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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
[x] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF
1934 [NO FEE REQUIRED]
For the fiscal year end December 31, 1996
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OR
[ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT
OF 1934 [NO FEE REQUIRED]
For the transition period from to
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Commission file Number 0-10535
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A. Full title of the plan and the address of the plan, if different from
that of the issuer named below:
CITIZENS BANKING CORPORATION
AMENDED AND RESTATED SECTION
401(k) PLAN
B. Name of issuer of the securities held pursuant to the plan and the
address of its principal executive office:
CITIZENS BANKING CORPORATION
One Citizens Banking Center
328 South Saginaw Street
Flint, Michigan 48502
SIGNATURES
The Plan. Pursuant to the requirements of the Securities Exchange Act of 1934,
the trustees (or other persons who administer the employee benefit plan) have
duly caused this annual report to be signed on its behalf by the undersigned
hereunto duly authorized.
Date April 9, 1997 /s/ Gary P. Drainville
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Gary P. Drainville
Chairman, Pension/401(k)
Administration Committee
/s/ Kurt A. Schulze
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Kurt A. Schulze
Secretary, Pension/401(k)
Administration Committee
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Exhibit EXHIBIT INDEX Form 11-K
No. Exhibit Page No.
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13 Citizens Banking Corporation (1)
Amended and Restated Section
401(k) Plan 1996 Annual Report
23 Consents of Independent Accountants (1)
(1) Exhibit included on the following pages of this Annual Report on Form 11K
filing.
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