Citizens First Corporation is the bank holding for Citizens First Bank, Inc. (the Bank). The Bank conducts full-service community banking operations from nine locations in the Kentucky counties of Barren, Hart, Simpson and Warren. The Company is primarily engaged in the business of accepting demand, savings and time deposits and providing commercial, consumer and mortgage loans to the general public. It primarily markets its products and services to small and medium-sized businesses and to retail consumers. The Company offers extended drive-through hours, automated teller machines (ATMs), and banking by telephone, mail and personal appointment. As of December 31, 2011, it had 12 ATMs located within its markets. The Company also provides debit cards, credit cards, safekeeping and safe deposit boxes, automated clearing house (ACH) and other direct deposit services, savings bond redemptions, cashier�s checks, travelers� checks and letters of credit.