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EXHIBIT 21
| Jurisdiction or | ||
| Name | State of Incorporation | |
| Citizens & Northern Bank (A) | Pennsylvania | |
| Bucktail Life Insurance Company (A) | Arizona | |
| Citizens & Northern Investment Corporation (A) | Delaware | |
| C&N Financial Services Corporation (B) | Pennsylvania |
| (A) | Wholly-owned subsidiary of Citizens & Northern Corporation |
| (B) | Wholly-owned subsidiary of Citizens & Northern Bank |