<PAGE>

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 10-K/A

[x]   ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
      ACT OF 1934

For the fiscal year-ended December 31, 2004

[ ]   TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
      ACT OF 1934 [NO FEE REQUIRED]

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, Pennsylvania              17815
(Address of principal executive offices)               (Zip Code)

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

Securities registered pursuant to Section 12(b) of the Act: None

Securities registered pursuant to Section 12(g) of the Act: Common Stock, par
value $1.25 per share.

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

            Indicate by check mark if disclosure of delinquent filers pursuant
to Item 405 of Regulation S-K is not contained herein, and will not be
contained, to the best of Registrant's knowledge, in definitive proxy or
information statements incorporated by reference in Part III of this Form 10-K
or any amendment to this Form 10-K. [ ]

            Indicate by check mark whether the Registrant is an accelerated
filer (as defined in Rule 12b-2 of the Act). Yes [ ] No [X]


            The aggregate market value of the voting and non-voting common
equity held by non-affiliates of the Registrant based on the average of the bid
and asked prices of $27.28 at February 28, 2005, was $34,484,184.

            As of February 28, 2005, the Registrant had outstanding 1,264,083
shares of its common stock, par value $1.25 per share.

                                  Page 1 of 12
                             Exhibit Index on Page 8

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                               CCFNB BANCORP, INC.
                                   FORM 10-K/A

This amendment to our annual report for the year ended December 31, 2005 is the
result of a staff review by the Division of Corporation Finance which requested
clarification of the date of the evaluation of the effectiveness of our
disclosure controls and procedures. Moreover, the staff review requested that we
revise our discussion of controls and procedures for our quarterly report for
the period ended 31 March 2005 which we have also done and filed with the
Commission. This amendment to our Form 10-K contains a revision to Item 9A,
relating to controls and procedures.

                                       2

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                               CCFNB BANCORP, INC.
                                   FORM 10-K/A

                                      INDEX

<TABLE>
<CAPTION>
                                                                                         Page
                                                                                         ----
<S>                                                                                      <C>
ITEM 9A. CONTROLS AND PROCEDURES......................................................     4
ITEM 15. EXHIBITS, FINANCIAL STATEMENTS, SCHEDULES AND REPORTS ON FORM 8-K............     5
SIGNATURES............................................................................     6
INDEX TO EXHIBITS.....................................................................     8
</TABLE>

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ITEM 9A. CONTROLS AND PROCEDURES

EVALUATION OF OUR DISCLOSURE CONTROLS AND INTERNAL CONTROLS. We evaluated the
effectiveness of the design and operation of our "disclosure controls and
procedures" (Disclosure Controls), and our "internal controls and procedures for
financial reporting" (Internal Controls). This evaluation (the Controls
Evaluation) was done under the supervision and with the participation of
management, including our Chief Executive Officer (CEO) and Chief Financial
Officer (Treasurer). Rules adopted by the SEC require that, in this section of
this report, we present the conclusions of the CEO and the Treasurer about the
effectiveness of our Disclosure Controls and Internal Controls as of December
31, 2004.

CEO AND CFO CERTIFICATIONS. Appearing at Exhibits 31.1, 31.2, 32.1 and 32.2 of
this amended report are two separate forms of "Certifications" for each of the
CEO and the Treasurer. This section of this amended report which you are
currently reading is the information concerning the Controls Evaluation referred
to in the Section 302 Certification and this information should be read in
conjunction with the Section 302 Certification for a more complete understanding
of the topics presented.

DISCLOSURE CONTROLS AND INTERNAL CONTROLS. Disclosure Controls are procedures
that are designed with the objective of ensuring that information required to be
disclosed in our reports filed under the Securities Exchange Act of 1934
(Exchange Act), such as this amended report, is recorded, processed, summarized
and reported within the time periods specified in the Commission's rules.
Disclosure Controls are also designed with the objective of ensuring that such
information is accumulated and communicated to our management, including the CEO
and Treasurer, as appropriate, to allow timely decisions regarding required
disclosure.

Our Company has created a disclosure committee. The committee consists of ten
key management personnel. The purpose of the committee is to verify that all
internal controls and procedures are in place in each area of authority. Whistle
Blowing procedures have been put in place and communicated to all directors and
employees. The disclosure committee meets quarterly before each quarter end.

We design Internal Controls procedures with the objective of providing
reasonable assurance that: (1) our transactions are properly authorized; (2) our
assets are safeguarded against unauthorized or improper use; and (3) our
transactions are properly recorded and reported, all to permit the preparation
of our financial statements in conformity with generally accepted accounting
principals.

LIMITATIONS ON THE EFFECTIVENESS OF CONTROLS. Our management, including the CEO
and Treasurer, does not expect that our Disclosure Controls or our Internal
Controls will prevent all error or all fraud. A control system, no matter how
well conceived and operated, can provide only reasonable, not absolute,
assurance that the objectives of the control system are met. Further, the design
of a control system must reflect the fact that there are resource constraints,
and the benefits or controls must be considered relative to their costs. Because
of the inherent limitations in all control systems, no evaluation of controls
can provide absolute assurance that all control issues and instances of fraud,
if any, within our company and the Bank have been detected. These inherent
limitations include the realities that judgments in decision-making can be
faulty, and that breakdowns can occur because of simple error or mistake.
Additionally, controls can be circumvented by the individual acts of some
persons, by collusion of two or more people, or by management override of the
control The design of any system of controls also is based in part upon certain
assumptions about the likelihood of future events, and there can be no assurance
that any design will succeed in achieving its stated goals under all potential
future conditions; over time, a control system may become inadequate because of
changes in conditions, or the degree of compliance with the policies and
procedures may deteriorate. Because of the inherent limitations in a
cost-effective control system, misstatements due to error or fraud may occur and
not be detected.

SCOPE OF THE CONTROLS EVALUATION. The CEO and Treasurer evaluation of our
Disclosure Controls and Internal Controls included a review of such controls'
objectives and design, such control's implementation by us and the Bank and the
effect of these controls on the information generated for use in this amended
report. In the course of the Controls Evaluation, we sought to identify data
errors, controls problems or acts of fraud and to confirm that appropriate
corrective action, including process improvements, were being undertaken. This
type of evaluation will be done on a quarterly basis so that the conclusions
concerning controls effectiveness can be reported in our Quarterly Reports on
Form 10-Q and Annual Reports on Form 10-K. Our Internal Controls are also
evaluated on an ongoing basis by our Outside Internal Auditors, by other
personnel in the Bank and by our external independent auditors in connection
with their audit and review activities. The overall goals of these various
evaluation activities are to monitor our Disclosure Controls and Internal
Controls and to make modifications as necessary. Our intent in this regard is
that the Disclosure Controls and Internal Controls will be maintained as dynamic
systems that change (including with improvements and corrections) as conditions
warrant.

Among other matters, we sought in our evaluation to determine whether there were
any "significant deficiencies" or "material weaknesses" in our and the Bank's
Internal Controls, or whether we had identified any acts of fraud involving
personnel who have a significant role in our and the Bank's Internal Controls.
This information was important both for the Controls Evaluation generally and

                                       4

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because items 5 and 6 in the Section 302 Certifications of the CEO and Treasurer
require that the CEO and Treasurer disclose that information to our Board's
Audit Committee and to our independent auditors and to report on related matters
in this section of our Annual Report, as amended. In the professional auditing
literature, "significant deficiencies" are referred to as "reportable
conditions"; these are control issues that could have a significant adverse
effect on the ability to record, process, summarize and report financial data in
the financial statements. A "material weakness" is defined in the auditing
literature as a particularly serious reportable condition where the internal
control does not reduce to a relatively low level the risk that misstatements
caused by error or fraud may occur in amounts that would be material in relation
to the financial statements and not be detected within a timely period by
employees in the normal course of performing their assigned functions. In
addition, we sought to deal with other controls matters in the Controls
Evaluation, and in each case if a problem was identified, we considered what
revision, improvement and/or correction to make in accord with our on-going
procedures.

In accord with Commission requirements, the CEO and Treasurer note that, as of
December 31, 2004, there have been no significant changes in Internal Controls
or in other factors that could significantly affect Internal Controls, including
any corrective actions with regard to significant deficiencies and material
weaknesses.

CONCLUSIONS. Based upon the Controls Evaluation, our CEO and Treasurer have
concluded that, as of December 31, 2004, subject to the limitations noted above,
our Disclosure Controls are effective to ensure that material information
relating to CCFNB Bancorp, Inc. and its consolidated subsidiaries is made known
to management, including the CEO and Treasurer, particularly during the period
when our Exchange Act periodic reports are being prepared, and that our Internal
Controls are effective as of December 31, 2004, to provide reasonable assurance
that our financial statements are fairly presented in conformity with generally
accepted accounting principles.

ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

(c)   Exhibits required by Item 601 of Regulation S-K:

<TABLE>
<CAPTION>
Exhibit Number Referred to
Item 601 of Regulation SK                           Description of Exhibit
---------------------------       ----------------------------------------------------------
<S>                               <C>
              2                                             None.
              3                                             None.
              4                                             None.
              9                                             None.
             10                                             None.
             11                                             None.
             12                                             None.
             14                                        Code of Ethics*
             16                                             None.
             18                                             None.
             21                             List of Subsidiaries of the Company.*
             22                                             None.
             23                     Consent of Independent Certified Public Accountants.*
             24                                             None.
           31.1                        CEO certification pursuant to Section 302 of the
                                            Sarbanes-Oxley Act of 2002, as amended
           31.2                     Principal Financial Officer certification pursuant to
                                      Section 302 of the Sarbanes-Oxley Act of 2002, as
                                                           amended
           32.1                    CEO certification pursuant to 18 U.S.C. Section 1350, as
                                    adopted pursuant to Section 906 of the Sarbanes-Oxley
                                                   Act of 2002, as amended
           32.2                     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, as amended
</TABLE>

*Previously filed.

                                       5

<PAGE>

                                   SIGNATURES

      Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant has duly caused this amendment to its
annual report for the year ended December 31, 2005 to be signed on its behalf by
the undersigned, thereunto duly authorized.

CCFNB BANCORP, INC.
     (Bancorp)

By: /s/ Lance O. Diehl                                      Date: August 8, 2005
    -------------------------------------------------
      Lance O. Diehl
      President and Chief Executive Officer

      Pursuant to the requirements of the Securities Exchange Act of 1934, this
amendment to the annual report for the year ended December 31, 2005 has been
signed below by the following persons on behalf of the Registrant and in the
capacities and on the dates indicated.

By: /s/ Edward L. Campbell                                  Date: August 8, 2005
    -------------------------------------------------
      Edward L. Campbell
      Director and Secretary

By: /s/ Robert M. Brewington, Jr.                           Date: August 8, 2005
    -------------------------------------------------
      Robert M. Brewington, Jr.
      Director

By: /s/ Frank D. Gehrig                                     Date: August 8, 2005
    -------------------------------------------------
      Frank D. Gehrig
      Director

By: /s/ Lance O. Diehl                                      Date: August 8, 2005
    -------------------------------------------------
      Lance O. Diehl
      President, Chief Executive Officer and Director

By: /s/ Elwood R. Harding, Jr.                              Date: August 8, 2005
    -------------------------------------------------
      Elwood R. Harding, Jr.
      Director and Vice Chairman of the Board

By: /s/ William F. Hess                                     Date: August 8, 2005
    -------------------------------------------------
      William F. Hess
      Director

                                       6

<PAGE>

By: /s/ Willard H. Kile                                     Date: August 8, 2005
    -------------------------------------------------
      Willard H. Kile, Jr.
      Director

By: /s/ Charles E. Long                                     Date: August 8, 2005
    -------------------------------------------------
      Charles E. Long
      Director

By: /s/ Paul E. Reichart                                    Date: August 8, 2005
    -------------------------------------------------
      Paul E. Reichart
      Director , Chairman of the Board

By: /s/ Virginia D. Kocher                                  Date: August 8, 2005
    -------------------------------------------------
      Virginia D. Kocher
      Treasurer and Assistant Secretary
      (Principal Financial and Accounting Officer)

                                       7

<PAGE>

                                INDEX TO EXHIBITS

<TABLE>
<CAPTION>
Item Number                                  Description                                              Page
-----------   ---------------------------------------------------------------------------             ----
<S>           <C>                                                                                     <C>
   31.1       CEO certification pursuant to Section 302 of the
              Sarbanes-Oxley Act of 2002, as amended.....................................               9

   31.2       Principal Financial Officer certification pursuant to
              Section 302 of the Sarbanes-Oxley Act of 2002, as amended..................              10

   32.1       CEO certification pursuant to 18 U.S.C. Section 1350, as
              adopted pursuant to Section 906 of the Sarbanes-Oxley Act
              of 2002, as amended........................................................              11

   32.2       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, as amended.....................................              12
</TABLE>

                                       8