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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonEquityTierOneCapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_lbl1" xlink:title="label: CommonEquityTierOneCapitalRequiredToBeWellCapitalized to us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonEquityTierOneCapital" xlink:label="CommonEquityTierOneCapital" xlink:title="CommonEquityTierOneCapital" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommonEquityTierOneCapital_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_CommonEquityTierOneCapital_lbl" xml:lang="en-US" id="us-gaap_CommonEquityTierOneCapital_lbl">Common equity tier 1 capital (to risk weighted assets)</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:title="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:label="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:title="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:label="DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:title="DefinedBenefitPlanChangeInBenefitObligationRollForward" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_lbl">Change in benefit obligation [Roll Forward]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:to="us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_lbl" xlink:title="label: DefinedBenefitPlanChangeInBenefitObligationRollForward to us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitObligation" xlink:label="DefinedBenefitPlanBenefitObligation" xlink:title="DefinedBenefitPlanBenefitObligation" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanBenefitObligation_lbl" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="us-gaap_DefinedBenefitPlanBenefitObligation_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanBenefitObligation_lbl">Benefit obligation at beginning of year</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanBenefitObligation" xlink:to="us-gaap_DefinedBenefitPlanBenefitObligation_lbl" xlink:title="label: DefinedBenefitPlanBenefitObligation to us-gaap_DefinedBenefitPlanBenefitObligation_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanBenefitObligation_lbl1" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="us-gaap_DefinedBenefitPlanBenefitObligation_lbl1" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanBenefitObligation_lbl1">Benefit obligation at end of year</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanBenefitObligation_lbl2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlanBenefitObligation_lbl2" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanBenefitObligation_lbl2">Defined Benefit Plan, Benefit Obligation</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanBenefitObligation" xlink:to="us-gaap_DefinedBenefitPlanBenefitObligation_lbl2" xlink:title="label: DefinedBenefitPlanBenefitObligation to us-gaap_DefinedBenefitPlanBenefitObligation_lbl2" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:label="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:title="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_lbl">Expected long-term return on plan assets</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:label="DefinedBenefitPlanContributionsByEmployer" xlink:title="DefinedBenefitPlanContributionsByEmployer" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:label="DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:title="DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_lbl">Change in plan assets [Roll Forward]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:to="us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_lbl" xlink:title="label: DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward to us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:label="DefinedBenefitPlanNetPeriodicBenefitCost" xlink:title="DefinedBenefitPlanNetPeriodicBenefitCost" />
    <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:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl1" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl1">Defined Benefit Plan, Net Periodic Benefit Cost (Credit)</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>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract" xlink:label="DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract" xlink:title="DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract_lbl">Expected future benefit payments [Abstract]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl">Fair value of plan assets</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl1" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl1">Fair value of plan assets at end of year</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl2" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl2" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl2">Fair value of plan assets at beginning of year</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl3" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl3">Defined Benefit Plan, Plan Assets, Amount</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract" xlink:label="DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract" xlink:title="DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:label="DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:title="DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_lbl" xml:lang="en-US" id="us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_lbl">DERIVATIVE FINANCIAL INSTRUMENTS [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:label="DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:title="DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeNetAbstract" xlink:label="DerivativeFairValueOfDerivativeNetAbstract" xlink:title="DerivativeFairValueOfDerivativeNetAbstract" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_DerivativeBasisSpreadOnVariableRate_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_DerivativeBasisSpreadOnVariableRate_lbl" xml:lang="en-US" id="us-gaap_DerivativeBasisSpreadOnVariableRate_lbl">Basis spread on variable rate</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DerivativesFairValueLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DerivativesFairValueLineItems_lbl" xml:lang="en-US" id="us-gaap_DerivativesFairValueLineItems_lbl">Derivatives, Fair Value [Line Items]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DividendsCommonStockCash_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DividendsCommonStockCash_lbl1" xml:lang="en-US" id="us-gaap_DividendsCommonStockCash_lbl1">Dividends, Common Stock, Cash</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DividendsStock" xlink:label="DividendsStock" xlink:title="DividendsStock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DividendsStock_lbl" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_DividendsStock_lbl" xml:lang="en-US" id="us-gaap_DividendsStock_lbl">Stock dividend</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsStock" xlink:to="us-gaap_DividendsStock_lbl" xlink:title="label: DividendsStock to us-gaap_DividendsStock_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DividendsStock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DividendsStock_lbl1" xml:lang="en-US" id="us-gaap_DividendsStock_lbl1">Dividends, Stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsStock" xlink:to="us-gaap_DividendsStock_lbl1" xlink:title="label: DividendsStock to us-gaap_DividendsStock_lbl1" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_DividendsPaidinkind_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DividendsPaidinkind_lbl" xml:lang="en-US" id="us-gaap_DividendsPaidinkind_lbl">Stock dividend</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsPaidinkind" xlink:to="us-gaap_DividendsPaidinkind_lbl" xlink:title="label: DividendsPaidinkind to us-gaap_DividendsPaidinkind_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DomesticCorporateDebtSecuritiesMember" xlink:label="DomesticCorporateDebtSecuritiesMember" xlink:title="DomesticCorporateDebtSecuritiesMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DomesticCorporateDebtSecuritiesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DomesticCorporateDebtSecuritiesMember_lbl" xml:lang="en-US" id="us-gaap_DomesticCorporateDebtSecuritiesMember_lbl">Corporate Bonds [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DomesticCorporateDebtSecuritiesMember" xlink:to="us-gaap_DomesticCorporateDebtSecuritiesMember_lbl" xlink:title="label: DomesticCorporateDebtSecuritiesMember to us-gaap_DomesticCorporateDebtSecuritiesMember_lbl" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_EarningsPerShareBasicAndDilutedAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EarningsPerShareBasicAndDilutedAbstract_lbl" xml:lang="en-US" id="us-gaap_EarningsPerShareBasicAndDilutedAbstract_lbl">Computation of earnings per share [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock" xlink:label="EarningsPerSharePolicyTextBlock" xlink:title="EarningsPerSharePolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EarningsPerSharePolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EarningsPerSharePolicyTextBlock_lbl" xml:lang="en-US" id="us-gaap_EarningsPerSharePolicyTextBlock_lbl">Earnings Per Share</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="EarningsPerShareBasic" xlink:title="EarningsPerShareBasic" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EarningsPerShareBasic_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_EarningsPerShareBasic_lbl" xml:lang="en-US" id="us-gaap_EarningsPerShareBasic_lbl">EARNINGS PER SHARE - BASIC (in dollars per share)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_EarningsPerShareBasic_lbl1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_EarningsPerShareBasic_lbl1" xml:lang="en-US" id="us-gaap_EarningsPerShareBasic_lbl1">Earnings per share - basic (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareBasic" xlink:to="us-gaap_EarningsPerShareBasic_lbl1" xlink:title="label: EarningsPerShareBasic to us-gaap_EarningsPerShareBasic_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EarningsPerShareBasic_lbl2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EarningsPerShareBasic_lbl2" xml:lang="en-US" id="us-gaap_EarningsPerShareBasic_lbl2">Earnings Per Share Basic (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareBasic" xlink:to="us-gaap_EarningsPerShareBasic_lbl2" xlink:title="label: EarningsPerShareBasic to us-gaap_EarningsPerShareBasic_lbl2" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="EarningsPerShareBasicAbstract" xlink:title="EarningsPerShareBasicAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EarningsPerShareBasicAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_EarningsPerShareBasicAbstract_lbl" xml:lang="en-US" id="us-gaap_EarningsPerShareBasicAbstract_lbl">Basic earnings per share computation [Abstract]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_EarningsPerShareBasicAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EarningsPerShareBasicAbstract_lbl1" xml:lang="en-US" id="us-gaap_EarningsPerShareBasicAbstract_lbl1">Earnings Per Share, Basic [Abstract]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_lbl1" xml:lang="en-US" id="us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_lbl1">Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1" xlink:to="us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_lbl1" xlink:title="label: FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 to us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:label="FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:title="FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:label="FinancingReceivables60To89DaysPastDueMember" xlink:title="FinancingReceivables60To89DaysPastDueMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FinancingReceivables60To89DaysPastDueMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FinancingReceivables60To89DaysPastDueMember_lbl" xml:lang="en-US" id="us-gaap_FinancingReceivables60To89DaysPastDueMember_lbl">60 to 89 Days Past Due [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:label="FinancingReceivables30To59DaysPastDueMember" xlink:title="FinancingReceivables30To59DaysPastDueMember" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:label="FinancingReceivablesPeriodPastDueAxis" xlink:title="FinancingReceivablesPeriodPastDueAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FinancingReceivablesPeriodPastDueAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FinancingReceivablesPeriodPastDueAxis_lbl" xml:lang="en-US" id="us-gaap_FinancingReceivablesPeriodPastDueAxis_lbl">Financing Receivables, Period Past Due [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" xlink:label="FinancingReceivableModificationsPreModificationRecordedInvestment2" xlink:title="FinancingReceivableModificationsPreModificationRecordedInvestment2" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_lbl1" xml:lang="en-US" id="us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_lbl1">Finite-Lived Intangible Asset, Expected Amortization, after Year Five</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FiniteLivedIntangibleAssetsGross_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_FiniteLivedIntangibleAssetsGross_lbl" xml:lang="en-US" id="us-gaap_FiniteLivedIntangibleAssetsGross_lbl">Gross carrying value</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FiniteLivedIntangibleAssetsGross_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FiniteLivedIntangibleAssetsGross_lbl1" xml:lang="en-US" id="us-gaap_FiniteLivedIntangibleAssetsGross_lbl1">Finite-Lived Intangible Assets, Gross</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_lbl" xml:lang="en-US" id="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_lbl">Finite-Lived Intangible Assets by Major Class [Axis]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_IncomeTaxReconciliationTaxExemptIncome_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_IncomeTaxReconciliationTaxExemptIncome_lbl1" xml:lang="en-US" id="us-gaap_IncomeTaxReconciliationTaxExemptIncome_lbl1">Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationTaxExemptIncome" xlink:to="us-gaap_IncomeTaxReconciliationTaxExemptIncome_lbl1" xlink:title="label: IncomeTaxReconciliationTaxExemptIncome to us-gaap_IncomeTaxReconciliationTaxExemptIncome_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock" xlink:label="IncomeTaxPolicyTextBlock" xlink:title="IncomeTaxPolicyTextBlock" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:label="IncomeTaxesPaid" xlink:title="IncomeTaxesPaid" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:label="IncreaseDecreaseInInterestPayableNet" xlink:title="IncreaseDecreaseInInterestPayableNet" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:label="IntangibleAssetsNetExcludingGoodwill" xlink:title="IntangibleAssetsNetExcludingGoodwill" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpense" xlink:to="us-gaap_InterestExpense_lbl" xlink:title="label: InterestExpense to us-gaap_InterestExpense_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestExpense_lbl1" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_InterestExpense_lbl1" xml:lang="en-US" id="us-gaap_InterestExpense_lbl1">Interest expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpense" xlink:to="us-gaap_InterestExpense_lbl1" xlink:title="label: InterestExpense to us-gaap_InterestExpense_lbl1" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseBorrowings" xlink:label="InterestExpenseBorrowings" xlink:title="InterestExpenseBorrowings" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_InterestExpenseBorrowings_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestExpenseBorrowings_lbl1" xml:lang="en-US" id="us-gaap_InterestExpenseBorrowings_lbl1">Interest Expense, Borrowings</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_InterestExpenseDeposits_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestExpenseDeposits_lbl1" xml:lang="en-US" id="us-gaap_InterestExpenseDeposits_lbl1">Interest Expense, Deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpenseDeposits" xlink:to="us-gaap_InterestExpenseDeposits_lbl1" xlink:title="label: InterestExpenseDeposits to us-gaap_InterestExpenseDeposits_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="InterestIncomeExpenseNet" xlink:title="InterestIncomeExpenseNet" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US" id="us-gaap_InterestIncomeExpenseNet_lbl">NET INTEREST INCOME</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_InterestIncomeDomesticDeposits_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestIncomeDomesticDeposits_lbl" xml:lang="en-US" id="us-gaap_InterestIncomeDomesticDeposits_lbl">Interest-bearing deposits with banks</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet" xlink:label="InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet" xlink:title="InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_lbl1" xml:lang="en-US" id="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_lbl1">Lessee, Operating Lease, Liability, to be Paid</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:label="LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:title="LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_lbl1" xlink:title="label: LesseeOperatingLeaseLiabilityUndiscountedExcessAmount to us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueYearFive" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_lbl" xml:lang="en-US" id="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_lbl">2026</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_lbl1" xml:lang="en-US" id="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_lbl1">Lessee, Operating Lease, Liability, to be Paid, Year Five</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_lbl1" xlink:title="label: LesseeOperatingLeaseLiabilityPaymentsDueYearFive to us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueYearFour" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_lbl" xml:lang="en-US" id="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_lbl">2025</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_lbl1" xml:lang="en-US" id="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_lbl1">Lessee, Operating Lease, Liability, to be Paid, Year Four</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_lbl1" xlink:title="label: LesseeOperatingLeaseLiabilityPaymentsDueYearFour to us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueYearThree" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_lbl" xml:lang="en-US" id="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_lbl">2024</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_lbl1" xml:lang="en-US" id="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_lbl1">Lessee, Operating Lease, Liability, to be Paid, Year Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_lbl1" xlink:title="label: LesseeOperatingLeaseLiabilityPaymentsDueYearThree to us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock" xlink:label="LesseeOperatingLeaseLiabilityMaturityTableTextBlock" xlink:title="LesseeOperatingLeaseLiabilityMaturityTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_lbl" xml:lang="en-US" id="us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_lbl">Future Minimum Payments for Operating Leases with Initial or Remaining Terms of One Year or More</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_lbl1" xml:lang="en-US" id="us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_lbl1">Lessee, Operating Lease, Liability, Maturity [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_lbl" xml:lang="en-US" id="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_lbl">2023</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_lbl1" xlink:title="label: LesseeOperatingLeaseLiabilityPaymentsDueYearTwo to us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeLeaseDescriptionTable" xlink:label="LesseeLeaseDescriptionTable" xlink:title="LesseeLeaseDescriptionTable" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LesseeLeaseDescriptionTable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LesseeLeaseDescriptionTable_lbl" xml:lang="en-US" id="us-gaap_LesseeLeaseDescriptionTable_lbl">Lessee, Lease, Description [Table]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LeaseCostAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LeaseCostAbstract_lbl1" xml:lang="en-US" id="us-gaap_LeaseCostAbstract_lbl1">Lease, Cost [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LeaseCostAbstract" xlink:to="us-gaap_LeaseCostAbstract_lbl1" xlink:title="label: LeaseCostAbstract to us-gaap_LeaseCostAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeaseCost" xlink:label="LeaseCost" xlink:title="LeaseCost" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LeaseCost_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_LeaseCost_lbl" xml:lang="en-US" id="us-gaap_LeaseCost_lbl">Total lease cost</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LeaseCost" xlink:to="us-gaap_LeaseCost_lbl" xlink:title="label: LeaseCost to us-gaap_LeaseCost_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LeaseCost_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LeaseCost_lbl1" xml:lang="en-US" id="us-gaap_LeaseCost_lbl1">Lease, Cost</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LeaseCost" xlink:to="us-gaap_LeaseCost_lbl1" xlink:title="label: LeaseCost to us-gaap_LeaseCost_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeaseCostTableTextBlock" xlink:label="LeaseCostTableTextBlock" xlink:title="LeaseCostTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LeaseCostTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LeaseCostTableTextBlock_lbl" xml:lang="en-US" id="us-gaap_LeaseCostTableTextBlock_lbl">Lease Costs and Other Lease Information</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LeaseCostTableTextBlock" xlink:to="us-gaap_LeaseCostTableTextBlock_lbl" xlink:title="label: LeaseCostTableTextBlock to us-gaap_LeaseCostTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LeaseCostTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LeaseCostTableTextBlock_lbl1" xml:lang="en-US" id="us-gaap_LeaseCostTableTextBlock_lbl1">Lease, Cost [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LeaseCostTableTextBlock" xlink:to="us-gaap_LeaseCostTableTextBlock_lbl1" xlink:title="label: LeaseCostTableTextBlock to us-gaap_LeaseCostTableTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeasesAbstract" xlink:label="LeasesAbstract" xlink:title="LeasesAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LeasesAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LeasesAbstract_lbl" xml:lang="en-US" id="us-gaap_LeasesAbstract_lbl">LEASES [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LeasesAbstract" xlink:to="us-gaap_LeasesAbstract_lbl" xlink:title="label: LeasesAbstract to us-gaap_LeasesAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="LiabilitiesFairValueDisclosureAbstract" xlink:title="LiabilitiesFairValueDisclosureAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LiabilitiesFairValueDisclosureAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LiabilitiesFairValueDisclosureAbstract_lbl" xml:lang="en-US" id="us-gaap_LiabilitiesFairValueDisclosureAbstract_lbl">Liabilities [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesFairValueDisclosureAbstract" xlink:to="us-gaap_LiabilitiesFairValueDisclosureAbstract_lbl" xlink:title="label: LiabilitiesFairValueDisclosureAbstract to us-gaap_LiabilitiesFairValueDisclosureAbstract_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LiabilitiesFairValueDisclosureAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LiabilitiesFairValueDisclosureAbstract_lbl1" xml:lang="en-US" id="us-gaap_LiabilitiesFairValueDisclosureAbstract_lbl1">Liabilities, Fair Value Disclosure [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesFairValueDisclosureAbstract" xlink:to="us-gaap_LiabilitiesFairValueDisclosureAbstract_lbl1" xlink:title="label: LiabilitiesFairValueDisclosureAbstract to us-gaap_LiabilitiesFairValueDisclosureAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Liabilities" xlink:label="Liabilities" xlink:title="Liabilities" />
    <link:label xlink:type="resource" xlink:label="us-gaap_Liabilities_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_Liabilities_lbl" xml:lang="en-US" id="us-gaap_Liabilities_lbl">TOTAL LIABILITIES</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Liabilities" xlink:to="us-gaap_Liabilities_lbl" xlink:title="label: Liabilities to us-gaap_Liabilities_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_Liabilities_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_Liabilities_lbl1" xml:lang="en-US" id="us-gaap_Liabilities_lbl1">Liabilities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Liabilities" xlink:to="us-gaap_Liabilities_lbl1" xlink:title="label: Liabilities to us-gaap_Liabilities_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="LiabilitiesAbstract" xlink:title="LiabilitiesAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LiabilitiesAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LiabilitiesAbstract_lbl" xml:lang="en-US" id="us-gaap_LiabilitiesAbstract_lbl">LIABILITIES:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesAbstract" xlink:to="us-gaap_LiabilitiesAbstract_lbl" xlink:title="label: LiabilitiesAbstract to us-gaap_LiabilitiesAbstract_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LiabilitiesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LiabilitiesAbstract_lbl1" xml:lang="en-US" id="us-gaap_LiabilitiesAbstract_lbl1">Liabilities [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesAbstract" xlink:to="us-gaap_LiabilitiesAbstract_lbl1" xlink:title="label: LiabilitiesAbstract to us-gaap_LiabilitiesAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="LiabilitiesAndStockholdersEquity" xlink:title="LiabilitiesAndStockholdersEquity" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US" id="us-gaap_LiabilitiesAndStockholdersEquity_lbl">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xlink:title="label: LiabilitiesAndStockholdersEquity to us-gaap_LiabilitiesAndStockholdersEquity_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LiabilitiesAndStockholdersEquity_lbl1" xml:lang="en-US" id="us-gaap_LiabilitiesAndStockholdersEquity_lbl1">Liabilities and Equity</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_LiabilitiesAndStockholdersEquity_lbl1" xlink:title="label: LiabilitiesAndStockholdersEquity to us-gaap_LiabilitiesAndStockholdersEquity_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilityForUncertainTaxPositionsCurrent" xlink:label="LiabilityForUncertainTaxPositionsCurrent" xlink:title="LiabilityForUncertainTaxPositionsCurrent" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LiabilityForUncertainTaxPositionsCurrent_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LiabilityForUncertainTaxPositionsCurrent_lbl" xml:lang="en-US" id="us-gaap_LiabilityForUncertainTaxPositionsCurrent_lbl">Liability for uncertain tax positions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilityForUncertainTaxPositionsCurrent" xlink:to="us-gaap_LiabilityForUncertainTaxPositionsCurrent_lbl" xlink:title="label: LiabilityForUncertainTaxPositionsCurrent to us-gaap_LiabilityForUncertainTaxPositionsCurrent_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LiabilityForUncertainTaxPositionsCurrent_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LiabilityForUncertainTaxPositionsCurrent_lbl1" xml:lang="en-US" id="us-gaap_LiabilityForUncertainTaxPositionsCurrent_lbl1">Liability for Uncertainty in Income Taxes, Current</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilityForUncertainTaxPositionsCurrent" xlink:to="us-gaap_LiabilityForUncertainTaxPositionsCurrent_lbl1" xlink:title="label: LiabilityForUncertainTaxPositionsCurrent to us-gaap_LiabilityForUncertainTaxPositionsCurrent_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoanRestructuringModificationAxis" xlink:label="LoanRestructuringModificationAxis" xlink:title="LoanRestructuringModificationAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoanRestructuringModificationAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoanRestructuringModificationAxis_lbl" xml:lang="en-US" id="us-gaap_LoanRestructuringModificationAxis_lbl">Financing Receivable, Troubled Debt Restructuring [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoanRestructuringModificationAxis" xlink:to="us-gaap_LoanRestructuringModificationAxis_lbl" xlink:title="label: LoanRestructuringModificationAxis to us-gaap_LoanRestructuringModificationAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoanRestructuringModificationDomain" xlink:label="LoanRestructuringModificationDomain" xlink:title="LoanRestructuringModificationDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoanRestructuringModificationDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoanRestructuringModificationDomain_lbl" xml:lang="en-US" id="us-gaap_LoanRestructuringModificationDomain_lbl">Financing Receivable, Troubled Debt Restructuring [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoanRestructuringModificationDomain" xlink:to="us-gaap_LoanRestructuringModificationDomain_lbl" xlink:title="label: LoanRestructuringModificationDomain to us-gaap_LoanRestructuringModificationDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy" xlink:label="LoansAndLeasesReceivableAllowanceForLoanLossesPolicy" xlink:title="LoansAndLeasesReceivableAllowanceForLoanLossesPolicy" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_lbl" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_lbl">Allowance for Loan Losses</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_lbl1" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_lbl1">Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain" xlink:label="LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain" xlink:title="LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_lbl" xml:lang="en-US" id="us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_lbl">Loans Insured or Guaranteed by Government Authorities [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain" xlink:to="us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_lbl" xlink:title="label: LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain to us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_lbl" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableAllowance_lbl">Loans, allowance for loan losses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableAllowance" xlink:to="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xlink:title="label: LoansAndLeasesReceivableAllowance to us-gaap_LoansAndLeasesReceivableAllowance_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_LoansAndLeasesReceivableAllowance_lbl1" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableAllowance_lbl1">Allowance for loan losses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableAllowance" xlink:to="us-gaap_LoansAndLeasesReceivableAllowance_lbl1" xlink:title="label: LoansAndLeasesReceivableAllowance to us-gaap_LoansAndLeasesReceivableAllowance_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis" xlink:label="LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis" xlink:title="LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_lbl" xml:lang="en-US" id="us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_lbl">Loans Insured or Guaranteed by Government Authorities [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis" xlink:to="us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_lbl" xlink:title="label: LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis to us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds" xlink:label="LoansAndLeasesReceivableRelatedPartiesProceeds" xlink:title="LoansAndLeasesReceivableRelatedPartiesProceeds" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds_lbl1" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds_lbl1">Loans and Leases Receivable, Related Parties, Proceeds</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_lbl" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_lbl">Loans and Leases Receivable, Net Amount [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansAndLeasesReceivableNonperformingLoanAndLeasePolicy" xlink:label="LoansAndLeasesReceivableNonperformingLoanAndLeasePolicy" xlink:title="LoansAndLeasesReceivableNonperformingLoanAndLeasePolicy" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="LoansAndLeasesReceivableNetReportedAmount" xlink:title="LoansAndLeasesReceivableNetReportedAmount" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl">Loans (net of allowance for loan losses: 2021, $17,304; 2020, $15,815)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl1" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl1">Net loans</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward" xlink:label="LoansAndLeasesReceivableRelatedPartiesRollForward" xlink:title="LoansAndLeasesReceivableRelatedPartiesRollForward" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_lbl" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_lbl">Loans to Related Parties [Roll Forward]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_lbl1" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_lbl1">Loans and Leases Receivable, Related Parties [Roll Forward]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableRelatedPartiesRollForward" xlink:to="us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_lbl1" xlink:title="label: LoansAndLeasesReceivableRelatedPartiesRollForward to us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions" xlink:label="LoansAndLeasesReceivableRelatedPartiesAdditions" xlink:title="LoansAndLeasesReceivableRelatedPartiesAdditions" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions_lbl" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions_lbl">New loans</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:label="LoansAndLeasesReceivableRelatedParties" xlink:title="LoansAndLeasesReceivableRelatedParties" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedParties_lbl" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="us-gaap_LoansAndLeasesReceivableRelatedParties_lbl" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableRelatedParties_lbl">Balance, beginning of year</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableRelatedParties_lbl2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansAndLeasesReceivableRelatedParties_lbl2" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableRelatedParties_lbl2">Loans and Leases Receivable, Related Parties</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableRelatedParties" xlink:to="us-gaap_LoansAndLeasesReceivableRelatedParties_lbl2" xlink:title="label: LoansAndLeasesReceivableRelatedParties to us-gaap_LoansAndLeasesReceivableRelatedParties_lbl2" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansPayableToBank" xlink:label="LoansPayableToBank" xlink:title="LoansPayableToBank" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansPayableToBank_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansPayableToBank_lbl" xml:lang="en-US" id="us-gaap_LoansPayableToBank_lbl">Outstanding principal balances</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:label="LoansHeldForSaleFairValueDisclosure" xlink:title="LoansHeldForSaleFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl" xml:lang="en-US" id="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl">Loans held for sale</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl1" xml:lang="en-US" id="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl1">Loans Held-for-sale, Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansHeldForSaleFairValueDisclosure" xlink:to="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl1" xlink:title="label: LoansHeldForSaleFairValueDisclosure to us-gaap_LoansHeldForSaleFairValueDisclosure_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableHeldForSaleAmount" xlink:label="LoansReceivableHeldForSaleAmount" xlink:title="LoansReceivableHeldForSaleAmount" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansReceivableHeldForSaleAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansReceivableHeldForSaleAmount_lbl" xml:lang="en-US" id="us-gaap_LoansReceivableHeldForSaleAmount_lbl">Loans held for sale</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansReceivableHeldForSaleAmount" xlink:to="us-gaap_LoansReceivableHeldForSaleAmount_lbl" xlink:title="label: LoansReceivableHeldForSaleAmount to us-gaap_LoansReceivableHeldForSaleAmount_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure" xlink:label="LoansReceivableFairValueDisclosure" xlink:title="LoansReceivableFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansReceivableFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_LoansReceivableFairValueDisclosure_lbl" xml:lang="en-US" id="us-gaap_LoansReceivableFairValueDisclosure_lbl">Net loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansReceivableFairValueDisclosure" xlink:to="us-gaap_LoansReceivableFairValueDisclosure_lbl" xlink:title="label: LoansReceivableFairValueDisclosure to us-gaap_LoansReceivableFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansReceivableFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansReceivableFairValueDisclosure_lbl1" xml:lang="en-US" id="us-gaap_LoansReceivableFairValueDisclosure_lbl1">Loans Receivable, Fair Value Disclosure</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:label="LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:title="LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl" xml:lang="en-US" id="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl">LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:label="LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:title="LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_lbl1" xml:lang="en-US" id="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_lbl1">Long-Term Debt, Maturity, Year One</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_lbl" xml:lang="en-US" id="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_lbl">Thereafter</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_lbl1" xml:lang="en-US" id="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_lbl1">Long-Term Debt, Maturity, after Year Five</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:label="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:title="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_lbl" xml:lang="en-US" id="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_lbl">2025</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_lbl1" xml:lang="en-US" id="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_lbl1">Long-Term Debt, Maturity, Year Four</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" xlink:label="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" xlink:title="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_lbl" xml:lang="en-US" id="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_lbl">2026</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_lbl1" xml:lang="en-US" id="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_lbl1">Long-Term Debt, Maturity, Year Five</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" xlink:to="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_lbl1" xlink:title="label: LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive to us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:label="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:title="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_lbl" xml:lang="en-US" id="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_lbl">2023</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_lbl1" xml:lang="en-US" id="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_lbl1">Long-Term Debt, Maturity, Year Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:to="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_lbl1" xlink:title="label: LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo to us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:label="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:title="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_lbl" xml:lang="en-US" id="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_lbl">2024</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_lbl1" xml:lang="en-US" id="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_lbl1">Long-Term Debt, Maturity, Year Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:to="us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_lbl1" xlink:title="label: LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree to us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MarketableSecurities" xlink:label="MarketableSecurities" xlink:title="MarketableSecurities" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MarketableSecurities_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_MarketableSecurities_lbl" xml:lang="en-US" id="us-gaap_MarketableSecurities_lbl">Equity securities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MarketableSecurities" xlink:to="us-gaap_MarketableSecurities_lbl" xlink:title="label: MarketableSecurities to us-gaap_MarketableSecurities_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MarketableSecurities_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_MarketableSecurities_lbl1" xml:lang="en-US" id="us-gaap_MarketableSecurities_lbl1">Marketable Securities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MarketableSecurities" xlink:to="us-gaap_MarketableSecurities_lbl1" xlink:title="label: MarketableSecurities to us-gaap_MarketableSecurities_lbl1" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_MaturitiesOfLongTermDebtAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_MaturitiesOfLongTermDebtAbstract_lbl" xml:lang="en-US" id="us-gaap_MaturitiesOfLongTermDebtAbstract_lbl">Maturities of borrowed funds [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MaturityUpTo30DaysMember" xlink:label="MaturityUpTo30DaysMember" xlink:title="MaturityUpTo30DaysMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MaturityUpTo30DaysMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_MaturityUpTo30DaysMember_lbl" xml:lang="en-US" id="us-gaap_MaturityUpTo30DaysMember_lbl">Up to 30 Days [Member]</link:label>
    <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="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MaturityOver90DaysMember" xlink:label="MaturityOver90DaysMember" xlink:title="MaturityOver90DaysMember" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.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="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.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="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputTypeAxis" xlink:label="MeasurementInputTypeAxis" xlink:title="MeasurementInputTypeAxis" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.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" />
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    <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>
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    <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>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MediumTermNotesMember" xlink:label="MediumTermNotesMember" xlink:title="MediumTermNotesMember" />
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    <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>
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    <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="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:title="MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" />
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    <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" />
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    <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>
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    <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" />
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    <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>
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    <link:label xlink:type="resource" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl1" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl1">Cash flows from financing activities [Abstract]</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_lbl1" xlink:title="label: NetCashProvidedByUsedInFinancingActivitiesAbstract to us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl1" />
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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>
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    <link:label xlink:type="resource" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl1" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl1">Net Cash Provided by (Used in) Operating Activities</link:label>
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    <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>
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    <link:label xlink:type="resource" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl1" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl1">Cash flows from investing activities [Abstract]</link:label>
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    <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>
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    <link:label xlink:type="resource" xlink:label="us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract_lbl" xml:lang="en-US" id="us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract_lbl">Liabilities assumed</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract" xlink:to="us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract_lbl" xlink:title="label: NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract to us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract_lbl1" xml:lang="en-US" id="us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract_lbl1">Noncash or Part Noncash Acquisition, Value of Liabilities Assumed [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract" xlink:to="us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract_lbl1" xlink:title="label: NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract to us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumedAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract" xlink:label="NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract" xlink:title="NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract_lbl" xml:lang="en-US" id="us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract_lbl">Non-cash assets acquired</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract" xlink:to="us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract_lbl" xlink:title="label: NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract to us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract_lbl1" xml:lang="en-US" id="us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract_lbl1">Noncash or Part Noncash Acquisition, Value of Assets Acquired [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract" xlink:to="us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract_lbl1" xlink:title="label: NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract to us-gaap_NoncashOrPartNoncashAcquisitionValueOfAssetsAcquiredAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncashOrPartNoncashAcquisitionsTable" xlink:label="NoncashOrPartNoncashAcquisitionsTable" xlink:title="NoncashOrPartNoncashAcquisitionsTable" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoncashOrPartNoncashAcquisitionsTable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoncashOrPartNoncashAcquisitionsTable_lbl" xml:lang="en-US" id="us-gaap_NoncashOrPartNoncashAcquisitionsTable_lbl">Noncash or Part Cash Acquisitions [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoncashOrPartNoncashAcquisitionsTable" xlink:to="us-gaap_NoncashOrPartNoncashAcquisitionsTable_lbl" xlink:title="label: NoncashOrPartNoncashAcquisitionsTable to us-gaap_NoncashOrPartNoncashAcquisitionsTable_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncashOrPartNoncashAcquisitionsLineItems" xlink:label="NoncashOrPartNoncashAcquisitionsLineItems" xlink:title="NoncashOrPartNoncashAcquisitionsLineItems" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoncashOrPartNoncashAcquisitionsLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoncashOrPartNoncashAcquisitionsLineItems_lbl" xml:lang="en-US" id="us-gaap_NoncashOrPartNoncashAcquisitionsLineItems_lbl">Noncash or Part Cash Acquisitions [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoncashOrPartNoncashAcquisitionsLineItems" xlink:to="us-gaap_NoncashOrPartNoncashAcquisitionsLineItems_lbl" xlink:title="label: NoncashOrPartNoncashAcquisitionsLineItems to us-gaap_NoncashOrPartNoncashAcquisitionsLineItems_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncompeteAgreementsMember" xlink:label="NoncompeteAgreementsMember" xlink:title="NoncompeteAgreementsMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoncompeteAgreementsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoncompeteAgreementsMember_lbl" xml:lang="en-US" id="us-gaap_NoncompeteAgreementsMember_lbl">Noncompete Agreements [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoncompeteAgreementsMember" xlink:to="us-gaap_NoncompeteAgreementsMember_lbl" xlink:title="label: NoncompeteAgreementsMember to us-gaap_NoncompeteAgreementsMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:label="NoninterestBearingDepositLiabilities" xlink:title="NoninterestBearingDepositLiabilities" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestBearingDepositLiabilities_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestBearingDepositLiabilities_lbl" xml:lang="en-US" id="us-gaap_NoninterestBearingDepositLiabilities_lbl">Noninterest-bearing</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestBearingDepositLiabilities" xlink:to="us-gaap_NoninterestBearingDepositLiabilities_lbl" xlink:title="label: NoninterestBearingDepositLiabilities to us-gaap_NoninterestBearingDepositLiabilities_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="NoninterestExpense" xlink:title="NoninterestExpense" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestExpense_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_NoninterestExpense_lbl" xml:lang="en-US" id="us-gaap_NoninterestExpense_lbl">TOTAL NON-INTEREST EXPENSES</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpense" xlink:to="us-gaap_NoninterestExpense_lbl" xlink:title="label: NoninterestExpense to us-gaap_NoninterestExpense_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestExpense_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestExpense_lbl1" xml:lang="en-US" id="us-gaap_NoninterestExpense_lbl1">Non-interest expenses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpense" xlink:to="us-gaap_NoninterestExpense_lbl1" xlink:title="label: NoninterestExpense to us-gaap_NoninterestExpense_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="NoninterestIncome" xlink:title="NoninterestIncome" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestIncome_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_NoninterestIncome_lbl" xml:lang="en-US" id="us-gaap_NoninterestIncome_lbl">TOTAL NON-INTEREST INCOME</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncome" xlink:to="us-gaap_NoninterestIncome_lbl" xlink:title="label: NoninterestIncome to us-gaap_NoninterestIncome_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestIncome_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestIncome_lbl1" xml:lang="en-US" id="us-gaap_NoninterestIncome_lbl1">Noninterest Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncome" xlink:to="us-gaap_NoninterestIncome_lbl1" xlink:title="label: NoninterestIncome to us-gaap_NoninterestIncome_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="NoninterestExpenseAbstract" xlink:title="NoninterestExpenseAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestExpenseAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestExpenseAbstract_lbl" xml:lang="en-US" id="us-gaap_NoninterestExpenseAbstract_lbl">NON-INTEREST EXPENSES:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpenseAbstract" xlink:to="us-gaap_NoninterestExpenseAbstract_lbl" xlink:title="label: NoninterestExpenseAbstract to us-gaap_NoninterestExpenseAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="NoninterestIncomeOtherOperatingIncome" xlink:title="NoninterestIncomeOtherOperatingIncome" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl" xml:lang="en-US" id="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl">Other</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeOtherOperatingIncome" xlink:to="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl" xlink:title="label: NoninterestIncomeOtherOperatingIncome to us-gaap_NoninterestIncomeOtherOperatingIncome_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl1" xml:lang="en-US" id="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl1">Noninterest Income, Other Operating Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeOtherOperatingIncome" xlink:to="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl1" xlink:title="label: NoninterestIncomeOtherOperatingIncome to us-gaap_NoninterestIncomeOtherOperatingIncome_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestIncomeOther" xlink:label="NoninterestIncomeOther" xlink:title="NoninterestIncomeOther" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestIncomeOther_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_NoninterestIncomeOther_lbl" xml:lang="en-US" id="us-gaap_NoninterestIncomeOther_lbl">Non-interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeOther" xlink:to="us-gaap_NoninterestIncomeOther_lbl" xlink:title="label: NoninterestIncomeOther to us-gaap_NoninterestIncomeOther_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestIncomeOther_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestIncomeOther_lbl1" xml:lang="en-US" id="us-gaap_NoninterestIncomeOther_lbl1">Noninterest Income, Other</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeOther" xlink:to="us-gaap_NoninterestIncomeOther_lbl1" xlink:title="label: NoninterestIncomeOther to us-gaap_NoninterestIncomeOther_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesDomestic" xlink:label="NoninterestBearingDepositLiabilitiesDomestic" xlink:title="NoninterestBearingDepositLiabilitiesDomestic" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl" xml:lang="en-US" id="us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl">Non-interest-bearing deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestBearingDepositLiabilitiesDomestic" xlink:to="us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl" xlink:title="label: NoninterestBearingDepositLiabilitiesDomestic to us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="NoninterestIncomeAbstract" xlink:title="NoninterestIncomeAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestIncomeAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestIncomeAbstract_lbl" xml:lang="en-US" id="us-gaap_NoninterestIncomeAbstract_lbl">NON-INTEREST INCOME:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestIncomeAbstract" xlink:to="us-gaap_NoninterestIncomeAbstract_lbl" xlink:title="label: NoninterestIncomeAbstract to us-gaap_NoninterestIncomeAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="NotesReceivableGross" xlink:title="NotesReceivableGross" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NotesReceivableGross_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_NotesReceivableGross_lbl" xml:lang="en-US" id="us-gaap_NotesReceivableGross_lbl">Total past due</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NotesReceivableGross" xlink:to="us-gaap_NotesReceivableGross_lbl" xlink:title="label: NotesReceivableGross to us-gaap_NotesReceivableGross_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NotesReceivableGross_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NotesReceivableGross_lbl1" xml:lang="en-US" id="us-gaap_NotesReceivableGross_lbl1">Financing Receivable, before Allowance for Credit Loss</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NotesReceivableGross" xlink:to="us-gaap_NotesReceivableGross_lbl1" xlink:title="label: NotesReceivableGross to us-gaap_NotesReceivableGross_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableNet" xlink:label="NotesReceivableNet" xlink:title="NotesReceivableNet" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NotesReceivableNet_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_NotesReceivableNet_lbl" xml:lang="en-US" id="us-gaap_NotesReceivableNet_lbl">Total</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NotesReceivableNet" xlink:to="us-gaap_NotesReceivableNet_lbl" xlink:title="label: NotesReceivableNet to us-gaap_NotesReceivableNet_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NotesReceivableNet_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NotesReceivableNet_lbl1" xml:lang="en-US" id="us-gaap_NotesReceivableNet_lbl1">Financing Receivable, after Allowance for Credit Loss</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NotesReceivableNet" xlink:to="us-gaap_NotesReceivableNet_lbl1" xlink:title="label: NotesReceivableNet to us-gaap_NotesReceivableNet_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesPayableOtherPayablesMember" xlink:label="NotesPayableOtherPayablesMember" xlink:title="NotesPayableOtherPayablesMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NotesPayableOtherPayablesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NotesPayableOtherPayablesMember_lbl" xml:lang="en-US" id="us-gaap_NotesPayableOtherPayablesMember_lbl">Notes Payable [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NotesPayableOtherPayablesMember" xlink:to="us-gaap_NotesPayableOtherPayablesMember_lbl" xlink:title="label: NotesPayableOtherPayablesMember to us-gaap_NotesPayableOtherPayablesMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesPayable" xlink:label="NotesPayable" xlink:title="NotesPayable" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NotesPayable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NotesPayable_lbl" xml:lang="en-US" id="us-gaap_NotesPayable_lbl">Notes payable amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NotesPayable" xlink:to="us-gaap_NotesPayable_lbl" xlink:title="label: NotesPayable to us-gaap_NotesPayable_lbl" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_NumberOfOperatingSegments_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NumberOfOperatingSegments_lbl" xml:lang="en-US" id="us-gaap_NumberOfOperatingSegments_lbl">Number of operating segments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfOperatingSegments" xlink:to="us-gaap_NumberOfOperatingSegments_lbl" xlink:title="label: NumberOfOperatingSegments to us-gaap_NumberOfOperatingSegments_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NondesignatedMember" xlink:label="NondesignatedMember" xlink:title="NondesignatedMember" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseCost" xlink:label="OperatingLeaseCost" xlink:title="OperatingLeaseCost" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1" xlink:label="OperatingLeaseWeightedAverageRemainingLeaseTerm1" xlink:title="OperatingLeaseWeightedAverageRemainingLeaseTerm1" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PensionAndOtherPostretirementDefinedBenefitPlansNoncurrentLiabilitiesAbstract" xlink:label="PensionAndOtherPostretirementDefinedBenefitPlansNoncurrentLiabilitiesAbstract" xlink:title="PensionAndOtherPostretirementDefinedBenefitPlansNoncurrentLiabilitiesAbstract" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged" xlink:label="PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged" xlink:title="PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged_lbl" xml:lang="en-US" id="us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged_lbl">Investment securities pledged as collateral</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PortionAtFairValueFairValueDisclosureMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PortionAtFairValueFairValueDisclosureMember_lbl" xml:lang="en-US" id="us-gaap_PortionAtFairValueFairValueDisclosureMember_lbl">Portion at Fair Value Measurement [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="PreferredStockValue" xlink:title="PreferredStockValue" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PreferredStockValue_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PreferredStockValue_lbl" xml:lang="en-US" id="us-gaap_PreferredStockValue_lbl">Preferred Stock $1.00 par value; authorized 3,000,000 shares 2021 and 2020; none issued in 2021 or 2020</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:label="PreferredStockSharesAuthorized" xlink:title="PreferredStockSharesAuthorized" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PreferredStockSharesAuthorized_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PreferredStockSharesAuthorized_lbl" xml:lang="en-US" id="us-gaap_PreferredStockSharesAuthorized_lbl">Preferred Stock, authorized (in shares)</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockParOrStatedValuePerShare" xlink:label="PreferredStockParOrStatedValuePerShare" xlink:title="PreferredStockParOrStatedValuePerShare" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PreferredStockParOrStatedValuePerShare_lbl" xml:lang="en-US" id="us-gaap_PreferredStockParOrStatedValuePerShare_lbl">Preferred Stock, par value (in dollars per share)</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:label="PreferredStockSharesIssued" xlink:title="PreferredStockSharesIssued" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PreferredStockSharesIssued_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PreferredStockSharesIssued_lbl" xml:lang="en-US" id="us-gaap_PreferredStockSharesIssued_lbl">Preferred Stock, issued (in shares)</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:label="PriorPeriodReclassificationAdjustmentDescription" xlink:title="PriorPeriodReclassificationAdjustmentDescription" />
    <link:label xlink:type="resource" xlink:label="us-gaap_PriorPeriodReclassificationAdjustmentDescription_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PriorPeriodReclassificationAdjustmentDescription_lbl" xml:lang="en-US" id="us-gaap_PriorPeriodReclassificationAdjustmentDescription_lbl">Reclassification</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_lbl" xml:lang="en-US" id="us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_lbl">Proceeds from redemption of Regulatory Stock</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:title="ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_RepaymentsOfLongTermDebt_lbl" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_RepaymentsOfLongTermDebt_lbl" xml:lang="en-US" id="us-gaap_RepaymentsOfLongTermDebt_lbl">Repayments of long-term borrowings</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RepaymentsOfLongTermDebt" xlink:to="us-gaap_RepaymentsOfLongTermDebt_lbl" xlink:title="label: RepaymentsOfLongTermDebt to us-gaap_RepaymentsOfLongTermDebt_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RepaymentsOfLongTermDebt_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RepaymentsOfLongTermDebt_lbl1" xml:lang="en-US" id="us-gaap_RepaymentsOfLongTermDebt_lbl1">Repayments of Long-term Debt</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RepaymentsOfLongTermDebt" xlink:to="us-gaap_RepaymentsOfLongTermDebt_lbl1" xlink:title="label: RepaymentsOfLongTermDebt to us-gaap_RepaymentsOfLongTermDebt_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ResidentialMortgageMember" xlink:label="ResidentialMortgageMember" xlink:title="ResidentialMortgageMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ResidentialMortgageMember_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_ResidentialMortgageMember_lbl" xml:lang="en-US" id="us-gaap_ResidentialMortgageMember_lbl">Mortgages [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialMortgageMember" xlink:to="us-gaap_ResidentialMortgageMember_lbl" xlink:title="label: ResidentialMortgageMember to us-gaap_ResidentialMortgageMember_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ResidentialMortgageMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ResidentialMortgageMember_lbl1" xml:lang="en-US" id="us-gaap_ResidentialMortgageMember_lbl1">Residential Mortgage [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialMortgageMember" xlink:to="us-gaap_ResidentialMortgageMember_lbl1" xlink:title="label: ResidentialMortgageMember to us-gaap_ResidentialMortgageMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ResidentialRealEstateMember" xlink:label="ResidentialRealEstateMember" xlink:title="ResidentialRealEstateMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ResidentialRealEstateMember_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_ResidentialRealEstateMember_lbl" xml:lang="en-US" id="us-gaap_ResidentialRealEstateMember_lbl">Residential [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialRealEstateMember" xlink:to="us-gaap_ResidentialRealEstateMember_lbl" xlink:title="label: ResidentialRealEstateMember to us-gaap_ResidentialRealEstateMember_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ResidentialRealEstateMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ResidentialRealEstateMember_lbl1" xml:lang="en-US" id="us-gaap_ResidentialRealEstateMember_lbl1">Residential Real Estate [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialRealEstateMember" xlink:to="us-gaap_ResidentialRealEstateMember_lbl1" xlink:title="label: ResidentialRealEstateMember to us-gaap_ResidentialRealEstateMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockAwardForfeitures" xlink:label="RestrictedStockAwardForfeitures" xlink:title="RestrictedStockAwardForfeitures" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RestrictedStockAwardForfeitures_lbl" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_RestrictedStockAwardForfeitures_lbl" xml:lang="en-US" id="us-gaap_RestrictedStockAwardForfeitures_lbl">Forfeited restricted stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RestrictedStockAwardForfeitures" xlink:to="us-gaap_RestrictedStockAwardForfeitures_lbl" xlink:title="label: RestrictedStockAwardForfeitures to us-gaap_RestrictedStockAwardForfeitures_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RestrictedStockAwardForfeitures_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RestrictedStockAwardForfeitures_lbl1" xml:lang="en-US" id="us-gaap_RestrictedStockAwardForfeitures_lbl1">Restricted Stock Award, Forfeitures</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RestrictedStockAwardForfeitures" xlink:to="us-gaap_RestrictedStockAwardForfeitures_lbl1" xlink:title="label: RestrictedStockAwardForfeitures to us-gaap_RestrictedStockAwardForfeitures_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockMember" xlink:label="RestrictedStockMember" xlink:title="RestrictedStockMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RestrictedStockMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RestrictedStockMember_lbl" xml:lang="en-US" id="us-gaap_RestrictedStockMember_lbl">Restricted Stock [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RestrictedStockMember" xlink:to="us-gaap_RestrictedStockMember_lbl" xlink:title="label: RestrictedStockMember to us-gaap_RestrictedStockMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:label="RetainedEarningsMember" xlink:title="RetainedEarningsMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RetainedEarningsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RetainedEarningsMember_lbl" xml:lang="en-US" id="us-gaap_RetainedEarningsMember_lbl">Retained Earnings [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RetainedEarningsMember" xlink:to="us-gaap_RetainedEarningsMember_lbl" xlink:title="label: RetainedEarningsMember to us-gaap_RetainedEarningsMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="RetainedEarningsAccumulatedDeficit" xlink:title="RetainedEarningsAccumulatedDeficit" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US" id="us-gaap_RetainedEarningsAccumulatedDeficit_lbl">Retained earnings</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RetainedEarningsAccumulatedDeficit" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xlink:title="label: RetainedEarningsAccumulatedDeficit to us-gaap_RetainedEarningsAccumulatedDeficit_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetirementPlanTypeDomain" xlink:label="RetirementPlanTypeDomain" xlink:title="RetirementPlanTypeDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RetirementPlanTypeDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RetirementPlanTypeDomain_lbl" xml:lang="en-US" id="us-gaap_RetirementPlanTypeDomain_lbl">Retirement Plan Type [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RetirementPlanTypeDomain" xlink:to="us-gaap_RetirementPlanTypeDomain_lbl" xlink:title="label: RetirementPlanTypeDomain to us-gaap_RetirementPlanTypeDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetirementPlanTypeAxis" xlink:label="RetirementPlanTypeAxis" xlink:title="RetirementPlanTypeAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RetirementPlanTypeAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RetirementPlanTypeAxis_lbl" xml:lang="en-US" id="us-gaap_RetirementPlanTypeAxis_lbl">Retirement Plan Type [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RetirementPlanTypeAxis" xlink:to="us-gaap_RetirementPlanTypeAxis_lbl" xlink:title="label: RetirementPlanTypeAxis to us-gaap_RetirementPlanTypeAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetirementPlanNameAxis" xlink:label="RetirementPlanNameAxis" xlink:title="RetirementPlanNameAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RetirementPlanNameAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RetirementPlanNameAxis_lbl" xml:lang="en-US" id="us-gaap_RetirementPlanNameAxis_lbl">Retirement Plan Name [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RetirementPlanNameAxis" xlink:to="us-gaap_RetirementPlanNameAxis_lbl" xlink:title="label: RetirementPlanNameAxis to us-gaap_RetirementPlanNameAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetirementPlanNameDomain" xlink:label="RetirementPlanNameDomain" xlink:title="RetirementPlanNameDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RetirementPlanNameDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RetirementPlanNameDomain_lbl" xml:lang="en-US" id="us-gaap_RetirementPlanNameDomain_lbl">Retirement Plan Name [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RetirementPlanNameDomain" xlink:to="us-gaap_RetirementPlanNameDomain_lbl" xlink:title="label: RetirementPlanNameDomain to us-gaap_RetirementPlanNameDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract" xlink:label="RevenueFromContractWithCustomerAbstract" xlink:title="RevenueFromContractWithCustomerAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RevenueFromContractWithCustomerAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RevenueFromContractWithCustomerAbstract_lbl" xml:lang="en-US" id="us-gaap_RevenueFromContractWithCustomerAbstract_lbl">REVENUE RECOGNITION [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RevenueFromContractWithCustomerAbstract" xlink:to="us-gaap_RevenueFromContractWithCustomerAbstract_lbl" xlink:title="label: RevenueFromContractWithCustomerAbstract to us-gaap_RevenueFromContractWithCustomerAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerPolicyTextBlock" xlink:label="RevenueFromContractWithCustomerPolicyTextBlock" xlink:title="RevenueFromContractWithCustomerPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RevenueFromContractWithCustomerPolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RevenueFromContractWithCustomerPolicyTextBlock_lbl" xml:lang="en-US" id="us-gaap_RevenueFromContractWithCustomerPolicyTextBlock_lbl">Revenue Recognition</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RevenueFromContractWithCustomerPolicyTextBlock" xlink:to="us-gaap_RevenueFromContractWithCustomerPolicyTextBlock_lbl" xlink:title="label: RevenueFromContractWithCustomerPolicyTextBlock to us-gaap_RevenueFromContractWithCustomerPolicyTextBlock_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax" xlink:label="RevenueFromContractWithCustomerExcludingAssessedTax" xlink:title="RevenueFromContractWithCustomerExcludingAssessedTax" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_lbl" xml:lang="en-US" id="us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_lbl">Revenue from customers</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RevenueFromContractWithCustomerExcludingAssessedTax" xlink:to="us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_lbl" xlink:title="label: RevenueFromContractWithCustomerExcludingAssessedTax to us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_lbl1" xml:lang="en-US" id="us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_lbl1">Revenue from Contract with Customer, Excluding Assessed Tax</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RevenueFromContractWithCustomerExcludingAssessedTax" xlink:to="us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_lbl1" xlink:title="label: RevenueFromContractWithCustomerExcludingAssessedTax to us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerTextBlock" xlink:label="RevenueFromContractWithCustomerTextBlock" xlink:title="RevenueFromContractWithCustomerTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RevenueFromContractWithCustomerTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_RevenueFromContractWithCustomerTextBlock_lbl" xml:lang="en-US" id="us-gaap_RevenueFromContractWithCustomerTextBlock_lbl">REVENUE RECOGNITION</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RevenueFromContractWithCustomerTextBlock" xlink:to="us-gaap_RevenueFromContractWithCustomerTextBlock_lbl" xlink:title="label: RevenueFromContractWithCustomerTextBlock to us-gaap_RevenueFromContractWithCustomerTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RevenueFromContractWithCustomerTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RevenueFromContractWithCustomerTextBlock_lbl1" xml:lang="en-US" id="us-gaap_RevenueFromContractWithCustomerTextBlock_lbl1">Revenue from Contract with Customer [Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RevenueFromContractWithCustomerTextBlock" xlink:to="us-gaap_RevenueFromContractWithCustomerTextBlock_lbl1" xlink:title="label: RevenueFromContractWithCustomerTextBlock to us-gaap_RevenueFromContractWithCustomerTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="RiskBasedRatiosAbstract" xlink:title="RiskBasedRatiosAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RiskBasedRatiosAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RiskBasedRatiosAbstract_lbl" xml:lang="en-US" id="us-gaap_RiskBasedRatiosAbstract_lbl">Actual Ratio [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RiskBasedRatiosAbstract" xlink:to="us-gaap_RiskBasedRatiosAbstract_lbl" xlink:title="label: RiskBasedRatiosAbstract to us-gaap_RiskBasedRatiosAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubstandardMember" xlink:label="SubstandardMember" xlink:title="SubstandardMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubstandardMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubstandardMember_lbl" xml:lang="en-US" id="us-gaap_SubstandardMember_lbl">Substandard [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubstandardMember" xlink:to="us-gaap_SubstandardMember_lbl" xlink:title="label: SubstandardMember to us-gaap_SubstandardMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:label="ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:title="ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_lbl" xml:lang="en-US" id="us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_lbl">Future Amortization Expense for Amortized Intangible Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:to="us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_lbl" xlink:title="label: ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock to us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_lbl" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:to="us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_lbl1" xlink:title="label: ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock to us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:label="ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:title="ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodSharesAcquisitions" xlink:to="us-gaap_StockIssuedDuringPeriodSharesAcquisitions_lbl" xlink:title="label: StockIssuedDuringPeriodSharesAcquisitions to us-gaap_StockIssuedDuringPeriodSharesAcquisitions_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" xlink:label="StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" xlink:title="StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_lbl" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_lbl">Restricted stock vesting</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" xlink:to="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_lbl" xlink:title="label: StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures to us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_lbl1" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_lbl1">Stock Issued During Period, Value, Restricted Stock Award, Net of Forfeitures</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" xlink:to="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_lbl1" xlink:title="label: StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures to us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued" xlink:label="StockIssuedDuringPeriodValueTreasuryStockReissued" xlink:title="StockIssuedDuringPeriodValueTreasuryStockReissued" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl">Sale of treasury stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueTreasuryStockReissued" xlink:to="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl" xlink:title="label: StockIssuedDuringPeriodValueTreasuryStockReissued to us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl1" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl1">Stock Issued During Period, Value, Treasury Stock Reissued</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueTreasuryStockReissued" xlink:to="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl1" xlink:title="label: StockIssuedDuringPeriodValueTreasuryStockReissued to us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueAcquisitions" xlink:label="StockIssuedDuringPeriodValueAcquisitions" xlink:title="StockIssuedDuringPeriodValueAcquisitions" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodValueAcquisitions_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockIssuedDuringPeriodValueAcquisitions_lbl" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodValueAcquisitions_lbl">Stock issued for acquisition</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueAcquisitions" xlink:to="us-gaap_StockIssuedDuringPeriodValueAcquisitions_lbl" xlink:title="label: StockIssuedDuringPeriodValueAcquisitions to us-gaap_StockIssuedDuringPeriodValueAcquisitions_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross" xlink:label="StockIssuedDuringPeriodValueRestrictedStockAwardGross" xlink:title="StockIssuedDuringPeriodValueRestrictedStockAwardGross" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_lbl" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_lbl">Restricted stock, executive and Board of Director awards</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueRestrictedStockAwardGross" xlink:to="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_lbl" xlink:title="label: StockIssuedDuringPeriodValueRestrictedStockAwardGross to us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_lbl1" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_lbl1">Stock Issued During Period, Value, Restricted Stock Award, Gross</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueRestrictedStockAwardGross" xlink:to="us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_lbl1" xlink:title="label: StockIssuedDuringPeriodValueRestrictedStockAwardGross to us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueStockDividend" xlink:label="StockIssuedDuringPeriodValueStockDividend" xlink:title="StockIssuedDuringPeriodValueStockDividend" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodValueStockDividend_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_StockIssuedDuringPeriodValueStockDividend_lbl" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodValueStockDividend_lbl">Stock dividend</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueStockDividend" xlink:to="us-gaap_StockIssuedDuringPeriodValueStockDividend_lbl" xlink:title="label: StockIssuedDuringPeriodValueStockDividend to us-gaap_StockIssuedDuringPeriodValueStockDividend_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodValueStockDividend_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockIssuedDuringPeriodValueStockDividend_lbl1" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodValueStockDividend_lbl1">Stock Issued During Period, Value, Stock Dividend</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodValueStockDividend" xlink:to="us-gaap_StockIssuedDuringPeriodValueStockDividend_lbl1" xlink:title="label: StockIssuedDuringPeriodValueStockDividend to us-gaap_StockIssuedDuringPeriodValueStockDividend_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="StockholdersEquity" xlink:title="StockholdersEquity" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquity_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_StockholdersEquity_lbl" xml:lang="en-US" id="us-gaap_StockholdersEquity_lbl">TOTAL STOCKHOLDERS' EQUITY</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl" xlink:title="label: StockholdersEquity to us-gaap_StockholdersEquity_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquity_lbl1" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="us-gaap_StockholdersEquity_lbl1" xml:lang="en-US" id="us-gaap_StockholdersEquity_lbl1">Balance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl1" xlink:title="label: StockholdersEquity to us-gaap_StockholdersEquity_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquity_lbl2" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="us-gaap_StockholdersEquity_lbl2" xml:lang="en-US" id="us-gaap_StockholdersEquity_lbl2">Balance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl2" xlink:title="label: StockholdersEquity to us-gaap_StockholdersEquity_lbl2" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquity_lbl3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockholdersEquity_lbl3" xml:lang="en-US" id="us-gaap_StockholdersEquity_lbl3">Stockholders' equity</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl3" xlink:title="label: StockholdersEquity to us-gaap_StockholdersEquity_lbl3" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="StockholdersEquityAbstract" xlink:title="StockholdersEquityAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquityAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockholdersEquityAbstract_lbl" xml:lang="en-US" id="us-gaap_StockholdersEquityAbstract_lbl">STOCKHOLDERS' EQUITY:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityAbstract" xlink:to="us-gaap_StockholdersEquityAbstract_lbl" xlink:title="label: StockholdersEquityAbstract to us-gaap_StockholdersEquityAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubordinatedDebtMember" xlink:label="SubordinatedDebtMember" xlink:title="SubordinatedDebtMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SubordinatedDebtMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SubordinatedDebtMember_lbl" xml:lang="en-US" id="us-gaap_SubordinatedDebtMember_lbl">Subordinated Debt [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SubordinatedDebtMember" xlink:to="us-gaap_SubordinatedDebtMember_lbl" xlink:title="label: SubordinatedDebtMember to us-gaap_SubordinatedDebtMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="SupplementalCashFlowInformationAbstract" xlink:title="SupplementalCashFlowInformationAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SupplementalCashFlowInformationAbstract_lbl" xml:lang="en-US" id="us-gaap_SupplementalCashFlowInformationAbstract_lbl">Supplemental Disclosures of Cash Flow Information:</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SupplementalCashFlowInformationAbstract" xlink:to="us-gaap_SupplementalCashFlowInformationAbstract_lbl" xlink:title="label: SupplementalCashFlowInformationAbstract to us-gaap_SupplementalCashFlowInformationAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember" xlink:label="SupplementalEmployeeRetirementPlanDefinedBenefitMember" xlink:title="SupplementalEmployeeRetirementPlanDefinedBenefitMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember_lbl" xml:lang="en-US" id="us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember_lbl">Supplemental Executive Retirement Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SupplementalEmployeeRetirementPlanDefinedBenefitMember" xlink:to="us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember_lbl" xlink:title="label: SupplementalEmployeeRetirementPlanDefinedBenefitMember to us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember_lbl1" xml:lang="en-US" id="us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember_lbl1">Supplemental Employee Retirement Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SupplementalEmployeeRetirementPlanDefinedBenefitMember" xlink:to="us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember_lbl1" xlink:title="label: SupplementalEmployeeRetirementPlanDefinedBenefitMember to us-gaap_SupplementalEmployeeRetirementPlanDefinedBenefitMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TaxCreditCarryforwardLineItems" xlink:label="TaxCreditCarryforwardLineItems" xlink:title="TaxCreditCarryforwardLineItems" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TaxCreditCarryforwardLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TaxCreditCarryforwardLineItems_lbl" xml:lang="en-US" id="us-gaap_TaxCreditCarryforwardLineItems_lbl">Tax Credit Carryforward [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TaxCreditCarryforwardLineItems" xlink:to="us-gaap_TaxCreditCarryforwardLineItems_lbl" xlink:title="label: TaxCreditCarryforwardLineItems to us-gaap_TaxCreditCarryforwardLineItems_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TaxCreditCarryforwardTable" xlink:label="TaxCreditCarryforwardTable" xlink:title="TaxCreditCarryforwardTable" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TaxCreditCarryforwardTable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TaxCreditCarryforwardTable_lbl" xml:lang="en-US" id="us-gaap_TaxCreditCarryforwardTable_lbl">Tax Credit Carryforward [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TaxCreditCarryforwardTable" xlink:to="us-gaap_TaxCreditCarryforwardTable_lbl" xlink:title="label: TaxCreditCarryforwardTable to us-gaap_TaxCreditCarryforwardTable_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TaxCreditCarryforwardNameDomain" xlink:label="TaxCreditCarryforwardNameDomain" xlink:title="TaxCreditCarryforwardNameDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TaxCreditCarryforwardNameDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TaxCreditCarryforwardNameDomain_lbl" xml:lang="en-US" id="us-gaap_TaxCreditCarryforwardNameDomain_lbl">Tax Credit Carryforward, Name [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TaxCreditCarryforwardNameDomain" xlink:to="us-gaap_TaxCreditCarryforwardNameDomain_lbl" xlink:title="label: TaxCreditCarryforwardNameDomain to us-gaap_TaxCreditCarryforwardNameDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TaxCreditCarryforwardAmount" xlink:label="TaxCreditCarryforwardAmount" xlink:title="TaxCreditCarryforwardAmount" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TaxCreditCarryforwardAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TaxCreditCarryforwardAmount_lbl" xml:lang="en-US" id="us-gaap_TaxCreditCarryforwardAmount_lbl">Investment tax credits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TaxCreditCarryforwardAmount" xlink:to="us-gaap_TaxCreditCarryforwardAmount_lbl" xlink:title="label: TaxCreditCarryforwardAmount to us-gaap_TaxCreditCarryforwardAmount_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TaxCreditCarryforwardAxis" xlink:label="TaxCreditCarryforwardAxis" xlink:title="TaxCreditCarryforwardAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TaxCreditCarryforwardAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TaxCreditCarryforwardAxis_lbl" xml:lang="en-US" id="us-gaap_TaxCreditCarryforwardAxis_lbl">Tax Credit Carryforward [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TaxCreditCarryforwardAxis" xlink:to="us-gaap_TaxCreditCarryforwardAxis_lbl" xlink:title="label: TaxCreditCarryforwardAxis to us-gaap_TaxCreditCarryforwardAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:label="TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:title="TierOneRiskBasedCapitalToRiskWeightedAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl">Tier 1 capital (to risk-weighted assets)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" xlink:title="label: TierOneRiskBasedCapitalToRiskWeightedAssets to us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl1" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl1">Banking Regulation, Tier One Risk-Based Capital Ratio, Actual</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:label="TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:title="TierOneLeverageCapitalRequiredToBeWellCapitalized" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearThree_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TimeDepositMaturitiesYearThree_lbl" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearThree_lbl">2024</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearThree_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TimeDepositMaturitiesYearThree_lbl1" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearThree_lbl1">Time Deposit Maturities, Year Three</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:label="TimeDepositMaturitiesYearFive" xlink:title="TimeDepositMaturitiesYearFive" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearFive_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TimeDepositMaturitiesYearFive_lbl1" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearFive_lbl1">Time Deposit Maturities, Year Five</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositMaturitiesYearFive" xlink:to="us-gaap_TimeDepositMaturitiesYearFive_lbl1" xlink:title="label: TimeDepositMaturitiesYearFive to us-gaap_TimeDepositMaturitiesYearFive_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:label="TimeDepositMaturitiesYearFour" xlink:title="TimeDepositMaturitiesYearFour" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearFour_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_TimeDepositMaturitiesYearFour_lbl" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearFour_lbl">2025</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearFour_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TimeDepositMaturitiesYearFour_lbl1" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearFour_lbl1">Time Deposit Maturities, Year Four</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="TimeDepositsByMaturityAbstract" xlink:title="TimeDepositsByMaturityAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositsByMaturityAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_TimeDepositsByMaturityAbstract_lbl" xml:lang="en-US" id="us-gaap_TimeDepositsByMaturityAbstract_lbl">Maturities of certificates of deposit [Abstract]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositsByMaturityAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TimeDepositsByMaturityAbstract_lbl1" xml:lang="en-US" id="us-gaap_TimeDepositsByMaturityAbstract_lbl1">Time Deposits, Fiscal Year Maturity [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TradeAndLoanReceivablesNonmortgageLoansHeldForSalePolicyPolicyTextBlock" xlink:label="TradeAndLoanReceivablesNonmortgageLoansHeldForSalePolicyPolicyTextBlock" xlink:title="TradeAndLoanReceivablesNonmortgageLoansHeldForSalePolicyPolicyTextBlock" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="TreasuryStockValue" xlink:title="TreasuryStockValue" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryStockValue" xlink:to="us-gaap_TreasuryStockValue_lbl" xlink:title="label: TreasuryStockValue to us-gaap_TreasuryStockValue_lbl" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VariableRateDomain" xlink:to="us-gaap_VariableRateDomain_lbl" xlink:title="label: VariableRateDomain to us-gaap_VariableRateDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="WeightedAverageNumberOfDilutedSharesOutstanding" xlink:title="WeightedAverageNumberOfDilutedSharesOutstanding" />
    <link:label xlink:type="resource" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl">Weighted average common shares outstanding for dilutive earnings per share (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" xlink:title="label: WeightedAverageNumberOfDilutedSharesOutstanding to us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl1" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl1">Number of shares used in computation - diluted (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl1" xlink:title="label: WeightedAverageNumberOfDilutedSharesOutstanding to us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl2" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl2">Weighted Average Number of Shares Outstanding, Diluted</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl2" xlink:title="label: WeightedAverageNumberOfDilutedSharesOutstanding to us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl2" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="WeightedAverageNumberOfSharesOutstandingBasic" xlink:title="WeightedAverageNumberOfSharesOutstandingBasic" />
    <link:label xlink:type="resource" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl">Weighted average common shares outstanding for basic earnings per share (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" xlink:title="label: WeightedAverageNumberOfSharesOutstandingBasic to us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl1" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl1">Weighted average common shares outstanding (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl1" xlink:title="label: WeightedAverageNumberOfSharesOutstandingBasic to us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl2" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl2">Number of shares used in computation - basic (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl2" xlink:title="label: WeightedAverageNumberOfSharesOutstandingBasic to us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl2" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageInterestRateOnOverdrawnDemandDeposit" xlink:label="WeightedAverageInterestRateOnOverdrawnDemandDeposit" xlink:title="WeightedAverageInterestRateOnOverdrawnDemandDeposit" />
    <link:label xlink:type="resource" xlink:label="us-gaap_WeightedAverageInterestRateOnOverdrawnDemandDeposit_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_WeightedAverageInterestRateOnOverdrawnDemandDeposit_lbl" xml:lang="en-US" id="us-gaap_WeightedAverageInterestRateOnOverdrawnDemandDeposit_lbl">Weighted average interest rate as of year end</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageInterestRateOnOverdrawnDemandDeposit" xlink:to="us-gaap_WeightedAverageInterestRateOnOverdrawnDemandDeposit_lbl" xlink:title="label: WeightedAverageInterestRateOnOverdrawnDemandDeposit to us-gaap_WeightedAverageInterestRateOnOverdrawnDemandDeposit_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CounterpartyNameAxis" xlink:label="CounterpartyNameAxis" xlink:title="CounterpartyNameAxis" />
    <link:label xlink:type="resource" xlink:label="srt_CounterpartyNameAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CounterpartyNameAxis_lbl" xml:lang="en-US" id="srt_CounterpartyNameAxis_lbl">Counterparty Name [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CounterpartyNameAxis" xlink:to="srt_CounterpartyNameAxis_lbl" xlink:title="label: CounterpartyNameAxis to srt_CounterpartyNameAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:title="CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" />
    <link:label xlink:type="resource" xlink:label="srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_lbl" xml:lang="en-US" id="srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_lbl">CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:to="srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_lbl" xlink:title="label: CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract to srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CondensedFinancialStatementsCaptionsLineItems" xlink:label="CondensedFinancialStatementsCaptionsLineItems" xlink:title="CondensedFinancialStatementsCaptionsLineItems" />
    <link:label xlink:type="resource" xlink:label="srt_CondensedFinancialStatementsCaptionsLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CondensedFinancialStatementsCaptionsLineItems_lbl" xml:lang="en-US" id="srt_CondensedFinancialStatementsCaptionsLineItems_lbl">Condensed Financial Statements, Captions [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialStatementsCaptionsLineItems" xlink:to="srt_CondensedFinancialStatementsCaptionsLineItems_lbl" xlink:title="label: CondensedFinancialStatementsCaptionsLineItems to srt_CondensedFinancialStatementsCaptionsLineItems_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesDomain" xlink:label="ConsolidatedEntitiesDomain" xlink:title="ConsolidatedEntitiesDomain" />
    <link:label xlink:type="resource" xlink:label="srt_ConsolidatedEntitiesDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_ConsolidatedEntitiesDomain_lbl" xml:lang="en-US" id="srt_ConsolidatedEntitiesDomain_lbl">Consolidated Entities [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConsolidatedEntitiesDomain" xlink:to="srt_ConsolidatedEntitiesDomain_lbl" xlink:title="label: ConsolidatedEntitiesDomain to srt_ConsolidatedEntitiesDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesAxis" xlink:label="ConsolidatedEntitiesAxis" xlink:title="ConsolidatedEntitiesAxis" />
    <link:label xlink:type="resource" xlink:label="srt_ConsolidatedEntitiesAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_ConsolidatedEntitiesAxis_lbl" xml:lang="en-US" id="srt_ConsolidatedEntitiesAxis_lbl">Consolidated Entities [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConsolidatedEntitiesAxis" xlink:to="srt_ConsolidatedEntitiesAxis_lbl" xlink:title="label: ConsolidatedEntitiesAxis to srt_ConsolidatedEntitiesAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CumulativeEffectPeriodOfAdoptionDomain" xlink:label="CumulativeEffectPeriodOfAdoptionDomain" xlink:title="CumulativeEffectPeriodOfAdoptionDomain" />
    <link:label xlink:type="resource" xlink:label="srt_CumulativeEffectPeriodOfAdoptionDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CumulativeEffectPeriodOfAdoptionDomain_lbl" xml:lang="en-US" id="srt_CumulativeEffectPeriodOfAdoptionDomain_lbl">Cumulative Effect, Period of Adoption [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CumulativeEffectPeriodOfAdoptionDomain" xlink:to="srt_CumulativeEffectPeriodOfAdoptionDomain_lbl" xlink:title="label: CumulativeEffectPeriodOfAdoptionDomain to srt_CumulativeEffectPeriodOfAdoptionDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:label="CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:title="CumulativeEffectPeriodOfAdoptionAdjustmentMember" />
    <link:label xlink:type="resource" xlink:label="srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_lbl" xml:lang="en-US" id="srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_lbl">Cumulative Effect, Period of Adoption, Adjustment [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:to="srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_lbl" xlink:title="label: CumulativeEffectPeriodOfAdoptionAdjustmentMember to srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CumulativeEffectPeriodOfAdoptionAxis" xlink:label="CumulativeEffectPeriodOfAdoptionAxis" xlink:title="CumulativeEffectPeriodOfAdoptionAxis" />
    <link:label xlink:type="resource" xlink:label="srt_CumulativeEffectPeriodOfAdoptionAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_CumulativeEffectPeriodOfAdoptionAxis_lbl" xml:lang="en-US" id="srt_CumulativeEffectPeriodOfAdoptionAxis_lbl">Cumulative Effect, Period of Adoption [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CumulativeEffectPeriodOfAdoptionAxis" xlink:to="srt_CumulativeEffectPeriodOfAdoptionAxis_lbl" xlink:title="label: CumulativeEffectPeriodOfAdoptionAxis to srt_CumulativeEffectPeriodOfAdoptionAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_DirectorMember" xlink:label="DirectorMember" xlink:title="DirectorMember" />
    <link:label xlink:type="resource" xlink:label="srt_DirectorMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_DirectorMember_lbl" xml:lang="en-US" id="srt_DirectorMember_lbl">Director [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DirectorMember" xlink:to="srt_DirectorMember_lbl" xlink:title="label: DirectorMember to srt_DirectorMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MaximumMember" xlink:label="MaximumMember" xlink:title="MaximumMember" />
    <link:label xlink:type="resource" xlink:label="srt_MaximumMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_MaximumMember_lbl" xml:lang="en-US" id="srt_MaximumMember_lbl">Maximum [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaximumMember" xlink:to="srt_MaximumMember_lbl" xlink:title="label: MaximumMember to srt_MaximumMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MinimumMember" xlink:label="MinimumMember" xlink:title="MinimumMember" />
    <link:label xlink:type="resource" xlink:label="srt_MinimumMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_MinimumMember_lbl" xml:lang="en-US" id="srt_MinimumMember_lbl">Minimum [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MinimumMember" xlink:to="srt_MinimumMember_lbl" xlink:title="label: MinimumMember to srt_MinimumMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.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="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MortgageLoansOnRealEstateLoanCategoryDomain" xlink:label="MortgageLoansOnRealEstateLoanCategoryDomain" xlink:title="MortgageLoansOnRealEstateLoanCategoryDomain" />
    <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="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.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="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ParentCompanyMember" xlink:label="ParentCompanyMember" xlink:title="ParentCompanyMember" />
    <link:label xlink:type="resource" xlink:label="srt_ParentCompanyMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_ParentCompanyMember_lbl" xml:lang="en-US" id="srt_ParentCompanyMember_lbl">Company [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ParentCompanyMember" xlink:to="srt_ParentCompanyMember_lbl" xlink:title="label: ParentCompanyMember to srt_ParentCompanyMember_lbl" />
    <link:label xlink:type="resource" xlink:label="srt_ParentCompanyMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="srt_ParentCompanyMember_lbl1" xml:lang="en-US" id="srt_ParentCompanyMember_lbl1">Parent Company [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ParentCompanyMember" xlink:to="srt_ParentCompanyMember_lbl1" xlink:title="label: ParentCompanyMember to srt_ParentCompanyMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.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="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.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">Statistical Measurement [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="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.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">Statistical Measurement [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" />
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    <link:label xlink:type="resource" xlink:label="srt_RegulatoryCapitalRequirementsAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_RegulatoryCapitalRequirementsAbstract_lbl" xml:lang="en-US" id="srt_RegulatoryCapitalRequirementsAbstract_lbl">REGULATORY MATTERS [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.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="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ScheduleOfCondensedFinancialStatementsTableTextBlock" xlink:label="ScheduleOfCondensedFinancialStatementsTableTextBlock" xlink:title="ScheduleOfCondensedFinancialStatementsTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="srt_ScheduleOfCondensedFinancialStatementsTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="srt_ScheduleOfCondensedFinancialStatementsTableTextBlock_lbl" xml:lang="en-US" id="srt_ScheduleOfCondensedFinancialStatementsTableTextBlock_lbl">Condensed Financial Information</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfCondensedFinancialStatementsTableTextBlock" xlink:to="srt_ScheduleOfCondensedFinancialStatementsTableTextBlock_lbl1" xlink:title="label: ScheduleOfCondensedFinancialStatementsTableTextBlock to srt_ScheduleOfCondensedFinancialStatementsTableTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ScheduleOfCondensedFinancialStatementsTable" xlink:label="ScheduleOfCondensedFinancialStatementsTable" xlink:title="ScheduleOfCondensedFinancialStatementsTable" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_SegmentGeographicalDomain" xlink:label="SegmentGeographicalDomain" xlink:title="SegmentGeographicalDomain" />
    <link:label xlink:type="resource" xlink:label="srt_SegmentGeographicalDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_SegmentGeographicalDomain_lbl" xml:lang="en-US" id="srt_SegmentGeographicalDomain_lbl">Geographical [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_StatementGeographicalAxis" xlink:label="StatementGeographicalAxis" xlink:title="StatementGeographicalAxis" />
    <link:label xlink:type="resource" xlink:label="srt_StatementGeographicalAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_StatementGeographicalAxis_lbl" xml:lang="en-US" id="srt_StatementGeographicalAxis_lbl">Geographical [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_SubsidiariesMember" xlink:label="SubsidiariesMember" xlink:title="SubsidiariesMember" />
    <link:label xlink:type="resource" xlink:label="srt_SubsidiariesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_SubsidiariesMember_lbl" xml:lang="en-US" id="srt_SubsidiariesMember_lbl">Bank [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_TitleOfIndividualWithRelationshipToEntityDomain" xlink:label="TitleOfIndividualWithRelationshipToEntityDomain" xlink:title="TitleOfIndividualWithRelationshipToEntityDomain" />
    <link:label xlink:type="resource" xlink:label="srt_TitleOfIndividualWithRelationshipToEntityDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_TitleOfIndividualWithRelationshipToEntityDomain_lbl" xml:lang="en-US" id="srt_TitleOfIndividualWithRelationshipToEntityDomain_lbl">Relationship to Entity [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_TitleOfIndividualAxis" xlink:label="TitleOfIndividualAxis" xlink:title="TitleOfIndividualAxis" />
    <link:label xlink:type="resource" xlink:label="srt_TitleOfIndividualAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="srt_TitleOfIndividualAxis_lbl" xml:lang="en-US" id="srt_TitleOfIndividualAxis_lbl">Title of Individual [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.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="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CoverAbstract" xlink:label="CoverAbstract" xlink:title="CoverAbstract" />
    <link:label xlink:type="resource" xlink:label="dei_CoverAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CoverAbstract_lbl" xml:lang="en-US" id="dei_CoverAbstract_lbl">Cover [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:title="label: CoverAbstract to dei_CoverAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentType_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentType_lbl" xml:lang="en-US" id="dei_DocumentType_lbl">Document Type</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAnnualReport" xlink:label="DocumentAnnualReport" xlink:title="DocumentAnnualReport" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentAnnualReport_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentAnnualReport_lbl" xml:lang="en-US" id="dei_DocumentAnnualReport_lbl">Document Annual Report</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentAnnualReport" xlink:to="dei_DocumentAnnualReport_lbl" xlink:title="label: DocumentAnnualReport to dei_DocumentAnnualReport_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentTransitionReport" xlink:label="DocumentTransitionReport" xlink:title="DocumentTransitionReport" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentTransitionReport_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentTransitionReport_lbl" xml:lang="en-US" id="dei_DocumentTransitionReport_lbl">Document Transition Report</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityInteractiveDataCurrent" xlink:label="EntityInteractiveDataCurrent" xlink:title="EntityInteractiveDataCurrent" />
    <link:label xlink:type="resource" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US" id="dei_EntityInteractiveDataCurrent_lbl">Entity Interactive Data Current</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentFlag_lbl" xml:lang="en-US" id="dei_AmendmentFlag_lbl">Amendment Flag</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentDescription" xlink:label="AmendmentDescription" xlink:title="AmendmentDescription" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentDescription_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentDescription_lbl" xml:lang="en-US" id="dei_AmendmentDescription_lbl">Amendment Description</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_IcfrAuditorAttestationFlag" xlink:label="IcfrAuditorAttestationFlag" xlink:title="IcfrAuditorAttestationFlag" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="EntityWellKnownSeasonedIssuer" xlink:title="EntityWellKnownSeasonedIssuer" />
    <link:label xlink:type="resource" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US" id="dei_EntityWellKnownSeasonedIssuer_lbl">Entity Well-known Seasoned Issuer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:title="label: EntityWellKnownSeasonedIssuer to dei_EntityWellKnownSeasonedIssuer_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityVoluntaryFilers" xlink:label="EntityVoluntaryFilers" xlink:title="EntityVoluntaryFilers" />
    <link:label xlink:type="resource" xlink:label="dei_EntityVoluntaryFilers_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US" id="dei_EntityVoluntaryFilers_lbl">Entity Voluntary Filers</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:title="label: EntityVoluntaryFilers to dei_EntityVoluntaryFilers_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCurrentReportingStatus" xlink:label="EntityCurrentReportingStatus" xlink:title="EntityCurrentReportingStatus" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCurrentReportingStatus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US" id="dei_EntityCurrentReportingStatus_lbl">Entity Current Reporting Status</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl" xlink:title="label: EntityCurrentReportingStatus to dei_EntityCurrentReportingStatus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityShellCompany" xlink:label="EntityShellCompany" xlink:title="EntityShellCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityShellCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityShellCompany_lbl" xml:lang="en-US" id="dei_EntityShellCompany_lbl">Entity Shell Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl" xlink:title="label: EntityShellCompany to dei_EntityShellCompany_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFilerCategory" xlink:label="EntityFilerCategory" xlink:title="EntityFilerCategory" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFilerCategory_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFilerCategory_lbl" xml:lang="en-US" id="dei_EntityFilerCategory_lbl">Entity Filer Category</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xlink:title="label: EntityFilerCategory to dei_EntityFilerCategory_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntitySmallBusiness" xlink:label="EntitySmallBusiness" xlink:title="EntitySmallBusiness" />
    <link:label xlink:type="resource" xlink:label="dei_EntitySmallBusiness_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntitySmallBusiness_lbl" xml:lang="en-US" id="dei_EntitySmallBusiness_lbl">Entity Small Business</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness_lbl" xlink:title="label: EntitySmallBusiness to dei_EntitySmallBusiness_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany_lbl">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityPublicFloat" xlink:label="EntityPublicFloat" xlink:title="EntityPublicFloat" />
    <link:label xlink:type="resource" xlink:label="dei_EntityPublicFloat_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityPublicFloat_lbl" xml:lang="en-US" id="dei_EntityPublicFloat_lbl">Entity Public Float</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityPublicFloat" xlink:to="dei_EntityPublicFloat_lbl" xlink:title="label: EntityPublicFloat to dei_EntityPublicFloat_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine1_lbl">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US" id="dei_EntityAddressCityOrTown_lbl">Entity Address, City or Town</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:title="label: EntityAddressCityOrTown to dei_EntityAddressCityOrTown_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US" id="dei_EntityAddressStateOrProvince_lbl">Entity Address, State or Province</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:title="label: EntityAddressStateOrProvince to dei_EntityAddressStateOrProvince_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US" id="dei_EntityAddressPostalZipCode_lbl">Entity Address, Postal Zip Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:title="label: EntityAddressPostalZipCode to dei_EntityAddressPostalZipCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:label xlink:type="resource" xlink:label="dei_CityAreaCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CityAreaCode_lbl" xml:lang="en-US" id="dei_CityAreaCode_lbl">City Area Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:title="label: CityAreaCode to dei_CityAreaCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber_lbl" xml:lang="en-US" id="dei_LocalPhoneNumber_lbl">Local Phone Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:title="label: LocalPhoneNumber to dei_LocalPhoneNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="EntityCommonStockSharesOutstanding" xlink:title="EntityCommonStockSharesOutstanding" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCommonStockSharesOutstanding_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCommonStockSharesOutstanding_lbl" xml:lang="en-US" id="dei_EntityCommonStockSharesOutstanding_lbl">Entity Common Stock, Shares Outstanding</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding_lbl" xlink:title="label: EntityCommonStockSharesOutstanding to dei_EntityCommonStockSharesOutstanding_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorName" xlink:label="AuditorName" xlink:title="AuditorName" />
    <link:label xlink:type="resource" xlink:label="dei_AuditorName_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AuditorName_lbl" xml:lang="en-US" id="dei_AuditorName_lbl">Auditor Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AuditorName" xlink:to="dei_AuditorName_lbl" xlink:title="label: AuditorName to dei_AuditorName_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorLocation" xlink:label="AuditorLocation" xlink:title="AuditorLocation" />
    <link:label xlink:type="resource" xlink:label="dei_AuditorLocation_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AuditorLocation_lbl" xml:lang="en-US" id="dei_AuditorLocation_lbl">Auditor Location</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AuditorLocation" xlink:to="dei_AuditorLocation_lbl" xlink:title="label: AuditorLocation to dei_AuditorLocation_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorFirmId" xlink:label="AuditorFirmId" xlink:title="AuditorFirmId" />
    <link:label xlink:type="resource" xlink:label="dei_AuditorFirmId_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AuditorFirmId_lbl" xml:lang="en-US" id="dei_AuditorFirmId_lbl">Auditor Firm ID</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AuditorFirmId" xlink:to="dei_AuditorFirmId_lbl" xlink:title="label: AuditorFirmId to dei_AuditorFirmId_lbl" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_RestrictionsOnCashAndDueFromBanksAbstract" xlink:label="RestrictionsOnCashAndDueFromBanksAbstract" xlink:title="RestrictionsOnCashAndDueFromBanksAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_RestrictionsOnCashAndDueFromBanksAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_RestrictionsOnCashAndDueFromBanksAbstract_lbl1" xml:lang="en-US" id="czfs_RestrictionsOnCashAndDueFromBanksAbstract_lbl1">RESTRICTIONS ON CASH AND DUE FROM BANKS [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RestrictionsOnCashAndDueFromBanksAbstract" xlink:to="czfs_RestrictionsOnCashAndDueFromBanksAbstract_lbl1" xlink:title="label: RestrictionsOnCashAndDueFromBanksAbstract to czfs_RestrictionsOnCashAndDueFromBanksAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock" xlink:label="LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock" xlink:title="LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl" xml:lang="en-US" id="czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl">Tabular disclosure of weighted average remaining lease term and discount rate disclosures related to operating leases.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock" xlink:to="czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl" xlink:title="label: LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock to czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl1" xml:lang="en-US" id="czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl1">Lessee Weighted Average Remaining Lease Term and Discount Rate Disclosures Related To Operating Leases [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock" xlink:to="czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl1" xlink:title="label: LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock to czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl2" xml:lang="en-US" id="czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl2">Weighted Average Remaining Lease Term and Discount Rate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock" xlink:to="czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl2" xlink:title="label: LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock to czfs_LesseeWeightedAverageRemainingLeaseTermAndDiscountRateDisclosuresRelatedToOperatingLeasesTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AssetsAndLiabilitiesLesseeTableTextBlock" xlink:label="AssetsAndLiabilitiesLesseeTableTextBlock" xlink:title="AssetsAndLiabilitiesLesseeTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl" xml:lang="en-US" id="czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl">Tabular disclosure of lessee's right of use assets and lease liabilities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsAndLiabilitiesLesseeTableTextBlock" xlink:to="czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl" xlink:title="label: AssetsAndLiabilitiesLesseeTableTextBlock to czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl1" xml:lang="en-US" id="czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl1">Assets And Liabilities Lessee [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsAndLiabilitiesLesseeTableTextBlock" xlink:to="czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl1" xlink:title="label: AssetsAndLiabilitiesLesseeTableTextBlock to czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl2" xml:lang="en-US" id="czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl2">Right of Use Assets and Lease Liabilities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsAndLiabilitiesLesseeTableTextBlock" xlink:to="czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl2" xlink:title="label: AssetsAndLiabilitiesLesseeTableTextBlock to czfs_AssetsAndLiabilitiesLesseeTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BORROWEDFUNDSANDREPURCHASEAGREEMENTSAbstract" xlink:label="BORROWEDFUNDSANDREPURCHASEAGREEMENTSAbstract" xlink:title="BORROWEDFUNDSANDREPURCHASEAGREEMENTSAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_BORROWEDFUNDSANDREPURCHASEAGREEMENTSAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BORROWEDFUNDSANDREPURCHASEAGREEMENTSAbstract_lbl1" xml:lang="en-US" id="czfs_BORROWEDFUNDSANDREPURCHASEAGREEMENTSAbstract_lbl1">BORROWED FUNDS AND REPURCHASE AGREEMENTS [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BORROWEDFUNDSANDREPURCHASEAGREEMENTSAbstract" xlink:to="czfs_BORROWEDFUNDSANDREPURCHASEAGREEMENTSAbstract_lbl1" xlink:title="label: BORROWEDFUNDSANDREPURCHASEAGREEMENTSAbstract to czfs_BORROWEDFUNDSANDREPURCHASEAGREEMENTSAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock" xlink:label="BorrowedFundsAndRepurchaseAgreementsTextBlock" xlink:title="BorrowedFundsAndRepurchaseAgreementsTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl" xml:lang="en-US" id="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl">The entire disclosure for information about borrowing of funds and repurchase agreement.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BorrowedFundsAndRepurchaseAgreementsTextBlock" xlink:to="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl" xlink:title="label: BorrowedFundsAndRepurchaseAgreementsTextBlock to czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl1" xml:lang="en-US" id="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl1">Borrowed Funds And Repurchase Agreements [Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BorrowedFundsAndRepurchaseAgreementsTextBlock" xlink:to="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl1" xlink:title="label: BorrowedFundsAndRepurchaseAgreementsTextBlock to czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl2" xml:lang="en-US" id="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl2">BORROWED FUNDS AND REPURCHASE AGREEMENTS</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BorrowedFundsAndRepurchaseAgreementsTextBlock" xlink:to="czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl2" xlink:title="label: BorrowedFundsAndRepurchaseAgreementsTextBlock to czfs_BorrowedFundsAndRepurchaseAgreementsTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_FederalHomeLoanBankStockParValue" xlink:label="FederalHomeLoanBankStockParValue" xlink:title="FederalHomeLoanBankStockParValue" />
    <link:label xlink:type="resource" xlink:label="czfs_FederalHomeLoanBankStockParValue_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FederalHomeLoanBankStockParValue_lbl" xml:lang="en-US" id="czfs_FederalHomeLoanBankStockParValue_lbl">This elements represents face amount of Federal Home Loan Bank Stock per share, generally not indicative of the fair market value per share.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankStockParValue" xlink:to="czfs_FederalHomeLoanBankStockParValue_lbl" xlink:title="label: FederalHomeLoanBankStockParValue to czfs_FederalHomeLoanBankStockParValue_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FederalHomeLoanBankStockParValue_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FederalHomeLoanBankStockParValue_lbl1" xml:lang="en-US" id="czfs_FederalHomeLoanBankStockParValue_lbl1">Federal Home Loan Bank Stock Par value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankStockParValue" xlink:to="czfs_FederalHomeLoanBankStockParValue_lbl1" xlink:title="label: FederalHomeLoanBankStockParValue to czfs_FederalHomeLoanBankStockParValue_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FederalHomeLoanBankStockParValue_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FederalHomeLoanBankStockParValue_lbl2" xml:lang="en-US" id="czfs_FederalHomeLoanBankStockParValue_lbl2">FHLB Stock, at par value (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankStockParValue" xlink:to="czfs_FederalHomeLoanBankStockParValue_lbl2" xlink:title="label: FederalHomeLoanBankStockParValue to czfs_FederalHomeLoanBankStockParValue_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_RemainingLeaseTermAndDiscountRateAbstract" xlink:label="RemainingLeaseTermAndDiscountRateAbstract" xlink:title="RemainingLeaseTermAndDiscountRateAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_RemainingLeaseTermAndDiscountRateAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_RemainingLeaseTermAndDiscountRateAbstract_lbl1" xml:lang="en-US" id="czfs_RemainingLeaseTermAndDiscountRateAbstract_lbl1">Remaining Lease Term and Discount Rate [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RemainingLeaseTermAndDiscountRateAbstract" xlink:to="czfs_RemainingLeaseTermAndDiscountRateAbstract_lbl1" xlink:title="label: RemainingLeaseTermAndDiscountRateAbstract to czfs_RemainingLeaseTermAndDiscountRateAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_LiabilitiesLesseeAbstract" xlink:label="LiabilitiesLesseeAbstract" xlink:title="LiabilitiesLesseeAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_LiabilitiesLesseeAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_LiabilitiesLesseeAbstract_lbl1" xml:lang="en-US" id="czfs_LiabilitiesLesseeAbstract_lbl1">Liabilities Lessee [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesLesseeAbstract" xlink:to="czfs_LiabilitiesLesseeAbstract_lbl1" xlink:title="label: LiabilitiesLesseeAbstract to czfs_LiabilitiesLesseeAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_LiabilitiesLesseeAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_LiabilitiesLesseeAbstract_lbl2" xml:lang="en-US" id="czfs_LiabilitiesLesseeAbstract_lbl2">Lease Liabilities [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesLesseeAbstract" xlink:to="czfs_LiabilitiesLesseeAbstract_lbl2" xlink:title="label: LiabilitiesLesseeAbstract to czfs_LiabilitiesLesseeAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AssetsLesseeAbstract" xlink:label="AssetsLesseeAbstract" xlink:title="AssetsLesseeAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_AssetsLesseeAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AssetsLesseeAbstract_lbl1" xml:lang="en-US" id="czfs_AssetsLesseeAbstract_lbl1">Assets Lessee [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsLesseeAbstract" xlink:to="czfs_AssetsLesseeAbstract_lbl1" xlink:title="label: AssetsLesseeAbstract to czfs_AssetsLesseeAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AssetsLesseeAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AssetsLesseeAbstract_lbl2" xml:lang="en-US" id="czfs_AssetsLesseeAbstract_lbl2">Right of Use Assets [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsLesseeAbstract" xlink:to="czfs_AssetsLesseeAbstract_lbl2" xlink:title="label: AssetsLesseeAbstract to czfs_AssetsLesseeAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.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-20211231.xsd#czfs_SoftwareExpenses" xlink:label="SoftwareExpenses" xlink:title="SoftwareExpenses" />
    <link:label xlink:type="resource" xlink:label="czfs_SoftwareExpenses_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_SoftwareExpenses_lbl" xml:lang="en-US" id="czfs_SoftwareExpenses_lbl">Amount of expenses related to software.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SoftwareExpenses" xlink:to="czfs_SoftwareExpenses_lbl" xlink:title="label: SoftwareExpenses to czfs_SoftwareExpenses_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_SoftwareExpenses_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_SoftwareExpenses_lbl1" xml:lang="en-US" id="czfs_SoftwareExpenses_lbl1">Software Expenses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SoftwareExpenses" xlink:to="czfs_SoftwareExpenses_lbl1" xlink:title="label: SoftwareExpenses to czfs_SoftwareExpenses_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_SoftwareExpenses_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_SoftwareExpenses_lbl2" xml:lang="en-US" id="czfs_SoftwareExpenses_lbl2">Software expenses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SoftwareExpenses" xlink:to="czfs_SoftwareExpenses_lbl2" xlink:title="label: SoftwareExpenses to czfs_SoftwareExpenses_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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">ORE 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-20211231.xsd#czfs_TrustFees" xlink:label="TrustFees" xlink:title="TrustFees" />
    <link:label xlink:type="resource" xlink:label="czfs_TrustFees_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_TrustFees_lbl" xml:lang="en-US" id="czfs_TrustFees_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 basis. 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).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TrustFees" xlink:to="czfs_TrustFees_lbl" xlink:title="label: TrustFees to czfs_TrustFees_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_TrustFees_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_TrustFees_lbl1" xml:lang="en-US" id="czfs_TrustFees_lbl1">Trust fees</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TrustFees" xlink:to="czfs_TrustFees_lbl1" xlink:title="label: TrustFees to czfs_TrustFees_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_TrustFees_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_TrustFees_lbl2" xml:lang="en-US" id="czfs_TrustFees_lbl2">Trust</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TrustFees" xlink:to="czfs_TrustFees_lbl2" xlink:title="label: TrustFees to czfs_TrustFees_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_ServiceChargesOnDepositAccounts" xlink:label="ServiceChargesOnDepositAccounts" xlink:title="ServiceChargesOnDepositAccounts" />
    <link:label xlink:type="resource" xlink:label="czfs_ServiceChargesOnDepositAccounts_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ServiceChargesOnDepositAccounts_lbl" xml:lang="en-US" id="czfs_ServiceChargesOnDepositAccounts_lbl">The Company has contracts with its deposit customers where fees are charged if certain parameters are not met. These agreements can be cancelled at any time by either the Company or the deposit customer. Revenue from these transactions is recognized on a monthly basis as the Company has an unconditional right to the fee consideration.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServiceChargesOnDepositAccounts" xlink:to="czfs_ServiceChargesOnDepositAccounts_lbl" xlink:title="label: ServiceChargesOnDepositAccounts to czfs_ServiceChargesOnDepositAccounts_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ServiceChargesOnDepositAccounts_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ServiceChargesOnDepositAccounts_lbl1" xml:lang="en-US" id="czfs_ServiceChargesOnDepositAccounts_lbl1">Service charges on deposit accounts</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServiceChargesOnDepositAccounts" xlink:to="czfs_ServiceChargesOnDepositAccounts_lbl1" xlink:title="label: ServiceChargesOnDepositAccounts to czfs_ServiceChargesOnDepositAccounts_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ServiceChargesOnDepositAccounts_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ServiceChargesOnDepositAccounts_lbl2" xml:lang="en-US" id="czfs_ServiceChargesOnDepositAccounts_lbl2">Service charges</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServiceChargesOnDepositAccounts" xlink:to="czfs_ServiceChargesOnDepositAccounts_lbl2" xlink:title="label: ServiceChargesOnDepositAccounts to czfs_ServiceChargesOnDepositAccounts_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.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-20211231.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>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_PaymentsForRepurchaseOfRestrictedStock" xlink:label="PaymentsForRepurchaseOfRestrictedStock" xlink:title="PaymentsForRepurchaseOfRestrictedStock" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AcquisitionOfTheFirstNationalBankOfFredericksburgAbstract" xlink:label="AcquisitionOfTheFirstNationalBankOfFredericksburgAbstract" xlink:title="AcquisitionOfTheFirstNationalBankOfFredericksburgAbstract" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoans" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoans" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoans" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoans_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoans_lbl" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoans_lbl">Amount of loans, acquired at the acquisition date.</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsInterestReceivablesOnLoans" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsInterestReceivablesOnLoans" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsInterestReceivablesOnLoans" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositsAssumed" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositsAssumed" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositsAssumed" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositsAssumed_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositsAssumed_lbl" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositsAssumed_lbl">Amount of interest bearing deposits assumed at the acquisition date.</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationBusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNonCashLiabilitiesAcquired" xlink:label="BusinessCombinationBusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNonCashLiabilitiesAcquired" xlink:title="BusinessCombinationBusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNonCashLiabilitiesAcquired" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationBusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNonCashLiabilitiesAcquired_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessCombinationBusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNonCashLiabilitiesAcquired_lbl" xml:lang="en-US" id="czfs_BusinessCombinationBusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNonCashLiabilitiesAcquired_lbl">Amount of non-cash liabilities acquired at the acquisition date.</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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>
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    <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" />
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    <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-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoninterestBearingDepositsAssumed" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoninterestBearingDepositsAssumed" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoninterestBearingDepositsAssumed" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable_lbl" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable_lbl">Amount of interest payable on loans, acquired at the acquisition date.</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable" xlink:to="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable_lbl1" xlink:title="label: BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable to czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable_lbl2" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterestPayable_lbl2">Accrued interest payable</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_MidCoastCommunityBancorpIncMember" xlink:label="MidCoastCommunityBancorpIncMember" xlink:title="MidCoastCommunityBancorpIncMember" />
    <link:label xlink:type="resource" xlink:label="czfs_MidCoastCommunityBancorpIncMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_MidCoastCommunityBancorpIncMember_lbl" xml:lang="en-US" id="czfs_MidCoastCommunityBancorpIncMember_lbl">Acquiree entity which is acquired as per merger agreement.</link:label>
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    <link:label xlink:type="resource" xlink:label="czfs_MidCoastCommunityBancorpIncMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_MidCoastCommunityBancorpIncMember_lbl1" xml:lang="en-US" id="czfs_MidCoastCommunityBancorpIncMember_lbl1">MidCoast Community Bancorp, Inc [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MidCoastCommunityBancorpIncMember" xlink:to="czfs_MidCoastCommunityBancorpIncMember_lbl1" xlink:title="label: MidCoastCommunityBancorpIncMember to czfs_MidCoastCommunityBancorpIncMember_lbl1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MidCoastCommunityBancorpIncMember" xlink:to="czfs_MidCoastCommunityBancorpIncMember_lbl2" xlink:title="label: MidCoastCommunityBancorpIncMember to czfs_MidCoastCommunityBancorpIncMember_lbl2" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDepositsWithOtherBanks" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDepositsWithOtherBanks" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDepositsWithOtherBanks" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDepositsWithOtherBanks_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDepositsWithOtherBanks_lbl" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDepositsWithOtherBanks_lbl">Amount of interest bearing time deposits with other banks.</link:label>
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    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDepositsWithOtherBanks_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDepositsWithOtherBanks_lbl1" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDepositsWithOtherBanks_lbl1">Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Interest Bearing Time Deposits With Other Banks</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_EquityInUndistributedEarningsOfSubsidiaries" xlink:label="EquityInUndistributedEarningsOfSubsidiaries" xlink:title="EquityInUndistributedEarningsOfSubsidiaries" />
    <link:label xlink:type="resource" xlink:label="czfs_EquityInUndistributedEarningsOfSubsidiaries_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_EquityInUndistributedEarningsOfSubsidiaries_lbl" xml:lang="en-US" id="czfs_EquityInUndistributedEarningsOfSubsidiaries_lbl">Amount of undistributed net income or loss for the period from subsidiaries of the parent company.</link:label>
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    <link:label xlink:type="resource" xlink:label="czfs_EquityInUndistributedEarningsOfSubsidiaries_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_EquityInUndistributedEarningsOfSubsidiaries_lbl1" xml:lang="en-US" id="czfs_EquityInUndistributedEarningsOfSubsidiaries_lbl1">Equity in undistributed Earnings of Subsidiaries</link:label>
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    <link:label xlink:type="resource" xlink:label="czfs_EquityInUndistributedEarningsOfSubsidiaries_lbl3" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_EquityInUndistributedEarningsOfSubsidiaries_lbl3" xml:lang="en-US" id="czfs_EquityInUndistributedEarningsOfSubsidiaries_lbl3">Equity in undistributed earnings - First Citizens Community Bank</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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>
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    <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>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract" xlink:label="NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract" xlink:title="NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract" xlink:to="czfs_NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract_lbl1" xlink:title="label: NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract to czfs_NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract_lbl2" xml:lang="en-US" id="czfs_NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract_lbl2">Loan Modifications Related to COVID-19 [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract" xlink:to="czfs_NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract_lbl2" xlink:title="label: NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract to czfs_NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans" xlink:label="FinancingReceivableCOVID19AccommodationsNumberOfLoans" xlink:title="FinancingReceivableCOVID19AccommodationsNumberOfLoans" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl" xml:lang="en-US" id="czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl">Number of loans receiving accommodations for financing receivables under COVID-19.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableCOVID19AccommodationsNumberOfLoans" xlink:to="czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl" xlink:title="label: FinancingReceivableCOVID19AccommodationsNumberOfLoans to czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl1">Financing Receivable COVID19 Accommodations Number Of Loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableCOVID19AccommodationsNumberOfLoans" xlink:to="czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl1" xlink:title="label: FinancingReceivableCOVID19AccommodationsNumberOfLoans to czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl2">Number of loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableCOVID19AccommodationsNumberOfLoans" xlink:to="czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl2" xlink:title="label: FinancingReceivableCOVID19AccommodationsNumberOfLoans to czfs_FinancingReceivableCOVID19AccommodationsNumberOfLoans_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding" xlink:label="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding" xlink:title="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl" xml:lang="en-US" id="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl">Amount of financing receivable modified by other than troubled debt restructurings.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding" xlink:to="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl" xlink:title="label: FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding to czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl1">Financing Receivable Modifications By Other Than Troubled Debt Restructurings Loans Outstanding</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding" xlink:to="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl1" xlink:title="label: FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding to czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl2">Balance as of Modification date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding" xlink:to="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl2" xlink:title="label: FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding to czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred" xlink:label="LoansAndLeasesReceivablePrincipalAndInterestDeferred" xlink:title="LoansAndLeasesReceivablePrincipalAndInterestDeferred" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl" xml:lang="en-US" id="czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl">Amount of principal and interest deferred of loans and leases receivable.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivablePrincipalAndInterestDeferred" xlink:to="czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl" xlink:title="label: LoansAndLeasesReceivablePrincipalAndInterestDeferred to czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl1" xml:lang="en-US" id="czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl1">Loans and Leases Receivable, Principal and Interest Deferred</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivablePrincipalAndInterestDeferred" xlink:to="czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl1" xlink:title="label: LoansAndLeasesReceivablePrincipalAndInterestDeferred to czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl2" xml:lang="en-US" id="czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl2">Principal and Interest Deferral</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivablePrincipalAndInterestDeferred" xlink:to="czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl2" xlink:title="label: LoansAndLeasesReceivablePrincipalAndInterestDeferred to czfs_LoansAndLeasesReceivablePrincipalAndInterestDeferred_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified" xlink:label="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified" xlink:title="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl" xml:lang="en-US" id="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl">Percentage of total loans that have been modified by other than troubled debt restructurings.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified" xlink:to="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl" xlink:title="label: FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified to czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl1">Financing Receivable Modifications By Other Than Troubled Debt Restructuring Percentage Of Loans Modified</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified" xlink:to="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl1" xlink:title="label: FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified to czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl2">Balance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified" xlink:to="czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl2" xlink:title="label: FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified to czfs_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.xsd#czfs_LoansAndLeasesReceivablePrincipalDeferred" xlink:label="LoansAndLeasesReceivablePrincipalDeferred" xlink:title="LoansAndLeasesReceivablePrincipalDeferred" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl" xml:lang="en-US" id="czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl">Amount of principal deferred of loans and leases receivable.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivablePrincipalDeferred" xlink:to="czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl" xlink:title="label: LoansAndLeasesReceivablePrincipalDeferred to czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl1" xml:lang="en-US" id="czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl1">Loans and Leases Receivable, Principal Deferred</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivablePrincipalDeferred" xlink:to="czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl1" xlink:title="label: LoansAndLeasesReceivablePrincipalDeferred to czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl2" xml:lang="en-US" id="czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl2">Principal Deferral</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivablePrincipalDeferred" xlink:to="czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl2" xlink:title="label: LoansAndLeasesReceivablePrincipalDeferred to czfs_LoansAndLeasesReceivablePrincipalDeferred_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans" xlink:label="FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans" xlink:title="FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl" xml:lang="en-US" id="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl">Number of financing receivables that have been under COVID-19.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans" xlink:to="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl" xlink:title="label: FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans to czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl1">Financing Receivable Modifications Other Than Troubled Debt Restructurings Number Of Loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans" xlink:to="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl1" xlink:title="label: FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans to czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl2">Number of loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans" xlink:to="czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl2" xlink:title="label: FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans to czfs_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_COVID19Member" xlink:label="COVID19Member" xlink:title="COVID19Member" />
    <link:label xlink:type="resource" xlink:label="czfs_COVID19Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_COVID19Member_lbl" xml:lang="en-US" id="czfs_COVID19Member_lbl">The novel coronavirus (COVID-19) Categorized as a pandemic by the World Health Organization.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="COVID19Member" xlink:to="czfs_COVID19Member_lbl" xlink:title="label: COVID19Member to czfs_COVID19Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_COVID19Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_COVID19Member_lbl1" xml:lang="en-US" id="czfs_COVID19Member_lbl1">COVID19 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="COVID19Member" xlink:to="czfs_COVID19Member_lbl1" xlink:title="label: COVID19Member to czfs_COVID19Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_COVID19Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_COVID19Member_lbl2" xml:lang="en-US" id="czfs_COVID19Member_lbl2">COVID-19 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="COVID19Member" xlink:to="czfs_COVID19Member_lbl2" xlink:title="label: COVID19Member to czfs_COVID19Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.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-20211231.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-20211231.xsd#czfs_AllowanceForLoanLossesAbstract" xlink:label="AllowanceForLoanLossesAbstract" xlink:title="AllowanceForLoanLossesAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_AllowanceForLoanLossesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AllowanceForLoanLossesAbstract_lbl1" xml:lang="en-US" id="czfs_AllowanceForLoanLossesAbstract_lbl1">Allowance for Loan Losses [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AllowanceForLoanLossesAbstract" xlink:to="czfs_AllowanceForLoanLossesAbstract_lbl1" xlink:title="label: AllowanceForLoanLossesAbstract to czfs_AllowanceForLoanLossesAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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, measured in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</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/terseLabel" xlink:title="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl2" xml:lang="en-US" id="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl2">Number of days past 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_lbl2" xlink:title="label: NumberOfDaysPastDueForLoanToBeConsideredImpaired to czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl2" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl3" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl3" xml:lang="en-US" id="czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl3">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_lbl3" xlink:title="label: NumberOfDaysPastDueForLoanToBeConsideredImpaired to czfs_NumberOfDaysPastDueForLoanToBeConsideredImpaired_lbl3" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_TreasuryStockPolicyTextBlock" xlink:label="TreasuryStockPolicyTextBlock" xlink:title="TreasuryStockPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_TreasuryStockPolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_TreasuryStockPolicyTextBlock_lbl" xml:lang="en-US" id="czfs_TreasuryStockPolicyTextBlock_lbl">Disclosure of accounting policies for treasury stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryStockPolicyTextBlock" xlink:to="czfs_TreasuryStockPolicyTextBlock_lbl" xlink:title="label: TreasuryStockPolicyTextBlock to czfs_TreasuryStockPolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_TreasuryStockPolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_TreasuryStockPolicyTextBlock_lbl1" xml:lang="en-US" id="czfs_TreasuryStockPolicyTextBlock_lbl1">Treasury Stock [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryStockPolicyTextBlock" xlink:to="czfs_TreasuryStockPolicyTextBlock_lbl1" xlink:title="label: TreasuryStockPolicyTextBlock to czfs_TreasuryStockPolicyTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_TreasuryStockPolicyTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_TreasuryStockPolicyTextBlock_lbl2" xml:lang="en-US" id="czfs_TreasuryStockPolicyTextBlock_lbl2">Treasury Stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryStockPolicyTextBlock" xlink:to="czfs_TreasuryStockPolicyTextBlock_lbl2" xlink:title="label: TreasuryStockPolicyTextBlock to czfs_TreasuryStockPolicyTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock" xlink:label="TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock" xlink:title="TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl" xml:lang="en-US" id="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl">Disclosure of accounting policy for trust, brokerage and insurance assets and income.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock" xlink:to="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl" xlink:title="label: TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock to czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl1" xml:lang="en-US" id="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl1">Trust, Brokerage and Insurance Assets and Income [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock" xlink:to="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl1" xlink:title="label: TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock to czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl2" xml:lang="en-US" id="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl2">Trust, Brokerage and Insurance Assets and Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock" xlink:to="czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl2" xlink:title="label: TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock to czfs_TrustBrokerageAndInsuranceAssetsAndIncomePolicyTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_CashFlowsPolicyTextBlock" xlink:label="CashFlowsPolicyTextBlock" xlink:title="CashFlowsPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_CashFlowsPolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_CashFlowsPolicyTextBlock_lbl" xml:lang="en-US" id="czfs_CashFlowsPolicyTextBlock_lbl">Disclosure of accounting policy for cash flows.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashFlowsPolicyTextBlock" xlink:to="czfs_CashFlowsPolicyTextBlock_lbl" xlink:title="label: CashFlowsPolicyTextBlock to czfs_CashFlowsPolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_CashFlowsPolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_CashFlowsPolicyTextBlock_lbl1" xml:lang="en-US" id="czfs_CashFlowsPolicyTextBlock_lbl1">Cash Flows [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashFlowsPolicyTextBlock" xlink:to="czfs_CashFlowsPolicyTextBlock_lbl1" xlink:title="label: CashFlowsPolicyTextBlock to czfs_CashFlowsPolicyTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_CashFlowsPolicyTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_CashFlowsPolicyTextBlock_lbl2" xml:lang="en-US" id="czfs_CashFlowsPolicyTextBlock_lbl2">Cash Flows</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashFlowsPolicyTextBlock" xlink:to="czfs_CashFlowsPolicyTextBlock_lbl2" xlink:title="label: CashFlowsPolicyTextBlock to czfs_CashFlowsPolicyTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock" xlink:label="BankOwnedLifeInsurancePolicyPolicyTextBlock" xlink:title="BankOwnedLifeInsurancePolicyPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl" xml:lang="en-US" id="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl">Disclosure of accounting policy for bank owned life insurance.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankOwnedLifeInsurancePolicyPolicyTextBlock" xlink:to="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl" xlink:title="label: BankOwnedLifeInsurancePolicyPolicyTextBlock to czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl1" xml:lang="en-US" id="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl1">Bank Owned Life Insurance Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankOwnedLifeInsurancePolicyPolicyTextBlock" xlink:to="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl1" xlink:title="label: BankOwnedLifeInsurancePolicyPolicyTextBlock to czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl2" xml:lang="en-US" id="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl2">Bank Owned Life Insurance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankOwnedLifeInsurancePolicyPolicyTextBlock" xlink:to="czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl2" xlink:title="label: BankOwnedLifeInsurancePolicyPolicyTextBlock to czfs_BankOwnedLifeInsurancePolicyPolicyTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_RecordedInvestmentOfPastDueAbstract" xlink:label="RecordedInvestmentOfPastDueAbstract" xlink:title="RecordedInvestmentOfPastDueAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_RecordedInvestmentOfPastDueAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_RecordedInvestmentOfPastDueAbstract_lbl1" xml:lang="en-US" id="czfs_RecordedInvestmentOfPastDueAbstract_lbl1">Recorded Investment of Past Due [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RecordedInvestmentOfPastDueAbstract" xlink:to="czfs_RecordedInvestmentOfPastDueAbstract_lbl1" xlink:title="label: RecordedInvestmentOfPastDueAbstract to czfs_RecordedInvestmentOfPastDueAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_RecordedInvestmentOfPastDueAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_RecordedInvestmentOfPastDueAbstract_lbl2" xml:lang="en-US" id="czfs_RecordedInvestmentOfPastDueAbstract_lbl2">Recorded investment of past due [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RecordedInvestmentOfPastDueAbstract" xlink:to="czfs_RecordedInvestmentOfPastDueAbstract_lbl2" xlink:title="label: RecordedInvestmentOfPastDueAbstract to czfs_RecordedInvestmentOfPastDueAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_FinancingReceivableNotPastDue" xlink:label="FinancingReceivableNotPastDue" xlink:title="FinancingReceivableNotPastDue" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableNotPastDue_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FinancingReceivableNotPastDue_lbl" xml:lang="en-US" id="czfs_FinancingReceivableNotPastDue_lbl">Amount of financing receivable not past due.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableNotPastDue" xlink:to="czfs_FinancingReceivableNotPastDue_lbl" xlink:title="label: FinancingReceivableNotPastDue to czfs_FinancingReceivableNotPastDue_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableNotPastDue_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableNotPastDue_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableNotPastDue_lbl1">Financing Receivable, Not Past Due</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableNotPastDue" xlink:to="czfs_FinancingReceivableNotPastDue_lbl1" xlink:title="label: FinancingReceivableNotPastDue to czfs_FinancingReceivableNotPastDue_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableNotPastDue_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableNotPastDue_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableNotPastDue_lbl2">Current</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableNotPastDue" xlink:to="czfs_FinancingReceivableNotPastDue_lbl2" xlink:title="label: FinancingReceivableNotPastDue to czfs_FinancingReceivableNotPastDue_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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:label xlink:type="resource" xlink:label="czfs_PurchasedCreditImpairedLoans_lbl3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_PurchasedCreditImpairedLoans_lbl3" xml:lang="en-US" id="czfs_PurchasedCreditImpairedLoans_lbl3">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_lbl3" xlink:title="label: PurchasedCreditImpairedLoans to czfs_PurchasedCreditImpairedLoans_lbl3" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.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, measured in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</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-20211231.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" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl1">Financing Receivable Recorded Investment 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_lbl1" xlink:title="label: FinancingReceivableRecordedInvestmentCurrentAndNonAccrual to czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl2">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_lbl2" xlink:title="label: FinancingReceivableRecordedInvestmentCurrentAndNonAccrual to czfs_FinancingReceivableRecordedInvestmentCurrentAndNonAccrual_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.xsd#czfs_ImpairedFinancingReceivableForegoneInterestIncome" xlink:label="ImpairedFinancingReceivableForegoneInterestIncome" xlink:title="ImpairedFinancingReceivableForegoneInterestIncome" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl" xml:lang="en-US" id="czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl">Amount of interest income that would have been recognized if the financing receivables had performed un accordance with their terms.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedFinancingReceivableForegoneInterestIncome" xlink:to="czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl" xlink:title="label: ImpairedFinancingReceivableForegoneInterestIncome to czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl1" xml:lang="en-US" id="czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl1">Impaired Financing Receivable, Foregone Interest Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedFinancingReceivableForegoneInterestIncome" xlink:to="czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl1" xlink:title="label: ImpairedFinancingReceivableForegoneInterestIncome to czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl2" xml:lang="en-US" id="czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl2">Foregone interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedFinancingReceivableForegoneInterestIncome" xlink:to="czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl2" xlink:title="label: ImpairedFinancingReceivableForegoneInterestIncome to czfs_ImpairedFinancingReceivableForegoneInterestIncome_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.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-20211231.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-20211231.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-20211231.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-20211231.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-20211231.xsd#czfs_NumberOfTypesOfDerivatives" xlink:label="NumberOfTypesOfDerivatives" xlink:title="NumberOfTypesOfDerivatives" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfTypesOfDerivatives_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_NumberOfTypesOfDerivatives_lbl" xml:lang="en-US" id="czfs_NumberOfTypesOfDerivatives_lbl">Number of types of derivatives based on the purpose of the contract and belief as to its effectiveness as a hedge.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfTypesOfDerivatives" xlink:to="czfs_NumberOfTypesOfDerivatives_lbl" xlink:title="label: NumberOfTypesOfDerivatives to czfs_NumberOfTypesOfDerivatives_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfTypesOfDerivatives_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_NumberOfTypesOfDerivatives_lbl1" xml:lang="en-US" id="czfs_NumberOfTypesOfDerivatives_lbl1">Number of types of derivatives</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfTypesOfDerivatives" xlink:to="czfs_NumberOfTypesOfDerivatives_lbl1" xlink:title="label: NumberOfTypesOfDerivatives to czfs_NumberOfTypesOfDerivatives_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.xsd#czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock" xlink:label="FinancingReceivableModificationsRelatedToCOVID19TableTextBlock" xlink:title="FinancingReceivableModificationsRelatedToCOVID19TableTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl" xml:lang="en-US" id="czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl">Tabular disclosure of financing receivable on loan modifications related to COVID-19.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsRelatedToCOVID19TableTextBlock" xlink:to="czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl" xlink:title="label: FinancingReceivableModificationsRelatedToCOVID19TableTextBlock to czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl1" xml:lang="en-US" id="czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl1">Financing Receivable, Modifications Related to COVID-19 [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsRelatedToCOVID19TableTextBlock" xlink:to="czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl1" xlink:title="label: FinancingReceivableModificationsRelatedToCOVID19TableTextBlock to czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl2" xml:lang="en-US" id="czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl2">Loan Modifications Related to COVID-19</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsRelatedToCOVID19TableTextBlock" xlink:to="czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl2" xlink:title="label: FinancingReceivableModificationsRelatedToCOVID19TableTextBlock to czfs_FinancingReceivableModificationsRelatedToCOVID19TableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.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-20211231.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-20211231.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, measured in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</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-20211231.xsd#czfs_LoansAndLeasesReceivableAllowanceForLoanLossesAbstract" xlink:label="LoansAndLeasesReceivableAllowanceForLoanLossesAbstract" xlink:title="LoansAndLeasesReceivableAllowanceForLoanLossesAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAndLeasesReceivableAllowanceForLoanLossesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_LoansAndLeasesReceivableAllowanceForLoanLossesAbstract_lbl1" xml:lang="en-US" id="czfs_LoansAndLeasesReceivableAllowanceForLoanLossesAbstract_lbl1">Loans And Leases Receivable, Allowance For Loan Losses [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableAllowanceForLoanLossesAbstract" xlink:to="czfs_LoansAndLeasesReceivableAllowanceForLoanLossesAbstract_lbl1" xlink:title="label: LoansAndLeasesReceivableAllowanceForLoanLossesAbstract to czfs_LoansAndLeasesReceivableAllowanceForLoanLossesAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract" xlink:label="SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract" xlink:title="SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract_lbl1" xml:lang="en-US" id="czfs_SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract_lbl1">Segments of loan portfolio and allowance for loan losses [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract" xlink:to="czfs_SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract_lbl1" xlink:title="label: SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract to czfs_SegmentsOfLoanPortfolioAndAllowanceForLoanLossesAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_RealEstateLoansServicedForFreddieMacAndFannieMae" xlink:label="RealEstateLoansServicedForFreddieMacAndFannieMae" xlink:title="RealEstateLoansServicedForFreddieMacAndFannieMae" />
    <link:label xlink:type="resource" xlink:label="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl" xml:lang="en-US" id="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl">Real estate loans serviced for Freddie Mac and Fannie Mae, which are not included in the consolidated balance sheet.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RealEstateLoansServicedForFreddieMacAndFannieMae" xlink:to="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl" xlink:title="label: RealEstateLoansServicedForFreddieMacAndFannieMae to czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl1" xml:lang="en-US" id="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl1">Real estate loans serviced for Freddie Mac and Fannie Mae</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RealEstateLoansServicedForFreddieMacAndFannieMae" xlink:to="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl1" xlink:title="label: RealEstateLoansServicedForFreddieMacAndFannieMae to czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl2" xml:lang="en-US" id="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl2">Real estate loans serviced for Freddie Mac and Fannie Mae</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RealEstateLoansServicedForFreddieMacAndFannieMae" xlink:to="czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl2" xlink:title="label: RealEstateLoansServicedForFreddieMacAndFannieMae to czfs_RealEstateLoansServicedForFreddieMacAndFannieMae_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses" xlink:label="FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses" xlink:title="FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses" />
    <link:label xlink:type="resource" xlink:label="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl" xml:lang="en-US" id="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl">Amount of credit enhancement for Mortgage Partnership Finance Program Portfolio losses by Federal Home Loan Bank.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses" xlink:to="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl" xlink:title="label: FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses to czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl1" xml:lang="en-US" id="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl1">Federal Home Loan Bank credit enhancement For Mortgage Partnership Finance Program Portfolio losses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses" xlink:to="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl1" xlink:title="label: FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses to czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl2" xml:lang="en-US" id="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl2">Credit enhancement for MPF by FHLB</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses" xlink:to="czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl2" xlink:title="label: FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses to czfs_FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_GuidanceIssuedBySBAForForgivenessOfLoans" xlink:label="GuidanceIssuedBySBAForForgivenessOfLoans" xlink:title="GuidanceIssuedBySBAForForgivenessOfLoans" />
    <link:label xlink:type="resource" xlink:label="czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl" xml:lang="en-US" id="czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl">Guidance issued by SBA for forgiveness with a streamlined approach for loans with a specified amount.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GuidanceIssuedBySBAForForgivenessOfLoans" xlink:to="czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl" xlink:title="label: GuidanceIssuedBySBAForForgivenessOfLoans to czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl1" xml:lang="en-US" id="czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl1">Maximum amount guidance issued by SBA for forgiveness</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GuidanceIssuedBySBAForForgivenessOfLoans" xlink:to="czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl1" xlink:title="label: GuidanceIssuedBySBAForForgivenessOfLoans to czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl2" xml:lang="en-US" id="czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl2">Maximum amount of loan forgiven by guidance from SBA</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GuidanceIssuedBySBAForForgivenessOfLoans" xlink:to="czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl2" xlink:title="label: GuidanceIssuedBySBAForForgivenessOfLoans to czfs_GuidanceIssuedBySBAForForgivenessOfLoans_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality" xlink:to="czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl1" xlink:title="label: FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality to czfs_FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality_lbl1" />
    <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 (PCI)</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-20211231.xsd#czfs_LoansOriginated" xlink:label="LoansOriginated" xlink:title="LoansOriginated" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansOriginated_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_LoansOriginated_lbl" xml:lang="en-US" id="czfs_LoansOriginated_lbl">Amount of loans originated during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansOriginated" xlink:to="czfs_LoansOriginated_lbl" xlink:title="label: LoansOriginated to czfs_LoansOriginated_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansOriginated_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_LoansOriginated_lbl1" xml:lang="en-US" id="czfs_LoansOriginated_lbl1">Loans Originated</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansOriginated" xlink:to="czfs_LoansOriginated_lbl1" xlink:title="label: LoansOriginated to czfs_LoansOriginated_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansOriginated_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_LoansOriginated_lbl2" xml:lang="en-US" id="czfs_LoansOriginated_lbl2">Loans originated</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansOriginated" xlink:to="czfs_LoansOriginated_lbl2" xlink:title="label: LoansOriginated to czfs_LoansOriginated_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse" xlink:label="RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse" xlink:title="RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse" />
    <link:label xlink:type="resource" xlink:label="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl" xml:lang="en-US" id="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl">Real estate loans sold to Freddie Mac and Fannie Mae without recourse which are not included in the consolidated balance sheet.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse" xlink:to="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl" xlink:title="label: RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse to czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl1" xml:lang="en-US" id="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl1">Real Estate Loans Sold To Freddie Mac And Fannie Mae without recourse</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse" xlink:to="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl1" xlink:title="label: RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse to czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl2" xml:lang="en-US" id="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl2">Real estate loans sold to Freddie Mac and Fannie Mae without recourse</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse" xlink:to="czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl2" xlink:title="label: RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse to czfs_RealEstateLoansSoldToFreddieMacAndFannieMaeWithoutRecourse_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio" xlink:label="FederalHomeLoanBankFirstLossPositionForMPFPortfolio" xlink:title="FederalHomeLoanBankFirstLossPositionForMPFPortfolio" />
    <link:label xlink:type="resource" xlink:label="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl" xml:lang="en-US" id="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl">Amount of first loss position maintained by Federal Home Loan Bank under Mortgage Partnership Finance Program.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankFirstLossPositionForMPFPortfolio" xlink:to="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl" xlink:title="label: FederalHomeLoanBankFirstLossPositionForMPFPortfolio to czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl1" xml:lang="en-US" id="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl1">Federal Home Loan Bank, First-loss Position for Mortgage Partnership Finance Program Portfolio</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankFirstLossPositionForMPFPortfolio" xlink:to="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl1" xlink:title="label: FederalHomeLoanBankFirstLossPositionForMPFPortfolio to czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl2" xml:lang="en-US" id="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl2">First-loss position for MPF maintained by FHLB</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankFirstLossPositionForMPFPortfolio" xlink:to="czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl2" xlink:title="label: FederalHomeLoanBankFirstLossPositionForMPFPortfolio to czfs_FederalHomeLoanBankFirstLossPositionForMPFPortfolio_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember" xlink:label="SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember" xlink:title="SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember" />
    <link:label xlink:type="resource" xlink:label="czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl" xml:lang="en-US" id="czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl">Loans guaranteed by Small Business Administration ("SBA") under Paycheck Protection Program.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember" xlink:to="czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl" xlink:title="label: SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember to czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl1" xml:lang="en-US" id="czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl1">Small Business Administration (SBA), CARES Act, Payecheck Protection Program [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember" xlink:to="czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl1" xlink:title="label: SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember to czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl2" xml:lang="en-US" id="czfs_SmallBusinessAdministrationSBACARESActPayecheckProtectionProgramMember_lbl2">Paycheck Protection Program [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_LoansAndLeasesReceivableAllowanceRelatedToLoansAcquiredWithDeterioratedCreditQuality" xlink:label="LoansAndLeasesReceivableAllowanceRelatedToLoansAcquiredWithDeterioratedCreditQuality" xlink:title="LoansAndLeasesReceivableAllowanceRelatedToLoansAcquiredWithDeterioratedCreditQuality" />
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    <link:label xlink:type="resource" xlink:label="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount_lbl2" xml:lang="en-US" id="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount_lbl2">Reclassification of non-accretable discount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount" xlink:to="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount_lbl2" xlink:title="label: CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount to czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition" xlink:label="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition" xlink:title="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition" />
    <link:label xlink:type="resource" xlink:label="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl" xml:lang="en-US" id="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl">Amount of non-accretable discount at acquisition of acquired not accounted for as debt securities with evidence of deterioration of credit quality.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition" xlink:to="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl" xlink:title="label: CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition to czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl1" xml:lang="en-US" id="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl1">Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, Non-Accretable Discount at Acquisition</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition" xlink:to="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl1" xlink:title="label: CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition to czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl2" xml:lang="en-US" id="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl2">Non-accretable discount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition" xlink:to="czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl2" xlink:title="label: CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition to czfs_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonAccretableDiscountAtAcquisition_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_LoansOutstanding" xlink:label="LoansOutstanding" xlink:title="LoansOutstanding" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansOutstanding_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_LoansOutstanding_lbl" xml:lang="en-US" id="czfs_LoansOutstanding_lbl">Amount of loans outstanding during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansOutstanding" xlink:to="czfs_LoansOutstanding_lbl" xlink:title="label: LoansOutstanding to czfs_LoansOutstanding_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansOutstanding_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_LoansOutstanding_lbl1" xml:lang="en-US" id="czfs_LoansOutstanding_lbl1">Loans Outstanding</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansOutstanding" xlink:to="czfs_LoansOutstanding_lbl1" xlink:title="label: LoansOutstanding to czfs_LoansOutstanding_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansOutstanding_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_LoansOutstanding_lbl2" xml:lang="en-US" id="czfs_LoansOutstanding_lbl2">Loans outstanding</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansOutstanding" xlink:to="czfs_LoansOutstanding_lbl2" xlink:title="label: LoansOutstanding to czfs_LoansOutstanding_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.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-20211231.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-20211231.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-20211231.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-20211231.xsd#czfs_BreakdownOfBorrowedFundsAbstract" xlink:label="BreakdownOfBorrowedFundsAbstract" xlink:title="BreakdownOfBorrowedFundsAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_BreakdownOfBorrowedFundsAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BreakdownOfBorrowedFundsAbstract_lbl1" xml:lang="en-US" id="czfs_BreakdownOfBorrowedFundsAbstract_lbl1">Breakdown of Borrowed Funds [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BreakdownOfBorrowedFundsAbstract" xlink:to="czfs_BreakdownOfBorrowedFundsAbstract_lbl1" xlink:title="label: BreakdownOfBorrowedFundsAbstract to czfs_BreakdownOfBorrowedFundsAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DebtAverageOutstandingAmount" xlink:label="DebtAverageOutstandingAmount" xlink:title="DebtAverageOutstandingAmount" />
    <link:label xlink:type="resource" xlink:label="czfs_DebtAverageOutstandingAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DebtAverageOutstandingAmount_lbl" xml:lang="en-US" id="czfs_DebtAverageOutstandingAmount_lbl">For the form of debt , average borrowings during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DebtAverageOutstandingAmount" xlink:to="czfs_DebtAverageOutstandingAmount_lbl" xlink:title="label: DebtAverageOutstandingAmount to czfs_DebtAverageOutstandingAmount_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_DebtAverageOutstandingAmount_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DebtAverageOutstandingAmount_lbl1" xml:lang="en-US" id="czfs_DebtAverageOutstandingAmount_lbl1">Debt, Average Outstanding Amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DebtAverageOutstandingAmount" xlink:to="czfs_DebtAverageOutstandingAmount_lbl1" xlink:title="label: DebtAverageOutstandingAmount to czfs_DebtAverageOutstandingAmount_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_DebtAverageOutstandingAmount_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_DebtAverageOutstandingAmount_lbl2" xml:lang="en-US" id="czfs_DebtAverageOutstandingAmount_lbl2">Average balance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DebtAverageOutstandingAmount" xlink:to="czfs_DebtAverageOutstandingAmount_lbl2" xlink:title="label: DebtAverageOutstandingAmount to czfs_DebtAverageOutstandingAmount_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DebtMaximumMonthEndOutstandingAmount" xlink:label="DebtMaximumMonthEndOutstandingAmount" xlink:title="DebtMaximumMonthEndOutstandingAmount" />
    <link:label xlink:type="resource" xlink:label="czfs_DebtMaximumMonthEndOutstandingAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DebtMaximumMonthEndOutstandingAmount_lbl" xml:lang="en-US" id="czfs_DebtMaximumMonthEndOutstandingAmount_lbl">For the form of debt , maximum month-end borrowings during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DebtMaximumMonthEndOutstandingAmount" xlink:to="czfs_DebtMaximumMonthEndOutstandingAmount_lbl" xlink:title="label: DebtMaximumMonthEndOutstandingAmount to czfs_DebtMaximumMonthEndOutstandingAmount_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_DebtMaximumMonthEndOutstandingAmount_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DebtMaximumMonthEndOutstandingAmount_lbl1" xml:lang="en-US" id="czfs_DebtMaximumMonthEndOutstandingAmount_lbl1">Debt, Maximum Month-end Outstanding Amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DebtMaximumMonthEndOutstandingAmount" xlink:to="czfs_DebtMaximumMonthEndOutstandingAmount_lbl1" xlink:title="label: DebtMaximumMonthEndOutstandingAmount to czfs_DebtMaximumMonthEndOutstandingAmount_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_DebtMaximumMonthEndOutstandingAmount_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_DebtMaximumMonthEndOutstandingAmount_lbl2" xml:lang="en-US" id="czfs_DebtMaximumMonthEndOutstandingAmount_lbl2">Highest balance at any month-end</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DebtMaximumMonthEndOutstandingAmount" xlink:to="czfs_DebtMaximumMonthEndOutstandingAmount_lbl2" xlink:title="label: DebtMaximumMonthEndOutstandingAmount to czfs_DebtMaximumMonthEndOutstandingAmount_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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/verboseLabel" 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-20211231.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-20211231.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-20211231.xsd#czfs_AmountOverWhichAllNewLoansToBeReviewed" xlink:label="AmountOverWhichAllNewLoansToBeReviewed" xlink:title="AmountOverWhichAllNewLoansToBeReviewed" />
    <link:label xlink:type="resource" xlink:label="czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl" xml:lang="en-US" id="czfs_AmountOverWhichAllNewLoansToBeReviewed_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="AmountOverWhichAllNewLoansToBeReviewed" xlink:to="czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl" xlink:title="label: AmountOverWhichAllNewLoansToBeReviewed to czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl1" xml:lang="en-US" id="czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl1">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="AmountOverWhichAllNewLoansToBeReviewed" xlink:to="czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl1" xlink:title="label: AmountOverWhichAllNewLoansToBeReviewed to czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl2" xml:lang="en-US" id="czfs_AmountOverWhichAllNewLoansToBeReviewed_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="AmountOverWhichAllNewLoansToBeReviewed" xlink:to="czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl2" xlink:title="label: AmountOverWhichAllNewLoansToBeReviewed to czfs_AmountOverWhichAllNewLoansToBeReviewed_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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:label xlink:type="resource" xlink:label="czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl2" xml:lang="en-US" id="czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl2">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_lbl2" xlink:title="label: AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships to czfs_AmountWhichIs30DaysPastDueToBeReviewedForAllAggregateLoanRelationships_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.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-20211231.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-20211231.xsd#czfs_InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents" xlink:label="InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents" xlink:title="InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents_lbl" xml:lang="en-US" id="czfs_InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents_lbl">The minimum number of days maturity for interest-earning deposits to be considered cash equivalents.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents" xlink:to="czfs_InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents_lbl" xlink:title="label: InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents to czfs_InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents_lbl1" xml:lang="en-US" id="czfs_InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents_lbl1">Interest earning deposits maturity, Maximum for inclusion as cash equivalents</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents" xlink:to="czfs_InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents_lbl1" xlink:title="label: InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents to czfs_InterestEarningDepositsMaturityMaximumForInclusionAsCashEquivalents_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessAndOrganizationAbstract" xlink:label="BusinessAndOrganizationAbstract" xlink:title="BusinessAndOrganizationAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAndOrganizationAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessAndOrganizationAbstract_lbl1" xml:lang="en-US" id="czfs_BusinessAndOrganizationAbstract_lbl1">Business and Organization [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAndOrganizationAbstract" xlink:to="czfs_BusinessAndOrganizationAbstract_lbl1" xlink:title="label: BusinessAndOrganizationAbstract to czfs_BusinessAndOrganizationAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_NumberOfFullServiceBankingOffices" xlink:label="NumberOfFullServiceBankingOffices" xlink:title="NumberOfFullServiceBankingOffices" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfFullServiceBankingOffices_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_NumberOfFullServiceBankingOffices_lbl" xml:lang="en-US" id="czfs_NumberOfFullServiceBankingOffices_lbl">The number of full service banking offices operated.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfFullServiceBankingOffices" xlink:to="czfs_NumberOfFullServiceBankingOffices_lbl" xlink:title="label: NumberOfFullServiceBankingOffices to czfs_NumberOfFullServiceBankingOffices_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfFullServiceBankingOffices_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_NumberOfFullServiceBankingOffices_lbl1" xml:lang="en-US" id="czfs_NumberOfFullServiceBankingOffices_lbl1">Number of Full Service Banking Offices</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfFullServiceBankingOffices" xlink:to="czfs_NumberOfFullServiceBankingOffices_lbl1" xlink:title="label: NumberOfFullServiceBankingOffices to czfs_NumberOfFullServiceBankingOffices_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfFullServiceBankingOffices_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_NumberOfFullServiceBankingOffices_lbl2" xml:lang="en-US" id="czfs_NumberOfFullServiceBankingOffices_lbl2">Number of full service banking offices</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfFullServiceBankingOffices" xlink:to="czfs_NumberOfFullServiceBankingOffices_lbl2" xlink:title="label: NumberOfFullServiceBankingOffices to czfs_NumberOfFullServiceBankingOffices_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BankOwnedLifeInsuranceAbstract" xlink:label="BankOwnedLifeInsuranceAbstract" xlink:title="BankOwnedLifeInsuranceAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_BankOwnedLifeInsuranceAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BankOwnedLifeInsuranceAbstract_lbl1" xml:lang="en-US" id="czfs_BankOwnedLifeInsuranceAbstract_lbl1">Bank Owned Life Insurance [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankOwnedLifeInsuranceAbstract" xlink:to="czfs_BankOwnedLifeInsuranceAbstract_lbl1" xlink:title="label: BankOwnedLifeInsuranceAbstract to czfs_BankOwnedLifeInsuranceAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BenefitInExcessOfTheCashSurrenderValue" xlink:label="BenefitInExcessOfTheCashSurrenderValue" xlink:title="BenefitInExcessOfTheCashSurrenderValue" />
    <link:label xlink:type="resource" xlink:label="czfs_BenefitInExcessOfTheCashSurrenderValue_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BenefitInExcessOfTheCashSurrenderValue_lbl" xml:lang="en-US" id="czfs_BenefitInExcessOfTheCashSurrenderValue_lbl">Refers to the percentage of benefit in excess of the cash surrender value.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BenefitInExcessOfTheCashSurrenderValue" xlink:to="czfs_BenefitInExcessOfTheCashSurrenderValue_lbl" xlink:title="label: BenefitInExcessOfTheCashSurrenderValue to czfs_BenefitInExcessOfTheCashSurrenderValue_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_BenefitInExcessOfTheCashSurrenderValue_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BenefitInExcessOfTheCashSurrenderValue_lbl1" xml:lang="en-US" id="czfs_BenefitInExcessOfTheCashSurrenderValue_lbl1">Benefit in excess of the cash surrender value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BenefitInExcessOfTheCashSurrenderValue" xlink:to="czfs_BenefitInExcessOfTheCashSurrenderValue_lbl1" xlink:title="label: BenefitInExcessOfTheCashSurrenderValue to czfs_BenefitInExcessOfTheCashSurrenderValue_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BenefitInExcessOfTheCashSurrenderValue_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_BenefitInExcessOfTheCashSurrenderValue_lbl2" xml:lang="en-US" id="czfs_BenefitInExcessOfTheCashSurrenderValue_lbl2">Benefit in excess of the cash surrender value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BenefitInExcessOfTheCashSurrenderValue" xlink:to="czfs_BenefitInExcessOfTheCashSurrenderValue_lbl2" xlink:title="label: BenefitInExcessOfTheCashSurrenderValue to czfs_BenefitInExcessOfTheCashSurrenderValue_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_ExpensesAssociatedWithSplitDollarBenefit" xlink:label="ExpensesAssociatedWithSplitDollarBenefit" xlink:title="ExpensesAssociatedWithSplitDollarBenefit" />
    <link:label xlink:type="resource" xlink:label="czfs_ExpensesAssociatedWithSplitDollarBenefit_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ExpensesAssociatedWithSplitDollarBenefit_lbl" xml:lang="en-US" id="czfs_ExpensesAssociatedWithSplitDollarBenefit_lbl">Amount of expenses associated with the split dollar benefits during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpensesAssociatedWithSplitDollarBenefit" xlink:to="czfs_ExpensesAssociatedWithSplitDollarBenefit_lbl" xlink:title="label: ExpensesAssociatedWithSplitDollarBenefit to czfs_ExpensesAssociatedWithSplitDollarBenefit_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ExpensesAssociatedWithSplitDollarBenefit_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ExpensesAssociatedWithSplitDollarBenefit_lbl1" xml:lang="en-US" id="czfs_ExpensesAssociatedWithSplitDollarBenefit_lbl1">Expenses Associated with Split Dollar Benefit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpensesAssociatedWithSplitDollarBenefit" xlink:to="czfs_ExpensesAssociatedWithSplitDollarBenefit_lbl1" xlink:title="label: ExpensesAssociatedWithSplitDollarBenefit to czfs_ExpensesAssociatedWithSplitDollarBenefit_lbl1" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_NumberOfClassificationsOfInvestmentSecurities" xlink:label="NumberOfClassificationsOfInvestmentSecurities" xlink:title="NumberOfClassificationsOfInvestmentSecurities" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfClassificationsOfInvestmentSecurities_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_NumberOfClassificationsOfInvestmentSecurities_lbl" xml:lang="en-US" id="czfs_NumberOfClassificationsOfInvestmentSecurities_lbl">The number of classifications of investment securities, such as Trading, Available-for-sale or Held to Maturity.</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract" xlink:label="AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract" xlink:title="AvailableForSaleDebtSecuritiesContinuousUnrealizedLossPositionFairValueAndUnrealizedLossesAbstract" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_OfficersDirectorsStockholdersAndAssociatesMember" xlink:label="OfficersDirectorsStockholdersAndAssociatesMember" xlink:title="OfficersDirectorsStockholdersAndAssociatesMember" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OfficersDirectorsStockholdersAndAssociatesMember" xlink:to="czfs_OfficersDirectorsStockholdersAndAssociatesMember_lbl2" xlink:title="label: OfficersDirectorsStockholdersAndAssociatesMember to czfs_OfficersDirectorsStockholdersAndAssociatesMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_UnrealizedLossOnInterestRateSwapAbstract" xlink:label="UnrealizedLossOnInterestRateSwapAbstract" xlink:title="UnrealizedLossOnInterestRateSwapAbstract" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnrealizedLossOnInterestRateSwapAbstract" xlink:to="czfs_UnrealizedLossOnInterestRateSwapAbstract_lbl1" xlink:title="label: UnrealizedLossOnInterestRateSwapAbstract to czfs_UnrealizedLossOnInterestRateSwapAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapNetOfTax" xlink:label="AccumulatedOtherComprehensiveIncomeLossInterestRateSwapNetOfTax" xlink:title="AccumulatedOtherComprehensiveIncomeLossInterestRateSwapNetOfTax" />
    <link:label xlink:type="resource" xlink:label="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapNetOfTax_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapNetOfTax_lbl" xml:lang="en-US" id="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapNetOfTax_lbl">Amount, after tax, of accumulated gain (loss) on interest rate swap that has not been recognized.</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedOtherComprehensiveIncomeLossInterestRateSwapNetOfTax" xlink:to="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapNetOfTax_lbl2" xlink:title="label: AccumulatedOtherComprehensiveIncomeLossInterestRateSwapNetOfTax to czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapNetOfTax_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax" xlink:label="AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax" xlink:title="AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax" />
    <link:label xlink:type="resource" xlink:label="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax_lbl" xml:lang="en-US" id="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax_lbl">Accumulated pre-tax total of net gain (loss) that have not yet recognized on interest rate swap at the end of an accounting period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax" xlink:to="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax_lbl" xlink:title="label: AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax to czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax_lbl" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax" xlink:to="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax_lbl1" xlink:title="label: AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax to czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax_lbl2" xml:lang="en-US" id="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax_lbl2">Unrealized gain (loss) on interest rate swap</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax" xlink:to="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax_lbl2" xlink:title="label: AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax to czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapPreTax_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_UnrecognizedPensionCostsAbstract" xlink:label="UnrecognizedPensionCostsAbstract" xlink:title="UnrecognizedPensionCostsAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_UnrecognizedPensionCostsAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_UnrecognizedPensionCostsAbstract_lbl1" xml:lang="en-US" id="czfs_UnrecognizedPensionCostsAbstract_lbl1">Unrecognized pension costs [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnrecognizedPensionCostsAbstract" xlink:to="czfs_UnrecognizedPensionCostsAbstract_lbl1" xlink:title="label: UnrecognizedPensionCostsAbstract to czfs_UnrecognizedPensionCostsAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax" xlink:label="AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax" xlink:title="AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax" />
    <link:label xlink:type="resource" xlink:label="czfs_AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax_lbl" xml:lang="en-US" id="czfs_AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax_lbl">The pre-tax total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax" xlink:to="czfs_AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax_lbl" xlink:title="label: AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax to czfs_AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansPreTax_lbl" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapTax" xlink:label="AccumulatedOtherComprehensiveIncomeLossInterestRateSwapTax" xlink:title="AccumulatedOtherComprehensiveIncomeLossInterestRateSwapTax" />
    <link:label xlink:type="resource" xlink:label="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapTax_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapTax_lbl" xml:lang="en-US" id="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapTax_lbl">The tax effect in value of interest rate swap at the end of an accounting period.</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedOtherComprehensiveIncomeLossInterestRateSwapTax" xlink:to="czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapTax_lbl2" xlink:title="label: AccumulatedOtherComprehensiveIncomeLossInterestRateSwapTax to czfs_AccumulatedOtherComprehensiveIncomeLossInterestRateSwapTax_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax" xlink:label="AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax" xlink:title="AccumulatedOtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax" xlink:label="AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax" xlink:title="AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax" />
    <link:label xlink:type="resource" xlink:label="czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax_lbl" xml:lang="en-US" id="czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax_lbl">Accumulated appreciation or loss, tax, in value of the total of available-for-sale securities at the end of an accounting period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax" xlink:to="czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax_lbl" xlink:title="label: AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax to czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentTax_lbl" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AccumulatedUnrealizedGainLossesOnInterestRateSwapsMember" xlink:label="AccumulatedUnrealizedGainLossesOnInterestRateSwapsMember" xlink:title="AccumulatedUnrealizedGainLossesOnInterestRateSwapsMember" />
    <link:label xlink:type="resource" xlink:label="czfs_AccumulatedUnrealizedGainLossesOnInterestRateSwapsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AccumulatedUnrealizedGainLossesOnInterestRateSwapsMember_lbl" xml:lang="en-US" id="czfs_AccumulatedUnrealizedGainLossesOnInterestRateSwapsMember_lbl">Accumulated unrealized gain (loss) related to interest rate swaps attributable to parent.</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedUnrealizedGainLossesOnInterestRateSwapsMember" xlink:to="czfs_AccumulatedUnrealizedGainLossesOnInterestRateSwapsMember_lbl2" xlink:title="label: AccumulatedUnrealizedGainLossesOnInterestRateSwapsMember to czfs_AccumulatedUnrealizedGainLossesOnInterestRateSwapsMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax" xlink:label="AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax" xlink:title="AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax" />
    <link:label xlink:type="resource" xlink:label="czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax_lbl" xml:lang="en-US" id="czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax_lbl">Accumulated appreciation or loss, pre tax, in value of the total of available-for-sale securities at the end of an accounting period.</link:label>
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    <link:label xlink:type="resource" xlink:label="czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax_lbl2" xml:lang="en-US" id="czfs_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentPreTax_lbl2">Net unrealized gain on securities available for sale</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_InterestBearingTimeDepositsWithOtherBanks" xlink:label="InterestBearingTimeDepositsWithOtherBanks" xlink:title="InterestBearingTimeDepositsWithOtherBanks" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestBearingTimeDepositsWithOtherBanks_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestBearingTimeDepositsWithOtherBanks_lbl" xml:lang="en-US" id="czfs_InterestBearingTimeDepositsWithOtherBanks_lbl">Interest bearing time deposits with other banks as of the balance sheet date.</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestBearingTimeDepositsWithOtherBanks" xlink:to="czfs_InterestBearingTimeDepositsWithOtherBanks_lbl2" xlink:title="label: InterestBearingTimeDepositsWithOtherBanks to czfs_InterestBearingTimeDepositsWithOtherBanks_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_OtherAssetsFairValueDisclosureAbstract" xlink:label="OtherAssetsFairValueDisclosureAbstract" xlink:title="OtherAssetsFairValueDisclosureAbstract" />
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    <link:label xlink:type="resource" xlink:label="czfs_OtherAssetsFairValueDisclosureAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_OtherAssetsFairValueDisclosureAbstract_lbl2" xml:lang="en-US" id="czfs_OtherAssetsFairValueDisclosureAbstract_lbl2">Other Assets [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAssetsFairValueDisclosureAbstract" xlink:to="czfs_OtherAssetsFairValueDisclosureAbstract_lbl2" xlink:title="label: OtherAssetsFairValueDisclosureAbstract to czfs_OtherAssetsFairValueDisclosureAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_ImpairedLoansEstimatedSellingCost" xlink:label="ImpairedLoansEstimatedSellingCost" xlink:title="ImpairedLoansEstimatedSellingCost" />
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    <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" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure" xlink:label="ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure" xlink:title="ObligationsOfStateAndPoliticalSubdivisionsFairValueDisclosure" />
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    <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-20211231.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. Treasuries 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-20211231.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-20211231.xsd#czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan" xlink:label="TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan" xlink:title="TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan" />
    <link:label xlink:type="resource" xlink:label="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl" xml:lang="en-US" id="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl">Treasury stock reissued at lower than repurchase price, dividend reinvestment plan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan" xlink:to="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl" xlink:title="label: TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan to czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl1" xml:lang="en-US" id="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl1">Treasury Stock Reissued At Lower Than Repurchase Price Dividend Reinvestment Plan</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan" xlink:to="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl1" xlink:title="label: TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan to czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl2" xml:lang="en-US" id="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl2">Cash dividend reinvestment paid from treasury stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan" xlink:to="czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl2" xlink:title="label: TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan to czfs_TreasuryStockReissuedAtLowerThanRepurchasePriceDividendReinvestmentPlan_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_CommonStockDividendRatePercentage" xlink:label="CommonStockDividendRatePercentage" xlink:title="CommonStockDividendRatePercentage" />
    <link:label xlink:type="resource" xlink:label="czfs_CommonStockDividendRatePercentage_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_CommonStockDividendRatePercentage_lbl" xml:lang="en-US" id="czfs_CommonStockDividendRatePercentage_lbl">The percentage rate used to calculate dividend payments on common stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonStockDividendRatePercentage" xlink:to="czfs_CommonStockDividendRatePercentage_lbl" xlink:title="label: CommonStockDividendRatePercentage to czfs_CommonStockDividendRatePercentage_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_CommonStockDividendRatePercentage_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_CommonStockDividendRatePercentage_lbl1" xml:lang="en-US" id="czfs_CommonStockDividendRatePercentage_lbl1">Common Stock, Dividend Rate Percentage</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonStockDividendRatePercentage" xlink:to="czfs_CommonStockDividendRatePercentage_lbl1" xlink:title="label: CommonStockDividendRatePercentage to czfs_CommonStockDividendRatePercentage_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_CommonStockDividendRatePercentage_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_CommonStockDividendRatePercentage_lbl2" xml:lang="en-US" id="czfs_CommonStockDividendRatePercentage_lbl2">Percentage of stock dividend</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonStockDividendRatePercentage" xlink:to="czfs_CommonStockDividendRatePercentage_lbl2" xlink:title="label: CommonStockDividendRatePercentage to czfs_CommonStockDividendRatePercentage_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DerivativeTermOfVariableRate" xlink:label="DerivativeTermOfVariableRate" xlink:title="DerivativeTermOfVariableRate" />
    <link:label xlink:type="resource" xlink:label="czfs_DerivativeTermOfVariableRate_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DerivativeTermOfVariableRate_lbl" xml:lang="en-US" id="czfs_DerivativeTermOfVariableRate_lbl">Term of the interest rate that fluctuates over time as a result of an underlying benchmark interest rate or index period, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Includes, but not limited to, weeks in a year or quarter.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DerivativeTermOfVariableRate" xlink:to="czfs_DerivativeTermOfVariableRate_lbl" xlink:title="label: DerivativeTermOfVariableRate to czfs_DerivativeTermOfVariableRate_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_DerivativeTermOfVariableRate_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DerivativeTermOfVariableRate_lbl1" xml:lang="en-US" id="czfs_DerivativeTermOfVariableRate_lbl1">Derivative, Term of Variable Rate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DerivativeTermOfVariableRate" xlink:to="czfs_DerivativeTermOfVariableRate_lbl1" xlink:title="label: DerivativeTermOfVariableRate to czfs_DerivativeTermOfVariableRate_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_DerivativeTermOfVariableRate_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_DerivativeTermOfVariableRate_lbl2" xml:lang="en-US" id="czfs_DerivativeTermOfVariableRate_lbl2">Term of variable rate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DerivativeTermOfVariableRate" xlink:to="czfs_DerivativeTermOfVariableRate_lbl2" xlink:title="label: DerivativeTermOfVariableRate to czfs_DerivativeTermOfVariableRate_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_InterestRateDealerOffsetToZeroPremiumCollarMember" xlink:label="InterestRateDealerOffsetToZeroPremiumCollarMember" xlink:title="InterestRateDealerOffsetToZeroPremiumCollarMember" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl" xml:lang="en-US" id="czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl">An option contract to hedge interest rate risk to protect variable rate borrowers against rising rates or lenders against falling rates in the case of a reverse collar.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateDealerOffsetToZeroPremiumCollarMember" xlink:to="czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl" xlink:title="label: InterestRateDealerOffsetToZeroPremiumCollarMember to czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl1" xml:lang="en-US" id="czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl1">Interest Rate, Dealer Offset to Zero Premium Collar [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateDealerOffsetToZeroPremiumCollarMember" xlink:to="czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl1" xlink:title="label: InterestRateDealerOffsetToZeroPremiumCollarMember to czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl2" xml:lang="en-US" id="czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl2">Dealer Offset to Zero Premium Collar [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateDealerOffsetToZeroPremiumCollarMember" xlink:to="czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl2" xlink:title="label: InterestRateDealerOffsetToZeroPremiumCollarMember to czfs_InterestRateDealerOffsetToZeroPremiumCollarMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember" xlink:label="InterestRateDealerOffsetToZeroPremiumCollarTwoMember" xlink:title="InterestRateDealerOffsetToZeroPremiumCollarTwoMember" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl" xml:lang="en-US" id="czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl">An option contract to hedge interest rate risk to protect variable rate borrowers against rising rates or lenders against falling rates in the case of a reverse collar.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateDealerOffsetToZeroPremiumCollarTwoMember" xlink:to="czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl" xlink:title="label: InterestRateDealerOffsetToZeroPremiumCollarTwoMember to czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl1" xml:lang="en-US" id="czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl1">Interest Rate, Dealer Offset to Zero Premium Collar Two [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateDealerOffsetToZeroPremiumCollarTwoMember" xlink:to="czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl1" xlink:title="label: InterestRateDealerOffsetToZeroPremiumCollarTwoMember to czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl2" xml:lang="en-US" id="czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl2">Dealer Offset to Zero Premium Collar [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateDealerOffsetToZeroPremiumCollarTwoMember" xlink:to="czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl2" xlink:title="label: InterestRateDealerOffsetToZeroPremiumCollarTwoMember to czfs_InterestRateDealerOffsetToZeroPremiumCollarTwoMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_InterestRateSwapThreeMember" xlink:label="InterestRateSwapThreeMember" xlink:title="InterestRateSwapThreeMember" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapThreeMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestRateSwapThreeMember_lbl" xml:lang="en-US" id="czfs_InterestRateSwapThreeMember_lbl">Forward based contracts in which two parties agree to swap periodic payments that are fixed at the outset of the swap contract with variable payments based on a market interest rate (index rate) over a specified period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapThreeMember" xlink:to="czfs_InterestRateSwapThreeMember_lbl" xlink:title="label: InterestRateSwapThreeMember to czfs_InterestRateSwapThreeMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapThreeMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestRateSwapThreeMember_lbl1" xml:lang="en-US" id="czfs_InterestRateSwapThreeMember_lbl1">Interest Rate Swap Three [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapThreeMember" xlink:to="czfs_InterestRateSwapThreeMember_lbl1" xlink:title="label: InterestRateSwapThreeMember to czfs_InterestRateSwapThreeMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapThreeMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_InterestRateSwapThreeMember_lbl2" xml:lang="en-US" id="czfs_InterestRateSwapThreeMember_lbl2">Interest Rate Swap with Fixed Interest Rate of 3.57% [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapThreeMember" xlink:to="czfs_InterestRateSwapThreeMember_lbl2" xlink:title="label: InterestRateSwapThreeMember to czfs_InterestRateSwapThreeMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_InterestRateSwapSixMember" xlink:label="InterestRateSwapSixMember" xlink:title="InterestRateSwapSixMember" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapSixMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestRateSwapSixMember_lbl" xml:lang="en-US" id="czfs_InterestRateSwapSixMember_lbl">Forward based contracts in which two parties agree to swap periodic payments that are fixed at the outset of the swap contract with variable payments based on a market interest rate (index rate) over a specified period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapSixMember" xlink:to="czfs_InterestRateSwapSixMember_lbl" xlink:title="label: InterestRateSwapSixMember to czfs_InterestRateSwapSixMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapSixMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestRateSwapSixMember_lbl1" xml:lang="en-US" id="czfs_InterestRateSwapSixMember_lbl1">Interest Rate Swap Six [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapSixMember" xlink:to="czfs_InterestRateSwapSixMember_lbl1" xlink:title="label: InterestRateSwapSixMember to czfs_InterestRateSwapSixMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapSixMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_InterestRateSwapSixMember_lbl2" xml:lang="en-US" id="czfs_InterestRateSwapSixMember_lbl2">Interest Rate Swap with Fixed Interest Rate of 0.82% [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapSixMember" xlink:to="czfs_InterestRateSwapSixMember_lbl2" xlink:title="label: InterestRateSwapSixMember to czfs_InterestRateSwapSixMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_InterestRateSwapTwoMember" xlink:label="InterestRateSwapTwoMember" xlink:title="InterestRateSwapTwoMember" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapTwoMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestRateSwapTwoMember_lbl" xml:lang="en-US" id="czfs_InterestRateSwapTwoMember_lbl">Forward based contracts in which two parties agree to swap periodic payments that are fixed at the outset of the swap contract with variable payments based on a market interest rate (index rate) over a specified period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapTwoMember" xlink:to="czfs_InterestRateSwapTwoMember_lbl" xlink:title="label: InterestRateSwapTwoMember to czfs_InterestRateSwapTwoMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapTwoMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestRateSwapTwoMember_lbl1" xml:lang="en-US" id="czfs_InterestRateSwapTwoMember_lbl1">Interest Rate Swap Two [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapTwoMember" xlink:to="czfs_InterestRateSwapTwoMember_lbl1" xlink:title="label: InterestRateSwapTwoMember to czfs_InterestRateSwapTwoMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapTwoMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_InterestRateSwapTwoMember_lbl2" xml:lang="en-US" id="czfs_InterestRateSwapTwoMember_lbl2">Interest Rate Swap with Fixed Interest Rate of 0.65% [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapTwoMember" xlink:to="czfs_InterestRateSwapTwoMember_lbl2" xlink:title="label: InterestRateSwapTwoMember to czfs_InterestRateSwapTwoMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_InterestRateSwapOneMember" xlink:label="InterestRateSwapOneMember" xlink:title="InterestRateSwapOneMember" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapOneMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestRateSwapOneMember_lbl" xml:lang="en-US" id="czfs_InterestRateSwapOneMember_lbl">Forward based contracts in which two parties agree to swap periodic payments that are fixed at the outset of the swap contract with variable payments based on a market interest rate (index rate) over a specified period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapOneMember" xlink:to="czfs_InterestRateSwapOneMember_lbl" xlink:title="label: InterestRateSwapOneMember to czfs_InterestRateSwapOneMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapOneMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestRateSwapOneMember_lbl1" xml:lang="en-US" id="czfs_InterestRateSwapOneMember_lbl1">Interest Rate Swap One [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapOneMember" xlink:to="czfs_InterestRateSwapOneMember_lbl1" xlink:title="label: InterestRateSwapOneMember to czfs_InterestRateSwapOneMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapOneMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_InterestRateSwapOneMember_lbl2" xml:lang="en-US" id="czfs_InterestRateSwapOneMember_lbl2">Interest Rate Swap with Fixed Interest Rate of 0.57% [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapOneMember" xlink:to="czfs_InterestRateSwapOneMember_lbl2" xlink:title="label: InterestRateSwapOneMember to czfs_InterestRateSwapOneMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_InterestRateSwapFourMember" xlink:label="InterestRateSwapFourMember" xlink:title="InterestRateSwapFourMember" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapFourMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestRateSwapFourMember_lbl" xml:lang="en-US" id="czfs_InterestRateSwapFourMember_lbl">Forward based contracts in which two parties agree to swap periodic payments that are fixed at the outset of the swap contract with variable payments based on a market interest rate (index rate) over a specified period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapFourMember" xlink:to="czfs_InterestRateSwapFourMember_lbl" xlink:title="label: InterestRateSwapFourMember to czfs_InterestRateSwapFourMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapFourMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestRateSwapFourMember_lbl1" xml:lang="en-US" id="czfs_InterestRateSwapFourMember_lbl1">Interest Rate Swap Four [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapFourMember" xlink:to="czfs_InterestRateSwapFourMember_lbl1" xlink:title="label: InterestRateSwapFourMember to czfs_InterestRateSwapFourMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapFourMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_InterestRateSwapFourMember_lbl2" xml:lang="en-US" id="czfs_InterestRateSwapFourMember_lbl2">Interest Rate Swap with Fixed Interest Rate of 0.61% [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapFourMember" xlink:to="czfs_InterestRateSwapFourMember_lbl2" xlink:title="label: InterestRateSwapFourMember to czfs_InterestRateSwapFourMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_InterestRateSwapFiveMember" xlink:label="InterestRateSwapFiveMember" xlink:title="InterestRateSwapFiveMember" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapFiveMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestRateSwapFiveMember_lbl" xml:lang="en-US" id="czfs_InterestRateSwapFiveMember_lbl">Forward based contracts in which two parties agree to swap periodic payments that are fixed at the outset of the swap contract with variable payments based on a market interest rate (index rate) over a specified period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapFiveMember" xlink:to="czfs_InterestRateSwapFiveMember_lbl" xlink:title="label: InterestRateSwapFiveMember to czfs_InterestRateSwapFiveMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapFiveMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestRateSwapFiveMember_lbl1" xml:lang="en-US" id="czfs_InterestRateSwapFiveMember_lbl1">Interest Rate Swap Five [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapFiveMember" xlink:to="czfs_InterestRateSwapFiveMember_lbl1" xlink:title="label: InterestRateSwapFiveMember to czfs_InterestRateSwapFiveMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateSwapFiveMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_InterestRateSwapFiveMember_lbl2" xml:lang="en-US" id="czfs_InterestRateSwapFiveMember_lbl2">Interest Rate Swap with Fixed Interest Rate of 0.72% [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateSwapFiveMember" xlink:to="czfs_InterestRateSwapFiveMember_lbl2" xlink:title="label: InterestRateSwapFiveMember to czfs_InterestRateSwapFiveMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_OtherAssetsOtherLiabilitiesMember" xlink:label="OtherAssetsOtherLiabilitiesMember" xlink:title="OtherAssetsOtherLiabilitiesMember" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherAssetsOtherLiabilitiesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_OtherAssetsOtherLiabilitiesMember_lbl" xml:lang="en-US" id="czfs_OtherAssetsOtherLiabilitiesMember_lbl">Primary financial statement caption encompassing other assets and other liabilities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAssetsOtherLiabilitiesMember" xlink:to="czfs_OtherAssetsOtherLiabilitiesMember_lbl" xlink:title="label: OtherAssetsOtherLiabilitiesMember to czfs_OtherAssetsOtherLiabilitiesMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherAssetsOtherLiabilitiesMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_OtherAssetsOtherLiabilitiesMember_lbl1" xml:lang="en-US" id="czfs_OtherAssetsOtherLiabilitiesMember_lbl1">Other Assets/(Other Liabilities) [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAssetsOtherLiabilitiesMember" xlink:to="czfs_OtherAssetsOtherLiabilitiesMember_lbl1" xlink:title="label: OtherAssetsOtherLiabilitiesMember to czfs_OtherAssetsOtherLiabilitiesMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherAssetsOtherLiabilitiesMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_OtherAssetsOtherLiabilitiesMember_lbl2" xml:lang="en-US" id="czfs_OtherAssetsOtherLiabilitiesMember_lbl2">Other Assets/(Other Liabilities) [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAssetsOtherLiabilitiesMember" xlink:to="czfs_OtherAssetsOtherLiabilitiesMember_lbl2" xlink:title="label: OtherAssetsOtherLiabilitiesMember to czfs_OtherAssetsOtherLiabilitiesMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_InterestRateZeroPremiumCollarMember" xlink:label="InterestRateZeroPremiumCollarMember" xlink:title="InterestRateZeroPremiumCollarMember" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateZeroPremiumCollarMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestRateZeroPremiumCollarMember_lbl" xml:lang="en-US" id="czfs_InterestRateZeroPremiumCollarMember_lbl">A interest rate contract to hedge interest rate fluctuation, by combining an Interest Rate Cap with an Interest Rate Floor, it effectively converts a floating rate loan to a fixed rate one.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateZeroPremiumCollarMember" xlink:to="czfs_InterestRateZeroPremiumCollarMember_lbl" xlink:title="label: InterestRateZeroPremiumCollarMember to czfs_InterestRateZeroPremiumCollarMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateZeroPremiumCollarMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestRateZeroPremiumCollarMember_lbl1" xml:lang="en-US" id="czfs_InterestRateZeroPremiumCollarMember_lbl1">Interest Rate, Zero Premium Collar [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateZeroPremiumCollarMember" xlink:to="czfs_InterestRateZeroPremiumCollarMember_lbl1" xlink:title="label: InterestRateZeroPremiumCollarMember to czfs_InterestRateZeroPremiumCollarMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateZeroPremiumCollarMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_InterestRateZeroPremiumCollarMember_lbl2" xml:lang="en-US" id="czfs_InterestRateZeroPremiumCollarMember_lbl2">Zero Premium Collar [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateZeroPremiumCollarMember" xlink:to="czfs_InterestRateZeroPremiumCollarMember_lbl2" xlink:title="label: InterestRateZeroPremiumCollarMember to czfs_InterestRateZeroPremiumCollarMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_InterestRateZeroPremiumCollarTwoMember" xlink:label="InterestRateZeroPremiumCollarTwoMember" xlink:title="InterestRateZeroPremiumCollarTwoMember" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateZeroPremiumCollarTwoMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InterestRateZeroPremiumCollarTwoMember_lbl" xml:lang="en-US" id="czfs_InterestRateZeroPremiumCollarTwoMember_lbl">A interest rate contract to hedge interest rate fluctuation, by combining an Interest Rate Cap with an Interest Rate Floor, it effectively converts a floating rate loan to a fixed rate one.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateZeroPremiumCollarTwoMember" xlink:to="czfs_InterestRateZeroPremiumCollarTwoMember_lbl" xlink:title="label: InterestRateZeroPremiumCollarTwoMember to czfs_InterestRateZeroPremiumCollarTwoMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateZeroPremiumCollarTwoMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InterestRateZeroPremiumCollarTwoMember_lbl1" xml:lang="en-US" id="czfs_InterestRateZeroPremiumCollarTwoMember_lbl1">Interest Rate, Zero Premium Collar Two [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateZeroPremiumCollarTwoMember" xlink:to="czfs_InterestRateZeroPremiumCollarTwoMember_lbl1" xlink:title="label: InterestRateZeroPremiumCollarTwoMember to czfs_InterestRateZeroPremiumCollarTwoMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InterestRateZeroPremiumCollarTwoMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_InterestRateZeroPremiumCollarTwoMember_lbl2" xml:lang="en-US" id="czfs_InterestRateZeroPremiumCollarTwoMember_lbl2">Zero Premium Collar [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestRateZeroPremiumCollarTwoMember" xlink:to="czfs_InterestRateZeroPremiumCollarTwoMember_lbl2" xlink:title="label: InterestRateZeroPremiumCollarTwoMember to czfs_InterestRateZeroPremiumCollarTwoMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_MutualFundsMember" xlink:label="MutualFundsMember" xlink:title="MutualFundsMember" />
    <link:label xlink:type="resource" xlink:label="czfs_MutualFundsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_MutualFundsMember_lbl" xml:lang="en-US" id="czfs_MutualFundsMember_lbl">An investment that pools funds from many investors to invest in a combination of underlying investments, primarily equity investments.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MutualFundsMember" xlink:to="czfs_MutualFundsMember_lbl" xlink:title="label: MutualFundsMember to czfs_MutualFundsMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_MutualFundsMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_MutualFundsMember_lbl1" xml:lang="en-US" id="czfs_MutualFundsMember_lbl1">Mutual Funds [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MutualFundsMember" xlink:to="czfs_MutualFundsMember_lbl1" xlink:title="label: MutualFundsMember to czfs_MutualFundsMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_MutualFundsMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_MutualFundsMember_lbl2" xml:lang="en-US" id="czfs_MutualFundsMember_lbl2">Mutual Funds and ETF's [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MutualFundsMember" xlink:to="czfs_MutualFundsMember_lbl2" xlink:title="label: MutualFundsMember to czfs_MutualFundsMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_IncomeTaxReconciliationNondeductibleExpenseInterest" xlink:label="IncomeTaxReconciliationNondeductibleExpenseInterest" xlink:title="IncomeTaxReconciliationNondeductibleExpenseInterest" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl" xml:lang="en-US" id="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl">The portion of the difference between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to nondeductible expenses under enacted tax laws, or differences in the methodologies used to determine expense amounts for financial statements prepared in accordance with generally accepted accounting principles, related to interest expense.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationNondeductibleExpenseInterest" xlink:to="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl" xlink:title="label: IncomeTaxReconciliationNondeductibleExpenseInterest to czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl1" xml:lang="en-US" id="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl1">Income Tax Reconciliation, Nondeductible Expense, Interest</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationNondeductibleExpenseInterest" xlink:to="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl1" xlink:title="label: IncomeTaxReconciliationNondeductibleExpenseInterest to czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl2" xml:lang="en-US" id="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl2">Nondeductible interest</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationNondeductibleExpenseInterest" xlink:to="czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl2" xlink:title="label: IncomeTaxReconciliationNondeductibleExpenseInterest to czfs_IncomeTaxReconciliationNondeductibleExpenseInterest_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses" xlink:label="IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses" xlink:title="IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl" xml:lang="en-US" id="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl">The portion of the difference between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to nondeductible expenses under enacted tax laws, or differences in the methodologies used to determine expense amounts for financial statements prepared in accordance with generally accepted accounting principles, related to merger and acquisition expense.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses" xlink:to="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl" xlink:title="label: IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses to czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl1" xml:lang="en-US" id="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl1">Income Tax Reconciliation, Nondeductible Merger And Acquisition Expenses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses" xlink:to="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl1" xlink:title="label: IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses to czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl2" xml:lang="en-US" id="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl2">Nondeductible merger and acquisition expenses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses" xlink:to="czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl2" xlink:title="label: IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses to czfs_IncomeTaxReconciliationNondeductibleMergerAndAcquisitionExpenses_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing" xlink:label="IncomeTaxReconciliationTaxCreditsLowIncomeHousing" xlink:title="IncomeTaxReconciliationTaxCreditsLowIncomeHousing" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl" xml:lang="en-US" id="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl">The portion of the difference between total income tax expense or benefit as reported in the Income Statement and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to low income housing credits.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationTaxCreditsLowIncomeHousing" xlink:to="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl" xlink:title="label: IncomeTaxReconciliationTaxCreditsLowIncomeHousing to czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl1" xml:lang="en-US" id="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl1">Income Tax Reconciliation, Tax Credits, Low Income Housing</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationTaxCreditsLowIncomeHousing" xlink:to="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl1" xlink:title="label: IncomeTaxReconciliationTaxCreditsLowIncomeHousing to czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl2" xml:lang="en-US" id="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl2">Low income housing tax credits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationTaxCreditsLowIncomeHousing" xlink:to="czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl2" xlink:title="label: IncomeTaxReconciliationTaxCreditsLowIncomeHousing to czfs_IncomeTaxReconciliationTaxCreditsLowIncomeHousing_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance" xlink:label="IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance" xlink:title="IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl" xml:lang="en-US" id="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl">The portion of the difference between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to the increase in cash surrender value of life insurance.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance" xlink:to="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl" xlink:title="label: IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance to czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl1" xml:lang="en-US" id="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl1">Income Tax Reconciliation Increase In Cash Surrender Value of Life Insurance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance" xlink:to="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl1" xlink:title="label: IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance to czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl2" xml:lang="en-US" id="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl2">Bank owned life insurance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance" xlink:to="czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl2" xlink:title="label: IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance to czfs_IncomeTaxReconciliationIncreaseInCashSurrenderValueOfLifeInsurance_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod" xlink:label="AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod" xlink:title="AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod" />
    <link:label xlink:type="resource" xlink:label="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl" xml:lang="en-US" id="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl">The number of available-for-sale securities sold for a gross gain during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod" xlink:to="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl" xlink:title="label: AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod to czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl1" xml:lang="en-US" id="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl1">Available for sale Investment Securities Sold at a Gross Gain During the Period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod" xlink:to="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl1" xlink:title="label: AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod to czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl2" xml:lang="en-US" id="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl2">Available-for-sale securities sold at a gross gain</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod" xlink:to="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl2" xlink:title="label: AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod to czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossGainDuringPeriod_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod" xlink:label="AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod" xlink:title="AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod" />
    <link:label xlink:type="resource" xlink:label="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl" xml:lang="en-US" id="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl">The number of available-for-sale securities sold for a gross loss during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod" xlink:to="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl" xlink:title="label: AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod to czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl1" xml:lang="en-US" id="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl1">Available for sale Investment Securities Sold at a Gross Loss During the Period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod" xlink:to="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl1" xlink:title="label: AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod to czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl2" xml:lang="en-US" id="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl2">Available-for-sale securities sold at a gross loss</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod" xlink:to="czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl2" xlink:title="label: AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod to czfs_AvailableForSaleInvestmentSecuritiesSoldAtGrossLossDuringPeriod_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_FairValueAndCashFlowHedgingMember" xlink:label="FairValueAndCashFlowHedgingMember" xlink:title="FairValueAndCashFlowHedgingMember" />
    <link:label xlink:type="resource" xlink:label="czfs_FairValueAndCashFlowHedgingMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FairValueAndCashFlowHedgingMember_lbl" xml:lang="en-US" id="czfs_FairValueAndCashFlowHedgingMember_lbl">Hedge of the exposure to variability in the fair value and cash flows of a recognized asset or liability, or of a forecasted transaction, that is attributable to a particular risk.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueAndCashFlowHedgingMember" xlink:to="czfs_FairValueAndCashFlowHedgingMember_lbl" xlink:title="label: FairValueAndCashFlowHedgingMember to czfs_FairValueAndCashFlowHedgingMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FairValueAndCashFlowHedgingMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FairValueAndCashFlowHedgingMember_lbl1" xml:lang="en-US" id="czfs_FairValueAndCashFlowHedgingMember_lbl1">Fair Value and Cash Flow Hedging [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueAndCashFlowHedgingMember" xlink:to="czfs_FairValueAndCashFlowHedgingMember_lbl1" xlink:title="label: FairValueAndCashFlowHedgingMember to czfs_FairValueAndCashFlowHedgingMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FairValueAndCashFlowHedgingMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FairValueAndCashFlowHedgingMember_lbl2" xml:lang="en-US" id="czfs_FairValueAndCashFlowHedgingMember_lbl2">Fair Value and Cash Flow Hedging [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueAndCashFlowHedgingMember" xlink:to="czfs_FairValueAndCashFlowHedgingMember_lbl2" xlink:title="label: FairValueAndCashFlowHedgingMember to czfs_FairValueAndCashFlowHedgingMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DefinedBenefitPlanCostRecognized" xlink:label="DefinedBenefitPlanCostRecognized" xlink:title="DefinedBenefitPlanCostRecognized" />
    <link:label xlink:type="resource" xlink:label="czfs_DefinedBenefitPlanCostRecognized_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DefinedBenefitPlanCostRecognized_lbl" xml:lang="en-US" id="czfs_DefinedBenefitPlanCostRecognized_lbl">This represents the amount of expense recognized during the period, that is associated with the defined benefit pension plans.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanCostRecognized" xlink:to="czfs_DefinedBenefitPlanCostRecognized_lbl" xlink:title="label: DefinedBenefitPlanCostRecognized to czfs_DefinedBenefitPlanCostRecognized_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_DefinedBenefitPlanCostRecognized_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DefinedBenefitPlanCostRecognized_lbl1" xml:lang="en-US" id="czfs_DefinedBenefitPlanCostRecognized_lbl1">Defined Benefit Plan, Cost Recognized</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanCostRecognized" xlink:to="czfs_DefinedBenefitPlanCostRecognized_lbl1" xlink:title="label: DefinedBenefitPlanCostRecognized to czfs_DefinedBenefitPlanCostRecognized_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_DefinedBenefitPlanCostRecognized_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_DefinedBenefitPlanCostRecognized_lbl2" xml:lang="en-US" id="czfs_DefinedBenefitPlanCostRecognized_lbl2">Cost recognized</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanCostRecognized" xlink:to="czfs_DefinedBenefitPlanCostRecognized_lbl2" xlink:title="label: DefinedBenefitPlanCostRecognized to czfs_DefinedBenefitPlanCostRecognized_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DeferredCompensationPlanMember" xlink:label="DeferredCompensationPlanMember" xlink:title="DeferredCompensationPlanMember" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredCompensationPlanMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DeferredCompensationPlanMember_lbl" xml:lang="en-US" id="czfs_DeferredCompensationPlanMember_lbl">Plan is an arrangement in which a portion of an employee's income is paid out at a later date after which the income was earned.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredCompensationPlanMember" xlink:to="czfs_DeferredCompensationPlanMember_lbl" xlink:title="label: DeferredCompensationPlanMember to czfs_DeferredCompensationPlanMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredCompensationPlanMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DeferredCompensationPlanMember_lbl1" xml:lang="en-US" id="czfs_DeferredCompensationPlanMember_lbl1">Deferred Compensation Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredCompensationPlanMember" xlink:to="czfs_DeferredCompensationPlanMember_lbl1" xlink:title="label: DeferredCompensationPlanMember to czfs_DeferredCompensationPlanMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredCompensationPlanMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_DeferredCompensationPlanMember_lbl2" xml:lang="en-US" id="czfs_DeferredCompensationPlanMember_lbl2">Deferred Compensation Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredCompensationPlanMember" xlink:to="czfs_DeferredCompensationPlanMember_lbl2" xlink:title="label: DeferredCompensationPlanMember to czfs_DeferredCompensationPlanMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_SalaryContinuationPlanMember" xlink:label="SalaryContinuationPlanMember" xlink:title="SalaryContinuationPlanMember" />
    <link:label xlink:type="resource" xlink:label="czfs_SalaryContinuationPlanMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_SalaryContinuationPlanMember_lbl" xml:lang="en-US" id="czfs_SalaryContinuationPlanMember_lbl">Refers to the plan designed to provide participants with a salary benefit. Excludes other postretirement benefit plans.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SalaryContinuationPlanMember" xlink:to="czfs_SalaryContinuationPlanMember_lbl" xlink:title="label: SalaryContinuationPlanMember to czfs_SalaryContinuationPlanMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_SalaryContinuationPlanMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_SalaryContinuationPlanMember_lbl1" xml:lang="en-US" id="czfs_SalaryContinuationPlanMember_lbl1">Salary Continuation Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SalaryContinuationPlanMember" xlink:to="czfs_SalaryContinuationPlanMember_lbl1" xlink:title="label: SalaryContinuationPlanMember to czfs_SalaryContinuationPlanMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.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-20211231.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-20211231.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, measured in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</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-20211231.xsd#czfs_ImpairedLoansMeasurementInput" xlink:label="ImpairedLoansMeasurementInput" xlink:title="ImpairedLoansMeasurementInput" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedLoansMeasurementInput_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ImpairedLoansMeasurementInput_lbl" xml:lang="en-US" id="czfs_ImpairedLoansMeasurementInput_lbl">Value of input used to measure investment in impaired loans at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansMeasurementInput" xlink:to="czfs_ImpairedLoansMeasurementInput_lbl" xlink:title="label: ImpairedLoansMeasurementInput to czfs_ImpairedLoansMeasurementInput_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedLoansMeasurementInput_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ImpairedLoansMeasurementInput_lbl1" xml:lang="en-US" id="czfs_ImpairedLoansMeasurementInput_lbl1">Impaired Loans Measurement Input</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansMeasurementInput" xlink:to="czfs_ImpairedLoansMeasurementInput_lbl1" xlink:title="label: ImpairedLoansMeasurementInput to czfs_ImpairedLoansMeasurementInput_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ImpairedLoansMeasurementInput_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_ImpairedLoansMeasurementInput_lbl2" xml:lang="en-US" id="czfs_ImpairedLoansMeasurementInput_lbl2">Impaired loans, Measurement input</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansMeasurementInput" xlink:to="czfs_ImpairedLoansMeasurementInput_lbl2" xlink:title="label: ImpairedLoansMeasurementInput to czfs_ImpairedLoansMeasurementInput_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.xsd#czfs_FirstCitizensCommunityBankPlanMember" xlink:label="FirstCitizensCommunityBankPlanMember" xlink:title="FirstCitizensCommunityBankPlanMember" />
    <link:label xlink:type="resource" xlink:label="czfs_FirstCitizensCommunityBankPlanMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FirstCitizensCommunityBankPlanMember_lbl" xml:lang="en-US" id="czfs_FirstCitizensCommunityBankPlanMember_lbl">Name of the plan related to pension benefits.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FirstCitizensCommunityBankPlanMember" xlink:to="czfs_FirstCitizensCommunityBankPlanMember_lbl" xlink:title="label: FirstCitizensCommunityBankPlanMember to czfs_FirstCitizensCommunityBankPlanMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FirstCitizensCommunityBankPlanMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FirstCitizensCommunityBankPlanMember_lbl1" xml:lang="en-US" id="czfs_FirstCitizensCommunityBankPlanMember_lbl1">First Citizens Community Bank Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FirstCitizensCommunityBankPlanMember" xlink:to="czfs_FirstCitizensCommunityBankPlanMember_lbl1" xlink:title="label: FirstCitizensCommunityBankPlanMember to czfs_FirstCitizensCommunityBankPlanMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FirstCitizensCommunityBankPlanMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FirstCitizensCommunityBankPlanMember_lbl2" xml:lang="en-US" id="czfs_FirstCitizensCommunityBankPlanMember_lbl2">FCCB Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FirstCitizensCommunityBankPlanMember" xlink:to="czfs_FirstCitizensCommunityBankPlanMember_lbl2" xlink:title="label: FirstCitizensCommunityBankPlanMember to czfs_FirstCitizensCommunityBankPlanMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_FirstNationalBankOfFredericksburgPlanMember" xlink:label="FirstNationalBankOfFredericksburgPlanMember" xlink:title="FirstNationalBankOfFredericksburgPlanMember" />
    <link:label xlink:type="resource" xlink:label="czfs_FirstNationalBankOfFredericksburgPlanMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_FirstNationalBankOfFredericksburgPlanMember_lbl" xml:lang="en-US" id="czfs_FirstNationalBankOfFredericksburgPlanMember_lbl">Name of the plan related to pension benefits.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FirstNationalBankOfFredericksburgPlanMember" xlink:to="czfs_FirstNationalBankOfFredericksburgPlanMember_lbl" xlink:title="label: FirstNationalBankOfFredericksburgPlanMember to czfs_FirstNationalBankOfFredericksburgPlanMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_FirstNationalBankOfFredericksburgPlanMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_FirstNationalBankOfFredericksburgPlanMember_lbl1" xml:lang="en-US" id="czfs_FirstNationalBankOfFredericksburgPlanMember_lbl1">First National Bank of Fredericksburg Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FirstNationalBankOfFredericksburgPlanMember" xlink:to="czfs_FirstNationalBankOfFredericksburgPlanMember_lbl1" xlink:title="label: FirstNationalBankOfFredericksburgPlanMember to czfs_FirstNationalBankOfFredericksburgPlanMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_FirstNationalBankOfFredericksburgPlanMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_FirstNationalBankOfFredericksburgPlanMember_lbl2" xml:lang="en-US" id="czfs_FirstNationalBankOfFredericksburgPlanMember_lbl2">FNB Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FirstNationalBankOfFredericksburgPlanMember" xlink:to="czfs_FirstNationalBankOfFredericksburgPlanMember_lbl2" xlink:title="label: FirstNationalBankOfFredericksburgPlanMember to czfs_FirstNationalBankOfFredericksburgPlanMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.xsd#czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K" xlink:label="DefinedContributionPlanEmployerDiscretionaryContributionTo401K" xlink:title="DefinedContributionPlanEmployerDiscretionaryContributionTo401K" />
    <link:label xlink:type="resource" xlink:label="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl" xml:lang="en-US" id="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl">Amount of discretionary contributions to 401 (k) plan made by an employer for employees hired after January 1, 2007.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedContributionPlanEmployerDiscretionaryContributionTo401K" xlink:to="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl" xlink:title="label: DefinedContributionPlanEmployerDiscretionaryContributionTo401K to czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl1" xml:lang="en-US" id="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl1">Defined Contribution Plan Employer Discretionary Contribution To 401 K</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedContributionPlanEmployerDiscretionaryContributionTo401K" xlink:to="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl1" xlink:title="label: DefinedContributionPlanEmployerDiscretionaryContributionTo401K to czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl2" xml:lang="en-US" id="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl2">Employer discretionary contribution to 401 (k) plan</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedContributionPlanEmployerDiscretionaryContributionTo401K" xlink:to="czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl2" xlink:title="label: DefinedContributionPlanEmployerDiscretionaryContributionTo401K to czfs_DefinedContributionPlanEmployerDiscretionaryContributionTo401K_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_RevenueFromContractWithCustomerOther" xlink:label="RevenueFromContractWithCustomerOther" xlink:title="RevenueFromContractWithCustomerOther" />
    <link:label xlink:type="resource" xlink:label="czfs_RevenueFromContractWithCustomerOther_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_RevenueFromContractWithCustomerOther_lbl" xml:lang="en-US" id="czfs_RevenueFromContractWithCustomerOther_lbl">Amount, excluding tax collected from customer, of other revenue from satisfaction of performance obligation by transferring promised good or service to customer. Tax collected from customer is tax assessed by governmental authority that is both imposed on and concurrent with specific revenue-producing transaction, including, but not limited to, sales, use, value added and excise.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RevenueFromContractWithCustomerOther" xlink:to="czfs_RevenueFromContractWithCustomerOther_lbl" xlink:title="label: RevenueFromContractWithCustomerOther to czfs_RevenueFromContractWithCustomerOther_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_RevenueFromContractWithCustomerOther_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_RevenueFromContractWithCustomerOther_lbl1" xml:lang="en-US" id="czfs_RevenueFromContractWithCustomerOther_lbl1">Revenue From Contract With Customer Other</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RevenueFromContractWithCustomerOther" xlink:to="czfs_RevenueFromContractWithCustomerOther_lbl1" xlink:title="label: RevenueFromContractWithCustomerOther to czfs_RevenueFromContractWithCustomerOther_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_RevenueFromContractWithCustomerOther_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_RevenueFromContractWithCustomerOther_lbl2" xml:lang="en-US" id="czfs_RevenueFromContractWithCustomerOther_lbl2">Other</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RevenueFromContractWithCustomerOther" xlink:to="czfs_RevenueFromContractWithCustomerOther_lbl2" xlink:title="label: RevenueFromContractWithCustomerOther to czfs_RevenueFromContractWithCustomerOther_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.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-20211231.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-20211231.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-20211231.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:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_OtherTaxInformationAbstract" xlink:label="OtherTaxInformationAbstract" xlink:title="OtherTaxInformationAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_OtherTaxInformationAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_OtherTaxInformationAbstract_lbl1" xml:lang="en-US" id="czfs_OtherTaxInformationAbstract_lbl1">Other Tax Information [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherTaxInformationAbstract" xlink:to="czfs_OtherTaxInformationAbstract_lbl1" xlink:title="label: OtherTaxInformationAbstract to czfs_OtherTaxInformationAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement" xlink:label="MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement" xlink:title="MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement" />
    <link:label xlink:type="resource" xlink:label="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl" xml:lang="en-US" id="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl">Represents minimum percentages of tax position liable to be realized upon ultimate settlement.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement" xlink:to="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl" xlink:title="label: MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement to czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl1" xml:lang="en-US" id="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl1">Minimum percentages of tax position liable to be realized upon ultimate settlement</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement" xlink:to="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl1" xlink:title="label: MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement to czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl2" xml:lang="en-US" id="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl2">Minimum percentages of tax position liable to be realized upon ultimate settlement</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement" xlink:to="czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl2" xlink:title="label: MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement to czfs_MinimumPercentagesOfTaxPositionLiableToBeRealizedUponUltimateSettlement_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_NumberOfInvestmentsInPartnerships" xlink:label="NumberOfInvestmentsInPartnerships" xlink:title="NumberOfInvestmentsInPartnerships" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfInvestmentsInPartnerships_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_NumberOfInvestmentsInPartnerships_lbl" xml:lang="en-US" id="czfs_NumberOfInvestmentsInPartnerships_lbl">Represents the number of investments in partnerships 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="NumberOfInvestmentsInPartnerships" xlink:to="czfs_NumberOfInvestmentsInPartnerships_lbl" xlink:title="label: NumberOfInvestmentsInPartnerships to czfs_NumberOfInvestmentsInPartnerships_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfInvestmentsInPartnerships_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_NumberOfInvestmentsInPartnerships_lbl1" xml:lang="en-US" id="czfs_NumberOfInvestmentsInPartnerships_lbl1">Number of Investments in Partnerships</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfInvestmentsInPartnerships" xlink:to="czfs_NumberOfInvestmentsInPartnerships_lbl1" xlink:title="label: NumberOfInvestmentsInPartnerships to czfs_NumberOfInvestmentsInPartnerships_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfInvestmentsInPartnerships_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_NumberOfInvestmentsInPartnerships_lbl2" xml:lang="en-US" id="czfs_NumberOfInvestmentsInPartnerships_lbl2">Number of investments in partnerships</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfInvestmentsInPartnerships" xlink:to="czfs_NumberOfInvestmentsInPartnerships_lbl2" xlink:title="label: NumberOfInvestmentsInPartnerships to czfs_NumberOfInvestmentsInPartnerships_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_TaxCreditCarryforwardAbstract" xlink:label="TaxCreditCarryforwardAbstract" xlink:title="TaxCreditCarryforwardAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_TaxCreditCarryforwardAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_TaxCreditCarryforwardAbstract_lbl1" xml:lang="en-US" id="czfs_TaxCreditCarryforwardAbstract_lbl1">Tax Credit Carryforward [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TaxCreditCarryforwardAbstract" xlink:to="czfs_TaxCreditCarryforwardAbstract_lbl1" xlink:title="label: TaxCreditCarryforwardAbstract to czfs_TaxCreditCarryforwardAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_RecognizedIncomeTaxCredits" xlink:label="RecognizedIncomeTaxCredits" xlink:title="RecognizedIncomeTaxCredits" />
    <link:label xlink:type="resource" xlink:label="czfs_RecognizedIncomeTaxCredits_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_RecognizedIncomeTaxCredits_lbl" xml:lang="en-US" id="czfs_RecognizedIncomeTaxCredits_lbl">The amount of recognized income tax credits during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RecognizedIncomeTaxCredits" xlink:to="czfs_RecognizedIncomeTaxCredits_lbl" xlink:title="label: RecognizedIncomeTaxCredits to czfs_RecognizedIncomeTaxCredits_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_RecognizedIncomeTaxCredits_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_RecognizedIncomeTaxCredits_lbl1" xml:lang="en-US" id="czfs_RecognizedIncomeTaxCredits_lbl1">Recognized Income Tax Credits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RecognizedIncomeTaxCredits" xlink:to="czfs_RecognizedIncomeTaxCredits_lbl1" xlink:title="label: RecognizedIncomeTaxCredits to czfs_RecognizedIncomeTaxCredits_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_RecognizedIncomeTaxCredits_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_RecognizedIncomeTaxCredits_lbl2" xml:lang="en-US" id="czfs_RecognizedIncomeTaxCredits_lbl2">Tax credits recognized as reduction of tax expense amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RecognizedIncomeTaxCredits" xlink:to="czfs_RecognizedIncomeTaxCredits_lbl2" xlink:title="label: RecognizedIncomeTaxCredits to czfs_RecognizedIncomeTaxCredits_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_ExpectedTaxCreditCarryforwardAmount" xlink:label="ExpectedTaxCreditCarryforwardAmount" xlink:title="ExpectedTaxCreditCarryforwardAmount" />
    <link:label xlink:type="resource" xlink:label="czfs_ExpectedTaxCreditCarryforwardAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ExpectedTaxCreditCarryforwardAmount_lbl" xml:lang="en-US" id="czfs_ExpectedTaxCreditCarryforwardAmount_lbl">Expected amount of the tax credit carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedTaxCreditCarryforwardAmount" xlink:to="czfs_ExpectedTaxCreditCarryforwardAmount_lbl" xlink:title="label: ExpectedTaxCreditCarryforwardAmount to czfs_ExpectedTaxCreditCarryforwardAmount_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ExpectedTaxCreditCarryforwardAmount_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ExpectedTaxCreditCarryforwardAmount_lbl1" xml:lang="en-US" id="czfs_ExpectedTaxCreditCarryforwardAmount_lbl1">Expected Tax Credit Carryforward Amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedTaxCreditCarryforwardAmount" xlink:to="czfs_ExpectedTaxCreditCarryforwardAmount_lbl1" xlink:title="label: ExpectedTaxCreditCarryforwardAmount to czfs_ExpectedTaxCreditCarryforwardAmount_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ExpectedTaxCreditCarryforwardAmount_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ExpectedTaxCreditCarryforwardAmount_lbl2" xml:lang="en-US" id="czfs_ExpectedTaxCreditCarryforwardAmount_lbl2">Expected investment tax credit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedTaxCreditCarryforwardAmount" xlink:to="czfs_ExpectedTaxCreditCarryforwardAmount_lbl2" xlink:title="label: ExpectedTaxCreditCarryforwardAmount to czfs_ExpectedTaxCreditCarryforwardAmount_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_TaxCreditsRecognitionTerm" xlink:label="TaxCreditsRecognitionTerm" xlink:title="TaxCreditsRecognitionTerm" />
    <link:label xlink:type="resource" xlink:label="czfs_TaxCreditsRecognitionTerm_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_TaxCreditsRecognitionTerm_lbl" xml:lang="en-US" id="czfs_TaxCreditsRecognitionTerm_lbl">The term over which tax credits will be recognized.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TaxCreditsRecognitionTerm" xlink:to="czfs_TaxCreditsRecognitionTerm_lbl" xlink:title="label: TaxCreditsRecognitionTerm to czfs_TaxCreditsRecognitionTerm_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_TaxCreditsRecognitionTerm_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_TaxCreditsRecognitionTerm_lbl1" xml:lang="en-US" id="czfs_TaxCreditsRecognitionTerm_lbl1">Tax Credits Recognition term</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TaxCreditsRecognitionTerm" xlink:to="czfs_TaxCreditsRecognitionTerm_lbl1" xlink:title="label: TaxCreditsRecognitionTerm to czfs_TaxCreditsRecognitionTerm_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_TaxCreditsRecognitionTerm_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_TaxCreditsRecognitionTerm_lbl2" xml:lang="en-US" id="czfs_TaxCreditsRecognitionTerm_lbl2">Tax credits recognition period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TaxCreditsRecognitionTerm" xlink:to="czfs_TaxCreditsRecognitionTerm_lbl2" xlink:title="label: TaxCreditsRecognitionTerm to czfs_TaxCreditsRecognitionTerm_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_ExpectedTaxCreditsRecognitionTerm" xlink:label="ExpectedTaxCreditsRecognitionTerm" xlink:title="ExpectedTaxCreditsRecognitionTerm" />
    <link:label xlink:type="resource" xlink:label="czfs_ExpectedTaxCreditsRecognitionTerm_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_ExpectedTaxCreditsRecognitionTerm_lbl" xml:lang="en-US" id="czfs_ExpectedTaxCreditsRecognitionTerm_lbl">Expected term over which tax credits will be recognized, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedTaxCreditsRecognitionTerm" xlink:to="czfs_ExpectedTaxCreditsRecognitionTerm_lbl" xlink:title="label: ExpectedTaxCreditsRecognitionTerm to czfs_ExpectedTaxCreditsRecognitionTerm_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_ExpectedTaxCreditsRecognitionTerm_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ExpectedTaxCreditsRecognitionTerm_lbl1" xml:lang="en-US" id="czfs_ExpectedTaxCreditsRecognitionTerm_lbl1">Expected Tax Credits Recognition Term</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedTaxCreditsRecognitionTerm" xlink:to="czfs_ExpectedTaxCreditsRecognitionTerm_lbl1" xlink:title="label: ExpectedTaxCreditsRecognitionTerm to czfs_ExpectedTaxCreditsRecognitionTerm_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ExpectedTaxCreditsRecognitionTerm_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ExpectedTaxCreditsRecognitionTerm_lbl2" xml:lang="en-US" id="czfs_ExpectedTaxCreditsRecognitionTerm_lbl2">Expected tax credits recognition period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedTaxCreditsRecognitionTerm" xlink:to="czfs_ExpectedTaxCreditsRecognitionTerm_lbl2" xlink:title="label: ExpectedTaxCreditsRecognitionTerm to czfs_ExpectedTaxCreditsRecognitionTerm_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DeferredTaxAssetsTaxDeferredExpenseRightOfUseAsset" xlink:label="DeferredTaxAssetsTaxDeferredExpenseRightOfUseAsset" xlink:title="DeferredTaxAssetsTaxDeferredExpenseRightOfUseAsset" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts" xlink:label="DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts" xlink:title="DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts_lbl" xml:lang="en-US" id="czfs_DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts_lbl">Amount before allocation of valuation allowances of deferred tax asset attributable to merger &amp; acquisition costs.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts" xlink:to="czfs_DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts_lbl" xlink:title="label: DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts to czfs_DeferredTaxAssetsTaxDeferredExpenseMergerAndAcquisitionCosts_lbl" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DeferredTaxLiabilitiesUnrealizedGainsOnInterestRateSwap" xlink:label="DeferredTaxLiabilitiesUnrealizedGainsOnInterestRateSwap" xlink:title="DeferredTaxLiabilitiesUnrealizedGainsOnInterestRateSwap" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxLiabilitiesUnrealizedGainsOnInterestRateSwap_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DeferredTaxLiabilitiesUnrealizedGainsOnInterestRateSwap_lbl" xml:lang="en-US" id="czfs_DeferredTaxLiabilitiesUnrealizedGainsOnInterestRateSwap_lbl">Amount before allocation of valuation allowances of deferred tax liabilities attributable to deductible temporary differences from unrealized gains on interest rate swap.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesUnrealizedGainsOnInterestRateSwap" xlink:to="czfs_DeferredTaxLiabilitiesUnrealizedGainsOnInterestRateSwap_lbl" xlink:title="label: DeferredTaxLiabilitiesUnrealizedGainsOnInterestRateSwap to czfs_DeferredTaxLiabilitiesUnrealizedGainsOnInterestRateSwap_lbl" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DeferredTaxLiabilitiesRightOfUseAsset" xlink:label="DeferredTaxLiabilitiesRightOfUseAsset" xlink:title="DeferredTaxLiabilitiesRightOfUseAsset" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl" xml:lang="en-US" id="czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl">Amount of deferred tax liability attributable to right of use asset.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesRightOfUseAsset" xlink:to="czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl" xlink:title="label: DeferredTaxLiabilitiesRightOfUseAsset to czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl1" xml:lang="en-US" id="czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl1">Deferred Tax Liabilities, Right of Use Asset</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesRightOfUseAsset" xlink:to="czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl1" xlink:title="label: DeferredTaxLiabilitiesRightOfUseAsset to czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl2" xml:lang="en-US" id="czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl2">Right of use asset</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesRightOfUseAsset" xlink:to="czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl2" xlink:title="label: DeferredTaxLiabilitiesRightOfUseAsset to czfs_DeferredTaxLiabilitiesRightOfUseAsset_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation" xlink:label="DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation" xlink:title="DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl" xml:lang="en-US" id="czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl">Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from pension benefits and other retirement obligation.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation" xlink:to="czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl" xlink:title="label: DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation to czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl1" xml:lang="en-US" id="czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl1">Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Pensions and Other Retirement Obligation</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation" xlink:to="czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl1" xlink:title="label: DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation to czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl2" xml:lang="en-US" id="czfs_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensionsAndOtherRetirementObligation_lbl2">Pension and other retirement obligation</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned" xlink:label="DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned" xlink:title="DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned_lbl" xml:lang="en-US" id="czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned_lbl">Amount, before allocation of valuation allowance, of deferred tax asset attributable to other real estate owned.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned" xlink:to="czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned_lbl" xlink:title="label: DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned to czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned_lbl1" xml:lang="en-US" id="czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned_lbl1">Deferred Tax Assets, Tax Deferred Expense, Other Real Estate Owned</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned" xlink:to="czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned_lbl1" xlink:title="label: DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned to czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned_lbl1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned" xlink:to="czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned_lbl2" xlink:title="label: DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned to czfs_DeferredTaxAssetsTaxDeferredExpenseOtherRealEstateOwned_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DeferredTaxAssetsLowIncomeHousingTaxCredits" xlink:label="DeferredTaxAssetsLowIncomeHousingTaxCredits" xlink:title="DeferredTaxAssetsLowIncomeHousingTaxCredits" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxAssetsLowIncomeHousingTaxCredits_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DeferredTaxAssetsLowIncomeHousingTaxCredits_lbl" xml:lang="en-US" id="czfs_DeferredTaxAssetsLowIncomeHousingTaxCredits_lbl">Amount of deferred tax asset attributable to taxable temporary differences related to low income housing credits.</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DeferredTaxAssetsInterestOnNonAccrualLoans" xlink:label="DeferredTaxAssetsInterestOnNonAccrualLoans" xlink:title="DeferredTaxAssetsInterestOnNonAccrualLoans" />
    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxAssetsInterestOnNonAccrualLoans_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DeferredTaxAssetsInterestOnNonAccrualLoans_lbl" xml:lang="en-US" id="czfs_DeferredTaxAssetsInterestOnNonAccrualLoans_lbl">Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences related to interest income on non-accrual loans.</link:label>
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    <link:label xlink:type="resource" xlink:label="czfs_DeferredTaxAssetsInterestOnNonAccrualLoans_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DeferredTaxAssetsInterestOnNonAccrualLoans_lbl1" xml:lang="en-US" id="czfs_DeferredTaxAssetsInterestOnNonAccrualLoans_lbl1">Deferred Tax Assets, Interest on Non accrual Loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxAssetsInterestOnNonAccrualLoans" xlink:to="czfs_DeferredTaxAssetsInterestOnNonAccrualLoans_lbl1" xlink:title="label: DeferredTaxAssetsInterestOnNonAccrualLoans to czfs_DeferredTaxAssetsInterestOnNonAccrualLoans_lbl1" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DeferredTaxAssetsAllowanceForLossesOnAvailableForSaleSecurities" xlink:label="DeferredTaxAssetsAllowanceForLossesOnAvailableForSaleSecurities" xlink:title="DeferredTaxAssetsAllowanceForLossesOnAvailableForSaleSecurities" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableLiabilitiesAcquiredAtFairValueOtherLiabilities" xlink:label="BusinessCombinationRecognizedIdentifiableLiabilitiesAcquiredAtFairValueOtherLiabilities" xlink:title="BusinessCombinationRecognizedIdentifiableLiabilitiesAcquiredAtFairValueOtherLiabilities" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationFairValueLoansAbstract" xlink:label="BusinessCombinationFairValueLoansAbstract" xlink:title="BusinessCombinationFairValueLoansAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationFairValueLoansAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessCombinationFairValueLoansAbstract_lbl1" xml:lang="en-US" id="czfs_BusinessCombinationFairValueLoansAbstract_lbl1">Business Combination Fair Value Loans [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationFairValueLoansAbstract" xlink:to="czfs_BusinessCombinationFairValueLoansAbstract_lbl1" xlink:title="label: BusinessCombinationFairValueLoansAbstract to czfs_BusinessCombinationFairValueLoansAbstract_lbl1" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSpecificCreditAmortizing" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSpecificCreditAmortizing" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSpecificCreditAmortizing" />
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSpecificCreditNonAmortizing" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSpecificCreditNonAmortizing" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSpecificCreditNonAmortizing" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSpecificCreditNonAmortizing_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSpecificCreditNonAmortizing_lbl" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSpecificCreditNonAmortizing_lbl">Amount of specific credit non-amortizing loan to acquire entity in connection with a business combination.</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_PurchasePriceConsiderationInCommonStockAbstract" xlink:label="PurchasePriceConsiderationInCommonStockAbstract" xlink:title="PurchasePriceConsiderationInCommonStockAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_PurchasePriceConsiderationInCommonStockAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_PurchasePriceConsiderationInCommonStockAbstract_lbl1" xml:lang="en-US" id="czfs_PurchasePriceConsiderationInCommonStockAbstract_lbl1">Purchase Price Consideration in Common Stock [Abstract]</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PurchasePriceConsiderationInCommonStockAbstract" xlink:to="czfs_PurchasePriceConsiderationInCommonStockAbstract_lbl2" xlink:title="label: PurchasePriceConsiderationInCommonStockAbstract to czfs_PurchasePriceConsiderationInCommonStockAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAtFairValueDeferredTaxAssets" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAtFairValueDeferredTaxAssets" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAtFairValueDeferredTaxAssets" />
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    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAtFairValueDeferredTaxAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAtFairValueDeferredTaxAssets_lbl1" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAtFairValueDeferredTaxAssets_lbl1">Business Combination Recognized Identifiable Assets Acquired at Fair Value, Deferred Tax Assets</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedGeneralCredit" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedGeneralCredit" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedGeneralCredit" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedGeneralCredit_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedGeneralCredit_lbl" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedGeneralCredit_lbl">Amount of general credit at fair value of the noncontrolling interest in the acquiree at the acquisition date.</link:label>
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    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl">Amount of interest rate to acquire entity in connection with a business combination.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate" xlink:to="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl" xlink:title="label: BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate to czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl1" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl1">Business Combination Recognized Identifiable Assets Acquired and Liabilities Assumed, Interest Rate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate" xlink:to="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl1" xlink:title="label: BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate to czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl2" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl2">Interest rate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate" xlink:to="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl2" xlink:title="label: BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate to czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestRate_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments" xlink:label="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments" xlink:title="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl">The amount of investments recognized as of the acquisition date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments" xlink:to="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl" xlink:title="label: BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments to czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl1" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl1">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Investments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments" xlink:to="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl1" xlink:title="label: BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments to czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl2" xml:lang="en-US" id="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl2">Investments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments" xlink:to="czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl2" xlink:title="label: BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments to czfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestments_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged" xlink:label="BusinessAcquisitionPurchasePriceAssignedForSharesExchanged" xlink:title="BusinessAcquisitionPurchasePriceAssignedForSharesExchanged" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl" xml:lang="en-US" id="czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl">Value of equity interests (such as common shares, preferred shares, or partnership interest) exchanged during acquisition of the entity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionPurchasePriceAssignedForSharesExchanged" xlink:to="czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl" xlink:title="label: BusinessAcquisitionPurchasePriceAssignedForSharesExchanged to czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl1" xml:lang="en-US" id="czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl1">Business Acquisition, Purchase Price Assigned for Shares Exchanged</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionPurchasePriceAssignedForSharesExchanged" xlink:to="czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl1" xlink:title="label: BusinessAcquisitionPurchasePriceAssignedForSharesExchanged to czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl2" xml:lang="en-US" id="czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl2">Purchase price assigned to MidCoast common shares exchanged for Citizens Financial Services, Inc.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionPurchasePriceAssignedForSharesExchanged" xlink:to="czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl2" xlink:title="label: BusinessAcquisitionPurchasePriceAssignedForSharesExchanged to czfs_BusinessAcquisitionPurchasePriceAssignedForSharesExchanged_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_CoveragePeriodForInstruments" xlink:label="CoveragePeriodForInstruments" xlink:title="CoveragePeriodForInstruments" />
    <link:label xlink:type="resource" xlink:label="czfs_CoveragePeriodForInstruments_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_CoveragePeriodForInstruments_lbl" xml:lang="en-US" id="czfs_CoveragePeriodForInstruments_lbl">The typical coverage period for credit extension commitments.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CoveragePeriodForInstruments" xlink:to="czfs_CoveragePeriodForInstruments_lbl" xlink:title="label: CoveragePeriodForInstruments to czfs_CoveragePeriodForInstruments_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_CoveragePeriodForInstruments_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_CoveragePeriodForInstruments_lbl1" xml:lang="en-US" id="czfs_CoveragePeriodForInstruments_lbl1">Coverage Period For Instruments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CoveragePeriodForInstruments" xlink:to="czfs_CoveragePeriodForInstruments_lbl1" xlink:title="label: CoveragePeriodForInstruments to czfs_CoveragePeriodForInstruments_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_CoveragePeriodForInstruments_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_CoveragePeriodForInstruments_lbl2" xml:lang="en-US" id="czfs_CoveragePeriodForInstruments_lbl2">Coverage period for instruments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CoveragePeriodForInstruments" xlink:to="czfs_CoveragePeriodForInstruments_lbl2" xlink:title="label: CoveragePeriodForInstruments to czfs_CoveragePeriodForInstruments_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_CreditExtensionCommitmentsAbstract" xlink:label="CreditExtensionCommitmentsAbstract" xlink:title="CreditExtensionCommitmentsAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_CreditExtensionCommitmentsAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_CreditExtensionCommitmentsAbstract_lbl1" xml:lang="en-US" id="czfs_CreditExtensionCommitmentsAbstract_lbl1">Credit Extension Commitments [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CreditExtensionCommitmentsAbstract" xlink:to="czfs_CreditExtensionCommitmentsAbstract_lbl1" xlink:title="label: CreditExtensionCommitmentsAbstract to czfs_CreditExtensionCommitmentsAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_WilmingtonMember" xlink:label="WilmingtonMember" xlink:title="WilmingtonMember" />
    <link:label xlink:type="resource" xlink:label="czfs_WilmingtonMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_WilmingtonMember_lbl" xml:lang="en-US" id="czfs_WilmingtonMember_lbl">A city in Delaware.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WilmingtonMember" xlink:to="czfs_WilmingtonMember_lbl" xlink:title="label: WilmingtonMember to czfs_WilmingtonMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_WilmingtonMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_WilmingtonMember_lbl1" xml:lang="en-US" id="czfs_WilmingtonMember_lbl1">Wilmington [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WilmingtonMember" xlink:to="czfs_WilmingtonMember_lbl1" xlink:title="label: WilmingtonMember to czfs_WilmingtonMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_WilmingtonMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_WilmingtonMember_lbl2" xml:lang="en-US" id="czfs_WilmingtonMember_lbl2">Wilmington [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WilmingtonMember" xlink:to="czfs_WilmingtonMember_lbl2" xlink:title="label: WilmingtonMember to czfs_WilmingtonMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_NumberOfBranches" xlink:label="NumberOfBranches" xlink:title="NumberOfBranches" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfBranches_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_NumberOfBranches_lbl" xml:lang="en-US" id="czfs_NumberOfBranches_lbl">Number of branches in which company operates.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfBranches" xlink:to="czfs_NumberOfBranches_lbl" xlink:title="label: NumberOfBranches to czfs_NumberOfBranches_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfBranches_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_NumberOfBranches_lbl1" xml:lang="en-US" id="czfs_NumberOfBranches_lbl1">Number of Branches</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfBranches" xlink:to="czfs_NumberOfBranches_lbl1" xlink:title="label: NumberOfBranches to czfs_NumberOfBranches_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfBranches_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_NumberOfBranches_lbl2" xml:lang="en-US" id="czfs_NumberOfBranches_lbl2">Number of branches</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfBranches" xlink:to="czfs_NumberOfBranches_lbl2" xlink:title="label: NumberOfBranches to czfs_NumberOfBranches_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_RightToReceiveCashPerShare" xlink:label="RightToReceiveCashPerShare" xlink:title="RightToReceiveCashPerShare" />
    <link:label xlink:type="resource" xlink:label="czfs_RightToReceiveCashPerShare_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_RightToReceiveCashPerShare_lbl" xml:lang="en-US" id="czfs_RightToReceiveCashPerShare_lbl">Right to receive cash for each share of outstanding common stock under the terms of the merger agreement.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RightToReceiveCashPerShare" xlink:to="czfs_RightToReceiveCashPerShare_lbl" xlink:title="label: RightToReceiveCashPerShare to czfs_RightToReceiveCashPerShare_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_RightToReceiveCashPerShare_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_RightToReceiveCashPerShare_lbl1" xml:lang="en-US" id="czfs_RightToReceiveCashPerShare_lbl1">Right To Receive Cash Per Share</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RightToReceiveCashPerShare" xlink:to="czfs_RightToReceiveCashPerShare_lbl1" xlink:title="label: RightToReceiveCashPerShare to czfs_RightToReceiveCashPerShare_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_RightToReceiveCashPerShare_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_RightToReceiveCashPerShare_lbl2" xml:lang="en-US" id="czfs_RightToReceiveCashPerShare_lbl2">Right to receive cash for each share of common stock (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RightToReceiveCashPerShare" xlink:to="czfs_RightToReceiveCashPerShare_lbl2" xlink:title="label: RightToReceiveCashPerShare to czfs_RightToReceiveCashPerShare_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DoverMember" xlink:label="DoverMember" xlink:title="DoverMember" />
    <link:label xlink:type="resource" xlink:label="czfs_DoverMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DoverMember_lbl" xml:lang="en-US" id="czfs_DoverMember_lbl">A city in Delaware.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DoverMember" xlink:to="czfs_DoverMember_lbl" xlink:title="label: DoverMember to czfs_DoverMember_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_DoverMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DoverMember_lbl1" xml:lang="en-US" id="czfs_DoverMember_lbl1">Dover [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DoverMember" xlink:to="czfs_DoverMember_lbl1" xlink:title="label: DoverMember to czfs_DoverMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_DoverMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_DoverMember_lbl2" xml:lang="en-US" id="czfs_DoverMember_lbl2">Dover [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DoverMember" xlink:to="czfs_DoverMember_lbl2" xlink:title="label: DoverMember to czfs_DoverMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_AdvertisingCostsAbstract" xlink:label="AdvertisingCostsAbstract" xlink:title="AdvertisingCostsAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_AdvertisingCostsAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_AdvertisingCostsAbstract_lbl1" xml:lang="en-US" id="czfs_AdvertisingCostsAbstract_lbl1">Advertising Costs [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AdvertisingCostsAbstract" xlink:to="czfs_AdvertisingCostsAbstract_lbl1" xlink:title="label: AdvertisingCostsAbstract to czfs_AdvertisingCostsAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_AdvertisingCostsAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_AdvertisingCostsAbstract_lbl2" xml:lang="en-US" id="czfs_AdvertisingCostsAbstract_lbl2">Advertising Costs [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AdvertisingCostsAbstract" xlink:to="czfs_AdvertisingCostsAbstract_lbl2" xlink:title="label: AdvertisingCostsAbstract to czfs_AdvertisingCostsAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessAcquisitionProFormaEarningsPerShareAbstract" xlink:label="BusinessAcquisitionProFormaEarningsPerShareAbstract" xlink:title="BusinessAcquisitionProFormaEarningsPerShareAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionProFormaEarningsPerShareAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessAcquisitionProFormaEarningsPerShareAbstract_lbl1" xml:lang="en-US" id="czfs_BusinessAcquisitionProFormaEarningsPerShareAbstract_lbl1">Business Acquisition Pro Forma Earnings Per Share [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionProFormaEarningsPerShareAbstract" xlink:to="czfs_BusinessAcquisitionProFormaEarningsPerShareAbstract_lbl1" xlink:title="label: BusinessAcquisitionProFormaEarningsPerShareAbstract to czfs_BusinessAcquisitionProFormaEarningsPerShareAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionProFormaEarningsPerShareAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_BusinessAcquisitionProFormaEarningsPerShareAbstract_lbl2" xml:lang="en-US" id="czfs_BusinessAcquisitionProFormaEarningsPerShareAbstract_lbl2">Pro forma earnings per share [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionProFormaEarningsPerShareAbstract" xlink:to="czfs_BusinessAcquisitionProFormaEarningsPerShareAbstract_lbl2" xlink:title="label: BusinessAcquisitionProFormaEarningsPerShareAbstract to czfs_BusinessAcquisitionProFormaEarningsPerShareAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessAcquisitionsProFormaNonInterestIncome" xlink:label="BusinessAcquisitionsProFormaNonInterestIncome" xlink:title="BusinessAcquisitionsProFormaNonInterestIncome" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl" xml:lang="en-US" id="czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl">Represents the pro forma non-interest income for a period as if the business combination or combinations had been completed at the beginning of the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaNonInterestIncome" xlink:to="czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl" xlink:title="label: BusinessAcquisitionsProFormaNonInterestIncome to czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl1" xml:lang="en-US" id="czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl1">Business Acquisitions, Pro Forma, Non Interest Income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaNonInterestIncome" xlink:to="czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl1" xlink:title="label: BusinessAcquisitionsProFormaNonInterestIncome to czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl2" xml:lang="en-US" id="czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl2">Non-interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaNonInterestIncome" xlink:to="czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl2" xlink:title="label: BusinessAcquisitionsProFormaNonInterestIncome to czfs_BusinessAcquisitionsProFormaNonInterestIncome_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet" xlink:label="BusinessAcquisitionsProFormaInterestIncomeExpenseNet" xlink:title="BusinessAcquisitionsProFormaInterestIncomeExpenseNet" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl" xml:lang="en-US" id="czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl">The pro forma operating interest income (expense) for the period as if the business combination or combinations had been completed at the beginning of a period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaInterestIncomeExpenseNet" xlink:to="czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl" xlink:title="label: BusinessAcquisitionsProFormaInterestIncomeExpenseNet to czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl1" xml:lang="en-US" id="czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl1">Business Acquisitions, Pro Forma Interest Income (Expense) Net</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaInterestIncomeExpenseNet" xlink:to="czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl1" xlink:title="label: BusinessAcquisitionsProFormaInterestIncomeExpenseNet to czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl2" xml:lang="en-US" id="czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl2">Net interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaInterestIncomeExpenseNet" xlink:to="czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl2" xlink:title="label: BusinessAcquisitionsProFormaInterestIncomeExpenseNet to czfs_BusinessAcquisitionsProFormaInterestIncomeExpenseNet_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract" xlink:label="BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract" xlink:title="BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract_lbl1" xml:lang="en-US" id="czfs_BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract_lbl1">Business Acquisition Pro Forma Actual from Acquisition Date [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract" xlink:to="czfs_BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract_lbl1" xlink:title="label: BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract to czfs_BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract_lbl2" xml:lang="en-US" id="czfs_BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract_lbl2">Actual from Acquisition Date [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract" xlink:to="czfs_BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract_lbl2" xlink:title="label: BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract to czfs_BusinessAcquisitionProFormaActualFromAcquisitionDateAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual" xlink:label="BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual" xlink:title="BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl" xml:lang="en-US" id="czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl">This element represents the amount of noninterest income of the acquiree since the acquisition date included in the consolidated income statement for the reporting period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual" xlink:to="czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl" xlink:title="label: BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual to czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl1" xml:lang="en-US" id="czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl1">Business Combination, Pro Forma Information, Non-interest Income of Acquiree since Acquisition Date, Actual</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual" xlink:to="czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl1" xlink:title="label: BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual to czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl2" xml:lang="en-US" id="czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl2">Non-interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual" xlink:to="czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl2" xlink:title="label: BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual to czfs_BusinessCombinationProFormaInformationNonInterestIncomeOfAcquireeSinceAcquisitionDateActual_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual" xlink:label="BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual" xlink:title="BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl" xml:lang="en-US" id="czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl">This element represents the amount of operating interest income (expense) of the acquiree since the acquisition date included in the consolidated income statement for the reporting period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual" xlink:to="czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl" xlink:title="label: BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual to czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl1" xml:lang="en-US" id="czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl1">Business Combination, Pro Forma Information, Interest Income (Expense), Net of Acquiree since Acquisition Date, Actual</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual" xlink:to="czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl1" xlink:title="label: BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual to czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl2" xml:lang="en-US" id="czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl2">Net interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual" xlink:to="czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl2" xlink:title="label: BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual to czfs_BusinessCombinationProFormaInformationInterestIncomeExpenseNetOfAcquireeSinceAcquisitionDateActual_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_TimeDeposits250000OrMore" xlink:label="TimeDeposits250000OrMore" xlink:title="TimeDeposits250000OrMore" />
    <link:label xlink:type="resource" xlink:label="czfs_TimeDeposits250000OrMore_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_TimeDeposits250000OrMore_lbl" xml:lang="en-US" id="czfs_TimeDeposits250000OrMore_lbl">The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $250,000 or more.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits250000OrMore" xlink:to="czfs_TimeDeposits250000OrMore_lbl" xlink:title="label: TimeDeposits250000OrMore to czfs_TimeDeposits250000OrMore_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_TimeDeposits250000OrMore_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_TimeDeposits250000OrMore_lbl1" xml:lang="en-US" id="czfs_TimeDeposits250000OrMore_lbl1">Time Deposits, 250,000 or More</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits250000OrMore" xlink:to="czfs_TimeDeposits250000OrMore_lbl1" xlink:title="label: TimeDeposits250000OrMore to czfs_TimeDeposits250000OrMore_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_TimeDeposits250000OrMore_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_TimeDeposits250000OrMore_lbl2" xml:lang="en-US" id="czfs_TimeDeposits250000OrMore_lbl2">Certificates of deposit of $250,000 or more</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits250000OrMore" xlink:to="czfs_TimeDeposits250000OrMore_lbl2" xlink:title="label: TimeDeposits250000OrMore to czfs_TimeDeposits250000OrMore_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_July122021Member" xlink:label="July122021Member" xlink:title="July122021Member" />
    <link:label xlink:type="resource" xlink:label="czfs_July122021Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_July122021Member_lbl" xml:lang="en-US" id="czfs_July122021Member_lbl">The maturity date of the loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="July122021Member" xlink:to="czfs_July122021Member_lbl" xlink:title="label: July122021Member to czfs_July122021Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_July122021Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_July122021Member_lbl1" xml:lang="en-US" id="czfs_July122021Member_lbl1">July 12, 2021 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="July122021Member" xlink:to="czfs_July122021Member_lbl1" xlink:title="label: July122021Member to czfs_July122021Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_February32021Member" xlink:label="February32021Member" xlink:title="February32021Member" />
    <link:label xlink:type="resource" xlink:label="czfs_February32021Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_February32021Member_lbl" xml:lang="en-US" id="czfs_February32021Member_lbl">The maturity date of the loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="February32021Member" xlink:to="czfs_February32021Member_lbl" xlink:title="label: February32021Member to czfs_February32021Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_February32021Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_February32021Member_lbl1" xml:lang="en-US" id="czfs_February32021Member_lbl1">February32021 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="February32021Member" xlink:to="czfs_February32021Member_lbl1" xlink:title="label: February32021Member to czfs_February32021Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_February32021Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_February32021Member_lbl2" xml:lang="en-US" id="czfs_February32021Member_lbl2">February 3, 2021 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="February32021Member" xlink:to="czfs_February32021Member_lbl2" xlink:title="label: February32021Member to czfs_February32021Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_August202021Member" xlink:label="August202021Member" xlink:title="August202021Member" />
    <link:label xlink:type="resource" xlink:label="czfs_August202021Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_August202021Member_lbl" xml:lang="en-US" id="czfs_August202021Member_lbl">The maturity date of the loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="August202021Member" xlink:to="czfs_August202021Member_lbl" xlink:title="label: August202021Member to czfs_August202021Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_August202021Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_August202021Member_lbl1" xml:lang="en-US" id="czfs_August202021Member_lbl1">August 202021 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="August202021Member" xlink:to="czfs_August202021Member_lbl1" xlink:title="label: August202021Member to czfs_August202021Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_August202021Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_August202021Member_lbl2" xml:lang="en-US" id="czfs_August202021Member_lbl2">August 20, 2021 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="August202021Member" xlink:to="czfs_August202021Member_lbl2" xlink:title="label: August202021Member to czfs_August202021Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_July92021Member" xlink:label="July92021Member" xlink:title="July92021Member" />
    <link:label xlink:type="resource" xlink:label="czfs_July92021Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_July92021Member_lbl" xml:lang="en-US" id="czfs_July92021Member_lbl">The maturity date of the loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="July92021Member" xlink:to="czfs_July92021Member_lbl" xlink:title="label: July92021Member to czfs_July92021Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_July92021Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_July92021Member_lbl1" xml:lang="en-US" id="czfs_July92021Member_lbl1">July 9, 2021 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="July92021Member" xlink:to="czfs_July92021Member_lbl1" xlink:title="label: July92021Member to czfs_July92021Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_March282024Member" xlink:label="March282024Member" xlink:title="March282024Member" />
    <link:label xlink:type="resource" xlink:label="czfs_March282024Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_March282024Member_lbl" xml:lang="en-US" id="czfs_March282024Member_lbl">The maturity date of the loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="March282024Member" xlink:to="czfs_March282024Member_lbl" xlink:title="label: March282024Member to czfs_March282024Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_March282024Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_March282024Member_lbl1" xml:lang="en-US" id="czfs_March282024Member_lbl1">March 28, 2024 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="March282024Member" xlink:to="czfs_March282024Member_lbl1" xlink:title="label: March282024Member to czfs_March282024Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_August202024Member" xlink:label="August202024Member" xlink:title="August202024Member" />
    <link:label xlink:type="resource" xlink:label="czfs_August202024Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_August202024Member_lbl" xml:lang="en-US" id="czfs_August202024Member_lbl">The maturity date of the loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="August202024Member" xlink:to="czfs_August202024Member_lbl" xlink:title="label: August202024Member to czfs_August202024Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_August202024Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_August202024Member_lbl1" xml:lang="en-US" id="czfs_August202024Member_lbl1">August 20, 2024 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="August202024Member" xlink:to="czfs_August202024Member_lbl1" xlink:title="label: August202024Member to czfs_August202024Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_January032022Member" xlink:label="January032022Member" xlink:title="January032022Member" />
    <link:label xlink:type="resource" xlink:label="czfs_January032022Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_January032022Member_lbl" xml:lang="en-US" id="czfs_January032022Member_lbl">The maturity date of the loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="January032022Member" xlink:to="czfs_January032022Member_lbl" xlink:title="label: January032022Member to czfs_January032022Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_January032022Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_January032022Member_lbl1" xml:lang="en-US" id="czfs_January032022Member_lbl1">January, 03 2022 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="January032022Member" xlink:to="czfs_January032022Member_lbl1" xlink:title="label: January032022Member to czfs_January032022Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_January032022Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_January032022Member_lbl2" xml:lang="en-US" id="czfs_January032022Member_lbl2">January 3, 2022 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="January032022Member" xlink:to="czfs_January032022Member_lbl2" xlink:title="label: January032022Member to czfs_January032022Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_BorrowedFundsAndRepurchaseAgreementAbstract" xlink:label="BorrowedFundsAndRepurchaseAgreementAbstract" xlink:title="BorrowedFundsAndRepurchaseAgreementAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_BorrowedFundsAndRepurchaseAgreementAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_BorrowedFundsAndRepurchaseAgreementAbstract_lbl1" xml:lang="en-US" id="czfs_BorrowedFundsAndRepurchaseAgreementAbstract_lbl1">Borrowed Funds And Repurchase Agreement [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BorrowedFundsAndRepurchaseAgreementAbstract" xlink:to="czfs_BorrowedFundsAndRepurchaseAgreementAbstract_lbl1" xlink:title="label: BorrowedFundsAndRepurchaseAgreementAbstract to czfs_BorrowedFundsAndRepurchaseAgreementAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.xsd#czfs_March32025Member" xlink:label="March32025Member" xlink:title="March32025Member" />
    <link:label xlink:type="resource" xlink:label="czfs_March32025Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_March32025Member_lbl" xml:lang="en-US" id="czfs_March32025Member_lbl">The maturity date of the loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="March32025Member" xlink:to="czfs_March32025Member_lbl" xlink:title="label: March32025Member to czfs_March32025Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_March32025Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_March32025Member_lbl1" xml:lang="en-US" id="czfs_March32025Member_lbl1">March 3, 2025 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="March32025Member" xlink:to="czfs_March32025Member_lbl1" xlink:title="label: March32025Member to czfs_March32025Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_January062022Member" xlink:label="January062022Member" xlink:title="January062022Member" />
    <link:label xlink:type="resource" xlink:label="czfs_January062022Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_January062022Member_lbl" xml:lang="en-US" id="czfs_January062022Member_lbl">The maturity date of the loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="January062022Member" xlink:to="czfs_January062022Member_lbl" xlink:title="label: January062022Member to czfs_January062022Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_January062022Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_January062022Member_lbl1" xml:lang="en-US" id="czfs_January062022Member_lbl1">January, 06 2022 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="January062022Member" xlink:to="czfs_January062022Member_lbl1" xlink:title="label: January062022Member to czfs_January062022Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_January062022Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_January062022Member_lbl2" xml:lang="en-US" id="czfs_January062022Member_lbl2">January 6, 2022 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="January062022Member" xlink:to="czfs_January062022Member_lbl2" xlink:title="label: January062022Member to czfs_January062022Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_RemainingContractualMaturityOfAgreementsAbstract" xlink:label="RemainingContractualMaturityOfAgreementsAbstract" xlink:title="RemainingContractualMaturityOfAgreementsAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_RemainingContractualMaturityOfAgreementsAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_RemainingContractualMaturityOfAgreementsAbstract_lbl1" xml:lang="en-US" id="czfs_RemainingContractualMaturityOfAgreementsAbstract_lbl1">Remaining Contractual Maturity of Agreements [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RemainingContractualMaturityOfAgreementsAbstract" xlink:to="czfs_RemainingContractualMaturityOfAgreementsAbstract_lbl1" xlink:title="label: RemainingContractualMaturityOfAgreementsAbstract to czfs_RemainingContractualMaturityOfAgreementsAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_January42021Member" xlink:label="January42021Member" xlink:title="January42021Member" />
    <link:label xlink:type="resource" xlink:label="czfs_January42021Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_January42021Member_lbl" xml:lang="en-US" id="czfs_January42021Member_lbl">The maturity date of the loan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="January42021Member" xlink:to="czfs_January42021Member_lbl" xlink:title="label: January42021Member to czfs_January42021Member_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_January42021Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_January42021Member_lbl1" xml:lang="en-US" id="czfs_January42021Member_lbl1">January 4, 2021 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="January42021Member" xlink:to="czfs_January42021Member_lbl1" xlink:title="label: January42021Member to czfs_January42021Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.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-20211231.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/verboseLabel" xlink:title="czfs_IndefiniteLivedIntangibleAssetsNetAbstract_lbl2" xml:lang="en-US" id="czfs_IndefiniteLivedIntangibleAssetsNetAbstract_lbl2">Non-amortized 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-20211231.xsd#czfs_DividendRestrictionsAbstract" xlink:label="DividendRestrictionsAbstract" xlink:title="DividendRestrictionsAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_DividendRestrictionsAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DividendRestrictionsAbstract_lbl1" xml:lang="en-US" id="czfs_DividendRestrictionsAbstract_lbl1">Dividend Restrictions [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendRestrictionsAbstract" xlink:to="czfs_DividendRestrictionsAbstract_lbl1" xlink:title="label: DividendRestrictionsAbstract to czfs_DividendRestrictionsAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_DividendRestrictionsAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_DividendRestrictionsAbstract_lbl2" xml:lang="en-US" id="czfs_DividendRestrictionsAbstract_lbl2">Dividend Restrictions [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendRestrictionsAbstract" xlink:to="czfs_DividendRestrictionsAbstract_lbl2" xlink:title="label: DividendRestrictionsAbstract to czfs_DividendRestrictionsAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration" xlink:label="NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration" xlink:title="NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl" xml:lang="en-US" id="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl">The number of preceding years retained net income used for determining the restrictions on dividend declarations.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration" xlink:to="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl" xlink:title="label: NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration to czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl1" xml:lang="en-US" id="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl1">Number of Preceding Years Retained Net Income Used for Restrictions on Dividend Declaration</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration" xlink:to="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl1" xlink:title="label: NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration to czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl2" xml:lang="en-US" id="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl2">Number of preceding years retained net income used for restrictions on dividend declaration</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration" xlink:to="czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl2" xlink:title="label: NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration to czfs_NumberOfPrecedingYearsRetainedNetIncomeUsedForRestrictionsOnDividendDeclaration_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract" xlink:label="ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract" xlink:title="ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract_lbl1" xml:lang="en-US" id="czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract_lbl1">To Be Well Capitalized Under Prompt Corrective Action Provisions Amount [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract" xlink:to="czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract_lbl1" xlink:title="label: ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract to czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_ForCapitalAdequacyPurposesRatioAbstract" xlink:label="ForCapitalAdequacyPurposesRatioAbstract" xlink:title="ForCapitalAdequacyPurposesRatioAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_ForCapitalAdequacyPurposesRatioAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ForCapitalAdequacyPurposesRatioAbstract_lbl1" xml:lang="en-US" id="czfs_ForCapitalAdequacyPurposesRatioAbstract_lbl1">For Capital Adequacy Purposes Ratio [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ForCapitalAdequacyPurposesRatioAbstract" xlink:to="czfs_ForCapitalAdequacyPurposesRatioAbstract_lbl1" xlink:title="label: ForCapitalAdequacyPurposesRatioAbstract to czfs_ForCapitalAdequacyPurposesRatioAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_ActualAmountAbstract" xlink:label="ActualAmountAbstract" xlink:title="ActualAmountAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_ActualAmountAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ActualAmountAbstract_lbl1" xml:lang="en-US" id="czfs_ActualAmountAbstract_lbl1">Actual Amount [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ActualAmountAbstract" xlink:to="czfs_ActualAmountAbstract_lbl1" xlink:title="label: ActualAmountAbstract to czfs_ActualAmountAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ActualAmountAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ActualAmountAbstract_lbl2" xml:lang="en-US" id="czfs_ActualAmountAbstract_lbl2">Actual Amount [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ActualAmountAbstract" xlink:to="czfs_ActualAmountAbstract_lbl2" xlink:title="label: ActualAmountAbstract to czfs_ActualAmountAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_LoansAbstract" xlink:label="LoansAbstract" xlink:title="LoansAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_LoansAbstract_lbl1" xml:lang="en-US" id="czfs_LoansAbstract_lbl1">Loans: [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAbstract" xlink:to="czfs_LoansAbstract_lbl1" xlink:title="label: LoansAbstract to czfs_LoansAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_LoansAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_LoansAbstract_lbl2" xml:lang="en-US" id="czfs_LoansAbstract_lbl2">Loans [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAbstract" xlink:to="czfs_LoansAbstract_lbl2" xlink:title="label: LoansAbstract to czfs_LoansAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_RegulatoryLendingLimit" xlink:label="RegulatoryLendingLimit" xlink:title="RegulatoryLendingLimit" />
    <link:label xlink:type="resource" xlink:label="czfs_RegulatoryLendingLimit_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_RegulatoryLendingLimit_lbl" xml:lang="en-US" id="czfs_RegulatoryLendingLimit_lbl">Lending limit due to regulatory regulations.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RegulatoryLendingLimit" xlink:to="czfs_RegulatoryLendingLimit_lbl" xlink:title="label: RegulatoryLendingLimit to czfs_RegulatoryLendingLimit_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_RegulatoryLendingLimit_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_RegulatoryLendingLimit_lbl1" xml:lang="en-US" id="czfs_RegulatoryLendingLimit_lbl1">Regulatory Lending Limit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RegulatoryLendingLimit" xlink:to="czfs_RegulatoryLendingLimit_lbl1" xlink:title="label: RegulatoryLendingLimit to czfs_RegulatoryLendingLimit_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_RegulatoryLendingLimit_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_RegulatoryLendingLimit_lbl2" xml:lang="en-US" id="czfs_RegulatoryLendingLimit_lbl2">Regulatory lending limit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RegulatoryLendingLimit" xlink:to="czfs_RegulatoryLendingLimit_lbl2" xlink:title="label: RegulatoryLendingLimit to czfs_RegulatoryLendingLimit_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_NumberOfCapitalCategories" xlink:label="NumberOfCapitalCategories" xlink:title="NumberOfCapitalCategories" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfCapitalCategories_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_NumberOfCapitalCategories_lbl" xml:lang="en-US" id="czfs_NumberOfCapitalCategories_lbl">The number of capital categories during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfCapitalCategories" xlink:to="czfs_NumberOfCapitalCategories_lbl" xlink:title="label: NumberOfCapitalCategories to czfs_NumberOfCapitalCategories_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfCapitalCategories_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_NumberOfCapitalCategories_lbl1" xml:lang="en-US" id="czfs_NumberOfCapitalCategories_lbl1">Number of Capital Categories</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfCapitalCategories" xlink:to="czfs_NumberOfCapitalCategories_lbl1" xlink:title="label: NumberOfCapitalCategories to czfs_NumberOfCapitalCategories_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_NumberOfCapitalCategories_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_NumberOfCapitalCategories_lbl2" xml:lang="en-US" id="czfs_NumberOfCapitalCategories_lbl2">Number of capital categories</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfCapitalCategories" xlink:to="czfs_NumberOfCapitalCategories_lbl2" xlink:title="label: NumberOfCapitalCategories to czfs_NumberOfCapitalCategories_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract" xlink:label="ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract" xlink:title="ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract_lbl1" xml:lang="en-US" id="czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract_lbl1">To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract" xlink:to="czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract_lbl1" xlink:title="label: ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract to czfs_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_ForCapitalAdequacyPurposesAbstract" xlink:label="ForCapitalAdequacyPurposesAbstract" xlink:title="ForCapitalAdequacyPurposesAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_ForCapitalAdequacyPurposesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_ForCapitalAdequacyPurposesAbstract_lbl1" xml:lang="en-US" id="czfs_ForCapitalAdequacyPurposesAbstract_lbl1">For Capital Adequacy Purposes [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ForCapitalAdequacyPurposesAbstract" xlink:to="czfs_ForCapitalAdequacyPurposesAbstract_lbl1" xlink:title="label: ForCapitalAdequacyPurposesAbstract to czfs_ForCapitalAdequacyPurposesAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_ForCapitalAdequacyPurposesAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_ForCapitalAdequacyPurposesAbstract_lbl2" xml:lang="en-US" id="czfs_ForCapitalAdequacyPurposesAbstract_lbl2">For Capital Adequacy Purposes Amount [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ForCapitalAdequacyPurposesAbstract" xlink:to="czfs_ForCapitalAdequacyPurposesAbstract_lbl2" xlink:title="label: ForCapitalAdequacyPurposesAbstract to czfs_ForCapitalAdequacyPurposesAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_InvestmentsInSubsidiaries" xlink:label="InvestmentsInSubsidiaries" xlink:title="InvestmentsInSubsidiaries" />
    <link:label xlink:type="resource" xlink:label="czfs_InvestmentsInSubsidiaries_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_InvestmentsInSubsidiaries_lbl" xml:lang="en-US" id="czfs_InvestmentsInSubsidiaries_lbl">A company's investment in its wholly-owned subsidiaries 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="InvestmentsInSubsidiaries" xlink:to="czfs_InvestmentsInSubsidiaries_lbl" xlink:title="label: InvestmentsInSubsidiaries to czfs_InvestmentsInSubsidiaries_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_InvestmentsInSubsidiaries_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_InvestmentsInSubsidiaries_lbl1" xml:lang="en-US" id="czfs_InvestmentsInSubsidiaries_lbl1">Investments In Subsidiaries</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentsInSubsidiaries" xlink:to="czfs_InvestmentsInSubsidiaries_lbl1" xlink:title="label: InvestmentsInSubsidiaries to czfs_InvestmentsInSubsidiaries_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_InvestmentsInSubsidiaries_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_InvestmentsInSubsidiaries_lbl2" xml:lang="en-US" id="czfs_InvestmentsInSubsidiaries_lbl2">Investment in subsidiary</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentsInSubsidiaries" xlink:to="czfs_InvestmentsInSubsidiaries_lbl2" xlink:title="label: InvestmentsInSubsidiaries to czfs_InvestmentsInSubsidiaries_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_SummaryOfDepositsTableTextBlock" xlink:label="SummaryOfDepositsTableTextBlock" xlink:title="SummaryOfDepositsTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_SummaryOfDepositsTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_SummaryOfDepositsTableTextBlock_lbl" xml:lang="en-US" id="czfs_SummaryOfDepositsTableTextBlock_lbl">Tabular disclosure of deposit liabilities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SummaryOfDepositsTableTextBlock" xlink:to="czfs_SummaryOfDepositsTableTextBlock_lbl" xlink:title="label: SummaryOfDepositsTableTextBlock to czfs_SummaryOfDepositsTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_SummaryOfDepositsTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_SummaryOfDepositsTableTextBlock_lbl1" xml:lang="en-US" id="czfs_SummaryOfDepositsTableTextBlock_lbl1">Summary of Deposits [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SummaryOfDepositsTableTextBlock" xlink:to="czfs_SummaryOfDepositsTableTextBlock_lbl1" xlink:title="label: SummaryOfDepositsTableTextBlock to czfs_SummaryOfDepositsTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_SummaryOfDepositsTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_SummaryOfDepositsTableTextBlock_lbl2" xml:lang="en-US" id="czfs_SummaryOfDepositsTableTextBlock_lbl2">Deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SummaryOfDepositsTableTextBlock" xlink:to="czfs_SummaryOfDepositsTableTextBlock_lbl2" xlink:title="label: SummaryOfDepositsTableTextBlock to czfs_SummaryOfDepositsTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_MaturitiesOfTimeDepositsTableTextBlock" xlink:label="MaturitiesOfTimeDepositsTableTextBlock" xlink:title="MaturitiesOfTimeDepositsTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl" xml:lang="en-US" id="czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl">Tabular disclosure of the maturities of time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturitiesOfTimeDepositsTableTextBlock" xlink:to="czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl" xlink:title="label: MaturitiesOfTimeDepositsTableTextBlock to czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl1" xml:lang="en-US" id="czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl1">Maturities of Time Deposits [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturitiesOfTimeDepositsTableTextBlock" xlink:to="czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl1" xlink:title="label: MaturitiesOfTimeDepositsTableTextBlock to czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl2" xml:lang="en-US" id="czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl2">Maturities of Certificates of Deposit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturitiesOfTimeDepositsTableTextBlock" xlink:to="czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl2" xlink:title="label: MaturitiesOfTimeDepositsTableTextBlock to czfs_MaturitiesOfTimeDepositsTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_GoodwillImpairmentAbstract" xlink:label="GoodwillImpairmentAbstract" xlink:title="GoodwillImpairmentAbstract" />
    <link:label xlink:type="resource" xlink:label="czfs_GoodwillImpairmentAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_GoodwillImpairmentAbstract_lbl1" xml:lang="en-US" id="czfs_GoodwillImpairmentAbstract_lbl1">Goodwill Impairment [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GoodwillImpairmentAbstract" xlink:to="czfs_GoodwillImpairmentAbstract_lbl1" xlink:title="label: GoodwillImpairmentAbstract to czfs_GoodwillImpairmentAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_GoodwillImpairmentAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="czfs_GoodwillImpairmentAbstract_lbl2" xml:lang="en-US" id="czfs_GoodwillImpairmentAbstract_lbl2">Goodwill [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GoodwillImpairmentAbstract" xlink:to="czfs_GoodwillImpairmentAbstract_lbl2" xlink:title="label: GoodwillImpairmentAbstract to czfs_GoodwillImpairmentAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_DividendIncomeFromBankSubsidiary" xlink:label="DividendIncomeFromBankSubsidiary" xlink:title="DividendIncomeFromBankSubsidiary" />
    <link:label xlink:type="resource" xlink:label="czfs_DividendIncomeFromBankSubsidiary_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_DividendIncomeFromBankSubsidiary_lbl" xml:lang="en-US" id="czfs_DividendIncomeFromBankSubsidiary_lbl">Includes all dividend income from bank subsidiaries. It may include dividend income from equity securities that do not have readily determinable fair values that are reportable in Other Assets.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendIncomeFromBankSubsidiary" xlink:to="czfs_DividendIncomeFromBankSubsidiary_lbl" xlink:title="label: DividendIncomeFromBankSubsidiary to czfs_DividendIncomeFromBankSubsidiary_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_DividendIncomeFromBankSubsidiary_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_DividendIncomeFromBankSubsidiary_lbl1" xml:lang="en-US" id="czfs_DividendIncomeFromBankSubsidiary_lbl1">Dividend Income From Bank Subsidiary</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendIncomeFromBankSubsidiary" xlink:to="czfs_DividendIncomeFromBankSubsidiary_lbl1" xlink:title="label: DividendIncomeFromBankSubsidiary to czfs_DividendIncomeFromBankSubsidiary_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_DividendIncomeFromBankSubsidiary_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="czfs_DividendIncomeFromBankSubsidiary_lbl2" xml:lang="en-US" id="czfs_DividendIncomeFromBankSubsidiary_lbl2">Bank subsidiary</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendIncomeFromBankSubsidiary" xlink:to="czfs_DividendIncomeFromBankSubsidiary_lbl2" xlink:title="label: DividendIncomeFromBankSubsidiary to czfs_DividendIncomeFromBankSubsidiary_lbl2" />
    <link:loc xlink:type="locator" xlink:href="czfs-20211231.xsd#czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries" xlink:label="IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries" xlink:title="IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl" xml:lang="en-US" id="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl">This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses and taxes from ongoing operations before extraordinary items, before equity in undistributed earnings of subsidiaries.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries" xlink:to="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl" xlink:title="label: IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries to czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl1" xml:lang="en-US" id="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl1">Income (Loss) Before Equity in Undistributed Earnings of Subsidiaries</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries" xlink:to="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl1" xlink:title="label: IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries to czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl1" />
    <link:label xlink:type="resource" xlink:label="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl2" xml:lang="en-US" id="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl2">Income before equity in undistributed earnings of subsidiary</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries" xlink:to="czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl2" xlink:title="label: IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries to czfs_IncomeLossBeforeEquityInUndistributedEarningsOfSubsidiaries_lbl2" />
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