form15.htm
UNITED STATES
SECURITIES AND EXCHANGECOMMISSION
Washington, D.C. 20549
    
    
FORM 15

CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

Commission File Number  0-20148

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

12910 Shelbyville Rd., Suite 300, Louisville, KY 40243  (502)244-2420
(Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices)

Class A Common Stock, no par value per share
(Title of each class of securities covered by this Form)

None
(Titles of all other classes of securities for which a duty to file reports under section 13(a) or 15(d) remains)


Please place an X in the box(es) to designate the appropriate rule provision(s) relied upon to terminate or suspend the duty to file reports:
 
 
    
 
    
 
Rule 12g-4(a)(1)(i)
x
  
Rule 12h-3(b)(1)(i)
x
  
 
Rule 12g-4(a)(1)(ii)
o
  
Rule 12h-3(b)(1)(ii)
o
  
 
Rule 12g-4(a)(2)(i)
o
  
Rule 12h-3(b)(2)(i)
o
  
 
Rule 12g-4(a)(2)(ii)
o
  
Rule 12h-3(b)(2)(ii)
o
  
       
Rule 15d-6
o
  

Approximate number of holders of record as of the certification or notice date:  158

Pursuant to the requirements of the Securities Exchange Act of 1934 Citizens Financial Corporation has caused this certification/notice to be signed on its behalf by the undersigned duly authorized person.


Date:
November 13, 2007
  
By:
/s/ Darrell R. Wells
  
       
Name:  Darrell R. Wells
  
       
Title:    President
  

Instruction: This form is required by Rules 12g-4, 12h-3 and 15d-6 of the General Rules and Regulations under the Securities Exchange Act of 1934. The registrant shall file with the Commission three copies of Form 15, one of which shall be manually signed. It may be signed by an officer of the registrant, by counsel or by any other duly authorized person. The name and title of the person signing the form shall be typed or printed under the signature.