<TABLE> <S> <C>


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

<S>                             <C>             <C>
<PERIOD-TYPE>                   6-MOS           3-MOS
<FISCAL-YEAR-END>              Dec-31-2000     Dec-31-2000
<PERIOD-START>                 Jan-01-2000     Apr-01-2000
<PERIOD-END>                   Jun-30-2000     Jun-30-2000
<CASH>                           2,740,781      2,740,781
<INT-BEARING-DEPOSITS>              22,568         22,568
<FED-FUNDS-SOLD>                         0              0
<TRADING-ASSETS>                         0              0
<INVESTMENTS-HELD-FOR-SALE>      6,196,626      6,196,626
<INVESTMENTS-CARRYING>                   0              0
<INVESTMENTS-MARKET>                     0              0
<LOANS>                         48,041,754     48,041,754
<ALLOWANCE>                        581,520        581,520
<TOTAL-ASSETS>                  58,619,588     58,619,588
<DEPOSITS>                      48,215,570     48,215,570
<SHORT-TERM>                     3,423,631      3,423,631
<LIABILITIES-OTHER>                420,732        420,732
<LONG-TERM>                              0              0
<PREFERRED-MANDATORY>                    0              0
<PREFERRED>                              0              0
<COMMON>                         7,357,477      7,357,477
<OTHER-SE>                        (797,822)      (797,822)
<TOTAL-LIABILITIES-AND-EQUITY>  58,619,588     58,619,588
<INTEREST-LOAN>                  1,833,406      1,042,776
<INTEREST-INVEST>                  189,710         94,358
<INTEREST-OTHER>                    71,619         31,683
<INTEREST-TOTAL>                 2,094,735      1,168,817
<INTEREST-DEPOSIT>               1,025,360        571,046
<INTEREST-EXPENSE>               1,057,037        591,351
<INTEREST-INCOME-NET>            1,037,698        577,466
<LOAN-LOSSES>                      207,000        118,500
<SECURITIES-GAINS>                  (6,700)             0
<EXPENSE-OTHER>                  1,245,583        621,542
<INCOME-PRETAX>                   (307,918)       (91,585)
<INCOME-PRE-EXTRAORDINARY>        (307,918)       (91,585)
<EXTRAORDINARY>                          0              0
<CHANGES>                                0              0
<NET-INCOME>                      (307,918)       (91,585)
<EPS-BASIC>                           (.48)          (.14)
<EPS-DILUTED>                         (.48)          (.14)
<YIELD-ACTUAL>                        4.28           4.42
<LOANS-NON>                              0              0
<LOANS-PAST>                             0              0
<LOANS-TROUBLED>                         0              0
<LOANS-PROBLEM>                          0              0
<ALLOWANCE-OPEN>                   400,920        463,020
<CHARGE-OFFS>                       26,400              0
<RECOVERIES>                             0              0
<ALLOWANCE-CLOSE>                  581,520        581,520
<ALLOWANCE-DOMESTIC>                     0              0
<ALLOWANCE-FOREIGN>                      0              0
<ALLOWANCE-UNALLOCATED>            581,520        581,520



</TABLE>