X0201 42003-10-2000000810958CITIZENS & NORTHERN CORP CZNC.OB0001242482TYLER ANN M278 BLUEBIRD LANECOGAN STATIONPA177281000Common Stock2003-10-202003-10-225J0E926A1019DDividend of 10/20/03 posted to D/R Account on 10/22/03Kathleen M. Osgood for Ann M. Tyler under Power of Attorney dated 4/15/022003-10-30