<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>4
<FILENAME>l12593aexv21.txt
<DESCRIPTION>EXHIBIT 21
<TEXT>
<PAGE>
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EXHIBIT 21

<TABLE>
<CAPTION>
                                                       Jurisdiction or
                    Name                            State of Incorporation
                    ----                            ----------------------
<S>                                                 <C>
Citizens & Northern Bank (A)                             Pennsylvania

Bucktail Life Insurance Company (A)                      Arizona

Citizens & Northern Investment Corporation (A)           Delaware

C&N Financial Services Corporation (B)                   Pennsylvania
</TABLE>

(A) Wholly-owned subsidiary of Citizens & Northern Corporation

(B) Wholly-owned subsidiary of Citizens & Northern Bank

                                       83
</TEXT>
</DOCUMENT>