================================================================================
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
May 22, 2003
Date of Report (Date of earliest event report)
CITIZENS FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
Kentucky 0-20148 61-1187135
(State of Incorporation) (Commission file number) (I.R.S. Employer
Identification No.)
12910 Shelbyville Road, Louisville, Kentucky 40243
(Address of principal executive offices)
(502) 244-2420
(Registrant's telephone number)
Not Applicable
(Former name of former address, if changed since last report)
================================================================================
ITEM 7. Financial Statements and Exhibits
(c) Exhibits (furnished pursuant to Item 12)
99.1 Earnings Press Release dated May 22, 2003
ITEM 9. Regulation FD Disclosure
(Item 12. Results of Operations and Financial Condition
The registrant's earnings press release dated May 22, 2003,
reporting its first quarter 2003 results of operation and
financial condition, is attached hereto as Exhibit 99.1 and
incorporated by reference herein. This information is being
furnished under Item 12 of Form 8-K and is being presented
under Item 9 of Form 8-K pursuant to the U.S. Securities and
Exchange Commission's interim filing guidance as set forth in
Release No. 33-8216.
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
BY: /s/ Lane A. Hersman
-----------------------------
Lane A. Hersman
Executive Vice President and
Chief Operating Officer
Date: May 22, 2003
INDEX TO EXHIBITS
Exhibit
Number Description
------------------- ------------------------------------------------------
99.1 Earnings Press Release dated May 22, 2003