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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) 1/19/2006
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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
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(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)
1805 Campbell Lane, Bowling Green, Kentucky 42101
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (270) 393-0700
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NOT APPLICABLE
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(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 CFR240.13e-4(c))
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ITEM 2.02. RESULTS OF OPERATION AND FINANCIAL CONDITION.
On January 19, 2006, Citizens First Corporation issued a press release,
a copy of which is attached hereto as Exhibit 99.1 and incorporated herein by
reference. The press release announced the Company's operating results for the
quarter and twelve months ended December 31, 2005.
ITEM 7.01. REGULATION FD DISCLOSURE.
See "Item 2.02. Results of Operations and Financial Condition" which
is incorporated by reference in this Item 7.01.
ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.
C. EXHIBITS
99.1 Press Release dated January 19,2006.
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 and 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.
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SIGNATURES
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 FIRST CORPORATION
(Registrant)
By: /s/John Steven Marcum
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John Steven Marcum
Executive Vice President and Chief Financial Officer
Date: January 19, 2006
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EXHIBIT INDEX
Exhibit Number Description of Exhibit
99.1 Press Release dated January 19,2006
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