<SEC-DOCUMENT>0000739421-20-000023-index.html : 20200330
<SEC-HEADER>0000739421-20-000023.hdr.sgml : 20200330
<ACCEPTANCE-DATETIME>20200330091530
ACCESSION NUMBER:		0000739421-20-000023
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		39
CONFORMED PERIOD OF REPORT:	20200330
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200330
DATE AS OF CHANGE:		20200330

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000739421
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				232265045
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-13222
		FILM NUMBER:		20754340

	BUSINESS ADDRESS:	
		STREET 1:		15 S MAIN ST
		CITY:			MANSFIELD
		STATE:			PA
		ZIP:			16933
		BUSINESS PHONE:		570-662-0444

	MAIL ADDRESS:	
		STREET 1:		15 S MAIN ST
		CITY:			MANSFIELD
		STATE:			PA
		ZIP:			16933
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>investorshowmar2020.htm
<DESCRIPTION>MARCH 2020 INVESTOR PRESENTATION
<TEXT>
Document 1 - file: investorshowmar2020.htm

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>investorshowmar2020slide1.jpg
<TEXT>
Document 2 - file: investorshowmar2020slide1.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>investorshowmar2020slide2.jpg
<TEXT>
Document 3 - file: investorshowmar2020slide2.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>investorshowmar2020slide3.jpg
<TEXT>
Document 4 - file: investorshowmar2020slide3.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>investorshowmar2020slide4.jpg
<TEXT>
Document 5 - file: investorshowmar2020slide4.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>investorshowmar2020slide5.jpg
<TEXT>
Document 6 - file: investorshowmar2020slide5.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>investorshowmar2020slide6.jpg
<TEXT>
Document 7 - file: investorshowmar2020slide6.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>investorshowmar2020slide7.jpg
<TEXT>
Document 8 - file: investorshowmar2020slide7.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>investorshowmar2020slide8.jpg
<TEXT>
Document 9 - file: investorshowmar2020slide8.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>investorshowmar2020slide9.jpg
<TEXT>
Document 10 - file: investorshowmar2020slide9.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>investorshowmar2020slide10.jpg
<TEXT>
Document 11 - file: investorshowmar2020slide10.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>investorshowmar2020slide11.jpg
<TEXT>
Document 12 - file: investorshowmar2020slide11.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>investorshowmar2020slide12.jpg
<TEXT>
Document 13 - file: investorshowmar2020slide12.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>investorshowmar2020slide13.jpg
<TEXT>
Document 14 - file: investorshowmar2020slide13.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>investorshowmar2020slide14.jpg
<TEXT>
Document 15 - file: investorshowmar2020slide14.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>investorshowmar2020slide15.jpg
<TEXT>
Document 16 - file: investorshowmar2020slide15.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>17
<FILENAME>investorshowmar2020slide16.jpg
<TEXT>
Document 17 - file: investorshowmar2020slide16.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>18
<FILENAME>investorshowmar2020slide17.jpg
<TEXT>
Document 18 - file: investorshowmar2020slide17.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>19
<FILENAME>investorshowmar2020slide18.jpg
<TEXT>
Document 19 - file: investorshowmar2020slide18.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>20
<FILENAME>investorshowmar2020slide19.jpg
<TEXT>
Document 20 - file: investorshowmar2020slide19.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>21
<FILENAME>investorshowmar2020slide20.jpg
<TEXT>
Document 21 - file: investorshowmar2020slide20.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>22
<FILENAME>investorshowmar2020slide21.jpg
<TEXT>
Document 22 - file: investorshowmar2020slide21.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>23
<FILENAME>investorshowmar2020slide22.jpg
<TEXT>
Document 23 - file: investorshowmar2020slide22.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>24
<FILENAME>investorshowmar2020slide23.jpg
<TEXT>
Document 24 - file: investorshowmar2020slide23.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>25
<FILENAME>investorshowmar2020slide24.jpg
<TEXT>
Document 25 - file: investorshowmar2020slide24.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>26
<FILENAME>investorshowmar2020slide25.jpg
<TEXT>
Document 26 - file: investorshowmar2020slide25.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>27
<FILENAME>investorshowmar2020slide26.jpg
<TEXT>
Document 27 - file: investorshowmar2020slide26.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>28
<FILENAME>investorshowmar2020slide27.jpg
<TEXT>
Document 28 - file: investorshowmar2020slide27.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>29
<FILENAME>investorshowmar2020slide28.jpg
<TEXT>
Document 29 - file: investorshowmar2020slide28.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>30
<FILENAME>investorshowmar2020slide29.jpg
<TEXT>
Document 30 - file: investorshowmar2020slide29.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>31
<FILENAME>investorshowmar2020slide30.jpg
<TEXT>
Document 31 - file: investorshowmar2020slide30.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>32
<FILENAME>investorshowmar2020slide31.jpg
<TEXT>
Document 32 - file: investorshowmar2020slide31.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>33
<FILENAME>investorshowmar2020slide32.jpg
<TEXT>
Document 33 - file: investorshowmar2020slide32.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>34
<FILENAME>investorshowmar2020slide33.jpg
<TEXT>
Document 34 - file: investorshowmar2020slide33.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>35
<FILENAME>investorshowmar2020slide34.jpg
<TEXT>
Document 35 - file: investorshowmar2020slide34.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>36
<FILENAME>investorshowmar2020slide35.jpg
<TEXT>
Document 36 - file: investorshowmar2020slide35.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>37
<FILENAME>investorshowmar2020slide36.jpg
<TEXT>
Document 37 - file: investorshowmar2020slide36.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>38
<FILENAME>investorshowmar2020slide37.jpg
<TEXT>
Document 38 - file: investorshowmar2020slide37.jpg

</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>39
<FILENAME>investorshowmar2020slide38.jpg
<TEXT>
Document 39 - file: investorshowmar2020slide38.jpg

</DOCUMENT>
</SEC-DOCUMENT>