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
March 29, 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' earnings press release dated March 29, 2004,
Reporting its fiscal year 2003 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 March 29, 2004,
reporting its fiscal year 2003 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: March 29, 2004 _________________________
Len E. Schweitzer
Senior Vice President
INDEX TO EXHIBITS
Exhibit
Number Description
99.1 Earnings Press Release dated March 29, 2004