EDGAR Filing Documents for 0000739421-05-000023

Form 10-K - Annual report [Section 13 and 15(d), not S-K Item 405]:

SEC Accession No. 0000739421-05-000023

Filing Date

2005-03-15

Accepted

2005-03-15 10:28:16

Documents

Period of Report

2004-12-31

Document Format Files

Seq	Description	Document	Type	Size
1	FORM 10-K FOR 12/31/2004	form10k2004.htm	10-K	192243
2	DIRECTORS' DEFERRED COMPENSATION PLAN	ddcp.htm	EX-10.2	66239
3	DIRECTORS' LIFE INSURANCE PROGRAM	dlip.htm	EX-10.3	1441
4	2004 ANNUAL REPORT	annualreport2004.htm	EX-13	2381749
5	SUBSIDIARIES OF CZFS	subsidiaries.htm	EX-21	2059
6	302 CERTIFICATION FOR RANDY	certificationreb.htm	EX-31.1	12546
7	302 CERTIFICATION MICK	certificationmlj.htm	EX-31.2	12426
8	CERTIFICATION RANDY	certifyreb.htm	EX-32.1	7175
9	CERTIFICATION MICK	certifymlj.htm	EX-32.2	7421
10	FOOTER	footer.jpg	GRAPHIC	49053
11	BACK COVER	newbackcover.jpg	GRAPHIC	108060
12	FRONT COVER	newcover.jpg	GRAPHIC	109637
13	PAGE 1	page01.jpg	GRAPHIC	312145
14	PAGE 2	page02.jpg	GRAPHIC	326395
15	PAGE 3	page03.jpg	GRAPHIC	317893
16	PAGE 4	page04.jpg	GRAPHIC	72435
17	PAGE 5	page05.jpg	GRAPHIC	154247
18	PAGE 6	page06.jpg	GRAPHIC	71299
19	PAGE 7	page07.jpg	GRAPHIC	146911
20	PAGE 8	page08.jpg	GRAPHIC	70483
21	PAGE 9	page09.jpg	GRAPHIC	72175
22	PAGE 10	page10.jpg	GRAPHIC	78015
23	PAGE 11	page11.jpg	GRAPHIC	72873
24	PAGE 12	page12.jpg	GRAPHIC	74155
25	PAGE 13	page13.jpg	GRAPHIC	76891
26	PAGE 34	page34.jpg	GRAPHIC	76829
27	PAGE 35	page35.jpg	GRAPHIC	69145
28	PAGE 36	page36.jpg	GRAPHIC	72395
29	PAGE 37	page37.jpg	GRAPHIC	82575
30	PAGE 38	page38.jpg	GRAPHIC	84981
31	PAGE 58	page58.jpg	GRAPHIC	78131
32	PAGE 59	page59.jpg	GRAPHIC	73361
33	PAGE 60	page60.jpg	GRAPHIC	73353
34	RANDY SIGNATURE	randybrown.jpg	GRAPHIC	39923
35	SR SNODGRASS	snodgrassbrown.jpg	GRAPHIC	51061
36	SR SNODGRASS	snodsigbrown.jpg	GRAPHIC	43195
	Complete submission text file	0000739421-05-000023.txt		5546366

Mailing Address 15 S MAIN ST MANSFIELD PA 16933

Business Address 15 S MAIN ST MANSFIELD PA 16933 5706622121

CITIZENS FINANCIAL SERVICES INC (Filer) CIK: 0000739421 (see all company filings)