**EXHIBIT      31.2**

**Certification      of Principal Financial Officer**

**Certification      for Quarterly Report on Form 10Q**

| 1) | I                have reviewed this quarterly report on Form 10-Q of Citizens                Financial Corporation; |
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| 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; |
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| 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; |
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| 4) | The                registrant’s other certifying officer 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 we have: |
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| 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, is made known to us by others within                those                entities, particularly during the period in which this report is                being                prepared; |
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| 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 |
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| 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 that has materially affected or is reasonably                likely to materially affect the registrant’s internal control over                financial reporting; and |
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| 5) | The                registrant’s other certifying officer 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                registrant’s board of directors (or persons performing the equivalent                function): |
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| 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 |
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| b) | Any                fraud, whether or not material, that involves management or                other employees who have a significant role in the registrant’s internal                controls over financial reporting. |
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| Signature                and Title: | /s/                Len E. Schweitzer                                                |   | Date:  | August                14, 2006 |
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|                                | Vice                President, Treasurer and Chief Financial                Officer |   |   |                           |