U.S. SECURITIES AND EXCHANGE COMMISSION

                              Washington, DC 20549

                                   Form 10-QSB

X        Quarterly  report under Section 13 or 15(d) of the Securities  Exchange
         Act of 1934
         For the quarterly period ended March 31, 2000

___      Transition report under Section 13 or 15(d) of the Exchange Act
         For the transition period from _______ to _________

                        Commission File Number 333-67435

                           CITIZENS FIRST CORPORATION

        (Exact Name of Small Business Issuer as Specified in its Charter)

         Kentucky                                      61-0912615
(State or Other Jurisdiction of             (I.R.S. Employer Identification No.)
Incorporation or Organization)

                1805 Campbell Lane, Bowling Green, Kentucky 42101

                    (Address of principal executive offices)

         Issuer's telephone number, including area code: (270) 393-0700

Check  whether the issuer (1) filed all reports required to be filed by Section
13 or 15(d) of the Exchange Act during the past 12 months (or for such shorter
period that the registrant was required to file such reports),  and (2) has been
subject to such filing requirements for the past 90 days. Yes ____ No X

State the number of shares outstanding of each of the issuer's classes of common
equity, as of the latest practicable date:

         Class                                       Outstanding at May 15, 2000

Common Stock, no par value                                    643,053

Transitional Small Disclosure Format:  Yes ___     No   X
                                                      ---


<PAGE>


                           CITIZENS FIRST CORPORATION

                                TABLE OF CONTENTS

                                                                        Page No.

PART I.  FINANCIAL INFORMATION

         ITEM 1.  Financial Statements                                     3-7

         ITEM 2.  Management's Discussion and Analysis or                 8-10
                  Plan of Operation

PART II.  OTHER INFORMATION

         ITEM 6.  Exhibits and Reports on Form 8-K                          14


<PAGE>


                         Part I - Financial Information

Item 1. Financial Statements
<TABLE>

 Consolidated Balance Sheets
 (Unaudited)
<CAPTION>

                                                                March 31, 2000   December 31, 1999

Assets

<S>                                                              <C>             <C>
Cash and due from banks ......................................   $  1,516,627    $  2,175,135
Interest-bearing deposits with banks .........................        147,987          20,204
Federal funds sold ...........................................      2,325,000       3,475,000
Securities available for sale (amortized cost of $6,923,997 as
  of March 31, 2000; $4,472,022 as of December 31, 1999)            6,865,301       4,389,787
Loans, net of unearned income ................................     37,453,619      34,126,628
Less allowance for loan losses ...............................       (463,020)       (400,920)
                                                                 ------------    ------------
   Net loans .................................................     36,990,599      33,725,708
Premises and equipment, net ..................................      1,596,116       1,641,257
Other assets .................................................        502,471         432,219
                                                                 ------------    ------------
   Total assets ..............................................   $ 50,151,901    $ 45,973,310
                                                                 ============    ============

Liabilities and Shareholders' Equity
Deposits:

  Demand deposits ............................................   $  2,893,217    $  2,877,867
  Savings, NOW and money market deposits .....................      7,289,498       7,675,636
  Time deposits ..............................................     31,710,947      26,576,818
                                                                 ------------    ------------
  Total deposits .............................................     41,893,662      37,130,321
Securities sold under agreements to repurchase ...............      1,143,095       1,487,878
Other liabilities ............................................        467,293         506,463
                                                                 ------------    ------------
   Total liabilities .........................................     43,504,050      39,124,662
Shareholders' equity:
  Preferred stock, Authorized 500 shares; issued and
  outstanding 0 and 0, respectively                                        --              --
  Common stock, no par value authorized 1,000,000
  shares; issued and outstanding 643,053 shares                     7,357,477       7,357,477
  Retained earnings ..........................................       (670,887)       (454,554)
   Accumulated other comprehensive income ....................        (38,739)        (54,275)
                                                                 ------------    ------------
   Total shareholders' equity ................................      6,647,851       6,848,648
                                                                 ------------    ------------
   Total liabilities
     and shareholders' equity ................................   $ 50,151,901    $ 45,973,310
                                                                 ============    ============
</TABLE>

 See accompanying notes to consolidated financial statements.


<PAGE>
<TABLE>

 Consolidated Statements of Income
 (Unaudited)
<CAPTION>

 For the three months ended March 31                                 2000         1999
                                                                     ----         ----

 Interest income

<S>                                                               <C>          <C>
  Loans, including fees .......................................   $ 790,630    $ 11,485
  Federal funds sold ..........................................      37,369      35,078
  Securities available for sale ...............................      95,352       6,166
  Interest-bearing deposits with banks ........................       2,567       1,847
                                                                   --------     --------
  Total interest income .......................................     925,918      54,576
 Interest expense
  Deposits ....................................................     454,314       8,028
  Other short-term borrowings .................................      11,372      11,892
                                                                    -------    --------
  Total interest expense ......................................     465,686      19,920
                                                                    -------    --------
Net interest income ...........................................     460,232      34,656
  Provision for loan losses ...................................      88,500      25,000
Net interest income after
  provision for loan losses ...................................     371,732       9,656
Non-interest income
  Service charges on deposit accounts .........................      35,943         350
  Gains (losses) on sales of securities available for sale, net      (6,700)    743,706
  Other .......................................................       6,733       1,467
                                                                    -------    --------
  Total non-interest income ...................................      35,976     745,523
Non-interest expenses
  Compensation and benefits ...................................     351,150     254,611
  Net occupancy expense .......................................      38,603      31,348
  Furniture and equipment expense .............................      54,851      29,834
  Professional fees ...........................................      24,958      20,191
  Postage, printing & supplies ................................      14,375      29,480
  Processing fees .............................................      28,660      13,312
  Advertising .................................................      33,787      40,480
  Bank Franchise and License Tax ..............................      24,356      18,750
  Other .......................................................      53,301      21,709
                                                                    -------    --------
  Total non-interest expenses .................................     624,041     459,715
                                                                   --------    --------
Income (loss) before income taxes .............................    (216,333)    295,464
Income tax expense ............................................        --        53,863
                                                                  ---------    --------
Net income ....................................................   $(216,333)   $241,601
                                                                  ==========   ========

Diluted earnings per share ....................................   $   (0.34)   $   0.68
Basic earnings per share ......................................   $   (0.34)   $   0.68
</TABLE>

 See accompanying notes to consolidated financial statements.


<PAGE>



Consolidated Statements of Changes in Shareholders' Equity
 (Unaudited)

 For the three months ended March 31                 2000           1999
                                                     ----           ----

Balance January 1 ............................   $ 6,848,648    $   725,042
  Net income (loss) ..........................      (216,333)       241,601
  Other comprehensive income (loss) net of tax        15,536       (419,667)
  Issuance of common stock                                 -      7,336,935
                                                 -----------    -----------
Balance at end of period .....................   $ 6,647,851    $ 7,883,911
                                                 ===========    ===========

 See accompanying notes to consolidated financial statements.


Consolidated Statements of Comprehensive Income
 (Unaudited)

 For the periods ended March 31                          2000        1999
                                                         ----        ----

Net income (loss) ..........................       $  (216,333)   $ 241,601
Other comprehensive income,(loss) net of tax:
  Unrealized holding gains on available for sale
     securities arising during the period               15,536       71,178
  Reclassification adjustments for gains
     on securities included in net income
                                                             -     (490,845)
                                                      --------     --------
Total other comprehensive income (loss), Net of tax
                                                        15,536     (419,667)
                                                      --------     --------
Comprehensive income (loss) .....................  $  (200,797)   $(178,066)
                                                      =========    =========

 See accompanying notes to consolidated financial statements.


<PAGE>



 Consolidated Statements of Cash Flows
 (Unaudited)
<TABLE>
<CAPTION>

 For the three months ended March 31                             2000            1999
                                                                 ----            ----

Cash flows from operating activities:

<S>                                                         <C>            <C>
Net income ..............................................   $  (216,333)   $    241,601
Adjustments to reconcile net income to cash
  provided by operating activities:
  Provision for loan losses .............................        88,500          25,000
  (Gain) loss on sale of securities available for sale ..         6,700        (743,706)
  Depreciation and amortization of fixed assets .........        59,781          22,732
Increase in accrued interest receivable .................      (100,292)        (10,250)
Decrease (increase) in other assets .....................        13,699         (68,438)
Increase in accrued interest payable ....................        53,164           5,439
Decrease in other liabilities ...........................      (100,517)        (50,911)
                                                            -----------    ------------
  Net cash used in operating  activities ................      (195,298)       (578,533)

Cash flows from investing activities:

 Net increase in interest-bearing deposits with banks ...      (127,783)       (394,514)
 Net decrease (increase) in federal funds sold ..........     1,150,000      (5,900,000)
Proceeds from sale of securities available for sale .....       493,300         817,378
Proceeds from maturities of securities available for sale     1,831,546               0
Purchase of securities available for sale ...............    (4,781,640)     (1,000,000)
Net increase in loans ...................................    (3,447,191)     (2,518,649)
Purchases of premises and equipment .....................             0         670,523
                                                            -----------    ------------
  Net cash used in investing activities .................    (4,881,768)     (9,666,308)

Cash flows from financing activities:

Net increase in deposits ................................     4,763,341       4,221,427
Net decrease in short-term borrowings ...................      (344,783)       (995,000)
Proceeds from issuance of common stock ..................             0       7,336,935
                                                            -----------    ------------
  Net cash provided by financing activities .............     4,418,558      10,563,362
                                                            -----------    ------------
Net increase (decrease ) in cash and cash equivalents ...      (658,508)        318,521
Cash and cash equivalents at beginning of period ........     2,175,135          16,817
                                                            -----------    ------------
Cash and cash equivalents at end of period ..............   $ 1,516,627    $    335,338
                                                            ===========    ============
</TABLE>


 See accompanying notes to consolidated financial statements.


<PAGE>



          Notes to Consolidated Financial Statements

          (1) Summary of Significant Accounting Policies

              The   accounting   and  reporting   policies  of  Citizens   First
         Corporation  (the  "Company") and its  subsidiary  Citizens First Bank,
         Inc.(the "Bank") conform to generally  accepted  accounting  principles
         and general  practices  within the banking  industry.  The consolidated
         financial statements include the accounts of Citizens First Corporation
         and  its   wholly-owned   subsidiary.   All  significant   intercompany
         transactions and accounts have been eliminated in consolidation.

              The  preparation  of  financial   statements  in  conformity  with
         generally accepted  accounting  principles  requires management to make
         estimates and  assumptions  that affect the reported  amounts of assets
         and liabilities and disclosure of contingent  assets and liabilities as
         of the date of the  financial  statements  and the reported  amounts of
         revenues and expenses  during the reporting  period.  Estimates used in
         the  preparation  of the  financial  statements  are  based on  various
         factors including the current interest rate environment and the general
         strength of the local  economy.  Changes in the overall  interest  rate
         environment can significantly  affect the Company's net interest income
         and the value of its recorded  assets and  liabilities.  Actual results
         could  differ  from  those  estimates  used in the  preparation  of the
         financial statements

              The  financial  information  presented  has been prepared from the
         books and records of the Company and are not audited.  The accompanying
         consolidated financial statements have been prepared in accordance with
         the  instructions  to  Form  10-QSB  and  do  not  include  all  of the
         information and the footnotes required by generally accepted accounting
         principles for complete statements.

              In the opinion of management, all adjustments considered necessary
         for a  fair  presentation  have  been  reflected  in  the  accompanying
         unaudited  financial  statements.  Results of interim  periods  are not
         necessarily indicative of results to be expected for the full year.

         (2) Stock Split

              On February 5, 1999 the  Company's  Board of Directors  declared a
         stock  split  of  1.043 to 1.  All of the per  share  calculations  and
         amounts of outstanding shares included herein for all periods presented
         have been restated to give retroactive effect to the stock split.

         (3) Reclassification of Initial Public Offering Proceeds

               On February  17, 1999 the Company  completed  the initial  public
         offering  for the sale of  536,667  shares of its no par  value  common
         stock.  The proceeds  from this  offering as well as the proceeds  from
         common  stock  outstanding  prior  to the  public  offering  have  been
         reflected as a component of common stock on the amended  balance sheet.
         These  amounts were  previously  reported as a component of  additional
         paid-in  capital.  The  reclassification  has no impact on equity,  net
         income or total assets as of or for the quarter ended March 31, 1999.


<PAGE>



         Item 2. Management's Discussion and Analysis or Plan of Operation

         General

                  Citizens First  Corporation  ("the Company") was  incorporated
         under the laws of the Commonwealth of Kentucky on December 24, 1975 for
         the  purpose of  conducting  business  as an  investment  club,  and is
         headquartered in Bowling Green,  Kentucky. In late 1998 and early 1999,
         the Company filed the appropriate regulatory  applications and received
         regulatory  approval to become a bank  holding  company  under the Bank
         Holding Company Act of 1956, as amended,  through its  organization and
         ownership  of  its  only  subsidiary,  Citizens  First  Bank,  Inc.(the
         "Bank").  On February 17, 1999 the Company completed the initial public
         offering  for the sale of  536,667  shares of its no par  value  common
         stock.  The proceeds of the sale of the stock were used to pay start up
         expenses, liquidate short-term borrowings, and capitalize the Bank. The
         Bank opened for business on February 18, 1999.

                  The Bank operates in two locations. The main office is located
         at 1805 Campbell Lane, and one branch office, which opened on March 22,
         1999, located at 901 Lehman Avenue.

                  The Company's primary source of cash requirements are expected
         to be met by the anticipated growth of customers deposits,  and through
         the sale of  investment  securities.  In  addition,  the Bank is in the
         process of arranging  for  borrowing  capabilities  through the Federal
         Home Loan Bank of  Cincinnati.  Other than these  sources,  the Company
         does not  anticipate  the need to  raise  additional  funds in the next
         twelve months.  Property and equipment  needed for the operation of the
         Bank have been  purchased  and no additional  significant  purchases or
         sales of plant and  equipment  are  planned.  The  Company and Bank are
         fully staffed and no significant changes in the number of employees are
         planned

                  The Company  follows a  corporate  strategy  which  focuses on
         providing  the Bank's  customers  with high quality,  personal  banking
         services.  The Bank  offers a range of  products  designed  to meet the
         needs of its  customers  that include  individuals,  small  businesses,
         partnerships and corporations.

         Results of Operations

                  For the three months ended March 31, 2000 the Company reported
         a net loss of  $216,333,  or $0.34 per diluted  share,  compared to net
         income of  $241,601,  or $0.68 per diluted  share for the three  months
         ended  March  31,  1999.  These  results  include a loss on the sale of
         securities of $6,700 for the period ended March 31, 2000, and a gain on
         the sale of  marketable  securities  of $743,706  for the period  ended
         March  31,  1999.  Excluding  these  securities  transactions,  and the
         related tax effects,  the net losses would have been  $209,633 or $0.33
         per share, and $448,242,  or $1.26 per share for the three months ended
         March 31, 2000 and March 31, 1999, respectively.

         Net Interest Income

                  Net interest income was $460,232 in the first quarter of 2000,
         compared with $34,656 in the comparable 1999 period. First quarter 2000
         interest income of $925,918 includes $790,630 income on loans,  $95,352
         income on investment  securities,  and $39,936  income on federal funds
         sold and  interest-bearing  deposits  with banks.  Interest  expense of
         $465,686  includes  interest on deposits  of  $454,314,  and $11,372 of
         interest paid on securities sold under agreement to repurchase.

         Non-Interest Income

                  Non-interest  income  was  $35,976  versus  $745,523  for  the
         periods  ended  March  31,  2000 and 1999,  respectively.  Non-interest
         income for the first  quarter of 2000  includes a loss of $6,700 on the
         sale of investment  securities.  This loss is due to an investment that
         was sold and replaced  with a  higher-yielding  security.  Non-interest
         income  for the  same  period  in 1999  included  a gain on the sale of
         investment securities of $743,706.  These investments were sold in part
         so that additional  capital would be available to be contributed to the
         Bank,  in order to meet  minimum  capital  requirements  of the Federal
         Deposit  Insurance  Corporation.   Also,  at  December  31,  1998,  the
         investment  securities owned by the Company included  concentrations in
         the stocks of certain  publicly traded  companies.  The partial sale of
         these  securities  in early 1999 was an effort to reduce the  Company's
         exposure to loss.

         Non-Interest Expense

                  Non-interest  expense  was  $624,041  in the first  quarter of
         2000,  up from  $459,715  in the same  quarter of 1999,  an increase of
         $164,326 or 36%.  Expenses in the first  quarter of 2000  included  the
         costs of a full  quarter of  operations  of the Bank,  which  opened on
         February 18,  1999.  The  majority of the  year-to-year  increase is in
         compensation and benefits expenses,  which increased  $96,539,  or 38%,
         from $254,611 in 1999 to $351,150 in 2000.


         Income Taxes

                  Income tax expense has been calculated  based on the Company's
         expected   annual  rate.   Deferred  tax  liabilities  and  assets  are
         recognized  for the tax effects of  differences  between the  financial
         statement  and  tax  bases  of  assets  and  liabilities.  A  valuation
         allowance is  established  to reduce  deferred tax assets if it is more
         likely than not that a deferred tax asset will not be realized.

         Balance Sheet Review
         Overview

                  Total  assets at March  31,  2000  were  $50,151,901,  up from
         $45,973,310 at December  31,1999,  and up from  $12,813,423 a year ago.
         Average  total  assets  increased  $40,667,850  over the  past  year to
         $47,432,804.   Average   earning   assets   increased   $36,431,474  to
         $44,027,272.

         Loans

                  The  Bank  experienced  annualized  loan  growth  of 39%  from
         December  31,  1999 to March 31,  2000.  At March 31, 2000 loans net of
         unearned  income  (excluding  mortgage  loans  held for  sale)  totaled
         $37,453,619   compared  with  $34,126,628  at  December  31,  1999  and
         $2,493,649 a year ago.

         Asset Quality

                  The  allowance for loan losses was $463,020 at March 31, 2000,
         an  increase  of $62,100,  or 15% over the  December  31, 1999 level of
         $400,920. The allowance represents 1.24% of net loans, up from 1.17% of
         net loans as of December 31, 1999.

                  The Bank had no non-performing  loans at March 31, 2000, or at
         December  31,  1999.  Non-performing  loans are defined as  non-accrual
         loans,  loans accruing but past due 90 days or more,  and  restructured
         loans.  The Bank had no  non-performing  assets,  which are  defined as
         non-performing  loans,  foreclosed  real estate,  and other  foreclosed
         property, as of March 31, 2000 or December 31, 1999.

                  The  allowance  for  loan  losses  is  established  through  a
         provision  for  loan  losses  charged  to  expense.  The  level  of the
         allowance is based on  management's  and the Company Board of Directors
         Loan  Committee's  ongoing  review and evaluation of the loan portfolio
         and  general  economic  conditions  on a monthly  basis and by the full
         Board of  Directors  on a  quarterly  basis.  Management's  review  and
         evaluation  of the allowance for loan losses is based on an analysis of
         historical trends,  significant problem loans,  current market value of
         real  estate or  collateral  and  certain  economic  and other  factors
         affecting  loans and real estate or  collateral  securing  these loans.
         Loans are charged  off when,  in the  opinion of  management,  they are
         deemed to be  uncollectible.  Recognized losses are charged against the
         allowance and subsequent  recoveries are added to the allowance.  While
         management  uses the best  information  available to make  evaluations,
         future  adjustments  to the  allowance  may be  necessary  if  economic
         conditions differ substantially from the assumptions used in making the
         evaluation.  The  allowance  for loan losses is reviewed  internally by
         personnel  independent  of  the  loan  department.   In  addition,  the
         allowance  is  subject to  periodic  evaluation  by various  regulatory
         authorities  and may be subject to  adjustment  based upon  information
         that is available to them at the time of their examination.

                  The provision for loan losses was $88,500 (0.24% of period end
         loans) for the first quarter of 2000. The provision for losses on loans
         is being  established  to  provide  for losses  inherent  in the Bank's
         portfolio and reflects management's  evaluation of the risk in the loan
         portfolio.

         Securities Available for Sale

                  Securities  (all  classified as available for sale)  increased
         from  $4,389,787  at December 31, 1999 to $6,865,301 at March 31, 2000.
         At March 31, 1999 securities totaled $1,781,186.

         Deposits and Borrowed Funds

                  Total  deposits  averaged  $39,214,329 in the first quarter of
         2000, an increase of $37,994,455  from the comparable 1999 average.  As
         of March 31,  2000,  total  deposits  were  $41,893,662,  and  included
         $39,000,445  of  interest  bearing  deposits.  This  compares  to total
         deposits of $37,130,321 at December 31, 1999 which included $34,252,454
         of interest  bearing  deposits.  Total deposits at March 31, 1999, were
         $4,221,427, and interest bearing deposits were $3,557,355.

                  The Bank had $1,143,095 of deposits secured by securities sold
         under agreements to repurchase as of March 31, 2000. These obligations,
         which mature in one business day, are swept daily from customers demand
         deposit accounts. The balance averaged $986,658 in the first quarter of
         2000.

         Capital Resources and Liquidity

                  The Board of  Governors  of the  Federal  Reserve  System  has
         adopted risk based  capital and leverage  ratio  requirements  for bank
         holding  companies.  The table below sets forth the  Company's  capital
         ratios as of March 31, 2000,  December 31, 1999 and March 31, 1999; the
         regulatory  minimum capital ratios;  and the regulatory minimum capital
         ratios for well-capitalized companies:


<PAGE>

                                 March 31,   December 31,    March 31,
                                   2000          1999           1999
                                  -----      -----------     --------
Tier 1 risk based ...........      16.54%       18.82%       66.66%
     Regulatory minimum .....       4.00         4.00         4.00
     Well-capitalized minimum       6.00         6.00         6.00
Total risk based ............      17.68%       19.91%       66.89%
     Regulatory minimum .....       8.00         8.00         8.00
     Well-capitalized minimum      10.00        10.00        10.00
Leverage ....................      13.32%       15.00%       60.25%
     Regulatory minimum .....       3.00         3.00         3.00
     Well-capitalized minimum       5.00         5.00         5.00


                  The decrease in capital levels is due in part to the growth in
         the Company's  total assets,  which  increases the  denominator  in the
         capital calculation formula. In addition, net operating losses decrease
         capital levels, and hence also serve to decrease the capital ratios.

                  Liquidity  is  the  measure  of the  Bank's  ability  to  fund
         customer's needs for borrowings and deposit  withdrawals.  In the first
         quarter of 2000, the Company's  principal  source of funds has been the
         acquisition of customers' deposits, repayment of loans, and other funds
         from bank operations. In the same quarter of 1999, the principal source
         of liquidity was the proceeds from the initial  public  offering in the
         February 1999.

         Forward-Looking Statements

                  This  report  contains  certain  forward-looking   statements,
         either expressed or implied, which are provided to assist the reader in
         making  judgements  about  the  Company's   possible  future  financial
         performance.   Such   statements  are  subject  to  certain  risks  and
         uncertainties,   including  without   limitation  changes  in  economic
         conditions  in the  Company's  market  area,  changes  in  policies  by
         regulatory  agencies,  fluctuations in interest rates, demand for loans
         in the  Company's  market  area, and competition. The factors listed
         above could affect the Company's financial performance and could cause
         the Company's  actual results for future periods to differ materially
         from any opinions or statements expressed with respect to future
         periods in any current statements.


<PAGE>


                           Part II - Other Information

Item 6. Exhibits and Reports on Form 8-K
        (a) Exhibits
           The  exhibits  listed on the  Exhibit  Index of this Form  10-QSB are
           filed as a part of this report.

       (b) Reports on Form 8-K

           No reports on Form 8-K were filed during the quarter ended March 31,
           2000.  An 8-K was filed on April 27,2000 announcing the appointment
           of Bill Wright as the Corporation's Chief Financial Officer effective
           May 15,2000.  Gregg Hall, the current Chief Financial Officer is
           resigning effective June 16,2000.


<PAGE>


                                   SIGNATURES

         In accordance with the requirements of the Exchange Act, the registrant
caused this report to be signed on its behalf by the undersigned, thereunto duly
authorized.

                           CITIZENS FIRST CORPORATION


Date:    May 15, 2000                            /s/ Mary D. Cohron
                                                 ------------------

                                           President and Chief Executive Officer
                                              (Principal Executive Officer)

         May 15, 2000                            /s/ Bill D. Wright
                                                 ------------------
                                                     Bill D. Wright

                                      Vice-President and Chief Financial Officer
                                    (Principal Financial and Accounting Officer)



<PAGE>



                                    Exhibits

   3.1  Articles of Restatement and Amendment to Articles of Incorporation of
        Bowling Green Investors, Ltd. (now Citizens First Corporation)
        (incorporated by reference to Exhibit 3.1 of the corporation's
        Registration Statement on Form SB-2 [No. 333-67435]).

   3.2  Amended and Restated Bylaws of Citizens First Corporation (incorporated
        by reference to Exhibit 3.2 of the corporation's Registration Statement
        on Form SB-2 [No. 333-67435]).

   3.3  Articles of  Amendment  to  Articles of  Restatement  and  Amendment  to
        Articles of Incorporation of Citizens First Corporation (incorporated by
        reference to Exhibit 3.3 of the corporation's  Registration Statement on
        Form SB-2 [No. 333-67435]).

   4    Articles of Restatement and Amendment to Articles of Incorporation of
        Bowling Green Investors, Ltd.(now Citizens First Corporation)
        (incorporated by reference to Exhibit 4 of
        the corporation's Registration Statement on Form SB-2 [No. 333-67435]).

  10.1  Employment Agreement between Citizens First Corporation and Mary D.
        Cohron (incorporated by reference to Exhibit 10.1 of the corporation's
        Registration Statement on Form SB-2 [No. 333-67435]).

  10.2  First  Amendment  to  Employment   Agreement   between   Citizens  First
        Corporation and Mary D.Cohron (incorporated by reference to Exhibit 10.2
        of  the   corporation's   Registration   Statement  on  Form  SB-2  [No.
        333-67435]).

  10.3  Employment Agreement between Citizens First Corporation and John T.
        Perkins (incorporated by reference to Exhibit 10.3 of the corporation's
        Registration Statement on Form SB-2 [No. 333-67435]).

  10.4  Employment Agreement between Citizens First Corporation and Gregg A.
        Hall (incorporated by reference to Exhibit 10.4 of the corporation's
        Registration Statement on Form SB-2 [No. 333-67435]).

  10.5  Bank Contract for Electronic Data Processing  Services and  Customerfile
        System   between   Fiserv   Bowling   Green  and  Citizens   First  Bank
        (incorporated  by  reference  to  Exhibit  10.5  of  the   corporation's
        Registration Statement on Form SB-2 [No. 333-67435]).

  10.6  Promissory Note secured by Real Estate  Mortgage and Security  Agreement
        and Stock Pledge  (issued by Citizens First  Corporation  for benefit of
        First Security Bank of  Lexington)(incorporated  by reference to Exhibit
        10.6 of the  corporation's  Registration  Statement  on Form  SB-2  [No.
        333-67435]).

  10.7  Deed of Conveyance from David A. and Karla N. Dozer to Citizens First
        Corporation (incorporated by reference to Exhibit 10.7 of the
        corporation's Registration Statement on Form SB-2  [No.333-67435]).

  10.8  Security Agreement and Stock Pledge between Citizens First Corporation
        and First Security Bank of Lexington (incorporated by reference to
        Exhibit 10.8 of the corporation's Registration Statement on Form SB-2
        [No. 333-67435]).

  10.9  Mortgage  from  Citizens  First  Corporation  to First  Security Bank of
        Lexington   (incorporated   by   reference   to  Exhibit   10.9  of  the
        corporation's Registration Statement on Form SB-2 [No. 333-67435]).

 10.10  Commercial  Line of Credit  Agreement  and Note between  Citizens  First
        Corporation  and  First  Security  Bank of  Lexington  (incorporated  by
        reference to Exhibit 10.10 of the corporation's  Registration  Statement
        on Form SB-2 [No. 333-67435]).

 10.11  Assignment of Securities Account by Citizens First Corporation
        (incorporated by reference to Exhibit 10.11 of the corporation's
        Registration Statement on Form SB-2 [No. 333-67435]).

 10.12  Employment Agreement between Citizens First Corporation and Barry D.
        Bray (incorporated by reference to Exhibit 10.12 of the corporation's
        Registration Statement on Form SB-2 [No. 333-67435]).

 10.13  Consulting   Agreement   between  Citizens  First  Corporation  and  The
        Carpenter  Group  (incorporated  by  reference  to Exhibit  10.13 of the
        corporation's Registration Statement on Form SB-2 [No. 333-67435]).

 10.14  Lease Agreement between Citizens First Corporation and Midtown Plaza,
        Inc. (incorporated by reference to Exhibit 10.14 of the
        corporation's Registration Statement on Form SB-2 [No. 333-67435]).

10.15   Employment Agreement between Citizens First Corporation and M. Todd
        Kanipe (incorporated by reference to Exhibit 10.15 of the corporation's
        Registration Statement on Form 10-KSB [No. 333-67435]).

11      Statement re: Computation of per share earnings

27      Financial Data Schedule for the quarter ended March 31, 2000
        (for SEC use only)


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