SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

     PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

         Date of Report (Date of earliest event reported) June 30, 2003
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                         CITIZENS & NORTHERN CORPORATION
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             (Exact name of registrant as specified in its charter)

         Pennsylvania                       0-16084              23-2451943
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(State or other jurisdiction of            (Commission         (I.R.S. Employer
incorporation)                             File Number)      Identification No.)

90-92 Main Street, Wellsboro, PA                            16901
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(Address of Principal Executive Office)                  (Zip Code)


Registrant's telephone number, including area code   (570) 724-3411
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                                       N/A
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          (Former name or former address, if changed since last report)





ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.

(a)  Not applicable.
(b)  Not applicable.
(c)  Exhibits.

         Exhibit 99.1: Press Release issued by Citizens & Northern Corporation
         dated July 10, 2003, titled "C&N Announces June 30, 2003 Unaudited
         Financial Results."

         Exhibit 99.2: Quarterly Report, which includes unaudited financial
information.

ITEM 9. REGULATION FD DISCLOSURE (INFORMATION PROVIDED PURSUANT TO ITEM 12,
DISCLOSURE OF RESULTS OF OPERATIONS AND FINANCIAL CONDITION).

Craig G. Litchfield, chairman, president and chief executive officer, recently
announced the unaudited, consolidated financial results for Citizens & Northern
Corporation and subsidiaries for the six months ended June 30, 2003, and for
second quarter 2003. On July 10, 2003, Citizens & Northern Corporation issued a
press release titled "C&N Announces June 30, 2003 Unaudited Financial Results,"
a copy of which is filed as Exhibit 99.1 to this Current Report on Form 8-K and
is incorporated herein by reference. Also on July 10, 2003, Citizens & Northern
Corporation completed its "Quarterly Report," a report that includes unaudited
financial information. The Quarterly Report will be mailed to shareholders with
the quarterly dividend checks to be issued July 17, 2003. A copy of the
Quarterly Report is filed as Exhibit 99.2 to this Current Report on Form 8-K and
is incorporated herein by reference.









                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this Current Report on Form 8-K to be signed on its
behalf by the undersigned, thereunto duly authorized.


                            CITIZENS & NORTHERN CORPORATION

Date:  7/10/03                   /s/ Craig G. Litchfield
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                            By: Craig G. Litchfield
                                Chairman, President and Chief Executive Officer