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SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
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FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported): September 5, 2000
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CITIZENS FINANCIAL CORP.
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(Exact name of registrant as specified in its charter)
DELAWARE 2-96144 55-0666598
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(State or other jurisdiction of (Commission File Number) (I.R.S. Employer
incorporation) Identification No.)
211 Third Street, Elkins, West Virginia 26241
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (304) 636-4095
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(Former name or former address, if changed since last report.)
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Item 5. Other Events
On September 5, 2000, Citizens National Bank of Elkins, a wholly-owned
subsidiary of Citizens Financial Corp., received permission from the Office of
the Comptroller of the Currency to establish a branch facility in Slatyfork,
West Virginia. The branch will offer a full line of loan and deposit services,
an ATM, two drive-in lanes and safe deposit boxes. Construction of the facility
is scheduled to begin immediately. The total cost of the facility, including
land, construction costs and banking equipment, is expected to approximate
$794,000. The facility is expected to be open for business in November, 2000.
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
CITIZENS FINANCIAL CORP.
September 5, 2000 By /s/ Thomas K. Derbyshire
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Date Thomas K. Derbyshire
Treasurer
