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  <TITLE> Juniata Valley Financial Corp. (Form: 8-K) </TITLE>
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  		UNITED STATES<BR>
  	SECURITIES AND EXCHANGE COMMISSION
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  	WASHINGTON, D.C. 20549
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  	FORM 8-K
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  	CURRENT REPORT
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  	Pursuant to Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934
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  	Date of Report (Date of Earliest Event Reported):
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  	&nbsp;
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  	May 11, 2006
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  	Juniata Valley Financial Corp.
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  <BR>__________________________________________<BR>
  	(Exact name of registrant as specified in its charter)
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  	&nbsp;
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  	Pennsylvania
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  	0-13232
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  	232235254
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  _____________________<BR>
  	(State or other jurisdiction
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  _____________<BR>
  	(Commission
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  ______________<BR>
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  	of incorporation)
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  	File Number)
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  	Identification No.)
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  	&nbsp;&nbsp;
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  	Bridge and Main Streets, Mifflintown, Pennsylvania
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  	17059
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  _________________________________<BR>
  	(Address of principal executive offices)
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  	&nbsp;
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  ___________<BR>
  	(Zip Code)
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  	Registrant&#146;s telephone number, including area code:
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  	717-436-8211
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  	Not Applicable
  <BR>______________________________________________<BR>
  	Former name or former address, if changed since last report
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  	&nbsp;
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  <!-- CoverPageRegistrant END --><P><FONT SIZE="2">
  Check the appropriate box below if the Form 8-K filing is intended to
  simultaneously satisfy the filing obligation of the registrant under any
  of the following provisions:</FONT>
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  <P><FONT SIZE="2">
  [&nbsp;&nbsp;]&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)<br>
  [&nbsp;&nbsp;]&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)<br>
  [&nbsp;&nbsp;]&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))<br>
  [&nbsp;&nbsp;]&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))<br>
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  <B>
  	Item 8.01 Other Events.
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  On May 11, 2006, Juniata Valley Financial Corp. issued a press release announcing that its bank subsidiary, The Juniata Valley Bank, has agreed to purchase the Richfield, PA. office of the Mifflinburg Bank and Trust Company. A copy of the press release announcing the agreement is being furnished as Exhibit 99.1 of this report on Form 8-K.<br><br>On May 12, 2006, Juniata Valley Financial Corp. issued a press release announcing that it has agreed to purchase 1,214 shares of common stock of the First National Bank of Liverpool, located in Liverpool, PA, which will result in 39.2% ownership. A copy of the press release announcing the agreement is being furnished as Exhibit 99.2 of this report on Form 8-K.
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  	SIGNATURES
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  	Pursuant to the requirements of the Securities Exchange Act of 1934, the
  	registrant has duly caused this report to be signed on its behalf by the
  	undersigned hereunto duly authorized.
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  	Juniata Valley Financial Corp.
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  	&nbsp;&nbsp;
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  <I>
  	May 12, 2006
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  <I>
  	By:
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  	&nbsp;
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  <I>
  	JoAnn McMinn
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  	&nbsp;
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  <I>
  	Name: JoAnn McMinn
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  	&nbsp;
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  <I>
  	Title: SVP-Chief Financial Officer
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  	Exhibit&nbsp;Index
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  	Exhibit No.
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  	Description
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  	99.1
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  	&nbsp;
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  Press Release - JVB Branch Purchase from Mifflinburg B&T
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  	99.2
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  	&nbsp;
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  Press Release - Purchase of FNB Liverpool common stock
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metadata_documents: [{"type": "8-K", "sequence": "1", "filename": "htm_12408.htm", "description": "LIVE FILING", "secsgml_size_bytes": 10458}]
metadata_filer: {"company-data": {"conformed-name": "JUNIATA VALLEY FINANCIAL CORP", "cik": "0000714712", "assigned-sic": "6022", "irs-number": "232235254", "state-of-incorporation": "PA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-13232", "film-number": "06833486"}, "business-address": {"street1": "2 SOUTH MAIN ST", "street2": "P O BOX 66", "city": "MIFFLINTOWN", "state": "PA", "zip": "17059-0066", "phone": "7174368211"}, "mail-address": {"street1": "BRIDGE AND MAIN STREETS", "street2": "P O BOX 66", "city": "MIFFLINTOWN", "state": "PA", "zip": "17059-0066"}}
text: Juniata Valley Financial Corp. (Form: 8-K)
  UNITED STATES
  SECURITIES AND EXCHANGE COMMISSION
  WASHINGTON, D.C. 20549
  FORM 8-K
  CURRENT REPORT
  Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
  Date of Report (Date of Earliest Event Reported):
  May 11, 2006
  Juniata Valley Financial Corp.
  __________________________________________
  (Exact name of registrant as specified in its charter)
  Pennsylvania
  0-13232
  232235254
  _____________________
  (State or other jurisdiction
  _____________
  (Commission
  ______________
  (I.R.S. Employer
  of incorporation)
  File Number)
  Identification No.)
  Bridge and Main Streets, Mifflintown, Pennsylvania
  17059
  _________________________________
  (Address of principal executive offices)
  ___________
  (Zip Code)
  Registrant's telephone number, including area code:
  717-436-8211
  Not Applicable
  ______________________________________________
  Former name or former address, if changed since last report
  Check the appropriate box below if the Form 8-K filing is intended to
  simultaneously satisfy the filing obligation of the registrant under any
  of the following provisions:
  [  ]  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
  [  ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
  [  ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
  [  ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
  Top of the Form
  Item 8.01 Other Events.
  On May 11, 2006, Juniata Valley Financial Corp. issued a press release announcing that its bank subsidiary, The Juniata Valley Bank, has agreed to purchase the Richfield, PA. office of the Mifflinburg Bank and Trust Company. A copy of the press release announcing the agreement is being furnished as Exhibit 99.1 of this report on Form 8-K.
  On May 12, 2006, Juniata Valley Financial Corp. issued a press release announcing that it has agreed to purchase 1,214 shares of common stock of the First National Bank of Liverpool, located in Liverpool, PA, which will result in 39.2% ownership. A copy of the press release announcing the agreement is being furnished as Exhibit 99.2 of this report on Form 8-K.
  Top of the Form
  SIGNATURES
  Pursuant to the requirements of the Securities Exchange Act of 1934, the
  	registrant has duly caused this report to be signed on its behalf by the
  	undersigned hereunto duly authorized.
  Juniata Valley Financial Corp.
  May 12, 2006
  By:
  JoAnn McMinn
  Name: JoAnn McMinn
  Title: SVP-Chief Financial Officer
  Top of the Form
  Exhibit Index
  Exhibit No.
  Description
  99.1
  Press Release - JVB Branch Purchase from Mifflinburg B&T
  99.2
  Press Release - Purchase of FNB Liverpool common stock