UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q/A
QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended June 30, 1998
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Commission File Number 1-14274
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CITIZENS FIRST FINANCIAL CORP.
(Exact name of registrant as specified in its charter)
Delaware 37-1351861
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification Number)
101 N. Veterans Parkway, Bloomington, Illinois 61704
(Address of principal executive offices)
(309) 661-8700
(Registrant's telephone number, including area code)
Indicate by check mark whether the registrant has: (1) filed
all reports required to be filed by Section 13 or 15(d) of the
Securities Exchange Act of 1934 during the preceding twelve
months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.
(1) [X] Yes [ ] No
(2) [X] Yes [ ] No
As of July 28, 1998, the Registrant had 2,300,854 shares of
Common Stock outstanding.
<PAGE>
Registrant previously submitted its second quarter Form 10-Q
with its Financial Data Schedule. Although transmission
indicated the filing of the Financial Data Schedule, Registrant
noticed that such did not appear on various EDGAR sites.
Registrant has attempted to verify with the Securities and
Exchange Commission (the 'SEC') the filing but the SEC could not
confirm. Registrant is filing this amendment to retransmit the
Financial Data Schedule.
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 thereunto duly authorized.
Citizens First Financial Corp.
Date: January 6, 1999 /s/ C. William Landefeld
--------------------------------
C. William Landefeld
President
Date: January 6, 1999 /s/ Dallas G. Smiley
--------------------------------
Dallas G. Smiley
Chief Financial Officer
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1997
<PERIOD-END> JUN-30-1998
<CASH> $4,690
<INT-BEARING-DEPOSITS> $17,112
<FED-FUNDS-SOLD> $0
<TRADING-ASSETS> $0
<INVESTMENTS-HELD-FOR-SALE> $18,286
<INVESTMENTS-CARRYING> $0
<INVESTMENTS-MARKET> $0
<LOANS> $226,617
<ALLOWANCE> $(1,029)
<TOTAL-ASSETS> $281,068
<DEPOSITS> $202,757
<SHORT-TERM> $7,000
<LIABILITIES-OTHER> $3,518
<LONG-TERM> $28,577
$0
$0
<COMMON> $28
<OTHER-SE> $39,188
<TOTAL-LIABILITIES-AND-EQUITY> $281,068
<INTEREST-LOAN> $9,535
<INTEREST-INVEST> $585
<INTEREST-OTHER> $351
<INTEREST-TOTAL> $10,471
<INTEREST-DEPOSIT> $4,816
<INTEREST-EXPENSE> $5,838
<INTEREST-INCOME-NET> $4,633
<LOAN-LOSSES> $225
<SECURITIES-GAINS> $2
<EXPENSE-OTHER> $3,764
<INCOME-PRETAX> $1,544
<INCOME-PRE-EXTRAORDINARY> $1,544
<EXTRAORDINARY> $0
<CHANGES> $0
<NET-INCOME> $945
<EPS-PRIMARY> $0.41
<EPS-DILUTED> $0.38
<YIELD-ACTUAL> $0.035
<LOANS-NON> $438
<LOANS-PAST> $532
<LOANS-TROUBLED> $333
<LOANS-PROBLEM> $0
<ALLOWANCE-OPEN> $840
<CHARGE-OFFS> $47
<RECOVERIES> $11
<ALLOWANCE-CLOSE> $1,029
<ALLOWANCE-DOMESTIC> $6
<ALLOWANCE-FOREIGN> $0
<ALLOWANCE-UNALLOCATED> $1,023
</TABLE>
