The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F COVER PAGE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 06-30-2024
Check here if Amendment    Amendment Number:
This Amendment (Check only one.):    is a restatement.
   adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: CITIZENS & NORTHERN CORP
Address: 90-92 Main St
Wellsboro, PA  16901
Form 13F File Number: 028-14195

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:
Name: Mark A. Hughes
Title: Executive Vice President and Chief Financial Officer
Phone: 570-724-3411
Signature, Place, and Date of Signing:
/s/ Mark A. Hughes Wellsboro,  PA 07-30-2024
[Signature] [City, State] [Date]
Report Type (Check only one.):
X 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
   13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
   13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)
Form 13F Summary Page
Report Summary:
Number of Other Included Managers: 1
Form 13F Information Table Entry Total: 118
Form 13F Information Table Value Total: 319,738,253
(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
No. Form 13F File Number Name
1 028-14473 Citizens & Northern Bank
SEC FORM 13-F Information Table

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Labs COM 002824100 2,078,927 20,007 SH   DFND 1 20,007 0 0
Adobe Systems Inc COM 00724F101 1,939,390 3,491 SH   DFND 1 3,491 0 0
Alphabet Inc Class C CAP STK CL C 02079K107 8,965,753 48,881 SH   DFND 1 48,881 0 0
Amazon Communications Inc COM 023135106 6,252,990 32,357 SH   DFND 1 32,357 0 0
American Tower REIT Inc COM 03027X100 1,667,003 8,576 SH   DFND 1 8,576 0 0
Analog Devices Inc COM 032654105 1,903,460 8,339 SH   DFND 1 8,339 0 0
Apple Computer Inc COM 037833100 11,369,268 53,980 SH   DFND 1 53,980 0 0
AT&T Inc COM 00206R102 1,085,639 56,810 SH   DFND 1 56,810 0 0
Avantis Emerging Markets Equity ETF AVANTIS EMGMKT 025072604 367,945 6,023 SH   DFND 1 6,023 0 0
Avantis International Equity ETF INTL EQT ETF 025072703 1,948,178 31,291 SH   DFND 1 31,291 0 0
Avantis Real Estate ETF REAL ESTATE ETF 025072356 1,351,068 32,777 SH   DFND 1 32,777 0 0
Avantis US Equity ETF US EQT ETF 025072885 1,066,316 11,823 SH   DFND 1 11,823 0 0
Bath & Body Works COM 070830104 1,150,608 29,465 SH   DFND 1 29,465 0 0
Becton, Dickinson & Co. COM 075887109 1,054,266 4,511 SH   DFND 1 4,511 0 0
Berkshire Hathaway Inc Class B New CL B NEW 084670702 492,228 1,210 SH   DFND 1 1,210 0 0
Biogen Idec Inc COM 09062X103 1,008,881 4,352 SH   DFND 1 4,352 0 0
Blackrock, Inc. COM 09247X101 1,031,389 1,310 SH   DFND 1 1,310 0 0
Blackstone Inc COM 09260D107 1,435,337 11,594 SH   DFND 1 11,594 0 0
Boeing Co COM 097023105 1,013,432 5,568 SH   DFND 1 5,568 0 0
Bristol Myers Squibb Co COM 110122108 742,598 17,881 SH   DFND 1 17,881 0 0
Caterpillar Inc COM 149123101 308,118 925 SH   DFND 1 925 0 0
CDW Corporation COM 12514G108 1,303,644 5,824 SH   DFND 1 5,824 0 0
Cencora, Inc. COM 03073E105 1,461,071 6,485 SH   DFND 1 6,485 0 0
Charles Schwab Corp COM 808513105 993,341 13,480 SH   DFND 1 13,480 0 0
Chevron Corp COM 166764100 1,151,564 7,362 SH   DFND 1 7,362 0 0
Chipotle Mexican Grill Inc Corp Common COM 169656105 3,180,365 50,764 SH   DFND 1 50,764 0 0
Cisco Systems Inc COM 17275R102 1,453,046 30,584 SH   DFND 1 30,584 0 0
Citizens & Northern Corp COM 172922106 5,892,863 329,394 SH   DFND 1 329,394 0 0
Citizens Financial Services Inc COM 174615104 3,970,269 88,346 SH   DFND 1 88,346 0 0
CME Group Inc COM 12572Q105 219,995 1,119 SH   DFND 1 1,119 0 0
Coca Cola Co COM 191216100 1,399,473 21,987 SH   DFND 1 21,987 0 0
Comcast Corp Class A CL A 20030N101 1,666,610 42,559 SH   DFND 1 42,559 0 0
Community Financial System, Inc COM 203607106 397,839 8,427 SH   DFND 1 8,427 0 0
Corning Inc COM 219350105 781,895 20,126 SH   DFND 1 20,126 0 0
Costco Wholesale Corp (New) COM 22160K105 4,404,648 5,182 SH   DFND 1 5,182 0 0
CVS Health Corporation COM 126650100 1,540,994 26,092 SH   DFND 1 26,092 0 0
DBX Xtrackers Low Beta High Yield Bond ETF XTRACKERS LOW 233051267 1,330,352 28,875 SH   DFND 1 28,875 0 0
Deere & Co COM 244199105 331,036 886 SH   DFND 1 886 0 0
DFA Dimensional Emerging Markets Core Equity 2 ETF EMERGING MKTS CO 25434V732 206,783 7,736 SH   DFND 1 7,736 0 0
DFA Dimensional International Core Equity 2 ETF INTL CORE EQUITY 25434V799 243,735 9,271 SH   DFND 1 9,271 0 0
Dimensional U.S. Core Equity 2 ETF US CORE EQUITY 2 25434V708 4,770,843 147,979 SH   DFND 1 147,979 0 0
Disney Walt Co COM 254687106 1,043,339 10,508 SH   DFND 1 10,508 0 0
DuPont de Nemours Inc COM 26614N102 826,632 10,270 SH   DFND 1 10,270 0 0
Eli Lilly & Co COM 532457108 251,696 278 SH   DFND 1 278 0 0
EOG Resources, Inc. COM 26875P101 1,065,741 8,467 SH   DFND 1 8,467 0 0
Exxon Mobil Corp COM 30231G102 3,224,972 28,014 SH   DFND 1 28,014 0 0
Fidelity MSCI Real Estate Index ETF MSCI RL EST ETF 316092857 19,372,759 764,513 SH   DFND 1 764,513 0 0
Fidelity Quality Factor ETF QLTY FCTOR ETF 316092790 2,185,383 35,639 SH   DFND 1 35,639 0 0
FlexShares Core Select Bond Fund ETF CRE SLCT BD FD 33939L670 240,145 10,965 SH   DFND 1 10,965 0 0
Flexshares Morningstar Global Upstream Nat Res Index ETF MORNSTAR UPSTR 33939L407 20,016,172 498,659 SH   DFND 1 498,659 0 0
FlexShares STOXX US ESG Select Index ETF STOX US ESG SLCT 33939L696 323,291 2,520 SH   DFND 1 2,520 0 0
Freeport-McMoran, Inc. CL B 35671D857 837,864 17,240 SH   DFND 1 17,240 0 0
General Dynamics Corp COM 369550108 2,018,794 6,958 SH   DFND 1 6,958 0 0
GSK PLC ADR SPONSORED ADR 37733W204 1,416,223 36,785 SH   DFND 1 36,785 0 0
Halliburton Co COM 406216101 849,432 25,146 SH   DFND 1 25,146 0 0
Home Depot Inc COM 437076102 2,135,665 6,204 SH   DFND 1 6,204 0 0
Honeywell Intl Inc COM 438516106 1,761,064 8,247 SH   DFND 1 8,247 0 0
Illinois Tool Works Inc COM 452308109 341,696 1,442 SH   DFND 1 1,442 0 0
Intercontinental Exchange Inc Common COM 45866F104 1,359,455 9,931 SH   DFND 1 9,931 0 0
International Business Machines COM 459200101 2,293,490 13,261 SH   DFND 1 13,261 0 0
iShares Barclays MBS Bond Fund ETF MBS ETF 464288588 2,537,445 27,638 SH   DFND 1 27,638 0 0
iShares Barclays TIPS Bond Fund TIPS BD ETF 464287176 378,428 3,544 SH   DFND 1 3,544 0 0
iShares Core MSCI Total International Stock ETF CORE MSCI TOTAL 46432F834 4,520,372 66,909 SH   DFND 1 66,909 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 265,407 485 SH   DFND 1 485 0 0
iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226 1,600,005 16,483 SH   DFND 1 16,483 0 0
iShares iBoxx $ High Yield Corp Bond ETF IBOXX HI YD ETF 464288513 592,898 7,686 SH   DFND 1 7,686 0 0
iShares JPMorgan USD Emerging Markets Bond ETF JPMORGAN USD EMG 464288281 9,128,305 103,168 SH   DFND 1 103,168 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 517,652 2,967 SH   DFND 1 2,967 0 0
iShares S&P MidCap 400 Index Fd CORE S&P MCP ETF 464287507 12,720,785 217,375 SH   DFND 1 217,375 0 0
iShares Short-Term National Muni Bond ETF SHRT NAT MUN ETF 464288158 971,897 9,296 SH   DFND 1 9,296 0 0
iShares Trust Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 919,294 2,522 SH   DFND 1 2,522 0 0
Johnson & Johnson COM 478160104 275,365 1,884 SH   DFND 1 1,884 0 0
JPMorgan Chase & Co COM 46625H100 4,644,699 22,964 SH   DFND 1 22,964 0 0
Lauder (Estee) Cos Inc Class A CL A 518439104 749,588 7,045 SH   DFND 1 7,045 0 0
Lowes Cos Inc COM 548661107 248,238 1,126 SH   DFND 1 1,126 0 0
Marsh & McLennan Cos Inc COM 571748102 1,510,862 7,170 SH   DFND 1 7,170 0 0
Masco Corp COM 574599106 1,250,529 18,757 SH   DFND 1 18,757 0 0
Mastercard Inc Class A CL A 57636Q104 3,449,430 7,819 SH   DFND 1 7,819 0 0
McDonalds Corp COM 580135101 1,305,800 5,124 SH   DFND 1 5,124 0 0
Meta Platforms Inc CL A 30303M102 4,776,980 9,474 SH   DFND 1 9,474 0 0
Microchip Technology Inc COM 595017104 1,170,377 12,791 SH   DFND 1 12,791 0 0
Microsoft Corp COM 594918104 13,411,182 30,006 SH   DFND 1 30,006 0 0
Mondelez Intl Inc Class A CL A 609207105 1,890,758 28,893 SH   DFND 1 28,893 0 0
National Fuel Gas Co N J COM 636180101 212,587 3,923 SH   DFND 1 3,923 0 0
Nextera Energy Inc COM 65339F101 1,191,237 16,823 SH   DFND 1 16,823 0 0
Nike, Inc. Class B CL B 654106103 1,395,023 18,509 SH   DFND 1 18,509 0 0
Norfolk Southern Corp COM 655844108 1,819,498 8,475 SH   DFND 1 8,475 0 0
Nvidia Corp COM 67066G104 10,646,801 86,181 SH   DFND 1 86,181 0 0
Oracle Corp COM 68389X105 2,401,247 17,006 SH   DFND 1 17,006 0 0
Palo Alto Networks Inc Common COM 697435105 1,697,423 5,007 SH   DFND 1 5,007 0 0
Paypal Holdings, Inc. COM 70450Y103 710,345 12,241 SH   DFND 1 12,241 0 0
Pfizer Inc COM 717081103 885,595 31,651 SH   DFND 1 31,651 0 0
Procter & Gamble Co COM 742718109 2,931,948 17,778 SH   DFND 1 17,778 0 0
Rockwell Automation Inc Common COM 773903109 220,224 800 SH   DFND 1 800 0 0
Roper Industries Inc New COM 776696106 628,481 1,115 SH   DFND 1 1,115 0 0
Salesforce, Inc. COM 79466L302 2,100,250 8,169 SH   DFND 1 8,169 0 0
Schlumberger Ltd COM STK 806857108 1,537,077 32,579 SH   DFND 1 32,579 0 0
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 2,657,448 34,175 SH   DFND 1 34,175 0 0
SPDR Dow Jones Industrial Average ETF Trust UT SER 1 78467X109 994,644 2,543 SH   DFND 1 2,543 0 0
SPDR Nuveen Bloomberg Barclays ST Muni Bond ETF NUVEEN BLMBRG SH 78468R739 270,493 5,732 SH   DFND 1 5,732 0 0
SPDR Portfolio Long Term Treasury ETF PORTFOLIO LN TSR 78464A664 865,678 31,803 SH   DFND 1 31,803 0 0
SPDR Portfolio S&P 400 Mid Cap ETF PORTFOLIO S&P400 78464A847 14,245,805 277,696 SH   DFND 1 277,696 0 0
SPDR Portfolio Small Cap ETF PORTFOLIO S&P600 78468R853 1,969,809 47,431 SH   DFND 1 47,431 0 0
SPDR S&P 500 ETF Trust TR UNIT 78462F103 1,572,252 2,889 SH   DFND 1 2,889 0 0
Tjx Companies (New) COM 872540109 1,773,601 16,109 SH   DFND 1 16,109 0 0
Truist Financial Corporation COM 89832Q109 1,577,543 40,606 SH   DFND 1 40,606 0 0
Union Pacific Corp COM 907818108 1,141,255 5,044 SH   DFND 1 5,044 0 0
Unitedhealth Group, Inc. COM 91324P102 366,158 719 SH   DFND 1 719 0 0
Vanguard Dividend Appreciation Index ETF DIV APP ETF 921908844 751,741 4,118 SH   DFND 1 4,118 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 35,084,846 373,999 SH   DFND 1 373,999 0 0
Vanguard Russell 1000 Index ETF VNG RUS1000IDX 92206C730 7,353,556 29,884 SH   DFND 1 29,884 0 0
Vanguard Tax-Exempt Bond Index ETF TAX EXEMPT BD 922907746 227,800 4,546 SH   DFND 1 4,546 0 0
Vanguard Total International Bond Index Fund ETF TOTAL INT BD ETF 92203J407 1,044,410 21,459 SH   DFND 1 21,459 0 0
Vanguard Total World Stock Index Fund ETF TT WRLD ST ETF 922042742 225,260 2,000 SH   DFND 1 2,000 0 0
Verizon Communications COM 92343V104 548,533 13,301 SH   DFND 1 13,301 0 0
Vesper US Large Cap Short-Term ETF VSPR US LC ETF 301505749 725,008 27,583 SH   DFND 1 27,583 0 0
W W Grainger Inc COM 384802104 1,338,924 1,484 SH   DFND 1 1,484 0 0
Zimmer Biomet Holdings, Inc. COM 98956P102 1,292,484 11,909 SH   DFND 1 11,909 0 0