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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CompensationAndRetirementDisclosureAbstract" xlink:to="us-gaap_CompensationAndRetirementDisclosureAbstract_lbl" xlink:title="label: CompensationAndRetirementDisclosureAbstract to us-gaap_CompensationAndRetirementDisclosureAbstract_lbl" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="ComprehensiveIncomeNetOfTax" xlink:title="ComprehensiveIncomeNetOfTax" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_ComprehensiveIncomeNetOfTax_lbl" xml:lang="en-US" id="us-gaap_ComprehensiveIncomeNetOfTax_lbl">Comprehensive income</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_ConcentrationRiskTypeDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ConcentrationRiskTypeDomain_lbl" xml:lang="en-US" id="us-gaap_ConcentrationRiskTypeDomain_lbl">Concentration Risk Type [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConcentrationRiskTypeDomain" xlink:to="us-gaap_ConcentrationRiskTypeDomain_lbl" xlink:title="label: ConcentrationRiskTypeDomain to us-gaap_ConcentrationRiskTypeDomain_lbl" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ConcentrationRiskByTypeAxis" xlink:label="ConcentrationRiskByTypeAxis" xlink:title="ConcentrationRiskByTypeAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ConcentrationRiskByTypeAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ConcentrationRiskByTypeAxis_lbl" xml:lang="en-US" id="us-gaap_ConcentrationRiskByTypeAxis_lbl">Concentration Risk Type [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConcentrationRiskByTypeAxis" xlink:to="us-gaap_ConcentrationRiskByTypeAxis_lbl" xlink:title="label: ConcentrationRiskByTypeAxis to us-gaap_ConcentrationRiskByTypeAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ConcentrationRiskBenchmarkDomain" xlink:label="ConcentrationRiskBenchmarkDomain" xlink:title="ConcentrationRiskBenchmarkDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ConcentrationRiskBenchmarkDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ConcentrationRiskBenchmarkDomain_lbl" xml:lang="en-US" id="us-gaap_ConcentrationRiskBenchmarkDomain_lbl">Concentration Risk Benchmark [Domain]</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CoreDepositsMember" xlink:to="us-gaap_CoreDepositsMember_lbl1" xlink:title="label: CoreDepositsMember to us-gaap_CoreDepositsMember_lbl1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CorporateDebtSecuritiesMember" xlink:to="us-gaap_CorporateDebtSecuritiesMember_lbl" xlink:title="label: CorporateDebtSecuritiesMember to us-gaap_CorporateDebtSecuritiesMember_lbl" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CorporateDebtSecuritiesMember" xlink:to="us-gaap_CorporateDebtSecuritiesMember_lbl1" xlink:title="label: CorporateDebtSecuritiesMember to us-gaap_CorporateDebtSecuritiesMember_lbl1" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_DebtAndCapitalLeaseObligations_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DebtAndCapitalLeaseObligations_lbl1" xml:lang="en-US" id="us-gaap_DebtAndCapitalLeaseObligations_lbl1">Debt and Capital Lease Obligations</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DebtInstrumentFairValue" xlink:label="DebtInstrumentFairValue" xlink:title="DebtInstrumentFairValue" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DebtInstrumentFairValue_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_DebtInstrumentFairValue_lbl" xml:lang="en-US" id="us-gaap_DebtInstrumentFairValue_lbl">Borrowed funds</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DebtInstrumentFairValue" xlink:to="us-gaap_DebtInstrumentFairValue_lbl" xlink:title="label: DebtInstrumentFairValue to us-gaap_DebtInstrumentFairValue_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DebtInstrumentFairValue_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DebtInstrumentFairValue_lbl1" xml:lang="en-US" id="us-gaap_DebtInstrumentFairValue_lbl1">Debt Instrument, Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DebtInstrumentFairValue" xlink:to="us-gaap_DebtInstrumentFairValue_lbl1" xlink:title="label: DebtInstrumentFairValue to us-gaap_DebtInstrumentFairValue_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DeferredCompensationArrangementsAbstract" xlink:label="DeferredCompensationArrangementsAbstract" xlink:title="DeferredCompensationArrangementsAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DeferredCompensationArrangementsAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DeferredCompensationArrangementsAbstract_lbl" xml:lang="en-US" id="us-gaap_DeferredCompensationArrangementsAbstract_lbl">Deferred Compensation Arrangements [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredCompensationArrangementsAbstract" xlink:to="us-gaap_DeferredCompensationArrangementsAbstract_lbl" xlink:title="label: DeferredCompensationArrangementsAbstract to us-gaap_DeferredCompensationArrangementsAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="DeferredIncomeTaxExpenseBenefit" xlink:title="DeferredIncomeTaxExpenseBenefit" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US" id="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl">Deferred income taxes</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:label="DefinedBenefitPlanDisclosureLineItems" xlink:title="DefinedBenefitPlanDisclosureLineItems" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanDisclosureLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlanDisclosureLineItems_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanDisclosureLineItems_lbl">Defined Benefit Plan Disclosure [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanDisclosureLineItems" xlink:to="us-gaap_DefinedBenefitPlanDisclosureLineItems_lbl" xlink:title="label: DefinedBenefitPlanDisclosureLineItems to us-gaap_DefinedBenefitPlanDisclosureLineItems_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:label="DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:title="DefinedBenefitPlanExpectedReturnOnPlanAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl">Expected return on plan assets</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl1" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl1">Defined Benefit Plan, Expected Return (Loss) on Plan Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:to="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl1" xlink:title="label: DefinedBenefitPlanExpectedReturnOnPlanAssets to us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:label="DefinedBenefitPlanContributionsByEmployer" xlink:title="DefinedBenefitPlanContributionsByEmployer" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:label="DefinedBenefitPlanInterestCost" xlink:title="DefinedBenefitPlanInterestCost" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanInterestCost_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlanInterestCost_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanInterestCost_lbl">Interest cost</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl">Net periodic benefit cost</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanNetPeriodicBenefitCost" xlink:to="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl1" xlink:title="label: DefinedBenefitPlanNetPeriodicBenefitCost to us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:label="DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:title="DefinedBenefitPlanNetPeriodicBenefitCostAbstract" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_DepositsFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DepositsFairValueDisclosure_lbl1" xml:lang="en-US" id="us-gaap_DepositsFairValueDisclosure_lbl1">Deposits, Fair Value Disclosure</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="EarningsPerShareBasicAbstract" xlink:title="EarningsPerShareBasicAbstract" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="EarningsPerShareDiluted" xlink:title="EarningsPerShareDiluted" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EarningsPerShareDiluted_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EarningsPerShareDiluted_lbl" xml:lang="en-US" id="us-gaap_EarningsPerShareDiluted_lbl">Net Income - Diluted (in dollars per share)</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="EarningsPerShareAbstract" xlink:title="EarningsPerShareAbstract" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_MaturityOver90DaysMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_MaturityOver90DaysMember_lbl" xml:lang="en-US" id="us-gaap_MaturityOver90DaysMember_lbl">Greater than 90 Days [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturityOver90DaysMember" xlink:to="us-gaap_MaturityOver90DaysMember_lbl" xlink:title="label: MaturityOver90DaysMember to us-gaap_MaturityOver90DaysMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_MaturityUpTo30DaysMember" xlink:label="MaturityUpTo30DaysMember" xlink:title="MaturityUpTo30DaysMember" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturityUpTo30DaysMember" xlink:to="us-gaap_MaturityUpTo30DaysMember_lbl" xlink:title="label: MaturityUpTo30DaysMember to us-gaap_MaturityUpTo30DaysMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_Maturity30To90DaysMember" xlink:label="Maturity30To90DaysMember" xlink:title="Maturity30To90DaysMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_Maturity30To90DaysMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_Maturity30To90DaysMember_lbl" xml:lang="en-US" id="us-gaap_Maturity30To90DaysMember_lbl">30 - 90 Days [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Maturity30To90DaysMember" xlink:to="us-gaap_Maturity30To90DaysMember_lbl" xlink:title="label: Maturity30To90DaysMember to us-gaap_Maturity30To90DaysMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_MeasurementInputCostToSellMember" xlink:label="MeasurementInputCostToSellMember" xlink:title="MeasurementInputCostToSellMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MeasurementInputCostToSellMember_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_MeasurementInputCostToSellMember_lbl" xml:lang="en-US" id="us-gaap_MeasurementInputCostToSellMember_lbl">Selling Costs [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MeasurementInputCostToSellMember" xlink:to="us-gaap_MeasurementInputCostToSellMember_lbl" xlink:title="label: MeasurementInputCostToSellMember to us-gaap_MeasurementInputCostToSellMember_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MeasurementInputCostToSellMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_MeasurementInputCostToSellMember_lbl1" xml:lang="en-US" id="us-gaap_MeasurementInputCostToSellMember_lbl1">Measurement Input, Cost to Sell [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MeasurementInputCostToSellMember" xlink:to="us-gaap_MeasurementInputCostToSellMember_lbl1" xlink:title="label: MeasurementInputCostToSellMember to us-gaap_MeasurementInputCostToSellMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_MeasurementInputTypeDomain" xlink:label="MeasurementInputTypeDomain" xlink:title="MeasurementInputTypeDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MeasurementInputTypeDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_MeasurementInputTypeDomain_lbl" xml:lang="en-US" id="us-gaap_MeasurementInputTypeDomain_lbl">Measurement Input Type [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MeasurementInputTypeDomain" xlink:to="us-gaap_MeasurementInputTypeDomain_lbl" xlink:title="label: MeasurementInputTypeDomain to us-gaap_MeasurementInputTypeDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_MeasurementInputTypeAxis" xlink:label="MeasurementInputTypeAxis" xlink:title="MeasurementInputTypeAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MeasurementInputTypeAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_MeasurementInputTypeAxis_lbl" xml:lang="en-US" id="us-gaap_MeasurementInputTypeAxis_lbl">Measurement Input Type [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MeasurementInputTypeAxis" xlink:to="us-gaap_MeasurementInputTypeAxis_lbl" xlink:title="label: MeasurementInputTypeAxis to us-gaap_MeasurementInputTypeAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_MeasurementInputDiscountRateMember" xlink:label="MeasurementInputDiscountRateMember" xlink:title="MeasurementInputDiscountRateMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MeasurementInputDiscountRateMember_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_MeasurementInputDiscountRateMember_lbl" xml:lang="en-US" id="us-gaap_MeasurementInputDiscountRateMember_lbl">Discount for Time Since Appraisal [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MeasurementInputDiscountRateMember" xlink:to="us-gaap_MeasurementInputDiscountRateMember_lbl" xlink:title="label: MeasurementInputDiscountRateMember to us-gaap_MeasurementInputDiscountRateMember_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MeasurementInputDiscountRateMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_MeasurementInputDiscountRateMember_lbl1" xml:lang="en-US" id="us-gaap_MeasurementInputDiscountRateMember_lbl1">Measurement Input, Discount Rate [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MeasurementInputDiscountRateMember" xlink:to="us-gaap_MeasurementInputDiscountRateMember_lbl1" xlink:title="label: MeasurementInputDiscountRateMember to us-gaap_MeasurementInputDiscountRateMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:label="MortgageLoansInProcessOfForeclosureAmount" xlink:title="MortgageLoansInProcessOfForeclosureAmount" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MortgageLoansInProcessOfForeclosureAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_MortgageLoansInProcessOfForeclosureAmount_lbl" xml:lang="en-US" id="us-gaap_MortgageLoansInProcessOfForeclosureAmount_lbl">Formal foreclosure proceedings on potential foreclosure assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageLoansInProcessOfForeclosureAmount" xlink:to="us-gaap_MortgageLoansInProcessOfForeclosureAmount_lbl" xlink:title="label: MortgageLoansInProcessOfForeclosureAmount to us-gaap_MortgageLoansInProcessOfForeclosureAmount_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MortgageLoansInProcessOfForeclosureAmount_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_MortgageLoansInProcessOfForeclosureAmount_lbl1" xml:lang="en-US" id="us-gaap_MortgageLoansInProcessOfForeclosureAmount_lbl1">Mortgage Loans in Process of Foreclosure, Amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageLoansInProcessOfForeclosureAmount" xlink:to="us-gaap_MortgageLoansInProcessOfForeclosureAmount_lbl1" xlink:title="label: MortgageLoansInProcessOfForeclosureAmount to us-gaap_MortgageLoansInProcessOfForeclosureAmount_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:title="MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_lbl" xml:lang="en-US" id="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_lbl">Mortgage-backed Securities in Government Sponsored Entities [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:to="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_lbl" xlink:title="label: MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember to us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure" xlink:label="MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure" xlink:title="MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_lbl" xml:lang="en-US" id="us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_lbl">Mortgage-backed securities in government sponsored entities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure" xlink:to="us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_lbl" xlink:title="label: MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure to us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_lbl1" xml:lang="en-US" id="us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_lbl1">Mortgage-backed Securities Available-for-sale, Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure" xlink:to="us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_lbl1" xlink:title="label: MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure to us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NonperformingFinancingReceivableMember" xlink:label="NonperformingFinancingReceivableMember" xlink:title="NonperformingFinancingReceivableMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NonperformingFinancingReceivableMember_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_NonperformingFinancingReceivableMember_lbl" xml:lang="en-US" id="us-gaap_NonperformingFinancingReceivableMember_lbl">Nonperforming [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NonperformingFinancingReceivableMember" xlink:to="us-gaap_NonperformingFinancingReceivableMember_lbl" xlink:title="label: NonperformingFinancingReceivableMember to us-gaap_NonperformingFinancingReceivableMember_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NonperformingFinancingReceivableMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NonperformingFinancingReceivableMember_lbl1" xml:lang="en-US" id="us-gaap_NonperformingFinancingReceivableMember_lbl1">Nonperforming Financial Instruments [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NonperformingFinancingReceivableMember" xlink:to="us-gaap_NonperformingFinancingReceivableMember_lbl1" xlink:title="label: NonperformingFinancingReceivableMember to us-gaap_NonperformingFinancingReceivableMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:title="NetCashProvidedByUsedInFinancingActivitiesAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl">CASH FLOWS FROM FINANCING ACTIVITIES:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xlink:title="label: NetCashProvidedByUsedInFinancingActivitiesAbstract to us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="NetCashProvidedByUsedInFinancingActivities" xlink:title="NetCashProvidedByUsedInFinancingActivities" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl">Net cash provided by financing activities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xlink:title="label: NetCashProvidedByUsedInFinancingActivities to us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl1" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl1">Net Cash Provided by (Used in) Financing Activities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl1" xlink:title="label: NetCashProvidedByUsedInFinancingActivities to us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="NetCashProvidedByUsedInInvestingActivities" xlink:title="NetCashProvidedByUsedInInvestingActivities" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl">Net cash used in investing activities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xlink:title="label: NetCashProvidedByUsedInInvestingActivities to us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl1" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl1">Net Cash Provided by (Used in) Investing Activities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl1" xlink:title="label: NetCashProvidedByUsedInInvestingActivities to us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:title="NetCashProvidedByUsedInInvestingActivitiesAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl">CASH FLOWS FROM INVESTING ACTIVITIES:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xlink:title="label: NetCashProvidedByUsedInInvestingActivitiesAbstract to us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:title="NetCashProvidedByUsedInOperatingActivitiesAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl">CASH FLOWS FROM OPERATING ACTIVITIES:</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl">Net cash provided by operating activities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xlink:title="label: NetCashProvidedByUsedInOperatingActivities to us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_PerformingFinancingReceivableMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PerformingFinancingReceivableMember_lbl1" xml:lang="en-US" id="us-gaap_PerformingFinancingReceivableMember_lbl1">Performing Financial Instruments [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:label="PastDueFinancingReceivablesTableTextBlock" xlink:title="PastDueFinancingReceivablesTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US" id="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl">Aging Analysis of Past Due Financing Receivables</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PassMember" xlink:label="PassMember" xlink:title="PassMember" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US" id="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl">Net increase in loans</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl1" xml:lang="en-US" id="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl1">Payments for (Proceeds from) Loans and Leases</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_lbl" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_lbl" xml:lang="en-US" id="us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_lbl">Purchase of regulatory stock</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_lbl1" xml:lang="en-US" id="us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_lbl1">Payments to Acquire Federal Home Loan Bank Stock</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="PaymentsForRepurchaseOfCommonStock" xlink:title="PaymentsForRepurchaseOfCommonStock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl" xml:lang="en-US" id="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl">Purchase of treasury and restricted stock</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl1" xml:lang="en-US" id="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl1">Payments for Repurchase of Common Stock</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:label="PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:title="PaymentsForOriginationOfMortgageLoansHeldForSale" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl" xml:lang="en-US" id="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl">Originations of loans held for sale</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl1" xml:lang="en-US" id="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl1">Payments for Origination of Mortgage Loans Held-for-sale</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="PaymentsOfDividendsCommonStock" xlink:title="PaymentsOfDividendsCommonStock" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsToAcquireProductiveAssets" xlink:label="PaymentsToAcquireProductiveAssets" xlink:title="PaymentsToAcquireProductiveAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsToAcquireProductiveAssets_lbl" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_PaymentsToAcquireProductiveAssets_lbl" xml:lang="en-US" id="us-gaap_PaymentsToAcquireProductiveAssets_lbl">Purchase of premises and equipment</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsToAcquireProductiveAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PaymentsToAcquireProductiveAssets_lbl1" xml:lang="en-US" id="us-gaap_PaymentsToAcquireProductiveAssets_lbl1">Payments to Acquire Productive Assets</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsToAcquireMarketableSecurities_lbl" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_PaymentsToAcquireMarketableSecurities_lbl" xml:lang="en-US" id="us-gaap_PaymentsToAcquireMarketableSecurities_lbl">Purchase of equity securities</link:label>
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    <link:label xlink:type="resource" xlink:label="srt_MortgageLoansOnRealEstateLoanCategoryDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_MortgageLoansOnRealEstateLoanCategoryDomain_lbl" xml:lang="en-US" id="srt_MortgageLoansOnRealEstateLoanCategoryDomain_lbl">Mortgage Loans on Real Estate, Loan Category [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageLoansOnRealEstateLoanCategoryDomain" xlink:to="srt_MortgageLoansOnRealEstateLoanCategoryDomain_lbl" xlink:title="label: MortgageLoansOnRealEstateLoanCategoryDomain to srt_MortgageLoansOnRealEstateLoanCategoryDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis" xlink:label="MortgageLoansOnRealEstateDescriptionLoanCategoryAxis" xlink:title="MortgageLoansOnRealEstateDescriptionLoanCategoryAxis" />
    <link:label xlink:type="resource" xlink:label="srt_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis_lbl" xml:lang="en-US" id="srt_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis_lbl">Mortgage Loans on Real Estate, Description, Loan Category [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageLoansOnRealEstateDescriptionLoanCategoryAxis" xlink:to="srt_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis_lbl" xlink:title="label: MortgageLoansOnRealEstateDescriptionLoanCategoryAxis to srt_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_ProductsAndServicesDomain" xlink:label="ProductsAndServicesDomain" xlink:title="ProductsAndServicesDomain" />
    <link:label xlink:type="resource" xlink:label="srt_ProductsAndServicesDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_ProductsAndServicesDomain_lbl" xml:lang="en-US" id="srt_ProductsAndServicesDomain_lbl">Products and Services [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProductsAndServicesDomain" xlink:to="srt_ProductsAndServicesDomain_lbl" xlink:title="label: ProductsAndServicesDomain to srt_ProductsAndServicesDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_ProductOrServiceAxis" xlink:label="ProductOrServiceAxis" xlink:title="ProductOrServiceAxis" />
    <link:label xlink:type="resource" xlink:label="srt_ProductOrServiceAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_ProductOrServiceAxis_lbl" xml:lang="en-US" id="srt_ProductOrServiceAxis_lbl">Products and Services [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProductOrServiceAxis" xlink:to="srt_ProductOrServiceAxis_lbl" xlink:title="label: ProductOrServiceAxis to srt_ProductOrServiceAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_RangeMember" xlink:label="RangeMember" xlink:title="RangeMember" />
    <link:label xlink:type="resource" xlink:label="srt_RangeMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_RangeMember_lbl" xml:lang="en-US" id="srt_RangeMember_lbl">Range [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RangeMember" xlink:to="srt_RangeMember_lbl" xlink:title="label: RangeMember to srt_RangeMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_RangeAxis" xlink:label="RangeAxis" xlink:title="RangeAxis" />
    <link:label xlink:type="resource" xlink:label="srt_RangeAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_RangeAxis_lbl" xml:lang="en-US" id="srt_RangeAxis_lbl">Range [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RangeAxis" xlink:to="srt_RangeAxis_lbl" xlink:title="label: RangeAxis to srt_RangeAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_RepurchaseAgreementCounterpartyNameDomain" xlink:label="RepurchaseAgreementCounterpartyNameDomain" xlink:title="RepurchaseAgreementCounterpartyNameDomain" />
    <link:label xlink:type="resource" xlink:label="srt_RepurchaseAgreementCounterpartyNameDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_RepurchaseAgreementCounterpartyNameDomain_lbl" xml:lang="en-US" id="srt_RepurchaseAgreementCounterpartyNameDomain_lbl">Counterparty Name [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RepurchaseAgreementCounterpartyNameDomain" xlink:to="srt_RepurchaseAgreementCounterpartyNameDomain_lbl" xlink:title="label: RepurchaseAgreementCounterpartyNameDomain to srt_RepurchaseAgreementCounterpartyNameDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_WeightedAverageMember" xlink:label="WeightedAverageMember" xlink:title="WeightedAverageMember" />
    <link:label xlink:type="resource" xlink:label="srt_WeightedAverageMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_WeightedAverageMember_lbl" xml:lang="en-US" id="srt_WeightedAverageMember_lbl">Weighted Average [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageMember" xlink:to="srt_WeightedAverageMember_lbl" xlink:title="label: WeightedAverageMember to srt_WeightedAverageMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_NumberOfPlans" xlink:label="NumberOfPlans" xlink:title="NumberOfPlans" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfPlans_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_NumberOfPlans_lbl" xml:lang="en-US" id="czfs_NumberOfPlans_lbl">Refers to the number of plans during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfPlans" xlink:to="czfs_NumberOfPlans_lbl" xlink:title="label: NumberOfPlans to czfs_NumberOfPlans_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfPlans_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_NumberOfPlans_lbl1" xml:lang="en-US" id="czfs_NumberOfPlans_lbl1">Number Of Plans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfPlans" xlink:to="czfs_NumberOfPlans_lbl1" xlink:title="label: NumberOfPlans to czfs_NumberOfPlans_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfPlans_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_NumberOfPlans_lbl2" xml:lang="en-US" id="czfs_NumberOfPlans_lbl2">Number of plans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfPlans" xlink:to="czfs_NumberOfPlans_lbl2" xlink:title="label: NumberOfPlans to czfs_NumberOfPlans_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_DefinedBenefitPlanNetAmortizationAndDeferral" xlink:label="DefinedBenefitPlanNetAmortizationAndDeferral" xlink:title="DefinedBenefitPlanNetAmortizationAndDeferral" />
    <link:label xlink:type="resource" xlink:label="czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl" xml:lang="en-US" id="czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl">The net amortization and deferral expenses. The net amortization and deferral component is a portion of the benefit obligation and is unaffected by the funded status of the plan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanNetAmortizationAndDeferral" xlink:to="czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl" xlink:title="label: DefinedBenefitPlanNetAmortizationAndDeferral to czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl1" xml:lang="en-US" id="czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl1">Defined Benefit Plan Net amortization and deferral</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanNetAmortizationAndDeferral" xlink:to="czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl1" xlink:title="label: DefinedBenefitPlanNetAmortizationAndDeferral to czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl2" xml:lang="en-US" id="czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl2">Net amortization and deferral</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanNetAmortizationAndDeferral" xlink:to="czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl2" xlink:title="label: DefinedBenefitPlanNetAmortizationAndDeferral to czfs_DefinedBenefitPlanNetAmortizationAndDeferral_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_SalaryAndEmployeeBenefitsMember" xlink:label="SalaryAndEmployeeBenefitsMember" xlink:title="SalaryAndEmployeeBenefitsMember" />
    <link:label xlink:type="resource" xlink:label="czfs_SalaryAndEmployeeBenefitsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_SalaryAndEmployeeBenefitsMember_lbl" xml:lang="en-US" id="czfs_SalaryAndEmployeeBenefitsMember_lbl">The expenditures for salaries and employee benefit for officers and non-officers.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SalaryAndEmployeeBenefitsMember" xlink:to="czfs_SalaryAndEmployeeBenefitsMember_lbl" xlink:title="label: SalaryAndEmployeeBenefitsMember to czfs_SalaryAndEmployeeBenefitsMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_SalaryAndEmployeeBenefitsMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_SalaryAndEmployeeBenefitsMember_lbl1" xml:lang="en-US" id="czfs_SalaryAndEmployeeBenefitsMember_lbl1">Salary and Employee Benefits [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SalaryAndEmployeeBenefitsMember" xlink:to="czfs_SalaryAndEmployeeBenefitsMember_lbl1" xlink:title="label: SalaryAndEmployeeBenefitsMember to czfs_SalaryAndEmployeeBenefitsMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_SalaryAndEmployeeBenefitsMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_SalaryAndEmployeeBenefitsMember_lbl2" xml:lang="en-US" id="czfs_SalaryAndEmployeeBenefitsMember_lbl2">Salary and Employee Benefits [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SalaryAndEmployeeBenefitsMember" xlink:to="czfs_SalaryAndEmployeeBenefitsMember_lbl2" xlink:title="label: SalaryAndEmployeeBenefitsMember to czfs_SalaryAndEmployeeBenefitsMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_OtherExpensesMember" xlink:label="OtherExpensesMember" xlink:title="OtherExpensesMember" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherExpensesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_OtherExpensesMember_lbl" xml:lang="en-US" id="czfs_OtherExpensesMember_lbl">Primary financial statement caption encompassing other expense.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherExpensesMember" xlink:to="czfs_OtherExpensesMember_lbl" xlink:title="label: OtherExpensesMember to czfs_OtherExpensesMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherExpensesMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_OtherExpensesMember_lbl1" xml:lang="en-US" id="czfs_OtherExpensesMember_lbl1">Other Expenses [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherExpensesMember" xlink:to="czfs_OtherExpensesMember_lbl1" xlink:title="label: OtherExpensesMember to czfs_OtherExpensesMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherExpensesMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_OtherExpensesMember_lbl2" xml:lang="en-US" id="czfs_OtherExpensesMember_lbl2">Other Expenses [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherExpensesMember" xlink:to="czfs_OtherExpensesMember_lbl2" xlink:title="label: OtherExpensesMember to czfs_OtherExpensesMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_PennsylvaniaSharesTax" xlink:label="PennsylvaniaSharesTax" xlink:title="PennsylvaniaSharesTax" />
    <link:label xlink:type="resource" xlink:label="czfs_PennsylvaniaSharesTax_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_PennsylvaniaSharesTax_lbl" xml:lang="en-US" id="czfs_PennsylvaniaSharesTax_lbl">Tax imposed by the Commonwealth of Pennsylvania on the book value of capital stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PennsylvaniaSharesTax" xlink:to="czfs_PennsylvaniaSharesTax_lbl" xlink:title="label: PennsylvaniaSharesTax to czfs_PennsylvaniaSharesTax_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_PennsylvaniaSharesTax_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_PennsylvaniaSharesTax_lbl1" xml:lang="en-US" id="czfs_PennsylvaniaSharesTax_lbl1">Pennsylvania Shares tax</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PennsylvaniaSharesTax" xlink:to="czfs_PennsylvaniaSharesTax_lbl1" xlink:title="label: PennsylvaniaSharesTax to czfs_PennsylvaniaSharesTax_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_PennsylvaniaSharesTax_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_PennsylvaniaSharesTax_lbl2" xml:lang="en-US" id="czfs_PennsylvaniaSharesTax_lbl2">Pennsylvania shares tax</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PennsylvaniaSharesTax" xlink:to="czfs_PennsylvaniaSharesTax_lbl2" xlink:title="label: PennsylvaniaSharesTax to czfs_PennsylvaniaSharesTax_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete" xlink:label="AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete" xlink:title="AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete" />
    <link:label xlink:type="resource" xlink:label="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl" xml:lang="en-US" id="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl">The aggregate expense charged against earnings to allocate the cost of intangible assets (Core deposits and Non Compete) (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete" xlink:to="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl" xlink:title="label: AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete to czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl1" xml:lang="en-US" id="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl1">Amortization of Intangible Assets Core Deposits and Non Compete</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete" xlink:to="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl1" xlink:title="label: AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete to czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl2" xml:lang="en-US" id="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl2">Amortization of intangibles</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete" xlink:to="czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl2" xlink:title="label: AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete to czfs_AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_OREExpensesRecovery" xlink:label="OREExpensesRecovery" xlink:title="OREExpensesRecovery" />
    <link:label xlink:type="resource" xlink:label="czfs_OREExpensesRecovery_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_OREExpensesRecovery_lbl" xml:lang="en-US" id="czfs_OREExpensesRecovery_lbl">Refers to other real estate expenses (recovery).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OREExpensesRecovery" xlink:to="czfs_OREExpensesRecovery_lbl" xlink:title="label: OREExpensesRecovery to czfs_OREExpensesRecovery_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_OREExpensesRecovery_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_OREExpensesRecovery_lbl1" xml:lang="en-US" id="czfs_OREExpensesRecovery_lbl1">ORE Expenses Recovery</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OREExpensesRecovery" xlink:to="czfs_OREExpensesRecovery_lbl1" xlink:title="label: OREExpensesRecovery to czfs_OREExpensesRecovery_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_OREExpensesRecovery_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_OREExpensesRecovery_lbl2" xml:lang="en-US" id="czfs_OREExpensesRecovery_lbl2">OREO expenses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OREExpensesRecovery" xlink:to="czfs_OREExpensesRecovery_lbl2" xlink:title="label: OREExpensesRecovery to czfs_OREExpensesRecovery_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ServiceChargesOnDepositAccountsMember" xlink:label="ServiceChargesOnDepositAccountsMember" xlink:title="ServiceChargesOnDepositAccountsMember" />
    <link:label xlink:type="resource" xlink:label="czfs_ServiceChargesOnDepositAccountsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ServiceChargesOnDepositAccountsMember_lbl" xml:lang="en-US" id="czfs_ServiceChargesOnDepositAccountsMember_lbl">Transaction fees related to specific transactions or activities resulting from a customer request or activity that include overdraft fees, online banking fees, interchange fees, ATM fees and other transaction fees. All of these fees are attributable to specific performance obligations where the revenue is recognized at a defined point in time, completion of the requested service/transaction.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServiceChargesOnDepositAccountsMember" xlink:to="czfs_ServiceChargesOnDepositAccountsMember_lbl" xlink:title="label: ServiceChargesOnDepositAccountsMember to czfs_ServiceChargesOnDepositAccountsMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ServiceChargesOnDepositAccountsMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ServiceChargesOnDepositAccountsMember_lbl1" xml:lang="en-US" id="czfs_ServiceChargesOnDepositAccountsMember_lbl1">Service Charges on Deposit Accounts [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServiceChargesOnDepositAccountsMember" xlink:to="czfs_ServiceChargesOnDepositAccountsMember_lbl1" xlink:title="label: ServiceChargesOnDepositAccountsMember to czfs_ServiceChargesOnDepositAccountsMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ServiceChargesOnDepositAccountsMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ServiceChargesOnDepositAccountsMember_lbl2" xml:lang="en-US" id="czfs_ServiceChargesOnDepositAccountsMember_lbl2">Service Charges [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServiceChargesOnDepositAccountsMember" xlink:to="czfs_ServiceChargesOnDepositAccountsMember_lbl2" xlink:title="label: ServiceChargesOnDepositAccountsMember to czfs_ServiceChargesOnDepositAccountsMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_TrustFeesMember" xlink:label="TrustFeesMember" xlink:title="TrustFeesMember" />
    <link:label xlink:type="resource" xlink:label="czfs_TrustFeesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_TrustFeesMember_lbl" xml:lang="en-US" id="czfs_TrustFeesMember_lbl">Typical contracts for trust services are based on a fixed percentage of the assets earned ratably over a defined period and billed on a monthly. Fees charged to customers' accounts are recognized as revenue over the period during which the Company fulfills its performance obligation under the contract (i.e., holding client asset in a managed fiduciary trust account). For these accounts, the performance obligation of the Company is typically satisfied by holding and managing the customer's assets over time.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TrustFeesMember" xlink:to="czfs_TrustFeesMember_lbl" xlink:title="label: TrustFeesMember to czfs_TrustFeesMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_TrustFeesMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_TrustFeesMember_lbl1" xml:lang="en-US" id="czfs_TrustFeesMember_lbl1">Trust Fees [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TrustFeesMember" xlink:to="czfs_TrustFeesMember_lbl1" xlink:title="label: TrustFeesMember to czfs_TrustFeesMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_TrustFeesMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_TrustFeesMember_lbl2" xml:lang="en-US" id="czfs_TrustFeesMember_lbl2">Trust [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TrustFeesMember" xlink:to="czfs_TrustFeesMember_lbl2" xlink:title="label: TrustFeesMember to czfs_TrustFeesMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_BrokerageAndInsuranceMember" xlink:label="BrokerageAndInsuranceMember" xlink:title="BrokerageAndInsuranceMember" />
    <link:label xlink:type="resource" xlink:label="czfs_BrokerageAndInsuranceMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BrokerageAndInsuranceMember_lbl" xml:lang="en-US" id="czfs_BrokerageAndInsuranceMember_lbl">Fees includes commissions from the sales of investments and insurance products recognized on a trade date basis as the performance obligation is satisfied at the point in time in which the trade is processed. Additional fees are based on a percentage of the market value of customer accounts and billed on a monthly/quarterly basis.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BrokerageAndInsuranceMember" xlink:to="czfs_BrokerageAndInsuranceMember_lbl" xlink:title="label: BrokerageAndInsuranceMember to czfs_BrokerageAndInsuranceMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_BrokerageAndInsuranceMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BrokerageAndInsuranceMember_lbl1" xml:lang="en-US" id="czfs_BrokerageAndInsuranceMember_lbl1">Brokerage and Insurance [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BrokerageAndInsuranceMember" xlink:to="czfs_BrokerageAndInsuranceMember_lbl1" xlink:title="label: BrokerageAndInsuranceMember to czfs_BrokerageAndInsuranceMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BrokerageAndInsuranceMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_BrokerageAndInsuranceMember_lbl2" xml:lang="en-US" id="czfs_BrokerageAndInsuranceMember_lbl2">Brokerage and Insurance [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BrokerageAndInsuranceMember" xlink:to="czfs_BrokerageAndInsuranceMember_lbl2" xlink:title="label: BrokerageAndInsuranceMember to czfs_BrokerageAndInsuranceMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_NonInterestIncomesAbstract" xlink:label="NonInterestIncomesAbstract" xlink:title="NonInterestIncomesAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_NonInterestIncomesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_NonInterestIncomesAbstract_lbl1" xml:lang="en-US" id="czfs_NonInterestIncomesAbstract_lbl1">Non Interest Incomes [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NonInterestIncomesAbstract" xlink:to="czfs_NonInterestIncomesAbstract_lbl1" xlink:title="label: NonInterestIncomesAbstract to czfs_NonInterestIncomesAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_NonInterestIncomesAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_NonInterestIncomesAbstract_lbl2" xml:lang="en-US" id="czfs_NonInterestIncomesAbstract_lbl2">NON-INTEREST INCOME:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NonInterestIncomesAbstract" xlink:to="czfs_NonInterestIncomesAbstract_lbl2" xlink:title="label: NonInterestIncomesAbstract to czfs_NonInterestIncomesAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_MaturityOvernightAndContinuousMember" xlink:label="MaturityOvernightAndContinuousMember" xlink:title="MaturityOvernightAndContinuousMember" />
    <link:label xlink:type="resource" xlink:label="czfs_MaturityOvernightAndContinuousMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_MaturityOvernightAndContinuousMember_lbl" xml:lang="en-US" id="czfs_MaturityOvernightAndContinuousMember_lbl">Maturity period of the day after the reporting date for repurchase agreements and similar transactions, for example, but not limited to, securities lending arrangements.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturityOvernightAndContinuousMember" xlink:to="czfs_MaturityOvernightAndContinuousMember_lbl" xlink:title="label: MaturityOvernightAndContinuousMember to czfs_MaturityOvernightAndContinuousMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_MaturityOvernightAndContinuousMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_MaturityOvernightAndContinuousMember_lbl1" xml:lang="en-US" id="czfs_MaturityOvernightAndContinuousMember_lbl1">Maturity Overnight and Continuous [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturityOvernightAndContinuousMember" xlink:to="czfs_MaturityOvernightAndContinuousMember_lbl1" xlink:title="label: MaturityOvernightAndContinuousMember to czfs_MaturityOvernightAndContinuousMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_MaturityOvernightAndContinuousMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_MaturityOvernightAndContinuousMember_lbl2" xml:lang="en-US" id="czfs_MaturityOvernightAndContinuousMember_lbl2">Overnight and Continuous [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturityOvernightAndContinuousMember" xlink:to="czfs_MaturityOvernightAndContinuousMember_lbl2" xlink:title="label: MaturityOvernightAndContinuousMember to czfs_MaturityOvernightAndContinuousMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_GrossCarryingValueOfIntangibleAssetsAndAccumulatedAmortizationAbstract" xlink:label="GrossCarryingValueOfIntangibleAssetsAndAccumulatedAmortizationAbstract" xlink:title="GrossCarryingValueOfIntangibleAssetsAndAccumulatedAmortizationAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_GrossCarryingValueOfIntangibleAssetsAndAccumulatedAmortizationAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_GrossCarryingValueOfIntangibleAssetsAndAccumulatedAmortizationAbstract_lbl1" xml:lang="en-US" id="czfs_GrossCarryingValueOfIntangibleAssetsAndAccumulatedAmortizationAbstract_lbl1">Gross Carrying Value Of Intangible Assets And Accumulated Amortization [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GrossCarryingValueOfIntangibleAssetsAndAccumulatedAmortizationAbstract" xlink:to="czfs_GrossCarryingValueOfIntangibleAssetsAndAccumulatedAmortizationAbstract_lbl1" xlink:title="label: GrossCarryingValueOfIntangibleAssetsAndAccumulatedAmortizationAbstract to czfs_GrossCarryingValueOfIntangibleAssetsAndAccumulatedAmortizationAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_IndefiniteLivedIntangibleAssetsNetAbstract" xlink:label="IndefiniteLivedIntangibleAssetsNetAbstract" xlink:title="IndefiniteLivedIntangibleAssetsNetAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_IndefiniteLivedIntangibleAssetsNetAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_IndefiniteLivedIntangibleAssetsNetAbstract_lbl1" xml:lang="en-US" id="czfs_IndefiniteLivedIntangibleAssetsNetAbstract_lbl1">Indefinite Lived Intangible Assets Net [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IndefiniteLivedIntangibleAssetsNetAbstract" xlink:to="czfs_IndefiniteLivedIntangibleAssetsNetAbstract_lbl1" xlink:title="label: IndefiniteLivedIntangibleAssetsNetAbstract to czfs_IndefiniteLivedIntangibleAssetsNetAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_IndefiniteLivedIntangibleAssetsNetAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_IndefiniteLivedIntangibleAssetsNetAbstract_lbl2" xml:lang="en-US" id="czfs_IndefiniteLivedIntangibleAssetsNetAbstract_lbl2">Unamortized intangible assets [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IndefiniteLivedIntangibleAssetsNetAbstract" xlink:to="czfs_IndefiniteLivedIntangibleAssetsNetAbstract_lbl2" xlink:title="label: IndefiniteLivedIntangibleAssetsNetAbstract to czfs_IndefiniteLivedIntangibleAssetsNetAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract" xlink:label="AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract" xlink:title="AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract_lbl1" xml:lang="en-US" id="czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract_lbl1">Available for-sale, Debt Securities, Continuous Unrealized Loss Position Fair Value and Unrealized Losses [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract" xlink:to="czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract_lbl1" xlink:title="label: AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract to czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract_lbl2" xml:lang="en-US" id="czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract_lbl2">Available-for-sale, Debt Securities, Fair Value and Gross Unrealized Losses [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract" xlink:to="czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract_lbl2" xlink:title="label: AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract to czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_SecuritiesAvailableForSaleAbstract" xlink:label="SecuritiesAvailableForSaleAbstract" xlink:title="SecuritiesAvailableForSaleAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_SecuritiesAvailableForSaleAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_SecuritiesAvailableForSaleAbstract_lbl1" xml:lang="en-US" id="czfs_SecuritiesAvailableForSaleAbstract_lbl1">Securities, Available-for-sale [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecuritiesAvailableForSaleAbstract" xlink:to="czfs_SecuritiesAvailableForSaleAbstract_lbl1" xlink:title="label: SecuritiesAvailableForSaleAbstract to czfs_SecuritiesAvailableForSaleAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_SecuritiesAvailableForSaleAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_SecuritiesAvailableForSaleAbstract_lbl2" xml:lang="en-US" id="czfs_SecuritiesAvailableForSaleAbstract_lbl2">Total Available-for-sale Securities [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecuritiesAvailableForSaleAbstract" xlink:to="czfs_SecuritiesAvailableForSaleAbstract_lbl2" xlink:title="label: SecuritiesAvailableForSaleAbstract to czfs_SecuritiesAvailableForSaleAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_AvailableForSaleSecuritiesEquitySecuritiesAbstract" xlink:label="AvailableForSaleSecuritiesEquitySecuritiesAbstract" xlink:title="AvailableForSaleSecuritiesEquitySecuritiesAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_AvailableForSaleSecuritiesEquitySecuritiesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AvailableForSaleSecuritiesEquitySecuritiesAbstract_lbl1" xml:lang="en-US" id="czfs_AvailableForSaleSecuritiesEquitySecuritiesAbstract_lbl1">Available-for-sale Securities, Equity Securities [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableForSaleSecuritiesEquitySecuritiesAbstract" xlink:to="czfs_AvailableForSaleSecuritiesEquitySecuritiesAbstract_lbl1" xlink:title="label: AvailableForSaleSecuritiesEquitySecuritiesAbstract to czfs_AvailableForSaleSecuritiesEquitySecuritiesAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AvailableForSaleSecuritiesEquitySecuritiesAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AvailableForSaleSecuritiesEquitySecuritiesAbstract_lbl2" xml:lang="en-US" id="czfs_AvailableForSaleSecuritiesEquitySecuritiesAbstract_lbl2">Equity Securities [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableForSaleSecuritiesEquitySecuritiesAbstract" xlink:to="czfs_AvailableForSaleSecuritiesEquitySecuritiesAbstract_lbl2" xlink:title="label: AvailableForSaleSecuritiesEquitySecuritiesAbstract to czfs_AvailableForSaleSecuritiesEquitySecuritiesAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_AntidilutiveSecuritiesAbstract" xlink:label="AntidilutiveSecuritiesAbstract" xlink:title="AntidilutiveSecuritiesAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_AntidilutiveSecuritiesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AntidilutiveSecuritiesAbstract_lbl1" xml:lang="en-US" id="czfs_AntidilutiveSecuritiesAbstract_lbl1">Antidilutive Securities [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AntidilutiveSecuritiesAbstract" xlink:to="czfs_AntidilutiveSecuritiesAbstract_lbl1" xlink:title="label: AntidilutiveSecuritiesAbstract to czfs_AntidilutiveSecuritiesAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice" xlink:label="ShareBasedPaymentAwardFairValueAssumptionsExercisePrice" xlink:title="ShareBasedPaymentAwardFairValueAssumptionsExercisePrice" />
    <link:label xlink:type="resource" xlink:label="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl" xml:lang="en-US" id="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl">Agreed-upon price for the exchange of the underlying asset relating to the share-based payment award.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedPaymentAwardFairValueAssumptionsExercisePrice" xlink:to="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl" xlink:title="label: ShareBasedPaymentAwardFairValueAssumptionsExercisePrice to czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl1" xml:lang="en-US" id="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl1">Share-based Payment Award, Fair Value Assumptions, Exercise Price</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedPaymentAwardFairValueAssumptionsExercisePrice" xlink:to="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl1" xlink:title="label: ShareBasedPaymentAwardFairValueAssumptionsExercisePrice to czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl2" xml:lang="en-US" id="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl2">Antidilutive stock share price range (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedPaymentAwardFairValueAssumptionsExercisePrice" xlink:to="czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl2" xlink:title="label: ShareBasedPaymentAwardFairValueAssumptionsExercisePrice to czfs_ShareBasedPaymentAwardFairValueAssumptionsExercisePrice_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_OtherAgriculturalLoansMember" xlink:label="OtherAgriculturalLoansMember" xlink:title="OtherAgriculturalLoansMember" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherAgriculturalLoansMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_OtherAgriculturalLoansMember_lbl" xml:lang="en-US" id="czfs_OtherAgriculturalLoansMember_lbl">Class of financing receivables related to agricultural loans excluding real estate.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAgriculturalLoansMember" xlink:to="czfs_OtherAgriculturalLoansMember_lbl" xlink:title="label: OtherAgriculturalLoansMember to czfs_OtherAgriculturalLoansMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherAgriculturalLoansMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_OtherAgriculturalLoansMember_lbl1" xml:lang="en-US" id="czfs_OtherAgriculturalLoansMember_lbl1">Other Agricultural Loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAgriculturalLoansMember" xlink:to="czfs_OtherAgriculturalLoansMember_lbl1" xlink:title="label: OtherAgriculturalLoansMember to czfs_OtherAgriculturalLoansMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherAgriculturalLoansMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_OtherAgriculturalLoansMember_lbl2" xml:lang="en-US" id="czfs_OtherAgriculturalLoansMember_lbl2">Other Agricultural Loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAgriculturalLoansMember" xlink:to="czfs_OtherAgriculturalLoansMember_lbl2" xlink:title="label: OtherAgriculturalLoansMember to czfs_OtherAgriculturalLoansMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_StateAndPoliticalSubdivisionLoansMember" xlink:label="StateAndPoliticalSubdivisionLoansMember" xlink:title="StateAndPoliticalSubdivisionLoansMember" />
    <link:label xlink:type="resource" xlink:label="czfs_StateAndPoliticalSubdivisionLoansMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_StateAndPoliticalSubdivisionLoansMember_lbl" xml:lang="en-US" id="czfs_StateAndPoliticalSubdivisionLoansMember_lbl">Portfolio segment of the entity's total financing receivables related to state and political subdivision loans.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StateAndPoliticalSubdivisionLoansMember" xlink:to="czfs_StateAndPoliticalSubdivisionLoansMember_lbl" xlink:title="label: StateAndPoliticalSubdivisionLoansMember to czfs_StateAndPoliticalSubdivisionLoansMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_StateAndPoliticalSubdivisionLoansMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_StateAndPoliticalSubdivisionLoansMember_lbl1" xml:lang="en-US" id="czfs_StateAndPoliticalSubdivisionLoansMember_lbl1">State and political subdivision loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StateAndPoliticalSubdivisionLoansMember" xlink:to="czfs_StateAndPoliticalSubdivisionLoansMember_lbl1" xlink:title="label: StateAndPoliticalSubdivisionLoansMember to czfs_StateAndPoliticalSubdivisionLoansMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_StateAndPoliticalSubdivisionLoansMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_StateAndPoliticalSubdivisionLoansMember_lbl2" xml:lang="en-US" id="czfs_StateAndPoliticalSubdivisionLoansMember_lbl2">State and Political Subdivision Loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StateAndPoliticalSubdivisionLoansMember" xlink:to="czfs_StateAndPoliticalSubdivisionLoansMember_lbl2" xlink:title="label: StateAndPoliticalSubdivisionLoansMember to czfs_StateAndPoliticalSubdivisionLoansMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_RealEstateLoansMember" xlink:label="RealEstateLoansMember" xlink:title="RealEstateLoansMember" />
    <link:label xlink:type="resource" xlink:label="czfs_RealEstateLoansMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_RealEstateLoansMember_lbl" xml:lang="en-US" id="czfs_RealEstateLoansMember_lbl">Portfolio segment of the entity's total financing receivables related to real estate loans.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RealEstateLoansMember" xlink:to="czfs_RealEstateLoansMember_lbl" xlink:title="label: RealEstateLoansMember to czfs_RealEstateLoansMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_RealEstateLoansMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_RealEstateLoansMember_lbl1" xml:lang="en-US" id="czfs_RealEstateLoansMember_lbl1">Real estate loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RealEstateLoansMember" xlink:to="czfs_RealEstateLoansMember_lbl1" xlink:title="label: RealEstateLoansMember to czfs_RealEstateLoansMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_RealEstateLoansMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_RealEstateLoansMember_lbl2" xml:lang="en-US" id="czfs_RealEstateLoansMember_lbl2">Real Estate Loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RealEstateLoansMember" xlink:to="czfs_RealEstateLoansMember_lbl2" xlink:title="label: RealEstateLoansMember to czfs_RealEstateLoansMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_AgriculturalMember" xlink:label="AgriculturalMember" xlink:title="AgriculturalMember" />
    <link:label xlink:type="resource" xlink:label="czfs_AgriculturalMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AgriculturalMember_lbl" xml:lang="en-US" id="czfs_AgriculturalMember_lbl">Class of financing receivables related to agricultural real estate loans.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AgriculturalMember" xlink:to="czfs_AgriculturalMember_lbl" xlink:title="label: AgriculturalMember to czfs_AgriculturalMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_AgriculturalMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AgriculturalMember_lbl1" xml:lang="en-US" id="czfs_AgriculturalMember_lbl1">Agricultural [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AgriculturalMember" xlink:to="czfs_AgriculturalMember_lbl1" xlink:title="label: AgriculturalMember to czfs_AgriculturalMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AgriculturalMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AgriculturalMember_lbl2" xml:lang="en-US" id="czfs_AgriculturalMember_lbl2">Agricultural [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AgriculturalMember" xlink:to="czfs_AgriculturalMember_lbl2" xlink:title="label: AgriculturalMember to czfs_AgriculturalMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ImpairedFinancingReceivableAbstract" xlink:label="ImpairedFinancingReceivableAbstract" xlink:title="ImpairedFinancingReceivableAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedFinancingReceivableAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ImpairedFinancingReceivableAbstract_lbl1" xml:lang="en-US" id="czfs_ImpairedFinancingReceivableAbstract_lbl1">Impaired Financing Receivable [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedFinancingReceivableAbstract" xlink:to="czfs_ImpairedFinancingReceivableAbstract_lbl1" xlink:title="label: ImpairedFinancingReceivableAbstract to czfs_ImpairedFinancingReceivableAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedFinancingReceivableAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ImpairedFinancingReceivableAbstract_lbl2" xml:lang="en-US" id="czfs_ImpairedFinancingReceivableAbstract_lbl2">Impaired Financing Receivable [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedFinancingReceivableAbstract" xlink:to="czfs_ImpairedFinancingReceivableAbstract_lbl2" xlink:title="label: ImpairedFinancingReceivableAbstract to czfs_ImpairedFinancingReceivableAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_TroubledDebtFinancingReceivableRelatedAllowance" xlink:label="TroubledDebtFinancingReceivableRelatedAllowance" xlink:title="TroubledDebtFinancingReceivableRelatedAllowance" />
    <link:label xlink:type="resource" xlink:label="czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl" xml:lang="en-US" id="czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl">Amount of allowance for credit losses related to recorded investment in financing receivable categorized as troubled debt restructuring.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TroubledDebtFinancingReceivableRelatedAllowance" xlink:to="czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl" xlink:title="label: TroubledDebtFinancingReceivableRelatedAllowance to czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl1" xml:lang="en-US" id="czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl1">Troubled debt Financing Receivable Related Allowance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TroubledDebtFinancingReceivableRelatedAllowance" xlink:to="czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl1" xlink:title="label: TroubledDebtFinancingReceivableRelatedAllowance to czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl2" xml:lang="en-US" id="czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl2">Reserves of allowance for loan losses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TroubledDebtFinancingReceivableRelatedAllowance" xlink:to="czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl2" xlink:title="label: TroubledDebtFinancingReceivableRelatedAllowance to czfs_TroubledDebtFinancingReceivableRelatedAllowance_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_InterestModificationMember" xlink:label="InterestModificationMember" xlink:title="InterestModificationMember" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestModificationMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestModificationMember_lbl" xml:lang="en-US" id="czfs_InterestModificationMember_lbl">Real estate portfolio segment of the entity related to interest modification.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestModificationMember" xlink:to="czfs_InterestModificationMember_lbl" xlink:title="label: InterestModificationMember to czfs_InterestModificationMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestModificationMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestModificationMember_lbl1" xml:lang="en-US" id="czfs_InterestModificationMember_lbl1">Interest Modification [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestModificationMember" xlink:to="czfs_InterestModificationMember_lbl1" xlink:title="label: InterestModificationMember to czfs_InterestModificationMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_TermModificationMember" xlink:label="TermModificationMember" xlink:title="TermModificationMember" />
    <link:label xlink:type="resource" xlink:label="czfs_TermModificationMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_TermModificationMember_lbl" xml:lang="en-US" id="czfs_TermModificationMember_lbl">Real estate portfolio segment of the entity related to term modification.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TermModificationMember" xlink:to="czfs_TermModificationMember_lbl" xlink:title="label: TermModificationMember to czfs_TermModificationMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_TermModificationMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_TermModificationMember_lbl1" xml:lang="en-US" id="czfs_TermModificationMember_lbl1">Term Modification [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TermModificationMember" xlink:to="czfs_TermModificationMember_lbl1" xlink:title="label: TermModificationMember to czfs_TermModificationMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_SubsequentDefaultAbstract" xlink:label="SubsequentDefaultAbstract" xlink:title="SubsequentDefaultAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_SubsequentDefaultAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_SubsequentDefaultAbstract_lbl1" xml:lang="en-US" id="czfs_SubsequentDefaultAbstract_lbl1">Subsequent Default [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsequentDefaultAbstract" xlink:to="czfs_SubsequentDefaultAbstract_lbl1" xlink:title="label: SubsequentDefaultAbstract to czfs_SubsequentDefaultAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_SubsequentDefaultAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_SubsequentDefaultAbstract_lbl2" xml:lang="en-US" id="czfs_SubsequentDefaultAbstract_lbl2">Recidivism receivables [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubsequentDefaultAbstract" xlink:to="czfs_SubsequentDefaultAbstract_lbl2" xlink:title="label: SubsequentDefaultAbstract to czfs_SubsequentDefaultAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FinancingReceivableModificationsAbstract" xlink:label="FinancingReceivableModificationsAbstract" xlink:title="FinancingReceivableModificationsAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableModificationsAbstract_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableModificationsAbstract_lbl1">Financing Receivable Modifications [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsAbstract" xlink:to="czfs_FinancingReceivableModificationsAbstract_lbl1" xlink:title="label: FinancingReceivableModificationsAbstract to czfs_FinancingReceivableModificationsAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableModificationsAbstract_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableModificationsAbstract_lbl2">Financing receivable modifications [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsAbstract" xlink:to="czfs_FinancingReceivableModificationsAbstract_lbl2" xlink:title="label: FinancingReceivableModificationsAbstract to czfs_FinancingReceivableModificationsAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock" xlink:label="AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock" xlink:title="AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl" xml:lang="en-US" id="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl">Tabular disclosure of accretable yield for purchased credit impaired loans.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock" xlink:to="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl" xlink:title="label: AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock to czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl1" xml:lang="en-US" id="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl1">Accretable Yield For Purchased Credit Impaired Loans [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock" xlink:to="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl1" xlink:title="label: AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock to czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl2" xml:lang="en-US" id="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl2">Accretable Yield for Purchased Credit Impaired Loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock" xlink:to="czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl2" xlink:title="label: AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock to czfs_AccretableYieldForPurchasedCreditImpairedLoansTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock" xlink:label="ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock" xlink:title="ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl" xml:lang="en-US" id="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl">Tabular disclosure of loan portfolio evaluated with individually and collectively impairment and the allowance for loan losses.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock" xlink:to="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl" xlink:title="label: ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock to czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl1" xml:lang="en-US" id="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl1">Schedule of loan portfolio and allowance for loan losses [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock" xlink:to="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl1" xlink:title="label: ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock to czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl2" xml:lang="en-US" id="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl2">Loan Portfolio and Allowance for Loan Losses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock" xlink:to="czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl2" xlink:title="label: ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock to czfs_ScheduleOfLoanPortfolioAndAllowanceForLoanLossesTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock" xlink:label="ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock" xlink:title="ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl" xml:lang="en-US" id="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl">Tabular disclosure of subsequently defaulted recorded investment in loans that were modified as TDRs.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock" xlink:to="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl" xlink:title="label: ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock to czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl1" xml:lang="en-US" id="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl1">Schedule of Subsequent Default Recorded Investment [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock" xlink:to="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl1" xlink:title="label: ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock to czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl2" xml:lang="en-US" id="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl2">Subsequent Default Recorded Investment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock" xlink:to="czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl2" xlink:title="label: ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock to czfs_ScheduleOfSubsequentDefaultRecordedInvestmentTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock" xlink:label="LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock" xlink:title="LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl" xml:lang="en-US" id="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl">Tabular disclosure of loans acquired with specific evidence of deterioration in credit quality.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock" xlink:to="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl" xlink:title="label: LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock to czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl1" xml:lang="en-US" id="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl1">Loans Acquired With Specific Evidence Of Deterioration In Credit Quality [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock" xlink:to="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl1" xlink:title="label: LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock to czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl2" xml:lang="en-US" id="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl2">Loans Acquired with Specific Evidence of Deterioration in Credit Quality</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock" xlink:to="czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl2" xlink:title="label: LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock to czfs_LoansAcquiredWithSpecificEvidenceOfDeteriorationInCreditQualityTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock" xlink:label="ScheduleOfAllowanceForLoanLossesTableTextBlock" xlink:title="ScheduleOfAllowanceForLoanLossesTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl" xml:lang="en-US" id="czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl">Tabular disclosure of allowance for credit losses individually evaluated for impairment and collectively evaluated for impairment.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfAllowanceForLoanLossesTableTextBlock" xlink:to="czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl" xlink:title="label: ScheduleOfAllowanceForLoanLossesTableTextBlock to czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl1" xml:lang="en-US" id="czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl1">Schedule of allowance for loan losses [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfAllowanceForLoanLossesTableTextBlock" xlink:to="czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl1" xlink:title="label: ScheduleOfAllowanceForLoanLossesTableTextBlock to czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl2" xml:lang="en-US" id="czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl2">Allowance for Loan Losses by Impairment Method</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfAllowanceForLoanLossesTableTextBlock" xlink:to="czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl2" xlink:title="label: ScheduleOfAllowanceForLoanLossesTableTextBlock to czfs_ScheduleOfAllowanceForLoanLossesTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FinancingReceivableByCreditExposureAbstract" xlink:label="FinancingReceivableByCreditExposureAbstract" xlink:title="FinancingReceivableByCreditExposureAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableByCreditExposureAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableByCreditExposureAbstract_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableByCreditExposureAbstract_lbl1">Financing Receivable by credit exposure [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableByCreditExposureAbstract" xlink:to="czfs_FinancingReceivableByCreditExposureAbstract_lbl1" xlink:title="label: FinancingReceivableByCreditExposureAbstract to czfs_FinancingReceivableByCreditExposureAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FinancingReceivableAbstract" xlink:label="FinancingReceivableAbstract" xlink:title="FinancingReceivableAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableAbstract_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableAbstract_lbl1">Financing Receivable [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableAbstract" xlink:to="czfs_FinancingReceivableAbstract_lbl1" xlink:title="label: FinancingReceivableAbstract to czfs_FinancingReceivableAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableAbstract_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableAbstract_lbl2">Financing Receivable [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableAbstract" xlink:to="czfs_FinancingReceivableAbstract_lbl2" xlink:title="label: FinancingReceivableAbstract to czfs_FinancingReceivableAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_AmountOverWhichAllRelationshipToBeReviewed" xlink:label="AmountOverWhichAllRelationshipToBeReviewed" xlink:title="AmountOverWhichAllRelationshipToBeReviewed" />
    <link:label xlink:type="resource" xlink:label="czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl" xml:lang="en-US" id="czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl">Represents amount over which all relationships to be reviewed for all internal and external loan on aggregate basis to ensure the appropriateness of the loan grade.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmountOverWhichAllRelationshipToBeReviewed" xlink:to="czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl" xlink:title="label: AmountOverWhichAllRelationshipToBeReviewed to czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl1" xml:lang="en-US" id="czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl1">Amount over which all relationship to be reviewed</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmountOverWhichAllRelationshipToBeReviewed" xlink:to="czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl1" xlink:title="label: AmountOverWhichAllRelationshipToBeReviewed to czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl2" xml:lang="en-US" id="czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl2">Amount over which all relationships to be reviewed</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmountOverWhichAllRelationshipToBeReviewed" xlink:to="czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl2" xlink:title="label: AmountOverWhichAllRelationshipToBeReviewed to czfs_AmountOverWhichAllRelationshipToBeReviewed_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_PercentageOfCommercialLoanPortfolioToBeReviewed" xlink:label="PercentageOfCommercialLoanPortfolioToBeReviewed" xlink:title="PercentageOfCommercialLoanPortfolioToBeReviewed" />
    <link:label xlink:type="resource" xlink:label="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl" xml:lang="en-US" id="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl">Refers to percentage of dollar volume of commercial loan portfolio to be reviewed on annual basis .</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfCommercialLoanPortfolioToBeReviewed" xlink:to="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl" xlink:title="label: PercentageOfCommercialLoanPortfolioToBeReviewed to czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl1" xml:lang="en-US" id="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl1">Percentage of commercial loan portfolio to be reviewed</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfCommercialLoanPortfolioToBeReviewed" xlink:to="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl1" xlink:title="label: PercentageOfCommercialLoanPortfolioToBeReviewed to czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl2" xml:lang="en-US" id="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl2">Percentage of dollar volume of commercial loan portfolio to be reviewed</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfCommercialLoanPortfolioToBeReviewed" xlink:to="czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl2" xlink:title="label: PercentageOfCommercialLoanPortfolioToBeReviewed to czfs_PercentageOfCommercialLoanPortfolioToBeReviewed_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum" xlink:label="AmountOverWhichAllNewLoansToBeReviewedMinimum" xlink:title="AmountOverWhichAllNewLoansToBeReviewedMinimum" />
    <link:label xlink:type="resource" xlink:label="czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl" xml:lang="en-US" id="czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl">Represents amount over which all new loans to be reviewed for all internal and external loan on aggregate basis to ensure the appropriateness of the loan grade.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmountOverWhichAllNewLoansToBeReviewedMinimum" xlink:to="czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl" xlink:title="label: AmountOverWhichAllNewLoansToBeReviewedMinimum to czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl1" xml:lang="en-US" id="czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl1">Amount over which all new loans to be reviewed, minimum</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmountOverWhichAllNewLoansToBeReviewedMinimum" xlink:to="czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl1" xlink:title="label: AmountOverWhichAllNewLoansToBeReviewedMinimum to czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl2" xml:lang="en-US" id="czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl2">Amount over which all new loans to be reviewed</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmountOverWhichAllNewLoansToBeReviewedMinimum" xlink:to="czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl2" xlink:title="label: AmountOverWhichAllNewLoansToBeReviewedMinimum to czfs_AmountOverWhichAllNewLoansToBeReviewedMinimum_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_InternallyAssignedGrade1Member" xlink:label="InternallyAssignedGrade1Member" xlink:title="InternallyAssignedGrade1Member" />
    <link:label xlink:type="resource" xlink:label="czfs_InternallyAssignedGrade1Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InternallyAssignedGrade1Member_lbl" xml:lang="en-US" id="czfs_InternallyAssignedGrade1Member_lbl">Credit quality indicators that are developed and used internally by the company.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InternallyAssignedGrade1Member" xlink:to="czfs_InternallyAssignedGrade1Member_lbl" xlink:title="label: InternallyAssignedGrade1Member to czfs_InternallyAssignedGrade1Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InternallyAssignedGrade1Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InternallyAssignedGrade1Member_lbl1" xml:lang="en-US" id="czfs_InternallyAssignedGrade1Member_lbl1">Internally Assigned Grade 1 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InternallyAssignedGrade1Member" xlink:to="czfs_InternallyAssignedGrade1Member_lbl1" xlink:title="label: InternallyAssignedGrade1Member to czfs_InternallyAssignedGrade1Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InternallyAssignedGrade1Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_InternallyAssignedGrade1Member_lbl2" xml:lang="en-US" id="czfs_InternallyAssignedGrade1Member_lbl2">Internally Assigned Grade [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InternallyAssignedGrade1Member" xlink:to="czfs_InternallyAssignedGrade1Member_lbl2" xlink:title="label: InternallyAssignedGrade1Member to czfs_InternallyAssignedGrade1Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_PurchasedCreditImpairedLoanMember" xlink:label="PurchasedCreditImpairedLoanMember" xlink:title="PurchasedCreditImpairedLoanMember" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoanMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_PurchasedCreditImpairedLoanMember_lbl" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoanMember_lbl">Represents purchased credit impaired loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasedCreditImpairedLoanMember" xlink:to="czfs_PurchasedCreditImpairedLoanMember_lbl" xlink:title="label: PurchasedCreditImpairedLoanMember to czfs_PurchasedCreditImpairedLoanMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoanMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_PurchasedCreditImpairedLoanMember_lbl1" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoanMember_lbl1">Purchased Credit Impaired Loan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasedCreditImpairedLoanMember" xlink:to="czfs_PurchasedCreditImpairedLoanMember_lbl1" xlink:title="label: PurchasedCreditImpairedLoanMember to czfs_PurchasedCreditImpairedLoanMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoanMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_PurchasedCreditImpairedLoanMember_lbl2" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoanMember_lbl2">PCI [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasedCreditImpairedLoanMember" xlink:to="czfs_PurchasedCreditImpairedLoanMember_lbl2" xlink:title="label: PurchasedCreditImpairedLoanMember to czfs_PurchasedCreditImpairedLoanMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships" xlink:label="AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships" xlink:title="AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships" />
    <link:label xlink:type="resource" xlink:label="czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl" xml:lang="en-US" id="czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl">Represents amount to be reviewed for all internal and external loan all aggregate loan relationships which are over 30 days past due to ensure the appropriateness of the loan grade.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships" xlink:to="czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl" xlink:title="label: AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships to czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl1" xml:lang="en-US" id="czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl1">Amount which is 30 days past due to be reviewed for all aggregate loan relationships</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships" xlink:to="czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl1" xlink:title="label: AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships to czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FinancingReceivablesOnAccrualStatusAbstract" xlink:label="FinancingReceivablesOnAccrualStatusAbstract" xlink:title="FinancingReceivablesOnAccrualStatusAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivablesOnAccrualStatusAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivablesOnAccrualStatusAbstract_lbl1" xml:lang="en-US" id="czfs_FinancingReceivablesOnAccrualStatusAbstract_lbl1">Financing receivables on accrual status [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivablesOnAccrualStatusAbstract" xlink:to="czfs_FinancingReceivablesOnAccrualStatusAbstract_lbl1" xlink:title="label: FinancingReceivablesOnAccrualStatusAbstract to czfs_FinancingReceivablesOnAccrualStatusAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing" xlink:label="FinancingReceivableRecordedInvestmentTotalAndStillAccruing" xlink:title="FinancingReceivableRecordedInvestmentTotalAndStillAccruing" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl">Recorded investment in financing receivables total that are still accruing.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentTotalAndStillAccruing" xlink:to="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl" xlink:title="label: FinancingReceivableRecordedInvestmentTotalAndStillAccruing to czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl1">Financing Receivable Recorded Investment Total And Still Accruing</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentTotalAndStillAccruing" xlink:to="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl1" xlink:title="label: FinancingReceivableRecordedInvestmentTotalAndStillAccruing to czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl2">Total financing receivables and still accruing</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentTotalAndStillAccruing" xlink:to="czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl2" xlink:title="label: FinancingReceivableRecordedInvestmentTotalAndStillAccruing to czfs_FinancingReceivableRecordedInvestmentTotalAndStillAccruing_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing" xlink:label="FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing" xlink:title="FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl">Recorded investment in financing receivables that are past due and still accruing.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing" xlink:to="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl" xlink:title="label: FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing to czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl1">Financing Receivable Recorded Investment Total Past Due And Still Accruing</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing" xlink:to="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl1" xlink:title="label: FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing to czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl2">Total past due and still accruing</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing" xlink:to="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl2" xlink:title="label: FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing to czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_PurchasedCreditImpairedLoansAndStillAccruing" xlink:label="PurchasedCreditImpairedLoansAndStillAccruing" xlink:title="PurchasedCreditImpairedLoansAndStillAccruing" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl">Refers to the purchased credit impaired loans that are still accruing.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasedCreditImpairedLoansAndStillAccruing" xlink:to="czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl" xlink:title="label: PurchasedCreditImpairedLoansAndStillAccruing to czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl1" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl1">Purchased Credit Impaired Loans And Still Accruing</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasedCreditImpairedLoansAndStillAccruing" xlink:to="czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl1" xlink:title="label: PurchasedCreditImpairedLoansAndStillAccruing to czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl2" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl2">PCI Loans still accruing</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasedCreditImpairedLoansAndStillAccruing" xlink:to="czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl2" xlink:title="label: PurchasedCreditImpairedLoansAndStillAccruing to czfs_PurchasedCreditImpairedLoansAndStillAccruing_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing" xlink:label="FinancingReceivableRecordedInvestmentCurrentAndStillAccruing" xlink:title="FinancingReceivableRecordedInvestmentCurrentAndStillAccruing" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl">Recorded investment in financing receivables that are current and still accruing.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentCurrentAndStillAccruing" xlink:to="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl" xlink:title="label: FinancingReceivableRecordedInvestmentCurrentAndStillAccruing to czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl1">Financing Receivable Recorded Investment Current And Still Accruing</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentCurrentAndStillAccruing" xlink:to="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl1" xlink:title="label: FinancingReceivableRecordedInvestmentCurrentAndStillAccruing to czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl2">Current and still accruing</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentCurrentAndStillAccruing" xlink:to="czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl2" xlink:title="label: FinancingReceivableRecordedInvestmentCurrentAndStillAccruing to czfs_FinancingReceivableRecordedInvestmentCurrentAndStillAccruing_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_PurchasedCreditImpairedLoans" xlink:label="PurchasedCreditImpairedLoans" xlink:title="PurchasedCreditImpairedLoans" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoans_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_PurchasedCreditImpairedLoans_lbl" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoans_lbl">Elements refers to Purchased credit impaired (PCI) loans.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasedCreditImpairedLoans" xlink:to="czfs_PurchasedCreditImpairedLoans_lbl" xlink:title="label: PurchasedCreditImpairedLoans to czfs_PurchasedCreditImpairedLoans_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoans_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_PurchasedCreditImpairedLoans_lbl1" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoans_lbl1">Purchased Credit Impaired Loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasedCreditImpairedLoans" xlink:to="czfs_PurchasedCreditImpairedLoans_lbl1" xlink:title="label: PurchasedCreditImpairedLoans to czfs_PurchasedCreditImpairedLoans_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoans_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_PurchasedCreditImpairedLoans_lbl2" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoans_lbl2">PCI</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasedCreditImpairedLoans" xlink:to="czfs_PurchasedCreditImpairedLoans_lbl2" xlink:title="label: PurchasedCreditImpairedLoans to czfs_PurchasedCreditImpairedLoans_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FinancingReceivablesOnNonaccrualStatusAbstract" xlink:label="FinancingReceivablesOnNonaccrualStatusAbstract" xlink:title="FinancingReceivablesOnNonaccrualStatusAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivablesOnNonaccrualStatusAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivablesOnNonaccrualStatusAbstract_lbl1" xml:lang="en-US" id="czfs_FinancingReceivablesOnNonaccrualStatusAbstract_lbl1">Financing receivables on nonaccrual status [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivablesOnNonaccrualStatusAbstract" xlink:to="czfs_FinancingReceivablesOnNonaccrualStatusAbstract_lbl1" xlink:title="label: FinancingReceivablesOnNonaccrualStatusAbstract to czfs_FinancingReceivablesOnNonaccrualStatusAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual" xlink:label="PeriodPastDueAfterWhichLoansConsideredAsNonAccrual" xlink:title="PeriodPastDueAfterWhichLoansConsideredAsNonAccrual" />
    <link:label xlink:type="resource" xlink:label="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl" xml:lang="en-US" id="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl">Refers to period of past due after which loans are considered as non accrual.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PeriodPastDueAfterWhichLoansConsideredAsNonAccrual" xlink:to="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl" xlink:title="label: PeriodPastDueAfterWhichLoansConsideredAsNonAccrual to czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl1" xml:lang="en-US" id="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl1">Period past due after which loans considered as non accrual</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PeriodPastDueAfterWhichLoansConsideredAsNonAccrual" xlink:to="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl1" xlink:title="label: PeriodPastDueAfterWhichLoansConsideredAsNonAccrual to czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl2" xml:lang="en-US" id="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl2">Period of past due after which loans considered as non accrual</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PeriodPastDueAfterWhichLoansConsideredAsNonAccrual" xlink:to="czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl2" xlink:title="label: PeriodPastDueAfterWhichLoansConsideredAsNonAccrual to czfs_PeriodPastDueAfterWhichLoansConsideredAsNonAccrual_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_PurchasedCreditImpairedLoansNonAccrual" xlink:label="PurchasedCreditImpairedLoansNonAccrual" xlink:title="PurchasedCreditImpairedLoansNonAccrual" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoansNonAccrual_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_PurchasedCreditImpairedLoansNonAccrual_lbl" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoansNonAccrual_lbl">Refers to purchase credit impaired loans that are non accrual.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasedCreditImpairedLoansNonAccrual" xlink:to="czfs_PurchasedCreditImpairedLoansNonAccrual_lbl" xlink:title="label: PurchasedCreditImpairedLoansNonAccrual to czfs_PurchasedCreditImpairedLoansNonAccrual_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoansNonAccrual_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_PurchasedCreditImpairedLoansNonAccrual_lbl1" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoansNonAccrual_lbl1">Purchased Credit Impaired Loans, Non accrual</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasedCreditImpairedLoansNonAccrual" xlink:to="czfs_PurchasedCreditImpairedLoansNonAccrual_lbl1" xlink:title="label: PurchasedCreditImpairedLoansNonAccrual to czfs_PurchasedCreditImpairedLoansNonAccrual_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoansNonAccrual_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_PurchasedCreditImpairedLoansNonAccrual_lbl2" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoansNonAccrual_lbl2">PCI Loans considered non accrual</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasedCreditImpairedLoansNonAccrual" xlink:to="czfs_PurchasedCreditImpairedLoansNonAccrual_lbl2" xlink:title="label: PurchasedCreditImpairedLoansNonAccrual to czfs_PurchasedCreditImpairedLoansNonAccrual_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual" xlink:label="FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual" xlink:title="FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl">Recorded investment in financing receivables that are past due and non accrual.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual" xlink:to="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl" xlink:title="label: FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual to czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl1">Financing Receivable Recorded Investment Total past Due And Non Accrual</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual" xlink:to="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl1" xlink:title="label: FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual to czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl2">Total past due and non-accrual</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual" xlink:to="czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl2" xlink:title="label: FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual to czfs_FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual" xlink:label="FinancingReceivableRecordedInvestmentCurrentAndNonAccrual" xlink:title="FinancingReceivableRecordedInvestmentCurrentAndNonAccrual" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl">Recorded investment in financing receivables that are current and non accrual.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentCurrentAndNonAccrual" xlink:to="czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl" xlink:title="label: FinancingReceivableRecordedInvestmentCurrentAndNonAccrual to czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_DocumentAndEntityInformationAbstract" xlink:label="DocumentAndEntityInformationAbstract" xlink:title="DocumentAndEntityInformationAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_DocumentAndEntityInformationAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DocumentAndEntityInformationAbstract_lbl1" xml:lang="en-US" id="czfs_DocumentAndEntityInformationAbstract_lbl1">Document and Entity Information [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract" xlink:label="SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract" xlink:title="SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality" xlink:label="FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality" xlink:title="FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl" xml:lang="en-US" id="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl">The balance of financing receivables that were acquired with deteriorated credit quality.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality" xlink:to="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl" xlink:title="label: FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality to czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl1">Financing Receivable, Loans Acquired With Deteriorated Credit Quality</link:label>
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    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl2">Loans acquired with deteriorated credit quality</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality" xlink:to="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl2" xlink:title="label: FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality to czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality" xlink:label="LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality" xlink:title="LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality_lbl" xml:lang="en-US" id="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality_lbl">Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale. Related to Loans acquired with deteriorated credit quality.</link:label>
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    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality_lbl1" xml:lang="en-US" id="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality_lbl1">Loans And Leases Receivable Net Reported Amount Related To Loans Acquired With Deteriorated Credit Quality</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality" xlink:to="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality_lbl1" xlink:title="label: LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality to czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality_lbl2" xml:lang="en-US" id="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality_lbl2">Net loans, loans acquired with deteriorated credit quality</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment" xlink:label="LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment" xlink:title="LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment_lbl" xml:lang="en-US" id="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment_lbl">Refers to Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale. Related to Individually evaluated for impairment.</link:label>
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    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment_lbl1" xml:lang="en-US" id="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment_lbl1">Loans And Leases Receivable Net Reported Amount Related To Individually evaluated for impairment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment" xlink:to="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment_lbl1" xlink:title="label: LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment to czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment_lbl2" xml:lang="en-US" id="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment_lbl2">Net loans, individually evaluated for impairment</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment" xlink:label="LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment" xlink:title="LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment_lbl" xml:lang="en-US" id="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment_lbl">Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale. Related to Collectively evaluated for impairment.</link:label>
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    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment_lbl1" xml:lang="en-US" id="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment_lbl1">Loans And Leases Receivable Net Reported Amount Related To Collectively evaluated for impairment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment" xlink:to="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment_lbl1" xlink:title="label: LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment to czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment_lbl2" xml:lang="en-US" id="czfs_LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment_lbl2">Net loans, collectively evaluated for impairment</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired" xlink:label="NumberOfDaysPastDueForLoanToBeConsideredImpaired" xlink:title="NumberOfDaysPastDueForLoanToBeConsideredImpaired" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl" xml:lang="en-US" id="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl">The number of days past due before a loan is classified as impaired.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfDaysPastDueForLoanToBeConsideredImpaired" xlink:to="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl" xlink:title="label: NumberOfDaysPastDueForLoanToBeConsideredImpaired to czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl1" xml:lang="en-US" id="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl1">Number of Days Past Due For Loan to be Considered Impaired</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfDaysPastDueForLoanToBeConsideredImpaired" xlink:to="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl1" xlink:title="label: NumberOfDaysPastDueForLoanToBeConsideredImpaired to czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl2" xml:lang="en-US" id="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl2">Number of days past for loan to be considered impaired, Minimum</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfDaysPastDueForLoanToBeConsideredImpaired" xlink:to="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl2" xlink:title="label: NumberOfDaysPastDueForLoanToBeConsideredImpaired to czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FirstNationalBankOfFredericksburgMember" xlink:label="FirstNationalBankOfFredericksburgMember" xlink:title="FirstNationalBankOfFredericksburgMember" />
    <link:label xlink:type="resource" xlink:label="czfs_FirstNationalBankOfFredericksburgMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FirstNationalBankOfFredericksburgMember_lbl" xml:lang="en-US" id="czfs_FirstNationalBankOfFredericksburgMember_lbl">Refers to the acquiree entity name.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FirstNationalBankOfFredericksburgMember" xlink:to="czfs_FirstNationalBankOfFredericksburgMember_lbl" xlink:title="label: FirstNationalBankOfFredericksburgMember to czfs_FirstNationalBankOfFredericksburgMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FirstNationalBankOfFredericksburgMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FirstNationalBankOfFredericksburgMember_lbl1" xml:lang="en-US" id="czfs_FirstNationalBankOfFredericksburgMember_lbl1">First National Bank of Fredericksburg [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FirstNationalBankOfFredericksburgMember" xlink:to="czfs_FirstNationalBankOfFredericksburgMember_lbl1" xlink:title="label: FirstNationalBankOfFredericksburgMember to czfs_FirstNationalBankOfFredericksburgMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FirstNationalBankOfFredericksburgMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FirstNationalBankOfFredericksburgMember_lbl2" xml:lang="en-US" id="czfs_FirstNationalBankOfFredericksburgMember_lbl2">First National Bank of Fredericksburg [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FirstNationalBankOfFredericksburgMember" xlink:to="czfs_FirstNationalBankOfFredericksburgMember_lbl2" xlink:title="label: FirstNationalBankOfFredericksburgMember to czfs_FirstNationalBankOfFredericksburgMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_PeriodOfMortgageOnRealEstate" xlink:label="PeriodOfMortgageOnRealEstate" xlink:title="PeriodOfMortgageOnRealEstate" />
    <link:label xlink:type="resource" xlink:label="czfs_PeriodOfMortgageOnRealEstate_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_PeriodOfMortgageOnRealEstate_lbl" xml:lang="en-US" id="czfs_PeriodOfMortgageOnRealEstate_lbl">Refers to period of mortgage on residential real estate.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PeriodOfMortgageOnRealEstate" xlink:to="czfs_PeriodOfMortgageOnRealEstate_lbl" xlink:title="label: PeriodOfMortgageOnRealEstate to czfs_PeriodOfMortgageOnRealEstate_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_PeriodOfMortgageOnRealEstate_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_PeriodOfMortgageOnRealEstate_lbl1" xml:lang="en-US" id="czfs_PeriodOfMortgageOnRealEstate_lbl1">Period of mortgage on real estate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PeriodOfMortgageOnRealEstate" xlink:to="czfs_PeriodOfMortgageOnRealEstate_lbl1" xlink:title="label: PeriodOfMortgageOnRealEstate to czfs_PeriodOfMortgageOnRealEstate_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_PeriodOfMortgageOnRealEstate_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_PeriodOfMortgageOnRealEstate_lbl2" xml:lang="en-US" id="czfs_PeriodOfMortgageOnRealEstate_lbl2">Period of mortgage on real estate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PeriodOfMortgageOnRealEstate" xlink:to="czfs_PeriodOfMortgageOnRealEstate_lbl2" xlink:title="label: PeriodOfMortgageOnRealEstate to czfs_PeriodOfMortgageOnRealEstate_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks" xlink:label="PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks" xlink:title="PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks" />
    <link:label xlink:type="resource" xlink:label="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl" xml:lang="en-US" id="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl">Payments to purchase Interest-bearing Time Deposits by banks in other financial institutions for relatively short periods of time including, for example, certificates of deposits.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks" xlink:to="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl" xlink:title="label: PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks to czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl1" xml:lang="en-US" id="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl1">Payments To Acquire Interest Bearing Time Deposits In Other Banks</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks" xlink:to="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl1" xlink:title="label: PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks to czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl2" xml:lang="en-US" id="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl2">Purchase of interest bearing time deposits with other banks</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks" xlink:to="czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl2" xlink:title="label: PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks to czfs_PaymentsToAcquireInterestBearingTimeDepositsInOtherBanks_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks" xlink:label="ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks" xlink:title="ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks" />
    <link:label xlink:type="resource" xlink:label="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl" xml:lang="en-US" id="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl">The net cash inflow or outflow in Interest-bearing after maturity Deposits by banks in other financial institutions for relatively short periods of time including, for example, certificates of deposits.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks" xlink:to="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl" xlink:title="label: ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks to czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl1" xml:lang="en-US" id="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl1">Proceeds from matured interest bearing time deposits with other banks</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks" xlink:to="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl1" xlink:title="label: ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks to czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl2" xml:lang="en-US" id="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl2">Proceeds from matured interest bearing time deposits with other banks</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks" xlink:to="czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl2" xlink:title="label: ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks to czfs_ProceedsFromMaturedInterestBearingTimeDepositsWithOtherBanks_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_InterestReceivableFairValueDisclosure" xlink:label="InterestReceivableFairValueDisclosure" xlink:title="InterestReceivableFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestReceivableFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestReceivableFairValueDisclosure_lbl" xml:lang="en-US" id="czfs_InterestReceivableFairValueDisclosure_lbl">Fair amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestReceivableFairValueDisclosure" xlink:to="czfs_InterestReceivableFairValueDisclosure_lbl" xlink:title="label: InterestReceivableFairValueDisclosure to czfs_InterestReceivableFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestReceivableFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestReceivableFairValueDisclosure_lbl1" xml:lang="en-US" id="czfs_InterestReceivableFairValueDisclosure_lbl1">Interest Receivable Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestReceivableFairValueDisclosure" xlink:to="czfs_InterestReceivableFairValueDisclosure_lbl1" xlink:title="label: InterestReceivableFairValueDisclosure to czfs_InterestReceivableFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestReceivableFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_InterestReceivableFairValueDisclosure_lbl2" xml:lang="en-US" id="czfs_InterestReceivableFairValueDisclosure_lbl2">Accrued interest receivable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestReceivableFairValueDisclosure" xlink:to="czfs_InterestReceivableFairValueDisclosure_lbl2" xlink:title="label: InterestReceivableFairValueDisclosure to czfs_InterestReceivableFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_AppraisedCollateralValuesMember" xlink:label="AppraisedCollateralValuesMember" xlink:title="AppraisedCollateralValuesMember" />
    <link:label xlink:type="resource" xlink:label="czfs_AppraisedCollateralValuesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AppraisedCollateralValuesMember_lbl" xml:lang="en-US" id="czfs_AppraisedCollateralValuesMember_lbl">Appraised collateral values valuation technique used to measure fair value.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AppraisedCollateralValuesMember" xlink:to="czfs_AppraisedCollateralValuesMember_lbl" xlink:title="label: AppraisedCollateralValuesMember to czfs_AppraisedCollateralValuesMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_AppraisedCollateralValuesMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AppraisedCollateralValuesMember_lbl1" xml:lang="en-US" id="czfs_AppraisedCollateralValuesMember_lbl1">Appraised Collateral Values [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AppraisedCollateralValuesMember" xlink:to="czfs_AppraisedCollateralValuesMember_lbl1" xlink:title="label: AppraisedCollateralValuesMember to czfs_AppraisedCollateralValuesMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ImpairedLoansMember" xlink:label="ImpairedLoansMember" xlink:title="ImpairedLoansMember" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedLoansMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ImpairedLoansMember_lbl" xml:lang="en-US" id="czfs_ImpairedLoansMember_lbl">Refers to impaired loans, which may include mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts, or any other loans which are due the as of the balance sheet date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansMember" xlink:to="czfs_ImpairedLoansMember_lbl" xlink:title="label: ImpairedLoansMember to czfs_ImpairedLoansMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedLoansMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ImpairedLoansMember_lbl1" xml:lang="en-US" id="czfs_ImpairedLoansMember_lbl1">Impaired Loans [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansMember" xlink:to="czfs_ImpairedLoansMember_lbl1" xlink:title="label: ImpairedLoansMember to czfs_ImpairedLoansMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_OtherRealEstateOwnedMember" xlink:label="OtherRealEstateOwnedMember" xlink:title="OtherRealEstateOwnedMember" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherRealEstateOwnedMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_OtherRealEstateOwnedMember_lbl" xml:lang="en-US" id="czfs_OtherRealEstateOwnedMember_lbl">Refers to amount as of the balance sheet date of all assets obtained in full or partial satisfaction of a debt arrangement through foreclosure proceedings or defeasance; includes real and personal property; equity interests in corporations, partnerships, and joint ventures; and beneficial interests in trusts.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherRealEstateOwnedMember" xlink:to="czfs_OtherRealEstateOwnedMember_lbl" xlink:title="label: OtherRealEstateOwnedMember to czfs_OtherRealEstateOwnedMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherRealEstateOwnedMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_OtherRealEstateOwnedMember_lbl1" xml:lang="en-US" id="czfs_OtherRealEstateOwnedMember_lbl1">Other real estate owned [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherRealEstateOwnedMember" xlink:to="czfs_OtherRealEstateOwnedMember_lbl1" xlink:title="label: OtherRealEstateOwnedMember to czfs_OtherRealEstateOwnedMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherRealEstateOwnedMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_OtherRealEstateOwnedMember_lbl2" xml:lang="en-US" id="czfs_OtherRealEstateOwnedMember_lbl2">Other Real Estate Owned [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherRealEstateOwnedMember" xlink:to="czfs_OtherRealEstateOwnedMember_lbl2" xlink:title="label: OtherRealEstateOwnedMember to czfs_OtherRealEstateOwnedMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FairValueInputsHoldingPeriod" xlink:label="FairValueInputsHoldingPeriod" xlink:title="FairValueInputsHoldingPeriod" />
    <link:label xlink:type="resource" xlink:label="czfs_FairValueInputsHoldingPeriod_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FairValueInputsHoldingPeriod_lbl" xml:lang="en-US" id="czfs_FairValueInputsHoldingPeriod_lbl">Holding period, used as an input to measure fair value.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueInputsHoldingPeriod" xlink:to="czfs_FairValueInputsHoldingPeriod_lbl" xlink:title="label: FairValueInputsHoldingPeriod to czfs_FairValueInputsHoldingPeriod_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FairValueInputsHoldingPeriod_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FairValueInputsHoldingPeriod_lbl1" xml:lang="en-US" id="czfs_FairValueInputsHoldingPeriod_lbl1">Fair Value Inputs Holding period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueInputsHoldingPeriod" xlink:to="czfs_FairValueInputsHoldingPeriod_lbl1" xlink:title="label: FairValueInputsHoldingPeriod to czfs_FairValueInputsHoldingPeriod_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FairValueInputsHoldingPeriod_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FairValueInputsHoldingPeriod_lbl2" xml:lang="en-US" id="czfs_FairValueInputsHoldingPeriod_lbl2">Holding period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueInputsHoldingPeriod" xlink:to="czfs_FairValueInputsHoldingPeriod_lbl2" xlink:title="label: FairValueInputsHoldingPeriod to czfs_FairValueInputsHoldingPeriod_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure" xlink:label="EquitySecuritiesInFinancialInstitutionsFairValueDisclosure" xlink:title="EquitySecuritiesInFinancialInstitutionsFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl" xml:lang="en-US" id="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl">This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents equity securities in financial institutions as of the balance sheet date when have been categorized as available-for-sale.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EquitySecuritiesInFinancialInstitutionsFairValueDisclosure" xlink:to="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl" xlink:title="label: EquitySecuritiesInFinancialInstitutionsFairValueDisclosure to czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl1" xml:lang="en-US" id="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl1">Equity securities in financial institutions fair value disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EquitySecuritiesInFinancialInstitutionsFairValueDisclosure" xlink:to="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl1" xlink:title="label: EquitySecuritiesInFinancialInstitutionsFairValueDisclosure to czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl2" xml:lang="en-US" id="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl2">Equity securities in financial institutions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EquitySecuritiesInFinancialInstitutionsFairValueDisclosure" xlink:to="czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl2" xlink:title="label: EquitySecuritiesInFinancialInstitutionsFairValueDisclosure to czfs_EquitySecuritiesInFinancialInstitutionsFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure" xlink:label="ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure" xlink:title="ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl" xml:lang="en-US" id="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl">This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents bonds or similar securities issued by state, city, province, or local governments or their agencies in either the United States or a foreign country. Debt securities issued by state governments or provinces may include bond issuances of US state or foreign authorities. Debt securities issued by political subdivisions or US states may include debt issuances by county, borough, city, or municipal governments.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure" xlink:to="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl" xlink:title="label: ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure to czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl1" xml:lang="en-US" id="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl1">Obligations of state and political subdivisions fair value disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure" xlink:to="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl1" xlink:title="label: ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure to czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl2" xml:lang="en-US" id="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl2">Obligations of state and political subdivisions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure" xlink:to="czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl2" xlink:title="label: ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure to czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_CorporateObligationsFairValueDisclosure" xlink:label="CorporateObligationsFairValueDisclosure" xlink:title="CorporateObligationsFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="czfs_CorporateObligationsFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_CorporateObligationsFairValueDisclosure_lbl" xml:lang="en-US" id="czfs_CorporateObligationsFairValueDisclosure_lbl">This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents corporate obligations issued debt securities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CorporateObligationsFairValueDisclosure" xlink:to="czfs_CorporateObligationsFairValueDisclosure_lbl" xlink:title="label: CorporateObligationsFairValueDisclosure to czfs_CorporateObligationsFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_CorporateObligationsFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_CorporateObligationsFairValueDisclosure_lbl1" xml:lang="en-US" id="czfs_CorporateObligationsFairValueDisclosure_lbl1">Corporate obligations Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CorporateObligationsFairValueDisclosure" xlink:to="czfs_CorporateObligationsFairValueDisclosure_lbl1" xlink:title="label: CorporateObligationsFairValueDisclosure to czfs_CorporateObligationsFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_CorporateObligationsFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_CorporateObligationsFairValueDisclosure_lbl2" xml:lang="en-US" id="czfs_CorporateObligationsFairValueDisclosure_lbl2">Corporate obligations</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CorporateObligationsFairValueDisclosure" xlink:to="czfs_CorporateObligationsFairValueDisclosure_lbl2" xlink:title="label: CorporateObligationsFairValueDisclosure to czfs_CorporateObligationsFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_USAgencySecuritiesFairValueDisclosure" xlink:label="USAgencySecuritiesFairValueDisclosure" xlink:title="USAgencySecuritiesFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="czfs_USAgencySecuritiesFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_USAgencySecuritiesFairValueDisclosure_lbl" xml:lang="en-US" id="czfs_USAgencySecuritiesFairValueDisclosure_lbl">This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents U.S. agency issued debt securities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="USAgencySecuritiesFairValueDisclosure" xlink:to="czfs_USAgencySecuritiesFairValueDisclosure_lbl" xlink:title="label: USAgencySecuritiesFairValueDisclosure to czfs_USAgencySecuritiesFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_USAgencySecuritiesFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_USAgencySecuritiesFairValueDisclosure_lbl1" xml:lang="en-US" id="czfs_USAgencySecuritiesFairValueDisclosure_lbl1">U.S. agency securities Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="USAgencySecuritiesFairValueDisclosure" xlink:to="czfs_USAgencySecuritiesFairValueDisclosure_lbl1" xlink:title="label: USAgencySecuritiesFairValueDisclosure to czfs_USAgencySecuritiesFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_USAgencySecuritiesFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_USAgencySecuritiesFairValueDisclosure_lbl2" xml:lang="en-US" id="czfs_USAgencySecuritiesFairValueDisclosure_lbl2">U.S. Agency Securities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="USAgencySecuritiesFairValueDisclosure" xlink:to="czfs_USAgencySecuritiesFairValueDisclosure_lbl2" xlink:title="label: USAgencySecuritiesFairValueDisclosure to czfs_USAgencySecuritiesFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract" xlink:label="FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract" xlink:title="FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract_lbl1" xml:lang="en-US" id="czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract_lbl1">Fair Value Assets And Liabilities Measured On NonRecurring Basis [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract" xlink:to="czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract_lbl1" xlink:title="label: FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract to czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract_lbl2" xml:lang="en-US" id="czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract_lbl2">Fair value assets and liabilities measured on non-recurring basis [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract" xlink:to="czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract_lbl2" xlink:title="label: FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract to czfs_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ImpairedLoansEstimatedSellingCost" xlink:label="ImpairedLoansEstimatedSellingCost" xlink:title="ImpairedLoansEstimatedSellingCost" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedLoansEstimatedSellingCost_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ImpairedLoansEstimatedSellingCost_lbl" xml:lang="en-US" id="czfs_ImpairedLoansEstimatedSellingCost_lbl">Refers to the estimated selling cost of impaired loans excluded from calculation of fair value.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansEstimatedSellingCost" xlink:to="czfs_ImpairedLoansEstimatedSellingCost_lbl" xlink:title="label: ImpairedLoansEstimatedSellingCost to czfs_ImpairedLoansEstimatedSellingCost_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedLoansEstimatedSellingCost_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ImpairedLoansEstimatedSellingCost_lbl1" xml:lang="en-US" id="czfs_ImpairedLoansEstimatedSellingCost_lbl1">Impaired loans Estimated Selling Cost</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansEstimatedSellingCost" xlink:to="czfs_ImpairedLoansEstimatedSellingCost_lbl1" xlink:title="label: ImpairedLoansEstimatedSellingCost to czfs_ImpairedLoansEstimatedSellingCost_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedLoansEstimatedSellingCost_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ImpairedLoansEstimatedSellingCost_lbl2" xml:lang="en-US" id="czfs_ImpairedLoansEstimatedSellingCost_lbl2">Impaired loans, estimated selling cost</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansEstimatedSellingCost" xlink:to="czfs_ImpairedLoansEstimatedSellingCost_lbl2" xlink:title="label: ImpairedLoansEstimatedSellingCost to czfs_ImpairedLoansEstimatedSellingCost_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_USTreasuriesSecuritiesFairValueDislosure" xlink:label="USTreasuriesSecuritiesFairValueDislosure" xlink:title="USTreasuriesSecuritiesFairValueDislosure" />
    <link:label xlink:type="resource" xlink:label="czfs_USTreasuriesSecuritiesFairValueDislosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_USTreasuriesSecuritiesFairValueDislosure_lbl" xml:lang="en-US" id="czfs_USTreasuriesSecuritiesFairValueDislosure_lbl">This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents U.S. treasury issued debt securities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="USTreasuriesSecuritiesFairValueDislosure" xlink:to="czfs_USTreasuriesSecuritiesFairValueDislosure_lbl" xlink:title="label: USTreasuriesSecuritiesFairValueDislosure to czfs_USTreasuriesSecuritiesFairValueDislosure_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_USTreasuriesSecuritiesFairValueDislosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_USTreasuriesSecuritiesFairValueDislosure_lbl1" xml:lang="en-US" id="czfs_USTreasuriesSecuritiesFairValueDislosure_lbl1">U.S. treasuries securities Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="USTreasuriesSecuritiesFairValueDislosure" xlink:to="czfs_USTreasuriesSecuritiesFairValueDislosure_lbl1" xlink:title="label: USTreasuriesSecuritiesFairValueDislosure to czfs_USTreasuriesSecuritiesFairValueDislosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_USTreasuriesSecuritiesFairValueDislosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_USTreasuriesSecuritiesFairValueDislosure_lbl2" xml:lang="en-US" id="czfs_USTreasuriesSecuritiesFairValueDislosure_lbl2">U.S. Treasury securities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="USTreasuriesSecuritiesFairValueDislosure" xlink:to="czfs_USTreasuriesSecuritiesFairValueDislosure_lbl2" xlink:title="label: USTreasuriesSecuritiesFairValueDislosure to czfs_USTreasuriesSecuritiesFairValueDislosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ConsumerResidentialMortgagesMember" xlink:label="ConsumerResidentialMortgagesMember" xlink:title="ConsumerResidentialMortgagesMember" />
    <link:label xlink:type="resource" xlink:label="czfs_ConsumerResidentialMortgagesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ConsumerResidentialMortgagesMember_lbl" xml:lang="en-US" id="czfs_ConsumerResidentialMortgagesMember_lbl">Represents information about consumer residential mortgages.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConsumerResidentialMortgagesMember" xlink:to="czfs_ConsumerResidentialMortgagesMember_lbl" xlink:title="label: ConsumerResidentialMortgagesMember to czfs_ConsumerResidentialMortgagesMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ConsumerResidentialMortgagesMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ConsumerResidentialMortgagesMember_lbl1" xml:lang="en-US" id="czfs_ConsumerResidentialMortgagesMember_lbl1">Consumer Residential Mortgages [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConsumerResidentialMortgagesMember" xlink:to="czfs_ConsumerResidentialMortgagesMember_lbl1" xlink:title="label: ConsumerResidentialMortgagesMember to czfs_ConsumerResidentialMortgagesMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ConcentrationRiskAbstract" xlink:label="ConcentrationRiskAbstract" xlink:title="ConcentrationRiskAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_ConcentrationRiskAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ConcentrationRiskAbstract_lbl1" xml:lang="en-US" id="czfs_ConcentrationRiskAbstract_lbl1">Concentration Risk [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConcentrationRiskAbstract" xlink:to="czfs_ConcentrationRiskAbstract_lbl1" xlink:title="label: ConcentrationRiskAbstract to czfs_ConcentrationRiskAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ConcentrationRiskAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ConcentrationRiskAbstract_lbl2" xml:lang="en-US" id="czfs_ConcentrationRiskAbstract_lbl2">Concentration Risk [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConcentrationRiskAbstract" xlink:to="czfs_ConcentrationRiskAbstract_lbl2" xlink:title="label: ConcentrationRiskAbstract to czfs_ConcentrationRiskAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ProductsAndServicesNotWithinScopeOfASC606Member" xlink:label="ProductsAndServicesNotWithinScopeOfASC606Member" xlink:title="ProductsAndServicesNotWithinScopeOfASC606Member" />
    <link:label xlink:type="resource" xlink:label="czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl" xml:lang="en-US" id="czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl">Primary sources of revenue emanating from interest and dividend income on loans and investment along with noninterest revenue resulting from investment security gains, loan servicing, gains on the sale of loans, commitment fees, fees from financial guarantees and earnings on bank owned life insurances</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProductsAndServicesNotWithinScopeOfASC606Member" xlink:to="czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl" xlink:title="label: ProductsAndServicesNotWithinScopeOfASC606Member to czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl1" xml:lang="en-US" id="czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl1">Products and Services Not within Scope of ASC 606 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProductsAndServicesNotWithinScopeOfASC606Member" xlink:to="czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl1" xlink:title="label: ProductsAndServicesNotWithinScopeOfASC606Member to czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl2" xml:lang="en-US" id="czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl2">Products and Services Not within the Scope of ASC 606 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProductsAndServicesNotWithinScopeOfASC606Member" xlink:to="czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl2" xlink:title="label: ProductsAndServicesNotWithinScopeOfASC606Member to czfs_ProductsAndServicesNotWithinScopeOfASC606Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_AutomatedTellerMachineIncomeMember" xlink:label="AutomatedTellerMachineIncomeMember" xlink:title="AutomatedTellerMachineIncomeMember" />
    <link:label xlink:type="resource" xlink:label="czfs_AutomatedTellerMachineIncomeMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AutomatedTellerMachineIncomeMember_lbl" xml:lang="en-US" id="czfs_AutomatedTellerMachineIncomeMember_lbl">ATM usage fees are the fees that many banks and interbank networks charge for the use of their automated teller machines (ATMs). In some cases, these fees are assessed solely for non-members of the bank; in other cases, they apply to all users.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AutomatedTellerMachineIncomeMember" xlink:to="czfs_AutomatedTellerMachineIncomeMember_lbl" xlink:title="label: AutomatedTellerMachineIncomeMember to czfs_AutomatedTellerMachineIncomeMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_AutomatedTellerMachineIncomeMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AutomatedTellerMachineIncomeMember_lbl1" xml:lang="en-US" id="czfs_AutomatedTellerMachineIncomeMember_lbl1">Automated Teller Machine Income [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AutomatedTellerMachineIncomeMember" xlink:to="czfs_AutomatedTellerMachineIncomeMember_lbl1" xlink:title="label: AutomatedTellerMachineIncomeMember to czfs_AutomatedTellerMachineIncomeMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AutomatedTellerMachineIncomeMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AutomatedTellerMachineIncomeMember_lbl2" xml:lang="en-US" id="czfs_AutomatedTellerMachineIncomeMember_lbl2">ATM Income [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AutomatedTellerMachineIncomeMember" xlink:to="czfs_AutomatedTellerMachineIncomeMember_lbl2" xlink:title="label: AutomatedTellerMachineIncomeMember to czfs_AutomatedTellerMachineIncomeMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_StatementFeesMember" xlink:label="StatementFeesMember" xlink:title="StatementFeesMember" />
    <link:label xlink:type="resource" xlink:label="czfs_StatementFeesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_StatementFeesMember_lbl" xml:lang="en-US" id="czfs_StatementFeesMember_lbl">Statement fees is a monthly or annual maintenance fees for certain accounts.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StatementFeesMember" xlink:to="czfs_StatementFeesMember_lbl" xlink:title="label: StatementFeesMember to czfs_StatementFeesMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_StatementFeesMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_StatementFeesMember_lbl1" xml:lang="en-US" id="czfs_StatementFeesMember_lbl1">Statement Fees [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StatementFeesMember" xlink:to="czfs_StatementFeesMember_lbl1" xlink:title="label: StatementFeesMember to czfs_StatementFeesMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_StatementFeesMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_StatementFeesMember_lbl2" xml:lang="en-US" id="czfs_StatementFeesMember_lbl2">Statement Fees [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StatementFeesMember" xlink:to="czfs_StatementFeesMember_lbl2" xlink:title="label: StatementFeesMember to czfs_StatementFeesMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_InterchangeRevenueMember" xlink:label="InterchangeRevenueMember" xlink:title="InterchangeRevenueMember" />
    <link:label xlink:type="resource" xlink:label="czfs_InterchangeRevenueMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterchangeRevenueMember_lbl" xml:lang="en-US" id="czfs_InterchangeRevenueMember_lbl">Interchange rate is a fee charged by banks that covers the cost of handling and credit risk inherent in a bank credit or debit card transaction. Interchange fees are usually paid to the bank funding a transaction and thus bearing the risk.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterchangeRevenueMember" xlink:to="czfs_InterchangeRevenueMember_lbl" xlink:title="label: InterchangeRevenueMember to czfs_InterchangeRevenueMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterchangeRevenueMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterchangeRevenueMember_lbl1" xml:lang="en-US" id="czfs_InterchangeRevenueMember_lbl1">Interchange Revenue [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterchangeRevenueMember" xlink:to="czfs_InterchangeRevenueMember_lbl1" xlink:title="label: InterchangeRevenueMember to czfs_InterchangeRevenueMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InterchangeRevenueMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_InterchangeRevenueMember_lbl2" xml:lang="en-US" id="czfs_InterchangeRevenueMember_lbl2">Interchange Revenue [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterchangeRevenueMember" xlink:to="czfs_InterchangeRevenueMember_lbl2" xlink:title="label: InterchangeRevenueMember to czfs_InterchangeRevenueMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_ServiceChargesOnDepositAccountsOtherMember" xlink:label="ServiceChargesOnDepositAccountsOtherMember" xlink:title="ServiceChargesOnDepositAccountsOtherMember" />
    <link:label xlink:type="resource" xlink:label="czfs_ServiceChargesOnDepositAccountsOtherMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ServiceChargesOnDepositAccountsOtherMember_lbl" xml:lang="en-US" id="czfs_ServiceChargesOnDepositAccountsOtherMember_lbl">Financial institution providing services on deposit accounts. Services include, but are not limited to, overdraft fees, statement fees, interchange revenue, ATM income, classified as other.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServiceChargesOnDepositAccountsOtherMember" xlink:to="czfs_ServiceChargesOnDepositAccountsOtherMember_lbl" xlink:title="label: ServiceChargesOnDepositAccountsOtherMember to czfs_ServiceChargesOnDepositAccountsOtherMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ServiceChargesOnDepositAccountsOtherMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ServiceChargesOnDepositAccountsOtherMember_lbl1" xml:lang="en-US" id="czfs_ServiceChargesOnDepositAccountsOtherMember_lbl1">Service Charges on Deposit Accounts, Other [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServiceChargesOnDepositAccountsOtherMember" xlink:to="czfs_ServiceChargesOnDepositAccountsOtherMember_lbl1" xlink:title="label: ServiceChargesOnDepositAccountsOtherMember to czfs_ServiceChargesOnDepositAccountsOtherMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ServiceChargesOnDepositAccountsOtherMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ServiceChargesOnDepositAccountsOtherMember_lbl2" xml:lang="en-US" id="czfs_ServiceChargesOnDepositAccountsOtherMember_lbl2">Other Service Charges [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServiceChargesOnDepositAccountsOtherMember" xlink:to="czfs_ServiceChargesOnDepositAccountsOtherMember_lbl2" xlink:title="label: ServiceChargesOnDepositAccountsOtherMember to czfs_ServiceChargesOnDepositAccountsOtherMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20180930.xsd#czfs_OverdraftFeesMember" xlink:label="OverdraftFeesMember" xlink:title="OverdraftFeesMember" />
    <link:label xlink:type="resource" xlink:label="czfs_OverdraftFeesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_OverdraftFeesMember_lbl" xml:lang="en-US" id="czfs_OverdraftFeesMember_lbl">A fee charged when a withdrawal from an individual's bank account exceeds the available balance. The bank will institute such a fee to cover the cost of the transaction. Overdraft fees vary by financial institution and can be incurred for each transaction going over the available account balance.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OverdraftFeesMember" xlink:to="czfs_OverdraftFeesMember_lbl" xlink:title="label: OverdraftFeesMember to czfs_OverdraftFeesMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_OverdraftFeesMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_OverdraftFeesMember_lbl1" xml:lang="en-US" id="czfs_OverdraftFeesMember_lbl1">Overdraft Fees [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OverdraftFeesMember" xlink:to="czfs_OverdraftFeesMember_lbl1" xlink:title="label: OverdraftFeesMember to czfs_OverdraftFeesMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_OverdraftFeesMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_OverdraftFeesMember_lbl2" xml:lang="en-US" id="czfs_OverdraftFeesMember_lbl2">Overdraft Fees [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OverdraftFeesMember" xlink:to="czfs_OverdraftFeesMember_lbl2" xlink:title="label: OverdraftFeesMember to czfs_OverdraftFeesMember_lbl2" />
  </link:labelLink>
</link:linkbase>
