0000950152-02-002884 8-K 2 20020331 5 7 20020411 CITIZENS & NORTHERN CORP 0000810958 6022 232451943 PA 1231 8-K 34 000-16084 02608403 THOMPSON ST RALSTON PA 17763 7172656171 90-92 MAIN ST WELLSBORO PA 16901 8-K 1 l93795ae8-k.txt CITIZENS & NORTHERN CORPORATION 8-K EX-99 3 l93795aex99.txt EXHIBIT 99