PURSUANT TO SECTION 13
OR 15(d) OF THE
SECURITIES EXCHANGE ACT
OF 1934
June 30, 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 No.) | ||
| 12910 SHELBYVILLE ROAD LOUISVILLE, KENTUCKY 40243 |
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| (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) |
99.1 Transcript of remarks by Darrell R. Wells, Registrant's President, at Registrant's 2004 Annual Meeting on June 30, 2004. | ||
ITEM 12. |
Results of Operations and Financial Conditions | |
| |
|
Transcript of remarks by Darrell R. Wells, Registrant's President, at Registrant's 2004 Annual Meeting on June 30, 2004 relating to 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.
| Date: July 1, 2004 | Citizens Financial Corporation Registrant |
By: /s/ Darrell R. Wells Darrell R. Wells President and Chief Executive Officer |
| Exhibit Number |
Description | |
99.1 |
Transcript of remarks by Darrell R. Wells, Registrant's President, at Registrant's 2004 Annual Meeting on June 30, 2004 | |