<TABLE> <S> <C>


<ARTICLE>                                            9
<CIK>                                             1073475
<NAME>                                  Citizens First Corporation

<S>                                           <C>               <C>
<PERIOD-TYPE>                                  6-MOS             3-MOS
<FISCAL-YEAR-END>                              Dec-31-1999       Dec-31-1999
<PERIOD-START>                                 Jan-01-1999       Apr-01-1999
<PERIOD-END>                                   Jun-30-1999       Jun-30-1999
<CASH>                                           739,873           739,873
<INT-BEARING-DEPOSITS>                           231,593           231,593
<FED-FUNDS-SOLD>                               1,950,000         1,950,000
<TRADING-ASSETS>                                       0                 0
<INVESTMENTS-HELD-FOR-SALE>                    4,838,248         4,838,248
<INVESTMENTS-CARRYING>                                 0                 0
<INVESTMENTS-MARKET>                                   0                 0
<LOANS>                                       12,192,573        12,192,573
<ALLOWANCE>                                      122,500           122,500
<TOTAL-ASSETS>                                21,834,899        21,834,899
<DEPOSITS>                                    13,877,201        13,877,201
<SHORT-TERM>                                      77,860            77,860
<LIABILITIES-OTHER>                              398,751           398,751
<LONG-TERM>                                            0                 0
<PREFERRED-MANDATORY>                                  0                 0
<PREFERRED>                                            0                 0
<COMMON>                                       7,357,477         7,357,477
<OTHER-SE>                                       123,610           123,610
<TOTAL-LIABILITIES-AND-EQUITY>                21,834,899        21,834,899
<INTEREST-LOAN>                                  178,075           166,590
<INTEREST-INVEST>                                 54,113            47,947
<INTEREST-OTHER>                                  71,719            34,794
<INTEREST-TOTAL>                                 303,907           249,331
<INTEREST-DEPOSIT>                                79,850            71,822
<INTEREST-EXPENSE>                                92,068            72,148
<INTEREST-INCOME-NET>                            211,839           177,183
<LOAN-LOSSES>                                    122,500            97,500
<SECURITIES-GAINS>                               889,245           145,539
<EXPENSE-OTHER>                                  974,684           514,969
<INCOME-PRETAX>                                   48,596          (246,868)
<INCOME-PRE-EXTRAORDINARY>                       (14,949)         (256,550)
<EXTRAORDINARY>                                        0                 0
<CHANGES>                                              0                 0
<NET-INCOME>                                     (14,949)         (256,550)
<EPS-BASIC>                                         (.03)             (.40)
<EPS-DILUTED>                                       (.03)             (.40)
<YIELD-ACTUAL>                                      4.69              4.82
<LOANS-NON>                                            0                 0
<LOANS-PAST>                                           0                 0
<LOANS-TROUBLED>                                       0                 0
<LOANS-PROBLEM>                                        0                 0
<ALLOWANCE-OPEN>                                       0            25,000
<CHARGE-OFFS>                                          0                 0
<RECOVERIES>                                           0                 0
<ALLOWANCE-CLOSE>                                122,500           122,500
<ALLOWANCE-DOMESTIC>                                   0                 0
<ALLOWANCE-FOREIGN>                                    0                 0
<ALLOWANCE-UNALLOCATED>                          122,500           122,500




</TABLE>