0000950152-02-008479 10-Q 2 20020930 20021114 CITIZENS & NORTHERN CORP 0000810958 6022 232451943 PA 1231 10-Q 34 000-16084 02822260 THOMPSON ST RALSTON PA 17763 7172656171 90-92 MAIN ST WELLSBORO PA 16901 10-Q 1 l96796ae10vq.txt CITIZENS & NORTHERN CORP. 10-Q/QTR END 9-30-2002 EX-99.1 3 l96796aexv99w1.txt EXHIBIT 99.1