Document:

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                                                                    EXHIBIT 10.5

                          CITIZENS FIRST SAVINGS BANK
                                    FORM OF
                    SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN
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                          Citizens First Savings Bank
                                    Form of
                    Supplemental Executive Retirement Plan

                               Table of Contents

<TABLE>
<S>                                                               <C>
Article I - Introduction.........................................  1

Article II - Definitions.........................................  2

Article III - Eligibility and Participation......................  5

Article IV - Benefits............................................  6

Article V - Accounts.............................................  8

Article VI - Supplemental Benefit Payments.......................  9

Article VII - Claims Procedures.................................. 10

Article VIII - Amendment and Termination......................... 12

Article IX - General Provisions.................................. 13
</TABLE>

                                       i
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                                   Article I
                                 Introduction

Section 1.01   Purpose, Design and Intent.
               --------------------------

(a)  The purpose of the Citizens First Savings Bank Supplemental Executive
     Retirement Plan (the "Plan") is to assist Citizens First Savings Bank (the
     "Bank") and its affiliates in retaining the services of key employees until
     their retirement, to induce such employees to use their best efforts to
     enhance the business of the Bank and its affiliates, and to provide certain
     supplemental retirement benefits to such employees.

(b)  The Plan, in relevant part, is intended to constitute an unfunded "excess
     benefit plan" as defined in Section 3(36) of the Employee Retirement Income
     Security Act of 1974, as amended. In this respect, the Plan is specifically
     designed to provide certain key employees with retirement benefits that
     would have been provided under various tax-qualified retirement plans
     sponsored by the Bank, but for the applicable limitations placed on the
     benefits and contributions under such plans by various provisions of the
     Internal Revenue Code of 1986, as amended.

                                       1
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                                  Article II
                                  Definitions

Section 2.01   Definitions.   In this Plan, whenever the context so indicates,
               -----------
the singular or the plural number and the masculine or feminine gender shall be
deemed to include the other, the terms "he," "his," and "him," shall refer to a
Participant or a beneficiary of a Participant, as the case may be, and, except
as otherwise provided, or unless the context otherwise requires, the capitalized
terms shall have the following meanings:

(a)  "Affiliate" means any corporation, trade or business, which, at the time of
reference, is together with the Bank, a member of a controlled group of
corporations, a group of trades or businesses (whether or not incorporated)
under common control, or an affiliated service group, as described in Sections
414(b), 414(c), and 414(m) of the Code, respectively, or any other organization
treated as a single employer with the Bank under Section 414(o) of the Code.

(b)  "Applicable Limitations" means one or more of the following, as applicable:

     (i)   the maximum limitations on annual additions to a tax-qualified
           defined contribution plan under Section 415(c) of the Code;

     (ii)  the maximum limitation on the annual amount of compensation that may,
           under Section 401(a)(17) of the Code, be taken into account in
           determining contributions to and benefits under tax-qualified plans;
           and

     (iii) the maximum limitations, under Sections 401(k), 401(m), or 402(g) of
           the Code, on pre-tax contributions that may be made to a qualified
           defined contribution plan.

(c)  "Bank" means Citizens First Savings Bank, and its successors.

(d)  "Board of Directors" means the Board of Directors of the Bank.

(e)  "Change in Control" means, with respect to the Bank or the Company, an
event of a nature that: (i) would be required to be reported in response to Item
1(a) of the current report on Form 8-K, as in effect on the date hereof,
pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
(the"Exchange Act"); or (ii) results in a Change in Control of the Bank or the
Holding Company within the meaning of the Change in Bank Control Act and the
Rules and Regulations promulgated by the Federal Deposit Insurance Corporation
("FDIC") at 12 C.F.R. (S) 303.4(a), with respect to the Bank, and the Rules and
Regulations promulgated by the Office of Thrift Supervision ("OTS") (or its
predecessor agency), with respect to the Holding Company, as in effect on the
date hereof; or (iii) without limitation, such a Change in Control shall be
deemed to have occurred at such time as (A) any "person" (as the term is used in
Sections 13(d) and 14(d) of the Exchange Act) is or becomes the "beneficial
owner" (as defined in Rule 13d-3 under the Exchange Act), directly or
indirectly, of securities of the Bank or the Holding Company representing __% or
more of the Bank's or the

                                       2
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Holding Company's outstanding securities except for any securities of the Bank
purchased by the Holding Company in connection with the conversion of the Bank
to the stock form and any securities purchased by any tax qualified employee
benefit plan of the Bank; or (B) individuals who constitute the Board of
Directors on the date hereof (the "Incumbent Board") cease for any reason to
constitute at least a majority thereof, provided that any person becoming a
director subsequent to the date hereof whose election was approved by a vote of
at least ____________ (_/_) of the directors comprising the Incumbent Board, or
whose nomination for election by the Holding Company's stockholders was approved
by the same Nominating Committee serving under an Incumbent Board, shall be, for
purposes of this clause (B), considered as though he were a member of the
Incumbent Board; or (C) a plan of reorganization, merger, consolidation, sale of
all or substantially all the assets of the Bank or the Holding Company or
similar transaction occurs in which the Bank or Holding Company is not the
resulting entity; or (D) solicitations of shareholders of the Holding Company,
by someone other than the current management of the Holding Company, seeking
stockholder approval of a plan or reorganization, merger of consolidation of the
Holding Company or Bank or similar transaction with one or more corporations, as
a result of which the outstanding shares of the class of securities then subject
to the plan or transaction are exchanged for or converted into cash or property
or securities not issued by the Bank or the Holding Company shall be
distributed; or (E) a tender offer is made for ____% or more of the voting
securities of the Bank or the Holding Company.

(f)  "Code" means the Internal Revenue Code of 1986, as amended.

(g)  "Committee" means the person(s) designated by the Board of Directors,
pursuant to Section 9.02 of the Plan, to administer the Plan.

(h)  "Common Stock" means the common stock of the Company.

(i)  "Company" means Citizens First Bancorp, Inc. and its successors.

(j)  Eligible Individual" means any Employee who participates in the ESOP or the
Savings Plan, as the case may be, and whom the Board of Directors determines is
one of a "select group of management or highly compensated employees," as such
phrase is used for purposes of Sections 101, 201, and 301 of ERISA.

(k)  "Employee" means any person employed by the Bank or an Affiliate.

(l)  "Employer" means the Bank or Affiliate that employs the Employee.

(m)  "ESOP" means the Citizens First Savings Bank Employee Stock Ownership Plan,
as amended from time to time.

(n)  "ESOP Acquisition Loan" means a loan or other extension of credit incurred
by the trustee of the ESOP in connection with the purchase of Common Stock on
behalf of the ESOP.

                                       3
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(o)  "ESOP Valuation Date" means any day as of which the investment experience
of the trust fund of the ESOP is determined and individuals' accounts under the
ESOP are adjusted accordingly.

(p)  "Effective Date" means ____________.

(q)  "Participant" means an Eligible Employee who is entitled to benefits under
the Plan.

(r)  "Plan" means this Citizens First Savings Bank Supplemental Executive
Retirement Plan.

(s)  "Savings Plan" means the Citizens First Savings Bank 401(k) Plan, as
amended from time to time.

(t)  "Supplemental ESOP Account" means an account established by an Employer,
pursuant to Section 5.01 of the Plan, with respect to a Participant's
Supplemental ESOP Benefit.

(u)  "Supplemental ESOP Benefit" means the benefit credited to a Participant
pursuant to Section 4.01 of the Plan.

(v)  "Supplemental Savings Account" means an account established by an Employer,
pursuant to Section 5.03 of the Plan, with respect to a Participant's
Supplemental Savings Benefit.

(w)  "Supplemental Savings Benefit" means the benefit credited to a Participant
pursuant to Section 4.03 of the Plan.

(x)  "Supplemental Stock Ownership Account" means an account established by an
Employer, pursuant to Section 5.02 of the Plan, with respect to a Participant's
Supplemental Stock Ownership Benefit.

(y)  "Supplemental Stock Ownership Benefit" means the benefit credited to a
Participant pursuant to Section 4.02 of the Plan.

                                       4
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                                  Article III
                         Eligibility and Participation

Section 3.01  Eligibility and Participation.
              -----------------------------

(a)  Each Eligible Employee may participate in the Plan.  An Eligible Employee
     shall become a Participant in the Plan upon designation as such by the
     Board of Directors.  An Eligible Employee whom the Board of Directors
     designates as a Participant in the Plan shall commence participation as of
     the date established by the Board of Directors.  The Board of Directors
     shall establish an Eligible Employee's date of participation at the same
     time it designates the Eligible Employee as a Participant in the Plan.

(b)  The Board of Directors may, at any time, designate an Eligible Employee as
     a Participant for any or all supplemental benefits provided for under
     Article IV of the Plan.  To be eligible for Board designation, an employee
     must be subject to the Applicable Limitations of the Code.

                                       5
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                                  Article IV
                                   Benefits

Section 4.01  Supplemental ESOP Benefit.
              -------------------------

As of the last day of each plan year of the ESOP, the Employer shall credit the
Participant's Supplemental ESOP Account with a Supplemental ESOP Benefit equal
to the excess of (a) over (b), where:

(a)  Equals the annual contributions made by the Employer and/or the number of
     shares of Common Stock released for allocation in connection with the
     repayment of an ESOP Acquisition Loan that would otherwise be allocated to
     the accounts of the Participant under the ESOP for the applicable plan
     year, if the provisions of the ESOP were administered without regard to any
     of the Applicable Limitations; and

(b)  Equals the annual contributions made by the Employer and/or the number of
     shares of common stock released for allocation in connection with the
     repayment of an ESOP Acquisition Loan that are actually allocated to the
     accounts of the Participant under the provisions of the ESOP for that
     particular plan year, after giving effect to any reduction of such
     allocation required by the limitations imposed by any of the Applicable
     Limitations.

Section 4.02  Supplemental Stock Ownership
              ----------------------------

(a)  Upon a Change in Control, the Employer shall credit to the Participant's
     Supplemental Stock Ownership Account a Supplemental Stock Ownership Benefit
     equal to (i) less (ii), the result of which is multiplied by (iii), where:

     (i)  Equals the total number of shares of Common Stock acquired with the
          proceeds of all ESOP Acquisition Loans (together with any dividends,
          cash proceeds, or other medium related to such ESOP Acquisition Loans)
          that would have been allocated or credited for the benefit of the
          Participant under the ESOP and/or this Plan, as the case may be, had
          the Participant continued in the employ of the Employer through the
          first ESOP Valuation Date following the last scheduled payment of
          principal and interest on all ESOP Acquisition Loans outstanding at
          the time of the Change in Control; and

   (ii)   Equals the total number of shares of Common Stock acquired with the
          proceeds of all ESOP Acquisition Loans (together with any dividends,
          cash proceeds, or other medium related to such ESOP acquisition Loans)
          and allocated for the benefit of the Participant under the ESOP and/or
          this Plan, as the case may be, as of the first ESOP Valuation Date
          following the Change in Control; and

   (iii)  Equals the fair market value of Common Stock immediately preceding the
          Change in Control.

                                       6
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(b)  For purposes of clause: (i) of subsection (a) of this Section 4.02, the
     total number of shares of Common Stock shall be determined by multiplying
     the sum of (i) and (ii) by (iii), where:

     (i)    equals the average of the total shares of Common Stock acquired with
            the proceeds of an ESOP Acquisition Loan and allocated for the
            benefit of the Participant under the ESOP as of the _____ (_) most
            recent ESOP Valuation Dates preceding the Change in Control (or
            lesser number if the Participant has not participated in the ESOP
            for ___ full years);

     (ii)   equals the average number of shares of Common Stock credited to the
            Participant's Supplemental ESOP Account for the _____ (_) most
            recent plan years of the ESOP (such that the ____ recent plan years
            coincide with the ____ (_) most recent ESOP Valuation Dates referred
            to in (i) above); and

     (iii)  equals the original number of scheduled annual payments on the ESOP
            Acquisition Loans.

Section 4.03   Supplemental Savings Benefit.
               ----------------------------

A Participant's Supplemental Savings Benefit under the Plan shall be equal to
the excess of (a) over (b), where:

(a)  is the sum of the matching contributions and other contributions of the
     Employer that would otherwise be allocated to an account of the Participant
     under the Savings Plan for a particular year, if the provisions of the
     Savings Plan were administered without regard to any of the Applicable
     Limitations; and

(b)  is the sum of the matching contributions and other contributions of the
     Employer that are actually allocated on account of the Participant under
     the provisions of the Savings Plan for that particular year, after giving
     effect to any reduction of such allocation required by any of the
     Applicable Limitations.

                                       7
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                                   Article V
                                   Accounts

Section 5.01   Supplemental ESOP Benefit Account.
               ---------------------------------

For each Participant who is credited with a benefit pursuant to Section 4.01 of
the Plan, the Employer shall establish, as a memorandum account on its books, a
Supplemental ESOP Account. Each year, the Committee shall credit to the
Participant's Supplemental ESOP Account the amount of benefits determined under
Section 4.01 of the Plan for that year. The Committee shall credit the account
with an amount equal to the appropriate number of shares of Common Stock or
other medium of contribution that would have otherwise been made to the
Participant's accounts under the ESOP, but for the Applicable Limitations.
Shares of Common Stock shall be valued under this Plan in the same manner as
under the ESOP. Cash contributions credited to a Participant's Supplemental ESOP
Account shall be credited annually with interest at a rate equal to the combined
weighted return provided to the Participant's non-stock accounts under the ESOP.

Section 5.02   Supplemental Stock Ownership Account.
               ------------------------------------

The Employer shall establish, as a memorandum account on its books, a
Supplemental Stock Ownership Account. Upon a Change in Control, the Committee
shall credit to the Participant's Supplemental Stock Ownership Account the
amount of benefits determined under Section 4.02 of the Plan. The Committee
shall credit the account with an amount equal to the appropriate number of
shares of Common Stock or other medium of contribution that would have otherwise
been made to the Participant's accounts under the ESOP. Shares of Common Stock
shall be valued under this Plan in the same manner as under the ESOP. Cash
contributions credited to a Participant's Supplemental Stock Ownership Account
shall be credited annually with interest at a rate equal to the combined
weighted return provided to the Participant's non-stock accounts under the ESOP.

Section 5.03   Supplemental Savings Account.
               ----------------------------

The Employer shall establish a memorandum account, the "Supplemental Savings
Account" for each Participant on its books, and each year the Committee will
credit the amount of contributions determined under Section 4.03 of the Plan.
Contributions credited to a Participant's Supplemental Savings Account shall be
credited monthly with interest at a rate equal to the combined weighted return
provided to the Participant's account(s) under the Savings Plan.

                                       8
<PAGE>

                                  Article VI
                         Supplemental Benefit Payments

Section 6.01  Payment of Supplemental ESOP Benefit.
              ------------------------------------

(a)  A Participant's Supplemental ESOP Benefit shall be paid to the Participant,
     or in the event of the Participant's death, to his beneficiary(ies), in the
     same form, time and medium (i.e., cash and/or shares of Common Stock) as
     his benefits are paid under the ESOP.

(b)  A Participant shall have a non-forfeitable right to the Supplemental ESOP
     Benefit credited to him under this Plan in the same percentage as he has to
     benefits allocated to him under the ESOP at the time the benefits become
     distributable to him under the ESOP.

Section 6.02  Payment of Supplemental Stock Ownership Benefit.
              -----------------------------------------------

(a)  A Participant's Supplemental Stock Ownership Benefit shall be paid to the
     Participant or in the event of the Participant's death, to his beneficiary,
     in the same form and medium (i.e., cash and/or shares of Common Stock) as
     his benefits are paid under the ESOP.

(b)  A Participant shall always have a fully non-forfeitable right to the
     Supplemental Stock Ownership Benefit credited to him under this Plan.

Section 6.03   Payment of Supplemental Savings Benefit.
               ---------------------------------------

(a)  A Participant's Supplemental Savings Benefit shall be paid to the
     Participant or in the event of the Participant's death, to his beneficiary,
     in the same form, and at the same time as his benefits are paid under the
     Savings Plan.

(b)  A Participant shall have a non-forfeitable right to his Supplemental
     Savings Benefit under this Plan in the same percentage as he has to
     matching contributions under the Savings Plan at the time the benefits
     become distributable to him under the Savings Plan.

Section 6.04   Alternative Payment of Benefits.
               -------------------------------

Notwithstanding the other provisions of this Article VI, a Participant may, with
prior written consent of the Committee, and upon such terms and conditions as
the Committee may impose, request that the Supplemental ESOP Benefit and/or the
Supplemental Stock Ownership Benefit and/or the Supplemental Savings Benefit to
which he is entitled, be paid commencing at a different time, over a different
period, in a different form, or to different persons, than the benefit to which
he or his beneficiary may be entitled under the ESOP or the Savings Plan.

                                       9
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                                  Article VII
                               Claims Procedures

Section 7.01  Claims Reviewer.
              ---------------

For purposes of handling claims with respect to this Plan, the "Claims Reviewer"
shall be the Committee, unless the Committee designates another person or group
of persons as Claims Reviewer.

Section 7.02  Claims Procedure.
              ----------------

(a) An initial claim for benefits under the Plan must be made by the Participant
    or his beneficiary or beneficiaries in accordance with the terms of this
    Section 7.02.

(b) Not later than _______ (___) days after receipt of such a claim, the Claims
    Reviewer will render a written decision on the claim to the claimant, unless
    special circumstances require the extension of such ___ (__) day period.  If
    an extension is necessary, the Claims Reviewer shall provide the Participant
    or the Participant's beneficiary or beneficiaries with written notification
    of such extension before the expiration of the initial ___ (__) day period.
    Such notice shall specify the reason or reasons for the extension and the
    date by which a final decision can be expected.  In no event shall such
    extension exceed a period of _______ (__) days from the end of the initial
    ____ (___) day period.

(c) In the event the Claims Reviewer denies the claim of a Participant or any
    beneficiary in whole or in part, the Claims Reviewer's written notification
    shall specify, in a manner calculated to be understood by the claimant, the
    reason for the denial; a reference to the Plan or other document or form
    that is the basis for the denial; a description of any additional material
    or information necessary for the claimant to perfect the claim; an
    explanation as to why such information or material is necessary; and an
    explanation of the applicable claims procedure.

(d) Should the claim be denied in whole or in part and should the claimant be
    dissatisfied with the Claims Reviewer's disposition of the claim, the
    claimant may have a full and fair review of the claim by the Committee, upon
    written request submitted by the claimant or the claimant's duly authorized
    representative and received by the Committee within ______ (__) days after
    the claimant receives written notification that the claimant's claim has
    been denied.  In connection with such review, the claimant or the claimant's
    duly authorized representative shall be entitled to review pertinent
    documents and submit the claimant's views as to the issues, in writing. The
    Committee shall act to deny or accept the claim within ________ (___) days
    after receipt of the claimant's written request for review unless special
    circumstances require the extension of such ______ (_) day period.  If such
    extension is necessary, the Committee shall provide the claimant with
    written notification of such extension before the expiration of such initial
    ____ (__) day period.  In all events, the Committee shall act to deny or
    accept the claim within _____ days of the receipt of the claimant's written
    request for review. The action of the Committee shall be in the form of a
    written notice to the claimant and its contents shall include all of the
    requirements for action on the original claim.

                                      10
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(e) In no event may a claimant commence legal action for benefits the claimant
    believes are due the claimant until the claimant has exhausted all of the
    remedies and procedures afforded to the claimant by this Article VII.

                                      11
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                                  Article VIII
                           Amendment and Termination

Section 8.01  Amendment of the Plan.
              ---------------------

The Bank may from amend the Plan at any time; provided, however, that such
amendment may not adversely affect the rights of any Participant or beneficiary
with respect to any benefit under the Plan to which the Participant or
beneficiary may have previously become entitled prior to the effective date of
such amendment, without the consent of the Participant or beneficiary.  The
Committee shall be authorized to make minor or administrative changes to the
Plan, as well as amendments required by applicable federal or state law (or
authorized or made desirable by such statutes); provided, however, that such
amendments must subsequently be ratified by the Board of Directors.

Section 8.02  Termination of the Plan.
              -----------------------

The Bank may at any time terminate the Plan; provided, however, that such
termination may not adversely affect the rights of any Participant or
beneficiary with respect to any benefit under the Plan to which the Participant
or beneficiary may have previously become entitled prior to the effective date
of such termination, without the consent of the Participant or beneficiary.  Any
amounts credited to the supplemental accounts of any Participant shall remain
subject to the provisions of the Plan and no distribution of benefits shall be
accelerated because of termination of the Plan.

                                      12
<PAGE>

                                  Article IX
                              General Provisions

Section 9.01  Unfunded, Unsecured Promise to Make Payments in the Future.
              ----------------------------------------------------------

The right of a Participant or any beneficiary to receive a distribution under
this Plan shall be an unsecured claim against the general assets of the Bank or
its Affiliates and neither a Participant nor his designated beneficiary or
beneficiaries shall have any rights in or against any amount credited to any
account under this Plan or any other assets of the Bank or an Affiliate.  The
Plan at all times shall be considered entirely unfunded both for tax purposes
and for purposes of Title I of ERISA. Any funds invested hereunder shall
continue for all purposes to be part of the general assets of the Bank or an
Affiliate and available to its general creditors in the event of bankruptcy or
insolvency. Accounts under this Plan and any benefits which may be payable
pursuant to this Plan are not subject in any manner to anticipation, sale,
alienation, transfer, assignment, pledge, encumbrance, attachment, or
garnishment by creditors of a Participant or a Participant's beneficiary.  The
Plan constitutes a mere promise by the Bank or Affiliate to make benefit
payments in the future.  No interest or right to receive a benefit may be taken,
either voluntarily or involuntarily, for the satisfaction of the debts of, or
other obligations or claims against, such Participant or beneficiary, including
claims for alimony, support, separate maintenance and claims in bankruptcy
proceedings.

Section 9.02  Committee as Plan Administrator.
              -------------------------------

(a) The Plan shall be administered by the Committee designated by the Board of
    Directors.

(b) The Committee shall have the authority, duty and power to interpret and
    construe the provisions of the Plan as it deems appropriate.  The Committee
    shall have the duty and responsibility of maintaining records, making the
    requisite calculations and disbursing the payments hereunder.  In addition,
    the Committee shall have the authority and power to delegate any of its
    administrative duties to employees of the Bank or Affiliate, as they may
    deem appropriate.  The Committee shall be entitled to rely on all tables,
    valuations, certificates, opinions, data and reports furnished by any
    actuary, accountant, controller, counsel or other person employed or
    retained by the Bank with respect to the Plan. The interpretations,
    determination, regulations and calculations of the Committee shall be final
    and binding on all persons and parties concerned.

Section 9.03  Expenses.
              --------

Expenses of administration of the Plan shall be paid by the Bank or an
Affiliate.

Section 9.04  Statements.
              ----------

The Committee shall furnish individual annual statements of accrued benefits to
each Participant, or current beneficiary, in such form as determined by the
Committee or as required by law.

                                      13
<PAGE>

Section 9.05  Rights of Participants and Beneficiaries.
              ----------------------------------------

(a) The sole rights of a Participant or beneficiary under this Plan shall be to
    have this Plan administered according to its provisions and to receive
    whatever benefits he or she may be entitled to hereunder.

(b) Nothing in the Plan shall be interpreted as a guaranty that any funds in any
    trust which may be established in connection with the Plan or assets of the
    Bank or an Affiliate will be sufficient to pay any benefit hereunder.

(c) The adoption and maintenance of this Plan shall not be construed as creating
    any contract of employment or service between the Bank or an Affiliate and
    any Participant or other individual.  The Plan shall not affect the right of
    the Bank or an Affiliate to deal with any Participants in employment or
    service respects, including their hiring, discharge, compensation, and
    conditions of employment or other service.

Section 9.06  Incompetent Individuals.
              -----------------------

The Committee may from time to time establish rules and procedures which it
determines to be necessary for the proper administration of the Plan and the
benefits payable to a Participant or beneficiary in the event that such
Participant or beneficiary is declared legally incompetent and a conservator or
other person legally charged with that Participant's or beneficiary's care is
appointed. Except as otherwise provided herein, when the Committee determines
that such Participant or beneficiary has been deemed unable to manage his
financial affairs, the Committee may pay such Participant's or beneficiary's
benefits to such conservator, person legally charged with such Participant's or
beneficiary's care, or institution then contributing toward or providing for the
care and maintenance of such Participant or beneficiary.  Any such payment shall
constitute a complete discharge of any liability of the Bank or an Affiliate and
the Plan for such Participant or beneficiary.

Section 9.07  Sale, Merger, or Consolidation of the Bank.
              ------------------------------------------

The Plan may be continued after a sale of assets of the Bank, or a merger or
consolidation of the Bank into or with another corporation or entity, only if
and to the extent that the transferee, purchaser or successor entity agrees to
continue the Plan.  Additionally, upon a merger, consolidation or other Change
in Control, any amounts credited to Participant's deferral accounts shall be
placed in a grantor trust to the extent not already in such a trust.  In the
event that the Plan is not continued by the transferee, purchaser or successor
entity, then the Plan shall be terminated subject to the provisions of Section
8.02 of the Plan.  Any legal fees incurred by a Participant in determining
benefits to which such Participant is entitled under the Plan following a sale,
merger, or consolidation of the Bank or an Affiliate of which the Participant is
an Employee or, if applicable, a member of the Board of Directors, shall be paid
by the resulting or succeeding entity.

                                      14
<PAGE>

Section 9.08  Location of Participants.
              ------------------------

Each Participant shall keep the Bank informed of a current address and the
current address of a designated beneficiary or beneficiaries.  The Bank shall
not be obligated to search for any person. If such person is not located within
___ (__) years after the date on which payment of the Participant's benefits
payable under this Plan may first be made, payment may be made as though the
Participant or his beneficiary had died at the end of such _____ (_) year
period.

Section 9.09  Liability of the Bank and its Affiliates.
              ----------------------------------------

Notwithstanding any provision herein to the contrary, neither the Bank nor any
individual acting as an employee or agent of the Bank shall be liable to any
Participant, former Participant, beneficiary, or any other person for any claim,
loss, liability or expense incurred in connection with the Plan, unless
attributable to fraud or willful misconduct on the part of the Bank or any such
employee or agent of the Bank.

Section 9.10  Governing Law.
              -------------

All questions pertaining to the construction, validity and effect of the Plan
shall be determined in accordance with the laws of the United States and to the
extent not preempted by such laws, by the laws of the State of Michigan.

Having been adopted by its Board of Directors, this Plan is executed by its duly
authorized officer this _________ day of __________________, 2001.

                                    CITIZENS FIRST SAVINGS BANK
Attest:

________________________            By:______________________________
                                          For the Entire Board of Directors

                                      15<PAGE>

                                                                    Exhibit 10.6

                          CITIZENS FIRST SAVINGS BANK
                                    FORM OF
                          CHANGE IN CONTROL AGREEMENT

     This AGREEMENT is made effective as of  ____________________, ___, 2001, by
and among Citizens First Savings Bank (the "Bank"), a state chartered savings
institution, with its principal administrative offices at 525 Water Street, Port
Huron, Michigan 48060, _____________________ ("Executive"), and Citizens First
Bancorp, Inc. (the "Holding Company"), a corporation organized under the laws of
the State of Delaware, which is the stock holding company of the Bank.

     WHEREAS, the Bank recognizes the substantial contribution Executive has
made to the Bank and wishes to protect Executive's position with the Bank for
the period provided in this Agreement; and

     WHEREAS, Executive has agreed to serve in the employ of the Bank.

     NOW, THEREFORE, in consideration of the contribution and responsibilities
of Executive, and upon the other terms and conditions hereinafter provided, the
parties hereto agree as follows:

1.   TERM OF AGREEMENT.
     -----------------

     The period of this Agreement shall be deemed to have commenced as of the
date first above written and shall continue for a period of ________ (___) full
calendar months thereafter.  Commencing on the first anniversary date of this
Agreement, and continuing on each anniversary thereafter, the Board of Directors
(the "Board") may act to extend the term of this Agreement for an additional
year, such that the remaining term of this Agreement would be __________ years,
unless Executive elects not to extend the term of this Agreement by giving
written notice to the Bank, in which case the term of this Agreement will expire
on the ________ anniversary of this Agreement.

2.   CHANGE IN CONTROL.
     -----------------

     (a)  Upon the occurrence of a Change in Control of the Bank or the Holding
Company (as herein defined) followed at any time during the term of this
Agreement by the  termination of Executive's employment in accordance with the
terms of this Agreement, other than Termination for Cause, as defined in Section
2(c) of this Agreement, the provisions of Section 3 of this Agreement shall
apply.  Upon the occurrence of a Change in Control, Executive shall have the
right to elect to voluntarily terminate [his/her] employment at any time during
the term of this Agreement following any demotion, loss of title, office or
significant authority, material reduction in [his/her] annual compensation or
benefits, or relocation of [his/her] principal place of employment by more than
__ (__) miles from its location immediately prior to the Change in Control;
provided, however, Executive may consent in writing to any such demotion, loss,
reduction or relocation.  The effect of any written consent of Executive under
this Section 2 (a) shall be strictly limited to the terms specified in such
written consent.
<PAGE>

     (b)  For purposes of this Agreement, a "Change in Control" of the Bank or
Holding Company shall mean an event of a nature that: (i) would be required to
be reported in response to Item 1(a) of the current report on Form 8-K, as in
effect on the date hereof, pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934 (the "Exchange Act"); or (ii) results in a Change in
Control of the Bank or the Holding Company within the meaning of the Bank Change
in Control Act and the Rules and Regulations promulgated by the Federal Deposit
Insurance Corporation ("FDIC") at 12 C.F.R. (S) 303.4(a) with respect to the
Bank and the Rules and Regulations promulgated by the Office of Thrift
Supervision ("OTS") (or its predecessor agency), with respect to the Holding
Company, as in effect on the date hereof; or (iii) without limitation such a
Change in Control shall be deemed to have occurred at such time as (A) any
"person" (as the term is used in Sections 13(d) and 14(d) of the Exchange Act)
is or becomes the "beneficial owner" (as defined in Rule 13d-3 under the
Exchange Act), directly or indirectly, of securities of the Bank or the Holding
Company representing  ____% or more of the Bank's or the Holding Company's
outstanding securities except for any securities of the Bank purchased by the
Holding Company in connection with the conversion of the Bank to the stock form
and any securities purchased by any tax-qualified employee benefit plan of the
Bank; or (B) individuals who constitute the Board of Directors on the date
hereof (the "Incumbent Board") cease for any reason to constitute at least a
majority thereof, provided that any person becoming a director subsequent to the
date hereof whose election was approved by a vote of at least ___ (_/_) of the
directors comprising the Incumbent Board, or whose nomination for election by
the Holding Company's stockholders was approved by the same Nominating Committee
serving under an Incumbent Board, shall be, for purposes of this clause (B),
considered as a member of the Incumbent Board; or (C) a plan of reorganization,
merger, consolidation, sale of all or substantially all the assets of the Bank
or the Holding Company or similar transaction occurs in which the Bank or
Holding Company is not the resulting entity; or (D) solicitations of
shareholders of the Holding Company, by someone other than the current
management of the Holding Company, seeking stockholder approval of a plan of
reorganization, merger or consolidation of the Holding Company or Bank or
similar transaction with one or more corporations as a result of which the
outstanding shares of the class of securities then subject to the plan or
transaction are exchanged for or converted into cash or property or securities
not issued by the Bank or the Holding Company shall be distributed; or (E) a
tender offer is made for __% or more of the voting securities of the Bank or the
Holding Company.

     (c)  Executive shall not have the right to receive termination benefits
pursuant to Section 3 of this Agreement upon Termination for Cause.  The term
"Termination for Cause" shall mean termination because of: 1) Executive's
personal dishonesty, willful misconduct, breach of fiduciary duty involving
personal profit, intentional failure to perform stated duties, willful violation
of any law, rule, regulation (other than traffic violations or similar
offenses), final cease and desist order or material breach of any provision of
this Agreement which results in a material loss to the Bank or the Holding
Company, or 2) Executive's conviction of a crime or act involving moral
turpitude or a final judgement rendered against Executive based upon actions of
Executive which involve moral turpitude.  For the purposes of this Section, no
act, or the failure to act, on Executive's part shall be "willful" unless done,
or omitted to be done, not in good faith and without reasonable belief that the
action or omission was in the best interests of the Bank or its affiliates.
Notwithstanding the

                                       2
<PAGE>

foregoing, Executive shall not be deemed to have been Terminated for Cause
unless and until there shall have been delivered to her a Notice of Termination
which shall include a copy of a resolution duly adopted by the affirmative vote
of not less than a majority of the members of the Board at a meeting of the
Board called and held for that purpose (after reasonable notice to Executive and
an opportunity for him, together with counsel, to be heard before the Board),
finding that in the good faith opinion of the Board, Executive was guilty of
conduct justifying Termination for Cause and specifying the particulars thereof
in detail. Executive shall not have the right to receive compensation or other
benefits for any period after Termination for Cause. During the period beginning
on the date of the Notice of Termination for Cause pursuant to Section 4 of this
Agreement through the Date of Termination, stock options granted to Executive
under any stock option plan shall not be exercisable nor shall any unvested
stock awards granted to Executive under any stock-based incentive plan of the
Bank, the Holding Company or any subsidiary or affiliate thereof vest. At the
Date of Termination, such stock options and such unvested stock awards shall
become null and void and shall not be exercisable by or delivered to Executive
at any time subsequent to such Date of Termination for Cause.

3.   TERMINATION BENEFITS.
     --------------------

     (a)  Upon the occurrence of a Change in Control, followed at any time
during the term of this Agreement by the involuntary termination of Executive's
employment (other than for Termination for Cause), or voluntary termination
during the term of this Agreement following any demotion, loss of title, office
or significant authority, material reduction in [his/her] annual compensation or
benefits, or relocation of [his/her] principal place of employment by more than
_________ (__) miles from its location immediately prior to the Change in
Control (unless Executive so consents), the Bank  shall be obligated to pay
Executive, or in the event of [his/her] subsequent death, [his/her] beneficiary
or beneficiaries, or [his/her] estate, as the case may be, a sum equal to
_________ (__) times Executive's average annual compensation for the ______
most recent taxable years that Executive has been employed by the Bank or such
lesser number of years in the event that Executive shall have been employed by
the Bank for less than ____ years.  For this purpose, such annual compensation
shall include base salary and any other taxable income, including but not
limited to amounts related to the granting, vesting or exercise of restricted
stock or stock option awards, commissions, bonuses, pension and profit sharing
plan contributions or benefits (whether or not taxable), severance payments,
retirement benefits, and fringe benefits paid or to be paid to Executive or paid
for Executive's benefit during any such year.  At the election of Executive
which election is to be made prior to a Change in Control, such payment shall be
made in a lump sum or on an annual basis in approximately equal installments
over a ____ (__) year period.

     (b)  Upon the occurrence of a Change in Control of the Bank or the Holding
Company followed at any time during the term of this Agreement by Executive's
voluntary or involuntary termination of employment in accordance with paragraph
(a) of this Section 3, other than for Termination for Cause, the Bank shall
cause to be continued life, medical and disability coverage substantially
identical to the coverage maintained by the Bank or the Holding Company for
Executive prior to [his/her] severance, except to the extent such coverage may
be changed in its

                                       3
<PAGE>

application to all Bank or Holding Company employees on a nondiscriminatory
basis.  Such coverage and payments shall cease upon the expiration of __________
(__) full calendar months from the Date of Termination.

     (c)  Notwithstanding the provisions of this Section 3, in no event shall
the aggregate payments or benefits to be made or afforded to Executive under
said paragraphs (the "Termination Benefits") constitute an "excess parachute
payment" under Section 280G of the Internal Revenue Code of 1986, as amended, or
any successor thereto, and in order to avoid such a result, Termination Benefits
will be reduced, if necessary, to an amount (the "Non-Triggering Amount"), the
value of which is one dollar ($1.00) less than an amount equal to three (3)
times Executive's "base amount," as determined in accordance with said Section
280G. The allocation of the reduction required hereby among the Termination
Benefits shall be determined by Executive.

4.   NOTICE OF TERMINATION.
     ---------------------

     (a)  Any purported termination by the Bank or by Executive in connection
with a Change in Control shall be communicated by a Notice of Termination to the
other party.  For purposes of this Agreement, a "Notice of Termination" shall
mean a written notice which indicates the specific termination provision in this
Agreement relied upon and shall set forth in reasonable detail the facts and
circumstances claimed to provide a basis for termination of Executive's
employment under the provision so indicated.

     (b)  "Date of Termination" shall mean the date specified in the Notice of
Termination (which, in the instance of Termination for Cause, shall not be less
than _______ (___) days from the date such Notice of Termination is given);
provided, however, that if a dispute regarding the Executive's termination
exists, the "Date of Termination" shall be determined in accordance with Section
4(c) of this Agreement.

     (c)  If, within _____ (_) days after any Notice of Termination is given,
the party receiving such Notice of Termination notifies the other party that a
dispute exists concerning the termination, the Date of Termination shall be the
date on which the dispute is finally determined, either by mutual written
agreement of the parties, by a binding arbitration award, or by a final
judgment, order or decree of a court of competent jurisdiction (the time for
appeal therefrom having expired and no appeal having been perfected) and
provided further that the Date of Termination shall be extended by a notice of
dispute only if such notice is given in good faith and the party giving such
notice pursues the resolution of such dispute with reasonable diligence.
Notwithstanding the pendency of any such dispute in connection with a Change in
Control, in the event that the Executive is terminated for reasons other than
Termination for Cause, the Bank will continue to pay Executive the payments and
benefits due under this Agreement in effect when the notice giving rise to the
dispute was given (including, but not limited to [his/her] annual salary) until
the earlier of: (1) the resolution of the dispute in accordance with this
Agreement; or (2) the expiration of the remaining term of this Agreement as
determined as of the Date of Termination.

                                       4
<PAGE>

5.   SOURCE OF PAYMENTS.
     ------------------

     It is intended by the parties hereto that all payments provided in this
Agreement shall be paid in cash or check from the general funds of the Bank.
Further, the Holding Company guarantees such payments and provision of all
amounts and benefits due hereunder to Executive and, if such amounts and
benefits due from the Bank are not timely paid or provided by the Bank, such
amounts and benefits shall be paid or provided by the Holding Company.

6.   EFFECT ON PRIOR AGREEMENTS AND EXISTING BENEFIT PLANS.
     -----------------------------------------------------

     This Agreement contains the entire understanding between the parties hereto
and supersedes any prior agreement between the Bank and Executive, except that
this Agreement shall not affect or operate to reduce any benefit or compensation
inuring to Executive of a kind elsewhere provided. No provision of this
Agreement shall be interpreted to mean that Executive is subject to receiving
fewer benefits than those available to [him/her] without reference to this
Agreement.

     Nothing in this Agreement shall confer upon Executive the right to continue
in the employ of the Bank or shall impose on the Bank any obligation to employ
or retain Executive in its employ for any period.

7.   NO ATTACHMENT.
     -------------

     (a)  Except as required by law, no right to receive payments under this
Agreement shall be subject to anticipation, commutation, alienation, sale,
assignment, encumbrance, charge, pledge, or hypothecation, or to execution,
attachment, levy, or similar process or assignment by operation of law, and any
attempt, voluntary or involuntary, to affect any such action shall be null,
void, and of no effect.

     (b)  This Agreement shall be binding upon, and inure to the benefit of,
Executive, the Bank and their respective successors and assigns.

8.   MODIFICATION AND WAIVER.
     -----------------------

     (a)  This Agreement may not be modified or amended except by an instrument
in writing signed by the parties hereto.

     (b)  No term or condition of this Agreement shall be deemed to have been
waived, nor shall there be any estoppel against the enforcement of any provision
of this Agreement, except by written instrument of the party charged with such
waiver or estoppel.  No such written waiver shall be deemed a continuing waiver
unless specifically stated therein, and each such waiver shall operate only as
to the specific term or condition waived and shall not constitute a waiver of
such term or condition for the future or as to any act other than that
specifically waived.

                                       5
<PAGE>

9.   REQUIRED REGULATORY PROVISIONS.
     ------------------------------

     Any payments made to Executive pursuant to this Agreement, or otherwise,
are subject to and conditioned upon compliance with 12 U.S.C. (S)1828(k) and any
rules and regulations promulgated thereunder, including 12 C.F.R. Part 359.

10.  SEVERABILITY.
     ------------

     If, for any reason, any provision of this Agreement, or any part of any
provision, is held invalid, such invalidity shall not affect any other provision
of this Agreement or any part of such provision not held so invalid, and each
such other provision and part thereof shall, to the full extent consistent with
law, continue in full force and effect.

11.  HEADINGS FOR REFERENCE ONLY.
     ---------------------------

     The headings of sections and paragraphs herein are included solely for
convenience of reference and shall not control the meaning or interpretation of
any of the provisions of this Agreement.

12.  GOVERNING LAW.
     -------------

     The validity, interpretation, performance, and enforcement of this
Agreement shall be governed by the laws of the State of Michigan.

13.  ARBITRATION.
     -----------

     Any dispute or controversy arising under or in connection with this
Agreement shall be settled exclusively by arbitration, conducted before a panel
of three arbitrators sitting in a location selected by Executive within ___ (__)
miles from the location of the Bank's main office, in accordance with the rules
of the American Arbitration Association then in effect.  Judgment may be entered
on the arbitrator's award in any court having jurisdiction; provided, however,
that Executive shall be entitled to seek specific performance of [his/her] right
to be paid until the Date of Termination during the pendency of any dispute or
controversy arising under or in connection with this Agreement.

14.  PAYMENT OF COSTS AND LEGAL FEES.
     -------------------------------

     All reasonable costs and legal fees paid or incurred by Executive pursuant
to any dispute or question of interpretation relating to this Agreement shall be
paid or reimbursed by the Bank if Executive is successful with respect to such
dispute or question of interpretation pursuant to a legal judgment, arbitration
or settlement.

                                       6
<PAGE>

15.  INDEMNIFICATION.
     ---------------

     The Bank shall provide Executive (including [his/her] heirs, executors and
administrators) with coverage under a standard directors' and officers'
liability insurance policy at its expense and shall indemnify Executive (and
[his/her] heirs, executors and administrators) to the fullest extent permitted
under Michigan law against all expenses and liabilities reasonably incurred by
[him/her] in connection with or arising out of any action, suit or proceeding in
which [he/she] may be involved by reason of  having been a director or officer
of the Bank (whether or not [he/she] continues to be a director or officer at
the time of incurring such expenses or liabilities); such expenses and
liabilities to include, but not to be limited to, judgments, court costs and
attorneys' fees and the cost of reasonable settlements.

16.  SUCCESSOR TO THE BANK.
     ---------------------

     The Bank shall require any successor or assignee, whether direct or
indirect, by purchase, merger, consolidation or otherwise, to all or
substantially all the business or assets of the Bank, to expressly and
unconditionally assume and agree to perform the Bank's obligations under this
Agreement in the same manner and to the same extent that the Bank would be
required to perform such obligations if no such succession or assignment had
taken place.

                                       7
<PAGE>

                                   SIGNATURES

     IN WITNESS WHEREOF, Citizens First Savings Bank and Citizens First Bancorp,
Inc. have caused this Agreement to be executed by their duly authorized
officers, and Executive has signed this Agreement, on the ______ day of
____________, 2001.

ATTEST:                              CITIZENS FIRST SAVINGS BANK

______________________________   By: _________________________________

SEAL

ATTEST:                              CITIZENS FIRST BANCORP, INC.
                                     (Guarantor)

______________________________   By: _________________________________

SEAL

WITNESS:                             EXECUTIVE

______________________________       _________________________________
                                     [Executive]

                                       8

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