FIRST CITIZENS FINANCIAL CORP
8-K, 1997-03-04
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                    FORM 8-K

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                 CURRENT REPORT

                     Pursuant to Section 13 of 15(d) of the
                         Securities Exchange Act of 1934


               Date of Report (Date of earliest event reported):
                                  March 4, 1997

                      First Citizens Financial Corporation
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

   Delaware                       0-17912                        52-1638667
- --------------------------------------------------------------------------------
(State or other                 (Commission                     (IRS Employer
jurisdiction of                 File Number)                 Identification No.)
incorporation)


          22 Firstfield Road
        Gaithersburg, Maryland                                          20878
- --------------------------------------------------------------------------------
(Address of principal executive office)                               (Zip Code)


               Registrant's telephone number, including area code:
                                 (301) 527-2400
                                 --------------

                                 Not applicable
- --------------------------------------------------------------------------------
         (Former name or former address, if changed since last report)



                                                              Page 1 of 3 Pages.


<PAGE>




Item 5.  Other Events.
         -------------

         First Citizens  Financial  Corporation  announced on March 3, 1997 that
its 1997  annual  meeting of  stockholders  will be held at 9:00 a.m. on Friday,
April 25,  1997 at the  Quality  Suites  Hotel,  3  Research  Court,  Rockville,
Maryland.  The record date for  stockholders  entitled to vote at the meeting is
March 7, 1997.



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<PAGE>




                                   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 hereunto duly authorized.



                                            FIRST CITIZENS FINANCIAL CORPORATION
                                            ------------------------------------
                                                        (Registrant)




                                            By: /s/
                                                --------------------------------
                                                          Enos K. Fry
                                                           President



Date:  March 4, 1997
       -------------



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