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                                   EXHIBIT 99A

                               CCFNB BANCORP, INC.
                      COLUMBIA COUNTY FARMERS NATIONAL BANK

                         CHARTER OF THE AUDIT COMMITTEE
                              AS OF APRIL 30, 2003

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.