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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. __________)*
CITIZENS FIRST FINANCIAL CORP.
COMMON STOCK PAR VALUE $.01 PER SHARE
174623-10-8
12-31-04
Check the appropriate box to designate the rule pursuant to which this Schedule is filed:
| þ | Rule 13d-1(b) | |
| o | Rule 13d-1(c) | |
| o | Rule 13d-1(d) |
* 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).
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.
SEC 1745 (12-02)
| CUSIP No. 174623-10-8 | 13 G | Page 2 of 6 Pages | ||
| 1. | Names of Reporting
Persons. I.R.S. Identification Nos. of above persons (entities only). CITIZENS SAVINGS BANK, EMPLOYEE STOCK OWNERSHIP PLAN IRS ID NO. 37-1354936 |
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions) |
(a) o
(b) o
| 3. | SEC Use Only |
| 4. | Citizenship or Place of Organization STATE CHARTERED STOCK SAVINGS INSTITUTION'S EMPLOYEE STOCK OWNERSHIP PLAN ORGANIZED IN ILLINOIS |
| 5. | Sole Voting Power 0 SHARES |
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| |
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| Number of | 6. | Shared Voting Power 200,026 SHARES |
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| Shares | ||||
| Beneficially |
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| Owned by Each | 7. | Sole Dispositive Power 200,026 SHARES |
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| Reporting | ||||
| Person |
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| With: | 8. | Shared Dispositive Power -0- SHARES |
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| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person 200,026 SHARES |
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| 10. | Check if the Aggregate Amount
in Row (9) Excludes
Certain Shares (See Instructions) |
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| 11. | Percent of Class Represented
by Amount In Row (9) 12.7% |
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| 12. | Type of Reporting Person (See
Instructions) EP |
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ITEM 1.
| (A) | NAME OF ISSUER: | |||
| CITIZENS FIRST FINANCIAL CORP. | ||||
| (B) | ADDRESS OF ISSUER’S PRINCIPAL EXECUTIVE OFFICES | |||
| 2101 NORTH VETERANS PARKWAY, BLOOMINGTON, ILLINOIS 61704 | ||||
ITEM 2.
| (A) | NAME OF PERSON FILING: | |||
| CITIZENS SAVINGS BANK EMPLOYEE STOCK OWNERSHIP PLAN | ||||
| TRUSTEE: FIRST BANKERS TRUST COMPANY, BROADWAY AT 12TH STREET, QUINCY, ILLINOIS 62305 | ||||
| (B) | ADDRESS OF PRINCIPAL BUSINESS OFFICE OR, IF NONE, RESIDENCE | |||
| 2101 NORTH VETERANS PARKWAY, BLOOMINGTON, ILLINOIS 61704 | ||||
| (C) | CITIZENSHIP | |||
| STATE CHARTERED STOCK SAVINGS INSTITUTION’S EMPLOYEE STOCK OWNERSHIP PLAN ORGANIZED IN ILLINOIS | ||||
| (D) | TITLE OF CLASS OF SECURITIES | |||
| COMMON STOCK PAR VALUE $.01 PER SHARE | ||||
| (E) | CUSIP NUMBER: | |||
| 174623-10-8 | ||||
ITEM 3.
|
IF THIS STATEMENT IS FILED PURSUANT TO §240.13D-1(B) OR §240.13(D)-2(B) OR (C), CHECK WHETHER THE PERSON FILING IS A: |
| (F) | X AN EMPLOYEE BENEFIT PLAN IN ACCORDANCE WITH §240.13d-1(b)(1)(ii)(F) |
Page 3 of 6
ITEM 4.
|
OWNERSHIP |
| (A) | AMOUNT BENEFICIALLY OWNED | |||
| 200,026 SHARES | ||||
| (B) | PERCENT OF CLASS | |||
| 12.7% | ||||
| (C) | NUMBER OF SHARES AS TO WHICH THE PERSON HAS: | |||
| (I) | SOLE POWER TO VOTE OR DIRECT THE VOTE | |||
| 0 SHARES REPRESENTING UNALLOCATED SHARES | ||||
| (II) | SHARED POWER TO VOTE OR DIRECT THE VOTE | |||
| 200,026 REPRESENTING ALLOCATED SHARES | ||||
| (III) | SOLE POWER TO DISPOSE OR TO DIRECT THE DISPOSITION OF | |||
| 200,026 SHARES | ||||
| (IV) | SHARED POWER TO DISPOSE OR DIRECT THE DISPOSITION OF | |||
| -0- SHARES | ||||
ITEM 5.
|
OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS | |
| NOT APPLICABLE | ||
ITEM 6.
|
OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON | |
| NOT APPLICABLE | ||
ITEM 7.
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IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY |
|
| NOT APPLICABLE | ||
ITEM 8.
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IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP | |
| NOT APPLICABLE | ||
ITEM 9.
|
NOTICE OF DISSOLUTION OF GROUP | |
| NOT APPLICABLE |
Page 4 of 6
ITEM 10.
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CERTIFICATION | |
| THE FOLLOWING CERTIFICATION SHALL BE INCLUDED IF THE STATEMENT IS FILED PURSUANT TO RULE 13D-1(B): |
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 WERE NOT ACQUIRED IN CONNECTION WITH OR AS A PARTICIPANT IN ANY TRANSACTION HAVING SUCH PURPOSES OR EFFECT.
Page 5 of 6
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 14, 2005
CITIZENS SAVINGS BANK EMPLOYEE STOCK OWNERSHIP PLAN BY FIRST BANKERS TRUST COMPANY AS TRUSTEE
/s/ Linda Shultz
Page 6 of 6