Citizens First Financial Corp. Announces Termination of Memorandum of Understanding

Name	Symbol	Market	Type
Madison Short Term Strategic Income ETF	AMEX:MSTI	AMEX	Exchange Traded Fund

Name

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Market

Type

Madison Short Term Strategic Income ETF

AMEX:MSTI

AMEX

Exchange Traded Fund

	Price Change	% Change	Price	High Price	Low Price	Open Price	Traded	Last Trade
	0.00	0.00%	20.53				0	14:53:00

Price Change

% Change

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Open Price

Traded

Last Trade

0.00

0.00%

20.53

14:53:00

Citizens First Financial Corp. Announces Termination of Memorandum of Understanding

05/01/2005 5:19pm

PR Newswire (US)

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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., +1-309-661-8700

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