-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 F0JtbmHRRCdNiaovgyBc225qQpIT+69heo4sSXRy267QRczwzy99oqkFhdnTqd/3
 z3xUAQ1/mhEG+AJnHi006Q==

<SEC-DOCUMENT>0001240861-05-000005.txt : 20051110
<SEC-HEADER>0001240861-05-000005.hdr.sgml : 20051110
<ACCEPTANCE-DATETIME>20051110150433
ACCESSION NUMBER:		0001240861-05-000005
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20051110
FILED AS OF DATE:		20051110
DATE AS OF CHANGE:		20051110

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			MCMINN JOANN
		CENTRAL INDEX KEY:			0001242865

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-13232
		FILM NUMBER:		051193491

	BUSINESS ADDRESS:	
		STREET 1:		117 GREENWOOD AVE
		CITY:			YEAGERTOWN
		STATE:			PA
		ZIP:			17099
		BUSINESS PHONE:		7172488034

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			JUNIATA VALLEY FINANCIAL CORP
		CENTRAL INDEX KEY:			0000714712
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				232235254
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		2 SOUTH MAIN ST
		STREET 2:		P O BOX 66
		CITY:			MIFFLINTOWN
		STATE:			PA
		ZIP:			17059-0066
		BUSINESS PHONE:		7174368211

	MAIL ADDRESS:	
		STREET 1:		BRIDGE AND MAIN STREETS
		STREET 2:		P O BOX 66
		CITY:			MIFFLINTOWN
		STATE:			PA
		ZIP:			17059-0066
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2005-11-10</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000714712</issuerCik>
        <issuerName>JUNIATA VALLEY FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>JUVF</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001242865</rptOwnerCik>
            <rptOwnerName>MCMINN JOANN</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1></rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity></rptOwnerCity>
            <rptOwnerState></rptOwnerState>
            <rptOwnerZipCode></rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Chief Financial Officer</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>JoAnn N. McMinn</signatureName>
        <signatureDate>2005-11-10</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----