
<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<CIK> 0000810958
<NAME> CITIZENS & NORTHERN
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          16,679
<INT-BEARING-DEPOSITS>                             601
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    295,777
<INVESTMENTS-CARRYING>                           1,630
<INVESTMENTS-MARKET>                             1,636
<LOANS>                                        284,835
<ALLOWANCE>                                      4,809
<TOTAL-ASSETS>                                 606,904
<DEPOSITS>                                     439,061
<SHORT-TERM>                                    53,800
<LIABILITIES-OTHER>                              6,889
<LONG-TERM>                                     30,669
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,168
<OTHER-SE>                                      71,317
<TOTAL-LIABILITIES-AND-EQUITY>                 606,904
<INTEREST-LOAN>                                 14,323
<INTEREST-INVEST>                                9,338
<INTEREST-OTHER>                                    19
<INTEREST-TOTAL>                                23,804
<INTEREST-DEPOSIT>                               8,973
<INTEREST-EXPENSE>                              11,583
<INTEREST-INCOME-NET>                           12,221
<LOAN-LOSSES>                                      362
<SECURITIES-GAINS>                                 807
<EXPENSE-OTHER>                                  7,552
<INCOME-PRETAX>                                  6,891
<INCOME-PRE-EXTRAORDINARY>                       6,891
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,247
<EPS-PRIMARY>                                     1.04
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    8.30
<LOANS-NON>                                      1,055
<LOANS-PAST>                                     2,501
<LOANS-TROUBLED>                                   185
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,776
<CHARGE-OFFS>                                      380
<RECOVERIES>                                        51
<ALLOWANCE-CLOSE>                                4,809
<ALLOWANCE-DOMESTIC>                             1,209
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,600
        

</TABLE>
