EXHIBIT 99.1


CONTACT:
Francis J. Evanitsky, President, CEO and CFO
Juniata Valley Financial Corp.
717-436-8211

FOR IMMEDIATE RELEASE

           JUNIATA VALLEY FINANCIAL CORP. RECEIVES NOTICE OF CONTINUED
                 ELIGIBILITY TO BE QUOTED ON OTC BULLETIN BOARD

MIFFLINTOWN, PA, JULY 13, 2005 ---- Juniata Valley Financial Corp., which is
currently quoted on the OTC Bulletin Board under the symbol "JUVFE," has
received written notice from NASDAQ that Juniata Valley has evidenced compliance
with the filing requirements necessary for continued listing on the OTC Bulletin
Board. As a result, the letter "E" will be removed from Juniata Valley's ticker
symbol, thereby changing its symbol back to "JUVF".

Juniata Valley Bank is a $400 million bank and trust company, headquartered in
Mifflintown, Pennsylvania, with 11 community offices located in Juniata,
Mifflin, Perry and Huntingdon Counties. Since 1867, the Bank has served Central
Pennsylvania and beyond with a commitment to customer service and customer
satisfaction. The Bank offers a broad variety of retail and commercial banking
services, including online banking, trust services and the opportunity to obtain
investment products and services through Financial Network Investment
Corporation.

*This document contains "forward looking" information as defined by the Private
Securities Litigation Reform Act of 1995, which is based on Juniata Valley's
current expectations, estimates and projections about future events and
financial trends affecting the financial condition of its business. These
statements are not historical facts or guarantees of future performance, events,
or results. Such statements involve potential risks and uncertainties and,
accordingly, actual performance results may differ materially. Juniata Valley
undertakes no obligation to publicly update or revise forward looking
information, whether as a result of new, updated information, future events, or
otherwise.