EXHIBIT 31.1
                 Citizens Financial Corporation and Subsidiaries
                  Certification of Principal Executive Officer
                 Certification for Quarterly Report on Form 10Q





I, Darrell R. Wells, certify that:

1.     I have reviewed this quarterly report on  Form 10Q of Citizens  Financial
       Corporation;

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;

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;

4.     The  registrant's  other  certifying officer(s) 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 have:

       (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;

       (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

       (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 (the registrant's fourth
              fiscal  quarter  in  the  case  of  an  annual  report)  that  has
              materially affected, or is reasonably likely to materially affect,
              the registrant's internal control over financial reporting; and

5.     The registrant's  other certifying officer(s) 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 the
       registrant's  board of  directors (or persons  performing  the equivalent
       functions):

       (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

       (b)    Any  fraud,  whether  or not material, that involves management or
              other employees who  have a significant  role in the  registrant's
              internal control over financial reporting.


  Signature and Title:     /s/ Darrell R. Wells, Chief Executive Officer
                           -----------------------------------------------------


                                                           Date:    08/12/2003
                                                                  --------------