----

----

| For the quarterly period ended | June 30, 2009 |
|--------------------------------|---------------|

| CITIZENS FINANCIAL CORP.                               |
|--------------------------------------------------------|
| (Exact name of registrant as specified in its charter) |

| 213 Third Street, Elkins, West Virginia                                             | 26241      |
|-------------------------------------------------------------------------------------|------------|
| (Address of principal executive offices)                                            | (Zip Code) |
|                                                                                |
| (304) 636-4095                                                                      |
| (Registrant's telephone number, including area code)                                |
|                                                                                |
| Not Applicable                                                                      |
| (Former name, former address and former fiscal year, if changed since last report.) |

| Large accelerated filer o | Accelerated filer o         |
|---------------------------|-----------------------------|
| Non-accelerated filer o   | Smaller reporting company x |

|                        | Outstanding at  |
|-----------------------------|-----------------|
| Class                       | August 12, 2009 |
|                        |            |
| Common Stock ($2 par value) | 1,829,504       |

----

----

----

FORM 

|     |                                                                                                                                                         |   | Page No.       |
|----------|--------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------|
|     |                                                                                                                                                         |   |           |
| Part I.  | Financial Information                                                                                                                                        |   |           |
|     |                                                                                                                                                         |   |           |
|     | Item 1.  Financial Statements                                                                                                                      |   |           |
|     |                                                                                                                                                         |   |           |
|     | Condensed Consolidated Balance Sheets June 30, 2009 and December 31, 2008                                                                                    |   | 3              |
|     |                                                                                                                                                         |   |           |
|     | Condensed Consolidated Statements of Income Three Months Ended June 30, 2009 and June 30, 2008 and Six Months Ended June 30, 2009 and June 30, 2008          |   | 4              |
|     |                                                                                                                                                         |   |           |
|     | Consolidated Statements of Comprehensive Income/Loss Three Months Ended June 30, 2009 and June 30, 2008 and Six Months Ended June 30, 2009 and June 30, 2008 |   | 5              |
|     |                                                                                                                                                         |   |           |
|     | Condensed Consolidated Statements of Changes in Shareholders' Equity Six Months Ended June 30, 2009 and June 30, 2008                                        |   | 6              |
|     |                                                                                                                                                         |   |           |
|     | Condensed Consolidated Statements of Cash Flows Six Months Ended June 30, 2009 and June 30, 2008                                                             |   | 7              |
|     |                                                                                                                                                         |   |           |
|     | Notes to Condensed Consolidated Financial Statements                                                                                                         |   | 8-18           |
|     |                                                                                                                                                         |   |           |
|     | Item 2.  Management's Discussion and Analysis of Financial Condition and Results of Operations                                                     |   | 18-25          |
|     |                                                                                                                                                         |   |           |
|     | Item 3.  Quantitative and Qualitative Disclosures About Market Risk                                                                                |   | Not Applicable |
|     |                                                                                                                                                         |   |           |
|     | Item 4.  Controls and Procedures                                                                                                                   |   | 26             |
|     |                                                                                                                                                         |   |           |
| Part II. | Other Information and Index to Exhibits                                                                                                                      |   |           |
|     |                                                                                                                                                         |   |           |
|     | Items 1 through 6                                                                                                                                            |   | 27             |
|     |                                                                                                                                                         |   |           |
|     | Signatures                                                                                                                                                   |   | 28             |
|     |                                                                                                                                                         |   |           |
|     | Certification by Executive Officers Pursuant to Sections 302 and 906 of the Sarbanes-Oxley Act of 2002                                                       |   | 29-32          |

----

Index

PART 

|                                                                     |   | June 30,    |    |   | December 31, |   |
|--------------------------------------------------------------------------|--------|-------------|---------|--------|--------------|--------|
|                                                                     |   | 2009        |    |   | 2008         |   |
|                                                                     |   | (Unaudited) |    |   |         | *      |   |
| ASSETS                                                                   |   |        |    |   |         |   |   |
|                                                                     |   |        |    |   |         |   |   |
| Cash and due from banks                                                  |   | $           | 3,103   |   |         | $      | 3,943 |   |
| Interest bearing deposits with other banks                               |   |        | 141     |   |         |   | 9,438 |   |
| Securities available for sale, at fair value                             |   |        | 63,523  |   |         |   | 80,859 |   |
| Restricted Investments                                                   |   |        | 1,653   |   |         |   | 1,192 |   |
| Loans, less allowance for loan losses of $2,324 and $2,232, respectively |   |        | 158,913 |   |         |   | 175,721 |   |
| Premises and equipment, net                                              |   |        | 2,651   |   |         |   | 4,106 |   |
| Accrued interest receivable                                              |   |        | 1,049   |   |         |   | 1,410 |   |
| Other assets                                                             |   |        | 5,350   |   |         |   | 5,865 |   |
| Total Assets                                                             |   | $           | 236,383 |   |         | $      | 282,534 |   |
|                                                                     |   |        |    |   |         |   |   |   |
|                                                                     |   |        |    |   |         |   |   |   |
| LIABILITIES AND SHAREHOLDERS' EQUITY                                     |   |        |    |   |         |   |   |   |
|                                                                     |   |        |    |   |         |   |   |   |
| Deposits:                                                                |   |        |    |   |         |   |   |   |
| Noninterest bearing                                                      |   | $           | 25,619  |   |         | $      | 29,553 |   |
| Interest bearing                                                         |   |        | 150,718 |   |         |   | 187,876 |   |
| Total deposits                                                           |   |        | 176,337 |   |         |   | 217,429 |   |
| Short-term borrowings                                                    |   |        | 25,936  |   |         |   | 31,526 |   |
| Long-term borrowings                                                     |   |        | 7,663   |   |         |   | 7,865 |   |
| Other liabilities                                                        |   |        | 4,904   |   |         |   | 4,873 |   |
| Total liabilities                                                        |   |        | 214,840 |   |         |   | 261,693 |   |
|                                                                     |   |        |    |   |         |   |   |   |
| Commitments and contingencies                                            |   |        | -       |   |         |   | - |   |
|                                                                     |   |        |    |   |         |   |   |   |
| SHAREHOLDERS' EQUITY                                                     |   |        |    |   |         |   |   |   |
|                                                                     |   |        |    |   |         |   |   |   |
| Common stock, $2.00 par value, authorized 4,500,000 issued 2,250,000     |   |        | 4,500   |   |         |   | 4,500 |   |
| Retained earnings                                                        |   |        | 21,945  |   |         |   | 21,110 |   |
| Accumulated other comprehensive loss                                     |   |        | (1,070  | )      |         |   | (937 | ) |
| Treasury stock at cost, 420,496 shares                                   |   |        | (3,832  | )      |         |   | (3,832 | ) |
| Total shareholders' equity                                               |   |        | 21,543  |   |         |   | 20,841 |   |
| Total Liabilities and Shareholders' Equity                               |   | $           | 236,383 |   |         | $      | 282,534 |   |

----

Index

CITIZENS 

|                                                   |   | Three Months Ended |      |   | Six Months Ended |   |
|--------------------------------------------------------|--------|--------------------|-----------|--------|------------------|--------|
|                                                   |   | June 30,           |      |   | June 30,         |   |
|                                                   |   | 2009               |      |   | 2008             |   |   | 2009 |   |   | 2008 |   |
| INTEREST INCOME                                        |   | (Unaudited)        |      |   | (Unaudited)      |   |
|                                                   |   |               |      |   |             |   |   |   |   |   |   |   |
| Interest and fees on loans                             |   | $                  | 2,465     |   |             | $      | 3,001 |   |   | $ | 5,121 |   |   | $ | 6,124 |   |
| Interest and dividends on securities:                  |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Taxable                                                |   |               | 508       |   |             |   | 509 |   |   |   | 1,110 |   |   |   | 902 |   |
| Tax-exempt                                             |   |               | 200       |   |             |   | 202 |   |   |   | 408 |   |   |   | 413 |   |
| Interest on interest bearing deposits with other banks |   |               | 1         |   |             |   | 7 |   |   |   | 40 |   |   |   | 31 |   |
| Interest on federal funds sold                         |   |               | -         |   |             |   | 9 |   |   |   | - |   |   |   | 11 |   |
| Total interest income                                  |   |               | 3,174     |   |             |   | 3,728 |   |   |   | 6,679 |   |   |   | 7,481 |   |
|                                                   |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| INTEREST EXPENSE                                       |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Interest on deposits                                   |   |               | 903       |   |             |   | 1,489 |   |   |   | 1,943 |   |   |   | 3,003 |   |
| Interest on short-term borrowings                      |   |               | 118       |   |             |   | 93 |   |   |   | 235 |   |   |   | 219 |   |
| Interest on long-term borrowings                       |   |               | 72        |   |             |   | 63 |   |   |   | 146 |   |   |   | 94 |   |
| Total interest expense                                 |   |               | 1,093     |   |             |   | 1,645 |   |   |   | 2,324 |   |   |   | 3,316 |   |
| Net interest income                                    |   |               | 2,081     |   |             |   | 2,083 |   |   |   | 4,355 |   |   |   | 4,165 |   |
| Provision for loan losses                              |   |               | 185       |   |             |   | 222 |   |   |   | 294 |   |   |   | 348 |   |
| Net interest income after provision for loan losses    |   |               | 1,896     |   |             |   | 1,861 |   |   |   | 4,061 |   |   |   | 3,817 |   |
|                                                   |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| NONINTEREST INCOME                                     |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                                                   |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Trust department income                                |   |               | 60        |   |             |   | 53 |   |   |   | 126 |   |   |   | 137 |   |
| Brokerage fees                                         |   |               | 23        |   |             |   | 41 |   |   |   | 43 |   |   |   | 89 |   |
| Service fees                                           |   |               | 234       |   |             |   | 272 |   |   |   | 498 |   |   |   | 513 |   |
| Insurance commissions                                  |   |               | 12        |   |             |   | 11 |   |   |   | 23 |   |   |   | 13 |   |
| Security gains                                         |   |               | 86        |   |             |   | 4 |   |   |   | 86 |   |   |   | 4 |   |
| Impairment of securities                               |   |               | (163      | )      |             |   | - |   |   |   | (163 | ) |   |   | - |   |
| Secondary market loan fees                             |   |               | 51        |   |             |   | 16 |   |   |   | 90 |   |   |   | 29 |   |
| Gain on sale of branches                               |   |               | 465       |   |             |   | - |   |   |   | 465 |   |   |   | - |   |
| Gain on postretirement plan curtailment                |   |               | 108       |   |             |   | - |   |   |   | 108 |   |   |   | - |   |
| Other                                                  |   |               | 47        |   |             |   | 53 |   |   |   | 105 |   |   |   | 119 |   |
| Total noninterest income                               |   |               | 923       |   |             |   | 450 |   |   |   | 1,381 |   |   |   | 904 |   |
|                                                   |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| NONINTEREST EXPENSE                                    |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                                                   |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Salaries and employee benefits                         |   |               | 994       |   |             |   | 994 |   |   |   | 1,962 |   |   |   | 1,896 |   |
| Net occupancy expense                                  |   |               | 92        |   |             |   | 106 |   |   |   | 208 |   |   |   | 222 |   |
| Equipment expense                                      |   |               | 82        |   |             |   | 92 |   |   |   | 173 |   |   |   | 191 |   |
| Data processing                                        |   |               | 176       |   |             |   | 141 |   |   |   | 336 |   |   |   | 288 |   |
| Director fees                                          |   |               | 67        |   |             |   | 69 |   |   |   | 137 |   |   |   | 129 |   |
| Postage                                                |   |               | 33        |   |             |   | 42 |   |   |   | 70 |   |   |   | 95 |   |
| Professional service fees                              |   |               | 81        |   |             |   | 68 |   |   |   | 144 |   |   |   | 144 |   |
| Stationery                                             |   |               | 33        |   |             |   | 31 |   |   |   | 70 |   |   |   | 60 |   |
| Software expense                                       |   |               | 57        |   |             |   | 60 |   |   |   | 126 |   |   |   | 125 |   |
| FDIC insurance assessment                              |   |               | 185       |   |             |   | 28 |   |   |   | 243 |   |   |   | 56 |   |
| Other                                                  |   |               | 247       |   |             |   | 246 |   |   |   | 548 |   |   |   | 471 |   |
| Total noninterest expense                              |   |               | 2,047     |   |             |   | 1,877 |   |   |   | 4,017 |   |   |   | 3,677 |   |
|                                                   |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Income before income taxes                             |   |               | 772       |   |             |   | 434 |   |   |   | 1,425 |   |   |   | 1,044 |   |
| Income tax expense                                     |   |               | 236       |   |             |   | 81 |   |   |   | 371 |   |   |   | 229 |   |
| Net income                                             |   | $                  | 536       |   |             | $      | 353 |   |   | $ | 1,054 |   |   | $ | 815 |   |
| Basic and fully diluted earnings per common share      |   | $                  | 0.29      |   |             | $      | 0.19 |   |   | $ | 0.58 |   |   | $ | 0.45 |   |
|                                                   |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Weighted average shares outstanding                    |   |               | 1,829,504 |   |             |   | 1,829,504 |   |   |   | 1,829,504 |   |   |   | 1,829,504 |   |
|                                                   |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Dividends per common share                             |   | $                  | 0.12      |   |             | $      | 0.12 |   |   | $ | 0.12 |   |   | $ | 0.24 |   |

----

Index

CITIZENS 

|                                                                                   |   | Three Months Ended |   |   | Six Months Ended |   |
|----------------------------------------------------------------------------------------|--------|--------------------|--------|--------|------------------|--------|
|                                                                                   |   | June 30            |   |   | June 30          |   |
|                                                                                   |   | 2009               |   |   | 2008             |   |   | 2009 |   |   | 2008 |   |
|                                                                                   |   | (Unaudited)        |   |   | (Unaudited)      |   |
|                                                                                   |   |               |   |   |             |   |   |   |   |   |   |   |
| Net income                                                                             |   | $                  | 536    |   |             | $      | 353 |   |   | $ | 1,054 |   |   | $ | 815 |   |
|                                                                                   |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Other comprehensive income:                                                            |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Gross unrealized gain arising during the period                                        |   |               | (646   | )      |             |   | (1,368 | ) |   |   | (384 | ) |   |   | (715 | ) |
| Adjustment for income tax benefit                                                      |   |               | 245    |   |             |   | 520 |   |   |   | 146 |   |   |   | 272 |   |
|                                                                                   |   |               | (401   | )      |             |   | (848 | ) |   |   | (238 | ) |   |   | (443 | ) |
|                                                                                   |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Add:  Reclassification adjustment for losses on impairment of securities     |   |               | 163    |   |             |   | - |   |   |   | 163 |   |   |   | - |   |
| Adjustment for income tax benefit                                                      |   |               | (63    | )      |             |   | - |   |   |   | (63 | ) |   |   | - |   |
|                                                                                   |   |               | 100    |   |             |   | - |   |   |   | 100 |   |   |   | - |   |
|                                                                                   |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Less:  Reclassification adjustment for gains/(losses) included in net income |   |               | 86     |   |             |   | (4 | ) |   |   | 86 |   |   |   | (4 | ) |
| Adjustment for income tax benefit/(expense)                                            |   |               | (33    | )      |             |   | 1 |   |   |   | (33 | ) |   |   | 1 |   |
|                                                                                   |   |               | 53     |   |             |   | (3 | ) |   |   | 53 |   |   |   | (3 | ) |
|                                                                                   |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Change in other post-retirement plan benefit obligations                               |   |               | 21     |   |             |   | - |   |   |   | 21 |   |   |   | - |   |
| Adjustment for income tax expense                                                      |   |               | (8     | )      |             |   | - |   |   |   | (8 | ) |   |   | - |   |
|                                                                                   |   |               | 13     |   |             |   | - |   |   |   | 13 |   |   |   | - |   |
|                                                                                   |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                   |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Other post-retirement plan curtailment                                                 |   |               | 72     |   |             |   | - |   |   |   | 72 |   |   |   | - |   |
| Adjustment for income tax expense                                                      |   |               | (27    | )      |             |   | - |   |   |   | (27 | ) |   |   | - |   |
|                                                                                   |   |               | 45     |   |             |   | - |   |   |   | 45 |   |   |   | - |   |
|                                                                                   |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                   |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Other comprehensive loss, net of tax                                                   |   |               | (296   | )      |             |   | (851 | ) |   |   | (133 | ) |   |   | (446 | ) |
|                                                                                   |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Comprehensive income/(loss)                                                            |   | $                  | 240    |   |             | $      | (498 | ) |   | $ | 921 |   |   | $ | 369 |   |

----

Index

CITIZENS 

|                                                                                   |   | Six Months Ended June 30, 2009 and 2008 |      |
|----------------------------------------------------------------------------------------|--------|-----------------------------------------|-----------|
|                                                                                   |   | (unaudited)                             |      |
|                                                                                   |   |                                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                   |   |                                    |      |   |   |   |   |   |   |   | Accumulated |   |   |   |   |   |   |   |
|                                                                                   |   |                                    |      |   |   |   |   |   |   |   | Other |   |   |   |   |   | Total |   |
|                                                                                   |   | Common Stock                            |      |   | Retained |   |   | Comprehensive |   |   | Treasury |   |   | Shareholders' |   |
|                                                                                   |   | Shares                                  |      |   | Amount |   |   | Earnings |   |   | Income/(Loss) |   |   | Stock |   |   | Equity |   |
|                                                                                   |   |                                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance, January 1, 2009                                                               |   |                                    | 2,250,000 |   |   | $ | 4,500 |   |   | $ | 21,110 |   |   | $ | (937 | ) |   | $ | (3,832 | ) |   | $ | 20,841 |   |
| Net income                                                                             |   |                                    | -         |   |   |   | - |   |   |   | 1,054 |   |   |   | - |   |   |   | - |   |   |   | 1,054 |   |
| Other comprehensive income, net of tax                                                 |   |                                    | -         |   |   |   | - |   |   |   | - |   |   |   | (133 | ) |   |   | - |   |   |   | (133 | ) |
| Cash dividends declared ($0.12 per share)                                              |   |                                    | -         |   |   |   | - |   |   |   | (219 | ) |   |   | - |   |   |   | - |   |   |   | (219 | ) |
|                                                                                   |   |                                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance June 30, 2009                                                                  |   |                                    | 2,250,000 |   |   | $ | 4,500 |   |   | $ | 21,945 |   |   | $ | (1,070 | ) |   | $ | (3,832 | ) |   | $ | 21,543 |   |
|                                                                                   |   |                                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                   |   |                                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance, January 1, 2008                                                               |   |                                    | 2,250,000 |   |   | $ | 4,500 |   |   | $ | 20,999 |   |   |   | (586 | ) |   | $ | (3,832 | ) |   | $ | 21,081 |   |
| Net income                                                                             |   |                                    | -         |   |   |   | - |   |   |   | 815 |   |   |   | - |   |   |   | - |   |   |   | 815 |   |
| Other comprehensive income, net of tax                                                 |   |                                    | -         |   |   |   | - |   |   |   | - |   |   |   | (446 | ) |   |   | - |   |   |   | (446 | ) |
| Cash dividends declared ($0.24 per share)                                              |   |                                    | -         |   |   |   | - |   |   |   | (439 | ) |   |   | - |   |   |   | - |   |   |   | (439 | ) |
| Effect of initial application of emerging issues task force issue No. 06-4, net of tax |   |                                    | -         |   |   |   | - |   |   |   | (53 | ) |   |   | - |   |   |   | - |   |   |   | (53 | ) |
| Effect of changing pension plan measurement date pursuant to SFAS No. 158, net of tax  |   |                                    | -         |   |   |   | - |   |   |   | (20 | ) |   |   | - |   |   |   | - |   |   |   | (20 | ) |
|                                                                                   |   |                                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance June 30, 2008                                                                  |   |                                    | 2,250,000 |   |   | $ | 4,500 |   |   | $ | 21,302 |   |   | $ | (1,032 | ) |   | $ | (3,832 | ) |   | $ | 20,938 |   |

----

Index

CITIZENS 

|                                                                          |   | Six Months Ended |    |
|-------------------------------------------------------------------------------|--------|------------------|---------|
|                                                                          |   | June 30,         |    |
|                                                                          |   | 2009             |    |   | 2008 |   |
|                                                                          |   | (Unaudited)      |    |
| Cash flows from operating activities:                                         |   |             |    |   |   |   |
| Net Income                                                                    |   | $                | 1,054   |   |   | $ | 815 |   |
| Adjustments to reconcile net income to cash provided by operating activities: |   |             |    |   |   |   |   |   |
| Provision for loan losses                                                     |   |             | 294     |   |   |   | 348 |   |
| Depreciation and amortization                                                 |   |             | 137     |   |   |   | 159 |   |
| Amortization/(accretion) on securities                                        |   |             | (3      | ) |   |   | 4 |   |
| Gain on sale/call of securities                                               |   |             | (86     | ) |   |   | (4 | ) |
| Impairment of securities                                                      |   |             | 163     |   |   |   | - |   |
| Loss on sale of other real estate                                             |   |             | 4       |   |   |   | - |   |
| Gain on sale of branches                                                      |   |             | (465    | ) |   |   | - |   |
| Gain on postretirement plan curtailment                                       |   |             | (108    | ) |   |   | - |   |
| Decrease in accrued interest receivable                                       |   |             | 361     |   |   |   | 16 |   |
| (Increase)/decrease in other assets                                           |   |             | 585     |   |   |   | (246 | ) |
| Increase in other liabilities                                                 |   |             | 103     |   |   |   | 709 |   |
| Cash provided by operating activities                                         |   |             | 2,039   |   |   |   | 1,801 |   |
|                                                                          |   |             |    |   |   |   |   |   |
| Cash flows from investing activities:                                         |   |             |    |   |   |   |   |   |
| Principal payments on available for sale securities                           |   |             | 3,962   |   |   |   | 1,807 |   |
| Proceeds from sales of available for sale securities                          |   |             | 1,918   |   |   |   | 484 |   |
| Proceeds from maturities and calls, available for sale securities             |   |             | 14,345  |   |   |   | 12,110 |   |
| Purchases of available for sale securities                                    |   |             | (3,733  | ) |   |   | (32,021 | ) |
| Proceeds from sale of other real estate                                       |   |             | 126     |   |   |   | 248 |   |
| Proceeds from sale of premises and equipment                                  |   |             | 1,086   |   |   |   | - |   |
| Purchases of premises and equipment                                           |   |             | (73     | ) |   |   | (71 | ) |
| Proceeds from sale of branch loans                                            |   |             | 13,713  |   |   |   | - |   |
| (Increase)/decrease in loans                                                  |   |             | 2,728   |   |   |   | (4,453 | ) |
| Cash provided/(used) by investing activities                                  |   |             | 34,072  |   |   |   | (21,896 | ) |
|                                                                          |   |             |    |   |   |   |   |   |
| Cash flows from financing activities:                                         |   |             |    |   |   |   |   |   |
| Cash dividends paid                                                           |   |             | (219    | ) |   |   | (439 | ) |
| Decrease in short-term borrowing                                              |   |             | (5,590  | ) |   |   | (4,659 | ) |
| Acquisition of long-term borrowing                                            |   |             | -       |   |   |   | 5,530 |   |
| Repayment of long-term borrowing                                              |   |             | (202    | ) |   |   | (186 | ) |
| Cash paid for sale of branch deposits                                         |   |             | (21,277 | ) |   |   | - |   |
| Increase/(decrease) in time deposits                                          |   |             | (17,430 | ) |   |   | 3,430 |   |
| Increase/(decrease) in other deposits                                         |   |             | (1,530  | ) |   |   | 18,257 |   |
| Cash provided/(used) by financing activities                                  |   |             | (46,248 | ) |   |   | 21,933 |   |
|                                                                          |   |             |    |   |   |   |   |   |
| Net (decrease)/increase in cash and cash equivalents                          |   |             | (10,137 | ) |   |   | 1,838 |   |
| Cash and cash equivalents at beginning of period                              |   |             | 13,381  |   |   |   | 7,062 |   |
|                                                                          |   |             |    |   |   |   |   |   |
| Cash and cash equivalents at end of period                                    |   | $                | 3,244   |   |   | $ | 8,900 |   |
|                                                                          |   |             |    |   |   |   |   |   |
| Supplemental disclosure of cash flow information:                             |   |             |    |   |   |   |   |   |
| Cash paid during the period for:                                              |   |             |    |   |   |   |   |   |
| Interest                                                                      |   | $                | 2,342   |   |   | $ | 3,268 |   |
| Income taxes                                                                  |   | $                | 246     |   |   | $ | 178 |   |
|                                                                          |   |             |    |   |   |   |   |   |
| Supplemental disclosure of noncash investing and Financing activities:        |   |             |    |   |   |   |   |   |
| Other real estate and other assets acquired in settlement of loans            |   | $                | 73      |   |   | $ | 248 |   |
| Unrealized gain on securities available for sale                              |   | $                | (307    | ) |   | $ | (719 | ) |

----

Index

CITIZENS 

|                                                                 |   | June 30, 2009  |   |
|----------------------------------------------------------------------|--------|----------------|--------|
|                                                                 |   | Amortized Cost |   |   | Unrealized Gains |   |   | Unrealized Losses |   |   | Carrying Value (Estimated Fair Value) |   |
|                                                                 |   | (Unaudited)    |   |
|                                                                 |   |           |   |   |   |   |   |   |   |   |   |   |
| Available for sale:                                                  |   |           |   |   |   |   |   |   |   |   |   |   |
| U.S. Government agencies and corporations                            |   | $              | 20,616 |   |   | $ | 330 |   |   | $ | - |   |   | $ | 20,946 |   |
| Mortgage backed securities-U.S. Government agencies and corporations |   |           | 17,432 |   |   |   | 461 |   |   |   | 6 |   |   |   | 17,887 |   |
| Corporate debt securities                                            |   |           | 2,996  |   |   |   | 33 |   |   |   | 70 |   |   |   | 2,959 |   |
|                                                                 |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tax exempt state and political subdivisions                          |   |           | 21,233 |   |   |   | 506 |   |   |   | 8 |   |   |   | 21,731 |   |
|                                                                 |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total securities available for sale                                  |   | $              | 62,277 |   |   | $ | 1,330 |   |   | $ | 84 |   |   | $ | 63,523 |   |

----

Index

|                                                                 |   | December, 31, 2008* |   |
|----------------------------------------------------------------------|--------|---------------------|--------|
|                                                                 |   | Amortized Cost      |   |   | Unrealized Gains |   |   | Unrealized Losses |   |   | Carrying Value (Estimated Fair Value) |   |
|                                                                 |   | (Unaudited)         |   |
|                                                                 |   |                |   |   |   |   |   |   |   |   |   |   |
| Available for sale:                                                  |   |                |   |   |   |   |   |   |   |   |   |   |
| U.S. Government agencies and corporations                            |   | $                   | 30,192 |   |   | $ | 726 |   |   | $ | - |   |   | $ | 30,918 |   |
| Mortgage backed securities-U.S. Government agencies and corporations |   |                | 21,032 |   |   |   | 554 |   |   |   | 11 |   |   |   | 21,575 |   |
| Corporate debt securities                                            |   |                | 5,133  |   |   |   | 1 |   |   |   | 59 |   |   |   | 5,075 |   |
| Tax exempt state and political subdivisions                          |   |                | 22,948 |   |   |   | 391 |   |   |   | 49 |   |   |   | 23,291 |   |
| Total securities available for sale                                  |   | $                   | 79,305 |   |   | $ | 1,672 |   |   | $ | 119 |   |   | $ | 80,859 |   |

|                                                                 |   | June 30, 2009                 |   |
|----------------------------------------------------------------------|--------|-------------------------------|--------|
|                                                                 |   | Securities Available for Sale |   |
|                                                                 |   | Less Than 12 Months           |   |   | 12 Months or More |   |   | Total |   |
|                                                                 |   | Fair                          |   |   | Unrealized |   |   | Fair |   |   | Unrealized |   |   | Fair |   |   | Unrealized |   |
|                                                                 |   | Value                         |   |   | Losses |   |   | Value |   |   | Losses |   |   | Value |   |   | Losses |   |
| U.S. Government agencies and corporations                            |   | $                             | -      |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |
| Mortgage backed securities-U.S. Government agencies and corporations |   |                          | 219    |   |   |   | 1 |   |   |   | 621 |   |   |   | 5 |   |   |   | 840 |   |   |   | 6 |   |
| Corporate debt securities                                            |   |                          | -      |   |   |   | - |   |   |   | 1,923 |   |   |   | 70 |   |   |   | 1,923 |   |   |   | 70 |   |
| Tax exempt state and political subdivisions                          |   |                          | -      |   |   |   | - |   |   |   | 1,079 |   |   |   | 8 |   |   |   | 1,079 |   |   |   | 8 |   |
| Total securities available for sale                                  |   | $                             | 219    |   |   | $ | 1 |   |   | $ | 3,623 |   |   | $ | 83 |   |   | $ | 3,842 |   |   | $ | 84 |   |

----

Index

|                                                                 |   | December 31, 2008*            |   |
|----------------------------------------------------------------------|--------|-------------------------------|--------|
|                                                                 |   | Securities Available for Sale |   |
|                                                                 |   | Less Than 12 Months           |   |   | 12 Months or More |   |   | Total |   |
|                                                                 |   | Fair                          |   |   | Unrealized |   |   | Fair |   |   | Unrealized |   |   | Fair |   |   | Unrealized |   |
|                                                                 |   | Value                         |   |   | Losses |   |   | Value |   |   | Losses |   |   | Value |   |   | Losses |   |
| U.S. Government agencies and corporations                            |   | $                             | -      |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |
| Mortgage backed securities-U.S. Government agencies and corporations |   |                          | -      |   |   |   | - |   |   |   | 660 |   |   |   | 11 |   |   |   | 660 |   |   |   | 11 |   |
| Corporate debt securities                                            |   |                          | 3,436  |   |   |   | 59 |   |   |   | - |   |   |   | - |   |   |   | 3,436 |   |   |   | 59 |   |
| Tax exempt state and political subdivisions                          |   |                          | 639    |   |   |   | 9 |   |   |   | 1,449 |   |   |   | 40 |   |   |   | 2,088 |   |   |   | 49 |   |
| Total securities available for sale                                  |   | $                             | 4,075  |   |   | $ | 68 |   |   | $ | 2,109 |   |   | $ | 51 |   |   | $ | 6,184 |   |   | $ | 119 |   |

|                            |   | Available for sale |   |
|---------------------------------|--------|--------------------|--------|
|                            |   | Amortized          |   |   | Estimated |   |
|                            |   | Cost               |   |   | Fair Value |   |
|                            |   |               |   |   |   |   |
| Due within 1 year               |   | $                  | 12,891 |   |   | $ | 13,019 |   |
| Due after 1 but within 5 years  |   |               | 29,596 |   |   |   | 30,346 |   |
| Due after 5 but within 10 years |   |               | 17,790 |   |   |   | 18,158 |   |
| Due after 10 years              |   |               | 2,000  |   |   |   | 2,000 |   |
|                            |   | $                  | 62,277 |   |   | $ | 63,523 |   |

|                          |   | Proceeds From |   |   | Gross Realized |   |
|-------------------------------|--------|---------------|--------|--------|----------------|--------|
|                          |   |          |   |   | Calls and      |   |   | Principal |   |   |   |   |   |   |   |
|                          |   | Sales         |   |   | Maturities     |   |   | Payments |   |   | Gains |   |   | Losses |   |
|                          |   |          |   |   |           |   |   |   |   |   |   |   |   |   |   |
| June 30, 2009:                |   |          |   |   |           |   |   |   |   |   |   |   |   |   |   |
| Securities available for sale |   | $             | 1,918  |   |           | $      | 14,345 |   |   | $ | 3,962 |   |   | $ | 86 |   |   | $ | - |   |
|                          |   |          |   |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| June 30, 2008:                |   |          |   |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Securities available for sale |   | $             | 484    |   |           | $      | 12,110 |   |   | $ | 1,807 |   |   | $ | 4 |   |   | $ | - |   |

----

Index

|                                         |   | June 30, 2009 |    |   | December 31, 2008 |   |
|----------------------------------------------|--------|---------------|---------|--------|-------------------|--------|
|                                         |   | (Unaudited)   |    |   | *                 |   |
|                                         |   |          |    |   |              |   |
| Commercial, financial and agricultural       |   | $             | 20,459  |   |              | $      | 20,262 |   |
| Real estate - construction                   |   |          | 16,580  |   |              |   | 13,832 |   |
| Real estate – home equity              |   |          | 4,940   |   |              |   | 6,411 |   |
| Real estate – residential mortgage     |   |          | 52,698  |   |              |   | 62,695 |   |
| Real estate – commercial mortgage      |   |          | 53,709  |   |              |   | 59,806 |   |
| Installment loans                            |   |          | 9,643   |   |              |   | 11,424 |   |
| Other                                        |   |          | 3,216   |   |              |   | 3,624 |   |
| Total loans                                  |   |          | 161,245 |   |              |   | 178,054 |   |
|                                         |   |          |    |   |              |   |   |   |
| Less:                                        |   |          |    |   |              |   |   |   |
| Allowance for loan losses                    |   |          | 2,324   |   |              |   | 2,232 |   |
| Net deferred loan origination fees and costs |   |          | 8       |   |              |   | 101 |   |
|                                         |   |          |    |   |              |   |   |   |
| Loans, net                                   |   | $             | 158,913 |   |              | $      | 175,721 |   |

|                                                          |   | June 30, 2009 |   |   | December 31, 2008 |   |
|---------------------------------------------------------------|--------|---------------|--------|--------|-------------------|--------|
| Impaired loans with a valuation allowance                     |   |          | 3,369  |   |              |   | 1,515 |   |
| Impaired loans without a valuation allowance                  |   |          | 708    |   |              |   | 3,482 |   |
| Total impaired loans                                          |   | $             | 4,077  |   |              | $      | 4,997 |   |
|                                                          |   |          |   |   |              |   |   |   |
| Valuation allowance related to impaired loans                 |   | $             | 619    |   |              | $      | 533 |   |
|                                                          |   |          |   |   |              |   |   |   |
| Total nonaccrual loans excluded from impaired loan disclosure |   | $             | 158    |   |              | $      | 595 |   |
|                                                          |   |          |   |   |              |   |   |   |
| Average investment in impaired loans                          |   | $             | 4,175  |   |              | $      | 3,610 |   |
| Interest income recognized on impaired loans                  |   | $             | 16     |   |              | $      | 123 |   |
| Interest income recognized on a cash basis on impaired loans  |   | $             | 31     |   |              | $      | 186 |   |

----

Index

|                               |   | Three Months Ended |   |   | Six Months Ended |   |
|------------------------------------|--------|--------------------|--------|--------|------------------|--------|
|                               |   | June 30,           |   |   | June 30,         |   |
|                               |   | 2009               |   |   | 2008             |   |   | 2009 |   |   | 2008 |   |
|                               |   |               |   |   |             |   |   |   |   |   |   |   |
| Balance at beginning of period     |   | $                  | 2,225  |   |             | $      | 1,921 |   |   | $ | 2,232 |   |   | $ | 1,763 |   |
|                               |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Loans charged off:                 |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Commercial and industrial          |   |               | 16     |   |             |   | 283 |   |   |   | 19 |   |   |   | 283 |   |
| Real estate – res. mortgage  |   |               | 62     |   |             |   | - |   |   |   | 62 |   |   |   | 11 |   |
| Real estate – comm. mortgage |   |               | -      |   |             |   | 24 |   |   |   | 115 |   |   |   | 24 |   |
| Consumer and other                 |   |               | 15     |   |             |   | 1 |   |   |   | 22 |   |   |   | 1 |   |
| Total                              |   |               | 93     |   |             |   | 308 |   |   |   | 218 |   |   |   | 319 |   |
|                               |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Recoveries:                        |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Commercial and industrial          |   |               | 2      |   |             |   | 6 |   |   |   | 2 |   |   |   | 48 |   |
| Real estate – res. mortgage  |   |               | -      |   |             |   | - |   |   |   | - |   |   |   | 1 |   |
| Real estate – comm. mortgage |   |               | 1      |   |             |   | - |   |   |   | 3 |   |   |   | - |   |
| Consumer and other                 |   |               | 4      |   |             |   | 3 |   |   |   | 11 |   |   |   | 3 |   |
| Total recoveries                   |   |               | 7      |   |             |   | 9 |   |   |   | 16 |   |   |   | 52 |   |
|                               |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Net losses                         |   |               | 86     |   |             |   | 299 |   |   |   | 202 |   |   |   | 267 |   |
|                               |   |               |   |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Provision for loan losses          |   |               | 185    |   |             |   | 222 |   |   |   | 294 |   |   |   | 348 |   |
| Balance at end of period           |   | $                  | 2,324  |   |             | $      | 1,844 |   |   | $ | 2,324 |   |   | $ | 1,844 |   |

|                                        |   | June 30, 2009 |    |   | December 31, 2008 |   |
|---------------------------------------------|--------|---------------|---------|--------|-------------------|--------|
|                                        |   | (Unaudited)   |    |   | *                 |   |
|                                        |   |          |    |   |              |   |
| Interest bearing checking                   |   | $             | 30,128  |   |              | $      | 35,106 |   |
| Money market accounts                       |   |          | 5,441   |   |              |   | 5,719 |   |
| Savings accounts                            |   |          | 19,730  |   |              |   | 22,097 |   |
| Certificates of deposit under $100,000      |   |          | 54,806  |   |              |   | 73,692 |   |
| Certificates of deposit of $100,000 or more |   |          | 40,613  |   |              |   | 51,262 |   |
| Total                                       |   | $             | 150,718 |   |              | $      | 187,876 |   |

|                                                                               |   | June 30, 2009 |   |   | December 31, 2008 |   |
|------------------------------------------------------------------------------------|--------|---------------|--------|--------|-------------------|--------|
|                                                                               |   | (Unaudited)   |   |   | *                 |   |
|                                                                               |   |          |   |   |              |   |
| Short-term borrowings:                                                             |   |          |   |   |              |   |
| Securities sold under agreements to repurchase                                     |   | $             | 25,936 |   |              | $      | 28,786 |   |
| Federal funds purchased                                                            |   |          | -      |   |              |   | 1,500 |   |
| Overnight advances from Federal Home Loan Bank of Pittsburgh (FHLB) line of credit |   |          | -      |   |              |   | 1,240 |   |
| Total                                                                              |   | $             | 25,936 |   |              | $      | 31,526 |   |
|                                                                               |   |          |   |   |              |   |   |   |
| Long-term borrowings:                                                              |   |          |   |   |              |   |   |   |
| Advances from FHLB                                                                 |   | $             | 7,663  |   |              | $      | 7,865 |   |

----

Index

|                           |   | Three Months Ended June 30, |   |   | Six Months Ended June 30, |   |
|--------------------------------|--------|-----------------------------|--------|--------|---------------------------|--------|
|                           |   | Pension Benefits            |   |   | Other Benefits            |   |   | Pension Benefits |   |   | Other Benefits |   |
|                           |   | 2009                        |   |   | 2008                      |   |   | 2009 |   |   | 2008 |   |   | 2009 |   |   | 2008 |   |   | 2009 |   |   | 2008 |   |
|                           |   |                        |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Service cost                   |   | $                           | 34     |   |                      | $      | 50 |   |   | $ | 4 |   |   | $ | 4 |   |   | $ | 68 |   |   | $ | 79 |   |   | $ | 8 |   |   | $ | 8 |   |
| Interest cost                  |   |                        | 84     |   |                      |   | 80 |   |   |   | 7 |   |   |   | 7 |   |   |   | 169 |   |   |   | 154 |   |   |   | 15 |   |   |   | 15 |   |
| Expected return on plan assets |   |                        | (88    | )      |                      |   | (88 | ) |   |   | - |   |   |   | - |   |   |   | (177 | ) |   |   | (176 | ) |   |   | - |   |   |   | - |   |
| Net amortization and deferral  |   |                        | 29     |   |                      |   | 22 |   |   |   | 3 |   |   |   | 3 |   |   |   | 57 |   |   |   | 36 |   |   |   | 6 |   |   |   | 6 |   |
| Net periodic cost              |   | $                           | 59     |   |                      | $      | 64 |   |   | $ | 14 |   |   | $ | 14 |   |   | $ | 117 |   |   | $ | 93 |   |   | $ | 29 |   |   | $ | 29 |   |

| Financial instruments whose contract amounts represent credit risk |   | June 30, 2009(unaudited) |   |   | December 31, 2008* |   |
|--------------------------------------------------------------------|--------|--------------------------|--------|--------|--------------------|--------|
| (in thousands)                                                     |   |                     |   |   |               |   |
| Commitments to extend credit                                       |   | $                        | 21,553 |   |               | $      | 25,319 |   |
| Standby letters of credit                                          |   |                     | 724    |   |               |   | 751 |   |
| Total                                                              |   | $                        | 22,277 |   |               | $      | 26,070 |   |

----

Index

| Level 1 | Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. |
|---------|---------------------------------------------------------------------------------------------------------------------------|

| Level 2 | Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. |
|---------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Level 3 | Inputs to the valuation methodology are unobservable and significant to the fair value measurement. |
|---------|-----------------------------------------------------------------------------------------------------|

----

Index

----

Index

|                                       |   | June 30, 2009 |    |   | December 31, 2008 |   |
|--------------------------------------------|--------|---------------|---------|--------|-------------------|--------|
|                                       |   |          |    |   | Estimated         |   |   |   |   |   | Estimated |   |
|                                       |   | Carrying      |    |   | Fair              |   |   | Carrying |   |   | Fair |   |
|                                       |   | Value         |    |   | Value             |   |   | Value |   |   | Value |   |
| Financial assets:                          |   |          |    |   |              |   |   |   |   |   |   |   |
| Cash and due from banks                    |   | $             | 3,103   |   |              | $      | 3,103 |   |   | $ | 3,943 |   |   | $ | 3,943 |   |
| Interest bearing deposits with other banks |   |          | 141     |   |              |   | 141 |   |   |   | 9,438 |   |   |   | 9,438 |   |
| Securities available for sale              |   |          | 63,523  |   |              |   | 63,523 |   |   |   | 80,859 |   |   |   | 80,859 |   |
| Loans, net                                 |   |          | 158,913 |   |              |   | 156,551 |   |   |   | 175,721 |   |   |   | 182,051 |   |
| Accrued interest receivable                |   |          | 1,049   |   |              |   | 1,049 |   |   |   | 1,410 |   |   |   | 1,410 |   |
|                                       |   |          |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Financial liabilities:                     |   |          |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                   |   | $             | 176,337 |   |              | $      | 177,906 |   |   | $ | 217,429 |   |   | $ | 219,262 |   |
| Short-term borrowings                      |   |          | 25,936  |   |              |   | 25,936 |   |   |   | 31,526 |   |   |   | 31,526 |   |
| Long-term borrowings                       |   |          | 7,663   |   |              |   | 7,748 |   |   |   | 7,865 |   |   |   | 8,073 |   |
| Accrued interest payable                   |   |          | 469     |   |              |   | 469 |   |   |   | 486 |   |   |   | 486 |   |

----

Index

----

Index

Part 

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Index

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Part 

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Index

PART 

| Item 1. | Legal Proceedings:  As of June 30, 2009 Citizens Financial Corp. is involved in various legal proceedings which occur in the normal course of business.  We believe all such litigation will be resolved without materially affecting our financial position or results of operations.  There are no other material proceedings knownto be threatened or contemplated against either Citizens Financial Corp. or Citizens Bank of West Virginia, Inc. |
|---------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Item 2.  | Unregistered Sales of Equity Securities and Use of Proceeds:    None. |
|---------------|-------------------------------------------------------------------------------------------|

| Item 3.  | Defaults upon Senior Securities:    None. |
|---------------|---------------------------------------------------------------|

| Item 4. | Submission of Matters to a Vote of Security Holders:  The annual meeting of shareholders of Citizens Financial Corp. was held on April 15, 2009. The shareholders determined that the maximum number of directors would be fixed at nine and that directors Robert N. Alday, Cyrus K. Kump, and John A. Yeager will serve three year terms ending in April2012.  Each of these directors was unopposed. |
|---------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Item 5.  | Other Information:     None. |
|---------------|-------------------------------------------------------|

| Item 6.  | Exhibits and Reports on Form 8-K: |
|---------------|-----------------------------------|

|   | (a)  Exhibits: | The following exhibits are filed with this report: |
|--------|--------------------------|----------------------------------------------------|

|   | Exhibit No. | Description of Exhibit |
|--------|-------------|------------------------|

|   | 31.1 | Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350 |
|--------|------|-------------------------------------------------------------------------------------------------|

|   | 31.2 | Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350 |
|--------|------|-------------------------------------------------------------------------------------------------|

|   | 32.1 | Certification Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350 |
|--------|------|-------------------------------------------------------------------------------------------------|

|   | 32.2 | Certification Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350 |
|--------|------|-------------------------------------------------------------------------------------------------|

----

Index

SIGNATURES

|   | CITIZENS FINANCIAL CORP.      |
|--------|-------------------------------|
|   |                          |
| Date:  | 8/12/09                       |   | /s/Robert J. Schoonover |   |
|   | Robert J. Schoonover          |
|   | President and                 |
|   | Chief Executive Officer       |
|   |                          |
| Date:  | 8/12/09                       |   | /s/Thomas K. Derbyshire |   |
|   | Thomas K. Derbyshire          |
|   | Vice President, Treasurer and |
|   | Principal Financial Officer   |

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