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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No._____)*
JUNIATA VALLEY FINANCIAL CORP.
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(Name of Issuer)
Voting Common Stock
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(Title of Class of Securities)
482016102
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(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(c)
[_] Rule 13d-1(d)
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CUSIP NO.482016102
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NAMES OF REPORTING PERSONS.
1 I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY).
The Juniata Valley Bank - Trust Dept.
23-0741266
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CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (SEE INSTRUCTIONS)
2 (a) [_]
(b) [_]
Not applicable.
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SEC USE ONLY
3
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CITIZENSHIP OR PLACE OF ORGANIZATION
4 Pennsylvania
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SOLE VOTING POWER
5 162,119.041
NUMBER OF
SHARES -----------------------------------------------------------
SHARED VOTING POWER
BENEFICIALLY 6 1,402.000
OWNED BY
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EACH SOLE DISPOSITIVE POWER
7 162,119.041
REPORTING
PERSON -----------------------------------------------------------
SHARED DISPOSITIVE POWER
WITH 8 1,402.000
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AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
9 163,521.0406
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CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
10 (SEE INSTRUCTIONS)
[_]
Not applicable.
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PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
11 7.31%
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TYPE OF REPORTING PERSON (SEE INSTRUCTIONS)
12 BK
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Page 2 of 3 pages
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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) Address of Principal Business Office or, if none, Residence
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
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Item 3. If this statement is filed pursuant to (S)(S)240.13d-1(b) or
240.13d-2(b) or (c), check whether the 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 a Group
Not applicalbe.
Item 10. Certification
(a) The following certification shall be included if the statement is
filed pursuant to (S)240.13d-1(b):
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.
1/13/00
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Date
/s/ A. Jerome Cook
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Signature
A. Jerome Cook, President and
C.E.O. of The Juniata Valley Bank
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Name/Title
Page 3 of 3 pages
