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Section 1: 10K (FORM 10K)UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT

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Juniata Valley Financial Corp is a financial institution that operates as a bank holding company.

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The purpose of Juniata Valley Financial Corp is to manage financial assets and provide banking services to customers.

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Information such as financial statements, balance sheets, income statements, and cash flow statements must be reported on Juniata Valley Financial Corp forms.