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: 06-30-2022
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 , PA16901
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 08-04-2022
[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: 101
Form 13F Information Table Value Total: 229,476
(thousands)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name
028-14473 Citizens & Northern Bank

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 13F-HR

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 3,041 27,991 SH DFND 1 27,991 0 0
Accenture PLC SHS CLASS A G1151C101 305 1,098 SH DFND 1 1,098 0 0
Adobe Systems Inc COM 00724F101 952 2,601 SH DFND 1 2,601 0 0
Alphabet Inc Class C CAP STK CL C 02079K107 6,573 3,005 SH DFND 1 3,005 0 0
Amazon Communications Inc COM 023135106 3,875 36,484 SH DFND 1 36,484 0 0
American Tower REIT Inc COM 03027X100 2,447 9,574 SH DFND 1 9,574 0 0
Amerisourcebergen Corp COM 03073E105 941 6,650 SH DFND 1 6,650 0 0
Analog Devices Inc COM 032654105 1,330 9,105 SH DFND 1 9,105 0 0
Apple Computer Inc COM 037833100 8,646 63,238 SH DFND 1 63,238 0 0
AT&T Inc COM 00206R102 383 18,271 SH DFND 1 18,271 0 0
Berkshire Hathaway Inc Class B New CL B NEW 084670702 314 1,150 SH DFND 1 1,150 0 0
Biogen Idec Inc COM 09062X103 953 4,674 SH DFND 1 4,674 0 0
Blackrock, Inc. COM 09247X101 627 1,029 SH DFND 1 1,029 0 0
Blackstone Inc COM 09260D107 912 10,000 SH DFND 1 10,000 0 0
Boeing Co COM 097023105 358 2,617 SH DFND 1 2,617 0 0
Bristol Myers Squibb Co COM 110122108 1,615 20,973 SH DFND 1 20,973 0 0
CDW Corporation COM 12514G108 1,005 6,379 SH DFND 1 6,379 0 0
Chevron Corp COM 166764100 1,239 8,560 SH DFND 1 8,560 0 0
Chipotle Mexican Grill Inc Corp Common COM 169656105 1,825 1,396 SH DFND 1 1,396 0 0
Cisco Systems Inc COM 17275R102 953 22,349 SH DFND 1 22,349 0 0
Citigroup Inc Common New COM NEW 172967424 554 12,041 SH DFND 1 12,041 0 0
Citizens & Northern Corp COM 172922106 7,902 326,922 SH DFND 1 326,922 0 0
Citizens Financial Services Inc COM 174615104 6,068 86,687 SH DFND 1 86,687 0 0
CME Group Inc COM 12572Q105 297 1,453 SH DFND 1 1,453 0 0
Coca Cola Co COM 191216100 1,554 24,698 SH DFND 1 24,698 0 0
Comcast Corp Class A CL A 20030N101 1,884 48,009 SH DFND 1 48,009 0 0
Communication Services Select Sector SPDR ETF COMMUNICATION 81369Y852 402 7,405 SH DFND 1 7,405 0 0
Community Bank System, Inc COM 203607106 330 5,216 SH DFND 1 5,216 0 0
Corning Inc COM 219350105 696 22,093 SH DFND 1 22,093 0 0
Costco Wholesale Corp (New) COM 22160K105 2,872 5,992 SH DFND 1 5,992 0 0
CVS Health Corporation COM 126650100 2,786 30,070 SH DFND 1 30,070 0 0
Danaher Corp COM 235851102 236 929 SH DFND 1 929 0 0
Deere & Co COM 244199105 1,481 4,947 SH DFND 1 4,947 0 0
Disney Walt Co COM 254687106 541 5,728 SH DFND 1 5,728 0 0
DuPont de Nemours Inc COM 26614N102 635 11,425 SH DFND 1 11,425 0 0
Eli Lilly & Co COM 532457108 216 665 SH DFND 1 665 0 0
EOG Resources, Inc. COM 26875P101 1,304 11,806 SH DFND 1 11,806 0 0
Exxon Mobil Corp COM 30231G102 2,534 29,587 SH DFND 1 29,587 0 0
Fidelity MSCI Real Estate Index ETF MSCI RL EST ETF 316092857 14,584 536,949 SH DFND 1 536,949 0 0
Financials Select Sector SPDR FINANCIAL 81369Y605 356 11,324 SH DFND 1 11,324 0 0
FlexShares Core Select Bond Fund ETF CRE SLCT BD FD 33939L670 226 9,825 SH DFND 1 9,825 0 0
Flexshares Morningstar Global Upstream Nat Res Index ETF MORNSTAR UPSTR 33939L407 20,013 504,479 SH DFND 1 504,479 0 0
Freeport-McMoran, Inc. CL B 35671D857 584 19,976 SH DFND 1 19,976 0 0
General Dynamics Corp COM 369550108 1,769 7,995 SH DFND 1 7,995 0 0
Halliburton Co COM 406216101 1,191 37,981 SH DFND 1 37,981 0 0
Home Depot Inc COM 437076102 1,800 6,562 SH DFND 1 6,562 0 0
Honeywell Intl Inc COM 438516106 1,648 9,479 SH DFND 1 9,479 0 0
Illinois Tool Works Inc COM 452308109 263 1,442 SH DFND 1 1,442 0 0
Intel Corp COM 458140100 872 23,309 SH DFND 1 23,309 0 0
Intercontinental Exchange Inc Common COM 45866F104 1,633 17,369 SH DFND 1 17,369 0 0
International Business Machines COM 459200101 1,405 9,949 SH DFND 1 9,949 0 0
Invesco KBW Bank ETF KBW BK ETF 46138E628 229 4,428 SH DFND 1 4,428 0 0
iShares Barclays MBS Bond Fund ETF MBS ETF 464288588 1,812 18,589 SH DFND 1 18,589 0 0
iShares Barclays TIPS Bond Fund TIPS BD ETF 464287176 221 1,940 SH DFND 1 1,940 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 309 815 SH DFND 1 815 0 0
iShares Dow Jones U.S. Aerospace and Defense Index Fund ETF US AER DEF ETF 464288760 283 2,851 SH DFND 1 2,851 0 0
iShares iBoxx $ High Yield Corp Bond ETF IBOXX HI YD ETF 464288513 567 7,708 SH DFND 1 7,708 0 0
iShares JPMorgan USD Emerging Markets Bond ETF JPMORGAN USD EMG 464288281 10,609 124,349 SH DFND 1 124,349 0 0
iShares MSCI EAFE Small Cap Index ETF EAFE SML CP ETF 464288273 1,359 24,897 SH DFND 1 24,897 0 0
iShares PHLX Semiconductor ETF ISHARES SEMICDTR 464287523 359 1,027 SH DFND 1 1,027 0 0
iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 457 3,153 SH DFND 1 3,153 0 0
iShares S&P MidCap 400 Index Fd CORE S&P MCP ETF 464287507 9,050 40,002 SH DFND 1 40,002 0 0
iShares Trust Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 755 3,450 SH DFND 1 3,450 0 0
Johnson & Johnson COM 478160104 1,951 10,993 SH DFND 1 10,993 0 0
JPMorgan Chase & Co COM 46625H100 3,329 29,565 SH DFND 1 29,565 0 0
Lauder (Estee) Cos Inc Class A CL A 518439104 1,931 7,584 SH DFND 1 7,584 0 0
Marsh & McLennan Cos Inc COM 571748102 998 6,427 SH DFND 1 6,427 0 0
Masco Corp COM 574599106 1,130 22,327 SH DFND 1 22,327 0 0
Mastercard Inc Class A CL A 57636Q104 3,180 10,081 SH DFND 1 10,081 0 0
McDonalds Corp COM 580135101 1,650 6,683 SH DFND 1 6,683 0 0
Meta Platforms Inc CL A 30303M102 2,051 12,718 SH DFND 1 12,718 0 0
Microsoft Corp COM 594918104 8,486 33,043 SH DFND 1 33,043 0 0
Mondelez Intl Inc Class A CL A 609207105 2,006 32,302 SH DFND 1 32,302 0 0
National Fuel Gas Co N J COM 636180101 245 3,702 SH DFND 1 3,702 0 0
Nextera Energy Inc COM 65339F101 1,497 19,327 SH DFND 1 19,327 0 0
Nike, Inc. Class B CL B 654106103 2,252 22,036 SH DFND 1 22,036 0 0
Norfolk Southern Corp COM 655844108 1,667 7,334 SH DFND 1 7,334 0 0
Nvidia Corp COM 67066G104 2,185 14,411 SH DFND 1 14,411 0 0
Oracle Corp COM 68389X105 259 3,709 SH DFND 1 3,709 0 0
Palo Alto Networks Inc Common COM 697435105 1,719 3,481 SH DFND 1 3,481 0 0
Pfizer Inc COM 717081103 2,118 40,405 SH DFND 1 40,405 0 0
Procter & Gamble Co COM 742718109 2,515 17,488 SH DFND 1 17,488 0 0
Roper Industries Inc New COM 776696106 440 1,115 SH DFND 1 1,115 0 0
Salesforce, Inc. COM 79466L302 1,902 11,523 SH DFND 1 11,523 0 0
Schlumberger Ltd COM STK 806857108 909 25,421 SH DFND 1 25,421 0 0
SPDR Dow Jones Industrial Average ETF Trust UT SER 1 78467X109 783 2,543 SH DFND 1 2,543 0 0
SPDR Portfolio Long Term Treasury ETF PORTFOLIO LN TSR 78464A664 1,183 35,786 SH DFND 1 35,786 0 0
SPDR S&P 500 ETF Trust TR UNIT 78462F103 1,171 3,105 SH DFND 1 3,105 0 0
SYSCO Corp COM 871829107 234 2,763 SH DFND 1 2,763 0 0
Target Corp COM 87612E106 220 1,557 SH DFND 1 1,557 0 0
Tjx Companies (New) COM 872540109 1,016 18,192 SH DFND 1 18,192 0 0
Trevena Inc. COM 89532E109 7 16,000 SH DFND 1 16,000 0 0
Truist Financial Corporation COM 89832Q109 1,618 34,112 SH DFND 1 34,112 0 0
Union Pacific Corp COM 907818108 1,076 5,044 SH DFND 1 5,044 0 0
Unitedhealth Group, Inc. COM 91324P102 382 744 SH DFND 1 744 0 0
Vanguard Dividend Appreciation Index ETF DIV APP ETF 921908844 542 3,775 SH DFND 1 3,775 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 29,285 520,337 SH DFND 1 520,337 0 0
Vanguard Total International Bond Index Fund ETF TOTAL INT BD ETF 92203J407 1,325 26,750 SH DFND 1 26,750 0 0
Verizon Communications COM 92343V104 791 15,585 SH DFND 1 15,585 0 0
W W Grainger Inc COM 384802104 1,075 2,366 SH DFND 1 2,366 0 0
Zimmer Biomet Holdings, Inc. COM 98956P102 1,408 13,400 SH DFND 1 13,400 0 0