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Exhibit 12.A8
This announcement is neither an Offer to Purchase nor a solicitation of an offer
to sell shares of Citizens First Financial Corp. common stock. The offer is made
solely by the Offer to Purchase, dated October 31, 2000, and the related Letter
of Transmittal, copies of which may be obtained from the Information Agent.
Citizens First Financial Corp.
Offers to
Purchase for Cash up to 391,000 of its
Common Stock
At a Purchase Price Not Greater Than $17.00 Nor Less
Than $15.00 Per Share
THE OFFER, PRORATION PERIOD AND WITHDRAWAL RIGHTS EXPIRE AT
5:00 P.M., NEW YORK CITY TIME, ON DECEMBER 1, 2000,
UNLESS THE OFFER IS EXTENDED.
The Information Agent and Dealer Manager for the Offer is:
Sandler O'Neill & Partners, L.P.
2 World Trade Center
104th Floor
New York, New York 10048
(800) 635-6860
