<TABLE> <S> <C>


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

<S>                                 <C>               <C>
<PERIOD-TYPE>                       9-mos              3-mos
<FISCAL-YEAR-END>                   Dec-31-1999        Dec-31-1999
<PERIOD-START>                      Jan-01-1999        Jul-01-1999
<PERIOD-END>                        Sep-30-1999        Sep-30-1999
<CASH>                                1,028,255          1,028,255
<INT-BEARING-DEPOSITS>                    8,766              8,766
<FED-FUNDS-SOLD>                      2,900,000          2,900,000
<TRADING-ASSETS>                              0                  0
<INVESTMENTS-HELD-FOR-SALE>           4,956,621          4,956,621
<INVESTMENTS-CARRYING>                        0                  0
<INVESTMENTS-MARKET>                          0                  0
<LOANS>                              19,846,267         19,846,267
<ALLOWANCE>                             242,500            242,500
<TOTAL-ASSETS>                       30,502,183         30,502,183
<DEPOSITS>                           21,857,713         21,857,713
<SHORT-TERM>                          1,114,532          1,114,532
<LIABILITIES-OTHER>                     409,368            409,368
<LONG-TERM>                                   0                  0
<PREFERRED-MANDATORY>                         0                  0
<PREFERRED>                                   0                  0
<COMMON>                              7,357,477          7,357,477
<OTHER-SE>                             (236,907)          (236,907)
<TOTAL-LIABILITIES-AND-EQUITY>       30,502,183         30,502,183
<INTEREST-LOAN>                         545,787            367,712
<INTEREST-INVEST>                       111,291             57,178
<INTEREST-OTHER>                        107,603             35,884
<INTEREST-TOTAL>                        764,681            460,774
<INTEREST-DEPOSIT>                      253,194            173,344
<INTEREST-EXPENSE>                      272,577            180,509
<INTEREST-INCOME-NET>                   492,104            280,265
<LOAN-LOSSES>                           242,500            120,000
<SECURITIES-GAINS>                      889,245                  0
<EXPENSE-OTHER>                       1,525,636            550,952
<INCOME-PRETAX>                        (307,368)          (355,964)
<INCOME-PRE-EXTRAORDINARY>             (368,125)          (353,176)
<EXTRAORDINARY>                               0                  0
<CHANGES>                                     0                  0
<NET-INCOME>                           (368,125)          (353,176)
<EPS-BASIC>                                (.67)              (.55)
<EPS-DILUTED>                              (.67)              (.55)
<YIELD-ACTUAL>                             4.78               4.96
<LOANS-NON>                              15,000             15,000
<LOANS-PAST>                                  0                  0
<LOANS-TROUBLED>                              0                  0
<LOANS-PROBLEM>                               0                  0
<ALLOWANCE-OPEN>                              0            122,500
<CHARGE-OFFS>                                 0                  0
<RECOVERIES>                                  0                  0
<ALLOWANCE-CLOSE>                       242,500            242,500
<ALLOWANCE-DOMESTIC>                          0                  0
<ALLOWANCE-FOREIGN>                           0                  0
<ALLOWANCE-UNALLOCATED>                 242,500            242,500


</TABLE>