DELPHOS CITIZENS BANCORP INC
SC 13G/A, 2000-02-11
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<PAGE> 1


                               UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C. 20549





                              SCHEDULE 13G/A

                   Under the Securities Exchange Act of 1934
                              (Amendment No. 3)*


                       Delphos Citizens Bancorp, Inc.
          -----------------------------------------------------------
                               (Name of Issuer)

                      Common Stock, par value $.01 per share
              ----------------------------------------------------
                        (Title of Class of Securities)

                                 247179-10-4
                       --------------------------------
                                (CUSIP Number)

                                December 31, 1999
                        ----------------------------------
            (Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule
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).

SEC 1745 (2-95)
                              Page 2 of 5 pages

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- --------------------------  ------------------------ ---------------------------
CUSIP NO. 247179-10-4                 13G                Page 2 of  5  Pages
- --------------------------  ------------------------ ---------------------------

- --------------------------------------------------------------------------------
1       NAME OF REPORTING PERSON
        S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
        Citizens Bank of Delphos
        Employee Stock Ownership Plan

- ----    ------------------------------------------------------------------------
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 Ohio.

- ----------------  ----   ------------------------------------------------------
     NUMBER OF     5     SOLE VOTING POWER
       SHARES                   117,872
    BENEFICIALLY
      OWNED BY    ----    ------------------------------------------------------
        EACH       6      SHARED VOTING POWER
     REPORTING                   45,139
       PERSON
        WITH      ----    ------------------------------------------------------
                   7      SOLE DISPOSITIVE POWER
                                163,011

                  ----    ------------------------------------------------------
                   8      SHARED DISPOSITIVE POWER
                                  -0-

- ----    ------------------------------------------------------------------------
9       AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
              163,011

- ----    ------------------------------------------------------------------------
10      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*


- ----    ------------------------------------------------------------------------
11      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
             10.3 % of 1,584,783 shares of Common Stock outstanding
             as of December 31, 1999.

- ----    ------------------------------------------------------------------------
12      TYPE OF REPORTING PERSON*
              EP

- --------------------------------------------------------------------------------
                     *SEE INSTRUCTION BEFORE FILLING OUT!


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                           CITIZENS BANK OF DELPHOS
                         EMPLOYEE STOCK OWNERSHIP PLAN

                                SCHEDULE 13G/A

Item 1(a)   Name of Issuer:
            Delphos Citizens Bancorp, Inc.

Item 1(b)   Address of Issuer's Principal Executive Offices:
            114 East 3rd Street
            Delphos, Ohio  45833

Item 2(a)   Name of Person Filing:
            Citizens Bank of Delphos
            Employee Stock Ownership Plan
            Trustee:  First Bankers Trust Company
                      1201 Broadway 12th Street, P.O. Box 3566
                      Quincy, IL 62305

Item 2(b)   Address of Principal Business Offices or, if none, Residence:
            114 East 3rd Street
            Delphos, Ohio  45833

Item 2(c)   Citizenship:  Federally chartered stock savings institution's
                          employee stockbenefit plan organized in Ohio.

Item 2(d)   Title of Class of Securities: Common Stock, par value $.01 per share

Item 2(e)   CUSIP Number:  247179-10-4

Item 3      The person filing this statement is an employee benefit plan
            which is subject to the provisions of the Employee Retirement
            Income Security Act of 1974.

Item 4      Ownership.  As of December 31, 1999, the reporting person
            beneficially owned 163,011 shares of the issuer.  This number of
            shares represents 10.3% of the common stock, par value $.01, of the
            issuer, based upon 1,584,783 shares of such common stock outstanding
            as of December 31, 1999.  As of December 31, 1999, the reporting
            person has sole power to vote or to direct the vote of 117,872 of
            the shares and shares voting power over 45,139 shares.  The
            reporting person has the sole power to dispose or direct the
            disposition of 163,011 shares of common stock.




                              Page 3 of 5 pages

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Item 5      Ownership of Five Percent or Less of a Class.

            N/A

Item 6      Ownership of More than Five Percent on Behalf of Another Person.

            N/A

Item 7      Identification and Classification of the Subsidiary Which Acquired
            the Security Being Reported on By the Parent Holding Company.

            N/A

Item 8      Identification and Classification of Members of the Group.

            N/A

Item 9      Notice of Dissolution of Group.

            N/A










                              Page 4 of 5 pages

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Item 10     Certification.

            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 are not acquired in connection
            with or as a participant in any transaction having such purpose 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 7, 2000
                  --------------------------------------------
                                    (Date)

                               /s/ Carmen Walch
                  --------------------------------------------
                                 (Signature)

                                 Carmen Walch
                  First Bankers Trust, Co., N.A., as Trustee
                  --------------------------------------------
                                 (Name/Title)













                              Page 5 of 5 pages



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