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): April 14,
2008
CITIZENS
FINANCIAL CORP.
(Exact
name of registrant as specified in its charter)
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DELAWARE
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2-96144
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55-0666598
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(
State or other
jurisdiction of Incorporation)
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(Commission
File Number)
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(I.R.S.
Employer Identification No.)
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211
Third Street, Elkins, West Virginia
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26241
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(Address
of principal executive offices)
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(Zip
Code)
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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):
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£
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Written
communications pursuant to Rule 425 under the Securities Act (17 CFR
230.425)
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£
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Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
240.14a-12)
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£
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Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
240.14d-2(b))
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£
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Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
240.13e-4(c))
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The
information in this Report is provided under Item 2.02 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 April
14, 2008, Citizens Financial Corp. reported its earnings for the first quarter
of 2008, as described in the press release attached as Exhibit 99.1 and
incorporated herein by reference.
The data
contained herein is not necessarily indicative of the results which may be
expected for the full year. This data is unaudited and audited
results may vary. Citizens will file Form 10-Q for the quarter ended
March 31, 2008 prior to May 15, 2008. Upon filing, that report will
be available on the SEC’s website,
www.sec.gov
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Item
9.01: Financial Statements and Exhibits
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(c)
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Exhibits
99.1
Press Release Dated April 14,
2008
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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.
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Citizens
Financial Corp.
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/s/
4/14/08
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/s/
Thomas K. Derbyshire
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Vice
President, Treasurer
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Principal
Financial
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