Document:

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                                                                    EXHIBIT 10.2

                            CITIZENS & NORTHERN BANK

                     SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

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                            CITIZENS & NORTHERN BANK

                     SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

The Sponsor hereby establishes the Plan and Trust for the purpose of providing
retirement benefits to those Employees who constitute key or senior management
of the Employer ("Sponsor").

                                    ARTICLE I
                                   DEFINITIONS

1.01 Board:                The Board of Directors of Citizens & Northern Bank.

1.02 Code:                 The Internal Revenue Code of 1986, as amended, or as
                           it may be amended from time to time.

1.03 Compensation:         All of a Participant's earnings or compensation which
                           is actually paid to him/her during the Plan Year.

1.04 Effective Date:       January 1, 1989.

1.05 Employer:             Citizens & Northern Bank and any subsidiary and/or
                           affiliated corporation which has properly adopted the
                           Pension Plan, except where a specific reference is
                           made to a particular corporation.

1.06 Employee:             An employee of the Employer who is a member of the
                           group which constitutes key or senior management of
                           the Employer.

1.07 Participant:          An Employee participating in the Plan.

1.08 Pension Plan:         The Citizens & Northern Bank Pension Plan.

1.09 Plan:                 The Citizens & Northern Bank Supplemental Executive
                           Retirement Plan.

1.10 Plan Year:            The twelve (12) consecutive month period beginning
                           each January 1 and ending on December 31.

1.11 Administrator:        The administrator appointed to administer the Plan.

1.12 Retirement Date:      The later of age 62 and 5 years participation in the
                           Plan or actual retirement under the Pension Plan.

1.13 Trust Fund:           Any and all assets held under the Plan by the
                           Trustee.

1.14 Trustee:              Citizens & Northern Bank

1.15 Valuation Date:       (a) The last day of each calendar quarter; (b) in the
                           case of a Participant who retires the last business
                           day of the calendar month coincident with or
                           immediately preceding the date of such retirement;
                           and (c) each other date or dates provided by the
                           Employer to the Trustee for the valuation of the
                           Trust.

                                   ARTICLE II
                                   ELIGIBILITY

2.01                       Employees who belong to the group of employees which
                           constitute key or senior management, and their
                           Beneficiaries, shall be eligible to participate in
                           this Plan on the Effective Date. Employees who become
                           members of the eligible class of Employees (i.e. key
                           or senior management) of the Employer shall
                           participate in the Plan at the discretion of the
                           Board.
<PAGE>   3

                                   ARTICLE III
                                  CONTRIBUTIONS

3.01                       The Employer will establish a Trust which will
                           receive, hold and own all contributions made by the
                           Employer to the Plan on behalf of Plan Participants.
                           The Employer will make all contributions to the Plan.

3.02                       The amount of contributions to the Plan shall be
                           determined annually by the Board and shall be subject
                           to the sole discretion of the Board. Contributions
                           shall be limited such that when aggregated with
                           Compensation paid to any one Participant the
                           generally accepted rules of "reasonableness of
                           compensation" will be observed. Thus the amount of
                           Compensation paid during the Plan Year shall not
                           exceed the value of services performed. In
                           determining whether Compensation is "reasonable" the
                           value of the services rendered in earlier years shall
                           be taken into consideration.

                           The test of reasonableness shall be whether the total
                           payments in the current Plan Year plus all
                           Compensation paid in earlier years represents a
                           reasonable allowance for all services rendered up to
                           the end of the current Plan Year.

3.03                       The Employer shall pay all the administrative
                           expenses of the Plan and Trust Fund so long as the
                           Plan and Trust remains in effect except that any
                           expenses directly relating to the investments of the
                           Trust Fund such as brokerage commissions,
                           registration charges etc. shall be paid from Trust
                           assets.

                                   ARTICLE IV
                                    BENEFITS

4.01                       The amount of the benefit payable under the Plan
                           shall be equal to that benefit which can be purchased
                           with the funds in the Participant's account.

4.02                       The benefit payable to or on behalf of a Participant
                           as determined under section 4.01 shall be paid in the
                           form of a single sum.

4.03                       Benefits due under the Plan shall be distributed upon
                           the occurrence of one of the following events:

                           (a)      the Participant's attainment of his/her
                                    Retirement Date
                           (b)      the disability of the Participant;
                           (c)      the death of the Participant; or
                           (d)      the acquisition of the Employer by another
                                    institution.

4.04                       Benefits payable under the Plan shall be paid by the
                           Trustee from Trust Fund assets and charged against
                           the Account maintained with respect to the benefits
                           of such Participant. No payment shall be made from
                           the Trust Fund to or with respect to a Participant to
                           the extent that such payment would exceed the balance
                           then remaining in the Account maintained with respect
                           to the benefits of such Participant.

4.05                       A Participant has the right to designate a
                           Beneficiary to receive any benefits under the Plan
                           because of the death of the Participant before
                           retirement and to change that designation from time
                           to time.

4.06                       The Plan shall provide a death benefit to the
                           Beneficiary of a Participant who dies before reaching
                           his/her Retirement Date. Such benefit shall be equal
                           to the benefit thus accrued under the Plan for such
                           Participant at the time of death.

4.07                       In the event that a Participant incurs a long-term
                           disability, as defined in the Pension Plan, he/she
                           shall be entitled to a benefit equal to the benefit
                           thus accrued under the Plan.
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                                    ARTICLE V
                                TRUST AND TRUSTEE

5.01                       This Trust is established by the Employer for the
                           purpose of accumulating funds to pay benefits under
                           the Plan. Payments from the Trust to Participants or
                           their Beneficiaries shall be in discharge of the
                           Employer's liability under the terms of the Plan to
                           such Participants to the extent such benefits are
                           paid from the Trust.

5.02                       Subject to the provisions of the Plan, this Trust
                           shall be irrevocable. In addition, the Trust Fund
                           shall be subject to the claims of the creditors of
                           the Employer in a bankruptcy or other insolvency
                           proceedings under federal or state law, but shall be
                           maintained for the exclusive purpose of providing
                           benefits to Participants under the Plan.

5.03                       Each Participant's interest in his/her Account
                           maintained in the Trust Fund shall be forfeitable and
                           shall not vest to the Participant until the
                           occurrence of one of the events enumerated in section
                           4.03 of the Plan. Termination of employment before
                           the occurrence of one of these events shall result in
                           the forfeiture of the Participants interest in
                           his/her Account.

5.04                       It is intended that the Trust constitute a "grantor
                           trust" under Sections 671 through 679 of the Code.
                           The Board shall inform the Trustee, in writing, if
                           the Employer becomes insolvent. When so informed, the
                           Trustee shall immediately suspend payments to
                           Participants and shall hold assets of the Trust Fund
                           for the benefit of the Employer's general creditors.

                           For purposes of this Plan, "general creditor" shall
                           mean an unsecured creditor, irrespective of whether
                           such creditor may by law have a priority claim to
                           distribution of, but not a security interest in,
                           assets of an insolvent debtor's estate.

                           The Employer shall be considered "insolvent" for
                           purposes of this Plan in the event of (a) the
                           Employer's inability to pay debts as they mature; (b)
                           a general assignment for the benefit of the
                           Employer's creditors; c) the voluntary commencement
                           by the Employer of any proceeding under Title II of
                           the United States Code or any other law of any
                           jurisdiction for the relief liquidation or
                           rehabilitation of debtors (i.e. insolvency
                           proceedings); (d) the making of an admission by the
                           Employer of any of the material allegations of or
                           consenting to or acquiescing in a petition,
                           application, motion or complaint commencing an
                           insolvency proceeding or the seeking by the Employer
                           of the appointment of, or the taking of possession
                           by, a receiver, custodian, trustee, liquidation or
                           similar official of or for it or for a substantial
                           part of its assets; (e) the involuntary commencement
                           of an insolvency proceeding against the Employer
                           which is not fully stayed, timely controverted or
                           dismissed within 120 days after the filing thereof,
                           or (f) the appointment or taking of possession by a
                           receiver, custodian, trustee, liquidator or similar
                           official of or for the Employer or of or for a
                           substantial part of its assets.

5.05                       If the Trustee suspends benefit payments and
                           subsequently resumes such payments, the first payment
                           to a Participant following such discontinuance shall
                           include the aggregate amount of all benefit payments
                           which would have been made to such Participant during
                           the period of such discontinuance, less the aggregate
                           amount of payments made to such Participant by the
                           Employer, in lieu of payments from the Trust Fund,
                           during any such period of discontinuance.

5.06                       The Trustee shall receive, hold, invest, administer
                           and distribute the assets of the Trust Fund in
                           accordance with the provisions of the Plan.

5.07                       The Trustee shall maintain accurate and detailed
                           records and accounts of all transactions of the Plan,
                           which shall be available for inspection or audit
                           during regular business hours.

5.08                       Except as otherwise provided in the Plan, the income
                           and profits of the Trust Fund shall be accumulated
                           and added to the principal of the Trust Fund and
                           invested and reinvested therewith as a single fund.
                           The Trustee is authorized to invest the assets of the
                           Trust Fund in such bonds, notes, debentures,
                           mortgages, certificates, the stock of the Employer,
                           preferred or common stock or such other property,
                           real or personal, within the United States. The
                           Trustee in its discretion may hold in cash such
                           portion of the Trust Fund as shall be reasonable
                           under the prevailing circumstances, pending
                           investment or payment of expenses or distribution of
                           benefits. Such investments must be sufficiently
                           diversified or insured or otherwise guaranteed to
                           minimize the risk of large losses.
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5.09                       Notwithstanding any other provision of this Plan, all
                           or a part of the assets may be invested in a
                           collective or common trust fund or pooled investment
                           fund presently or hereafter maintained by the Trustee
                           as the same may be amended from time to time, and the
                           Declaration of Trust establishing such collective or
                           common fund is hereby made a part hereof as if set
                           forth at length herein. The assets of the Trust Fund
                           invested in said collective or common trust shall be
                           held and administered by the Trustee strictly in
                           accordance with the terms of the instrument creating
                           such trust and the combining of assets of the Trust
                           with assets of other trusts in such collective or
                           common trust fund is specifically authorized hereby;
                           provided, however, that prior to investing any
                           portion of the Trust in such collective or common
                           trust for the first time the Trustee shall obtain the
                           written permission of the Employer.

5.10                       The Trustee may consult with legal counsel, who may
                           be counsel for the Employer, in respect to any of its
                           rights, duties or obligations under the Plan and
                           Trust Fund.

5.11                       Where more than one individual Trustee is appointed,
                           the right to make any decision or undertake any
                           action shall be a joint responsibility of all
                           Trustees except that the Employer may designate any
                           one of the Trustees to act on behalf of all of the
                           Trustees in the execution of any documents affecting
                           the Trust.

                           No single Trustee shall be liable for any loss
                           resulting from the acts or omissions of another
                           Trustee to whom specific responsibilities,
                           obligations or duties have been delegated by the
                           Employer or by agreement among all of the Trustees,
                           except where a Trustee knowingly participates in or
                           conceals a fiduciary breach of duty of another
                           Trustee or having knowledge of such breach, does not
                           take reasonable measures under the circumstances to
                           remedy such breach, or enables another Trustee to
                           constitute a breach by failure to carry out his or
                           her own responsibilities with the reasonable care,
                           skill, prudence and diligence of individuals familiar
                           with such matters.

  5.12                     All reasonable costs, charges and expenses incurred
                           by the Trustee in connection with the administration
                           of the Trust Fund and all reasonable costs, charges
                           and expenses incurred by the Administrator in
                           connection with the administration of the Plan
                           (including fees for legal services rendered to the
                           Trustee or Administrator) shall be paid by the
                           Employer. The Trustee and Administrator may be paid
                           such reasonable compensation as may be agreed upon
                           from time to time between the Employer, Trustee and
                           Administrator.

5.13                       The Trustee shall have the following powers, rights
                           and duties in addition to those delegated to it
                           elsewhere in the Plan or by law:

                          (a)       To sell, convey, transfer, exchange,
                                    partition, mortgage, pledge or otherwise
                                    deal with or dispose of any asset of the
                                    Trust Fund in such manner, for such
                                    consideration and upon such terms and
                                    conditions as the Trustee, in its
                                    discretion, shall determine;

                           (b)      To retain, manage, invest, improve, operate
                                    and control any assets of the Trust Fund;

                           (c)      To employ such agents and counsel as may be
                                    reasonably necessary in collecting,
                                    managing, administering, investing,
                                    distributing and protecting the Trust Fund
                                    of the assets thereof and to pay them
                                    reasonable compensation;

                           (d)      To settle, compromise or abandon all claims
                                    and demands in favor of or against the Trust
                                    Fund;

                           (e)      To organize and incorporate (or participate
                                    in the organization or incorporation of)
                                    under the laws of any state, a corporation
                                    for the purpose of acquiring the holding
                                    title to any property which the Trustee is
                                    authorized to acquire for the Trust Fund and
                                    to exercise with respect thereto any of the
                                    powers, rights and duties it has with
                                    respect to other assets of the Trust Fund;

                           (f)      To cause title to the assets of the Trust
                                    Fund to be held in the name of the Trustee,
                                    in bearer form so that title will pass by
                                    delivery or in any other manner authorized
                                    by the laws of the State of Incorporation of
                                    the Trustee, if a corporate trustee, or the
                                    state of residence, if an unincorporated
                                    trustee, provided that the records of the
                                    Trustee shall indicate the true ownership of
                                    such assets; and
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                          (g)       To exercise any of the powers and rights of
                                    an individual owner with respect to any
                                    property of the Trust Fund and to do all
                                    other acts in its judgment necessary or
                                    desirable for the proper administration of
                                    the Trust Fund.

5.14                       The Trustee shall be protected in acting upon any
                           notice, direction, certificate or other paper or
                           document believed by the Trustee to be genuine and to
                           have been executed by a Participant or by the
                           employer or a duly authorized person or persons
                           representing the Employer.

5.15                       The Trustee may resign at any time upon sixty days'
                           notice, in writing, to the Employer. The Trustee may
                           be removed by the Employer at any time upon sixty
                           days' notice, in writing, to the Trustee. Upon such
                           resignation or removal the Employer shall appoint a
                           successor Trustee who shall have the same powers and
                           duties as those conferred upon the Trustee hereunder.

5.16                       The Trustee will maintain a separate Account for each
                           Employee to which will be credited the Employer
                           contributions and earnings thereon. As of each
                           Valuation Date the Trustee shall value each
                           Participant's Account as follows:

                          (a)       As of each Valuation Date, or more
                                    frequently, any increases or decreases in
                                    the fair market value of the Trust Fund
                                    since the last adjustment and all income of
                                    the Trust Fund for such period shall be
                                    credited to or deducted from the Account of
                                    a Participant in the ratio that such Account
                                    bears to all Accounts.

                          (b)       As of each Valuation Date the Accounts of
                                    all Participants shall be adjusted to
                                    reflect the effects of income, realized and
                                    unrealized gains and losses and expenses.

                          (c)       In order to determine the increase or
                                    decrease in the fair market value of the
                                    Trust Fund, the market value of the Trust
                                    assets there shall be subtracted therefrom:

                                    (i)   the amount of any Employer
                                          contributions which have been made to
                                          the Trust Fund for that Plan Year; and

                                    (ii)  the amount of any benefits which are
                                          due but not yet paid.

                          (d)       Credits or deductions to a Participant's
                                    Account shall be deemed to have been made on
                                    the date to which they are related although
                                    actually determined on some later date.
                                    Distributions to a Participant or
                                    Beneficiary shall be based on the Valuation
                                    Date coincident with or preceding the date
                                    of payment.

                                   ARTICLE VI
                                 ADMINISTRATION

6.01                       The Administrator shall have such powers and duties
                           as are necessary for the proper administration of the
                           Plan, including, but not limited to, the power to
                           make decisions with respect to the application and
                           interpretation of the Plan.

6.02                       The Administrator shall be entitled to rely on the
                           advice or opinion of any consultant, accountant or
                           attorney and such persons may also act in their
                           respective professional capacities as advisors to the
                           Employer.

6.03                       Subject to the limitations contained in the Plan, the
                           Administrator shall be empowered from time to time,
                           at its discretion, to establish rules for the
                           transaction of its business and for the
                           administration of the Plan.

6.04                       The Administrator shall provide written instructions
                           to the Trustee with respect to all payments which
                           become due under the terms of the Plan and shall
                           direct the Trustee to make such payments from the
                           Trust Fund. The Trustee shall act and shall be fully
                           protected in acting in accordance with such orders,
                           requests and instructions.

6.05                       The Administrator shall be responsible for filing any
                           returns, reports or documents with the various
                           government agencies, such as the Internal Revenue
                           Service as required by law or the regulations and
<PAGE>   7

                           not filed by the Trustee. In addition, the
                           Administrator shall also be responsible for providing
                           communication to Employees and Participants as
                           required by law or the regulations.

6.06                       The Administrator shall maintain, and furnish the
                           Trustee with, such reports, documents and information
                           as shall be required by the Trustee to carry out its
                           obligations under this Plan, including, but not
                           limited to, written reports setting forth the
                           identity of Participants with respect to whose
                           benefits contributions are made to the Trust and the
                           amount of such contributions. In addition, the
                           Administrator shall maintain, and furnish to
                           Participants and the various federal agencies, such
                           reports, documents and information as is required by
                           the reporting and disclosure provisions of ERISA.

6.07                       Upon the occurrence of one of the events enumerated
                           in section 4.03 of the Plan, the Administrator, on
                           behalf of such Participant, shall furnish the Trustee
                           with a written certification which includes the
                           amount of the Participant's benefits, the present
                           value of such benefits and, if applicable, the
                           identity of the Participant's Beneficiary and the
                           specific conditions under which benefits shall become
                           payable to such Beneficiary.

6.08                       Claims: The Administrator shall make each claim
                           determination in a uniform and non-discriminatory
                           manner. Within 90 days after the receipt of the claim
                           b the Administrator, the Administrator shall either
                           grant the claim, deny the claim, or notify the
                           Participant, former Participant, or Beneficiary,
                           (hereafter "Claimant") that special circumstances
                           have required an extension of time for the processing
                           of the claim; such extension not to exceed 180 days
                           from the original notice.

                           Within 30 days after denial of any benefit under the
                           Plan, the Administrator shall give to the Claimant
                           written notice by certified mail, directed to his or
                           her last a address of record with the Administrator,
                           of the denial of claim for benefits. The notice shall
                           set forth the specific reason for such denial, shall
                           make specific reference to Plan provisions upon which
                           the denial is based, shall describe any additional
                           material or information necessary for the Claimant to
                           perfect his or her claim and why such material is
                           necessary, and shall advise the Claimant that he or
                           she may file a written appeal of the determination
                           with the Administrator within 60 days after receipt
                           of such notice. In connection with such appeal, the
                           Claimant or his or her duly authorized representative
                           may preview pertinent documents and submit issues and
                           comments in writing. Failure of the Claimant to file
                           a written appeal with the Administrator within the
                           allowable 60-day period shall constitute an
                           irrevocable consent by the Claimant to the
                           Administrator's decision denying the benefit claimed,
                           and the Administrator's written notice shall so
                           state.

                           Within 60 days after the filing of the appeal, the
                           Administrator shall notify the Claimant either as to
                           the decision on the appeal or that special
                           circumstances require an extension of time for
                           processing; such extension not to exceed 120 days
                           from the date of the filing of the appeal. If neither
                           the decision nor a notice of extension is furnished
                           within the 60-day period, the claim shall be deemed
                           to be denied on appeal.

                           All notices under this section shall be written in a
                           manner calculated to be understood by Claimant.

                                   ARTICLE VII
                            AMENDMENT AND TERMINATION

7.01                       While it is the intention of the Employer that this
                           Plan should be permanent and continue to operate, the
                           Employer reserves the right to terminate the Plan and
                           the Trust, at any time, at its discretion, subject to
                           the approval and consent of the Board.

7.02                       The Employer reserves the right to amend the Plan and
                           the Trust agreement at any time, and from time to
                           time, by appropriate action of the Board and delivery
                           of a certified copy of the amendment to the
                           Administrator and/or the Trustee. However, no
                           amendment shall have the effect of increasing or
                           decreasing, or otherwise altering, the duties of the
                           Trustee without the consent, in writing, of the
                           Trustee.
<PAGE>   8
                                  ARTICLE VIII
                                  MISCELLANEOUS

8.01                       The Trust is created and accepted in the Commonwealth
                           of Pennsylvania. All questions pertaining to the
                           validity or construction of the Trust agreement and
                           the acts and transactions of the parties hereto and
                           their respective successors shall be determined in
                           accordance with the laws of that Commonwealth, except
                           as to matters governed by federal law.

8.02                       Nothing contained in this Plan and this Trust
                           agreement shall create, or be construed or
                           interpreted to create, any new or additional
                           obligations on the part of the Employer to retain any
                           person in its employ or interfere in any way with the
                           light of the Employer to discharge any Employee.

8.03                       Should any provision of this Plan or Trust agreement
                           be determined by a court of competent jurisdiction to
                           be unlawful or unenforceable, such determination
                           shall not adversely affect the remaining provisions
                           of this Plan and Trust agreement, unless it shall
                           make impossible the maintenance or operation of the
                           Plan and the Trust for its intended purpose. To the
                           extent any provision of this Plan and Trust agreement
                           is determined to be unlawful or unenforceable, this
                           Plan and Trust agreement shall be construed to be
                           carried out to the fullest extent possible in a
                           lawful and enforceable manner.

8.04                       This Plan and Trust agreement may be executed in any
                           number of counterparts, each of which shall be
                           considered an original and said counter parts shall
                           constitute but one and the same instrument.

8.05                       The Plan at all times shall be entirely unfunded and
                           no provision shall at any time be made with respect
                           to segregating any assets of the Employer for payment
                           of benefits hereunder. No Participant, Beneficiary or
                           any other person shall have any interest in any
                           particular assets of the Employer by reason of the
                           right to receive a benefit under the Plan and any
                           such Participant, Beneficiary or other person shall
                           have the rights of a general creditor of the Employer
                           with respect to any rights under the Plan. Nothing
                           contained in the Plan shall constitute a guarantee by
                           the Employer or any other entity or person that the
                           assets of the Employer will be sufficient to pay any
                           benefit hereunder.

8.06                       The Employer shall from time to time pay taxes of any
                           and all kinds whatsoever which at any time are
                           lawfully levied or assessed upon or become payable in
                           respect of the Trust Fund, the income or any property
                           forming a part thereof, or any security transaction
                           pertaining thereto. To the extent that any taxes
                           levied or assessed upon the Trust Fund are not paid
                           by the Employer, the Trustee shall pay such taxes out
                           of the Trust Fund. In addition, the Trustee shall
                           deduct from each payment under this Plan any federal,
                           state or local withholding or other taxes or charges
                           which the Trustee may be required to deduct under
                           applicable law; provided, however, that the Trustee
                           shall be fully protected in relying upon information
                           provided by the Employer as to state or local tax
                           withholding requirements.

8.07                       No benefit payable under the Plan shall be subject in
                           any manner to anticipation, alienation, sale,
                           transfer, assignment, pledge, encumbrance or charge
                           prior to actual receipt thereof by the payee. Any
                           attempt to do so shall be void and the Employer shall
                           not be liable for or subject to the debts, contracts,
                           liabilities or torts of any person entitled to any
                           benefit under the Plan.

IN WITNESS WHEREOF, the individuals have hereunto set their hands and have
caused this instrument to be executed by the Employer and the Trustee.

                                                CITIZENS & NORTHERN BANK

Employer

Date: 12/21/89                                  William K. Francis /s/
      --------                                  ----------------------
                                                President/CEO

Trustee(s)

Date: 12/21/89                                  Thomas L. Briggs /s/
      --------                                  --------------------
                                                Trust Officer<PAGE>   1
                                                                 EXHIBIT 10.2(a)

                      AMENDMENT#1
                      TO THE
                      CITIZENS & NORTHERN BANK
                      SUPPLEMENTAL EXECUTIVE
                      RETIREMENT PLAN

As authorized by Section 7.02 of the Citizens & Northern Bank Supplemental
Executive Retirement Plan ("Plan") as effective January 1, 1989, the employer,
Citizens & Northern Bank, hereby amends the Plan in the following manner:

FIRST: Section 4.02 is amended to wholly rescind the ability of a participant to
receive a single sum benefit payment upon eligibility to receive a distribution
and to provide in place of such payment a right to receive an annuity purchased
with the funds in the Participant's account in accordance with Section 4.01. As
amended, Section 4.02 shall read as follows:

4.02     The benefit payable to or on behalf of a Participant as determined
         under section 4.01 shall only be paid in the form of an annuity. The
         type of annuity shall be determined at the time of the distributable
         event by the election of the Participant. In the case of a death
         benefit payment under section 4.06, the designated beneficiary shall
         elect the type of annuity payment as if he/she were the Participant.

SECOND: This amendment is made effective as of the date of its adoption.

THIRD: All other provisions of the Plan remain in full force and effect.

Executed this 21st day of September , 2000 by the duly authorized agent of
Citizens & Northern Bank.

                      TITLE:  Chairman, President & CEO
                              -------------------------

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