<PAGE> 1
SCHEDULE 14A
INFORMATION REQUIRED IN PROXY STATEMENT
SCHEDULE 14A INFORMATION
Proxy Statement Pursuant to Section 14(a) of the
Securities Exchange Act of 1934
Check the appropriate box:
Filed by the Registrant [X]
Filed by a Party other than the Registrant [ ]
[ ] Preliminary Proxy Statement
[ ] Confidential, For Use of the Commission Only (as permitted by Rule
14a-6(e)(2))
[ ] Definitive Proxy Statement
[X] Definitive Additional Materials
[ ] Soliciting Material Under Rule 14a-12
CITIZENS FIRST FINANCIAL CORP.
------------------------------
(Name of Registrant as Specified in Its Charter)
--------------------------------------
(Name of Person(s) Filing Proxy Statement, if other than Registrant)
Payment of Filing Fee (Check the appropriate box):
[X] No fee required
[ ] Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11
(1) Title of each class of securities to which transaction applies:
N/A
--------------------------------------------------------------------
(2) Aggregate number of securities to which transaction applies:
N/A
--------------------------------------------------------------------
(3) Per unit price or other underlying value of transaction computed
pursuant to Exchange Act Rule 0-11 (set forth the amount on which
the filing fee is calculated and state how it was determined):
N/A
--------------------------------------------------------------------
(4) Proposed maximum aggregate value of transaction: N/A
--------------------
(5) Total fee paid: N/A
----------------------------------------------------
[ ] Fee paid previously with preliminary materials: N/A
---------------------------
[ ] Check box if any part of the fee is offset as provided by Exchange Act
Rule 0-11(a)(2) and identify the filing for which the offsetting fee was
paid previously. Identify the previous filing by registration statement
number, or the form or schedule and the date of its filing.
(1) Amount Previously Paid: N/A
---------------------------------------------
(2) Form, Schedule or Registration Statement No.: N/A
----------------------
(3) Filing Party: N/A
------------------------------------------------------
(4) Date Filed: N/A
--------------------------------------------------------
<PAGE> 2
COMMITMENT & SERVICE
What we look for in our leadership.
What our choice for Directors will
provide to our shareholders, our
employees and customers.
Remember to vote the [PHOTO OF C. WILLIAM LANDEFELD,
BLUE PROXY PRESIDENT AND CHIEF EXECUTIVE OFFICER
AND RONALD C. (RUSTY) WELLS,
CHAIRMAN OF THE BOARD]
CITIZENS FIRST
Financial Corp.
2101 North Veterans Parkway Speaking on behalf of the
Bloomington, IL 61704 Company's Board of Directors, we are
asking you to support our
For more information, please contact C. recommendations, and
William Landefeld, President & Chief VOTE THE BLUE PROXY in favor
Executive Officer, of Art Mier and Carl Borngasser
Citizens First Financial Corp., to our Board of Directors
309/661-8700
<PAGE> 3
[PHOTO OF ART MIER] Art and Carl are familiar with our [PHOTO OF
organization and ready to "hit the CARL BORNGASSER]
ground running" in their new
capacities as Directors.
Furthermore, Art and Carl are
homegrown people who know the
importance of having a local,
hometown bank for people to count
on. Just as many of you have
counted on Citizens Savings Bank to
be there for you, we're hopeful we
can count on you this time, and your
vote for Art Mier and Carl
Borngasser on the BLUE PROXY.
ART MIER
Art is owner of On Hand Safety Supplies which operates on-site safety stores
at major manufacturing facilities such as Caterpillar and Mitsubishi. However,
he's no stranger to the financial world, having been a Trust Officer at Peoples
Bank for five years. He also holds a degree in Economics from Notre Dame. Art
and his wife Sandra reside in Bloomington. They have two grown children, Blake
and Lisa. Art serves as a Director of nine different community, charitable,
business and social organizations, including McLean County United Way and McLean
County Red Cross.
COMMITMENT & SERVICE
Our commitment to providing unmatched service to all our customers starts at
the top. It is a belief shared by all of our directors and employees of Citizens
Savings Bank.
We continue to grow and change with the times, adding new Directors, new
products, new services and more conveniences. But one thing will never change
our commitment and our service will be unmatched.
It's a commitment that starts at the top and continues throughout our
company.
CARL BORNGASSER
Carl spent his entire working life in the banking business, first in Peoria,
then at his hometown bank, Fairbury Federal Savings, where he served 36 years,
the last 20 as President. He came to Citizens as Executive Vice President and
Director when Fairbury Savings and Citizens merged. He retired from his
Exec VP position in 1996. Carl and his wife, Georgann still reside in their
native community. They have two children and five grandchildren. Carl remains
active in his community, serving as a Trustee of his church and a member of the
Livingston County Board.
