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                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549



                                    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): April 19, 2004



                           CITIZENS FIRST CORPORATION

             (Exact name of Registrant as specified in its charter)

 Kentucky                          333-67435                  61-0912615
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(State or other                   (Commission                (IRS employer
jurisdiction of                   file number)               identification)
incorporation)                                                   number)


                1805 Campbell Lane, Bowling Green, Kentucky 42104
                    (Address of principal executive offices)


                                 (270) 393-0700

              (Registrant's telephone number, including area code)




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ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.

         C. Exhibits

         99.1  Press Release dated April 19, 2004.

ITEM 12.  RESULTS OF OPERATION AND FINANCIAL CONDITION.
                                                      -

     On April 19,2004, Citizens First Corporation issued a press release, a copy
of which is attached hereto as Exhibit 99.1 and incorporated herein by
reference. The press release announced the Company's operating results for the
quarter ended March 31, 2004.

     The information in this Form 8-K and the Exhibit attached hereto shall not
be deemed filed for purposes of Section 18 of the Securities and Exchange Act of
1934, nor shall it be deemed incorporated by reference in any filing under the
Securities Act of 1933, except as shall be expressly set forth by specific
reference in such filing.












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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 hereunto duly authorized.

                           CITIZENS FIRST CORPORATION
                                  (Registrant)



                                 By:   Bill D. Wright
                                     Vice President and Chief Financial Officer
Date:  April 19, 2004

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                                  EXHIBIT INDEX


Exhibit Number    Description of Exhibit

99.1     Press Release dated April 19, 2004

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