EXHIBIT 99.1
 CCFNB BANCORP, INC. AND SUBSIDIARY
AUDIT COMMITTEE CHARTER
 October 28, 2008
 Objective
  Responsibilities
  
    
    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 FDIC, Pennsylvania Department of Banking and The Federal Reserve
Bank.
    
    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, actively engaging
in a dialogue with the auditor with respect to any disclosed relationships or services that
may impact the objectivity and independence of the auditor, and taking 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, requiring 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); and4.
    
    believed that the companys financial statements are fairly presented in
conformity with GAAP.
  Administrative
 
    
    The Audit Committee will consist of at least two Board members and a Chair-person
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 complaints regarding
accounting, internal controls and auditing matters.
    
    The Audit committee will have the authority to engage independent counsel and other
advisors.
    
    CCFNB Bancorp, Inc. 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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