<TABLE> <S> <C>

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

<S>                             <C>             <C>
<PERIOD-TYPE>                   9-MOS           3-MOS
<FISCAL-YEAR-END>               DEC-31-2000     DEC-31-2000
<PERIOD-START>                  JAN-01-2000     JUL-01-2000
<PERIOD-END>                    SEP-30-2000     SEP-30-2000
<CASH>                            1,879,098       1,879,098
<INT-BEARING-DEPOSITS>               26,174          26,174
<FED-FUNDS-SOLD>                  1,200,000       1,200,000
<TRADING-ASSETS>                          0               0
<INVESTMENTS-HELD-FOR-SALE>       5,860,393       5,860,393
<INVESTMENTS-CARRYING>                    0               0
<INVESTMENTS-MARKET>                      0               0
<LOANS>                          53,235,745      53,235,745
<ALLOWANCE>                         706,620         706,620
<TOTAL-ASSETS>                   63,654,802      63,654,802
<DEPOSITS>                       52,557,271      52,557,271
<SHORT-TERM>                      1,924,000       1,924,000
<LIABILITIES-OTHER>               2,595,493       2,595,493
<LONG-TERM>                               0               0
<PREFERRED-MANDATORY>                     0               0
<PREFERRED>                               0               0
<COMMON>                          7,357,477       7,357,477
<OTHER-SE>                         (779,439)       (779,439)
<TOTAL-LIABILITIES-AND-EQUITY>   63,654,802      63,654,802
<INTEREST-LOAN>                   3,045,253       1,211,847
<INTEREST-INVEST>                   283,117          93,407
<INTEREST-OTHER>                     78,798           7,179
<INTEREST-TOTAL>                  3,407,168       1,312,433
<INTEREST-DEPOSIT>                1,700,489         675,129
<INTEREST-EXPENSE>                1,759,140         702,103
<INTEREST-INCOME-NET>             1,648,028         610,330
<LOAN-LOSSES>                       333,000         126,000
<SECURITIES-GAINS>                   (6,827)           (127)
<EXPENSE-OTHER>                   1,822,302         576,719
<INCOME-PRETAX>                    (323,519)        (15,601)
<INCOME-PRE-EXTRAORDINARY>         (323,519)        (15,601)
<EXTRAORDINARY>                           0               0
<CHANGES>                                 0               0
<NET-INCOME>                       (323,519)        (15,601)
<EPS-BASIC>                           (0.50)          (0.02)
<EPS-DILUTED>                         (0.50)          (0.02)
<YIELD-ACTUAL>                         4.31            4.31
<LOANS-NON>                         141,000         141,000
<LOANS-PAST>                        377,000         377,000
<LOANS-TROUBLED>                          0               0
<LOANS-PROBLEM>                           0               0
<ALLOWANCE-OPEN>                    400,920         581,520
<CHARGE-OFFS>                        27,300             900
<RECOVERIES>                              0               0
<ALLOWANCE-CLOSE>                   706,620         706,620
<ALLOWANCE-DOMESTIC>                      0               0
<ALLOWANCE-FOREIGN>                       0               0
<ALLOWANCE-UNALLOCATED>             706,620         706,620


</TABLE>