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<TITLE>Citizens First Bancorp, Inc.</TITLE>
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
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        <TD align="left" width="67%"><FONT size="2"><B>As filed with the Securities and Exchange Commission on August&nbsp;13, 2002</B></FONT></TD>
        <TD width="5%">&nbsp;</TD>
        <TD align="right" width="28%"><FONT size="2">Registration
No.&nbsp;333-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
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<P align="center"><FONT size="2">UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
<B>Washington, D.C. 20549</B></FONT>




<P align="center"><FONT size="2">FORM S-8<BR>
<B>REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933</B></FONT>




<P align="center"><FONT size="2">CITIZENS FIRST BANCORP,
INC.<HR size="1" align="center" noshade width="50%">
<center>(Exact name of registrant as specified in its
charter)</center></FONT>




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<TABLE cellspacing="0" border="0" cellpadding="0" width="65%">
<TR valign="bottom">
        <TD width="67%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="28%">&nbsp;</TD>
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<TR valign="bottom">
        <TD valign="top"><FONT size="2"><B>Delaware</B></FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<B>38-3573582</B></FONT></TD>
</TR>
<TR>
        <TD valign="top" align="left"><HR size="1" noshade width="75%"></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">(State or other jurisdiction of
incorporation or organization)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
(I.R.S. Employer
Identification No.)</FONT></TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2"><B>525 Water Street Port Huron, MI</B></FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<B>48060</B></FONT></TD>
</TR>
<TR>
        <TD align="left" valign="top"><HR size="1" noshade width="75%"></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">(Address of Principal Executive Offices)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
(Zip Code)</FONT></TD>
</TR>
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<P align="center"><FONT size="2">CITIZENS FIRST BANCORP, INC. 2001 STOCK-BASED INCENTIVE PLAN<BR>
<HR size="1" noshade width="75%" align="center">
<center>(Full title of the plan)</center></FONT>




<P align="center"><FONT size="2">Marshall J. Campbell,<BR>
Chairman of the Board,<BR>
President and Chief Executive<BR>
Citizens First Bancorp, Inc.<BR>
525 Water Street<BR>
Port Huron, Michigan 48060</FONT>
<HR size="1" noshade align="center" width="50%">
<center><FONT size="2">(Name and address of agent for
service)</FONT></center>




<P align="center"><FONT size="2">(810)987-8300</FONT>
<HR size="1" noshade align="center" width="50%">
<center><FONT size="2">(Telephone number, including area code, of agent for service)</FONT></center>





<P align="center"><FONT size="2"><B>Calculation of Registration Fee</B></FONT>




<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
        <TD align="left" nowrap>&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD align="left">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="10%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="15%">&nbsp;</TD>
        <TD width="7%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="10%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD valign="bottom" align="left" nowrap><FONT size="1"><B>Title of securities</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD valign="bottom"  colspan="3" align="left"><FONT size="1"><B>Amount to be</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD valign="bottom"  align="center" colspan="3"><FONT size="1"><B>Proposed</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD valign="bottom"  align="left" colspan="3"><FONT size="1"><B>Proposed</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
        <TD valign="bottom"  align="left" nowrap><FONT size="1"><B>to be registered</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD valign="bottom"  colspan="3" align="left"><FONT size="1"><B>registered</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD valign="bottom"  align="center" colspan="3"><FONT size="1"><B>Maximum offering</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD valign="bottom"  align="left" colspan="3"><FONT size="1"><B>Maximum</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD valign="bottom"  align="center" colspan="3"><FONT size="1"><B>price per share</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD align="left" colspan="3" valign="bottom"><FONT size="1"><B>aggregate offering</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD align="left" colspan="2" valign="bottom"><FONT size="1"><B>Amount of</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD align="left" colspan="3" valign="bottom"><FONT size="1"><B>price</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD align="left" colspan="2" valign="bottom"><FONT size="1"><B>registration fee</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
        <TD colspan="16" align="left" nowrap><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom" bgcolor="#eeeeee">
        <TD align="left" nowrap><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Common Stock (1)</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD colspan="3" align="left"><FONT size="2">1,822,252 shares</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD nowrap align="left"><FONT size="2">$</FONT></TD>
        <TD align="right"><FONT size="2">20.48</FONT></TD>
        <TD nowrap><FONT size="2">(2)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">$</FONT></TD>
        <TD align="right"><FONT size="2">37,319,721</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">$</FONT></TD>
        <TD align="right"><FONT size="2">3,433.41</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
        <TD align="left" nowrap><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Common Stock (1)</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD colspan="3" align="left"><FONT size="2">23,100 shares</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD nowrap align="left"><FONT size="2">$</FONT></TD>
        <TD align="right"><FONT size="2">19.85</FONT></TD>
        <TD nowrap><FONT size="2">(3)</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">$</FONT></TD>
        <TD align="right"><FONT size="2">458,535</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="right"><FONT size="2">42.19</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom" bgcolor="#eeeeee">
        <TD align="left" nowrap><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Total</FONT></DIV></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD colspan="3" align="left"><FONT size="2">1,905,352 shares</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">$</FONT></TD>
        <TD align="right"><FONT size="2">37,778,256</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left"><FONT size="2">$</FONT></TD>
        <TD nowrap align="right"><FONT size="2">3,475.60</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</CENTER>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
      <TD width="1%" align="left" nowrap><FONT size="2">(1)</FONT></TD>
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="96%"><FONT size="2">$0.01 par value per share.</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
      <TD width="1%" align="left" nowrap><FONT size="2">(2)</FONT></TD>
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="96%"><FONT size="2">Calculated pursuant to Rule&nbsp;457(h) solely for the purpose of computing the registration fee and based on
the average of the high and low sales prices of the common stock, as quoted on The Nasdaq National Market on
August&nbsp;13, 2002.</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
      <TD width="1%" align="left" nowrap><FONT size="2">(3)</FONT></TD>
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="96%"><FONT size="2">Calculated pursuant to Rule&nbsp;457(h) solely for the purpose of computing the registration
fee and based on exercise price of $19.85 with regard to 23,100 options granted.</FONT></TD>
</TR>
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<P align="center"><FONT size="2">Page 1 of 12</FONT>




<P align="center"><FONT size="2">&nbsp;</FONT>

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</TR>
<TR><TD colspan="9"><A HREF="#000">PART II</A></TD></TR>
<TR><TD colspan="9"><A HREF="#001">EXPERTS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#002">SIGNATURES</A></TD></TR>
<TR><TD colspan="9"><A HREF="#003">POWER OF ATTORNEY</A></TD></TR>
<TR><TD colspan="9"><A HREF="#004">INDEX TO EXHIBITS</A></TD></TR>
<TR><TD colspan="9"><A HREF="k71400sv8.htm">Form S-8</A></TD></TR>
<TR><TD colspan="9"><A HREF="k71400exv5w1.txt">EX-5.1 Opinion/Consent of Hill Devendorf, P.C.</A></TD></TR>
<TR><TD colspan="9"><A HREF="k71400exv23w1.txt">EX-23.1 Consent of Plante & Moran, LLP</A></TD></TR>
<TR><TD colspan="9"><A HREF="k71400exv23w2.txt">Consent of Hill Devendorf, P.C.</A></TD></TR>
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<!-- link1 "PART II" -->
<DIV align="left"><A NAME="000"></A></DIV>
<P align="center"><FONT size="2"><B>PART II<BR>
<BR>
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</B>
</FONT>

<P align="left"><FONT size="2"><B>Item&nbsp;3. Incorporation of Documents by Reference.</B>
</FONT>

<P><FONT size="2">The documents listed below are incorporated by reference in this registration statement:

</FONT>


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="1%" align="left" nowrap><FONT size="2">1.</FONT></TD>
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="93%"><FONT size="2">Our Annual Report on
Form&nbsp;10-K for the fiscal year ended March&nbsp;31, 2002 and our
Quarterly Report on Form&nbsp;10-Q for the Quarter ended
June&nbsp;30, 2002, both as filed with the
Securities and Exchange Commission (the &#147;SEC&#148;) pursuant to the Securities Exchange Act of 1934.</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="1%" align="left" nowrap><FONT size="2">2.</FONT></TD>
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="93%"><FONT size="2">All other reports we filed pursuant to Section&nbsp;13(a) or 15(d) of the Securities Exchange Act
of 1934 since the end of our fiscal year ended March&nbsp;31, 2002.</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="1%" align="left" nowrap><FONT size="2">3.</FONT></TD>
        <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="93%"><FONT size="2">The description of our Common Stock included in our Registration Statement on Form&nbsp;S-1 (file
number 333-49234), as filed with the SEC pursuant to the Securities Act of 1933, as amended (the
&#147;Securities Act&#148;), which description is contained under the subheading &#147;Common Stock,&#148; which is under the
caption &#147;Description of Citizens First Bancorp Capital Stock&#148; on pp. 121-122 of Amendment No.&nbsp;2 to Form
S-1 filed with the SEC on January&nbsp;12, 2001.</FONT></TD>
</TR>
</TABLE>
<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents subsequently filed by us pursuant to Sections&nbsp;13(a), 13(c), 14 and 15(d) of the Securities
Exchange Act of 1934, before the filing of a post-effective amendment which indicates that all securities
offered have been sold or which de-registers all securities then remaining unsold, shall be deemed to be
incorporated by reference in this Registration Statement and to be part of this Registration Statement from the date of filing of such documents.

</FONT>


<P align="left"><FONT size="2"><B>Item&nbsp;4. Description of Securities.</B>
</FONT>

<P><FONT size="2">Not applicable.

</FONT>


<P align="left"><FONT size="2"><B>Item&nbsp;5. Interests of Named Experts and Counsel</B>
</FONT>

<P><FONT size="2">Not applicable.

</FONT>


<P align="left"><FONT size="2"><B>Item&nbsp;6. Indemnification of
Directors and Officers.</B>
</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company&#146;s certificate of incorporation contains provisions that limit the liability of and provide
indemnification for its directors and officers. These provisions generally provide that directors and officers
will be indemnified and held harmless by the Company when that individual is made a party to civil, criminal,
administrative and investigative proceedings.

</FONT>


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<P><FONT size="2">Directors and officers will be indemnified to the fullest extent authorized by Delaware Law against all expense,
liability, and loss reasonably incurred.

</FONT>


<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;More specifically, Articles X and XI of our Certificate of Incorporation provide as follows:

</FONT>


<P><FONT size="2">TENTH:

</FONT>


<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each person who was or is made a party or is threatened to be made a party to or is otherwise
involved in any action, suit or proceeding, whether civil, criminal, administrative or investigative (hereinafter a
&#147;proceeding&#148;), by reason of the fact that he or she is or was a Director or an Officer of the Corporation or is or
was serving at the request of the Corporation as a Director, Officer, employee or agent of another corporation
or of a partnership, joint venture, trust or other enterprise, including service with respect to an employee
benefit plan (hereinafter an &#147;indemnitee&#148;), whether the basis of such proceeding is alleged action in an official
capacity as a Director, Officer, employee or agent or in any other capacity while serving as a Director,
Officer, employee or agent, shall be indemnified and held harmless by the Corporation to the fullest extent
authorized by the Delaware General Corporation Law, as the same exists or may hereafter be amended (but, in the
case of any such amendment, only to the extent that such amendment permits the Corporation to provide broader
indemnification rights than such law permitted the Corporation to provide prior to such amendment), against all
expense, liability and loss (including attorneys&#146; fees, judgments, fines, ERISA excise taxes or penalties and
amounts paid in settlement) reasonably incurred or suffered by such indemnitee in connection therewith; provided,
however that, except as provided in Section&nbsp;C hereof with respect to proceedings to enforce rights to
indemnification, the Corporation shall indemnify any such indemnitee in connection with a proceeding (or part
thereof) initiated by such indemnitee only if such proceeding (or part thereof) was authorized by the Board of
Directors of the Corporation.

</FONT>


<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The right to indemnification conferred in Section&nbsp;A of this Article&nbsp;TENTH shall include the right to
be paid by the Corporation the expenses incurred in defending any such proceeding in advance of its final
disposition (hereinafter an &#147;advancement of expenses&#148;); provided, however, that, if the Delaware General
Corporation Law requires, an advancement of expenses incurred by an indemnitee in his or her capacity as a
Director or Officer (and not in any other capacity in which service was or is rendered, by such indemnitee,
including,without limitation, services to an employee benefit plan) shall be made only upon delivery to the
Corporation of an undertaking (hereinafter an &#147;undertaking&#148;), by or on behalf of such indemnitee, to repay all
amounts so advanced if it shall ultimately be determined by final judicial decision from which there is no further
right to appeal (hereinafter &#147;final adjudication&#148;) that such indemnitee is not entitled to be indemnified for such
expenses under this Section or otherwise. The rights to indemnification and to the advancement of expenses
conferred in Sections&nbsp;A and B of this Article&nbsp;TENTH shall be contract rights and such rights shall continue as
to an indemnitee who has ceased to be a Director, Officer, employee or agent and shall inure to the benefit of the
indemnitee&#146;s heirs, executors and administrators.

</FONT>


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<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If a claim under Section&nbsp;A or B of this Article&nbsp;TENTH is not paid in full by the Corporation within
sixty days after a written claim has been received by the
Corporation, except in the case of a claim for an advancement of expenses, in which case the applicable period shall be twenty days, the indemnitee may at any time
thereafter bring suit against the Corporation to recover the unpaid
amount of the claim. If successful in  whole or
in part in any such suit, or in a suit brought by the Corporation to recover an advancement of expenses
pursuant to the terns of an undertaking, the indemnitee shall be entitled to be paid also the expenses of
prosecuting or defending such suit. In (i)&nbsp;any suit brought by
the indemnitee to enforce a right to
indemnification hereunder (but not in a suit brought by the indemnitee to enforce a right to an advancement of
expenses) it shall be a defense that, and (ii) in any suit by the Corporation to recover an advancement of
expenses pursuant to the terms of an undertaking the Corporation shall be entitled to recover such expenses
upon a final adjudication that, the indemnitee has not met any applicable standard for indemnification set
forth in the Delaware General Corporation Law. Neither the failure of the Corporation (including its Board of
Directors, independent legal counsel, or its stockholders) to have made a determination prior to the
commencement of such suit that indemnification of the indemnitee is proper in the circumstances because the
indemnitee has met the applicable standard of conduct set forth in the Delaware General Corporation Law, nor an
actual determination by the Corporation (including its Board of Directors, independent legal counsel, or its
stockholders) that the indemnitee has not met such applicable standard of conduct, shall create a presumption
that the indemnitee has not met the applicable standard of conduct or, in the case of such a suit brought by
the indemnitee, be a defense to such suit. In any suit brought by the indemnitee to enforce a right to
indemnification or to an advancement of expenses hereunder, or by the Corporation to recover an advancement of
expenses pursuant to the terms of an undertaking, the burden of proving that the indemnitee is not entitled to
be indemnified, or to such advancement of expenses, under this Article&nbsp;TENTH or otherwise shall be on the
Corporation.

</FONT>


<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The rights to indemnification and to the advancement of expenses conferred in this Article&nbsp;TENTH
shall not be exclusive of any other right which any person may have or hereafter acquire under any statute, the
Corporation&#146;s Certificate of Incorporation, Bylaws, agreement, vote of stockholders or Disinterested Directors
or otherwise.

</FONT>


<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Corporation may maintain insurance, at its expense, to protect itself and any Director, Officer,
employee or agent of the Corporation or subsidiary or Affiliate or another corporation, partnership, joint
venture, trust or other enterprise against any expense, liability or loss, whether or not the Corporation would
have the power to indemnify such person against such expense, liability or loss under the Delaware General
Corporation Law.

</FONT>


<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation may, to the extent authorized from time to time by the Board of
Directors, grants rights to indemnification and to the advancement of expenses to any employee or agent of the
Corporation to the fullest extent of the provisions of this Article&nbsp;TENTH with respect to the indemnification and
advancement of expenses of Directors and Officers of the Corporation.

</FONT>

<P align="center"><FONT size="2">Page 4 of 12</FONT>
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<P><FONT size="2">ELEVENTH:

</FONT>


<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A Director of this Corporation shall not be personally liable to the Corporation or its stockholders for
monetary damages for breach of fiduciary duty as a Director, except for liability (i)&nbsp;for any breach of the
Director&#146;s duty of loyalty, to the Corporation or its
stockholders, (ii)&nbsp;for acts or omissions not in good faith
or which involve intentional misconduct or a knowing violation of law, (iii)&nbsp;under Section. 174 of the Delaware
General Corporation Law, or (iv)&nbsp;for any transaction from which the Director derived an improper personal
benefit. If the Delaware General Corporation Law is amended to authorize corporate action further eliminating or
limiting the personal liability of Directors, then that liability of a Director of the Corporation shall be
eliminated or limited to the fullest extent permitted by the Delaware General Corporation Law, as so amended.

</FONT>


<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any repeal or modification of the foregoing paragraph by the stockholders of the Corporation shall not
adversely affect any right or protection of a Director of the Corporation existing at the time of such repeal or
modification.

</FONT>


<P align="left"><FONT size="2"><B>Item&nbsp;7. Exemption from Registration Claimed.</B>

</FONT>


<P><FONT size="2">Not applicable.

</FONT>


<P align="left"><FONT size="2"><B>Item&nbsp;8. Exhibits.</B>
</FONT>

<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="95%">
<TR valign="bottom">
        <TD width="6%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="91%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Certificate of Incorporation of Citizens First Bancorp, Inc., incorporated by reference to
Exhibit&nbsp;3.1 to our Form&nbsp;S-1 Registration Statement (and amendments thereto) initially filed with the SEC
on November&nbsp;3, 2000, Registration No.&nbsp;33-49234.</FONT></TD>
</TR>
<TR><TD colspan="3">&nbsp;</TD></TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.2</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Bylaws of Citizens First Bancorp, Inc., incorporated by reference to Exhibit&nbsp;3.2, to
our Form S-1 Registration Statement (and amendments thereto) initially filed with the SEC on
November&nbsp;3, 2000, Registration No.&nbsp;33.49234.</FONT></TD>
</TR>
<TR><TD colspan="3">&nbsp;</TD></TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.3</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Citizens First Bancorp, Inc. 2001 Stock-Based Incentive Plan, incorporated by
reference to Appendix&nbsp;B to our Proxy Statement, as filed with the SEC on September&nbsp;10, 2001.</FONT></TD>
</TR>
<TR><TD colspan="3">&nbsp;</TD></TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">5.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Opinion of Hill Devendorf, P.C.</FONT></TD>
</TR>
<TR><TD colspan="3">&nbsp;</TD></TR>

<TR valign="bottom">
        <TD valign="top"><FONT size="2">23.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Consent of Plante &#038; Moran, LLP.</FONT></TD>
</TR>
<TR><TD colspan="3">&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">23.2</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Consent of Hill Devendorf, P.C. (included in the opinion filed as
Exhibit&nbsp;5.1 to this Registration Statement).</FONT></TD>
</TR>
</TABLE>
</CENTER>
<P align="center"><FONT size="2">Page 5 of 12</FONT>




<P align="center"><FONT size="2">&nbsp;</FONT>

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<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="95%">
<TR valign="bottom">
        <TD width="6%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="91%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">24.2</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Powers of Attorney (included after the signature of the Registrant contained on page 8 of this
Registration Statement).</FONT></TD>
</TR>
</TABLE>
</CENTER>

<P align="left"><FONT size="2"><B>Item&nbsp;9. Undertakings.</B></FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;The undersigned registrant hereby undertakes:</FONT>

<P>
<TABLE width="80%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
        <TD width="5%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="95%" align="left"><FONT size="2">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>

<P>

<TABLE width="95%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
        <TD width="4%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="3%" align="left" nowrap><FONT size="2">(i)</FONT></TD>
        <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="90%"><FONT size="2">To include any prospectus required by Section&nbsp;10(a)(3) of the Securities Act of 1933;</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
        <TD width="4%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="3%" align="left" nowrap><FONT size="2">(ii)</FONT></TD>
        <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="90%"><FONT size="2">To reflect in the prospectus any facts or events arising after the effective date of
the registration statement (or the most recent post-effective amendment thereof) which,
individually or in the aggregate, represent a fundamental change in the information set forth in
the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of
securities offered (if the total dollar value of securities offered would not exceed that which
was registered) and any deviation from the low or high end of the estimated maximum offering
range may be reflected in the form of prospectus filed with the Commission pursuant to Rule
424(b) if, in the aggregate, the changes in volume and price represent no more than a 20%
change in the maximum aggregate offering price set forth in the &#147;Calculation of Registration Fee&#148;
table in the effective registration statement;</FONT></TD>
</TR>
<TR>
        <TD><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR valign="top">
        <TD width="4%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="3%" align="left" nowrap><FONT size="2">(iii)</FONT></TD>
        <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="90%"><FONT size="2">To include any material information with respect to the plan of distribution not
previously disclosed in the registration statement or any material change to such information
in the registration statement;</FONT></TD>
</TR>
</TABLE>

<P>
<TABLE width="80%" border="0" cellpadding="0" cellspacing="0">
<TR>
        <TD width="5%">&nbsp;</TD>
        <TD width="95%" align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provided, however, that paragraphs (a)(l)(i) and (a)(l)(ii) do not apply if the
registration statement is on Form&nbsp;S-3 or Form&nbsp;S-8, and the information required to be included in
a post-effective amendment by those paragraphs is contained in periodic reports filed by the
registrant pursuant to Section&nbsp;13 or Section&nbsp;15(d) of the Securities Exchange Act of 1934 that
are incorporated by reference in the registration statement.</FONT></TD>
</TR>
</TABLE>

<P>
<TABLE width="80%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
        <TD width="5%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="95%" align="left"><FONT size="2">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;That, for the purpose of determining any liability under the Securities Act of 1933, each
such post-effective amendment shall be deemed to be a new registration statement relating to the
securities offered therein, and the offering of such securities at that time shall be deemed to
be the initial bona fide offering thereof.</FONT></TD>
</TR>
</TABLE>

<P align="center"><FONT size="2">Page 6 of 12</FONT>




<P align="center"><FONT size="2">&nbsp;</FONT>

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<P>
<TABLE width="85%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
        <TD width="5%"><FONT size="2">&nbsp;</FONT></TD>
        <TD width="95%" align="left"><FONT size="2">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To remove from registration by means of a post-effective amendment any of the securities
being registered which remain unsold at the termination of the offering.</FONT></TD>
</TR>
</TABLE>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;The undersigned registrant hereby undertakes that, for proposes of determining any liability under
the Securities Act of 1933, each filing of the registrant&#146;s annual report pursuant to Section&nbsp;13(a) or Section
15(d) of file Securities Exchange Act of 1934 that is incorporated by reference in the registration statement
shall be deemed to be a new registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be
permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing
provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as expressed in the Securities Act of 1933 and is,
therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than
the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the
registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or
controlling person in connection with the securities being registered, the registrant will, unless in the
opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate
jurisdiction the question whether such indemnification by it is against public policy as expressed in the
Securities Act of 1933 and will be governed by the final adjudication of such issue.</FONT>

<!-- link1 "EXPERTS" -->
<DIV align="left"><A NAME="001"></A></DIV>
<P align="center"><B><FONT size="2">EXPERTS</FONT></B>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The financial statements and the related financial statement schedule incorporated in this
registration statement and in the prospectus related to this registration statement by reference from our Annual
Report on Form&nbsp;10-K for the year ended March&nbsp;31, 2002 have been audited by Plante &#038; Moran, LLP, independent
auditors, as stated in their report, which is incorporated in this registration statement and such prospectus by
reference, and have been so incorporated in reliance upon the report of such firm given upon their authority as
experts in accounting and auditing.

</FONT>


<P align="center"><FONT size="2">Page 7 of 12</FONT>




<P align="center"><FONT size="2">&nbsp;</FONT>

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<!-- link1 "SIGNATURES" -->
<DIV align="left"><A NAME="002"></A></DIV>
<P align="center"><FONT size="2"><B>SIGNATURES</B>
</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, the registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form&nbsp;S-8 and has duly caused
this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the
City of Port Huron, State of Michigan, on August&nbsp;13, 2002.

</FONT>


<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
        <TD width="50%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="46%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD colspan="3" align="left" valign="top"><FONT size="2">
CITIZENS FIRST BANCORP, INC.</FONT></TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD width="50%">&nbsp;</TD>
        <TD valign="top"><FONT size="2">By:</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
/S/ Marshall J. Campbell</FONT></TD>
</TR>
<TR>
        <TD width="50%">&nbsp;</TD>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
        <TD width="50%">&nbsp;</TD>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Marshall J. Campbell</FONT></TD>
</TR>
<TR valign="bottom">
        <TD width="50%">&nbsp;</TD>
        <TD valign="top"><FONT size="2">Its:</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Chairman of the Board, President and<BR>
Chief Executive Officer</FONT></TD>
</TR>
</TABLE>
</CENTER>

<!-- link1 "POWER OF ATTORNEY" -->
<DIV align="left"><A NAME="003"></A></DIV>
<P align="center"><FONT size="2"><B>POWER OF ATTORNEY</B>
</FONT>

<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOW ALL PERSONS BY THESE PRESENTS, that each of the undersigned officers and directors of CITIZENS FIRST
BANCORP, INC., a Delaware corporation (the &#147;Company&rdquo;), hereby constitutes and appoints Marshall J. Campbell and
Timothy D. Regan, and each of them, the true and lawful attorneys-in-fact and agents of the undersigned, each with
the power at substitution for him in any and all capacities, with full power and authority in said attorneys-in-fact to sign, execute and affix his seal thereto and file the proposed registration statement on
Form&nbsp;S-8 to be filed by the Company under the Securities Act of 1933, as amended, which registration statement
relates to the registration and issuance of the Company&#146;s Common Stock, par value $0.01 a share, pursuant to the
Citizens First Bancorp 2001 Stock-Based Incentive Plan, and any of the documents relating to such registration
statement; any and all amendments to such registration statement, including any amendment thereto changing the
amount of securities for which registration is being sought, and any post-effective amendment, with all exhibits
and any and all documents required to be filed with respect thereto with any regulatory authority; granting unto
said attorneys and each of them, full power and authority to do and perform each and every act and thing
requisite and necessary to be done in and about the premises in order to effectuate the same as fully to all
intents and purposes as he might or could do if personally present, hereby ratifying and confirming all that said
attorneys-in-fact and agents may lawfully do or cause to be done by virtue hereof.

</FONT>


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<P align="center"><FONT size="2">&nbsp;</FONT>

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<P><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed
by the following persons in the capacities and on the date indicated.

</FONT>


<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="75%">
<TR valign="bottom">
        <TD width="41%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="32%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="17%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="left"><FONT size="1"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Signature</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="left"><FONT size="1"><B>Title</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="left"><FONT size="1"><B>Date</B></FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><HR align="left"  width="50%" size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><HR align="left"  width="50%" size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><HR align="left"  width="50%" size="1" noshade></TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">/S/ Marshall J. Campbell<BR>
</FONT><HR align="left"  width="100%" size="1" noshade><FONT size="2">
Marshall J. Campbell</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Chairman of the Board,<BR>
President and Chief<BR>
Executive Officer and<BR>
(Principal Officer)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">August 13, 2002</FONT></TD>
</TR>
<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">/S/ Timothy D. Regan<BR>
</FONT><HR align="left"  width="100%" size="1" noshade><FONT size="2">
Timothy D. Regan</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Secretary, Treasurer and<BR>
Director (Principal<BR>
Financial Officer and<BR>
Principal Accounting<BR>
Officer)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">August 13, 2002</FONT></TD>
</TR>
<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">/S/ Larry J. Moeller, Sr.<BR>
</FONT><HR align="left"  width="100%" size="1" noshade><FONT size="2">
Larry J. Moeller, Sr.</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">August 13, 2002</FONT></TD>
</TR>
<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">/S/ Ronald W. Cooley<BR>
</FONT><HR align="left"  width="100%" size="1" noshade><FONT size="2">
Ronald W. Cooley</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">August 13, 2002</FONT></TD>
</TR>
<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">/S/ Christopher A. Kellerman<BR>
</FONT><HR align="left"  width="100%" size="1" noshade><FONT size="2">
Christopher A. Kellerman</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">August 13, 2002</FONT></TD>
</TR>
<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">/S/ Walid Demashkieh, M.D.<BR>
</FONT><HR align="left"  width="100%" size="1" noshade><FONT size="2">
Walid Demashkieh, M.D.</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Director
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">August 13, 2002</FONT></TD>
</TR>
</TABLE>
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<P align="center"><FONT size="2">Page 9 of 12</FONT>




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<!-- link1 "INDEX TO EXHIBITS" -->
<DIV align="left"><A NAME="004"></A></DIV>
<P align="center"><FONT size="2"><B>INDEX TO EXHIBITS</B></FONT>




<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="75%">
<TR valign="bottom">
        <TD width="8%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="79%">&nbsp;</TD>
        <TD width="5%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1"><B>Exhibit</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><FONT size="1"><B>Number</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="left"><FONT size="1"><B>Description</B></FONT></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><FONT size="1"><B>Page</B></FONT></TD>
</TR>
<TR valign="bottom">
        <TD nowrap align="center"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><HR size="1" noshade></TD>
        <TD><FONT size="1">&nbsp;</FONT></TD>
        <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Certificate of Incorporation of Citizens First Bancorp, Inc.
incorporated by reference to Exhibit&nbsp;3.1 to our Form&nbsp;S-1
Registration Statement (and amendments thereto) initially
filed with the SEC on November&nbsp;3, 2000, Registration
No.&nbsp;33-49234
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">N/A</FONT></TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.2</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Bylaws of Citizens First Bancorp, Inc., incorporated by
reference to Exhibit&nbsp;3.2 to our Form&nbsp;S-1 Registration
Statement (and amendments thereto) initially filed with
the SEC on November&nbsp;3, 2000, Registration No.&nbsp;33-49234
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">N/A</FONT></TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">4.3</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Citizens First Bancorp, Inc. 2001 Sock-Based Incentive Plan
incorporated by reference to Appendix&nbsp;B to our Proxy
Statement, as filed with the SEC on September 10, 2001
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">N/A</FONT></TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">5.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Opinion of Hill Devendorf, P.C.
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">11</FONT></TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">23.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Consent of Plate &#038; Moran, LLP
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">12</FONT></TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">23.2</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Consent of Hill Devendorf, PC. (included in the opinion
filed as Exhibit&nbsp;5.1 to this Registration Statement)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">11</FONT></TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">24.1</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Powers of Attorney (included after the signature of the
Registrant contained on page 8 of this Registration Statement)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">8</FONT></TD>
</TR>
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<P align="center"><FONT size="2">Page 10 of 12</FONT>






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Citizens First Bancorp, Inc.
Table of Contents
As filed with the Securities and Exchange Commission on August 13, 2002
Registration
No. 333-
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-8
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
CITIZENS FIRST BANCORP,
INC.
(Exact name of registrant as specified in its
charter)
Delaware
38-3573582
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer
Identification No.)
525 Water Street Port Huron, MI
48060
(Address of Principal Executive Offices)
(Zip Code)
CITIZENS FIRST BANCORP, INC. 2001 STOCK-BASED INCENTIVE PLAN
(Full title of the plan)
Marshall J. Campbell,
Chairman of the Board,
President and Chief Executive
Citizens First Bancorp, Inc.
525 Water Street
Port Huron, Michigan 48060
(Name and address of agent for
service)
(810)987-8300
(Telephone number, including area code, of agent for service)
Calculation of Registration Fee
Title of securities
Amount to be
Proposed
Proposed
to be registered
registered
Maximum offering
Maximum
price per share
aggregate offering
Amount of
price
registration fee
Common Stock (1)
1,822,252 shares
$
20.48
(2)
$
37,319,721
$
3,433.41
Common Stock (1)
23,100 shares
$
19.85
(3)
$
458,535
42.19
Total
1,905,352 shares
$
37,778,256
$
3,475.60
(1)
$0.01 par value per share.
(2)
Calculated pursuant to Rule 457(h) solely for the purpose of computing the registration fee and based on
the average of the high and low sales prices of the common stock, as quoted on The Nasdaq National Market on
August 13, 2002.
(3)
Calculated pursuant to Rule 457(h) solely for the purpose of computing the registration
fee and based on exercise price of $19.85 with regard to 23,100 options granted.
Page 1 of 12
TABLE OF CONTENTS
PART II
EXPERTS
SIGNATURES
POWER OF ATTORNEY
INDEX TO EXHIBITS
Form S-8
EX-5.1 Opinion/Consent of Hill Devendorf, P.C.
EX-23.1 Consent of Plante & Moran, LLP
Consent of Hill Devendorf, P.C.
Table of Contents
PART II
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
Item 3. Incorporation of Documents by Reference.
The documents listed below are incorporated by reference in this registration statement:
1.
Our Annual Report on
Form 10-K for the fiscal year ended March 31, 2002 and our
Quarterly Report on Form 10-Q for the Quarter ended
June 30, 2002, both as filed with the
Securities and Exchange Commission (the "SEC") pursuant to the Securities Exchange Act of 1934.
2.
All other reports we filed pursuant to Section 13(a) or 15(d) of the Securities Exchange Act
of 1934 since the end of our fiscal year ended March 31, 2002.
3.
The description of our Common Stock included in our Registration Statement on Form S-1 (file
number 333-49234), as filed with the SEC pursuant to the Securities Act of 1933, as amended (the
"Securities Act"), which description is contained under the subheading "Common Stock," which is under the
caption "Description of Citizens First Bancorp Capital Stock" on pp. 121-122 of Amendment No. 2 to Form
S-1 filed with the SEC on January 12, 2001.
All documents subsequently filed by us pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Securities
Exchange Act of 1934, before the filing of a post-effective amendment which indicates that all securities
offered have been sold or which de-registers all securities then remaining unsold, shall be deemed to be
incorporated by reference in this Registration Statement and to be part of this Registration Statement from the date of filing of such documents.
Item 4. Description of Securities.
Not applicable.
Item 5. Interests of Named Experts and Counsel
Not applicable.
Item 6. Indemnification of
Directors and Officers.
The Company's certificate of incorporation contains provisions that limit the liability of and provide
indemnification for its directors and officers. These provisions generally provide that directors and officers
will be indemnified and held harmless by the Company when that individual is made a party to civil, criminal,
administrative and investigative proceedings.
Page 2 of 12
Table of Contents
Directors and officers will be indemnified to the fullest extent authorized by Delaware Law against all expense,
liability, and loss reasonably incurred.
More specifically, Articles X and XI of our Certificate of Incorporation provide as follows:
TENTH:
A.     Each person who was or is made a party or is threatened to be made a party to or is otherwise
involved in any action, suit or proceeding, whether civil, criminal, administrative or investigative (hereinafter a
"proceeding"), by reason of the fact that he or she is or was a Director or an Officer of the Corporation or is or
was serving at the request of the Corporation as a Director, Officer, employee or agent of another corporation
or of a partnership, joint venture, trust or other enterprise, including service with respect to an employee
benefit plan (hereinafter an "indemnitee"), whether the basis of such proceeding is alleged action in an official
capacity as a Director, Officer, employee or agent or in any other capacity while serving as a Director,
Officer, employee or agent, shall be indemnified and held harmless by the Corporation to the fullest extent
authorized by the Delaware General Corporation Law, as the same exists or may hereafter be amended (but, in the
case of any such amendment, only to the extent that such amendment permits the Corporation to provide broader
indemnification rights than such law permitted the Corporation to provide prior to such amendment), against all
expense, liability and loss (including attorneys' fees, judgments, fines, ERISA excise taxes or penalties and
amounts paid in settlement) reasonably incurred or suffered by such indemnitee in connection therewith; provided,
however that, except as provided in Section C hereof with respect to proceedings to enforce rights to
indemnification, the Corporation shall indemnify any such indemnitee in connection with a proceeding (or part
thereof) initiated by such indemnitee only if such proceeding (or part thereof) was authorized by the Board of
Directors of the Corporation.
B.     The right to indemnification conferred in Section A of this Article TENTH shall include the right to
be paid by the Corporation the expenses incurred in defending any such proceeding in advance of its final
disposition (hereinafter an "advancement of expenses"); provided, however, that, if the Delaware General
Corporation Law requires, an advancement of expenses incurred by an indemnitee in his or her capacity as a
Director or Officer (and not in any other capacity in which service was or is rendered, by such indemnitee,
including,without limitation, services to an employee benefit plan) shall be made only upon delivery to the
Corporation of an undertaking (hereinafter an "undertaking"), by or on behalf of such indemnitee, to repay all
amounts so advanced if it shall ultimately be determined by final judicial decision from which there is no further
right to appeal (hereinafter "final adjudication") that such indemnitee is not entitled to be indemnified for such
expenses under this Section or otherwise. The rights to indemnification and to the advancement of expenses
conferred in Sections A and B of this Article TENTH shall be contract rights and such rights shall continue as
to an indemnitee who has ceased to be a Director, Officer, employee or agent and shall inure to the benefit of the
indemnitee's heirs, executors and administrators.
Page 3 of 12
Table of Contents
C.     If a claim under Section A or B of this Article TENTH is not paid in full by the Corporation within
sixty days after a written claim has been received by the
Corporation, except in the case of a claim for an advancement of expenses, in which case the applicable period shall be twenty days, the indemnitee may at any time
thereafter bring suit against the Corporation to recover the unpaid
amount of the claim. If successful in  whole or
in part in any such suit, or in a suit brought by the Corporation to recover an advancement of expenses
pursuant to the terns of an undertaking, the indemnitee shall be entitled to be paid also the expenses of
prosecuting or defending such suit. In (i) any suit brought by
the indemnitee to enforce a right to
indemnification hereunder (but not in a suit brought by the indemnitee to enforce a right to an advancement of
expenses) it shall be a defense that, and (ii) in any suit by the Corporation to recover an advancement of
expenses pursuant to the terms of an undertaking the Corporation shall be entitled to recover such expenses
upon a final adjudication that, the indemnitee has not met any applicable standard for indemnification set
forth in the Delaware General Corporation Law. Neither the failure of the Corporation (including its Board of
Directors, independent legal counsel, or its stockholders) to have made a determination prior to the
commencement of such suit that indemnification of the indemnitee is proper in the circumstances because the
indemnitee has met the applicable standard of conduct set forth in the Delaware General Corporation Law, nor an
actual determination by the Corporation (including its Board of Directors, independent legal counsel, or its
stockholders) that the indemnitee has not met such applicable standard of conduct, shall create a presumption
that the indemnitee has not met the applicable standard of conduct or, in the case of such a suit brought by
the indemnitee, be a defense to such suit. In any suit brought by the indemnitee to enforce a right to
indemnification or to an advancement of expenses hereunder, or by the Corporation to recover an advancement of
expenses pursuant to the terms of an undertaking, the burden of proving that the indemnitee is not entitled to
be indemnified, or to such advancement of expenses, under this Article TENTH or otherwise shall be on the
Corporation.
D.     The rights to indemnification and to the advancement of expenses conferred in this Article TENTH
shall not be exclusive of any other right which any person may have or hereafter acquire under any statute, the
Corporation's Certificate of Incorporation, Bylaws, agreement, vote of stockholders or Disinterested Directors
or otherwise.
E.     The
Corporation may maintain insurance, at its expense, to protect itself and any Director, Officer,
employee or agent of the Corporation or subsidiary or Affiliate or another corporation, partnership, joint
venture, trust or other enterprise against any expense, liability or loss, whether or not the Corporation would
have the power to indemnify such person against such expense, liability or loss under the Delaware General
Corporation Law.
F.     The Corporation may, to the extent authorized from time to time by the Board of
Directors, grants rights to indemnification and to the advancement of expenses to any employee or agent of the
Corporation to the fullest extent of the provisions of this Article TENTH with respect to the indemnification and
advancement of expenses of Directors and Officers of the Corporation.
Page 4 of 12
Table of Contents
ELEVENTH:
A Director of this Corporation shall not be personally liable to the Corporation or its stockholders for
monetary damages for breach of fiduciary duty as a Director, except for liability (i) for any breach of the
Director's duty of loyalty, to the Corporation or its
stockholders, (ii) for acts or omissions not in good faith
or which involve intentional misconduct or a knowing violation of law, (iii) under Section. 174 of the Delaware
General Corporation Law, or (iv) for any transaction from which the Director derived an improper personal
benefit. If the Delaware General Corporation Law is amended to authorize corporate action further eliminating or
limiting the personal liability of Directors, then that liability of a Director of the Corporation shall be
eliminated or limited to the fullest extent permitted by the Delaware General Corporation Law, as so amended.
Any repeal or modification of the foregoing paragraph by the stockholders of the Corporation shall not
adversely affect any right or protection of a Director of the Corporation existing at the time of such repeal or
modification.
Item 7. Exemption from Registration Claimed.
Not applicable.
Item 8. Exhibits.
4.1
Certificate of Incorporation of Citizens First Bancorp, Inc., incorporated by reference to
Exhibit 3.1 to our Form S-1 Registration Statement (and amendments thereto) initially filed with the SEC
on November 3, 2000, Registration No. 33-49234.
4.2
Bylaws of Citizens First Bancorp, Inc., incorporated by reference to Exhibit 3.2, to
our Form S-1 Registration Statement (and amendments thereto) initially filed with the SEC on
November 3, 2000, Registration No. 33.49234.
4.3
Citizens First Bancorp, Inc. 2001 Stock-Based Incentive Plan, incorporated by
reference to Appendix B to our Proxy Statement, as filed with the SEC on September 10, 2001.
5.1
Opinion of Hill Devendorf, P.C.
23.1
Consent of Plante & Moran, LLP.
23.2
Consent of Hill Devendorf, P.C. (included in the opinion filed as
Exhibit 5.1 to this Registration Statement).
Page 5 of 12
Table of Contents
24.2
Powers of Attorney (included after the signature of the Registrant contained on page 8 of this
Registration Statement).
Item 9. Undertakings.
(a)  The undersigned registrant hereby undertakes:
(1)     To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:
(i)
To include any prospectus required by Section 10(a)(3) of the Securities Act of 1933;
(ii)
To reflect in the prospectus any facts or events arising after the effective date of
the registration statement (or the most recent post-effective amendment thereof) which,
individually or in the aggregate, represent a fundamental change in the information set forth in
the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of
securities offered (if the total dollar value of securities offered would not exceed that which
was registered) and any deviation from the low or high end of the estimated maximum offering
range may be reflected in the form of prospectus filed with the Commission pursuant to Rule
424(b) if, in the aggregate, the changes in volume and price represent no more than a 20%
change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee"
table in the effective registration statement;
(iii)
To include any material information with respect to the plan of distribution not
previously disclosed in the registration statement or any material change to such information
in the registration statement;
Provided, however, that paragraphs (a)(l)(i) and (a)(l)(ii) do not apply if the
registration statement is on Form S-3 or Form S-8, and the information required to be included in
a post-effective amendment by those paragraphs is contained in periodic reports filed by the
registrant pursuant to Section 13 or Section 15(d) of the Securities Exchange Act of 1934 that
are incorporated by reference in the registration statement.
(2)     That, for the purpose of determining any liability under the Securities Act of 1933, each
such post-effective amendment shall be deemed to be a new registration statement relating to the
securities offered therein, and the offering of such securities at that time shall be deemed to
be the initial bona fide offering thereof.
Page 6 of 12
Table of Contents
(3)     To remove from registration by means of a post-effective amendment any of the securities
being registered which remain unsold at the termination of the offering.
(b)  The undersigned registrant hereby undertakes that, for proposes of determining any liability under
the Securities Act of 1933, each filing of the registrant's annual report pursuant to Section 13(a) or Section
15(d) of file Securities Exchange Act of 1934 that is incorporated by reference in the registration statement
shall be deemed to be a new registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.
(c)  Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be
permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing
provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as expressed in the Securities Act of 1933 and is,
therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than
the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the
registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or
controlling person in connection with the securities being registered, the registrant will, unless in the
opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate
jurisdiction the question whether such indemnification by it is against public policy as expressed in the
Securities Act of 1933 and will be governed by the final adjudication of such issue.
EXPERTS
The financial statements and the related financial statement schedule incorporated in this
registration statement and in the prospectus related to this registration statement by reference from our Annual
Report on Form 10-K for the year ended March 31, 2002 have been audited by Plante & Moran, LLP, independent
auditors, as stated in their report, which is incorporated in this registration statement and such prospectus by
reference, and have been so incorporated in reliance upon the report of such firm given upon their authority as
experts in accounting and auditing.
Page 7 of 12
Table of Contents
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly caused
this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the
City of Port Huron, State of Michigan, on August 13, 2002.
CITIZENS FIRST BANCORP, INC.
By:
/S/ Marshall J. Campbell
Marshall J. Campbell
Its:
Chairman of the Board, President and
Chief Executive Officer
POWER OF ATTORNEY
KNOW ALL PERSONS BY THESE PRESENTS, that each of the undersigned officers and directors of CITIZENS FIRST
BANCORP, INC., a Delaware corporation (the "Company"), hereby constitutes and appoints Marshall J. Campbell and
Timothy D. Regan, and each of them, the true and lawful attorneys-in-fact and agents of the undersigned, each with
the power at substitution for him in any and all capacities, with full power and authority in said attorneys-in-fact to sign, execute and affix his seal thereto and file the proposed registration statement on
Form S-8 to be filed by the Company under the Securities Act of 1933, as amended, which registration statement
relates to the registration and issuance of the Company's Common Stock, par value $0.01 a share, pursuant to the
Citizens First Bancorp 2001 Stock-Based Incentive Plan, and any of the documents relating to such registration
statement; any and all amendments to such registration statement, including any amendment thereto changing the
amount of securities for which registration is being sought, and any post-effective amendment, with all exhibits
and any and all documents required to be filed with respect thereto with any regulatory authority; granting unto
said attorneys and each of them, full power and authority to do and perform each and every act and thing
requisite and necessary to be done in and about the premises in order to effectuate the same as fully to all
intents and purposes as he might or could do if personally present, hereby ratifying and confirming all that said
attorneys-in-fact and agents may lawfully do or cause to be done by virtue hereof.
Page 8 of 12
Table of Contents
Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed
by the following persons in the capacities and on the date indicated.
Signature
Title
Date
/S/ Marshall J. Campbell
Marshall J. Campbell
Chairman of the Board,
President and Chief
Executive Officer and
(Principal Officer)
August 13, 2002
/S/ Timothy D. Regan
Timothy D. Regan
Secretary, Treasurer and
Director (Principal
Financial Officer and
Principal Accounting
Officer)
August 13, 2002
/S/ Larry J. Moeller, Sr.
Larry J. Moeller, Sr.
Director
August 13, 2002
/S/ Ronald W. Cooley
Ronald W. Cooley
Director
August 13, 2002
/S/ Christopher A. Kellerman
Christopher A. Kellerman
Director
August 13, 2002
/S/ Walid Demashkieh, M.D.
Walid Demashkieh, M.D.
Director
August 13, 2002
Page 9 of 12
Table of Contents
INDEX TO EXHIBITS
Exhibit
Number
Description
Page
4.1
Certificate of Incorporation of Citizens First Bancorp, Inc.
incorporated by reference to Exhibit 3.1 to our Form S-1
Registration Statement (and amendments thereto) initially
filed with the SEC on November 3, 2000, Registration
No. 33-49234
N/A
4.2
Bylaws of Citizens First Bancorp, Inc., incorporated by
reference to Exhibit 3.2 to our Form S-1 Registration
Statement (and amendments thereto) initially filed with
the SEC on November 3, 2000, Registration No. 33-49234
N/A
4.3
Citizens First Bancorp, Inc. 2001 Sock-Based Incentive Plan
incorporated by reference to Appendix B to our Proxy
Statement, as filed with the SEC on September 10, 2001
N/A
5.1
Opinion of Hill Devendorf, P.C.
11
23.1
Consent of Plate & Moran, LLP
12
23.2
Consent of Hill Devendorf, PC. (included in the opinion
filed as Exhibit 5.1 to this Registration Statement)
11
24.1
Powers of Attorney (included after the signature of the
Registrant contained on page 8 of this Registration Statement)
8
Page 10 of 12