Form 4 Filing for Kelley A Cwiklinski

Kelley A Cwiklinski, EVP Chief Comm Lending Officer at CITIZENS & NORTHERN CORP, acquired 38 shares of Common Stock on May 20, 2026, through an ESOP dividend reinvestment, at a price of $20.7964 per share. This transaction was an exempt acquisition under a D/R plan. Following this acquisition, Cwiklinski directly owns 29,737 shares and indirectly owns 455 shares through a spouse's IRA, with a total of 2,915 shares held in the ESOP. The filing also notes other holdings, including 455 shares by Spouse's IRA and 29,737 shares of direct ownership.