Exhibit 99.1

                                 PRESS RELEASE
                            CITIZENS & NORTHERN BANK

                                                   Contact:  Yvonne Gill
July 12, 2005                                                 570-724-0247
                                                              ygill@cnbankpa.com


C&N ANNOUNCES JUNE 30, 2005 UNAUDITED FINANCIAL RESULTS

FOR IMMEDIATE RELEASE:

         Wellsboro, PA - Citizens & Northern Corporation announced the
unaudited, consolidated financial results for Citizens & Northern Corporation
and subsidiaries for the six months ended June 30, 2005, and for the second
quarter 2005, which are highlighted below.

FINANCIAL HIGHLIGHTS FOR THE SIX MONTHS ENDED JUNE 30, 2005:

         o     Net Income was $6,593,000 for the six months ended June 30, 2005,
               down 10.9% from net income of $7,395,000 for the first six months
               of 2004. Net Income Per Share (Basic and Diluted) was $0.80 for
               the six months ended June 30, 2005, as compared to $0.90 (Basic
               and Diluted) for the first six months of 2004.

         o     Return on Average Assets was 1.17% for the first six months of
               2005, as compared to 1.35% for the first six months of 2004.
               Return on Average Equity was 9.96% for the six months ended June
               30, 2005, as compared to 11.52% for the first six months of 2004.

         o     Total assets amounted to $1,133,701,000 as of June 30, 2005, up
               1.3% from total assets of $1,119,139,000 as of June 30, 2004.

         o     Shareholders' Equity/Average Assets Ratio was 11.06% as of June
               30, 2005. This safety and soundness measurement needs to be at a
               minimum of 5% to be considered well capitalized by banking
               regulatory agencies.

         o     Cash Dividends declared by C&N increased by 4.6% for the first
               six months of 2005 over the same period in 2004, to $0.46 per
               share.

         o     Despite a flattening yield curve, net interest income of
               $17,489,000 for the first six months of 2005 was $327,000, or
               1.9%, higher than the first six months of 2004. Net loans
               increased 10.9% as compared to one year earlier, to $604,514,000
               as of June 30, 2005. The increase in loan volume has been the
               major reason for the growth in net interest income over the first
               half of 2005.




         o     Net realized gains from securities amounted to $1,955,000 for the
               six months ended June 30, 2005, up $710,000 from the first six
               months of 2004. The Corporation's volume of investment security
               sales was high by historical standards during the first six
               months of 2005, as management identified several bank stocks that
               were deemed fully valued and also sold selected debt securities
               in an effort to manage its interest rate risk position.

         o     Noninterest expense increased $1,784,000 (14.3%) in the first six
               months of 2005 as compared to the first six months of 2004.
               Furniture and equipment expense increased $574,000, or 79.3%,
               mainly due to depreciation and maintenance costs associated with
               the new core banking software system, which was implemented in
               the fourth quarter 2004. Salaries and wages increased $523,000,
               or 9.7%. The increase in salaries expense is primarily a
               reflection of a greater number of employees, resulting from
               expansion into new branches in Williamsport and South
               Williamsport in 2004, hiring new employees for the Jersey Shore
               and Old Lycoming Township branches expected to open within the
               next six months, and the addition of new employees for support
               functions, such as Risk Management, Finance and Training. Other
               expenses increased $293,000, or 9.1%, including an increase in
               attorney fees of $159,000, mainly related to collection
               activities on a large commercial credit, and an increase of
               $135,000 in expenses associated with maintaining and preparing
               other real estate properties for sale.

FINANCIAL HIGHLIGHTS FOR THE SECOND QUARTER 2005:

         o     Net Income in the second quarter 2005 was $3,298,000, or 3.7%,
               lower than second quarter 2004 Net Income of $3,689,000. Net
               Income for the second quarter 2005 was almost identical to first
               quarter 2005 Net income of $3,295,000. Net Income Per Share
               (Basic and Diluted) was $0.40 in the second quarter 2005, the
               same as the first quarter 2005, but down from $0.45 (Basic and
               Diluted) in the second quarter 2004.

         o     Cash Dividends declared by C&N increased to $0.23 per share for
               the second quarter 2005 from $0.22 per share for the second
               quarter 2004.

         C&N, founded in 1864, is a local, independent community bank providing
complete financial, investment and insurance services through 19 full service
offices throughout Tioga, Bradford, Sullivan and Lycoming counties. Citizens &
Northern Bank is a wholly-owned subsidiary of Citizens & Northern Corporation,
which has assets in excess of $1 billion. C&N can be found on the worldwide web
at www.cnbankpa.com. The Company's stock trades on the NASDAQ SmallCap Market
under the symbol CZNC.