<TABLE> <S> <C>


<ARTICLE>                                            9
<CIK>                                       0000714712
<NAME>                  Juniata Valley Financial Corp.
<MULTIPLIER>                                     1,000
<CURRENCY>                                  US Dollars

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<EXCHANGE-RATE>                                  1,000
<CASH>                                           9,730
<INT-BEARING-DEPOSITS>                             688
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     41,735
<INVESTMENTS-CARRYING>                          59,276
<INVESTMENTS-MARKET>                            57,648
<LOANS>                                        210,853
<ALLOWANCE>                                      2,509
<TOTAL-ASSETS>                                 331,785
<DEPOSITS>                                     284,799
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,471
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,332
<OTHER-SE>                                      40,183
<TOTAL-LIABILITIES-AND-EQUITY>                 331,785
<INTEREST-LOAN>                                  4,552
<INTEREST-INVEST>                                1,360
<INTEREST-OTHER>                                    34
<INTEREST-TOTAL>                                 5,946
<INTEREST-DEPOSIT>                               2,766
<INTEREST-EXPENSE>                               2,785
<INTEREST-INCOME-NET>                            3,161
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,058
<INCOME-PRETAX>                                  1,388
<INCOME-PRE-EXTRAORDINARY>                       1,388
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,028
<EPS-BASIC>                                        .46
<EPS-DILUTED>                                      .46
<YIELD-ACTUAL>                                    7.61
<LOANS-NON>                                         88
<LOANS-PAST>                                       636
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    782
<ALLOWANCE-OPEN>                                 2,486
<CHARGE-OFFS>                                       23
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                2,509
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>