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) March 27, 2003
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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 of       (Commission            (I.R.S. Employer
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
                                       ---
          (Former name or former address, if changed since last report)






ITEM 5.  OTHER EVENTS AND REGULATION FD DISCLOSURE.

Craig G. Litchfield, chairman, president and chief executive officer, announced
that the Board of Directors has declared a 3-for-2 stock split of Citizens &
Northern Corporation common stock, as well as a quarterly dividend of 21 cents
per share for the first quarter 2003. The cash dividend will be paid based on
shares of common stock outstanding, after the effect of the 3-for-2 split. The
3-for-2 stock split and cash dividend were declared March 27, 2003, payable
April 21, 2003 for shareholders of record as of April 7, 2003.

On March 27, 2003, Citizens & Northern Corporation issued a press release titled
"Citizens & Northern Declares Three-for-Two Stock Split and Cash Dividend to
Shareholders," a copy of which is filed as an exhibit to this Current Report on
Form 8-K.

ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.

(a)  Not applicable.
(b)  Not applicable.
(c)  Exhibits.

         Exhibit 99: Press Release issued by Citizens & Northern Corporation
         dated March 27, 2003 titled "Citizens & Northern Declares Three-for-Two
         Stock Split and Cash Dividend to Shareholders."

                                   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:  3/27/03            /s/ Craig G. Litchfield
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                         By: Craig G. Litchfield
                             Chairman, President and Chief Executive Officer