-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, OVtViSs0amGKoTVZ5+QCyjiDXSNVkrcXATtWQiLHr/r3UQ/VuUO1BVV/q7LNLI6e jCJT3jA6th4jjsyjRdBh9Q== 0000909654-97-000045.txt : 19970222 0000909654-97-000045.hdr.sgml : 19970222 ACCESSION NUMBER: 0000909654-97-000045 CONFORMED SUBMISSION TYPE: SC 13G PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 19970212 SROS: AMEX SUBJECT COMPANY: COMPANY DATA: COMPANY CONFORMED NAME: CITIZENS FIRST FINANCIAL CORP CENTRAL INDEX KEY: 0001006265 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 371351861 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: SC 13G SEC ACT: 1934 Act SEC FILE NUMBER: 005-46587 FILM NUMBER: 97525591 BUSINESS ADDRESS: STREET 1: 301 BROADWAY CITY: NORMAL STATE: IL ZIP: 61761 BUSINESS PHONE: 3094521102 MAIL ADDRESS: STREET 1: 301 BROADWAY CITY: NORMAL STATE: IL ZIP: 61761 FILED BY: COMPANY DATA: COMPANY CONFORMED NAME: CITIZENS SAVINGS BANK FSB EMPLOYEE STOCK OWNERSHIP TRUST CENTRAL INDEX KEY: 0001032281 STANDARD INDUSTRIAL CLASSIFICATION: [] IRS NUMBER: 370217376 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: SC 13G BUSINESS ADDRESS: STREET 1: 301 BROADWAY CITY: NORMAL STATE: IL ZIP: 61761 BUSINESS PHONE: 3094521102 SC 13G 1 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Citizens First Financial Corp. ___________________________________________________ (Name of Issuer) Common Stock par value $.01 per share ___________________________________________________ (Title of Class of Securities) 174623-10-8 ___________________________________________________ (CUSIP Number) *The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page. The information required in the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes). SEC 1745 (2-95) Page 1 of 5 pages 2 ________________________________________________________________________________ CUSIP NO. 174623-10-8 13G Page 2 of 5 Pages ________________________________________________________________________________ ________________________________________________________________________________ 1 NAME OF REPORTING PERSON S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSON Citizens Savings Bank, F.S.B. Employee Stock Ownership Plan IRS ID No. 37-0217376 __________________________________________________________________________ 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* _ (a) |_| (b) |_| ________________________________________________________________________________ 3 SEC USE ONLY ________________________________________________________________________________ 4 CITIZENSHIP OR PLACE OF ORGANIZATION Federally chartered stock savings institution's employee stock benefit plan organized in Illinois. ________________________________________________________________________________ 5 SOLE VOTING POWER NUMBER OF 193,200 SHARES ___________________________________________________________ 6 SHARED VOTING POWER BENEFICIALLY 32,200 OWNED BY ___________________________________________________________ 7 SOLE DISPOSITIVE POWER EACH 225,400 REPORTING ___________________________________________________________ 8 SHARED DISPOSITIVE POWER PERSON 0 WITH -0- ________________________________________________________________________________ 9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 225,400 ________________________________________________________________________________ 10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES* ________________________________________________________________________________ 11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9 8.0% of 2,817,500 shares of Common Stock outstanding as of December 31, 1996. ________________________________________________________________________________ 12 TYPE OF REPORTING PERSON* EP ________________________________________________________________________________ *SEE INSTRUCTION BEFORE FILLING OUT! 3 CITIZENS SAVINGS BANK, F.S.B. EMPLOYEE STOCK OWNERSHIP PLAN SCHEDULE 13G Item 1(a) Name of Issuer: Citizens First Financial Corp. Item 1(b) Address of Issuer's Principal Executive Offices: 301 Broadway Normal, Illinois 61761 Item 2(a) Name of Person Filing: Citizens Savings Bank, F.S.B. Employee Stock Ownership Plan Trustee: First Bankers Trust Company Broadway at 12th Quincy, Illinois 62305 Item 2(b) Address of Principal Business Offices or, if none, Residence: 301 Broadway Normal, Illinois 61761 Item 2(c) Citizenship: Federally chartered stock savings institution's employee stock benefit plan organized in Illinois. Item 2(d) Title of Class of Securities: Common Stock par value $.01 per share Item 2(e) CUSIP Number: 174623-10-8 Item 3 The person filing this statement is an employee benefit plan which is Subject to the provisions of the Employee Retirement Income Security Act of 1974. Item 4 Ownership. As of December 31, 1996, the reporting person beneficially owned 225,400 shares of the issuer. This number of shares represents 8.0% of the common stock, par value $.01, of the issuer, based upon 2,817,500 shares of such common stock outstanding as of December 31, 1996. As of December 31, 1996, the reporting person has sole power to vote or to direct the vote of 193,200 of the shares and shares voting power over 32,200 shares. The reporting person has the sole power to dispose or direct the disposition of 225,400 shares of common stock. Page 3 of 5 pages 4 Item 5 Ownership of Five Percent or Less of a Class. N/A Item 6 Ownership of More than Five Percent on Behalf of Another Person. N/A Item 7 Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on By the Parent Holding Company. N/A Item 8 Identification and Classification of Members of the Group. N/A Item 9 Notice of Dissolution of Group. N/A Page 4 of 5 pages 5 Item 10 Certification. By signing below, I certify that, to the best of my knowledge and belief, the securities referred to above were acquired in the ordinary course of business and were not acquired for the purpose of and do not have the effect of changing or influencing the control of the issuer of such securities and are not acquired in connection with or as a participant in any transaction having such purpose or effect. SIGNATURE After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct. February 10, 1997 ____________________________________________ (Date) /s/ Dallas G. Smiley ____________________________________________ (Signature) Senior Vice President ____________________________________________ (Title) Page 5 of 5 pages -----END PRIVACY-ENHANCED MESSAGE-----