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) September 30, 2005
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                         CITIZENS & NORTHERN CORPORATION
             (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
                                       ---
          (Former name or former address, if changed since last report)





ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION

Citizens & Northern Corporation announced the unaudited, consolidated financial
results for Citizens & Northern Corporation and subsidiaries for the nine-month
and three-month periods ended September 30, 2005. On October 14, 2005, Citizens
& Northern Corporation issued a press release titled "C&N Announces September
30, 2005 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, Citizens & Northern Corporation's "Quarterly Report," a report that
includes unaudited financial information, will be mailed to shareholders on or
about October 20, 2005. 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.

ITEM 9.01.  FINANCIAL STATEMENTS AND EXHIBITS

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

         Exhibit 99.1: Press Release issued by Citizens & Northern Corporation
         dated October 14, 2005, titled "C&N Announces September 30, 2005
         Unaudited Financial Results."

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










                                   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:  10/14/05                       By: /s/ Craig G. Litchfield
                                          -----------------------
                                 Chairman, President and Chief Executive Officer