behalf by the undersigned, thereunto duly authorized.
CITIZENS & NORTHERN CORPORATION
Date: 10/12/04 By: /s/ Craig G. Litchfield
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Chairman, President and Chief Executive Officer