Welcome to our Web Site! 2008 marks a year full of changes and growth for Citizens First Bank. We will be opening two new branches to better serve the needs of our customers and surrounding community. We anticipate the opening of a branch in Harriman, TN during the first quarter of this year and in Oak Ridge, TN during the second or third quarter of 2008

With our growth into new markets you may notice that our web address has changed. While our main operations are headquartered in Wartburg we want to be known in each of the unique communities that we serve as the hometown bank. Therefore we have selected mycitizensfirstbank.com to represent our continued tradition of personalized services.

Our progressive focus is allowing us to offer you competitive new products this year. To keep with changing technological advancements and preserve the environment, we are proud to bring our customers that use online banking, e-statements. This is a service that we will be starting shortly and you should look for the option to sign up on the main tool bar in Citizens Online. As you will also notice in the bottom banner of this page, we have partnered with LifeLock, a proactive service to protect your identity from theft. Another exciting product we are please to bring to you is Citizens First Rewards Checking, a high interest bearing account with great benefits. Stop in to talk to one of our Customer Service Representatives about this or any other of our wonderful products.

The Board of Directors, officers, and staff invite you to consider Citizens First Bank for your financial needs. We know that you will not be disappointed.

Billy M. Rice
President and CEO