Exhibit 99.1


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

FOR IMMEDIATE RELEASE

           JUNIATA VALLEY FINANCIAL CORP. APPOINTS CHIEF FINANCIAL OFFICER

MIFFLINTOWN, PA, August 22, 2005 -- Juniata Valley Financial Corp. (OTC-BB:
JUVF.OB), parent company of The Juniata Valley Bank, announced today the
appointment of JoAnn N. McMinn, of Reedsville, Pa, as its Chief Financial
Officer, effective immediately. Francis J. Evanitsky, President and CEO, had
served as interim CFO since June 10, 2005.

A cum laude graduate of Lock Haven University, Ms. McMinn was previously
Corporate Controller and Director of Investor Relations for Omega Financial
Corporation, a diversified financial service company. She had served as
Corporate Controller since 1988 and as both Corporate Controller and Director of
Investor Relations since 2003. At Omega Financial Corporation, Ms. McMinn's
responsibilities included preparation and coordination of annual reports to
shareholders and SEC filings, managing production of bank and holding company
regulatory reporting and managing the investor relations department. She was
extensively involved with Omega's documentation of internal controls pursuant to
Section 404 of the Sarbanes Oxley Act.

"With her financial and regulatory reporting, accounting and compliance
experience, she is an excellent addition to our team," said Francis J.
Evanitsky, President and CEO. "I'm very excited about this new opportunity and
look forward to the challenges," said Ms. McMinn.

Ms. McMinn graduated from Lock Haven University with a bachelor of science
degree in Mathematics and Computer Science. She did post-graduate study in
Accounting and Business Administration at Pennsylvania State University. She is
a graduate of the Madison, Wisconsin Bank Administration Institute School of
Banking.

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. More information regarding The Juniata Valley Bank can be found
online at www.jvbonline.com.