UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 10-C REPORT BY ISSUER OF SECURITIES QUOTED ON NASDAQ INTERDEALER QUOTATION SYSTEM Filed pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 and Rule 13a-17 or 15d-17 thereunder First Citizens Financial Corporation - -------------------------------------------------------------------------------- (Exact name of issuer as specified in charter) 22 Firstfield Road, Gaithersburg, MD 20878 - -------------------------------------------------------------------------------- (Address of principal executive offices) Issuer's telephone number, including area code 301-527-2400 ---------------------------------- I. CHANGE IN NUMBER OF SHARES OUTSTANDING Indicate any change (increase or decrease) of 5% or more in the number of shares outstanding: 1. Title of security Common ---------------------------------------------------------- 2. Number of shares outstanding before the change 2,650,551 ----------------------------- 3. Number of shares outstanding after the change 2,915,606 ------------------------------ 4. Effective date of change May 3, 1996 --------------------------------------------------- 5. Method of change: Specify method (such as merger, acquisition, exchange, distribution, stock split, reverse split, acquisition of stock for treasury, etc.) Stock ------------- Dividend --------------------------------------------------------------------------- Give brief description of transaction 10% stock dividend payable on -------------------------------------- June 3, 1996 to stockholders of record on May 3, 1996. --------------------------------------------------------------------------- II. CHANGE IN NAME OF ISSUER 1. Name prior to change ------------------------------------------------------- 2. Name after change ---------------------------------------------------------- 3. Effective date of charter amendment changing name -------------------------- 4. Date of shareholder approval of change, if required ------------------------ Date May 9, 1996 Enos K. Fry, Vice Chairman & President -------------------- -------------------------------------------- (Officer's signature & title)