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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 disclosure  controls                      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 |   |                                                   |
|--------|----------|--------|--------------------------------------------------------|
|   |     |   |                                                   |
|   |     |   | /s/                  Robert J. Schoonover              |
|   |     |   | Robert                  J. Schoonover                  |
|   |     |   | President                  and Chief Executive Officer |

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