Citizens Financial Services, Inc. is a Pennsylvania-chartered bank and trust company, operated under the name First Citizens National Bank (the Bank). The Company is 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 is a service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services include checking, savings, and time 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. The Trust and Investment division of the Bank offers a range of client investment, estate, mineral management and retirement services. The Company operates 20 banking facilities, 17 of which operate as bank branches.