Citizens First Financial Corp.

As of April 1, 2005 Citizens First Financial Corp. was acquired by Main Street Trust Inc. Citizens First Financial Corp. operates as the bank holding company for Citizens Savings Bank (bank), which provides various financial products and services in Illinois. The bank primarily accepts deposits and makes loans. It provides residential real estate mortgage, commercial real estate, commercial, agricultural, consumer, and other loans. The bank offers both fixed rate and adjustable rate mortgage loans secured by one to four family residences, as well as fixed and adjustable rate multifamily mortgage loans secured by 5 to 70 unit apartment and student housing buildings. It also offers commercial real estate loans secured by properties used for business purposes, such as small office buildings or a combination of residential and retail facilities. It provides loans for the acquisition and development of commercial and residential property. The bank’s portfolio of consumer and other loans consist of fixed rate, fixed term home equity loans, adjustable home equity lines of credit, loans secured by automobiles, home improvement loans, loans secured by deposit accounts, and unsecured personal loans. The bank’s deposit accounts consist of savings, NOW accounts, checking accounts, money market accounts, certificates, brokered deposit accounts, and individual retirement accounts. As of December 31, 2003, the bank operated through five offices located in the municipalities of Bloomington, Normal, and Fairbury, Illinois. The bank invests primarily in U.S. government sponsored agency issued mortgage-backed securities, U.S. Agency securities, federal funds sold, Federal Home Loan Bank demand investment account, and mutual funds. Citizens First Financial was founded in 1888 and is based in Bloomington, Illinois.