SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
C U R R E N T R E P O R T
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
July 17, 1997
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Date of Report (Date Of Earliest Event Reported)
FIRST CITIZENS FINANCIAL CORPORATION
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(Exact Name Of Registrant As Specified In Its Charter)
Delaware
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(State Or Other Jurisdiction Of Incorporation)
0-17912 52-1638667
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(Commission File Number) (IRS Employer Identification No.)
22 Firstfield Road
Gaithersburg, Maryland 20878
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(Address Of Principal Executive Offices) (Zip Code)
(301) 527-2400
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(Registrant's Telephone Number, including Area Code)
NOT APPLICABLE
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(Former Name Or Former Address, If Changed Since Last Report)
ITEM 5. OTHER EVENTS.
On July 17, 1997, First Citizens Financial
Corporation released earnings figures for the second
quarter of 1997. A press release is attached hereto as
Exhibit 99.1.
ITEM 7. FINANCIAL STATEMENT AND EXHIBITS.
(c) Exhibits
99.1 Press release by First Citizens
Financial Corporation, dated July 17,
1997
SIGNATURE
Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this
report to be signed on its behalf by the undersigned
hereunder duly authorized.
Dated: July 22, 1997
FIRST CITIZENS FINANCIAL
CORPORATION
By: /s/ Enos K. Fry
Name: Enos K. Fry
Title: Vice Chairman and
President
EXHIBIT INDEX
Exhibit
Number Description
99.1 Press release by First Citizens
Financial Corporation, dated July 17,
1997