----------------------
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
----------------------
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15 (D) OF
THE SECURITIES EXCHANGE ACT OF 1934
-----------------------------------
Date of Report (Date of earliest event reported) February 18, 2004
JUNIATA VALLEY FINANCIAL CORP.
------------------------------
(Exact Name of Registrant as Specified in its Charter)
Pennsylvania 00013232 23-2235254
-----------------------------------------------------------------------------
(State or other jurisdiction of (Commission (I.R.S. Employer
incorporation or organization) File Number) Identification No.)
Bridge and Main Streets, P.O. Box 66, Mifflintown, Pennsylvania 17059
-----------------------------------------------------------------------------
(Address of principal executive offices) (Zip Code)
FRANCIS J. EVANITSKY
PRESIDENT & C.E.O.
JUNIATA VALLEY FINANCIAL CORP.
Bridge & Main Streets
Mifflintown, PA 17059
---------------------
(Address of executive offices)
Copies to:
JAMES A. ULSH, ESQUIRE
METTE, EVANS & WOODSIDE
3401 N. Front St., P.O. Box 5950
Harrisburg, PA 17110-0950
Telephone No. (717) 232-5000
(717) 436-8211
--------------
(Telephone No., including area code, of agent for service)
Item 5. Other Events
On February 18, 2004, Juniata Valley Financial Corp. issued a press release
reporting year end financial results. The aforementioned is attached as an
exhibit to this current report on Form 8-K.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
Juniata Valley Financial Corp.
------------------------------
(Registrant)
Date: February 18, 2004
----------------------------------------
Francis J. Evanitsky, President & C.E.O.
EXHIBIT INDEX
Exhibit No. 99 Description
-----------------------------------------
Press Release of Juniata Valley Financial Corp.
dated February 18, 2004.