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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K


                                 CURRENT REPORT
     PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934



Date of Report (Date of earliest event reported)       5/18/2006
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                           CITIZENS FIRST CORPORATION
                           --------------------------
             (Exact name of registrant as specified in its charter)



     Kentucky                         61-0912615                     333-67435
- -----------------------              -----------                  -------------
(State or other jurisdiction        (Commission                (IRS Employer
 incorporation)                      File Number)            Identification No.)



                   1065 Ashley Street, Bowling Green, Kentucky         42103
                   -------------------------------------------        -------
                     (Address of principal executive offices)        (Zip Code)


Registrant's telephone number, including area code       (270) 393-0700
- --------------------------------------------------        -------------

                                 NOT APPLICABLE
- -------------------------------------------------------------------------------
            (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligations of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under
the Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
 Act (17 CFR 240.13e-4(c))

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ITEM 7.01.  REGULATION FD DISCLOSURE.

          On May 18, 2006, Citizens First Corporation issued a press release, a
copy of which is attached hereto as Exhibit 99.1 and incorporated herein by
reference. The press release announced that the Board of Directors of Citizens
First Corporation declared a 5% stock dividend on each share of common stock of
the Corporation.


ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.


C. EXHIBITS

99.1     Press Release dated May 18, 2006.



         The information in this Form 8-K and the Exhibit attached hereto shall
not be deemed filed for purposes of Section 18 of the Securities and Exchange
Act of 1934, nor shall it be deemed incorporated by reference in any filing
under the Securities Act of 1933, except as shall be expressly set forth by
specific reference in such filing.

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                                   SIGNATURES




                  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 hereunto duly authorized.

                                                CITIZENS FIRST CORPORATION
                                                     (Registrant)



                               By:  /s/ Mary D. Cohron
                                        Mary D. Cohron
                                   President and Chief Executive Officer



Date:  May 18, 2006

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                                  EXHIBIT INDEX


Exhibit Number    Description of Exhibit

99.1     Press Release dated May 18, 2006

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