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                                  EXHIBIT 99.1

                               CCFNB BANCORP, INC.
                      COLUMBIA COUNTY FARMERS NATIONAL BANK

                         CHARTER OF THE AUDIT COMMITTEE
                             AS OF FEBRUARY 9, 2006

OBJECTIVE

The objective of the Audit Committee is to assist the full Board of Directors in
fulfilling its fiduciary responsibilities. The Audit Committee is responsible
for evaluating the Bank's compliance with laws, regulations, policies and
procedures, and determining that the Bank has adequate administrative, operating
and internal accounting controls. In addition, the Audit Committee is
responsible for providing reasonable assurance regarding the integrity of
financial and other data used by the Board of Directors.

RESPONSIBILITIES

The Audit Committee is responsible for:

     -    Reviewing published Bank financial statements and the annual Report
          for accuracy, timeliness, and appropriate financial statement
          disclosures.

     -    Reviewing the adequacy and effectiveness of key accounting and
          financial policies, including any significant changes thereto.

     -    Evaluating security for computer systems, facilities, and backup
          systems.

     -    Determining that no restrictions are imposed upon the audit scope that
          would hinder independence of the audit function.

     -    Evaluating responses by management to audit findings and reports.

     -    Monitoring management implementation of audit recommendations.

     -    Assessing the impact of new accounting principles or policies
          promulgated by the accounting profession or proposed by Bank
          personnel.

     -    Overseeing the investigation of conflicts of interest and unethical
          conduct.

     -    Facilitating communication among the Board of Directors, the Bank's
          external auditors, internal auditors, the Office of the Comptroller of
          the Currency and the Federal Reserve System.

     -    Reviewing and approving annual audit plans of the external and
          internal auditors.

     -    Ensuring the receipt from the external and internal auditors of a
          formal written statement delineating all relationships between the
          auditor and the Bank. Also, actively engages in a dialogue with the
          auditor with response to any disclosed relationships or services that
          may impact the objectivity and independence of the auditor, and to
          take appropriate action to ensure the independence of the outside
          auditors.

     -    Requiring the external and internal auditor to discuss with the audit
          committee the auditors judgments about the quality, not just
          acceptability, of the Bank's accounting principles applied in its
          financial reporting. Also, recommends that outside auditors discuss
          the clarity of the company's disclosures.

     -    Requiring a disclosure to shareholders to disclose whether the audit
          committee:

          1.   discussed with management the quality of the accounting
               principles and significant judgments affecting the company's
               financial statements;

          2.   discussed with the outside and internal auditor the auditors
               assessment of the quality of management's accounting principles
               and judgments;

          3.   discussed among themselves, without the presence of management or
               the outside or internal auditor, the information from (1) and
               (2); and

          4.   believes that the company's financial statements are fairly
               presented in conformity with GAAP.

The above responsibilities of the Audit Committee will be discharged through
review of audit reports and discussions with external auditors, as well as Bank
management.

ADMINISTRATIVE

     -    The Audit Committee will consist of at least two Board members and a
          Chairperson designated by the Board. The process of appointing members
          to the Audit Committee will provide a level of service continuity.

     -    Each committee member shall be independent according to the specified
          criteria in Section 301 of the Sarbanes-Oxley Act of 2002.


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     -    The Audit Committee members will be directly responsible for the
          appointment, compensation, retention, and oversight of the issuer's
          outside and internal auditors, and the outside and internal auditors
          must report directly to the Audit Committee.

     -    The Audit Committee will establish procedures for handling anonymous
          complaints regarding accounting, internal controls and auditing
          matters.

     -    The Audit Committee will have the authority to engage independent
          counsel and other advisors.

     -    CCFNB will provide appropriate funding for the Audit Committee.

     -    The Audit Committee will meet at least four times a year and will have
          the opportunity to meet in executive session with external and
          internal auditors at least annually. Furthermore, the Committee has
          the authority to call additional meetings and has the ability to
          communicate with Senior Management between regularly scheduled
          meetings, as deemed necessary.

     -    Written minutes shall be prepared for each meeting and distributed to
          the full Board of Directors.

     -    Require disclosure to shareholders of whether the Audit Committee has
          adopted a written charter, and if so, whether the committee has
          satisfied its responsibilities during the prior year in compliance
          with the charter. The charter should be disclosed at least triennially
          in the annual report and in the next annual report after any
          significant amendments are made to the charter.

     -    This charter will be reviewed and approved at least annually by the
          Audit Committee. The Audit Committee Charter also will be reviewed and
          approved by the Board of Directors on an annual basis.


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