Citizens & Northern Bank has 26 convenient full service offices in Pennsylvania and New York. Citizens & Northern Bank has been a local, independent community bank since 1864. From the very beginning, C&N has been committed to the businesses and families in our local communities. C&N has been instrumental in helping those communities thrive by providing needed funding for growth and contributing to local charities which share C&N's mission to enhance the lives of our neighbors in the communities we serve. Citizens & Northern Bank was formed October 1, 1971 following the consolidation of Northern National Bank of Wellsboro and Citizens National Bank of Towanda. Northern National Bank, organized in 1864 as the First National Bank of Wellsborough, was the 328th national bank chartered under the laws of the United States.