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        <P align=center><FONT face="Times New Roman, Times, Serif"
        size=2>SECURITIES AND EXCHANGE COMMISSION<BR>WASHINGTON, D.C. 20549
        </FONT></P><!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
        <H1 align=center><FONT face="Times New Roman, Times, Serif" size=2>FORM
        144 </FONT></H1><!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
        <P align=center><FONT face="Times New Roman, Times, Serif" size=2>NOTICE
        OF PROPOSED SALE OF SECURITIES<BR>PURSUANT TO RULE 144 UNDER THE
        SECURITIES ACT OF 1933 </FONT></P><!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" --><FONT
        face="Times New Roman, Times, Serif" size=2><B>ATTENTION: </B>Transmit for
        filing 3 copies of this form concurrently with either placing an order
        with a broker to execute sale or executing a sale directly with a market
        maker.
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      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>1(a) NAME OF ISSUER (Please type or print)</FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>(b) IRS
        IDENT. NO.</FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>(c) SEC
        FILE NO.</FONT></TH></TR>
    <TR vAlign=bottom>
      <TD align=right width="13%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="24%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;<BR>Citizens Financial Corporation</FONT></TD>
      <TD align=right width="20%"><FONT face="Times New Roman, Times, Serif"
        size=2><BR>61-1187135</FONT></TD>
      <TD align=left width="13%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="19%"><FONT face="Times New Roman, Times, Serif"
        size=2><BR>000-20148</FONT></TD>
      <TD align=left width="11%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR></TABLE><BR><!-- MARKER FORMAT-SHEET="Page Rule Single" FSL="Default" -->
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      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>1(d) ADDRESS OF ISSUER</FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>STREET</FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif"
      size=1>CITY</FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>STATE</FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>ZIP
        CODE</FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>(e)
        TELEPHONE NUMBER<BR>(with area code) </FONT></TH></TR>
    <TR vAlign=bottom>
      <TD align=right width="16%"><FONT face="Times New Roman, Times, Serif"
        size=2>12910 Shelbyville Road <BR>Suite 300</FONT></TD>
      <TD align=left width="15%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left width="5%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="7%"><FONT face="Times New Roman, Times, Serif"
        size=2>Louisville</FONT></TD>
      <TD align=left width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="5%"><FONT face="Times New Roman, Times, Serif"
        size=2>Kentucky</FONT></TD>
      <TD align=left width="3%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="7%"><FONT face="Times New Roman, Times, Serif"
        size=2>40243</FONT></TD>
      <TD align=left width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="19%"><FONT face="Times New Roman, Times, Serif"
        size=2>(502) 244-2420</FONT></TD>
      <TD align=left width="11%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR></TABLE><BR><!-- MARKER FORMAT-SHEET="Page Rule Single" FSL="Default" -->
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      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>2(a) NAME OF PERSON FOR
        WHOSE<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ACCOUNT THE SECURITIES
        ARE<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TO BE SOLD </FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>(b) IRS
        IDENT. NO. </FONT></TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) RELATIONSHIP
        TO<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ISSUER
        </FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>(d)
        ADDRESS STREET </FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>CITY
        </FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>STATE
        </FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>ZIP CODE
        </FONT></TH></TR>
    <TR vAlign=bottom>
      <TD align=right width="11%"><FONT face="Times New Roman, Times, Serif"
        size=2>James L. Head</FONT></TD>
      <TD align=left width="12%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="9%"><FONT face="Times New Roman, Times, Serif"
        size=2>###-##-####</FONT></TD>
      <TD align=left width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="7%"><FONT face="Times New Roman, Times, Serif"
        size=2>Officer</FONT></TD>
      <TD align=left width="18%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="16%"><FONT face="Times New Roman, Times, Serif"
        size=2>12910 Shelbyville Road <BR> Suite 300</FONT></TD>
      <TD align=left width="3%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="6%"><FONT face="Times New Roman, Times, Serif"
        size=2>Louisville</FONT></TD>
      <TD align=left width="2%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2>Kentucky</FONT></TD>
      <TD align=left width="1%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="5%"><FONT face="Times New Roman, Times, Serif"
        size=2>40243</FONT></TD>
      <TD align=left width="2%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR>
    <TR vAlign=bottom>
      <TD align=right><FONT face="Times New Roman, Times, Serif"
      size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right><FONT face="Times New Roman, Times, Serif"
      size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
  size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right><FONT face="Times New Roman, Times, Serif"
      size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right><FONT face="Times New Roman, Times, Serif"
      size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right><FONT face="Times New Roman, Times, Serif"
      size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right><FONT face="Times New Roman, Times, Serif"
      size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR></TABLE><BR><!-- MARKER FORMAT-SHEET="Page Rule Single" FSL="Default" -->
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        <P align=center><FONT face="Times New Roman, Times, Serif"
        size=2><B>INSTRUCTION: </B>The person filing this notice should contact
        the issuer to obtain the IRS Identification Number and the SEC File
        Number. </FONT></P><!-- MARKER FORMAT-SHEET="Page Width End" FSL="Project" --></TD></TR></TABLE><BR><!-- MARKER FORMAT-SHEET="Page Rule Single" FSL="Default" -->
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      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3(a)</FONT></TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)</FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>SEC USE
        ONLY </FONT>
        <HR width="80%" noShade SIZE=1>
      </TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>(c)</FONT></TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>(d)</FONT></TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>(e)</FONT></TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)</FONT></TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>(g)</FONT></TH></TR>
    <TR vAlign=top>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>Title Of
        The<BR>Class Of<BR>Securities<BR>To Be Sold </FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>Name and
        Address Of Each Broker Through<BR>Whom The Securities Are to Be Offered
        Or<BR>Each Market Maker Who Is Acquiring<BR>The Securities </FONT></TH>
      <TH align=center colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>Broker-Dealer<BR>File Number </FONT></TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>Number Of<BR>Shares Or Other<BR>Units to be Sold<BR>(See Instr.
        3(c)) </FONT></TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>Aggregate<BR>Market Value<BR>(See Instr. 3(d)) </FONT></TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>Number of Shares<BR>Or Other Units<BR>Outstanding<BR>(See Instr.
        3(e)) </FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>Approximate<BR>Date of Sale<BR>(See Instr. 3(f))<BR>(Mo. Day Yr.)
        </FONT></TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>Name of Each<BR>Securities<BR>Exchange<BR>(See Instr. 3(g))
      </FONT></TH></TR>
    <TR vAlign=bottom>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=2></FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=2></FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=2></FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=2></FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=2></FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif"
    size=2></FONT></TH></TR>
    <TR vAlign=bottom>
      <TD align=right width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2>Class A Common Stock</FONT></TD>
      <TD align=left width="2%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left width="22%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Scottsdale Securities, Inc.<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9300 Shelbyville Road <BR>
        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Suite 1001<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Louisville, Kentucky 40223</FONT></TD>
      <TD align=left width="2%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left width="9%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left width="2%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="6%"><FONT face="Times New Roman, Times, Serif"
        size=2>657</FONT></TD>
      <TD align=left width="5%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="7%"><FONT face="Times New Roman, Times, Serif"
        size=2>as of 11-28-03<BR> $4,855.23</FONT></TD>
      <TD align=left width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="6%"><FONT face="Times New Roman, Times, Serif"
        size=2>1,685,228</FONT></TD>
      <TD align=left width="5%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="7%"><FONT face="Times New Roman, Times, Serif"
        size=2>12-01-03</FONT></TD>
      <TD align=left width="3%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="6%"><FONT face="Times New Roman, Times, Serif"
        size=2>NASDAQ</FONT></TD>
      <TD align=left width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR>
    <TR vAlign=bottom>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR>
    <TR vAlign=bottom>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
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    <TR vAlign=top>
      <TD width="5%">&nbsp;</TD>
      <TD width="95%"><FONT face="Times New Roman, Times, Serif"
        size=2><B>INSTRUCTIONS:</B> </FONT></TD></TR></TABLE><!-- MARKER FORMAT-SHEET="Reg Cover Table 3 Col 10" FSL="Project" -->
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    <TR vAlign=top>
      <TD align=left width="3%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="3%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="43%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="2%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="3%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="3%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="43%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD></TR>
    <TR vAlign=top>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>1.<BR><BR><BR><BR><BR>2.</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>(a)<BR>(b)<BR>(c)<BR>(d)<BR>(e)<BR>(a)<BR>(b)<BR>(c)<BR><BR>(d)</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif" size=2>Name of
        Issuer. <BR>Issuer's IRS Identification Number. <BR>Issuer's SEC file
        number, if any.<BR>Issuer's address, including zip code.<BR>Issuer's
        telephone number, including area code.<BR>Name of person for whose account
        the securities are to be sold.<BR>Such person's IRS identification number,
        if such person is an entity.<BR>Such person's relationship to the issuer,
        (e.g., officer, director, 10% stockholder,<BR>or member of immediate
        family of any of the foregoing.<BR>Such person's address, including zip
        code.</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>3.<BR></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>(a)<BR>(b)<BR><BR>(c)<BR><BR>(d)<BR><BR>(e)<BR><BR><BR>(f)<BR>(g)
        </FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif" size=2>Title of
        the class of securities to be sold. <BR>Name and address of each broker
        through whom the securities are<BR>intended to be sold.<BR>Number of
        shares or other units to be sold (if dept securities, give
        the<BR>aggregate face amount.<BR>Aggregate Market value of the securities
        to be sold as of a specified<BR>date within 10 days prior to the filing of
        this notice.<BR>Number of shares or other units of the class outstanding,
        or if debt<BR>securities the face amount thereof outstanding, as shown by
        the most recent<BR>report or statement published bye the
        issuer.<BR>Approximate date on which the securities are to be
        sold.<BR>Name of each securities exchange, if any, on which the securities
        are intended to be sold.</FONT></TD></TR></TABLE><BR><!-- *************************************************************************** --><!-- MARKER PAGE="sheet: 1; page: 1" --><!-- MARKER FORMAT-SHEET="Page Width Begin" FSL="Project" -->
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      <TD><BR><!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
        <H1 align=center><FONT face="Times New Roman, Times, Serif" size=2>TABLE I
        - SECURITIES TO BE SOLD </FONT></H1><!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
        <P align=center><FONT face="Times New Roman, Times, Serif" size=2>Furnish
        the following information with respect to the acquisition of the
        securities to be sold and with respect to the payment of all or any part
        of the purchase price or other consideration therefore: </FONT></P><!-- MARKER FORMAT-SHEET="Page Width End" FSL="Project" --></TD></TR></TABLE><BR>
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    <TR vAlign=bottom>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>Title
        Of<BR>The Class </FONT>
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      </TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>Date
        You<BR>Acquired </FONT>
        <HR width="45%" noShade SIZE=1>
      </TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>Nature Of
        Acquisition Transaction </FONT>
        <HR width="95%" noShade SIZE=1>
      </TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>Name of
        Person From<BR>Whom Acquired (If<BR>Gift, Also Give Date<BR>Donor
        Acquired) </FONT>
        <HR width="60%" noShade SIZE=1>
      </TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>Amount
        Of<BR>Securities Acquired </FONT>
        <HR width="60%" noShade SIZE=1>
      </TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>Date
        Of<BR>Payment </FONT>
        <HR width="40%" noShade SIZE=1>
      </TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>Nature Of
        Payment </FONT>
        <HR width="60%" noShade SIZE=1>
      </TH></TR>
    <TR vAlign=top>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2>Class A Common Stock</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2>04/30/91</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2>Purchased at Fair Market Value</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2>Mary York</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2>126</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2>04/30/91</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="12%"><FONT face="Times New Roman, Times, Serif"
        size=2>Cash</FONT></TD></TR>
  <TR vAlign=top>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2><BR>Class A Common Stock</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2><BR>04/22/94</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2><BR>Purchased at Fair Market Value</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2><BR>William Dolen</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2><BR>531</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2><BR>04/22/94</FONT></TD>
      <TD align=right width="4%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="12%"><FONT face="Times New Roman, Times, Serif"
        size=2><BR>Cash</FONT></TD></TR>
  </TABLE><!-- MARKER FORMAT-SHEET="Page Rule Single" FSL="Default" -->
  <HR align=left width="100%" noShade SIZE=1>
  <!-- MARKER FORMAT-SHEET="Page Rule Single" FSL="Default" -->
  <HR align=left width="100%" noShade SIZE=1>
  
  <TABLE cellSpacing=0 cellPadding=0 width=850 border=0>
  
    <TR vAlign=bottom>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=2></FONT></TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif"
    size=2></FONT></TH></TR>
    <TR vAlign=bottom>
      <TD align=left width="8%"><FONT face="Times New Roman, Times, Serif"
        size=2><B>INSTRUCTIONS</B>: </FONT></TD>
      <TD align=right width="2%"><FONT face="Times New Roman, Times, Serif"
        size=2>1.&nbsp;&nbsp;&nbsp;</FONT></TD>
      <TD align=left width="41%"><FONT face="Times New Roman, Times, Serif"
        size=2>If the securities were purchased and full payment therefor was not
        made in cash at the</FONT></TD>
      <TD align=left width="2%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=right width="2%"><FONT face="Times New Roman, Times, Serif"
        size=2>2.&nbsp;&nbsp;&nbsp;</FONT></TD>
      <TD align=left width="41%"><FONT face="Times New Roman, Times, Serif"
        size=2>If within two years after the acquisition of the</FONT></TD>
      <TD align=left width="2%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left width="2%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR>
    <TR vAlign=bottom>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
  size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif" size=2>time of
        purchase, explain in the table or in a note thereto the nature of the
        consideration</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>securities the person for whose account they</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
  size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR>
    <TR vAlign=bottom>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
  size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif" size=2>given. If
        the consideration consisted of any note or other obligation, or if payment
        was</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif" size=2>are to be
        sold had any short positions, put or</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
  size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR>
    <TR vAlign=bottom>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
  size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif" size=2>made in
        installments describe the arrangement and state when the note or other
        </FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif" size=2>other
        option to dispose of securities referred</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
  size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR>
    <TR vAlign=bottom>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
  size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>obligation was discharged in full or the last installment
        paid.</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif" size=2>to in
        paragraph (d) (3) of Rule 144, furnish</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
  size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR>
    <TR vAlign=bottom>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif" size=2>full
        information with respect thereto.</FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
  size=2></FONT></TD>
      <TD align=left><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR></TABLE><!-- MARKER FORMAT-SHEET="Page Rule Double Rule Double" FSL="Default" -->
  <HR align=left width="100%" noShade SIZE=4>
  <!-- MARKER FORMAT-SHEET="Page Width Begin" FSL="Project" -->
  <TABLE cellSpacing=0 cellPadding=0 width=600 border=0>
  
    <TR vAlign=top>
      <TD><BR><!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
        <P align=center><FONT face="Times New Roman, Times, Serif" size=2><B>TABLE
        II - SECURITIES SOLD DURING THE PAST THREE MONTHS</B><BR><BR>Furnish the
        following information as to all securities of the issuer sold during the
        past three months by the person for whose account the securities are to be
        sold. </FONT></P><!-- MARKER FORMAT-SHEET="Page Width End" FSL="Project" --></TD></TR></TABLE><BR>
  <TABLE cellSpacing=0 cellPadding=0 width=850 border=0>
  
    <TR vAlign=bottom>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>Name and
        Address of Seller </FONT>
        <HR width="60%" noShade SIZE=1>
      </TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>Title of
        Securities Sold </FONT>
        <HR width="60%" noShade SIZE=1>
      </TH>
      <TH colSpan=2><FONT face="Times New Roman, Times, Serif" size=1>Date of
        Sale </FONT>
        <HR width="35%" noShade SIZE=1>
      </TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>Amount Of<BR>Securities Sold </FONT>
        <HR width="40%" noShade SIZE=1>
      </TH>
      <TH align=left colSpan=2><FONT face="Times New Roman, Times, Serif"
        size=1>&nbsp;&nbsp;&nbsp;Gross Proceeds </FONT>
        <HR align=left width="45%" noShade SIZE=1>
      </TH></TR>
    <TR vAlign=bottom>
      <TD align=left width="10%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="14%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;N/A</FONT></TD>
      <TD align=left width="5%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="14%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left width="5%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="14%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left width="5%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="11%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD>
      <TD align=left width="5%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD>
      <TD align=left width="17%"><FONT face="Times New Roman, Times, Serif"
        size=2>&nbsp;</FONT></TD></TR></TABLE><!-- MARKER FORMAT-SHEET="Page Rule Single" FSL="Default" -->
  <HR align=left width="100%" noShade SIZE=1>
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  <HR align=left width="100%" noShade SIZE=1>
  <!-- MARKER FORMAT-SHEET="Reg Cover Table 2 Col 10" FSL="Project" -->
  <TABLE cellSpacing=0 cellPadding=0 width=850 border=0>
  
    <TR vAlign=top>
      <TD align=left width="50%"><FONT face="Times New Roman, Times, Serif"
        size=2><B>REMARKS:</B> </FONT></TD>
      <TD align=center width="50%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT></TD></TR></TABLE><!-- MARKER FORMAT-SHEET="Reg Cover Table 2 Col 10" FSL="Project" -->
  <TABLE cellSpacing=0 cellPadding=0 width=850 border=0>
  
    <TR vAlign=top>
      <TD align=left width="50%"><FONT face="Times New Roman, Times, Serif"
        size=2><B>INSTRUCTIONS:</B> </FONT></TD>
      <TD align=left width="50%"><FONT face="Times New Roman, Times, Serif"
        size=2><B>ATTENTION:</B> </FONT></TD></TR></TABLE><!-- MARKER FORMAT-SHEET="Reg Cover Table 2 Col 10" FSL="Project" -->
  <TABLE cellSpacing=0 cellPadding=0 width=850 border=0>
  
    <TR vAlign=top>
      <TD align=left width="50%"><FONT face="Times New Roman, Times, Serif"
        size=2>See the definition of "person" in paragraph (a) of Rule 144.
        Information<BR>is to be given not only as to the person for whose account
        the securities<BR>are to be sold but also as to all other persons included
        in that definition.<BR>In addition, information shall be given as to sales
        by all persons whose<BR>sales are required by paragraph (e) of Rule 144 to
        be aggregated with<BR>sales for the account of the person filing this
        notice.</FONT></TD>
      <TD align=left width="50%"><FONT face="Times New Roman, Times, Serif"
        size=2>The person for whose account the securities to which this notice
        relates are to be sold<BR>hereby represents by signing this notice that he
        does not know any material adverse<BR>information in regard to the current
        and prospective operations of the Issuer of the<BR>securities to be sold
        which has not been publicly disclosed.</FONT></TD></TR></TABLE><BR><!-- MARKER FORMAT-SHEET="Reg Cover Table 2 Col 10" FSL="Project" -->
  <TABLE cellSpacing=0 cellPadding=0 width=850 border=0>
  
    <TR vAlign=top>
      <TD align=center width="35%"><FONT face="Times New Roman, Times, Serif"
        size=2> December 1, 2003</FONT>
        <HR noShade SIZE=1>
        <FONT face="Times New Roman, Times, Serif" size=2>(Date of Notice)
      </FONT></TD>
      <TD align=center width="15%"><FONT face="Times New Roman, Times, Serif"
        size=2> </FONT><FONT face="Times New Roman, Times, Serif" size=2></FONT></TD>
      <TD align=center width="45%"><FONT face="Times New Roman, Times, Serif"
        size=2>/s/ James L. Head</FONT>
        <HR noShade SIZE=1>
        <FONT face="Times New Roman, Times, Serif" size=2>(Signature) </FONT></TD>
      <TD align=center width="5%"><FONT face="Times New Roman, Times, Serif"
        size=2></FONT><FONT face="Times New Roman, Times, Serif"
    size=2></FONT></TD></TR></TABLE><BR><!-- MARKER FORMAT-SHEET="Page Width Begin" FSL="Project" -->
  <TABLE cellSpacing=0 cellPadding=0 width=600 border=0>
  
    <TR vAlign=top>
      <TD><!-- MARKER FORMAT-SHEET="Head Minor Center-TNR" FSL="Project" -->
        <P align=center><FONT face="Times New Roman, Times, Serif" size=2>The
        notice shall be signed by the person for whose account the securities are
        to be sold. At least one copy of the notice shall be manually signed. Any
        copies not manually signed shall bear typed or printed
        signatures.<BR><B>ATTENTION: International misstatements or omission of
        facts constitute Federal Criminal Violations (See 18 U.S.C. 1001)</B>
        </FONT></P><!-- MARKER FORMAT-SHEET="Page Width End" FSL="Project" --></TD></TR></TABLE><BR>
  
  </BODY>
  </HTML>
metadata_documents: [{"type": "144", "sequence": "1", "filename": "citfinhead144.htm", "description": "FORM 144 FOR JAMES L. HEAD", "secsgml_size_bytes": 38595}]
text: SECURITIES AND EXCHANGE COMMISSION
  WASHINGTON, D.C. 20549
  FORM
        144
  NOTICE
        OF PROPOSED SALE OF SECURITIES
  PURSUANT TO RULE 144 UNDER THE
        SECURITIES ACT OF 1933
  ATTENTION:
  Transmit for
        filing 3 copies of this form concurrently with either placing an order
        with a broker to execute sale or executing a sale directly with a market
        maker.
  1(a) NAME OF ISSUER (Please type or print)
  (b) IRS
        IDENT. NO.
  (c) SEC
        FILE NO.
  Citizens Financial Corporation
  61-1187135
  000-20148
  1(d) ADDRESS OF ISSUER
  STREET
  CITY
  STATE
  ZIP
        CODE
  (e)
        TELEPHONE NUMBER
  (with area code)
  12910 Shelbyville Road
  Suite 300
  Louisville
  Kentucky
  40243
  (502) 244-2420
  2(a) NAME OF PERSON FOR
        WHOSE
  ACCOUNT THE SECURITIES
        ARE
  TO BE SOLD
  (b) IRS
        IDENT. NO.
  (c) RELATIONSHIP
        TO
  ISSUER
  (d)
        ADDRESS STREET
  CITY
  STATE
  ZIP CODE
  James L. Head
  ###-##-####
  Officer
  12910 Shelbyville Road
  Suite 300
  Louisville
  Kentucky
  40243
  INSTRUCTION:
  The person filing this notice should contact
        the issuer to obtain the IRS Identification Number and the SEC File
        Number.
  3(a)
  (b)
  SEC USE
        ONLY
  (c)
  (d)
  (e)
  (f)
  (g)
  Title Of
        The
  Class Of
  Securities
  To Be Sold
  Name and
        Address Of Each Broker Through
  Whom The Securities Are to Be Offered
        Or
  Each Market Maker Who Is Acquiring
  The Securities
  Broker-Dealer
  File Number
  Number Of
  Shares Or Other
  Units to be Sold
  (See Instr.
        3(c))
  Aggregate
  Market Value
  (See Instr. 3(d))
  Number of Shares
  Or Other Units
  Outstanding
  (See Instr.
        3(e))
  Approximate
  Date of Sale
  (See Instr. 3(f))
  (Mo. Day Yr.)
  Name of Each
  Securities
  Exchange
  (See Instr. 3(g))
  Class A Common Stock
  Scottsdale Securities, Inc.
  9300 Shelbyville Road
  Suite 1001
  Louisville, Kentucky 40223
  657
  as of 11-28-03
  $4,855.23
  1,685,228
  12-01-03
  NASDAQ
  INSTRUCTIONS:
  1.
  2.
  (a)
  (b)
  (c)
  (d)
  (e)
  (a)
  (b)
  (c)
  (d)
  Name of
        Issuer.
  Issuer's IRS Identification Number.
  Issuer's SEC file
        number, if any.
  Issuer's address, including zip code.
  Issuer's
        telephone number, including area code.
  Name of person for whose account
        the securities are to be sold.
  Such person's IRS identification number,
        if such person is an entity.
  Such person's relationship to the issuer,
        (e.g., officer, director, 10% stockholder,
  or member of immediate
        family of any of the foregoing.
  Such person's address, including zip
        code.
  3.
  (a)
  (b)
  (c)
  (d)
  (e)
  (f)
  (g)
  Title of
        the class of securities to be sold.
  Name and address of each broker
        through whom the securities are
  intended to be sold.
  Number of
        shares or other units to be sold (if dept securities, give
        the
  aggregate face amount.
  Aggregate Market value of the securities
        to be sold as of a specified
  date within 10 days prior to the filing of
        this notice.
  Number of shares or other units of the class outstanding,
        or if debt
  securities the face amount thereof outstanding, as shown by
        the most recent
  report or statement published bye the
        issuer.
  Approximate date on which the securities are to be
        sold.
  Name of each securities exchange, if any, on which the securities
        are intended to be sold.
  TABLE I
        - SECURITIES TO BE SOLD
  Furnish
        the following information with respect to the acquisition of the
        securities to be sold and with respect to the payment of all or any part
        of the purchase price or other consideration therefore:
  Title
        Of
  The Class
  Date
        You
  Acquired
  Nature Of
        Acquisition Transaction
  Name of
        Person From
  Whom Acquired (If
  Gift, Also Give Date
  Donor
        Acquired)
  Amount
        Of
  Securities Acquired
  Date
        Of
  Payment
  Nature Of
        Payment
  Class A Common Stock
  04/30/91
  Purchased at Fair Market Value
  Mary York
  126
  04/30/91
  Cash
  Class A Common Stock
  04/22/94
  Purchased at Fair Market Value
  William Dolen
  531
  04/22/94
  Cash
  INSTRUCTIONS
  :
  1.
  If the securities were purchased and full payment therefor was not
        made in cash at the
  2.
  If within two years after the acquisition of the
  time of
        purchase, explain in the table or in a note thereto the nature of the
        consideration
  securities the person for whose account they
  given. If
        the consideration consisted of any note or other obligation, or if payment
        was
  are to be
        sold had any short positions, put or
  made in
        installments describe the arrangement and state when the note or other
  other
        option to dispose of securities referred
  obligation was discharged in full or the last installment
        paid.
  to in
        paragraph (d) (3) of Rule 144, furnish
  full
        information with respect thereto.
  TABLE
        II - SECURITIES SOLD DURING THE PAST THREE MONTHS
  Furnish the
        following information as to all securities of the issuer sold during the
        past three months by the person for whose account the securities are to be
        sold.
  Name and
        Address of Seller
  Title of
        Securities Sold
  Date of
        Sale
  Amount Of
  Securities Sold
  Gross Proceeds
  N/A
  REMARKS:
  INSTRUCTIONS:
  ATTENTION:
  See the definition of "person" in paragraph (a) of Rule 144.
        Information
  is to be given not only as to the person for whose account
        the securities
  are to be sold but also as to all other persons included
        in that definition.
  In addition, information shall be given as to sales
        by all persons whose
  sales are required by paragraph (e) of Rule 144 to
        be aggregated with
  sales for the account of the person filing this
        notice.
  The person for whose account the securities to which this notice
        relates are to be sold
  hereby represents by signing this notice that he
        does not know any material adverse
  information in regard to the current
        and prospective operations of the Issuer of the
  securities to be sold
        which has not been publicly disclosed.
  December 1, 2003
  (Date of Notice)
  /s/ James L. Head
  (Signature)
  The
        notice shall be signed by the person for whose account the securities are
        to be sold. At least one copy of the notice shall be manually signed. Any
        copies not manually signed shall bear typed or printed
        signatures.
  ATTENTION: International misstatements or omission of
        facts constitute Federal Criminal Violations (See 18 U.S.C. 1001)