[TYPE] EX-27
FORM 10-Q AMENDED
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
(Mark One)
[ X ]QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended June 30, 1996
OR
[ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the transition period from _____________________________ to ________________
Commission file number 000-20148
Citizens Financial Corporation
(Exact name of registrant as specified in its charter)
Kentucky 61-1187135
(State or other jurisdiction of (I.R.S. Employer
organization) Identification No.)
The Marketplace, Suite 300
12910 Shelbyville Road
Louisville, Kentucky 40243
(Address of principal offices)
(Zip Code)
(502) 244-2420
(Registrant's telephone number, including area code)
_____________________________
(Former name, former address and former fiscal year,
if changed since last report)
Indicate by check mark whether the registrant (1) has filed all
reports required to be filed by Section 13 or 15(d) of the Securities Exchange
Act of 1934 during the preceding 12 months (or for such shorter period that
the registrant was required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days. Yes X No
Indicate the number of shares outstanding of each of the issuer's classes of
common stock, as of the latest practicable date. Class A Stock -- 1,075,615 as
of August 7, 1996 This report consists of 36 consecutively numbered pages.
An Exhibit Index appears on page 12.
SIGNATURES
Pursuant to the requirements of the Securities and 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 CORPORATION
August 7, 1996 BY: ________________________________________
Darrell R. Wells
President and Chief Executive Officer
August 7, 1996 BY: ______________________________________
Brent L. Nemec
Treasurer and Principal Accounting Officer
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<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> JUN-30-1996
<DEBT-HELD-FOR-SALE> 49646
<DEBT-CARRYING-VALUE> 0
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<EQUITIES> 9965
<MORTGAGE> 181
<REAL-ESTATE> 4041
<TOTAL-INVEST> 67541
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4044
0
<COMMON> 1276
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8973
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