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**Citizens        Financial Corp.**

**Certification        Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002**

|   | (a)                    Designed such disclosure controls and procedures, or caused such                  disclosure controls and procedures to be designed under our supervision,                  to ensure that material information relating to the registrant,                  including                  its consolidated subsidiaries, is made known to us by others within                  those                  entities, particularly during the period in which this report is                  being                  prepared; |
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|   | (b)                    Evaluated the effectiveness of the registrant’s disclosurecontrols and                  procedures and presented in this report our conclusions about the                  effectiveness of the disclosure controls and procedures, as of                  the end of                  the period covered by this report based on such evaluation; and |
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|   | (c)                   Disclosed in this report any change in the registrant’s internal control                  over financial reporting that occurred during the registrant’s most recent                  fiscal quarter (the registrant’s fourth fiscal quarter in the case of an                  annual report) that has materially affected, or is reasonably likely                  to                  materially affect, the registrant’s internal control over financial                  reporting; and |
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|   | (a)                   All                  significant deficiencies and material weaknesses in the design                   or                  operation of internal control over financial reporting which are                  reasonably likely to adversely affect the registrant’s ability to record,                  process, summarize and report financial information; and |
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|   | (b)                     Any                    fraud, whether or not material, that involves management or other                    employees who have a significant role in the registrant’s internal control                    over financial reporting. |
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| Date:  | 11/08/06 |   |                                                                                |
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|   |     |   |                                                                                |
|   |     |   | /s/                  Thomas K. Derbyshire                                           |
|   |     |   | Thomas                  K. Derbyshire                                               |
|   |     |   | V.P.,                  Treasurer & Principal Financial                  Officer |

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