Citizens Financial Services, Inc. is a bank holding company. The Company is engaged in the ownership and management of its subsidiary Acquisition Company, LLC (CZFS), First Citizens Insurance Agency, Inc., and 1st Realty of PA LLC. The Company operates its business through its subsidiary First Citizens Community Bank (FCCB). FCCB is a full-service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; residential, commercial, and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services. FCCB operates approximately 31 offices in Pennsylvania, Delaware, and New York.