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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): January 6, 2005 (January 5, 2005)

Citizens First Financial Corp.


(Exact name of registrant as specified in its charter)
         
Delaware
State or other jurisdiction
of Incorporation
  0-27740
(Commission
File Number)
  37-1351861
(IRS Employer
Identification No.)

2101 N. Veterans Parkway, Bloomington, IL 61704
(Address of principal executive offices) (Zip Code)

(309) 661-8700
(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 


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Item 8.01 Other Events.
Item 9.01 Financial Statements and Exhibits.
SIGNATURES
EXHIBIT INDEX
News Release, Dated Janaury 5, 2005


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Item 8.01 Other Events.

     On January 5, 2005, Citizens First Financial Corp. issued a news release to announce that the FDIC and the Illinois Department of Financial and Professional Regulation have terminated the previously disclosed Memorandum of Understanding entered into with the Company effective January 26, 2004. The news release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits.

  (c)   Exhibits.
         
Exhibit Number
  99.1    
News Release, dated January 5, 2005 issued by Citizens First Financial Corp.

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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 FINANCIAL CORP.
 
 
Dated: January 6, 2005  /s/Dallas G. Smiley    
  Dallas G. Smiley   
  Executive Vice President and
Chief Financial Officer 
 

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EXHIBIT INDEX

         
Exhibit Number
  99.1    
News Release, dated January 5, 2005 issued by Citizens First Financial Corp.