<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 1073475
<NAME> Citizens First Corporation
<S> <C> <C>
<PERIOD-TYPE> 9-MOS 3-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-2000
<PERIOD-START> JAN-01-2000 JUL-01-2000
<PERIOD-END> SEP-30-2000 SEP-30-2000
<CASH> 1,879,098 1,879,098
<INT-BEARING-DEPOSITS> 26,174 26,174
<FED-FUNDS-SOLD> 1,200,000 1,200,000
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 5,860,393 5,860,393
<INVESTMENTS-CARRYING> 0 0
<INVESTMENTS-MARKET> 0 0
<LOANS> 53,235,745 53,235,745
<ALLOWANCE> 706,620 706,620
<TOTAL-ASSETS> 63,654,802 63,654,802
<DEPOSITS> 52,557,271 52,557,271
<SHORT-TERM> 1,924,000 1,924,000
<LIABILITIES-OTHER> 2,595,493 2,595,493
<LONG-TERM> 0 0
0 0
0 0
<COMMON> 7,357,477 7,357,477
<OTHER-SE> (779,439) (779,439)
<TOTAL-LIABILITIES-AND-EQUITY> 63,654,802 63,654,802
<INTEREST-LOAN> 3,045,253 1,211,847
<INTEREST-INVEST> 283,117 93,407
<INTEREST-OTHER> 78,798 7,179
<INTEREST-TOTAL> 3,407,168 1,312,433
<INTEREST-DEPOSIT> 1,700,489 675,129
<INTEREST-EXPENSE> 1,759,140 702,103
<INTEREST-INCOME-NET> 1,648,028 610,330
<LOAN-LOSSES> 333,000 126,000
<SECURITIES-GAINS> (6,827) (127)
<EXPENSE-OTHER> 1,822,302 576,719
<INCOME-PRETAX> (323,519) (15,601)
<INCOME-PRE-EXTRAORDINARY> (323,519) (15,601)
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> (323,519) (15,601)
<EPS-BASIC> (0.50) (0.02)
<EPS-DILUTED> (0.50) (0.02)
<YIELD-ACTUAL> 4.31 4.31
<LOANS-NON> 141,000 141,000
<LOANS-PAST> 377,000 377,000
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 400,920 581,520
<CHARGE-OFFS> 27,300 900
<RECOVERIES> 0 0
<ALLOWANCE-CLOSE> 706,620 706,620
<ALLOWANCE-DOMESTIC> 0 0
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 706,620 706,620
</TABLE>
