Edgar Filing: CITIZENS FINANCIAL CORP /KY/

Ownership Submission

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person ^*

Â Williams Michael Stewart

2. Date of Event Requiring Statement (Month/Day/Year)
05/26/2005

3. Issuer Name and Ticker or Trading Symbol
CITIZENS FINANCIAL CORP /KY/ [CNFL]

(Last)

(First)

(Middle)

506 DRAYTON HALL BLVD.

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

_____ Director	_____ 10% Owner
__X__ Officer (give title below)	_____ Other (specify below)
See remarks

5. If Amendment, Date Original Filed(Month/Day/Year)

(Street)

DUNCAN,Â SCÂ 29334

6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person

(City)

(State)

(Zip)

Table I - Non-Derivative Securities Beneficially Owned

1.Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Class A Common Stock	0	D ⁽¹⁾	Â

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.			SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Reporting Owners

Reporting Owner Name / Address	Relationships
Reporting Owner Name / Address	Director	10% Owner	Officer	Other
Williams Michael Stewart 506 DRAYTON HALL BLVD. DUNCAN,Â SCÂ 29334	Â	Â	Â See remarks	Â

Signatures

/s/ Michael Stewart Williams		06/03/2005
^**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 5(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Owns no shares of Issuer.
Â Remarks: ViceÂ PresidentÂ ofÂ MarketingÂ forÂ LifeÂ &Â HealthÂ ProductsÂ ofÂ CitizensÂ FinancialÂ Corporation,Â SeniorÂ ViceÂ PresidentÂ ofÂ MarketingÂ forÂ LifeÂ &Â HealthÂ ProductsÂ ofÂ CitizensÂ SecurityÂ LifeÂ InsuranceÂ Company,Â UnitedÂ LibertyÂ LifeÂ InsuranceÂ CompanyÂ andÂ CitizensÂ InsuranceÂ Company,Â eachÂ ofÂ whichÂ isÂ aÂ directÂ orÂ indirectÂ ofÂ theÂ CitizensÂ FinancialÂ Corporation.

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