Form 4 Filing for Helen S Santiago

Helen S Santiago, a director at CITIZENS & NORTHERN CORP, reported a transaction on May 15, 2026. She acquired 132 shares of Common Stock directly, with a post-transaction total of 11,079 shares. Additionally, she acquired 2 shares as custodian, with a post-transaction total of 124 shares, and another 2 shares as custodian, with a post-transaction total of 123 shares. All shares were acquired through the reinvestment of cash dividends under a dividend reinvestment plan at a price of $20.815 per share. The filing was signed on May 21, 2026, by Melinda S Kilburn as Attorney-in-Fact.