SEC FORM 4

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

CAMPBELL MARSHALL J

(Last)

(First)

(Middle)

525 WATER STREET

(Street)

PORT HURON

48060

(City)

(State)

(Zip)

2. Issuer Name and Ticker or Trading Symbol
CITIZENS FIRST BANCORP INC [ CTZN ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	President, Chairman & CEO

3. Date of Earliest Transaction (Month/Day/Year)
05/20/2004

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Shares								69,502.4876⁽¹⁾⁽²⁾	D
Common Shares								2,205.128⁽³⁾	I	CFSB 401K
Common Shares								8,269	I	Other 401K
Common Shares	05/20/2004		P		44.86⁽⁴⁾	A	$21.98	11,000.6⁽⁴⁾	I	EXSOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Phantom Stock Units	⁽⁵⁾							⁽⁶⁾	⁽⁶⁾	Common Stock	32,767.552		32,767.552⁽⁷⁾	D
Phantom Stock Units⁽⁸⁾	$21.98⁽⁸⁾	05/20/2004		P		47.2		⁽⁸⁾	⁽⁸⁾	Common Stock	11,575.7128	$21.98	11,575.7128⁽⁹⁾	D

Explanation of Responses:

1. Includes 100.0232 shares acquired in November 2003 under the Citizens First Bancorp, Inc. dividend reinvestment plan.

2. Includes 96.5726 shares acquired in February 2004 under the Citizens First Bancorp, Inc. dividend reinvestment plan.

3. Includes 31.986 shares acquired for the quarter ending 09/30/2003, 54.49 shares acquired for the quarter ending 12/31/03 and 329.874 shares for the quarter ending 03/31/04 under the Citizens First Savings Bank 401K Plan.

4. Includes 3,655 shares acquired under the Citizens First Savings Bank EXSOP for the year end 12/31/03. The aggregate number also includes shares acquired as Dividend Reinvestment under the plan in the amount of 157.22 for dividends paid February 2003, May 2003, August 2003, November 2003 and February 2004. Includes 44.86 RSUs for the May 20, 2004 Dividend.

5. Units are to be settled 1 for 1.

6. Units are to be settled upon the reporting person's normal termination date (age 70 after 10 years of service).

7. Includes 644.55 RSU's resulting from Dividend Reinvestment pursuant to dividend payments that were paid February 2003, May 2003, August 2003, November 2003 and February 2004.

8. Units are to be settled upon termination of reporting person's employment.

9. Includes 47.20 in Dividend RSUs for May, 2004 Dividend.

Remarks:

	William G. Oldford Jr.- acting as POA FBO Marshall J. Campbell	05/24/2004
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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