Citizens First Financial Corp. Announces Termination of Memorandum of Understanding

Citizens First Financial Corp. Announces Termination of
Memorandum of Understanding 


BLOOMINGTON, Ill., Jan. 5  /PRNewswire-FirstCall/ -- Citizens First Financial
Corp. (the "Company") (NASDAQ:CFSB), the parent company of Citizens Savings
Bank (the "Bank"), announces that the Federal Deposit Insurance Corporation and
the Illinois Department of Financial and Professional Regulation (collectively,
the "Regulators") have notified the Bank in a letter dated December 21, 2004,
the Memorandum of Understanding ("MOU") between the Bank and the Regulators has
been terminated.

On January 26, 2004, the Bank's board of directors entered into the MOU with
the Regulators that required the Bank to correct certain deficiencies. The
Bank's substantial compliance with the requirements of the MOU resulted in the
termination.

"Management and staff focused their energies to correct all the deficiencies
identified in the MOU during 2004," said C. William Landefeld, President and
CEO.

On November 8, 2004, the Company announced the signing of a definitive
agreement to be acquired by Main Street Trust, Inc. (OTC:MSTI) (BULLETIN BOARD:
MSTI) . 

DATASOURCE: Citizens First Financial Corp.



CONTACT:  C. William Landefeld, President & Chief Executive Officer

of Citizens First Financial Corp., [phone]

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