UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
August 12, 2004
Date of Report (Date of earliest event reported)
CITIZENS FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
KENTUCKY 0-20148 61-1187135
(State of incorporation) (Commission File Number) (IRS Employer
Identification Number)
12910 SHELBYVILLE ROAD
LOUISVILLE, KENTUCKY 40243
(Address of principal executive offices)
Registrant's telephone number, including area code: (502) 244-2420
Not Applicable
(Former name or former address, if changed since last report
ITEM 7. Financial Statements and Exhibits
(c) Exhibits (furnished pursuant to Item 12)
The registrant's earnings press release dated August 11, 2004,
reporting its second quarter 2004 results of operation and
financial condition, is attached hereto as Exhibit 99.1 and
incorporated by reference herein.
ITEM 12. Results of Operations and Financial Condition
The registrant's earnings press release dated August 11, 2004,
reporting its second quarter 2004 results of operation and
financial condition, is attached hereto as Exhibit 99.1 and
incorporated by reference herein.
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.
Citizens Financial Corporation
Registrant
Date: August 12, 2004 _/s/ Len E. Schweitzer_
Len E. Schweitzer
Treasurer
INDEX TO EXHIBITS
Exhibit
Number Description
99.1 Earnings Press Release dated August 11, 2004