UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
SCHEDULE 13G
UNDER THE SECURITIES EXCHANGE ACT OF 1934
ANNUAL FILING
CITIZENS FIRST FINANCIAL CORP.
(NAME OF ISSUER)
COMMON STOCK PAR VALUE $.01 PER SHARE
(TITLE OF CLASS OF SECURITIES)
174623-10-8
(CUSIP NUMBER)
12-31-98
(DATE OF EVENT WHICH REQUIRES FILING OF THIS STATEMENT)
CHECK THE APPROPRIATE BOX TO DESIGNATE THE RULE PURSUANT TO WHICH THIS SECTION
IS FILED:
(X) RULE 13D-1(B)
( ) 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 (HOWEVER, SEE THE
NOTES).
[ ]CUSIP NO. 174623-10-8
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1. NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF PERSON
CITIZENS SAVINGS BANK, f.s.b., EMPLOYEE STOCK OWNERSHIP PLAN
IRS ID NO. 37-021736
2. CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
A___
B___
3. SEC USE ONLY
4. CITIZENSHIP OR PLACE OF ORGANIZATION
FEDERALLY CHARTERED STOCK SAVINGS INSTITUTION'S EMPLOYEE STOCK
BENEFIT PLAN ORGANIZED IN ILLINOIS
5. SOLE VOTING POWER
128,800 SHARES
6. SHARED VOTING POWER
94,597 SHARES
7. SOLE DISPOSITIVE POWER
223,937 SHARES
8. SHARED DISPOSITIVE POWER
-0- SHARES
9. AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
223,937 SHARES
10. CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
SHARES
11. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
9.8%
12. TYPE OF REPORTING PERSON
EP
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ITEM 1.
(A) NAME OF ISSUER:
CITIZENS FIRST FINANCIAL CORP.
(B) ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES
2101 NORTH VETERANS PARKWAY, BLOOMINGTON, ILLINOIS 61704
ITEM 2.
(A) NAME OF PERSON FILING:
CITIZENS SAVINGS BANK, f.s.b. EMPLOYEE STOCK OWNERSHIP PLAN
TRUSTEE: FIRST BANKERS TRUST COMPANY, BROADWAY AT 12TH
STREET, QUINCY, ILLINOIS 62305
(B) ADDRESS OF PRINCIPAL BUSINESS OFFICE OR, IF NONE, RESIDENCE
2101 NORTH VETERANS PARKWAY, BLOOMINGTON, ILLINOIS 61704
(C) CITIZENSHIP
FEDERALLY CHARTERED STOCK SAVINGS INSTITUTION'S EMPLOYEE
STOCK BENEFIT PLAN ORGANIZED IN ILLINOIS
(D) TITLE OF CLASS OF SECURITIES
COMMON STOCK PAR VALUE $.01 PER SHARE
(E) CUSIP NUMBER:
174623-10-8
ITEM 3. IF THIS STATEMENT IS FILED PURSUANT TO ss.240.13D-1(B) OR
ss.240.13(D)-2(B) OR (C), CHECK WHETHER THE PERSON FILING IS
A:
(F) X AN EMPLOYEE BENEFIT PLAN IN ACCORDANCE WITH ss.240.13d-
1(b)(1)(ii)(F)
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ITEM 4. OWNERSHIP
(A) AMOUNT BENEFICIALLY OWNED
223,937 SHARES
(B) PERCENT OF CLASS
9.8%
(C) NUMBER OF SHARES AS TO WHICH THE PERSON HAS:
(I) SOLE POWER TO VOTE OR DIRECT THE VOTE
128,800 SHARES REPRESENTING UNALLOCATED SHARES
(II) SHARED POWER TO VOTE OR DIRECT THE VOTE
94,597 REPRESENTING ALLOCATED SHARES
(III) SOLE POWER TO DISPOSE OR TO DIRECT THE DISPOSITION OF
223,937 SHARES
(IV) SHARED POWER TO DISPOSE OR DIRECT THE DISPOSITION OF
-0- SHARES
ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS
NOT APPLICABLE
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 ON BY THE PARENT
HOLDING COMPANY
ITEM 8. IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP
NOT APPLICABLE
ITEM 9. NOTICE OF DISSOLUTION OF GROUP
NOT APPLICABLE
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ITEM 10. CERTIFICATION
THE FOLLOWING CERTIFICATION SHALL BE INCLUDED IF THE STATEMENT
IS FILED PURSUANT TO RULE 13D-1(B):
BY SIGNING BELOW, I CERTIFY THAT, TO THE BEST OF MY KNOWLEDGE AND
BELIEF, THE SECURITIES REFERRED TO ABOVE WERE ACQUIRED IN THE ORDINARY COURSE OF
BUSINESS AND WERE NOT ACQUIRED FOR THE PURPOSE OF AND DO NOT HAVE THE EFFECT OF
CHANGING OR INFLUENCING THE CONTROL OF THE ISSUER OF SUCH SECURITIES AND WERE
NOT ACQUIRED IN CONNECTION WITH OR AS A PARTICIPANT IN ANY TRANSACTION HAVING
SUCH PURPOSES 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 9, 1999
CITIZENS SAVINGS BANK, f.s.b. EMPLOYEE STOCK
OWNERSHIP PLAN
/s/ C. William Landefeld
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