Citizens & Northern Bank, Wellsboro, Pennsylvania, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.

The counterfeit items display the routing number 031308302, which is assigned to Citizens & Northern Bank. The items have an ornate top border and display the bank's street address below its name in the top-left corner. The word "Dollars" appears on the right side of the items and a "FROM" line appears in the lower-right corner.

Authentic checks have a security feature statement embedded within a darkened top border and display the bank's logo in the top-left corner. The word "AMOUNT" appears on the right side of the checks.

Copies of a counterfeit item and an authentic check (VOID) are attached for your review. Be aware that the appearance of counterfeit items can be modified and that additional variations may be presented.

Any information you have concerning this matter should be brought to the attention of:

Julie Lane
Security Officer and Bank Secrecy Act Administrator
Citizens and Northern Bank
90-92 Main Street
P.O. Box 58
Wellsboro, Pennsylvania 16901
Telephone: (570) 723-2113
Fax: (570) 723-2180
E-mail: JulieL@cnbankpa.com

Information about counterfeit items, cyber-fraud incidents and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section, 550 17th Street, N.W., Room F-4004, Washington, D.C. 20429, or transmitted electronically to alert@fdic.gov. Questions related to federal deposit insurance or consumer issues should be submitted to the FDIC using an online form that can be accessed at http://www2.fdic.gov/starsmail/index.asp.

For your reference, FDIC Special Alerts may be accessed from the FDIC's website at www.fdic.gov/news/news/SpecialAlert/2009/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.

	Sandra L. Thompson
	Director Division of Supervision and Consumer Protection

Attachment (not available electronically)

NOTE: As a security precaution, the FDIC does not post to its Web site electronic images of fraudulent items or authentic checks that have been counterfeited. This is to avoid attempts by others to use these instruments to facilitate additional fraud. Financial institutions can view images of the fraudulent items and authentic checks (marked as VOID) using the FDIC's free, secure Web site, FDICconnect. (See more information about FDICconnect at http://www.fdic.gov/news/news/financial/2006/fil06032.html.) Printed copies of each Special Alert and its attachment(s) may also be obtained from the FDIC's Public Information Center (telephone: 1-877-275-3342 or 703-562-2200; fax: 703-562-2296; or e-mail: publicinfo@fdic.gov).