SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
FORM 12b-25
Commission File Number 67435
NOTIFICATION OF LATE FILING
__ Form 10-K X Form 10-KSB __ Form 11-K
__Form 20-F __Form 10-Q __ Form
10-QSB __ Form N-SAR
For Period Ended: December 31, 1998
__Transition Report on Form 10-K __Transition Report on Form 10-Q
__Transition Report on Form 20-F __Transition Report on Form N-SAR
__Transition Report on Form 11-K
For the Transition Period Ended:
Nothing in this form shall be construed to imply that the
Commission has verified any information contained herein.
If the notification relates to a portion of the filing checked
above, identify the item(s) to which the notification relates:
Not Applicable
PART I
REGISTRANT INFORMATION
Full Name of Registrant: Citizens First Corporation
Former Name if applicable: Not Applicable
Address of principal executive office (Street and number):
1805 Campbell Lane
City, state, and zip code: Bowling Green, Kentucky 42104
PART II
RULE 12b-25 (b) AND (c)
If the subject report could not be filed without unreasonable
effort or expense and the registrant seeks relief pursuant to Rule
12b-25(b), the following should be completed (Check box if
appropriate.)
(a) The reasons described in reasonable detail in Part III of this form
could not be eliminated without unreasonable effort or expense;
(b) The subject annual report, semi-annual report, transition report on
Form 10-K, 20-F, 11-K or Form N-SAR, or portion thereof will be filed
on or before the 15th calendar day following the prescribed due date;
or the subject quarterly report or transition report on Form 10-Q, or
portion thereof will be filed on or before the fifth calendar day
following the prescribed due date; and
(c) The accountant's statement or other exhibit required by Rule 12b-25(c)
has been attached if applicable.
<PAGE>
PART III
NARRATIVE
State below in reasonable detail the reasons why Form 10-K,
Form 10-KSB, 11-K, 20-F, 10-Q, 10-QSB, N-SAR, or the transaction report
portion thereof could not be filed within the prescribed time period.
The Registrant's Form 10-KSB was not filed within the
prescribed time period due to a combination of an oversight on the
Registrant's part and the time required for the preparation of the
Registrant's financial statements for the year ended December 31, 1998.
PART IV
OTHER INFORMATION
(1) Name and telephone number of persons to contact in regard to this
notification.
Gregg A. Hall (502) 393-0737
(Name) (Area Code) (Telephone Number)
(2) Have all other periodic reports required under Section 13 or 15(d) of
the Securities Exchange Act of 1934 or Section 30 of the Investment
Company Act of 1940 during the preceding 12 months or for such shorter
period that the registrant was required to file such report(s) been
filed? If the answer is no, identify report(s).
X Yes ___ No
(3) Is it anticipated that any significant change in results of operations
from the corresponding period for the last fiscal year will be
reflected by the earnings statements to be included in the subject
report or portion thereof?
___Yes X No
If so: attach an explanation of the anticipated change, both
narratively and quantitatively, and, if appropriate, state the reasons
why a reasonable estimate of the results cannot be made.
Citizens First Corporation has caused this notification to be
signed on its behalf by the undersigned thereunto duly authorized.
Date: May 25, 1999 By:/s/ Mary D. Cohron
----------------------
Mary D. Cohron
President and Chief Executive Officer
