-----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,
 LfNnmN5IHORaXUPiRu3tJ44hTL27R81lOgdXu/pgdC3poj3o6AVPkqG+hkj2Tbf4
 dH5aKZvPxQo+Xe6wprerwQ==

<SEC-DOCUMENT>0000000000-07-044670.txt : 20071129
<SEC-HEADER>0000000000-07-044670.hdr.sgml : 20071129
<ACCEPTANCE-DATETIME>20070913144929
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-07-044670
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20070913

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL CORP /KY/
		CENTRAL INDEX KEY:			0000887136
		STANDARD INDUSTRIAL CLASSIFICATION:	ACCIDENT & HEALTH INSURANCE [6321]
		IRS NUMBER:				611187135
		STATE OF INCORPORATION:			KY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		UPLOAD

	BUSINESS ADDRESS:	
		STREET 1:		12910 SHELBYVILLE ROAD
		CITY:			LOUISVILLE
		STATE:			KY
		ZIP:			40243
		BUSINESS PHONE:		5022442420

	MAIL ADDRESS:	
		STREET 1:		12910 SHELBYVILLE ROAD
		CITY:			LOUISVILLE
		STATE:			KY
		ZIP:			40243
PUBLIC REFERENCE ACCESSION NUMBER:		0001140361-07-014408
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
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