UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): September 11, 2008

CITIZENS FIRST BANCORP, INC.

(Exact name of registrant as specified in its charter)

Delaware
(State or other jurisdiction
of incorporation) 0-32041
(Commission
File Number) 38-3573852
(IRS Employer
Identification No.)

525 Water Street, Port Huron, Michigan
(Address of principal executive offices) 48060
(Zip Code)

Registrant’s telephone number, including area code: (810) 987-8300

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))Dear Shareholder,

TABLE OF CONTENTS

	Item 7.01. Regulation FD Disclosure.
	Item 9.01. Financial Statements and Exhibits
SIGNATURE
Exhibit Index
EX-99

Item 7.01. Regulation FD Disclosure.

     On September 11, 2008, Registrant mailed a letter to its shareholders addressing certain market and economic conditions that are currently affecting its operations, as well as other related matters. The letter to Registrant’s shareholders is furnished herewith as Exhibit No. 99 and incorporated herein by reference.

     Certain statements contained herein are not based on historical facts and are “forward-looking statements” within the meaning of Section 21A of the Securities Exchange Act of 1934. Forward-looking statements which are based on various assumptions (some of which are beyond the Registrant’s control), may be identified by reference to a future period or periods, or by the use of forward-looking terminology, such as “may,” “will,” “believe,” “expect,” “estimate,” “anticipate,” “continue,” or similar terms or variations on those terms, or the negative of these terms. Actual results could differ materially from those set forth in forward-looking statements, due to a variety of factors, including, but not limited to, those related to the economic environment, particularly in the market areas in which the Registrant operates, competitive products and pricing, fiscal and monetary policies of the U.S. Government, changes in government regulations affecting financial institutions, including regulatory fees and capital requirements, changes in prevailing interest rates, acquisitions and the integration of acquired businesses, credit risk management, asset/liability management, change in the financial and securities markets, including changes with respect to the market value of our financial assets, the availability of and costs associated with sources of liquidity, and the ability of the Registrant to resolve or dispose of problem loans. The Registrant undertakes no obligation to update or clarify forward-looking statements, whether as a result of new information, future events or otherwise.

Item 9.01. Financial Statements and Exhibits

(a)	Not applicable
(b)	Not applicable
(c)	Not applicable
(d)	Exhibits
	The following exhibits are furnished herewith:

Number	Exhibit
99	Letter to Shareholders of Citizens First Bancorp, Inc.

SIGNATURE

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized

	CITIZENS FIRST BANCORP, INC.
Date: September 12, 2008
	By:	/s/ Marshall J. Campbell
		Marshall J. Campbell
		Chairman, President and Chief Executive Officer

Exhibit Index

Exhibit
Number	Description of Exhibit
99	Letter to Shareholders of Citizens First Bancorp, Inc.