Washington, D.C. 20549FORM 13F FORM 13F COVER PAGE 03-31-2025 Report for the Calendar Year or Quarter Ended: Amendment Number: Check here if Amendment This Amendment (Check only one.): Institutional Investment Manager Filing this Report: CITIZENS & NORTHERN CORP90-92 Main St Name:Address: Form 13F File Number:CRD Number (if applicable):SEC File Number (if applicable): The institutional investment manager filing this report and the person by whom it is signed hereby represent thatthe person signing the report is authorized to submit it, that all information contained herein is true, correct andcomplete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered Person Signing this Report on Behalf of Reporting Manager: Mark A. Hughes Name:Title:Phone: Signature, Place, and Date of Signing: /s/ Mark A. Hughes Report Type (Check only one.): X13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reportingmanager(s).)13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in thisreport and a portion are reported by other reporting manager(s).)Form 13F Summary Page Report Summary: List of Other Included Managers: Provide a numbered list of the name(s) and Form 13F filenumber(s) of all institutional investment managers with