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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
 Washington, D.C. 20549
 
 FORM
10-K/A
 (Amendment
No. 1)
 þ
    
    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
 For the fiscal year ended December 31, 2005
 OR
 o
    
    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
 For
the transition period from  to
 Commission File Number 1-15025
 CENTRUE FINANCIAL CORPORATION
  Delaware
    
    36-3846489(State or other jurisdiction of
    
    (I.R.S. Employerincorporation or organization)
    
    Identification Number)
 303 Fountains Parkway, Fairview Heights, Illinois
    
    62208(Address of principal executive offices)
    
    (Zip Code)
 (618) 624-1323
  Name of Each ExchangeTitle of Each Class
    
    on which RegisteredCommon Stock, par value $.01 per share
    
    Nasdaq National Market SystemPreferred Share Purchase Rights
    
    Nasdaq National Market System
 NONE
  Yes o
    
    No þ
  Yes o
    
    No þ
  þ o
 o
  o o þ
  Yes o
    
    No þ
   DOCUMENTS INCORPORATED BY REFERENCE




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EXPLANATORY NOTE




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PART IV
 
 Item 15. Exhibits and Financial Statement Schedules
 (a)(1) Consolidated Financial Statements
  Pages inAnnual Report Section
    
    Annual ReportSelected Financial Data
    
    
    4Managements Discussion and Analysis of
Financial Condition and Results of Operations
    
    
    5-29Report of Independent Registered Public Accounting Firm
    
    
    30Consolidated Balance Sheets
    
    
    31Consolidated Statements of Income
    
    
    32Consolidated Statements of Stockholders Equity
    
    
    33Consolidated Statements of Cash Flows
    
    
    34-36Notes to Consolidated Financial Statements
    
    
    37-62Quarterly Financial Information
    
    
    62
  (a)(2) Financial Statement Schedules




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(a)(3) Exhibits
 Reference to PriorFiling or ExhibitRegulation S-K
    
    
    
    Number AttachedExhibit Number
    
    Document
    
    Hereto3.1
    
    Articles of Incorporation
    
    (11)3.2
    
    Bylaws
    
    (1)4.1
    
    Form of Rights Agreement
    
    (4)10.1
    
    1992 Stock Option Plan
    
    (2)10.2
    
    Centrue Financial Corporation 2003 Stock Incentive Plan
    
    (2)10.3
    
    Centrue Bank 401(k) Savings Plan
    
    (1)10.4
    
    Employment Agreement between the Company and Thomas A. Daiber
    
    (3)10.5
    
    Employment Agreement between the Bank and William R. Britt
    
    (5)10.6
    
    Employment Agreement between the Bank and Michael A. OGorman
    
    (6)10.7
    
    Employment Agreement between the Bank and Carol S. Hoekstra
    
    (7)10.8
    
    Employment Agreement between the Bank and Ricky R. Parks
    
    (8)10.9
    
    Indenture dated April 10, 2002,
between the Company and Wilmington Trust Company
    
    (9)10.10
    
    Indenture dated April 22, 2004,
between the Company and U.S. Bank, N.A.
    
    (9)10.11
    
    Non-employee Directors
Deferred Compensation Plan
    
    (12)13.1
    
    2005 Annual Report to Stockholders
    
    13.121.1
    
    Subsidiaries of the Registrant
    
    (10)23.1
    
    Consent of Independent Registered Public Accounting Firm
    
    (10)31.1
    
    Certification of Chief Executive
Officer Pursuant to Rule 13a-14(a)/15d-14(a)
    
    31.1




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Reference to PriorFiling or ExhibitRegulation S-K
    
    
    
    Number AttachedExhibit Number
    
    Document
    
    Hereto31.2
    
    Certification of Principal
Financial Officer Pursuant to Rule 13a-14(a)/15d-14(a)
    
    31.232.1
    
    Certification of Chief Executive
Officer Pursuant to 18 U.S.C. Section 1350, as adopted Pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002
    
    32.132.2
    
    Certification of Principal
Financial Officer Pursuant to 18 U.S.C. Section 1350, as adopted
Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
    
    32.2
 
 (1)
    
    Filed on September 11, 1992, as exhibits to the Registrants Registration Statement No.
33-51950 on Form S-1. Such previously filed documents are hereby incorporated herein by
reference in accordance with Item 601 of Regulation S-K.(2)
    
    Filed on May 1, 2003, as exhibits to the Registrants Annual Report on Form 10-K. Such
previously filed documents are hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K.(3)
    
    Filed on June 27, 2003, as an exhibit to the Registrants Registration Statement on Form S-4.
Such previously filed documents are hereby incorporated herein by reference in accordance
with Item 601 of Regulation S-K.(4)
    
    Filed on May 21, 1999, as an exhibit to the Registrants Form 8-K. Such previously filed
document is hereby incorporated herein by reference in accordance with Item 601 of Regulation
S-K.(5)
    
    Filed on July 18, 2005, as an exhibit to the Registrants Form 8-K. Such previously filed
documents are hereby incorporated herein by reference in accordance with Item 601 of
Regulation S-K.(6)
    
    Filed on September 8, 2005, as an exhibit to the Registrants Form 8-K. Such previously
filed documents are hereby incorporated herein by reference in accordance with Item 601 of
Regulation S-K.(7)
    
    Filed on January 26, 2006, as an exhibit to the Registrants Form 8-K. Such previously filed
documents are hereby incorporated herein by reference in accordance with Item 601 of
Regulation S-K.(8)
    
    Filed on September 8, 2005, as an exhibit to the Registrants Form 8-K. Such previously
filed documents are hereby incorporated herein by reference in accordance with Item 601 of
Regulation S-K.(9)
    
    Filed on March 25, 2005, as exhibits to the Registrants Annual Report on Form 10-K. Such
previously filed documents are hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K.(10)
    
    Filed on March 25, 2006, as an exhibit to the Registrants original Annual Report on Form 10-K,
which is amended by this Annual Report on Form 10-K/A.(11)
    
    Filed on March 30, 2004, as an exhibit to the Registrants Annual Report on Form 10K. Such
previously filed documents are hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K(12)
    
    Filed on March 14, 2003, as an appendix to the Registrants Definitive Proxy Statement for 2003.
Such previously filed document is hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K.




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SIGNATURES
  CENTRUE FINANCIAL CORPORATIONDate:
May 11, 2006
    
    By:
    
    /s/ Thomas A. DaiberThomas A. Daiber,Chief Executive Officer and President




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(a)(3) Exhibits
 Reference to PriorFiling or ExhibitRegulation S-K
    
    
    
    Number AttachedExhibit Number
    
    Document
    
    Hereto3.1
    
    Articles of Incorporation
    
    (11)3.2
    
    Bylaws
    
    (1)4.1
    
    Form of Rights Agreement
    
    (4)10.1
    
    1992 Stock Option Plan
    
    (2)10.2
    
    Centrue Financial Corporation 2003
Stock Incentive Plan
    
    (2)10.3
    
    Centrue Bank 401(k) Saving Plan
    
    (1)10.4
    
    Employment Agreement between the Company and Thomas A. Daiber
    
    (3)10.5
    
    Employment Agreement between the Bank and William R. Britt
    
    (5)10.6
    
    Employment Agreement between the Bank and Michael A. OGorman
    
    (6)10.7
    
    Employment Agreement between the Bank and Carol S. Hoekstra
    
    (7)10.8
    
    Employment Agreement between the Bank and Ricky R. Parks
    
    (8)10.9
    
    Indenture dated April 10, 2002,
between the Company and Wilmington Trust Company
    
    (9)10.10
    
    Indenture dated April 22, 2004,
between the Company and U.S. Bank, N.A.
    
    (9)10.11
    
    Non-employee Directors Deferred Compensation Plan
    
    (12)13.1
    
    2005 Annual Report to Stockholders
    
    13.121.1
    
    Subsidiaries of the Registrant
    
    (10)23.1
    
    Consent of Independent Registered Public Accounting Firm
    
    (10)31.1
    
    Certification of Chief Executive
Officer Pursuant to Rule 13a-14(a)/15d-14(a)
    
    31.1




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Reference to PriorFiling or ExhibitRegulation S-K
    
    
    
    Number AttachedExhibit Number
    
    Document
    
    Hereto31.2
    
    Certification of Principal
Financial Officer Pursuant to Rule 13a-14(a)/15d-14(a)
    
    31.232.1
    
    Certification of Chief Executive
Officer Pursuant to 18 U.S.C. Section 1350, as adopted Pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002
    
    32.132.2
    
    Certification of Principal
Financial Officer Pursuant to 18 U.S.C. Section 1350, as adopted
Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
    
    32.2
 
 (1)
    
    Filed on September 11, 1992, as exhibits to the Registrants Registration Statement No.
33-51950 on Form S-1. Such previously filed documents are hereby incorporated herein by
reference in accordance with Item 601 of Regulation S-K.(2)
    
    Filed on May 1, 2003, as exhibits to the Registrants Annual Report on Form 10-K. Such
previously filed documents are hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K.(3)
    
    Filed on June 27, 2003, as an exhibit to the
Registrants Registration Statement on Form S-4. Such
previously filed documents are hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K.(4)
    
    Filed on May 21, 1999, as an exhibit to the Registrants Form 8-K. Such previously filed
document is hereby incorporated herein by reference in accordance with Item 601 of Regulation
S-K.(5)
    
    Filed on July 18, 2005, as an exhibit to the Registrants Form 8-K. Such previously filed
documents are hereby incorporated herein by reference in accordance with Item 601 of
Regulation S-K.(6)
    
    Filed on September 8, 2005, as an exhibit to the Registrants Form 8-K. Such previously
filed documents are hereby incorporated herein by reference in accordance with Item 601 of
Regulation S-K.(7)
    
    Filed on January 26, 2006, as an exhibit to the Registrants Form 8-K. Such previously filed
documents are hereby incorporated herein by reference in accordance with Item 601 of
Regulation S-K.(8)
    
    Filed on September 8, 2005, as an exhibit to the Registrants Form 8-K. Such previously
filed documents are hereby incorporated herein by reference in accordance with Item 601 of
Regulation S-K.(9)
    
    Filed on March 25, 2005, as exhibits to the Registrants Annual Report on Form 10-K. Such
previously filed documents are hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K.(10)
    
    Filed on March 25, 2006, as an exhibit to the Registrants original Annual Report on Form 10-K,
which is amended by this Annual Report on Form 10-K/A.(11)
    
    Filed on March 30, 2004, as an exhibit to the Registrants Annual Report on Form 10K. Such
previously filed documents are hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K(12)
    
    Filed on March 14, 2003, as an appendix to the Registrants Definitive Proxy Statement for 2003.
Such previously filed document is hereby incorporated herein by reference in accordance with Item
601 of Regulation S-K.