<TABLE> <S> <C>

<ARTICLE>                                            9
<CIK>                                          1073475
<NAME>                                        CITIZENS FIRST CORPORATION

<S>                                           <C>
<PERIOD-TYPE>                                    3-MOS
<FISCAL-YEAR-END>                             DEC-31-2000
<PERIOD-START>                                JAN-01-2000
<PERIOD-END>                                  MAR-31-2000
<CASH>                                          1,516,627
<INT-BEARING-DEPOSITS>                            147,987
<FED-FUNDS-SOLD>                                2,325,000
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                     6,865,301
<INVESTMENTS-CARRYING>                                  0
<INVESTMENTS-MARKET>                                    0
<LOANS>                                        37,453,619
<ALLOWANCE>                                       463,020
<TOTAL-ASSETS>                                 50,151,901
<DEPOSITS>                                     41,893,662
<SHORT-TERM>                                    1,143,095
<LIABILITIES-OTHER>                               467,293
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                        7,357,477
<OTHER-SE>                                       (709,626)
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<INTEREST-LOAN>                                   790,630
<INTEREST-INVEST>                                  95,352
<INTEREST-OTHER>                                   39,936
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<INTEREST-DEPOSIT>                                454,314
<INTEREST-EXPENSE>                                465,686
<INTEREST-INCOME-NET>                             460,232
<LOAN-LOSSES>                                      88,500
<SECURITIES-GAINS>                                 (6,700)
<EXPENSE-OTHER>                                   624,041
<INCOME-PRETAX>                                  (216,333)
<INCOME-PRE-EXTRAORDINARY>                       (216,333)
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                     (216,333)
<EPS-BASIC>                                          (.34)
<EPS-DILUTED>                                        (.34)
<YIELD-ACTUAL>                                      4.190
<LOANS-NON>                                             0
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                  400,920
<CHARGE-OFFS>                                      26,400
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                 463,020
<ALLOWANCE-DOMESTIC>                                    0
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                           463,020


</TABLE>