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The purpose of this amendment is to add Exhibit 27 -
"Financial Data Schedules" to the report dated March 31, 1995.
Part II. Other Information
Item 1.Legal Proceedings
None
Item 2.Changes in Securities
None
Item 3.Defaults Upon Senior Securities
Not applicable
Item 4.Submission of Matters to a Vote of Security Holders
Not applicable
Item 5.Other Information
None
Item 6.Exhibits and Reports on Form 8-K
(a) Reports on Form 8-K
None
(b) Exhibits
(27) Financial Data Schedules
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 thereunto duly authorized.
Juniata Valley Financial
Corp.
(Registrant)
Date______________________________ By______________________________
A. Jerome Cook, President
Date______________________________ By______________________________
Linda L. Engle, Treasurer
<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> MAR-31-1995
<CASH> 5,831
<INT-BEARING-DEPOSITS> 20
<FED-FUNDS-SOLD> 4,500
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 12,069
<INVESTMENTS-CARRYING> 44,363
<INVESTMENTS-MARKET> 43,671
<LOANS> 123,316
<ALLOWANCE> 1,560
<TOTAL-ASSETS> 194,023
<DEPOSITS> 168,035
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,885
<LONG-TERM> 0
<COMMON> 891
0
0
<OTHER-SE> 22,212
<TOTAL-LIABILITIES-AND-EQUITY> 194,023
<INTEREST-LOAN> 2,758
<INTEREST-INVEST> 764
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 3,548
<INTEREST-DEPOSIT> 26
<INTEREST-EXPENSE> 1,527
<INTEREST-INCOME-NET> 2,021
<LOAN-LOSSES> 45
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,394
<INCOME-PRETAX> 718
<INCOME-PRE-EXTRAORDINARY> 524
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 524
<EPS-PRIMARY> .59
<EPS-DILUTED> .59
<YIELD-ACTUAL> 7.77
<LOANS-NON> 649
<LOANS-PAST> 198
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,223
<ALLOWANCE-OPEN> 1,523
<CHARGE-OFFS> 8
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,560
<ALLOWANCE-DOMESTIC> 45
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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