CITIZENS & NORTHERN CORPORATION - FORM 10 - Q

EXHIBIT 99.1

                                  CERTIFICATION
                       PURSUANT TO 18 U.S.C. SECTION 1350
                    AS ADOPTED PURSUANT TO SECTION 906 OF THE
                           SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Citizens & Northern Corporation (the
Corporation) on Form 10-Q for the nine month period ended September 30, 2002, as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), the undersigned hereby certify, pursuant to 18 U.S.C. section 1350,
as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002, that to
each of the undersigned's best knowledge and belief:

         (a) the Report fully complies with the requirements of section 13(a) or
         15(d) of the Securities Exchange Act of 1934; and

         (b) the information contained in the Report fairly presents, in all
         material respects, the financial condition and results of operations of
         the Corporation.

                                 CITIZENS & NORTHERN CORPORATION

November 13, 2002            By: Craig G. Litchfield /s/
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Date                             Chairman, President and Chief Executive Officer

November 13, 2002            By: Mark A. Hughes /s/
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Date                             Treasurer and Chief Financial Officer

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