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FOR IMMEDIATE RELEASE - March 8, 2017

WELLSBORO, PA – On Wednesday, March 1, the team from Citizens & Northern Bank cut the ceremonial red ribbon, signifying that its new loan production office is open for business. Although the representative office will not operate as a branch, which means it does not accept deposits or execute banking transactions, it is an important enhancement of Citizens & Northern’s engagement in the Elmira market.

“We’ve had the pleasure of doing business in this market for years and now this office allows us to have a physical presence in the heart of downtown Elmira, where we believe great things will continue to happen. We want to be a big part of it,” said Brad Scovill, President & CEO. He also made it clear that C&N brings a unique banking model to the area. He said, “Everyone at C&N shares the same vision and set of core values, which allows us to focus on what’s really important: creating value for our clients and our communities by building lifelong, trusted relationships.”

Tammy Pabis, Vice President & Senior Loan Sales Officer, will lead the office with the support of Sandra VanOrder, Loan Support Specialist. Both held similar positions at Elmira Savings Bank prior to joining C&N. “For over twenty years, I have worked hard in this market to develop long-term relationships. I am eager to build upon those existing relationships and create new ones with the support of a financial institution that has the resources and culture of building lifelong, trusted partnerships”.

Plans for the office include adding a Mortgage Specialist, whose primary focus will be providing local expertise to consumers interested in upgrading, downsizing or making the most of their current home.

Connect with Tammy Pabis at (607) 590-5288 or TammyPabis@cnbankpa.com to learn more about C&N’s new loan production office and how her team plans to create value for Elmira, NY.

Citizens & Northern Bank is a local, independent community bank providing complete financial, investment and insurance services through 26 full service offices located throughout Cameron, Potter, McKean, Tioga, Bradford, Sullivan and Lycoming counties in Pennsylvania and Steuben County, NY and lending services through one loan production office located in Chemung County, NY. C&N can be found on the worldwide web at www.cnbankpa.com. The Company’s stock is listed on NASDAQ Capital Market Securities under the symbol CZNC.

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