Citizens Financial Services, Inc. is a bank holding company for First Citizens Community Bank (the Bank). The Company is primarily engaged in the ownership and management of the Bank and the Bank�s wholly owned insurance agency subsidiary, First Citizens Insurance Agency, Inc. The Bank�s primary market area consists of the Pennsylvania Counties of Bradford, Potter and Tioga in North Central Pennsylvania. It also includes Allegany, Steuben, Chemung and Tioga Counties in Southern New York. In addition to the main office, the Bank has 16 other full service branch offices in its market area and loan production offices located in Clinton and Luzerne Counties in Pennsylvania. These activities and services principally include checking, savings, time and deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans, and a variety of other specialized financial services.