Exhibit 99.2

                                GIFT INSTRUMENT
                 CHARITABLE GIFT TO CITIZENS FIRST FOUNDATION


     Citizens First Bancorp, Inc., 525 Water Street, Port Huron, Michigan (the
"Company"), desires to make a gift of its common stock, par value $.01 per share
to the Citizens First Foundation (the "Foundation"), a nonprofit corporation
organized under the laws of the State of Delaware.  The purpose of the donation
is to establish a bond between the Company and the communities in which it and
its affiliates operate to enable the communities to share in the potential
growth and success of the Company and its affiliates over the long term.  To
that end, Citizens First Bancorp, Inc. now gives, transfers, and delivers to the
Foundation _________________________________ shares of its common stock, par
value $.01 per share, or total consideration of $0.01 per share, or
$_____________________________, subject to the following conditions:

     1.   The Foundation shall use the donation solely for charitable purposes,
including community development, in the communities in which Citizens First
Savings Bank, Port Huron, Michigan operates, in accordance with the provisions
of the Foundation's Certificate of Incorporation; and

     2.   Consistent with the Company's intent to form a long-term bond between
the Company and the community, the amount of Common Stock that may be sold by
the Foundation in any one year shall not exceed 5% of the market value of the
assets held by the Foundation, except that this restriction shall not prohibit
the board of directors of the Foundation from selling a greater amount of Common
Stock in any one year if the board of directors of the Foundation determines
that the failure to sell a greater amount of the Common Stock held by the
Foundation would:   (a) result in a long-term reduction of the value of the
Foundation's assets relative to their then current value that would jeopardize
the Foundation's capacity to carry out its charitable purposes; or (b) otherwise
jeopardize the Foundation's tax-exempt status.

     3.   The Common Stock contributed to the Foundation by the Company shall,
for so long as such shares are held by the Foundation, be considered by the
Company to be voted in the same ratio as all other shares of Common Stock of the
Company which are voted on each and every proposal considered by stockholders of
the Company, provided, however that this voting restriction shall have no force
and effect in the event that such restriction is waived by the Federal Deposit
Insurance Corporation.


Dated:__________________, 2001         CITIZENS FIRST BANCORP, INC.


                                       By: ______________________________
                                           Larry J. Moeller, Sr.
                                           President and Chief Executive Officer