CITIZENS FIRST FINANCIAL CORP
DEFA14A, 2000-03-27
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                  SCHEDULE 14A
                     INFORMATION REQUIRED IN PROXY STATEMENT

                            SCHEDULE 14A INFORMATION

                Proxy Statement Pursuant to Section 14(a) of the
                         Securities Exchange Act of 1934

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      14a-6(e)(2))
[ ]   Definitive Proxy Statement
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                         CITIZENS FIRST FINANCIAL CORP.
                         ------------------------------
                (Name of Registrant as Specified in Its Charter)

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WE'VE BEEN BANKER, NEIGHBOR        WE HAVE 31, 797 GREAT REASONS WHY
AND FRIENDS TO THIS COMMUNITY      WE WANT TO REMAIN THAT WAY
FOR 112 YEARS.                     . . . OUR CUSTOMERS
- --------------------------------------------------------------------------------
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<CAPTION>

<S>                                  <C>
[PHOTO OF C. WILLIAM LANDEFELD,            As  a  hometown  bank,  we known this
PRESIDENT AND CHIEF EXECUTIVE        community inside and out.  We've  been home
OFFICER AND RONALD C. (RUSTY)        to  many   initial  savings  and   checking
WELLS, CHAIRMAN OF THE BOARD]        accounts.   We  provide  loans  for   home,
                                     businesses,  cars,  weddings and education.
                                     We also offer personalized service that our
                                     customers have come to expect from us since
                                     1888.

                                           Our  goal  is  to  remain  local  and
                                     hometown,  with  employees  and a Board  of
                                     Directors who  understand our community and
                                     its needs. Speaking on behalf of the entire
                                     Board  of  Directors,  we  are  asking  our
                                     stockholders  (of Citizens First  Financial
                                     Corp., our parent company) for your support
                                     and,  more  importantly,  your vote for Art
                                     Mier and Carl  Borngasser  to our  Board of
                                     Directors.

                                           Art and Carl are homegrown people who
                                     know  that  importance  of  having a local,
                                     hometown  bank for people to count on. Just
                                     as 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.

                                     [PHOTO OF ART MIER]    [PHOTO OF CARL
                                                             BORNGASSER]

                                     Citizens First Financial Corp.

                                     Citizens Savings Bank

                                     For more information, please contact C.
                                     Wiliam Landefeld, President and Chief
                                     Executive Officer, Citizens First Financial
                                     Corp. 301/661-8700
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