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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

Under the Securities Exchange Act of 1934
(Amendment No. __________)*

CITIZENS FIRST FINANCIAL CORP.

(Name of Issuer)

COMMON STOCK PAR VALUE $.01 PER SHARE

(Title of Class of Securities)

174623-10-8

(CUSIP Number)

12-31-04

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:


þ		Rule 13d-1(b)




o		Rule 13d-1(c)




o		Rule 13d-1(d)

* The remainder of this cover page shall be filled out for a reporting person’s initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed to be “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934 (“Act”) or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.

SEC 1745 (12-02)


CUSIP No. 174623-10-8	13 G	Page 2 of 6 Pages

1. Names of Reporting Persons.
I.R.S. Identification Nos. of above persons (entities only).

CITIZENS SAVINGS BANK, EMPLOYEE STOCK OWNERSHIP PLAN
IRS ID NO. 37-1354936

2. Check the Appropriate Box if a Member of a Group (See Instructions)

(a) o

(b) o

3. SEC Use Only

4. Citizenship or Place of Organization

STATE CHARTERED STOCK SAVINGS INSTITUTION'S EMPLOYEE STOCK OWNERSHIP PLAN ORGANIZED IN ILLINOIS

5. Sole Voting Power
0 SHARES

Number of 6. Shared Voting Power
200,026 SHARES

Shares

Beneficially

Owned by Each 7. Sole Dispositive Power
200,026 SHARES

Reporting

Person

With: 8. Shared Dispositive Power
-0- SHARES

9. Aggregate Amount Beneficially Owned by Each Reporting Person
200,026 SHARES

10. Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)

11. Percent of Class Represented by Amount In Row (9)
12.7%

12. Type of Reporting Person (See Instructions)
EP

ITEM 1.

(A)   NAME OF ISSUER:

    CITIZENS FIRST FINANCIAL CORP.

(B)   ADDRESS OF ISSUER’S PRINCIPAL EXECUTIVE OFFICES

   2101 NORTH VETERANS PARKWAY, BLOOMINGTON, ILLINOIS 61704

ITEM 2.

(A)   NAME OF PERSON FILING:

    CITIZENS SAVINGS BANK EMPLOYEE STOCK OWNERSHIP PLAN

    TRUSTEE: FIRST BANKERS TRUST COMPANY, BROADWAY AT 12TH STREET, QUINCY, ILLINOIS 62305

(B)   ADDRESS OF PRINCIPAL BUSINESS OFFICE OR, IF NONE, RESIDENCE

   2101 NORTH VETERANS PARKWAY, BLOOMINGTON, ILLINOIS 61704

(C)   CITIZENSHIP

    STATE CHARTERED STOCK SAVINGS INSTITUTION’S EMPLOYEE STOCK OWNERSHIP PLAN ORGANIZED IN ILLINOIS

(D)   TITLE OF CLASS OF SECURITIES

    COMMON STOCK PAR VALUE $.01 PER SHARE

(E)   CUSIP NUMBER:

    174623-10-8


ITEM 3.		IF THIS STATEMENT IS FILED PURSUANT TO §240.13D-1(B) OR §240.13(D)-2(B) OR (C), CHECK WHETHER THE PERSON FILING IS A:

(F) X AN EMPLOYEE BENEFIT PLAN IN ACCORDANCE WITH §240.13d-1(b)(1)(ii)(F)

Page 3 of 6


ITEM 4.		OWNERSHIP

(A)   AMOUNT BENEFICIALLY OWNED

    200,026 SHARES

(B)   PERCENT OF CLASS

    12.7%

(C)   NUMBER OF SHARES AS TO WHICH THE PERSON HAS:

(I)   SOLE POWER TO VOTE OR DIRECT THE VOTE

   0 SHARES REPRESENTING UNALLOCATED SHARES

(II)   SHARED POWER TO VOTE OR DIRECT THE VOTE

    200,026 REPRESENTING ALLOCATED SHARES

(III)   SOLE POWER TO DISPOSE OR TO DIRECT THE DISPOSITION OF

    200,026 SHARES

(IV)   SHARED POWER TO DISPOSE OR DIRECT THE DISPOSITION OF

   -0- SHARES


ITEM 5.		OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS

		NOT APPLICABLE

ITEM 6.		OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON

		NOT APPLICABLE

ITEM 7.		IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY

		NOT APPLICABLE

ITEM 8.		IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP

		NOT APPLICABLE

ITEM 9.		NOTICE OF DISSOLUTION OF GROUP

		NOT APPLICABLE

Page 4 of 6


ITEM 10.		CERTIFICATION

		THE FOLLOWING CERTIFICATION SHALL BE INCLUDED IF THE STATEMENT IS FILED PURSUANT TO RULE 13D-1(B):

BY SIGNING BELOW, I CERTIFY THAT, TO THE BEST OF MY KNOWLEDGE AND BELIEF, THE SECURITIES REFERRED TO ABOVE WERE ACQUIRED IN THE ORDINARY COURSE OF BUSINESS AND WERE NOT ACQUIRED FOR THE PURPOSE OF AND DO NOT HAVE THE EFFECT OF CHANGING OR INFLUENCING THE CONTROL OF THE ISSUER OF SUCH SECURITIES AND WERE NOT ACQUIRED IN CONNECTION WITH OR AS A PARTICIPANT IN ANY TRANSACTION HAVING SUCH PURPOSES OR EFFECT.

Page 5 of 6

SIGNATURE

AFTER REASONABLE INQUIRY AND TO THE BEST OF MY KNOWLEDGE AND BELIEF, I CERTIFY THAT THE INFORMATION SET FORTH IN THIS STATEMENT IS TRUE, COMPLETE AND CORRECT.

FEBRUARY 14, 2005

CITIZENS SAVINGS BANK EMPLOYEE STOCK OWNERSHIP PLAN BY FIRST BANKERS TRUST COMPANY AS TRUSTEE

/s/ Linda Shultz

Linda Shultz, Trust Officer

Page 6 of 6

	5.	Sole Voting Power 0 SHARES

Number of	6.	Shared Voting Power 200,026 SHARES
Shares
Beneficially
Owned by Each	7.	Sole Dispositive Power 200,026 SHARES
Reporting
Person
With:	8.	Shared Dispositive Power -0- SHARES


	10.	Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions)

	(A)	NAME OF ISSUER:

		CITIZENS FIRST FINANCIAL CORP.

	(B)	ADDRESS OF ISSUER’S PRINCIPAL EXECUTIVE OFFICES

		2101 NORTH VETERANS PARKWAY, BLOOMINGTON, ILLINOIS 61704

	(A)	NAME OF PERSON FILING:

		CITIZENS SAVINGS BANK EMPLOYEE STOCK OWNERSHIP PLAN

		TRUSTEE: FIRST BANKERS TRUST COMPANY, BROADWAY AT 12TH STREET, QUINCY, ILLINOIS 62305

	(B)	ADDRESS OF PRINCIPAL BUSINESS OFFICE OR, IF NONE, RESIDENCE

		2101 NORTH VETERANS PARKWAY, BLOOMINGTON, ILLINOIS 61704

	(C)	CITIZENSHIP

		STATE CHARTERED STOCK SAVINGS INSTITUTION’S EMPLOYEE STOCK OWNERSHIP PLAN ORGANIZED IN ILLINOIS

	(D)	TITLE OF CLASS OF SECURITIES

		COMMON STOCK PAR VALUE $.01 PER SHARE

	(E)	CUSIP NUMBER:

		174623-10-8

	(A)	AMOUNT BENEFICIALLY OWNED

		200,026 SHARES

	(B)	PERCENT OF CLASS

		12.7%

	(C)	NUMBER OF SHARES AS TO WHICH THE PERSON HAS:

	(I)	SOLE POWER TO VOTE OR DIRECT THE VOTE

		0 SHARES REPRESENTING UNALLOCATED SHARES

	(II)	SHARED POWER TO VOTE OR DIRECT THE VOTE

		200,026 REPRESENTING ALLOCATED SHARES

	(III)	SOLE POWER TO DISPOSE OR TO DIRECT THE DISPOSITION OF

		200,026 SHARES

	(IV)	SHARED POWER TO DISPOSE OR DIRECT THE DISPOSITION OF

		-0- SHARES