CITIZENS BANCORP
14401 Sweitzer Lane
Laurel, MD 20707
January 16, 1997
Securities and Exchange Commission
Judiciary Plaza
450 - 5th Street, N.W.
Washington, D.C. 20549
Gentlemen:
Re: SEC Form 4 - Citizens Bancorp
Robert M. Beall, Director
Pursuant to Sections 16(a) and/or 23(a) of the Securities Exchange Act of
1934, we are sending herewith Form 4 for the Month of December, 1996, for
Robert M. Beall,Director of Citizens Bancorp. One manually-signed copy of the
Form 4 (Plus 2 copies) will be supplied by mail.
Please note that Citizens Bancorp was acquired by Crestar Financial
Corporation on December 31, 1996. Therefore, after the filing of Forms 5 for
1996, Citizens Bancorp's directors and officers will not be subject to Form 4
or Form 5 obligations.
Sincerely,
/s/ Jean G. Salamone
Jean G. Salamone
Secretary
\JEAN96\SECFRM4.J97
<PAGE><TABLE>
FORM 4
<CAPTION>
1. BEALL, Robert M. 2. CITIZENS BANCORP CIBC 6. Director
6011 Greenbelt Road
Berwyn Heights, MD 20740
3. ###-##-#### 4. December/1996
______________________________________________________________________________
<S> <C> <C> <C> <C> <C> <C>
1. Title 2. Trans- 3. Code 4. Amount\Price 5. Amount 6. D or I 7.Nature
of action End of of
Security Date Month owner-
ship
_______________________________________________________________________________
Common Stock 3,718 D
Common Stock 1,376 D* 401(k) at
Broker
Common Stock 12/31/96 P 13 A $63.00 2,919 D** Self/IRA
at Broker
Common Stock 12/31/96 P 7 A $63.00 1,591 I** Wife/IRA
at Broker
Common Stock 260 I By Spouse
Common Stock 20 I Spouse/
Custodian
Common Stock 1,358 I*** Ledo Pizza
Systems,
Inc.
</TABLE>
Explanation of Responses:
*1,376 shares owned Directly, held for 401(k) Plan by Broker.
**2,919 and 1,591 shares held by Broker for Mr. and Mrs. Beall, respectively,
in two IRA accounts.
***1,358 shares owned by Ledo Pizza Systems, Inc. - Mr. Beall 15% owner.
/s/ Robert M. Beall 1/15/97
