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Exhibit 31.1  Certification of Chief Executive Officer pursuant to Section 302
              of the Sarbanes-Oxley Act

         I,Mary D. Cohron certify that:

         1. I have reviewed this 10QSB of Citizens First Corporation;

         2. Based on my knowledge, this report does not contain any untrue
            statement of a material fact or omit to state a material fact
            necessary to make the  statements  made,  in  light of the
            circumstances under which  such statements were made, not misleading
            with respect to the period covered by this report;

         3. Based on my knowledge, the financial statements, and other financial
            information included in this report,  fairly present in all material
            respects the financial  condition,  results of operations and cash
            flows of the registrant as of, and for, the periods presented in
            this report;

         4. The registrant's other certifying  officer(s) and I are responsible
            for establishing and maintaining  disclosure controls
            and procedures (as defined in Exchange Act Rules 13a-15(e) and
            15d-15(e)) for the registrant and have:

         (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,  or caused such disclosure controls and
                  procedures to be designed under our supervision, is made known
                  to us by others within those entities, particularly during the
                  period in which this report is being prepared;

         (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

         (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

         5. The registrant's  other certifying  officer(s) and I have disclosed,
            based on our most recent  evaluation of internal control over
            financial  reporting,  to the registrant's  auditors and the audit
            committee of the  registrant's  board of directors (or persons
            performing the equivalent functions):

         (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

         (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.

Date: 08/14/03

/s/ Mary D. Cohron
    Mary D. Cohron
    President and Chief Executive Officer
                                        23
<PAGE>24

Exhibit 31.2  Certification of Chief Financial Officer pursuant to Section 302
              of the Sarbanes-Oxley Act

         I,Bill D. Wright certify that:

         1. I have reviewed this 10QSB of Citizens First Corporation;

         2. Based on my knowledge, this report does not contain any untrue
            statement of a material fact or omit to state a material fact
            necessary to make the  statements  made,  in  light of the
            circumstances under which  such statements were made, not misleading
            with respect to the period covered by this report;

         3. Based on my knowledge, the financial statements, and other financial
            information included in this report,  fairly present in all material
            respects the financial  condition,  results of operations and cash
            flows of the registrant as of, and for, the periods presented in
            this report;

         4. The registrant's other certifying  officer(s) and I are responsible
            for establishing and maintaining  disclosure controls
            and procedures (as defined in Exchange Act Rules 13a-15(e) and
            15d-15(e)) for the registrant and have:

         (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,  or caused such disclosure controls and
                  procedures to be designed under our supervision, is made known
                  to us by others within those entities, particularly during the
                  period in which this report is being prepared;

         (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

         (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

         5. The registrant's  other certifying  officer(s) and I have disclosed,
            based on our most recent  evaluation of internal control over
            financial  reporting,  to the registrant's  auditors and the audit
            committee of the  registrant's  board of directors (or persons
            performing the equivalent functions):

         (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

         (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.

Date: 08/14/03

/s/ Bill D. Wright
    Bill D. Wright
    Chief Financial Officer
                                        24