January 11, 2012

WELLSBORO, PA - Tracy E. Watkins, Citizens & Northern Bank vice president and director of human resources, has earned certification as a Certified Employee Benefit Specialist (CEBS). She is also certified as a Retirement Plans Associate (RPA) and Group Benefits Associate (GBA).

An eight-year C&N employee, she holds her BS degree in English and secondary education from Juniata College and is a graduate of The Institute of Paralegal Training, the Graduate School of Banking at the University of Wisconsin at Madison, and the Pennsylvania Bankers Association Advanced School of Banking. She also is credentialed as a Senior Professional in Human Resources (SPHR).

Watkins and her two sons live in Covington.

Citizens & Northern Bank is a local, independent community bank providing complete financial, investment and insurance services through 26 full service offices throughout Cameron, Potter, McKean, Tioga, Bradford, Sullivan and Lycoming counties in Pennsylvania and in Canisteo and Hornell, NY in Steuben County. C&N can be found on the worldwide web at www.cnbankpa.com. The Company's stock is listed on NASDAQ Capital Market Securities under the symbol CZNC.

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