<PAGE>
-----------------------------------------
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
-----------------------------------------
SCHEDULE 13G
CURRENT REPORT
UNDER THE SECURITIES EXCHANGE ACT OF 1934
-----------------------------------------
JUNIATA VALLEY FINANCIAL CORP.
-------------------------------------------------------------
(Name of Issuer)
Voting Common Stock
-----------------------------------
(Title of Class of Securities)
482016102
-----------
(CUSIP Number)
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
X RULE 13D-1(B)
---
RULE 13D-1(B)
---
RULE 13D-1(B)
---
<PAGE>
CUSIP NO. 482016102
---------
1. NAMES OF REPORTING PERSONS.
I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY).
The Juniata Valley Bank - Trust Dept.
23-0741266
2. CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (SEE INSTRUCTIONS).
Not applicable.
3. SEC USE ONLY.
----------------------------------------------------------
4. CITIZENSHIP OR PLACE OF ORGANIZATION. Pennsylvania.
NUMBER OF 5. SOLE VOTING POWER 156,421.196
-----------
SHARES BENE- 6. SHARED VOTING POWER 7,303.000
-----------
FICIALLY 7. SOLE DISPOSITIVE POWER 156,421.196
-----------
OWNED BY EACH 8. SHARED DISPOSITIVE POWER 7,303.000
-----------
REPORTING
PERSON WITH:
9. AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
163,724.196
-----------------------------------------------------------------------
10. CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES
Not applicable.
11. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9) 7.04%
---------------------
12. TYPE OF REPORTING PERSON (SEE INSTRUCTIONS) BK
---------------------------
PAGE 2 OF 3 PAGES
-2-
<PAGE>
ITEM 1.
(A) NAME OF ISSUER. Juniata Valley Financial Corp.
(B) ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES.
Bridge and Main Streets, Mifflintown, PA 17059.
ITEM 2.
(A) NAME OF PERSON FILING. See Row 1, page 2 of Cover Page.
(B) ADDRES OF PRINCIPAL BUSINESS OFFICE. Bridge and Main Streets,
Mifflintown, PA 17059.
(C) CITIZENSHIP. See Row 4, page 2 of Cover Page.
(D) TITLE OF CLASS OF SECURITIES. Voting common stock.
(E) CUSIP NUMBER. 482016102
---------
ITEM 3. IF THIS STATEMENT IS FILED PURSUANT TO (S)240.13D-(B) ... CHECK WHETHER
PERSON FILING IS A:
(B) X BANK AS DEFINED IN SECTION 3(A)(6) OF THE ACT (15 U.S.C. 78C).
--
ITEM 4. OWNERSHIP. See Rows 5 through 11 on page 2 of Cover Page.
ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS. Not applicable.
ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON. Not
applicable.
ITEM 7. IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED THE
SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY. Not
applicable.
ITEM 8. IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP. Not
applicable.
ITEM 9. NOTICE OF DISSOLUTION OF GROUP. Not applicable.
ITEM 10. CERTIFICATION.
(A) By signing below I certify that, to the best of my knowledge and
belief, the securities referred to above were acquired and are held in the
ordinary course of business and were not acquired and are not held for the
purpose of or with the effect of changing or influencing the control of the
issuer of the securities and were not acquired and are not held in connection
with or as a participant in any transaction having that purpose or effect.
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete and
correct.
2/4/99
--------------------------------
Date
/s/ A. Jerome Cook
--------------------------------
Signature
A. Jerome Cook, President and
C.E.O. of The Juniata Valley Bank
