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    <link:loc xlink:type="locator" xlink:href="czfs-20130930.xsd#czfs_AgriculturalMember" xlink:label="AgriculturalMember" xlink:title="AgriculturalMember" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NotesReceivableNet" xlink:label="NotesReceivableNet" xlink:title="NotesReceivableNet" />
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