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
August 15, 2003
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Date of Report (Date of earliest event report)
CITIZENS FINANCIAL CORPORATION
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(Exact name of registrant as specified in its charter)
KENTUCKY 0-20148 61-1187135
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(State of (Commission File Number) (IRS Employer
incorporation) Identification Number)
12910 SHELBYVILLE ROAD
LOUISVILLE, KENTUCKY 40243
(Address of principal executive offices)
Registrant's telephone number, including area code: (502) 244-2420
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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)
99.1 Earnings Press Release dated August 15, 2003.
ITEM 9. Regulation FD Disclosure (Item 12. Results of Operations
and Financial Condition)
The registrant's earnings press release dated August 15,
2003, reporting its second 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
Date: August 15, 2003 /s/ Lane A. Hersman
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Lane A. Hersman
Executive Vice President and Chief
Operating Officer
INDEX TO EXHIBITS
Exhibit
Number Description
99.1 Earnings Press Release dated August 15, 2003