EXHIBIT 24.1        POWERS OF ATTORNEY

                               POWERS OF ATTORNEY


     KNOW ALL MEN BY THESE PRESENT, that each person whose signature appears
below constitutes and appoints Joseph R. Reinemeyer as the true and lawful
attorney-in-fact and agent with full power of substitution and resubstitution,
for him and in his name, place and stead, in any and all capacities to sign any
or all amendments to the Application for Conversion and the Form S-1
Registration Statement, and to file the same, with all exhibits thereto, and
other documents in connection therewith, with the Office of Thrift Supervision
of the Department of the Treasury or the U.S. Securities and Exchange
Commission, respectively, granting unto said attorney-in-fact and agent full
power and authority to do and perform each and every act and things requisite
and necessary to be done as fully to all intents and purposes as he might or
could do in person, hereby ratifying and confirming all that said
attorney-in-fact and agent or his substitute or substitutes, may lawfully do or
cause to be done by virtue hereof.

     Pursuant to the requirements of Part 563b of the OTS Rules and Regulations
and the Securities Act of 1933, as amended, and any rules and regulations
promulgated thereunder, the foregoing Powers of Attorney prepared in conjunction
with the Application for Conversion and the Form S-1 Registration Statement have
been duly signed by the following persons in the capacities and on the dates
indicated.

     NAME                                                  DATE


     /s/ Joseph R. Reinemeyer                              August 22, 1996
- ------------------------------------------
Joseph R. Reinemeyer
President, Chief Executive Officer
and Director
(principal executive and accounting officer)
Delphos Citizens Bancorp, Inc.

Chief Executive Officer, President and Director
(principal executive and accounting officer)
Citizens Federal Savings and Loan Association of Delphos



     /s/ John F. Helmkamp                                  August 22, 1996
- ------------------------------------------
John F. Helmkamp    
Director 
Delphos Citizens Bancorp, Inc.

Director 
Citizens Federal Savings and Loan Association of Delphos




     /s/ Nancy C. Rumschlag                                August 22, 1996
- ------------------------------------------
Nancy C. Rumschlag
Vice President and Director
Delphos Citizens Bancorp, Inc.

Vice President and Director
Citizens Federal Savings and Loan Association of Delphos


     /s/ P. Douglas Harter                                 August 22, 1996
- ------------------------------------------
P. Douglas Harter
Director
Delphos Citizens Bancorp, Inc.

Director
Citizens Federal Savings and Loan Association of Delphos



     /s/ Robert L. Dillhoff                                August 22, 1996
- ------------------------------------------
Robert L. Dillhoff
Director
Delphos Citizens Bancorp, Inc.

Director
Citizens Federal Savings and Loan Association of Delphos