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 reported): January 30,
2009
CITIZENS
FINANCIAL CORP.
(Exact
name of registrant as specified in its charter)
____________________________
|
DELAWARE
|
|
2-96144
|
|
55-0666598
|
|
(
State or other
jurisdiction of Incorporation)
|
|
(Commission
File Number)
|
|
(I.R.S.
Employer Identification No.)
|
|
211
Third Street, Elkins, West Virginia
|
|
26241
|
|
(Address
of principal executive offices)
|
|
(Zip
Code)
|
Registrant’s
telephone number, including area code: (304) 636-4095
(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 obligation 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))
The
information in this Report is provided under Item 2.02 and Item 7.01 of Form 8-K
and shall not be deemed “filed” under the Securities Exchange Act of 1934, as
amended (the “Exchange Act”), and shall not be incorporated by reference into
any of Citizens Financial Corp.’s previous or future filings under the
Securities Act of 1933, as amended, or the Exchange Act.
Item
2.02. Results of Operations and Financial Condition.
On January 30, 2009, Citizens Financial
Corp. reported earnings for the 2008 fiscal year, as described in the press
release attached as Exhibit 99.1 and incorporated herein by
reference.
This data is unaudited and audited
results may vary. Citizens will file Form 10-K for the year ended
December 31, 2008 prior to March 31, 2009. Upon filing, that report
will be available on the company’s website at
www.citizensnationalbank.com
.
Item
7.01: Regulation FD Disclosure
See Item 2.02 “Results of Operations
and Financial Condition” above.
Item
9.01: Financial Statements and Exhibits
99.1
Press Release Dated January 30, 2009
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 hereto duly authorized.
|
|
|
Citizens
Financial Corp.
|
|
|
|
|
|
|
|
|
|
1/30/09
|
|
/s/
Thomas K. Derbyshire
|
|
|
|
|
|
|
|
|
|
|
|
Vice
President, Treasurer, and
|
|
|
|
Principal
Financial
Officer
|