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Exhibit 99.2 Stock Dividend Declaration
FOR MORE INFORMATION, CONTACT:
                                            Mary Cohron or Bill Wright
                                            (270)393-0700

FOR IMMEDIATE RELEASE

                 CITIZENS FIRST CORPORATION ANNOUNCES STOCK DIVIDEND

BOWLING GREEN (April 21, 2005) - Mary Cohron, President and CEO of Citizens
First Corporation (OTC Bulletin Board: CZFC) announced today that the Board of
Directors of the Corporation declared a 5% stock dividend on each share of
common stock of the Corporation outstanding, payable to the record holders of
the common stock on April 29, 2005, which dividend will be issued and payable
May 30, 2005.

"The stock dividend is our way of thanking those who invest in the Corporation,"
said Cohron. Citizens First Bank is the wholly owned subsidiary of Citizens
First Corporation. Cohron attributes much of the bank's success to the
shareholders. "Many of our shareholders are customers of the bank and they have
helped us immensely with business development. Citizens First would not be a
$172 million asset corporation with a first quarter return on assets of 1.07%
without our shareholders support."
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