<PAGE> 1
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)
November 26, 1996
-----------------
COMMISSION FILE NO.: 1-14274
CITIZENS FIRST FINANCIAL CORP.
------------------------------
(Exact name of registrant as specified in its charter)
Delaware 37-1351861
- --------------------------------------------------- ----------------------
(State or other Jurisdiction of Incorporation (IRS Employer or
organization) Identification No.)
301 Broadway, Normal, Illinois 61761
- --------------------------------------------------- ----------------------
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (309) 452-1102
----------------------
<PAGE> 2
ITEM 5 OTHER EVENTS.
-------------
The Board of Directors of Citizens First Financial Corp. authorized
management to apply to the Office of Thrift Supervision for permission to
repurchase up to 10 percent of the outstanding stock of Citizens First Financial
Corp. A press release announcing such decision is attached as Exhibit 99.1.
Exhibit 99.1 Press Release dated November 26, 1996.
<PAGE> 3
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.
By: /s/ Dallas G. Smiley
-------------------------------------------------
Dallas G. Smiley
Senior Vice President and Chief Financial Officer
Dated: November 26, 1996
-----------------
<PAGE> 1
EXHIBIT 99.1 - PRESS RELEASE DATED NOVEMBER 26, 1996
<PAGE> 2
C. William Landefeld November 26, 1996
President and Chief Executive Officer
(309) 452-1102
CITIZENS FIRST FINANCIAL CORP. ANNOUNCES
INTENTION TO APPLY FOR STOCK REPURCHASE
- --------------------------------------------------------------------------------
Normal, Illinois, November 26, 1996 - Citizens First Financial Corp.
(AMEX:CBK) announced that the Board of Directors of Citizens First Financial
Corp. authorized management to apply to the Office of Thrift Supervision
("OTS"), pursuant to OTS regulations, to repurchase up to 10% of the outstanding
common stock of the Company. It is anticipated that such application will be
filed with the Regional Office of the OTS in the near future.
Citizens First Financial Corp. is the holding company for Citizens Savings
Bank, F.S.B. Headquartered in Normal, Illinois, Citizens First Financial Corp.
had total assets of $266.4 million and total equity of $40.3 million at
September 30, 1996.
