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        <City>WELLSBORO</City>
        <State>PA</State>
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      <NameControl>CHAR</NameControl>
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        <State>PA</State>
        <ZIPCode>16901</ZIPCode>
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    </Filer>
    <Officer>
      <Name>MICHAEL G CHARLES</Name>
      <Title>VICE PRESIDENT</Title>
      <Phone>5707240243</Phone>
      <DateSigned>2012-05-03</DateSigned>
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      <Name>MICHAEL G CHARLES</Name>
      <Phone>5707240243</Phone>
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        <AmountCreditedToNextYear>0</AmountCreditedToNextYear>
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        <LegislativePoliticalActivities>false</LegislativePoliticalActivities>
        <MoreThan100Spent>false</MoreThan100Spent>
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            <BusinessNameLine1>CITIZENS &amp; NORTHERN BANK</BusinessNameLine1>
          </BusinessName>
          <USAddress>
            <AddressLine1>90 MAIN ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </USAddress>
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          <Compensation>11587</Compensation>
          <ContriToEmplBenefitPlansEtc>0</ContriToEmplBenefitPlansEtc>
          <ExpenseAccountOtherAllowances>0</ExpenseAccountOtherAllowances>
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        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>THOMAS RUDY</PersonName>
          <USAddress>
            <AddressLine1>NICHOLS ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </USAddress>
          <Title>C&amp;N BANK REP</Title>
          <AvgHoursPerWkDevotedToPosition>5.00</AvgHoursPerWkDevotedToPosition>
          <Compensation>0</Compensation>
          <ContriToEmplBenefitPlansEtc>0</ContriToEmplBenefitPlansEtc>
          <ExpenseAccountOtherAllowances>0</ExpenseAccountOtherAllowances>
        </OfcrDirTrusteesOrKeyEmployee>
        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>JAMES DAUGHERTY</PersonName>
          <USAddress>
            <AddressLine1>28 CRAFTON ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </USAddress>
          <Title>WELLSBORO BOROUGH MA</Title>
          <AvgHoursPerWkDevotedToPosition>5.00</AvgHoursPerWkDevotedToPosition>
          <Compensation>0</Compensation>
          <ContriToEmplBenefitPlansEtc>0</ContriToEmplBenefitPlansEtc>
          <ExpenseAccountOtherAllowances>0</ExpenseAccountOtherAllowances>
        </OfcrDirTrusteesOrKeyEmployee>
        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>CHRISTOPHER MORRAL</PersonName>
          <USAddress>
            <AddressLine1>NICHOLS ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </USAddress>
          <Title>WELLSBORO AREA SCHOO</Title>
          <AvgHoursPerWkDevotedToPosition>5.00</AvgHoursPerWkDevotedToPosition>
          <Compensation>0</Compensation>
          <ContriToEmplBenefitPlansEtc>0</ContriToEmplBenefitPlansEtc>
          <ExpenseAccountOtherAllowances>0</ExpenseAccountOtherAllowances>
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        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>REV GREGORY HINTON</PersonName>
          <USAddress>
            <AddressLine1>PEARL ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </USAddress>
          <Title>ST PAULS'S EPISCOPAL</Title>
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          <Compensation>0</Compensation>
          <ContriToEmplBenefitPlansEtc>0</ContriToEmplBenefitPlansEtc>
          <ExpenseAccountOtherAllowances>0</ExpenseAccountOtherAllowances>
        </OfcrDirTrusteesOrKeyEmployee>
        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>JULIE VANNESS</PersonName>
          <USAddress>
            <AddressLine1>114 MAIN ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </USAddress>
          <Title>WELLSBORO AREA CHAMB</Title>
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          <Compensation>0</Compensation>
          <ContriToEmplBenefitPlansEtc>0</ContriToEmplBenefitPlansEtc>
          <ExpenseAccountOtherAllowances>0</ExpenseAccountOtherAllowances>
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        <OfcrDirTrusteesOrKeyEmployee>
          <PersonName>R LOWELL COOLIDGE ESQ</PersonName>
          <USAddress>
            <AddressLine1>126 MAIN ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </USAddress>
          <Title>ATTORNEY</Title>
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          <Compensation>0</Compensation>
          <ContriToEmplBenefitPlansEtc>0</ContriToEmplBenefitPlansEtc>
          <ExpenseAccountOtherAllowances>0</ExpenseAccountOtherAllowances>
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        <CompOfHighestPaidEmplNONE>NONE</CompOfHighestPaidEmplNONE>
        <TotNumberOfOthEmplPaidOver50k>0</TotNumberOfOthEmplPaidOver50k>
        <CompOfHghstPaidCntrctNONE>NONE</CompOfHghstPaidCntrctNONE>
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        <Description1>THE ORGANIZATION PRIMARILY BENEFITS THE CHARITABLE ANDEDUCATIONAL ACTIVITIES OF 501(C)(3) ORGANIZATIONS IN THEWELLSBORO PA AREA. DIRECTORS ARE APPOINTED TO THE BOARD</Description1>
        <Expenses1>66160</Expenses1>
        <Description2>OF THE CHARLES KNOX &amp; MARGARET C ETNER FOUNDATION BYSPECIFIC WELLSBORO PA 501(C)(3) AND GOVERNMENTALORGANIZATIONS. THE ORGANIZATIONS THAT APPOINT DIRECTORS</Description2>
        <Description3>TO THE BOARD OF THE ETNER FOUNDATION EITHER CONDUCT OROVERSEE THE CHARITABLE ACTIVITIES FUNDED BY THE ETNERFOUNDATION.</Description3>
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        <QualifyingDistributions>66160</QualifyingDistributions>
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        </TotalSupport>
        <PublicSupport>
          <Total>0</Total>
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        <LargestSupportFromEO>
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        <GrossInvestmentIncome>
          <Total>0</Total>
        </GrossInvestmentIncome>
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      <SupplementaryInformation>
        <ContributingManager>NONE</ContributingManager>
        <ShareholderManager>NONE</ShareholderManager>
        <AppicationSubmissionInfo>
          <RecipientName>R LOWELL COOLIDGE</RecipientName>
          <RecipientUSAddress>
            <AddressLine1>126 MAIN STREET</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </RecipientUSAddress>
          <RecipientPhoneNumber>5707243801</RecipientPhoneNumber>
          <FormAndInfoAndMaterials>SUBMIT FORMAL LETTER OF APPLICATION AND ATTACH COPY OF 501(C)(3)</FormAndInfoAndMaterials>
          <SubmissionDeadlines>BY APRIL 1 OR SEPTEMBER 1 OF EACH YEAR</SubmissionDeadlines>
          <RestrictionsOnAwards>AWARDS ARE LIMITED TO QUALIFIED SECTION 501(C)(3) CHARITIES OR</RestrictionsOnAwards>
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        <AppicationSubmissionInfo>
          <RecipientName>R LOWELL COOLIDGE</RecipientName>
          <RecipientUSAddress>
            <AddressLine1>126 MAIN ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </RecipientUSAddress>
          <RecipientPhoneNumber>5707243801</RecipientPhoneNumber>
          <FormAndInfoAndMaterials>ORGANIZATION DETERMINATION LETTER</FormAndInfoAndMaterials>
          <RestrictionsOnAwards>GOVERNMENTS WITHIN THE WELLSBORO (PA) AREA SCHOOL DISTRICT</RestrictionsOnAwards>
        </AppicationSubmissionInfo>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>WELLSBORO COMMUNITY CONCERT ASSOCIATION</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>592 HORSE THIEF RUN ROAD</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>PUBLICCHARITY</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>MUSIC OUTREACHPROGRAMS</PurposeOfGrantOrContribution>
          <Amount>2633</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>TIOGA PARTNERSHIP FOR COMMUNITY HEALTH</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>33 PEARL ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>PUBLICCHARITY</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>TO FAMILY DAY ANDCOVER EXPENSES RELATINGCHILDREN'S HEALTH FAIR</PurposeOfGrantOrContribution>
          <Amount>1000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>ENDLESS MOUNTAIN MUSIC FESTIVAL</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>130 MAIN ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>PUBLICCHARITY</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>AGES" EDUCATIONALFUNDING FOR "MUSIC OF ALLOUTREACH PROGRAM</PurposeOfGrantOrContribution>
          <Amount>2000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>PARTNERS IN PROGRESS</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>332 SOUTH MAIN ST</AddressLine1>
            <City>MANSFIELD</City>
            <State>PA</State>
            <ZIPCode>16933</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>PUBLICCHARITY</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>CHILDREN TO VISITFIELDTRIPS FORHOMETOWN HEROES</PurposeOfGrantOrContribution>
          <Amount>250</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>WELLSBORO FOUNDATION</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>114 MAIN ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>PUBLICCHARITY</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>AND FURTHER BEAUTIFICATIONADMINISTRATIVE FEESAT THE TIOGA ST. GATEWAY</PurposeOfGrantOrContribution>
          <Amount>3325</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>TIOGA COUNTY SPECIAL OLYMPICS</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>MANSFIELD UNIVERSITY</AddressLine1>
            <City>MANSFIELD</City>
            <State>PA</State>
            <ZIPCode>16933</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>PUBLICCHARITY</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>BASEBALL UNIFORMSUPDATE/COMPLIANTFOR ATHLETES</PurposeOfGrantOrContribution>
          <Amount>2500</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>DEANE CENTER FOUNDATION</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>104 MAIN STREET</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>PUBLICCHARITY</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>PLANS FOR COMMUNITYFUND ARCHITECTURALPERFORMING ARTS CENTER</PurposeOfGrantOrContribution>
          <Amount>25000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>WELLSBORO DEPARTMENT OF PARKS &amp; RECREATION</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>2 CHARLES ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>MUNICIPALGOVT</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>RENOVATION OF PACKERPARK TENNIS COURTS</PurposeOfGrantOrContribution>
          <Amount>15000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>GIRL SCOUT TROOP #40084</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>53 WEST AVE</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>PUBLICCHARITY</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>AT TRINITY LUTHERANRENOVATION PROJECTSCHOOL LIBRARY</PurposeOfGrantOrContribution>
          <Amount>401</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>GRAND CANYON AIRPORT AUTHORITY</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>112 RUNWAY RD</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>MUNICIPALGOVT</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>EASEMENT UPGRADESFUEL FARM REVISION, AIR&amp; OPERATING EXPENSES</PurposeOfGrantOrContribution>
          <Amount>3651</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>TIOGA COUNTY AGRICULTURAL ASSOCIATION INC</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>3795 ROUTE 549</AddressLine1>
            <City>MANSFIELD</City>
            <State>PA</State>
            <ZIPCode>16933</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>PUBLICCHARITY</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>2011 FAIRGROUNDIMPROVEMENT PROJECT</PurposeOfGrantOrContribution>
          <Amount>7500</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>WELLSBORO AREA SCHOOL DISTRICT</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>227 NICHOLS ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>MUNICIPALGOVT</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>MANAGING PEER PRESSURESIMPLEMENTING THEBEFORE MARRIAGE SERIES</PurposeOfGrantOrContribution>
          <Amount>1000</Amount>
        </GrantOrContriPaidDuringYear>
        <GrantOrContriPaidDuringYear>
          <RecipientBusinessName>
            <BusinessNameLine1>WELLSBORO FOUNDATION</BusinessNameLine1>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1>114 MAIN ST</AddressLine1>
            <City>WELLSBORO</City>
            <State>PA</State>
            <ZIPCode>16901</ZIPCode>
          </RecipientUSAddress>
          <RecipientFoundationStatus>PUBLICCHARITY</RecipientFoundationStatus>
          <PurposeOfGrantOrContribution>AT THE TIOGA STBEAUTIFICATION PROJECTGATEWAY</PurposeOfGrantOrContribution>
          <Amount>1900</Amount>
        </GrantOrContriPaidDuringYear>
        <TotGrantOrContriPaidDuringYear>66160</TotGrantOrContriPaidDuringYear>
      </SupplementaryInformation>
      <AnalysisIncomeProducingActy>
        <IntOnSavingsAndTempCashInvst>
          <ExclusionCode>14</ExclusionCode>
          <ExclusionAmount>5</ExclusionAmount>
        </IntOnSavingsAndTempCashInvst>
        <DividendsAndIntFromSecPartVII>
          <ExclusionCode>14</ExclusionCode>
          <ExclusionAmount>40053</ExclusionAmount>
        </DividendsAndIntFromSecPartVII>
        <GainSalesAssetsOthThanInvntry>
          <ExclusionCode>18</ExclusionCode>
          <ExclusionAmount>53240</ExclusionAmount>
        </GainSalesAssetsOthThanInvntry>
        <SubtotalsPartXVIA>
          <ExclusionAmount>93298</ExclusionAmount>
        </SubtotalsPartXVIA>
        <TotalPartXVIA>93298</TotalPartXVIA>
      </AnalysisIncomeProducingActy>
      <TrnsfrTrRlnWithNoncharitableEO>
        <TrnsfrOfCashToNoncharitableEO>false</TrnsfrOfCashToNoncharitableEO>
        <TrnsfrOthAssetsNoncharitableEO>false</TrnsfrOthAssetsNoncharitableEO>
        <SalesOrExchangesOfAssets>false</SalesOrExchangesOfAssets>
        <PurchaseAssetsNoncharitableEO>false</PurchaseAssetsNoncharitableEO>
        <RentalOfFacilitiesEtc>false</RentalOfFacilitiesEtc>
        <ReimbursementArrangements>false</ReimbursementArrangements>
        <LoansOrLoanGuarantees>false</LoansOrLoanGuarantees>
        <PerformanceOfServicesEtc>false</PerformanceOfServicesEtc>
        <SharingOfFacilitiesEtc>false</SharingOfFacilitiesEtc>
        <RelationshipsNoncharitableEOs>false</RelationshipsNoncharitableEOs>
      </TrnsfrTrRlnWithNoncharitableEO>
    </IRS990PF>
    <AllOthProgRltdInvestmentsSch documentId="00000002">
      <AllOthProgRltdInvestments>
        <Description>NONE</Description>
      </AllOthProgRltdInvestments>
    </AllOthProgRltdInvestmentsSch>
  </ReturnData>
</Return>