---------------
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON D.C. 20549
---------------
SCHEDULE 13G/A
UNDER THE SECURITIES EXCHANGE ACT OF 1934
(AMENDMENT NO. 4) *
---------------
JUNIATA VALLEY FINANCIAL CORP.
VOTING COMMON STOCK
482016102
December 31, 2003
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
X Rule 13d-1(b)/a
-----
Rule 13d-1(c)
Rule 13d-1(d)
*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act.
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
--------------------------------------------------------------------------------
5. SOLE VOTING POWER 97,036
NUMBER OF ----------------------------------------------------------------
SHARES BENE- 6. SHARED VOTING POWER 1,542
FICIALLY ----------------------------------------------------------------
OWNED BY EACH 7. SOLE DISPOSITIVE POWER 0
REPORTING ----------------------------------------------------------------
PERSON WITH 8. SHARED DISPOSITIVE POWER 0
----------------------------------------------------------------
-------------------------------------------------------------------------------
9. AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
98,578
--------------------------------------------------------------------------------
10. CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES
Not Applicable
--------------------------------------------------------------------------------
11. PERCENT OF CLASS REPRESENTED BY AMOUNT OF ROW (9) 4.32%
--------------------------------------------------------------------------------
12. TYPE OF REPORTING PERSON (SEE INSTRUCTIONS) BK
--------------------------------------------------------------------------------
Page 2 of 3 pages
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.
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 SECTION 240.13D-1(B) OR
240.13D-2(B) OR (C) CHECK WHETHER PERSON FILING IS A:
(B) X BANK AS DEFINED IN SECTION 3(A)(6) OF THE ACT (15U.S.C. 78C).
---
ITEM 4. OWNERSHIP. See rows 5 through 11 of page 2 of Cover Page
ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS. IF THIS STATEMENT IS
BEING FILED TO REPORT THE FACT THAT AS OF THE DATE HEREOF THE
REPORTING PERSON HAS CEASED TO BE THE BENEFICIAL OWNER OF MORE THAN
FIVE PERCENT OF THE CLASS OF SECURITIES, CHECK THE FOLLOWING (X).
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 BY THE PARENT HOLDING COMPANY OR CONTROL
PERSON.
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.
FEBRUARY 12, 2004
-----------------
DATE
/S/ WILLIAM L. BARNETT
----------------------
SIGNATURE
WILLIAM L. BARNETT, SENIOR VICE PRESIDENT
AND TRUST DIVISION MANAGER
THE JUNIATA VALLEY BANK
PAGE 3 OF 3 PAGES