Citizens Financial Corporation 8-K

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
 
Date of Report (Date of earliest event report) June 15, 2006 
 
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
(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)

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
CFR 240.13e-4(c))



Section 7 - Regulation FD
 
Item 7.01. Regulation FD Disclosure.
 
Remarks by Joseph M. Bost, Registrant’s Executive Vice President and Chief Operating Officer, prepared for delivery at Registrant’s 2006 Annual Meeting of Shareholders on June 15, 2006 relating to its fiscal year 2005 results of operation and financial condition, is attached hereto as Exhibit 99.1 and incorporated by reference herein.
 
Section 9 - Financial Statements and Exhibits
 
Item 9.01. Financial Statements and Exhibits.
 
(d) Exhibits
 
Exhibit Number         Description of Exhibit
 
99.1
 
Remarks by Joseph M. Bost, Registrant’s Executive Vice President and Chief Operating Officer prepared for delivery at Registrant’s 2006 Annual Meeting of Shareholders on June 15, 2006

 
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: June 15, 2006
 
                                   By:  Len E. Schweitzer
                                       /s/ Len E. Schweitzer                                    
                                       Vice President and Chief Financial Officer
 


INDEX TO EXHIBITS
 
 
Exhibit
Number
 
 
Description
 
99.1
 
Remarks by Joseph M. Bost, Registrant’s Executive Vice President and Chief Operating Officer prepared for delivery at Registrant’s 2006 Annual Meeting of Shareholders on June 15, 2006

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