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UNITED STATES
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) 10/26/2004
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CITIZENS FIRST CORPORATION
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(Exact name of registrant as specified in its charter)
Kentucky 333-67435 61-0912615
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)
1805 Campbell Lane, Bowling Green, Kentucky 42101
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (270) 393-0700
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Not Applicable
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligations of the registrant under any of the
following provisions (see General Instruction A.2. below):
[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR
230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
Act (17 CFR 240.13e-4(c)) [GRAPHIC OMITTED]
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ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.
On October 26, 2004, Citizens First Corporation issued the press
release attached as Exhibit 99.1 to this Form 8-K and incorporated by reference
herein. This press release announced the Company's operating results for the
third quarter ended September 30, 2004.
ITEM 7.01. REGULATION FD DISCLOSURE
See "Item 2.02. Results of Operation and Financial Condition"
which is incorporated by reference in this Item 7.01.
ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.
(c) The following exhibits are furnished as a part of this Report:
99.1 Press Release dated October 26, 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 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.
SIGNATURE
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.
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By:/s/ Bill D. Wright
Bill D. Wright
Vice-President and Chief Financial Officer
(Principal Financial and Accounting Officer)
Date: October 26, 2004
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EXHIBIT LIST
EXHIBIT SEQUENTIALLY
NUMBER DESCRIPTION NUMBERED PAGES
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99.1 Press Release dated October 26, 2004 4
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