~~Table~~UNITED ofSTATES SECURITIES ~~Contents~~AND EXCHANGE COMMISSION

~~UNITED~~Washington, ~~STATES SECURITIES~~D.C. ~~AND EXCHANGE COMMISSION~~20549

~~Washington,~~FORM ~~D.C. 20549~~8-K

~~FORM~~CURRENT ~~8-K~~REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

~~CURRENT~~Date ~~REPORT PURSUANT~~of TOReport ~~SECTION~~(Date 13of ORearliest ~~15(D~~event reported): OFJanuary 18, ~~THE SECURITIES~~2005 ~~EXCHANGE~~(January 14, ~~ACT OF 1934~~2005)

~~Date~~Citizens ofFirst ~~Report~~Financial ~~(Date of earliest event reported): January 6, 2005 (January 5, 2005)~~Corp.

~~Citizens~~(Exact ~~First~~name ~~Financial~~of ~~Corp.~~registrant as specified in its charter)

~~(Exact~~Delaware ~~name~~State or other jurisdiction of ~~registrant~~Incorporation as0-27740 ~~specified~~(Commission inFile ~~its~~Number) ~~charter~~37-1351861 (IRS Employer Identification No.)

~~Delaware~~2101 ~~State~~N. orVeterans ~~other~~Parkway, ~~jurisdiction~~Bloomington, ofIL ~~Incorporation 0-27740 (Commission File Number) 37-1351861 (IRS Employer Identification No.)~~61704

~~2101 N. Veterans Parkway, Bloomington, IL 61704~~ (Address of principal executive offices) (Zip Code)

(309) 661-8700 ~~(Registrant’s telephone number, including area code)~~

~~Check~~(Registrant’s ~~the~~telephone ~~appropriate~~number, ~~box~~including ~~below~~area ~~if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:~~ code)

oCheck ~~Written~~the ~~communications~~appropriate ~~pursuant~~box below if the Form 8-K filing is intended to ~~Rule 425~~simultaneously ~~under~~satisfy the filing obligation of the ~~Securities~~registrant ~~Act~~under ~~(17~~any ~~CFR~~of ~~230.425)~~the following provisions:

o ~~Soliciting~~Written ~~material~~communications pursuant to Rule ~~14a-12~~ 425 under the ~~Exchange~~Securities Act (17 CFR ~~240~~230.~~14a-12~~425)

o ~~Pre-commencement~~Soliciting ~~communications~~material pursuant to Rule ~~14d~~ 14a-~~2(b)~~12 under the Exchange Act (17 CFR 240.~~14d~~14a-~~2(b~~12))

o Pre-commencement communications pursuant to Rule ~~13e~~ 14d-42(cb) under the Exchange Act (17 CFR 240.~~13e~~14d-42(cb))

~~TABLE~~o OFPre-commencement ~~CONTENTS~~communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

	Item 8.01 Other Events.
	Item 9.01 Financial Statements and Exhibits.
SIGNATURES
EXHIBIT INDEX
News Release, Dated Janaury 5, 2005

Item 8.01 Other Events.

On January 514, 2005, Citizens First Financial Corp. (the “Company”) issued a news release to announce ~~that~~ the ~~FDIC~~ ~~and~~time, ~~the~~date ~~Illinois~~and ~~Department~~place of ~~Financial~~its ~~and~~Special ~~Professional~~Meeting ~~Regulation~~of ~~have~~Shareholders ~~terminated~~to ~~the previously~~be ~~disclosed~~held ~~Memorandum~~in ofconnection with ~~Understanding~~Company’s ~~entered~~proposed ~~into~~merger with ~~the~~Main ~~Company~~Street ~~effective January 26~~Trust, ~~2004~~Inc. The news release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits.

Exhibit Number ~~99.1 News Release, dated January 5, 2005 issued by Citizens First Financial Corp.~~


99.1	News Release, dated January 14, 2005 issued by Citizens First Financial Corp.

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~~Table of Contents~~SIGNATURES

~~SIGNATURES~~ 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.

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 FIRST FINANCIAL CORP.
Dated: January 18, 2005		/s/ C. William Landefeld

		C. William Landefeld President and Chief Executive Officer

	CITIZENS FIRST FINANCIAL CORP.
Dated: January 6, 2005	/s/Dallas G. Smiley
	Dallas G. Smiley
	Executive Vice President and Chief Financial Officer

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~~-3-~~EXHIBIT INDEX

~~Table of Contents~~Exhibit Number

~~EXHIBIT~~99.1 ~~INDEX~~ News Release, dated January 14, 2005 issued by Citizens First Financial Corp.

~~Exhibit Number 99.1 News Release, dated January 5, 2005 issued by Citizens First Financial Corp.~~-4-

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