.
                                                                               .
                                                                               .

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

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