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|   | 1. | To      fix the maximum number of Directors at nine(9). |
|--------|----|---------------------------------------------------------|

|   | 2. | To      elect three (3) Directors to serve a full three-year term expiring in      2012.  The nominees are:  Robert N. Alday; Cyrus K.      Kump; and John A. Yeager. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | To      conduct such other business as may properly come before the meeting or any      adjournment thereof. |
|--------|----|--------------------------------------------------------------------------------------------------------------|

|   | 1. | Providing      written notice to Leesa M. Harris, Secretary, Citizens Financial Corp., PO      Box 1519, Elkins, WV 26241 or |
|--------|----|------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | Executing      a proxy bearing a later date or |
|--------|----|------------------------------------------------|

|   | 3. | Voting      in person at the annual meeting the shares represented by the proxy (your      attendance at the annual meeting will not by itself revoke your proxy; you      must vote in person at the annualmeeting). |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Sincerely,           |
|--------|----------------------|
|   |                 |
|   |                 |
|   | Leesa      M. Harris |
|   | Secretary            |

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| 1.                                                                                                                                           | FIX      THE MAXIMUM NUMBER OF DIRECTORS AT NINE (9).                                                                                                             |
|----------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                         |                                                                                                                                                              |   |   |
|                                                                                                                                         | o    FOR                                                                                                                                                          | o      AGAINST | o      ABSTAIN |
|                                                                                                                                         |                                                                                                                                                              |   |   |
| 2.                                                                                                                                           | ELECTION      OF THREE (3) CLASS 3 DIRECTORS (To serve three-year terms until the Annual      Meeting of Stockholders to be held in April, 2012).                 |
|                                                                                                                                         |                                                                                                                                                              |   |   |
|                                                                                                                                         | o FOR ALL NOMINEES      LISTED BELOW   o AGAINST ALL      NOMINEES LISTED BELOW                                                                    |
|                                                                                                                                         |                                                                                                                                                              |   |   |
| (INSTRUCTION:  To      vote against any individual nominee, strike a line through the nominee’s      name in the list below) |
|                                                                                                                                         |                                                                                                                                                              |   |   |
| Robert      N. Alday                                                                                                                         |
| Cyrus      K. Kump                                                                                                                           |
| John      A. Yeager                                                                                                                          |
|                                                                                                                                         |                                                                                                                                                              |   |   |
| 3.                                                                                                                                           | In      the discretion of the Proxy representatives, to vote with respect to other      matters that may come before the meeting or any adjournment      thereof. |

|                               |                        |   |
|------------------------------------|-----------------------------|--------|
| Signature      of Registered Owner |                        |   |
|                               |                        |   |
|                               |                        |   |
|                               |                        |   |
| Signature      of Registered Owner |                        |   |
|                               |                        |   |
|                               | Number      of Shares Held: |   |

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