Exhibit 10.1 Second Amendment to Employment Agreement between Citizens First
             Corporation and Mary D. Cohron dated as of August 17, 2006

                            SECOND AMENDMENT TO EMPLOYMENT AGREEMENT

         This SECOND AMENDMENT TO EMPLOYMENT AGREEMENT, made and entered into as
of this 17th day of August, 2006, by and between CITIZENS FIRST CORPORATION, a
Kentucky corporation ("Employer"), and MARY COHRON, an individual ("Cohron").
         WHEREAS, the parties hereto entered into that certain Employment
Agreement dated January 1, 2005, and that certain First Amendment to Employment
Agreement dated March 17, 2005; and
         WHEREAS, the parties desire to amend the Employment Agreement to alter
         the manner in which Cohron is compensated. NOW, THEREFORE, for and in
         consideration of the mutual terms, conditions and benefits to be
         obtained by the parties to this
Second Amendment to Employment Agreement, the receipt and sufficiency of which
the parties hereby acknowledge, Employer and Cohron agree to amend the
Employment Agreement between them dated January 1, 2005 as follows:
         Employer and Cohron hereby revoke Paragraph 5 of the Employment
Agreement and replace this paragraph with the following language:
    5. Compensation. Cohron's salary shall be at the annualized rate
established by Employer's Board of Directors, after recommendation to the Board
of Directors by the Board of Directors Compensation Committee, at the
commencement of each calendar year that the Employment Agreement is in effect
and must be set forth in a resolution of the Board of Directors, duly adopted by
the Board of Directors, and properly reflected in the minutes of the Board of
Directors. Cohron shall not be
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present during deliberations or voting regarding her salary. Any purported
agreement for additional compensation or for an adjustment in compensation which
is not so evidenced by a written resolution of Employer's Board of Directors
shall not be enforceable, and shall be of no force or effect whatsoever.
Cohron's salary shall be paid in equal bi-weekly installments.
All other terms and conditions contained in the January 1, 2005 Employment
Agreement and March 17, 2005 First Amendment to Employment Agreement remain
unchanged and in full force and effect.
         IN WITNESS WHEREOF, the parties hereto have executed this Second
Amendment to Employment Agreement as of the day and year first above written.
                           CITIZENS FIRST CORPORATION

                                BY:/s/Sarah G. Grise
                                      -----------------
                                      Sarah G. Grise
                                      Secretary
                                      Citizens First Corporation
                                      Board of Directors

                                                    BY:

                                                    /s/ Mary Cohron
                                                        -----------
                                                        MARY COHRON
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