<PAGE>

                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                    FORM 10-Q

[X] QUARTERLY REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF
    1934

For the quarterly period ended March 31, 2003

[ ] TRANSITION REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT
    OF 1934

For the transition period from ______________ to _____________

Commission file number 0-19028

                               CCFNB BANCORP, INC.
                 (Name of small business Issuer in its charter)

PENNSYLVANIA                                     23-2254643
(State or other jurisdiction of                  (I.R.S. Employer
incorporation or organization)                   Identification Number)

232 East Street, Bloomsburg, PA                  17815
(Address of principal executive offices)         (Zip Code)

Issuer's telephone number, including area code:  (570) 784-4400

         Check whether the issuer (1) filed all reports required to be filed by
Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding
12 months (or for such shorter period that the issuer was required to file such
reports), and (2) has been subject to such filing requirings for the past 90
days. Yes [X]  No [ ]

         Indicate the number of shares outstanding of each of the issuer's
classes of common stock, as of the latest practicable date. 1,287,004 shares of
$1.25 (par) common stock were outstanding as of April 28, 2003.

<PAGE>

                       CCFNB BANCORP, INC. AND SUBSIDIARY

                                 MARCH 31, 2003

                                   INDEX 10-Q

<TABLE>
<S>                                                                      <C>
PART I  - FINANCIAL INFORMATION:

        - Consolidated Balance Sheets                                       1

        - Consolidated Statements of Income                                 2

        - Consolidated Statements of Cash Flows                             3

        - Notes to Consolidated Financial Statements                      4 - 14

        - Report of Independent Certified Public Accountants               15

        - Management's Discussion and Analysis of Consolidated
          Financial Condition and Results of Operations                  16 - 23

PART II - OTHER INFORMATION                                              24 - 28

SIGNATURES                                                                 29
</TABLE>

<PAGE>

CCFNB BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED BALANCE SHEETS
(IN THOUSANDS)

<TABLE>
<CAPTION>
                                                                    MARCH
                                                                  31, 2003    DECEMBER
                                                                  UNAUDITED   31, 2002
                                                                  ---------   --------
<S>                                                               <C>         <C>
ASSETS
Cash and due from banks.......................................    $  5,013    $  5,953
Interest-bearing deposits with other banks....................       4,055       8,010
Federal funds sold............................................       3,008       2,057
Investment securities:
  Securities Available-for-Sale...............................      57,277      53,527
Loans, net of unearned income.................................     149,066     151,338
Allowance for loan losses.....................................       1,350       1,298
                                                                  --------    --------
  Net loans...................................................    $147,716    $150,040
Premises and equipment........................................       4,378       4,415
Other real estate owned.......................................          43          68
Cash surrender value life insurance...........................       3,674       3,627
Accrued interest receivable...................................         859         894
Other assets..................................................         620         441
                                                                  --------    --------
     TOTAL ASSETS.............................................    $226,643    $229,032
                                                                  ========    ========

LIABILITIES AND STOCKHOLDERS' EQUITY

LIABILITIES
Deposits:
  Non-interest bearing........................................    $ 14,749    $ 15,238
  Interest bearing............................................     156,967     156,889
                                                                  --------    --------
     Total Deposits...........................................    $171,716    $172,127
Short-term borrowings.........................................      15,227      17,274
Long-term borrowings..........................................      11,344      11,347
Accrued interest and other expenses...........................       1,291       1,332
Other liabilities.............................................          28         112
                                                                  --------    --------
     TOTAL LIABILITIES........................................    $199,606    $202,192
                                                                  --------    --------

STOCKHOLDERS' EQUITY
Common stock, par value $1.25 per share; authorized
  5,000,000 shares; issued and outstanding 1,289,004 shares
  in 2003 and 1,292,724 shares in 2002........................    $  1,611    $  1,616
Surplus.......................................................       3,922       4,009
Retained earnings.............................................      20,980      20,679
Accumulated other comprehensive income (loss).................         524         536
                                                                  --------    --------
     TOTAL STOCKHOLDERS' EQUITY...............................    $ 27,037    $ 26,840
                                                                  --------    --------
     TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY...............    $226,643    $229,032
                                                                  ========    ========
</TABLE>

See accompanying notes to Consolidated Financial Statements.

                                                -1-

<PAGE>

CCFNB BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF INCOME
(IN THOUSANDS EXCEPT PER SHARE DATA)
UNAUDITED

<TABLE>
<CAPTION>
                                                                           FOR THE THREE
                                                                           MONTHS ENDING
                                                                              MARCH 31,
                                                                           ------------
                                                                         2003          2002
                                                                         ----          ----
<S>                                                                   <C>           <C>
INTEREST INCOME
Interest and fees on loans:
  Taxable..........................................................   $    2,333    $    2,472
  Tax-exempt.......................................................           45            32
Interest and dividends on investment securities:
  Taxable interest.................................................          340           456
  Tax-exempt interest..............................................          184           206
  Dividends........................................................           16            16
Interest on federal funds sold.....................................           12             3
Interest on deposits in other banks................................           14            17
                                                                      ----------    ----------
     TOTAL INTEREST INCOME.........................................   $    2,944    $    3,202
                                                                      ----------    ----------

INTEREST EXPENSE
Interest on deposits...............................................   $    1,017    $    1,169
Interest on short-term borrowings..................................           80            83
Interest on long-term borrowings...................................          168           168
                                                                      ----------    ----------
     TOTAL INTEREST EXPENSE........................................   $    1,265    $    1,420
                                                                      ----------    ----------

Net interest income................................................   $    1,679    $    1,782
Provision for loan losses..........................................           50            24
                                                                      ----------    ----------
     NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES...........   $    1,629    $    1,758
                                                                      ----------    ----------

NON-INTEREST INCOME
Service charges and fees...........................................   $      183    $      162
Trust department income............................................           36            48
Other income.......................................................          107            33
                                                                      ----------    ----------
     TOTAL NON-INTEREST INCOME.....................................   $      326    $      243
                                                                      ----------    ----------

NON-INTEREST EXPENSES
Salaries and wages.................................................   $      525    $      534
Pensions and other employee benefits...............................          186           184
Occupancy expense, net.............................................          103            89
Furniture and equipment expense....................................          118           154
Other operating expenses...........................................          384           349
                                                                      ----------    ----------
     TOTAL NON-INTEREST EXPENSES...................................   $    1,316    $    1,310
                                                                      ----------    ----------

Income before income taxes.........................................   $      639    $      691
Income tax expense.................................................          132           159
                                                                      ----------    ----------
     NET INCOME....................................................   $      507    $      532
                                                                      ==========    ==========

PER SHARE DATA
Net income.........................................................   $      .39    $      .40
Cash dividends.....................................................   $      .16    $      .15
Weighted average shares outstanding................................    1,289,815     1,320,694
</TABLE>

See accompanying notes to Consolidated Financial Statements.

                                       -2-

<PAGE>

CCFNB BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF CASH FLOWS
(IN THOUSANDS)
UNAUDITED

<TABLE>
<CAPTION>
                                                                          FOR THE THREE
                                                                          MONTHS ENDING
                                                                             MARCH 31,
                                                                             ---------
                                                                        2003         2002
                                                                        ----         ----
<S>                                                                  <C>           <C>
OPERATING ACTIVITIES
Net income........................................................   $    507      $    532
Adjustments to reconcile net income to net cash provided by
 operating activities:
   Provision for loan losses......................................         50            24
   Depreciation and amortization..................................         95           126
   Premium amortization on investment securities..................        105            58
   Discount accretion on investment securities....................        (12)           (6)
   Deferred income taxes (benefit)................................        (25)           (8)
   (Gain) on sales of investment securities Available-for-Sale....          0             0
   (Gain) on sale of mortgage loans...............................        (14)            0
   Proceeds from sale of mortgage loans...........................      1,221             0
   Originations of mortgage loans for resale......................     (1,207)            0
   (Gain) on sale of other real estate owned......................        (12)            0
   (Gain) loss from investment in insurance agency................          6             8
   (Increase) decrease in accrued interest receivable and
     other assets.................................................       (150)         (201)
   Net increase in cash surrender value of bank owned life
     insurance....................................................        (47)          (12)
   Increase (decrease) in accrued interest, other expenses and
     other liabilities............................................        (93)          (62)
                                                                     --------      --------
     NET CASH PROVIDED BY OPERATING ACTIVITIES....................   $    424      $    459
                                                                     --------      --------

INVESTING ACTIVITIES
Purchase of investment securities Available-for-Sale..............   $(16,164)     $ (5,000)
Proceeds from sales, maturities and redemptions of investment
  securities Available-for-Sale...................................     12,304         8,791
Net (increase) decrease in loans..................................      2,273        (2,384)
Purchases of premises and equipment...............................        (59)          (58)
Proceeds from sale of other real estate owned.....................         37             0
                                                                     --------      --------
     NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES..........   $ (1,609)     $  1,349
                                                                     --------      --------

FINANCING ACTIVITIES
Net increase (decrease) in deposits...............................   $   (411)     $  3,686
Net increase (decrease) in short-term borrowings..................     (2,047)         (182)
Net increase (decrease) in long-term borrowings...................         (3)           (3)
Acquisition of treasury stock.....................................       (144)         (245)
Proceeds from issuance of common stock............................         52            51
Cash dividends paid...............................................       (206)         (197)
                                                                     --------      --------
     NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES..........   $ (2,759)     $  3,110
                                                                     --------      --------
     INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS.............   $ (3,944)     $  4,918

CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD..................     16,020         8,518
                                                                     --------      --------
      CASH AND CASH EQUIVALENTS AT END OF PERIOD..................   $ 12,076      $ 13,436
                                                                     ========      ========
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION
Cash paid during the year for:
  Interest........................................................   $  1,332      $  1,506
  Income taxes....................................................   $      0      $     68
</TABLE>

See accompanying notes to Consolidated Financial Statements.

                                  -3-

<PAGE>

CCFNB BANCORP, INC. AND SUBSIDIARY
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
MARCH 31, 2003

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

         The accounting and reporting policies of CCFNB Bancorp, Inc. and
         Subsidiary (the "Corporation") are in accordance with the accounting
         principles generally accepted in the United States of America and
         conform to common practices within the banking industry. The more
         significant policies follow:

         PRINCIPLES OF CONSOLIDATION

         The consolidated financial statements include the accounts of CCFNB
         Bancorp, Inc. and its wholly owned subsidiary, Columbia County Farmers
         National Bank (the "Bank"). All significant inter-company balances and
         transactions have been eliminated in consolidation.

         NATURE OF OPERATIONS & LINES OF BUSINESS

         The Corporation provides full banking services, including trust
         services, through the Bank, to individuals and corporate customers. The
         Bank has six offices covering an area of approximately 484 square miles
         in Northeastern Pennsylvania. The Corporation and its banking
         subsidiary are subject to regulation of the Office of the Comptroller
         of the Currency, The Federal Deposit Insurance Corporation and the
         Federal Reserve Bank of Philadelphia.

         Procuring deposits and making loans are the major lines of business.
         The deposits are mainly deposits of individuals and small businesses
         and the loans are mainly real estate loans covering primary residences
         and small business enterprises. The trust services, under the name of
         CCFNB and Co., include administration of various estates, pension
         plans, self-directed IRA's and other services. A third-party brokerage
         arrangement is also resident in the main branch, namely Bloomsburg.
         This investment center offers a full line of stocks, bonds and other
         non-insured financial services.

         On December 19, 2000 the Corporation became a Financial Holding Company
         by having filed an election to do so with the Federal Reserve Board.
         The Financial Holding Company status was required in order to acquire
         an interest in a local insurance agency that occurred during January
         2001.

         USE OF ESTIMATES

         The preparation of these consolidated financial statements in
         conformity with accounting principles generally accepted in the United
         States of America requires management to make estimates and assumptions
         that affect the reported amounts of assets and liabilities and
         disclosure of contingent assets and liabilities at the date of these
         consolidated financial statements and the reported amounts of income
         and expenses during the reporting periods. Actual results could differ
         from those estimates.

                                       -4-

<PAGE>

         INVESTMENT SECURITIES

         The Corporation classifies its investment securities as either
         "Held-to-Maturity" or "Available-for-Sale" at the time of purchase.
         Debt securities are classified as Held-to-Maturity when the Corporation
         has the ability and positive intent to hold the securities to maturity.
         Investment securities Held-to-Maturity are carried at cost adjusted for
         amortization of premiums and accretion of discounts to maturity.

         Debt securities not classified as Held-to-Maturity and equity
         securities included in the Available-for-Sale category, are carried at
         fair value, and the amount of any unrealized gain or loss net of the
         effect of deferred income taxes is reported as other comprehensive
         income in the consolidated Statement of Stockholders' Equity.
         Management's decision to sell Available-for-Sale securities is based on
         changes in economic conditions controlling the sources and uses of
         funds, terms, availability of and yield of alternative investments,
         interest rate risk, and the need for liquidity.

         The cost of debt securities classified as Held-to-Maturity or
         Available-for-Sale is adjusted for amortization of premiums and
         accretion of discounts to maturity. Such amortization and accretion, as
         well as interest and dividends, is included in interest income from
         investments. Realized gains and losses are included in net investment
         securities gains. The cost of investment securities sold, redeemed or
         matured is based on the specific identification method.

         LOANS

         Loans are stated at their outstanding principal balances, net of
         deferred fees or costs, unearned income, and the allowance for loan
         losses. Interest on loans is accrued on the principal amount
         outstanding, primarily on an actual day basis. Non-refundable loan fees
         and certain direct costs are deferred and amortized over the life of
         the loans using the interest method. The amortization is reflected as
         an interest yield adjustment, and the deferred portion of the net fees
         and costs is reflected as a part of the loan balance.

         Real estate mortgage loans held for resale are carried at the lower of
         cost or market on an aggregate basis. These loans are sold with limited
         recourse to the Corporation.

         PAST DUE LOANS - Generally, a loan is considered past due when a
         payment is in arrears for a period of 10 or 15 days, depending on the
         type of loan. Delinquent notices are issued at this point and
         collection efforts will continue on loans past due beyond 60 days which
         have not been satisfied. Past due loans are continually evaluated with
         determination for charge-off being made when no reasonable chance
         remains that the status of the loan can be improved.

                                       -5-

<PAGE>

         NON-ACCRUAL LOANS - Generally, a loan is classified as non-accrual,
         with the accrual of interest on such a loan discontinued when the
         contractual payment of principal or interest has become 90 days past
         due or management has serious doubts about further collectibility of
         principal or interest, even though the loan currently is performing. A
         loan may remain on accrual status if it is in the process of collection
         and is either guaranteed or well secured. When a loan is placed on
         non-accrual status, unpaid interest credited to income in the current
         year is reversed, and unpaid interest accrued in prior years is charged
         against the allowance for loan losses. Certain non-accrual loans may
         continue to perform, wherein, payments are still being received with
         those payments generally applied to principal. Non-accrual loans remain
         under constant scrutiny and if performance continues, interest income
         may be recorded on a cash basis based on management's judgement as to
         collectibility of principal.

         ALLOWANCE FOR LOAN LOSSES - The allowance for loan losses is
         established through provisions for loan losses charged against income.
         Loans deemed to be uncollectible are charged against the allowance for
         loan losses, and subsequent recoveries, if any, are credited to the
         allowance.

         A factor in estimating the allowance for loan losses is the measurement
         of impaired loans. A loan is considered impaired when, based on current
         information and events, it is probable that the Corporation will be
         unable to collect all amounts due according to the contractual terms of
         the loan agreement. Under current accounting standards, the allowance
         for loan losses related to impaired loans is based on discounted cash
         flows using the loan's effective interest rate or the fair value of the
         collateral for certain collateral dependent loans.

         The allowance for loan losses is maintained at a level established by
         management to be adequate to absorb estimated potential loan losses.
         Management's periodic evaluation of the adequacy of the allowance for
         loan losses is based on the Corporation's past loan loss experience,
         known and inherent risks in the portfolio, adverse situations that may
         affect the borrower's ability to repay (including the timing of future
         payments), the estimated value of any underlying collateral,
         composition of the loan portfolio, current economic conditions, and
         other relevant factors. This evaluation is inherently subjective as it
         requires material estimates, including the amounts and timing of future
         cash flows expected to be received on impaired loans that may be
         susceptible to significant change.

         DERIVATIVES

         The Bank has outstanding loan commitments that relate to the
         origination of mortgage loans that will be held for resale. Pursuant to
         Statement of Financial Accounting Standards (SFAS) No. 133 "Accounting
         for Derivative Instruments and Hedging Activities" as amended by SFAS
         No. 138, "Accounting for Certain Derivative Instruments and Certain
         Hedging Activities" and the guidance contained in the Derivatives
         Implementation Group Statement 133 Implementation Issue No. C 13, the
         Bank has accounted for such loan commitments as derivative instruments.
         The effective date of the implementation guidance was the first day of
         the first fiscal quarter beginning after April 10, 2002. The
         outstanding loan commitments in this category did not give rise to any
         losses for the period ended March 31, 2003 and the year ended December
         31, 2002, as the fair market value of each outstanding loan commitment
         exceeded the Bank's cost basis in each loan commitment.

                                       -6-

<PAGE>

         PREMISES AND EQUIPMENT

         Premises and equipment are stated at cost less accumulated depreciation
         computed principally on the straight-line method over the estimated
         useful lives of the assets. Maintenance and minor repairs are charged
         to operations as incurred. The cost and accumulated depreciation of the
         premises and equipment retired or sold are eliminated from the property
         accounts at the time of retirement or sale, and the resulting gain or
         loss is reflected in current operations.

         MORTGAGE SERVICING RIGHTS

         The Corporation originates and sells real estate loans to investors in
         the secondary mortgage market. After the sale, the Corporation retains
         the right to service these loans. When originated mortgage loans are
         sold and servicing is retained, a servicing asset is capitalized based
         on relative fair value at the date of sale. Servicing assets are
         amortized as an offset to other fees in proportion to, and over the
         period of, estimated net servicing income. The unamortized cost is
         included in other assets in the accompanying consolidated balance
         sheet. The servicing rights are periodically evaluated for impairment
         based on their relative fair value.

         OTHER REAL ESTATE OWNED

         Real estate properties acquired through, or in lieu of, loan
         foreclosure are held for sale and are initially recorded at fair value
         on the date of foreclosure establishing a new cost basis. After
         foreclosure, valuations are periodically performed by management and
         the real estate is carried at the lower of carrying amount or fair
         value less cost to sell and is included in other assets. Revenues
         derived from and costs to maintain the assets and subsequent gains and
         losses on sales are included in other non-interest income and expense.

         BANK OWNED LIFE INSURANCE

         The Corporation invests in Bank Owned Life Insurance (BOLI). Purchase
         of BOLI provides life insurance coverage on certain employees with the
         Corporation being owner and beneficiary of the policies.

         INVESTMENT IN INSURANCE AGENCY

         On January 2, 2001, the Corporation acquired a 50% interest in a local
         insurance agency, a corporation organized under the laws of the
         Commonwealth of Pennsylvania. The income or loss from this investment
         is accounted for under the equity method of accounting. The carrying
         value of this investment as of March 31, 2003 and December 31, 2002 was
         $159,293 and $165,431, respectively, and is carried in other assets in
         the accompanying consolidated balance sheets.

                                       -7-

<PAGE>

         INCOME TAXES

         The provision for income taxes is based on the results of operations,
         adjusted primarily for tax-exempt income. Certain items of income and
         expense are reported in different periods for financial reporting and
         tax return purposes. Deferred tax assets and liabilities are determined
         based on the differences between the consolidated financial statement
         and income tax bases of assets and liabilities measured by using the
         enacted tax rates and laws expected to be in effect when the timing
         differences are expected to reverse. Deferred tax expense or benefit is
         based on the difference between deferred tax asset or liability from
         period to period.

         PER SHARE DATA

         Statement of Financial Accounting Standards (SFAS) No. 128, "Earnings
         Per Share", requires dual presentation of basic and diluted earnings
         per share. Basic earnings per share is calculated by dividing net
         income by the weighted average number of shares of common stock
         outstanding at the end of each period. Diluted earnings per share is
         calculated by increasing the denominator for the assumed conversion of
         all potentially dilutive securities. The Corporation does not have any
         securities which have or will have a dilutive effect, accordingly,
         basic and diluted per share data are the same.

         CASH FLOW INFORMATION

         For purposes of reporting consolidated cash flows, cash and cash
         equivalents include cash on hand and due from banks, interest-bearing
         deposits in other banks and federal funds sold. The Corporation
         considers cash classified as interest-bearing deposits with other banks
         as a cash equivalent because they are represented by cash accounts
         essentially on a demand basis. Federal funds are also included as a
         cash equivalent because they are generally purchased and sold for
         one-day periods.

         TRUST ASSETS AND INCOME

         Property held by the Corporation in a fiduciary or agency capacity for
         its customers is not included in the accompanying consolidated
         financial statements because such items are not assets of the
         Corporation. Trust Department income is generally recognized on a cash
         basis and is not materially different than if it was reported on an
         accrual basis.

         SEGMENT REPORTING

         The Corporation's banking subsidiary acts as an independent community
         financial services provider, and offers traditional banking and related
         financial services to individual, business and government customers.
         Through its branch, internet banking, telephone and automated teller
         machine network, the Bank offers a full array of commercial and retail
         financial services, including the taking of time, savings and demand
         deposits; the making of commercial, consumer and mortgage loans; and
         the providing of other financial services. The Bank also performs
         personal, corporate, pension and fiduciary services through its Trust
         Department as well as offering diverse investment products through its
         investment center.

                                       -8-

<PAGE>

         Management does not separately allocate expenses, including the cost of
         funding loan demand, between the commercial, retail, trust and
         investment center operations of the Corporation. As such, discrete
         financial information is not available and segment reporting would not
         be meaningful.

         RECENT ACCOUNTING PRONOUNCEMENTS

         Statement of Financial Accounting Standards (SFAS) No. 142, "Goodwill
         and Other Intangible Assets" is generally effective for fiscal years
         beginning after December 31, 2001, and addresses the financial
         accounting and reporting for acquired goodwill and other intangible
         assets and replaces APB Opinion No. 17 "Intangible Assets". The
         statement addresses how intangible assets that are acquired
         individually or with a group or other assets (but not those acquired in
         a business combination) should be accounted for in financial statements
         upon their acquisition. Goodwill and other intangible assets with an
         indefinite useful life should not be amortized but should be tested for
         impairment at least annually. Intangibles that are separable from
         goodwill and that have a determinable useful life should be amortized
         over the determinable useful life. The standard does not have any
         impact on the Corporation's consolidated financial condition or results
         of operations.

         Statement of Financial Accounting Standards (SFAS) No. 143 "Accounting
         for Asset Retirement Obligations" is generally effective for financial
         statements for fiscal years beginning after June 15, 2002. The
         statement addresses financial accounting and reporting for obligations
         associated with the retirement of tangible long-lived assets and the
         associated asset retirement costs. It applies to legal obligations
         associated with the retirement of long-lived assets that result from
         the acquisition, construction development and (or) the normal operation
         of a long-lived asset. The Statement requires that the fair value of a
         liability for an asset retirement obligation be recognized in the
         period in which it is incurred if a reasonable estimate of fair value
         can be made. The associated asset retirement costs are capitalized as
         part of the carrying amount of the long-lived asset. This standard is
         not expected to have any impact on the Corporation's consolidated
         financial condition or results of operations.

         Statement of Financial Accounting Standards (SFAS) No. 144, "Accounting
         for Impairment or Disposal of Long-Lived Assets" is generally effective
         for financial statements issued for fiscal years beginning after
         December 15, 2001, and for interim periods within those fiscal years.
         The statement addresses financial accounting and reporting for the
         impairment or disposal of long-lived assets. The statement replaces
         FASB Statement No. 121, "Accounting for the Impairment of Long-Lived
         Assets and for Long-Lived Assets to be Disposed Of", and the accounting
         and reporting provisions of APB Opinion No. 30, "Reporting the Results
         of Operations - Reporting the Effects of Disposal of a Segment of a
         Business, and Extraordinary, Unusual and Infrequently Occurring Events
         and Transactions", for the disposal of a "segment of a business" (as
         previously defined in that opinion). The statement also amends ARB No.
         51, "Consolidated Financial Statements", to eliminate the exception to
         consolidation for a subsidiary for which control is likely to be
         temporary. This standard does not have any impact on the Corporation's
         consolidated financial conditions or results of operations.

                                       -9-

<PAGE>

         Statement of Financial Accounting Standards (SFAS) No. 145, "Recession
         of FASB Statements No. 4, 44 and 64, Amendment of FASB Statement No. 13
         and Technical Corrections" is generally effective for financial
         statements issued on or after May 15, 2002. The statement rescinds FASB
         Statement No. 4, "Reporting Gains and Losses from Extinguishment of
         Debt", and an amendment of that statement, FASB Statement No. 64,
         "Extinguishments of Debt Made to Satisfy Sinking-Fund Requirements".
         The statement amends FASB Statement No. 13, "Accounting for Leases", to
         eliminate an inconsistency between the required accounting for
         sale-leaseback transactions and the required accounting for certain
         lease modifications that have economic effects that are similar to
         sale-leaseback transactions. The statement also amends other existing
         authoritative pronouncements to make various technical corrections,
         clarify meanings, or describe their applicability under changed
         conditions. This standard does not have any impact on the Corporation's
         consolidated financial condition or results of operations.

         Statement of Financial Accounting Standards (SFAS) No. 148, "Accounting
         for Stock-Based Compensation - Transition and Disclosure" is generally
         effective for financial statements for fiscal years and interim periods
         beginning after December 31, 2002. The statement amends SFAS No. 123,
         "Accounting for Stock-Based Compensation", to provide alternative
         methods of transition for a voluntary change to the fair value based
         method of accounting for stock-based employee compensation. The
         statement also amends the disclosure requirements of SFAS No. 123 to
         require prominent disclosures in both annual and interim financial
         statements about the method of accounting for stock-based compensation
         and the effect of the method used on reported results. The Corporation
         does not have any stock-based compensation, therefore the standard has
         no impact on the Corporation's consolidated financial condition or
         results of operations.

         ADVERTISING COSTS

         It is the Corporation's policy to expense advertising costs in the
         period in which they are incurred. Advertising expense for the periods
         ended March 31, 2003 and March 31, 2002, were approximately $15,871 and
         $12,717, respectively.

         RECLASSIFICATION

         Certain amounts in the consolidated financial statements of the prior
         years have been reclassified to conform with presentation used in the
         2002 consolidated financial statements. Such reclassifications had no
         effect on the Corporation's consolidated financial condition or net
         income.

                                      -10-

<PAGE>

NOTE 2 - ALLOWANCE FOR LOAN LOSSES

         Changes in the allowance for loan losses for the periods ended March
         31, 2003 and March 31, 2002 were as follows:

<TABLE>
<CAPTION>
                                                      (Amounts in Thousands)
                                                       --------------------
                                                          2003       2002
                                                          ----       ----
<S>                                                   <C>         <C>
Balance, beginning of year.........................   $  1,298    $  1,028
Provision charged to operations....................         50          24
Loans charged-off..................................        (19)        (53)
Recoveries.........................................         21          16
                                                      --------    --------
Balance, March 31..................................   $  1,350    $  1,015
                                                      ========    ========
</TABLE>

         At March 31, 2003 the recorded investment in loans that are considered
         to be impaired as defined by SFAS No. 114 was $302,675. No additional
         charge to operations was required to provide for the impaired loans
         since the total allowance for loan losses is estimated by management to
         be adequate to provide for the loan loss allowance required by SFAS No.
         114 along with any other potential losses.

         At March 31, 2003, there were no significant commitments to lend
         additional funds with respect to non-accrual and restructured loans.

         There were no real estate loans held for resale at March 31, 2003 and
         December 31, 2002.

         Non-accrual loans at March 31, 2003 and December 31, 2002 were
         $2,348,000 and $2,122,074, respectively.

         Loans past due 90 days or more and still accruing interest amounted to
         $587,000 at March 31, 2003.

NOTE 3 - SHORT-TERM BORROWINGS

         Federal funds purchased, securities sold under agreements to
         repurchase, and Federal Home Loan Bank advances generally represented
         overnight or less than 30-day borrowings. U.S. Treasury tax and loan
         notes for collections made by the Bank were payable on demand.

NOTE 4 - LONG-TERM BORROWINGS

         Long-term borrowings are comprised of advances from the Federal Home
         Loan Bank.

                                      -11-

<PAGE>

NOTE 5 - DEFERRED COMPENSATION PLANS

         In April 2003 the Bank entered into non-qualified deferred compensation
         agreements with three executive officers to provide supplemental
         retirement benefits commencing with the executive's retirement and
         ending 15 years thereafter. The aggregate commitment under these
         agreements is $2,400,000, and the expected charge to operations to fund
         such plans for the year ending December 31, 2003 is estimated to be
         approximately $48,775.

         There were no substantial changes in other plans as disclosed in the
         2002 Annual Report.

NOTE 6 - STOCKHOLDERS' EQUITY

         Changes in stockholders' equity for the period ended March 31, 2003
         were as follows:

<TABLE>
<CAPTION>
                                                       (AMOUNTS IN THOUSANDS, EXCEPT COMMON SHARE DATA)
                                                        ---------------------------------------------
                                                                                                ACCUMULATED
                                                                                                    OTHER
                                                                     COMPREHENSIVE              COMPREHENSIVE
                                       COMMON    COMMON                  INCOME      RETAINED     INCOME       TREASURY
                                       SHARES     STOCK    SURPLUS       (LOSS)      EARNINGS     (LOSS)        STOCK      TOTAL
                                       ------     -----    -------      ------      --------     -----          -----      -----
<S>                                  <C>         <C>       <C>       <C>            <C>         <C>            <C>        <C>
Balance at January 1, 2003.........  1,292,724   $ 1,616   $ 4,009     $     0      $20,679     $   536        $    0     $26,840
Comprehensive Income:
 Net income........................          0         0         0         507          507           0             0         507
 Change in unrealized gain (loss)
  on investment securities
  available-for-sale net of
  reclassification adjustment
  and tax effects..................          0         0         0         (12)           0         (12)            0         (12)
                                                                       -------
  TOTAL COMPREHENSIVE INCOME (LOSS)                                    $   495
Issuance of 2,280 shares of common                                     =======
  stock under dividend reinvestment
  and stock purchase plans.........      2,280         3        49                        0           0             0          52
Purchase of 6,000 shares of
  treasury stock...................          0         0         0                        0           0          (144)       (144)
Retirement of 6,000 shares of
  treasury stock...................     (6,000)       (8)     (136)                       0           0           144           0
Cash dividends $.16 per share......          0         0         0                     (206)          0             0        (206)
                                     ---------   -------   -------                  -------     -------        ------     -------
Balance at March 31, 2003..........  1,289,004   $ 1,611   $ 3,922                  $20,980     $   524        $    0     $27,037
                                     =========   =======   =======                  =======     =======        ======     =======
</TABLE>

                                      -12-

<PAGE>

NOTE 7 - FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK AND CONCENTRATIONS OF
         CREDIT RISK

         The Corporation is a party to financial instruments with off-balance
         sheet risk in the normal course of business to meet the financing needs
         of its customers. These financial instruments include commitments to
         extend credit, standby letters of credit and commercial letters of
         credit. Those instruments involve, to varying degrees, elements of
         credit and interest rate risk in excess of the amount recognized in the
         consolidated balance sheets. The contract or notional amounts of those
         instruments reflect the extent of involvement the Corporation has in
         particular classes of financial instruments. The Corporation does not
         engage in trading activities with respect to any of its financial
         instruments with off-balance sheet risk.

         The Corporation may require collateral or other security to support
         financial instruments with off-balance sheet credit risk. The contract
         or notional amounts at March 31, 2003 and December 31, 2002 were as
         follows:

<TABLE>
<CAPTION>
                                                      (AMOUNTS IN THOUSANDS)
                                                      ----------------------
                                                        MARCH       DECEMBER
                                                      31, 2003      31, 2002
                                                      --------      --------
<S>                                                  <C>          <C>
FINANCIAL INSTRUMENTS WHOSE CONTRACT AMOUNTS
 REPRESENT CREDIT RISK:
  Commitments to extend credit.....................  $10,681,391  $11,768,038
  Financial standby letters of credit..............    1,842,578    1,842,578
  Performance standby letters of credit............       48,404       48,404
  Dealer floor plans...............................    1,661,903    1,393,763
</TABLE>

         Commitments to extend credit are agreements to lend to a customer as
         long as there is no violation of any condition established in the
         contract. Commitments generally have fixed expiration dates or other
         termination clauses and may require payment of a fee. Because many of
         the commitments are expected to expire without being drawn upon, the
         total commitment amounts do not necessarily represent future cash
         requirements. The Corporation evaluates each customer's
         creditworthiness on a case-by-case basis. The amount of collateral
         obtained, if deemed necessary by the Corporation upon extension of
         credit, is based on management's credit evaluation of the
         counter-party. Collateral held varies but may include accounts
         receivable, inventory, property, plant, equipment and income-producing
         commercial properties.

         Standby letters of credit and commercial letters of credit are
         conditional commitments issued by the Corporation to guarantee the
         performance of a customer to a third party. The credit risk involved in
         issuing letters of credit is essentially the same as that involved in
         extending loan facilities to customers. The Corporation holds
         collateral supporting those commitments for which collateral is deemed
         necessary.

                                      -13-

<PAGE>

         The Corporation's exposure to credit loss in the event of
         nonperformance by the other party to the financial instrument for
         commitments to extend credit and letters of credit is represented by
         the contractual notional amount of those instruments. The Corporation
         uses the same credit policies in making commitments and conditional
         obligations, as it does for on-balance sheet instruments.

         The Corporation granted commercial, consumer and residential loans to
         customers within Pennsylvania. Of the total loan portfolio at March 31,
         2003, 82.07% was for real estate loans, principally residential. It was
         the opinion of management that the high concentration did not pose an
         adverse credit risk. Further, it was management's opinion that the
         remainder of the loan portfolio was balanced and diversified to the
         extent necessary to avoid any significant concentration of credit.

NOTE 8 - MANAGEMENT'S ASSERTIONS AND COMMENTS REQUIRED TO BE PROVIDED WITH FORM
         10Q FILING

         In management's opinion, the consolidated interim financial statements
         reflect fair presentation of the consolidated financial position of
         CCFNB Bancorp, Inc. and Subsidiary, and the results of their operations
         and their cash flows for the interim periods presented. Further, the
         consolidated interim financial statements are unaudited however they
         reflect all adjustments, which are in the opinion of management,
         necessary to present fairly the consolidated financial condition and
         consolidated results of operations and cash flows for the interim
         periods presented and that all such adjustments to the consolidated
         financial statements are of a normal recurring nature.

         The results of operations for the three-month period ended March 31,
         2003, are not necessarily indicative of the results to be expected for
         the full year.

         These consolidated interim financial statements have been prepared in
         accordance with requirements of Form 10Q and therefore do not include
         all disclosures normally required by accounting principles generally
         accepted in the United States of America applicable to financial
         institutions as included with consolidated financial statements
         included in the Corporation's annual Form 10K filing. The reader of
         these consolidated interim financial statements may wish to refer to
         the Corporation's annual report or Form 10K for the period ended
         December 31, 2002, filed with the Securities and Exchange Commission.

                                      -14-

<PAGE>

REPORT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS



Board of Directors and Stockholders of CCFNB Bancorp, Inc.:

We have reviewed the accompanying consolidated balance sheet of CCFNB Bancorp,
Inc. and Subsidiary as of March 31, 2003, and the related consolidated
statements of income and cash flows for the three month periods ended March 31,
2003 and 2002. These consolidated interim financial statements are the
responsibility of the management of CCFNB Bancorp, Inc. and Subsidiary.

We conducted our reviews in accordance with standards established by the
American Institute of Certified Public Accountants. A review of interim
financial information consists principally of applying analytical procedures
and making inquiries of persons responsible for financial and accounting
matters. It is substantially less in scope than an audit conducted in accordance
with auditing standards generally accepted in the United States of America, the
objective of which is the expression of an opinion regarding the financial
statements taken as a whole. Accordingly, we do not express such an opinion.

Based on our reviews, we are not aware of any material modifications that
should be made to the consolidated financial statements referred to above for
them to be in conformity with accounting principles generally accepted in the
United States of America.

We have previously audited, in accordance with auditing standards generally
accepted in the United States of America, the consolidated balance sheet of
CCFNB Bancorp, Inc. and Subsidiary as of December 31, 2002, and the related
consolidated statements of income, stockholders' equity, and cash flows for the
year then ended (not presented herein); and in our report dated January 20,
2003, we expressed an unqualified opinion on those consolidated financial
statements. In our opinion, the information set forth in the accompanying
consolidated balance sheet as of December 31, 2002, is fairly stated, in all
material respects, in relation to the consolidated balance sheet from which it
has been derived.



/s/ J.H. Williams & Co., LLP
----------------------------
J.H. Williams & Co., LLP
Kingston, Pennsylvania
April 22, 2003





                                   -15-




<PAGE>

                               CCFNB BANCORP, INC.
                                    FORM 10-Q
                        FOR THE QUARTER ENDED MARCH 2003

ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
         OF OPERATIONS

Consolidated Summary of Operations
(Dollars in Thousands, except for per share data)

<TABLE>
<CAPTION>
                                           At and For the Three
                                                 Months
                                             Ended March 31,                   At and For the Years Ended December 31,
                                             ---------------                   ---------------------------------------
                                             2003         2002         2002         2001         2000         1999         1998
                                             ----         ----         ----         ----         ----         ----         ----
<S>                                      <C>          <C>          <C>          <C>          <C>          <C>          <C>
Income and Expense:
   Interest income ....................  $     2,944  $     3,202  $    12,780  $    13,720  $    13,552  $    12,669  $    12,444
   Interest expense ...................        1,265        1,420        5,741        6,924        6,859        6,099        6,072
                                         -----------  -----------  -----------  -----------  -----------  -----------  -----------
   Net interest income ................        1,679        1,782        7,039        6,796        6,693        6,570        6,372
   Loan loss provision ................           50           24          309          163           54           78           78
                                         -----------  -----------  -----------  -----------  -----------  -----------  -----------
   Net interest income after loan loss
     Provision ........................        1,629        1,758        6,730        6,633        6,639        6,492        6,294
   Non-interest income ................          326          243        1,210        1,149        1,053        1,050          981
   Non-interest expense ...............        1,316        1 310        5,479        5,104        4,967        4,818        4,739
                                         -----------  -----------  -----------  -----------  -----------  -----------  -----------
   Income before income taxes .........          639          691        2,461        2,678        2,725        2,724        2,536
   Income taxes .......................          132          159          539          621          671          685          634
                                         -----------  -----------  -----------  -----------  -----------  -----------  -----------
   Net income .........................  $       507  $       532  $     1,922  $     2,057  $     2,054  $     2,039  $     1,902
                                         ===========  ===========  ===========  ===========  ===========  ===========  ===========
Per Share: (1)
   Net income .........................  $       .39  $        40  $      1.47  $      1.54  $      1.51  $      1.48  $      1.38
   Cash dividends paid ................          .16          .15          .63          .59          .56          .51          .46
   Average shares outstanding .........    1,289,815    1,320,694    1,309,084    1,338,007    1,355,624    1,375,572    1,378,339
Average Balance Sheet:
   Loans ..............................  $   150,025  $   143,568  $   147,545  $   139,219  $   134,325  $   123,185  $   116,490
   Investments ........................       54,539       55,067       54,197       50,593       47,003       49,827       45,878
   Other earning assets ...............        8,016        5,529        5,309        6,569          219        1,638        3,890
   Total assets .......................      227,838      215,940      223,476      208,630      196,727      186,597      177,643
   Deposits ...........................      171,922      157,509      150,883      149,601      139,774      138,963      131,366
   Other interest-bearing liabilities .       27,595       30,939       29.356       31.629       31,203       23,458       22,660
   Stockholders' equity ...............       26,939       26,024       26,615       25,890       23,910       22,874       22,264
Balance Sheet Data:
   Loans ..............................  $   149,066  $   145,337  $   151,338  $   142,990  $   137,360  $   134,423  $   118,558
   Investments ........................       57,277       53,012       53,528       57,121       47,311       49,104       48,151
   Other earning assets ...............        7,063        6,399       10,068         3,32        4,814        1,343        5,133
   Total assets .......................      226,643      217,641      229,032      214,238      203,054      196,122      185,258
   Deposits ...........................      171,716      159,352      172,127      155,666      143,169      138,606      137,679
   Other interest-bearing liabilities .       26,571       30,953       28,621       31,384       33,477       33,224       22,709
   Stockholders' equity ...............       27,037       26,006       26,840       26,042       25,050       23,047       23,480
Ratios: (2)
   Return on average assets ...........          .89%         .99%         .86%         .99%        1.04%      1.0911%        1.07%
   Return on average equity ...........         7.56%        8.18%        7.22%        7.90%        8.59%        8.91%        8.54%
   Dividend payout ratio ..............        40.63%       37.03%       42.86%       38.31%       37.09%       34.09%       33.59%
   Average equity to average assets
   ratio...............................        11.52%       12.05%       11.77%       12.16%       12.34%       11.75%       12.53%
</TABLE>

(1)      Per share data has been calculated on the weighted average number of
         shares outstanding.

(2)      The ratios for the three month period ending March 31, 2003 and 2002
         are annualized.

CAUTIONARY STATEMENT CONCERNING FORWARD-LOOKING STATEMENTS

This Form 10-Q, both in the MD & A and elsewhere, contains forward-looking
statements within the meaning of the Private Securities Litigation Reform Act of
1995. Such statements are not historical facts and include expressions about our
confidence and strategies and our expectations about new and existing programs
and products, relationships, opportunities, technology and market conditions.
These statements may be identified by such forward-looking terminology as
"expect," "look," "believe," "anticipate," "may," "will," or similar statements
or variations of such terms. Such forward-looking statements involve certain
risks and uncertainties. These include, but are not limited to, the direction of
interest rates, continued levels of loan quality and origination volume,
continued relationships with major customers, and sources for loans, as well as
the effects of economic conditions and legal and regulatory barriers and
structure. Actual results may differ materially from such forward-looking
statements. We assume no obligation for updating any such forward-looking
statement at any time. Our consolidated financial condition and results of
operations are essentially those of our wholly-owned subsidiary bank, Columbia
County Farmers National Bank. Therefore, our discussion and analysis that
follows is primarily centered on the performance of this bank.

EARNINGS SUMMARY

Net income for the three months ended March 31, 2003 was $507 thousand or $.39
per basic and diluted share. These results compare with net income of $532
thousand, or $.40 per basic and diluted share for the same period in 2002.
Annualized return on average equity decreased to 7.53 percent from 8.18

                                       16

<PAGE>

percent, while the annualized return on average assets decreased to .89 percent
from .99 percent, for the three months ended March 31, 2003 and 2002
respectively.

Net interest income continues to be the largest source of our operating income.
Net interest income on a tax equivalent basis decreased to $3.1 million at March
31, 2003, compared with $3.3 million for the three months ended March 31, 2002.
The decrease in net interest income is primarily due to the decreased interest
rates on investment securities and the downward repricing of adjustable rate
mortgages. Overall, interest earning assets yielded 5.76 percent for the quarter
ended March 31, 2003 compared to 6.27 percent yield for the quarter ended March
31, 2002. The tax equivalized interest margin decreased to 3.38 percent for the
three months ended March 31, 2003 compared to 3.73 percent for the three months
ended March 31, 2002. Part of the decrease is attributable to the investment in
Bank Owned Life Insurance which commenced in December 2002. The effect of this
BOLI created $43,000 tax free non interest income and such income is not
included in the Net Interest Margin since it is reflected in other income.

Average interest earning assets increased $8.4 million or 4.1 percent for the
three months ended March 31, 2003 over the same period in 2002. Average loans
increased $6.4 million or 4.5 percent, average investments decreased $.5 million
or 1 percent and average federal funds sold and interest-bearing deposits with
other financial institutions increased 3 million or 45.2 percent for this three
month period, from $5.5 million at March 31, 2002 to $8 million at March 31,
2003.

Average interest bearing liabilities for the three months ended March 31, 2003
increased $10.9 million or 6.3 percent from the same period in 2002. Average
short-term borrowings were $19.6 million at March 31, 2002 and $16.2 million at
March 31, 2003, a decrease of 16.8 percent. Long-term debt, which includes
primarily FHLB advances, was 11.3 million at March 31, 2002 and 2003. Average
demand deposits increased $266 thousand from 2002 balances.

The average interest rate for loans decreased 58 basis points to 6.40 percent at
March 31, 2003 compared to 6.98 percent March 31, 2002. Interest-bearing
deposits with other Financial Institutions interest rates decreased 50 basis
points to 1.02 percent from 1.52 percent at March 31, 2003 and March 31, 2002
respectively. Average rates on interest bearing deposits decreased by 68 basis
points from 3.27 percent to 2.59 percent in one year. Average interest rates
also decreased on total interest bearing liabilities by 52 basis points to 2.74
percent from 3.26 percent. The reason for these decreases on interest bearing
liabilities was primarily attributed to the decreasing rates on all deposit
liabilities and the tied-to-prime interest rates paid on repurchase agreements.
The net interest margin decreased to 3.38 percent for the three months ended
March 31, 2003 from 3.73 percent for the three months ended March 31, 2002. The
decrease in the overall net interest margin is a result of interest rate changes
with adjustable loan rates repricing downward throughout 2002 in this continuing
downward interest rate environment. Income received on one-day investments fell.
This "squeeze" caused by interest rates is keeping the net interest spread in a
declining mode; however, the change in net interest margin is gradual and
slight. Our "asset" sensitive position places us in a position to have an
increase in our net interest margin when rates rise. The cost of long-term debt
averaged 5.99% for the past several years which contributed to the declining net
interest margin. This long-term debt will remain a deterrent to us in a
declining interest rate environment. This is due to the fact that the Federal
Home Loan Bank has the option to reprice these loans at their discretion. Until
interest rates would rise to make the current 5.99% average rate unattractive,
this in all probability will not occur. We will continue to use the following
strategies to mitigate this decline in our net interest margin: Pricing of
deposits will continue to be monitored and lowered, if necessary, to meet
current market conditions; large deposits over $100,000 will continue to be
priced conservatively; and in this low interest rate environment the majority of
new investments will be kept short term in anticipation of rising rates.

NET INTEREST INCOME

Net interest income decreased to $1.7 million for the three months ended March
31, 2003 compared to $1.8 million for the same period in 2002.

The following table reflects the components of net interest income for each of
the three months ended March 31, 2003 and 2002 .

           ANALYSIS OF AVERAGE ASSETS, LIABILITIES AND CAPITAL EQUITY
                                       AND
                  NET INTEREST INCOME ON A TAX EQUIVALENT BASIS

AVERAGE BALANCE SHEET AND RATE ANALYSIS
(Dollars in Thousands)

<TABLE>
<CAPTION>
                                                                 Three Months Ended March 31, 2003 and 2002
                                                                 Interest   Average                Interest    Average
                                                      Average    Income /    Yield /    Average     Income /    Yield /
                                                      Balance    Expense      Rate      Balance     Expense     Rate
                                                      -------    -------      ----      -------     -------     ----
                                                        (1)        (2)                    (1)         (2)
<S>                                                  <C>        <C>         <C>        <C>         <C>         <C>
ASSETS:
Interest-bearing deposits with other financial
institutions......................................   $   5,483  $      14     1.02%    $   4,462   $      17     1.52%
Investment securities (3).........................      54,539        540     4.66%       55,067         678     4.92%
Federal funds sold................................       2,533         12     1.89%        1,067           3     1.12%
Loans   ..........................................     150,025      2,378     6.40%      143,568       2,504     6.98%
                                                     ---------  ---------              ---------   ---------

Total interest earning assets.....................   $ 212,580  $   2,944     5.76%    $ 204,164   $   3,202     6.27%
                                                     ---------  ---------              ---------   ---------

Reserve for loan losses...........................      (1,324)                           (1,022)
Cash and due from banks...........................       5,483                             2,291
Other assets......................................      11,099                            10,507
                                                     ---------                         ---------

Total assets......................................   $ 227,838                         $ 215,940
                                                     ---------                         ---------
</TABLE>

                                       17

<PAGE>

<TABLE>
<S>                                                  <C>        <C>           <C>      <C>         <C>           <C>
LIABILITIES AND CAPITAL:
Interest bearing deposits.........................   $ 157,177  $   1,017     2.59%    $ 143,030   $   1,169     3.27%
Short-term borrowings.............................      16,250         81     1.98%       19,583          83     1.70%
Long-term borrowings..............................      11,345        167     5.89%       11,356         168     5.92%
                                                     ---------  ---------              ---------   ---------

Total interest-bearing liabilities................   $ 184,772  $    1265     2.74%    $ 173,969   $   1,420     3.26%
                                                     ---------                         ---------   ---------

Demand deposits...................................   $  14,745                         $  14,479
Other liabilities.................................       1,382                             1,468
Stockholders' equity..............................      26,939                            26,024
                                                     ---------                         ---------

Total liabilities and capital.....................   $ 227,838                         $ 215,940
                                                     ---------                         ---------

NET INTEREST INCOME /                                           $   1,679     3.16%                $   1,782     3.49%
 NET INTEREST MARGIN (4).........................

TAX EQUIVALENT NET INTEREST INCOME /                            $   1,797     3.38%                $   1,905     3.73%
 NET INTEREST MARGIN (5).........................
</TABLE>

(1)      Average volume information was computed using daily averages.

(2)      Interest on loans includes fee income.

(3)      Yield on tax-exempt obligations has been computed on a tax-equivalent
         basis.

(4)      Net interest margin is computed by dividing net interest income by
         total interest earning assets.

(5)      Interest and yield are presented on a tax-equivalent basis using 34
         percent for 2003 and 2002.

The following table demonstrates the relative impact on net interest income of
changes in volume of interest earnings assets and interest bearing liabilities
and changes in rates earned and paid by us on such assets and liabilities.

             CHANGE IN NET INTEREST INCOME ON A TAX EQUIVALENT BASIS

<TABLE>
<CAPTION>
                                                                  Three Months Ended March 31, 2003
                                                                          Compared with 2002
                                                                       Increase (Decrease) (2)
                                                               Volume           Rate             Total
                                                               ------           ----             -----
Interest income:                                                            (In thousands)
<S>                                                            <C>          <C>                 <C>
           Loans (1)                                           $  451       $        (833)      $  (382)
           Investments                                            (26)               (143)         (169)
            Federal  funds sold and other short-term               36                  (8)           28
investments

Interest expense:
            Deposits                                           $  463       $        (973)      $  (510)
            Short-term borrowings                                 (57)                 55            (2)
            Long term debt                                         (1)                 (3)           (4)
                                                                            -------------

Net:                                                           $   56       $         (63)      $    (7)
</TABLE>

(1)      Interest income is adjusted to a tax equivalent basis using a 34
         percent tax rate.

(2)      Variances resulting from a combination of changes in volume and rates
         are allocated to the categories in proportion to the absolute dollar
         amounts of the change in each category.

Average interest earning assets at March 31, 2003 increased by 5.5 percent over
March 31, 2002 to $227.8 million from $215.9 million.

Average loans outstanding increased from $143.6 million to $150. million or 4.5
percent for the three months ended March 31, 2003 as compared with the three
months ended March 31, 2002.

The outstanding balance of loans at March 31, 2003 was $149.1 million compared
to $151.3 million at December 31, 2002.

Interest income from investment securities declined $138 thousand at $540
thousand for the three months ended March 31, 2003 compared to $678 thousand at
March 31, 2002. The average balance of investment securities for the three
months ended March 31, 2003 decreased 1.1 percent to $54.5 million, compared to
the $55.1 million for the same period of 2002.

                                       18

<PAGE>

Total interest expense decreased $155 thousand or 10.9 percent for the first
three months of 2003 as compared to the first three months of 2002. The cost of
interest bearing liabilities decreased on an average yield basis from 3.26
percent through March 2002 compared to 2.74 percent through March 2003. The
average yield on interest earning assets decreased from 6.27 percent to 5.76
percent through March 2003 and 2002 respectively.

Average short-term borrowings decreased $3.3 million from $19.6 million at March
31, 2002 to $16.3 million at March 31, 2003.

Long-term borrowings from Federal Home Loan Bank remained at 11.3 million at
March 31, 2002 and 2003 respectively.

NON-INTEREST INCOME

The following table presents the components of non-interest income for the nine
months ended March 31, 2003 and 2002:

<TABLE>
<CAPTION>
                                                                     Three Months Ended
                                                                         March 31,
                                                                      (In thousands)
                                                                      --------------
                                                                    2003          2002
                                                                    ----          ----
<S>                                                                <C>          <C>
Service charges and fees.......................................    $  183       $     162
Trust Department income........................................        36              48
Investment securities gain - net...............................         0               0
Gain on sale of loans..........................................        14               0
Gain on sale of Other Real Estate Owned........................        12               0
Gain on Cash Surrender Value of BOLI...........................        41               0
Third party brokerage income...................................        19              24
Other..........................................................        21               9
                                                                   ------       ---------
            Total..............................................    $  326       $     243
                                                                   ------       ---------
</TABLE>

Non-interest income continues to represent a considerable source of our income.
We are committed to increasing non-interest income. Increases will be from our
existing sources of non-interest income and any new opportunities that may
develop. For the three months ended March 31, 2003, total non-interest income
increased $83 thousand to $326 thousand or 34.2 percent, compared to $243
thousand for the three months period ended March 31, 2002. Service charges and
fees increased $21 thousand from $162 thousand at March 31, 2002 to $183
thousand or 13 percent at March 31, 2003. Trust Department income decreased from
$48 thousand at March 31, 2002 to $36 thousand or 25 percent at March 31, 2003.
Third party brokerage income reflected a $5 thousand decrease or 20.8 percent
comparing March 31, 2002 to March 31, 2003. Both of these areas are reflective
of the present economy and the investor being cautious. We began selling fixed
rate mortgages during 2003 and the fees derived from these sales was $14
thousand through March 31, 2003 compared to 0 through March 31, 2002. The loans
are being serviced by CCFNB and the bank retains some credit risk. Investment in
Bank Owned Life Insurance is reflected in the March 31, 2003 balance sheet and
income statement. Other non-interest income increased $12 thousand from $9
thousand at March 31, 2002 to $21 thousand at March 31, 2003. This increase was
attributable mainly to an increase in collection of non sufficient funds fees.

NON-INTEREST EXPENSE

The following table presents the components of non-interest expense for the
three months ended March 31, 2002 and 2003:

<TABLE>
<CAPTION>
                                                                     Three Months Ended
                                                                         March 31,
                                                                    2003          2002
                                                                    ----          ----
                                                                   (Dollars in Thousands)
<S>                                                                <C>          <C>
Salaries and  wages............................................    $  525       $     534
Employee benefits..............................................       186             184
Net occupancy expense..........................................       103              89
Furniture and equipment expense................................       118             154
State shares tax...............................................        69              62
Other expense..................................................       315             287
                                                                   ------       ---------

          Total................................................    $1,316       $   1,310
                                                                   ------       ---------
</TABLE>

Non-interest expense remained at $1.3 million at March 31, 2002 and 2003.

Generally, non-interest expense accounts for the cost of maintaining facilities;
providing salaries and benefits to employees; and paying for insurance,
supplies, advertising, data processing services, taxes and other related
expenses. Some of the costs and expenses are variable while others are fixed. To
the extent possible, we utilize budgets and related measures to control variable
expenses.

Salaries decreased 1.7 percent at March 31, 2003 compared to March 31, 2002. A
1.1 percent increase was reflected in employee benefits from $184 thousand at
March 31, 2003 to $186 thousand at March 31, 2002.

Occupancy expense increased 15.7 percent mainly due to snow and ice removal and
heating costs Furniture and equipment expense reflects a $36 or 23.4 percent
decrease for the first three months of 2003 compared to the first three months
of 2002.

Pennsylvania Bank Shares Tax increased 11.3 percent from $62 thousand at March
31, 2002 compared to $69 thousand at March 31, 2003.

Other expenses increased $28 thousand or 9.8 percent from $287 thousand at March
31, 2002 to $315 thousand at March 31, 2003. This increase occurred
proportionately in all components of other expense.

                                       19

<PAGE>

INCOME TAXES

Income tax expense as a percentage of pre-tax income was 20.7 percent for the
three months ended March 31, 2003 compared with 23 percent for the same period
in 2002. The effective tax rate for 2003 remains at 34 percent.

ASSET / LIABILITY MANAGEMENT

INTEREST RATE SENSITIVITY

Our success is largely dependent upon our ability to manage interest rate risk.
Interest rate risk can be defined as the exposure of our net interest income to
the movement in interest rates. We do not currently use derivatives to manage
market and interest rate risks. Our interest rate risk management is the
responsibility of the Asset / Liability Management Committee ("ALCO"), which
reports to the Board of Directors. ALCO establishes policies that monitor and
coordinate our sources, uses and pricing of funds as well as interest-earning
asset pricing and volume.

We use a simulation model to analyze net interest income sensitivity to
movements in interest rates. The simulation model projects net interest income
based on various interest rate scenarios over a 12 and 24 month period. The
model is based on the actual maturity and repricing characteristics of rate
sensitive assets and liabilities. The model incorporates assumptions regarding
the impact of changing interest rates on the prepayment rates of certain assets
and liabilities. In the current stagnant interest rate environment, our net
interest income is not expected to change materially.

LIQUIDITY

Liquidity measures the ability to satisfy current and future cash flow needs as
they become due. Maintaining a level of liquid funds through asset / liability
management seeks to ensure that these needs are met at a reasonable cost. On the
asset side, liquid funds are maintained in the form of cash and due from banks,
federal funds sold, investment securities maturing within one year, and security
and loan payments. Liquid assets amounted to $118.6 million and $202.3 million
at March 31, 2003 and December 31, 2002, respectively. This represents 59.3
percent and 64.2 percent of earning assets, and 52.3 percent and 56.3 percent of
total assets at March 31, 2003 and December 31, 2002, respectively.

On the liability side, the primary source of funds available to meet liquidity
needs is our core deposit base, which generally excludes certificates of deposit
over $100 thousand . Core deposits averaged approximately $140.3 million for the
three months ended March 31, 2003 and $137 million for the year ended December
31, 2002, representing 66 percent and 67.1 percent of average earning assets.
Short-term and long-term borrowings through repurchase agreements, Federal Home
Loan Bank advances and large dollar certificates of deposit, generally those
over $100 thousand, are used as supplemental funding sources. Additional
liquidity is derived from scheduled loan and investment payments of principal
and interest, as well as prepayments received. For the three months ended March
31, 2003 there were $12.3 million of proceeds from the sales, maturities and
redemptions of investment securities available for sale. Purchases of investment
securities for the three months ended March 31, 2002 were $16.2. Short-term
borrowings and certificates of deposit over $100 thousand amounted to $36.8
million and $48.5 million for the three months ended March 31 2003 and the year
ended December 31, 2002, respectively. This strategy of lowering short-term
borrowings and certificates of deposit interest rates has positively impacted
the interest expense of the bank and is expected to accelerate throughout 2003.

Our cash requirements consist primarily of dividends to shareholders. This cash
need is routinely satisfied by dividends collected from the bank along with cash
and investments owned. Projected cash flows from this source are expected to be
adequate to pay dividends, given the current capital levels and current
profitable operations of the bank. In addition, we may repurchase shares of our
outstanding common stock for benefit plans and other corporate purposes. The
cash required for a purchase of shares can be met by using our own funds,
dividends received from the bank, and borrowed funds.

As of March 31, 2003, we had $57.3 million of securities available for sale
recorded at their fair value, compared with $53.5 million at December 31, 2002.
As of March 31, 2003, the investment securities available for sale had an
unrealized gain of $524 thousand, net of deferred taxes, compared with an
unrealized gain of $536 thousand, net of deferred taxes, at December 31, 2002.
These securities are not considered trading account securities which may be sold
on a continuous basis, but rather are securities which may be sold to meet our
various liquidity and interest rate requirements.

NON-PERFORMING ASSETS

Shown below is a summary of past due and non-accrual loans:

<TABLE>
<CAPTION>
                                                                    (Dollars in thousands)
                                                                   March 31,     December 31,
                                                                      2003           2002
                                                                      ----           ----
<S>                                                               <C>            <C>
Past due and non-accrual:
         Days 30 - 89                                             $     2,305    $      1,841
         Days 90 plus                                                     587              50
         Non-accrual                                                    2,348           2,122
                                                                  -----------    ------------
  Total                                                           $     5,240    $      4,013
                                                                  -----------    ------------
</TABLE>

Past due and non-accrual loans increased 30.6 percent from 4 million at December
31, 2002 to 5.2 million at March 31, 2003. The loan delinquency expressed as a
ratio to total loans was 3.5 percent at March 31, 2003 and 2.6 percent at
December 31, 2002.

Some of the rise in loan delinquencies is attributed to the current economic
conditions, which result in less profitability for many local companies. This
further impacts the local job market and the associated wages. The provision for
loan losses for 2002 increased in response to this rise in delinquencies from
$162.5 thousand in 2001 to $309 thousand in 2002. We further increased the
provision during the first quarter of 2003 by $50 thousand from year end 2002.
Management is diligent in its efforts to reduce these delinquencies and has
increased monitoring and review of current loans to foresee future delinquency
occurrences and react to them quickly. There are plans to hire a Chief Lending
Officer in the near future.

Any loans classified for regulatory purposes as loss, doubtful, substandard, or
special mention that have not been disclosed under Industry Guide 3 do not (i)
represent or result from trends or uncertainties which we reasonably expect will
materially impact future operating results, liquidity, or capital

                                       20

<PAGE>

resources, or (ii) represent material credits about which we are aware of any
information which causes us to have serious doubts as to the ability of such
borrowers to comply with the loan repayment terms.

We adhere to principles provided by Financial Accounting Standards Board
Statement No. 114, "Accounting by Creditors for Impairment of a Loan" - Refer to
Note 2 above for other details.

The following analysis provides a schedule of loan maturities / interest rate
sensitivities. This schedule presents a repricing and maturity analysis as
required by the FFIEC:

<TABLE>
<CAPTION>
                                                                                                             (Dollars in
                                                                                                              Thousands)
                                MATURITY AND REPRICING DATA FOR LOANS AND LEASES                            March 31, 2003
<S>                                                                                                         <C>
Closed-end loans secured by first liens and 1-4 family residential properties with a
 remaining maturity or repricing frequency of:
         (1) Three months or less.......................................................................    $        4,406
         (2) Over three months through 12 months........................................................            11,908
         (3) Over one year through three years..........................................................            29,320
         (4) Over three years through five years........................................................             2,003
         (5) Over five years through 15 years...........................................................            23,885
         (6) Over 15 years..............................................................................               464
All loans and leases other than closed-end loans secured by first liens on 1-4 family residential
 properties with a remaining maturity or repricing frequency of:
         (1) Three months or less.......................................................................            25,759
         (2) Over three months through 12 months........................................................            11,441
         (3) Over one year through three years..........................................................            18,550
         (4) Over three years through five years .......................................................             5,926
         (5) Over five years through 15 years...........................................................            12,652
         (6) Over 15 years..............................................................................               436
                                                                                                            --------------
                     Sub-total..........................................................................    $      146,750
Add:     non-accrual loans not included above...........................................................             2,348
Less:    unearned income................................................................................               (32)
                                                                                                            --------------

                  Total Loans and Leases                                                                    $      149,066
</TABLE>

ALLOWANCE FOR LOAN LOSSES

The allowance for loan losses reflected a balance of $1.4 million or .94 percent
of total loans at March 31, 2003 and a balance of $1.3 million or .86 percent of
total loans at December 31, 2002. The allowance is believed adequate for
possible loan losses in the future.

The provision for loan losses was $50 thousand for the first three months of
2003 compared to $24 thousand for the first three months of 2002. After
carefully examining our loan loss reserve analysis, the decision was made to
accrue $50 thousand for the second quarter of 2003.

Because our loan portfolio and delinquencies contains a significant number of
commercial loans with relatively large balances the deterioration of one or
several of these loans may result in a possible significant increase in loss of
interest income, higher carrying costs, and an increase in the provision for
loan losses and loan charge-offs.

We maintain an allowance for loan losses to absorb any loan losses based on our
historical experience, an evaluation of economic conditions, and regular reviews
of delinquencies and loan portfolio quality. In evaluating our allowance for
loan losses, we segment our loans into the following categories:

         -        Commercial (including investment property mortgages),

         -        Residential mortgages, and

         -        Consumer.

We evaluate some loans as a homogeneous group and others on an individual basis.
Commercial loans with balances exceeding $250 thousand are reviewed
individually. After our evaluation of these loans, we determine the required
allowance for loan losses based upon the following considerations:

         -        Historical loss levels,

         -        Prevailing economic conditions,

         -        Delinquency trends,

         -        Changes in the nature and volume of the portfolio,

         -        Concentrations of credit risk, and

         -        Changes in loan policies or underwriting standards.

Management and the Board of Directors review the adequacy of the reserve on a
quarterly basis and adjustments, if needed, are made accordingly.

                                       21

<PAGE>

<TABLE>
<CAPTION>
                                                                                 For the Three Months
                                                                                   Ending March 31,
       Amounts in thousands                                                       2003          2002
       --------------------                                                       ----          ----
<S>                                                                             <C>           <C>
Average loans outstanding:                                                      $150,025      $143,568
                                                                                --------      --------
Total loans at end of period                                                     149,066       145,337
                                                                                --------      --------
Balance at beginning of period                                                     1,298         1,028
           Total charge-offs                                                         (19)          (53)
           Total recoveries                                                           21            16
           Net charge-offs                                                             2           (37)
           Provision for loan losses                                                  50            24
                                                                                --------      --------
 Balance at end of period                                                       $  1,350      $  1,015
                                                                                --------      --------

Net charge-offs as a percent of average loans outstanding during period              .01%          .03%
Allowance for loan losses as a percent of total loans                                .91%          .70%
</TABLE>

The allowance for loan losses is based on our evaluation of the allowance for
loan losses in relation to the credit risk inherent in the loan portfolio. In
establishing the amount of the provision required, management considers a
variety of factors, including but not limited to, general economic conditions,
volumes of various types of loans, collateral adequacy and potential losses from
significant borrowers. On a monthly basis, the Board of Directors and the bank's
Credit Administration Committee review information regarding specific loans and
the total loan portfolio in general in order to determine the amount to be
charged to the provision for loan losses.

CAPITAL ADEQUACY

A major strength of any financial institution is a strong capital position. This
capital is very critical as it must provide growth, dividend payments to
shareholders, and absorption of unforeseen losses. Our federal regulators
provide standards that must be met. These standards measure "risk-adjusted"
assets against different categories of capital. The "risk-adjusted" assets
reflect off balance sheet items, such as commitments to make loans, and also
place balance sheet assets on a "risk" basis for collectibility. The adjusted
assets are measured against the standards of Tier I Capital and Total Qualifying
Capital. Tier I Capital is common shareholders' equity. Total Qualifying Capital
includes so-called Tier II Capital which is common shareholders' equity and the
allowance for loan and lease losses. The allowance for loan and lease losses
must be lower than or equal to common shareholders' equity to be eligible for
Total Qualifying Capital.

We exceed all minimum capital requirements as reflected in the following table:

<TABLE>
<CAPTION>
                                                                                 March 31, 2003               December 31, 2002
                                                                                 --------------               -----------------
                                                                                            Minimum                        Minimum
                                                                            Calculated      Standard      Calculated       Standard
                                                                              Ratios         Ratios         Ratios          Ratios
                                                                              ------         ------         ------          ------
<S>                                                                         <C>             <C>           <C>              <C>
Risk Based Ratios:
Tier I Capital to risk-weighted assets..................................       18.57%         4.00%          18.53%          4.00%
Total Qualifying Capital to risk-weighted assets........................       19.53%         8.00%          19.46%          8.00%
</TABLE>

Additionally, certain other ratios also provide capital analysis as follows:

<TABLE>
<CAPTION>
                                                                                            March 31,      December 31,
                                                                                              2003             2002
<S>                                                                                         <C>            <C>
Tier I Capital to average assets.................................................             11.52%         11.77%
</TABLE>

We believe that the bank's current capital position and liquidity positions are
strong and that its capital position is adequate to support its operations.

Book value per share amounted to $20.98 at March 31, 2003, compared with $20.76
per share at December 31, 2002.

Cash dividends declared amounted to $0.16 per share, for the three months ended
March 31, 2003, equivalent to a dividend payout ratio of 40.63 percent, compared
with 37.03 percent for the same period in 2002. Our Board of Directors continues
to believe that cash dividends are an important component of shareholder value
and that, at the bank's current level of performance and capital, we expect to
continue our current dividend policy of a quarterly cash distribution of
earnings to our shareholders.

                                       22

<PAGE>

PART II - OTHER INFORMATION;

Item 1.  Legal Proceedings

Management and the Corporation's legal counsel are not aware of any litigation
that would have a material adverse effect on the consolidated financial position
of the Corporation. There are no proceedings pending other than the ordinary
routine litigation incident to the business of the Corporation and its
subsidiary, Columbia County Farmers National Bank. In addition, no material
proceedings are pending or are known to be threatened or contemplated against
the Corporation and the Bank by government authorities.

Item 2.  Changes in Securities - Nothing to report.

Item 3.  Defaults Upon Senior Securities - Northing to report.

Item 4.  Submission of matters to a Vote of Security Holders - Nothing to
report.

Item 5.  Other Information.

Item 6.  Exhibits and Reports on Form 8-K - During the first quarter of 2003 two
8K reports were filed Pursuant to Section 3 of 15 (d) of the Securities Exchange
Act of 1934 as follows:

     -    Filed January 7, 2003...The Director's named Lance O. Diehl, Chief
          Executive Officer of CCFNB Bancorp, Inc. and CCFNB, it's subsidiary.

     -    Filed February 14, 2003..The Director's accepted the resignation of
          Director Rodney B. Keller, who had no disagreement over Corporate
          Policy and Management. Additionally, the Directors named Lance O.
          Diehl President of CCFNB Bancorp, Inc. and CCFNB, it's subsidiary.
          Also named to fill the unexpired term of Rodney B. Keller was Lance O.
          Diehl.

                                       23

<PAGE>

                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                               CCFNB BANCOPR, INC.
                                  (Registrant)

                               By /s/ Lance O. Diehl
                                  -----------------------------
                                  Lance O. Diehl
                                  President and CEO

                               Date: May 8, 2003

                               By /s/ Virginia D. Kocher
                                  -----------------------------
                                  Virginia D. Kocher
                                  Treasurer

                               Date: May 8, 2003

                                       24

<PAGE>

                                   EXHIBIT 99B

                               CCFNB BANCORP, INC.

                          CEO CERTIFICATION PURSUANT TO
                               18 U.S.C. Section 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

         In connection with the Quarterly Report of CCFNB Bancorp, Inc. (the
"Company") on Form 10-Q for the quarter-ended March 31, 2003, as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Lance
O. Diehl, Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of
2002, that:

         1. The Report fully complies with the requirements of Section 13(a) or
            15(d) of the Securities Exchange Act of 1934; and

         2. The information contained in the Report fairly represents, in all
            material respects, the financial condition and result of operations
            of the Company.

Date: May 8, 2003

                                 /s/ Lance O. Diehl
                                 -------------------------------------
                                 Lance O. Diehl
                                 Chief Executive Officer

                                       25

<PAGE>

                                   EXHIBIT 99C

                               CCFNB BANCORP, INC.

                           PRINCIPAL FINANCIAL OFFICER
                            CERTIFICATION PURSUANT TO
                               18 U.S.C. Section 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

         In connection with the Quarterly Report of CCFNB Bancorp, Inc. (the
"Company") on Form 10-Q for the quarter-ended March 31, 2003, as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I,
Virginia D. Kocher, the Principal Financial Officer of the Company, certify,
pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that:

         1. The Report fully complies with the requirements of Section 13(a) or
            15(d) of the Securities Exchange Act of 1934; and

         2. The information contained in the Report fairly represents, in all
            material respects the financial condition and result of operations
            of the Company.

Date: May 8, 2003

                               /s/ Virginia D. Kocher
                               -------------------------------------
                               Virginia D. Kocher
                               Treasurer (Principal Financial Officer)

                                       26

<PAGE>

                                   EXHIBIT 99D

                               CCFNB BANCORP, INC.

                          CEO CERTIFICATION PURSUANT TO
                               SECTION 302 OF THE
                           SARBANES-OXLEY ACT OF 2002

I, Lance O. Diehl, certify that:

     1.   I have reviewed this quarterly report on Form 10-Q of CCFNB Bancorp,
          Inc.

     2.   Based on my knowledge, this annual report does not contain any untrue
          statement of a material fact or omit to state a material fact
          necessary to make the statements made, in light of the circumstances
          under which such statements were made, not misleading with respect to
          the period covered by this annual report.

     3.   Based on my knowledge, the financial statements, and other financial
          information included in this annual report, fairly present in all
          material respects the financial condition, results of operations and
          cash flows of the registrant as of, and for, the periods presented in
          this annual report;

     4.   The registrant's other certifying officers and I are responsible for
          establishing and maintaining disclosure controls and procedures (as
          defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant
          and have:

     (a) designed such disclosure controls and procedures to ensure that
     material information relating to the registrant, including its consolidated
     subsidiaries, is made known to us by others within those entities,
     particularly during the period in which this annual report is being
     prepared;

     (b) evaluated the effectiveness of the registrant's disclosure controls and
     procedures as of a date within 90 days prior to the filing date of this
     annual report (the "Evaluation Date"); and

     (c) presented in this quarterly report our conclusions about the
     effectiveness of the disclosure controls and procedures based on our
     evaluation as of the Evaluation Date;

     5.   The registrant's other certifying officers and I have disclosed, based
          on our most recent evaluation, to the registrant's auditors and the
          audit committee of registrant's board of directors (or persons
          performing the equivalent functions):

     (a) all significant deficiencies in the design or operation of internal
     controls which could adversely affect the registrant's ability to record,
     process, summarize and report financial data and have identified for
     registrant's auditors any material weaknesses in internal controls; and

     (b) any fraud, whether or not material, that involves management or other
     employees who have a significant role in the registrant's internal
     controls; and

     6.   The registrant's other certifying officers and I have indicated in
          this annual report whether there were significant changes in internal
          controls or in other factors that could significantly affect internal
          controls

                                       27

<PAGE>

     subsequent to the date of our most recent evaluation, including any
     corrective actions with regard to significant deficiencies and material
     weaknesses.

Date: May 8, 2003

                              /s/ Lance O. Diehl
                              -----------------------------
                                        Lance O. Diehl
                              Chief Executive Officer

                                       28

<PAGE>

                                   EXHIBIT 99E

                               CCFNB BANCORP, INC.

                           PRINCIPAL FINANCIAL OFFICER
                            CERTIFICATION PURSUANT TO
                               SECTION 302 OF THE
                           SARBANES-OXLEY ACT OF 2002

I, Virginia D. Kocher, certify that:

     1.   I have reviewed this quarterly report on Form 10-Q of CCFNB Bancorp,
          Inc.

     2.   Based on my knowledge, this annual report does not contain any untrue
          statement of a material fact or omit to state a material fact
          necessary to make the statements made, in light of the circumstances
          under which such statements were made, not misleading with respect to
          the period covered by this annual report.

     3.   Based on my knowledge, the financial statements, and other financial
          information included in this quarterly report, fairly present in all
          material respects the financial condition, results of operations and
          cash flows of the registrant as of, and for, the periods presented in
          this annual report;

     4.   The registrant's other certifying officers and I are responsible for
          establishing and maintaining disclosure controls and procedures (as
          defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant
          and have:

          (a) designed such disclosure controls and procedures to ensure that
          material information relating to the registrant, including its
          consolidated subsidiaries, is made known to us by others within those
          entities, particularly during the period in which this annual report
          is being prepared;

          (b) evaluated the effectiveness of the registrant's disclosure
          controls and procedures as of a date within 90 days prior to the
          filing date of this annual report (the "Evaluation Date"); and

          (c) presented in this quarterly report our conclusions about the
          effectiveness of the disclosure controls and procedures based on our
          evaluation as of the Evaluation Date;

     5.   The registrant's other certifying officers and I have disclosed, based
          on our most recent evaluation, to the registrant's auditors and the
          audit committee of registrant's board of directors (or persons
          performing the equivalent functions):

          (a) all significant deficiencies in the design or operation of
          internal controls which could adversely affect the registrant's
          ability to record, process, summarize and report financial data and
          have identified for registrant's auditors any material weaknesses in
          internal controls; and

          (b) any fraud, whether or not material, that involves management or
          other employees who have a significant role in the registrant's
          internal controls; and

<PAGE>

     6.   The registrant's other certifying officers and I have indicated in
          this annual report whether there were significant changes in internal
          controls or in other factors that could significantly affect internal
          controls subsequent to the date of our most recent evaluation,
          including any corrective actions with regard to significant
          deficiencies and material weaknesses.

Date: May 8, 2003
                                  /s/ Virginia D. Kocher
                                  -----------------------------------------
                                  Virginia D. Kocher
                                  Treasurer (Principal Financial Officer)