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<BR><FONT SIZE="-1">  <CENTER>As filed with the Securities and Exchange Commission on September 12, 2005</CENTER>
</FONT>


<P ALIGN=RIGHT><FONT SIZE="-1">	Registration No. 333- <STRONG>[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;] </STRONG></FONT><HR SIZE=3></P>


<BR><FONT SIZE="-1"><CENTER><STRONG>SECURITIES AND EXCHANGE COMMISSION<BR>Washington, DC  20549<BR>
<BR>________________________________<BR><BR><FONT SIZE="+1"><STRONG>REGISTRATION STATEMENT<BR>ON FORM S-8<BR>UNDER THE SECURITIES ACT OF 1933</STRONG></FONT><BR>________________________________<BR></CENTER></STRONG>

<BR>
<BR><CENTER><FONT SIZE="+1"><STRONG>CITIZENS COMMUNITY BANCORP</STRONG></FONT><HR>(Exact name of registrant as specified in its charter)</CENTER>

<BR>
<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD ALIGN=CENTER><FONT SIZE="-1"><STRONG>United States</STRONG><HR>(State or other jurisdiction of incorporation<BR>or organization)</TD>
<TD ALIGN=CENTER><FONT SIZE="-1"><STRONG>20-0663325</STRONG><HR>(I.R.S. Employer Identification No.)</TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;&nbsp;</TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD ALIGN=CENTER><FONT SIZE="-1"><STRONG>2174 EastRidge Center, Eau Claire, Wisconsin</STRONG><HR>(Address of principal executive offices)</TD>
<TD ALIGN=CENTER><FONT SIZE="-1"><STRONG>54701</STRONG><HR>(Zip Code)</TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD></TR></TABLE>

<BR>
<BR><CENTER><FONT SIZE="+1"><STRONG>CITIZENS COMMUNITY BANCORP</STRONG></FONT>

<BR><FONT SIZE="+1"><STRONG>2004 RECOGNITION AND RETENTION PLAN</STRONG></FONT><HR>(Full title of the plan)</CENTER>


<BR>

<BR>
<BR><STRONG><CENTER>Martin L. Meyrowitz, P.C.</STRONG>

<BR><STRONG>Beth A. Freedman, Esq.</STRONG>

<BR><STRONG>Silver, Freedman &amp; Taff, L.L.P.</STRONG>

<BR><STRONG><FONT SIZE="-1">(a limited liability partnership including professional corporations)</STRONG></FONT>

<BR><STRONG>1700 Wisconsin Avenue, N.W.</STRONG>

<BR><STRONG>Washington, D.C.  20007</STRONG>

<HR>(Name and address of agent for service)<br><br><STRONG>(202) 295-4500</STRONG><HR>(Telephone number, including area code, of agent for service)</CENTER>

<br><br>
<BR>

<TABLE ALIGN="CENTER" WIDTH="100%">
<TR VALIGN="TOP"><TD COLSPAN="5" ALIGN="CENTER"><FONT SIZE="-1"><STRONG>CALCULATION OF REGISTRATION FEE</STRONG><HR SIZE=3></TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Title of securities<BR>to be registered<HR></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Amount to be<BR>registered<SUP>(1)</SUP><HR></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Proposed<BR>maximum<BR>offering price<BR>per share<HR></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Proposed<BR>maximum<BR>aggregate<BR>offering price<BR><HR></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Amount of<BR>registration fee<HR></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Common Stock, par<BR>
value $.01 per share</TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">59,618 shares</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$12.75<SUP>(2)</SUP></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$760,129<SUP>(2)</SUP></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$96.31<SUP>(2)</SUP></TD></TR></TABLE>
</CENTER>
______________________________
<TABLE WIDTH=100%>
<TR VALIGN=TOP>
<TD WIDTH=3%><FONT SIZE="-2"><FONT SIZE="-2"><SUP>(1)</SUP></td>
<td><font size=-2>Pursuant to Rule 416 under the Securities Act of 1933, as amended, this Registration Statement covers, in addition to the  number of shares set forth above, an indeterminate number of shares which, by reason of certain events specified in the Plan, may become subject to the Plan.</td></tr>

<tr valign=top><td><FONT SIZE="-2"><SUP>(2)</SUP></td>
<td><font size=-2>Estimated in accordance with Rule 457(h), solely for the purpose of calculating the registration fee.  The shares being registered
hereby are being registered based upon the average of the high and low prices per share of the Common Stock on the Nasdaq Over-the-Counter Market of $12.75 per share on September 9, 2005.</FONT></P>
</TD></TR></TABLE>

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<P><FONT SIZE="-1"><CENTER><STRONG>PART I</STRONG></CENTER>
</FONT></P>

<P><FONT SIZE="-1"><CENTER><STRONG>INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS</STRONG></CENTER>
</FONT></P>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The document(s) containing the information specified in Part&nbsp;I of Form S-8 will be sent or given to participants
in the Citizens Community Bancorp 2004 Recognition and Retention Plan (the "Plan") as specified by Rule 428(b)(1)
promulgated by the Securities and Exchange Commission (the "Commission") under the Securities Act of 1933, as
amended (the "Securities Act").</FONT></P>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Such document(s) are not being filed with the Commission, but constitute (along with the documents
incorporated by reference into the Registration Statement pursuant to Item 3 of Part II hereof) a prospectus that meets
the requirements of Section 10(a) of the Securities Act.</FONT></P>

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<P><FONT SIZE="-1"><CENTER><STRONG>PART II</STRONG></CENTER>
</FONT></P>

<P><FONT SIZE="-1"><CENTER><STRONG>INFORMATION NOT REQUIRED IN PROSPECTUS</STRONG></CENTER>
</FONT></P>

<P><FONT SIZE="-1">Item 3.	<U>Incorporation of Certain Documents by Reference</U>.</FONT></P>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents previously or concurrently filed by Citizens Community Bancorp (the "Company")
with the Commission are hereby incorporated by reference in this Registration Statement:</FONT></P>

<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1">the Company's Annual Report on Form 10-KSB for the fiscal year ended September 30, 2004
(File No. 000-50585), pursuant to the Securities Exchange Act of 1934, as amended (the
"Exchange Act"), filed on December 29, 2004;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">2.</FONT></TD>
<TD><FONT SIZE="-1">the quarterly report on Form 10-QSB of the Company for the three months ended December
31, 2004, filed on February 14, 2005 and for the three and six months ended March 31, 2005,
filed on May 16, 2005;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">3.</FONT></TD>
<TD><FONT SIZE="-1">the Company's proxy statement for its annual meeting of stockholders held on February 4, 2005
as filed with the SEC on December 23, 2004;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">4.</FONT></TD>
<TD><FONT SIZE="-1">the description of the common stock, par value $.01 per share, or the Registrant contained in
the Registrant's Registration Statement on Form SB-2  (Registration No. 333-111588) filed
with the Commission on December 29, 2003, and all amendments thereto or reports filed for
the purpose of updating such description.</FONT></TD></TR></TABLE>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This incorporation by reference of the Company's proxy statement for its annual meeting of stockholders shall
not be deemed to specifically incorporate by reference the information relating to the audit committee report as permitted
under Item 306 of Regulation S-K).</FONT></P>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents subsequently filed by the Company with the Commission pursuant to Sections 13(a), 13(c), 14,
or 15(d) of the Exchange Act, prior to the filing of a post-effective amendment which indicates that all securities offered
hereby have been sold or which deregisters all securities then remaining unsold, shall be deemed incorporated by
reference into this Registration Statement and to be a part thereof from the date of the filing of such documents.  Any
statement contained in the documents incorporated, or deemed to be incorporated, by reference herein or therein shall
be deemed to be modified or superseded for purposes of this Registration Statement and the Prospectus to the extent
that a statement contained herein or therein or in any other subsequently filed document which also is, or is deemed to
be, incorporated by reference herein or therein modifies or supersedes such statement.  Any such statement so modified
or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration
Statement and the Prospectus.</FONT></P>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company shall furnish without charge to each person to whom the Prospectus is delivered, on the written
or oral request of such person, a copy of any or all of the documents incorporated by reference, other than exhibits to
such documents (unless such exhibits are specifically incorporated by reference to the information that is incorporated).
Requests should be directed to the Secretary, Citizens Community Bancorp, 2174 EastRidge Center, Eau Claire,
Wisconsin, 54701.</FONT></P>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All information appearing in this Registration Statement and the Prospectus is qualified in its entirety by the
detailed information, including financial statements, appearing in the documents incorporated herein or therein by
reference.</FONT></P>

<P><FONT SIZE="-1">Item 4.	<U>Description of Securities</U>.</FONT></P>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not Applicable.</FONT></P>

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<P><FONT SIZE="-1">Item 5.	<U>Interests of Named Experts and Counsel</U>.</FONT></P>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not Applicable.</FONT></P>

<P><FONT SIZE="-1">Item 6.	<U>Indemnification of Directors and Officers</U>.</FONT></P>

<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="3"><FONT SIZE="-1">Federal Regulations define areas for indemnity coverage by the Company as follows: </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1"></TD>
<TD></FONT><FONT SIZE="-1">(a) </FONT></TD>
<TD COLSPAN="2"><FONT SIZE="-1">Any person against whom any action is brought or threatened because that person is or was a
director or officer of the Company shall be indemnified by the Company, as the case may be,
for: </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1"></TD>
<TD></FONT><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1">(i) </FONT></TD>
<TD><FONT SIZE="-1">Any amount for which such person becomes liable under a judgment in such action;
and </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1"></TD>
<TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">(ii) </FONT></TD>
<TD><FONT SIZE="-1">Reasonable costs and expenses, including reasonable attorney's fees, actually paid or
incurred by such person in defending or settling such action, or in enforcing his or her
rights to indemnification if the person attains a favorable judgment in such
enforcement action. </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1"></TD>
<TD></FONT><FONT SIZE="-1">(b) </FONT></TD>
<TD COLSPAN="2"><FONT SIZE="-1">Indemnification provided for in subparagraph (a) shall be made to such officer or director only
if the requirements of this subparagraph are met: </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD>
<TD></FONT><FONT SIZE="-1">(i) </FONT></TD>
<TD><FONT SIZE="-1">The Company shall make the indemnification provided by subparagraph (a) in
connection with any such action which results in a final judgment on the merits in
favor of such officer or director. </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1"></TD>
<TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">(ii) </FONT></TD>
<TD><FONT SIZE="-1">The Company shall make the indemnification provided by subparagraph (a) in case of
(1) settlement of such action, (2) final judgment against such director or officer or (3)
final judgment in favor of such director or officer other than on the merits, if a
majority of the disinterested directors of the Company determines that such a director
or officer was acting in good faith within the scope of his or her employment or
authority as he or she could reasonably have perceived it under the circumstances and
for a purpose which he or she could reasonably have believed under the circumstances
was in the best interest of the Company or its members. </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1">(c) </FONT></TD>
<TD COLSPAN="2"><FONT SIZE="-1">As used in this Item 14: </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1"></TD>
<TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">(i) </FONT></TD>
<TD><FONT SIZE="-1">"action" means any judicial or administrative proceeding, or threatened proceeding,
whether civil, criminal, or otherwise, including any appeal or other proceeding for
review; </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD>
<TD></FONT><FONT SIZE="-1">(ii) </FONT></TD>
<TD><FONT SIZE="-1">"final judgment" means a judgment, decree, or order which is not appealable or as to
which the period for appeal has expired with no appeal taken; </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1"></TD>
<TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">(iii) </FONT></TD>
<TD><FONT SIZE="-1">"settlement" includes the entry of a judgment by consent or by confession or a plea of
guilty or nolo contendere.  </FONT></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="4"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="3"><FONT SIZE="-1">The Company has a directors and officers liability policy providing for insurance against certain
liabilities incurred by directors and officers of the Company while serving in their capacities as such. </FONT></TD></TR></TABLE>

<P><FONT SIZE="-1">Item 7.	<U>Exemption from Registration Claimed</U>.</FONT></P>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.</FONT></P>

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<P><FONT SIZE="-1">Item 8.	<U>Exhibits</U>.</FONT></P>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;See Exhibit Index.</FONT></P>

<P><FONT SIZE="-1">Item 9.	<U>Undertakings</U>.</FONT></P>

<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD></TD>
<TD><FONT SIZE="-1"></FONT><FONT SIZE="-1">(a)</FONT></TD>
<TD COLSPAN="3"><FONT SIZE="-1">The undersigned Registrant hereby undertakes:</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">(1)</FONT></TD>
<TD COLSPAN="2"><FONT SIZE="-1">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 VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD>
<TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">(i)</FONT></TD>
<TD><FONT SIZE="-1">To include any prospectus required by section 10 (a)(3) of the Securities Act;</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD>
<TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">(ii)</FONT></TD>
<TD><FONT SIZE="-1">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 a
prospectus filed with the Commission pursuant to Rule 424(b) if, in the
aggregate, the changes in volume and price represent no more than 20%
change in the maximum aggregate offering price set forth in the "Calculation
of Registration Fee" table in the effective registration statement; and</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD>
<TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">(iii)</FONT></TD>
<TD><FONT SIZE="-1">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>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">(2)</FONT></TD>
<TD COLSPAN="2"><FONT SIZE="-1">That, for the purpose of determining any liability under the Securities Act, 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 <U>bona</U> <U>fide</U> offering thereof.</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">(3)</FONT></TD>
<TD COLSPAN="2"><FONT SIZE="-1">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>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">(b)</FONT></TD>
<TD COLSPAN="3"><FONT SIZE="-1">The undersigned Registrant hereby undertakes that, for purposes of determining any liability
under the Securities Act, each filing of the Registrant's annual report pursuant to Section 13(a)
or Section 15(d) of the Exchange Act 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 <U>bona</U>
<U>fide</U> offering thereof.</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD><FONT SIZE="-1"></TD></TR></table>

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<table width=100%>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="3"><FONT SIZE="-1"></TD>
<TD></FONT><FONT SIZE="-1"></FONT><FONT SIZE="-1">(c)</FONT></TD>
<TD COLSPAN="3"><FONT SIZE="-1">Insofar as indemnification for liabilities arising under the Securities Act 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 Commission
such indemnification is against public policy as expressed in the Act 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 Act and will be governed
by the final adjudication of such issue.</FONT></TD></TR></TABLE>

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<P><FONT SIZE="-1"><CENTER><STRONG>SIGNATURES</STRONG></CENTER>
</FONT></P>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&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 a Form S-8 and has duly caused this registration
statement to be signed on its behalf by the undersigned in the City of Eau Claire, State of Wisconsin, on September 12, 2005.</FONT></P>

<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD WIDTH=55%><BR></TD>
<TD></TD>
<TD><STRONG><font size="-1">CITIZENS COMMUNITY BANCORP</STRONG></TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD><font size="-1">By:</TD>
<TD><font size="-1"> /s/ James G. Cooley<HR>James G. Cooley, President and Chief Executive Officer

<BR><EM>(Duly Authorized Representative) </EM></TD></TR></TABLE>

<BR><P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and
appoints James G. Cooley his true and lawful attorneys-in-fact and agents, with full power of substitution and re-substitution, for him and in his name, place and stead, in any and all capacities, to sign any and all amendments
(including post-effective amendments) to this Registration Statement, and to file the same, with all exhibits thereto, and
all other documents in connection therewith, with the Securities and Exchange Commission, granting unto said
attorneys-in-fact and agents full power and authority to do and perform each and every act and thing requisite and
necessary to be done, as fully to all intents and purposes as he might or could do in person, hereby ratifying and
confirming all said attorneys-in-fact and agents or their substitutes or substitute may lawfully do or cause to be done
by virtue hereof.</FONT></P>

<P><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed below
by the following persons in the capacities and on the dates indicated.</FONT></P>

<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD><font size="-1"> /s/ James G. Cooley<HR>James G. Cooley

<BR>President, Chief Executive Officer and Director </TD>
<TD><font size="-1">Date: September 12, 2005</TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;<br></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD><font size="-1"> /s/ Richard McHugh<HR>
Richard McHugh

<BR>Chairman of the Board</TD>
<TD><font size="-1">Date: September 12, 2005</TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;<br></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD><font size="-1"> /s/ Thomas C. Kempen
<HR>

Thomas C. Kempen

<BR><font size="-1">Director</TD>
<TD><font size="-1">Date: September 12, 2005</TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;<br></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD><font size="-1"> /s/ Brian R. Schilling
<HR>

Brian R. Schilling

<BR><font size="-1">Director </TD>
<TD><font size="-1">Date: September 12, 2005</TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;<br></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD><font size="-1"> /s/ David B. Westrate
<HR>

David B. Westrate

<BR><font size="-1">Director</TD>
<TD><font size="-1">Date: September 12, 2005</TD></TR>
<TR VALIGN="TOP"><TD><br>&nbsp;</TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD><font size="-1"> /s/ Donna E. Talmage
<HR>

Donna E. Talmage

<BR><font size="-1">Director</TD>
<TD><font size="-1">Date: September 12, 2005</TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;<br></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD><font size="-1"> /s/ John D. Zettler
<HR>

John D. Zettler

<BR>Chief Financial Officer

<BR><EM>(Principal Financial and Accounting Officer)</EM></TD>
<TD><font size="-1">Date: September 12, 2005</TD></TR></TABLE>

<br><br><br><br><br>
<center><font size="-1">II-5</font></center>
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<br><br>
<A NAME="II-6"></A>
<br>
<BR>
<BR>
<BR><CENTER><STRONG>EXHIBIT INDEX</STRONG></CENTER>


<BR>
<BR>
<BR>

<TABLE WIDTH="80%">
<TR VALIGN="TOP"><TD WIDTH=20% ALIGN=CENTER><font size="-1">Exhibit Number<HR></TD>
<TD><font size="-1">Document<HR></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD ALIGN=CENTER><font size="-1">    5</TD>
<TD><font size="-1">Opinion of Silver, Freedman &amp; Taff, L.L.P.</TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD ALIGN=CENTER><font size="-1">  23</TD>
<TD><font size="-1">Consent of Wipfli, LLP</TD></TR></TABLE>

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<br><br><br><br><br>
<center><font size="-1"></font></center>
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[{"type": "S-8", "sequence": "1", "filename": "s8rrp2004.htm", "secsgml_size_bytes": 28787}]
{"company-data": {"conformed-name": "CITIZENS COMMUNITY BANCORP", "cik": "0001273805", "assigned-sic": "6021", "irs-number": "200663325"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-128252", "film-number": "051080072"}, "business-address": {"street1": "2174 EASTRIDGE CENTER", "city": "EAU CLAIRE", "state": "WI", "zip": "57011", "phone": "7158369994"}, "mail-address": {"street1": "2174 EASTRIDGE CENTER", "city": "EAU CLAIRE", "state": "WI", "zip": "54701"}}
As filed with the Securities and Exchange Commission on September 12, 2005
Registration No. 333-
[              ]
SECURITIES AND EXCHANGE COMMISSION
Washington, DC  20549
________________________________
REGISTRATION STATEMENT
ON FORM S-8
UNDER THE SECURITIES ACT OF 1933
________________________________
CITIZENS COMMUNITY BANCORP
(Exact name of registrant as specified in its charter)
United States
(State or other jurisdiction of incorporation
or organization)
20-0663325
(I.R.S. Employer Identification No.)
2174 EastRidge Center, Eau Claire, Wisconsin
(Address of principal executive offices)
54701
(Zip Code)
CITIZENS COMMUNITY BANCORP
2004 RECOGNITION AND RETENTION PLAN
(Full title of the plan)
Martin L. Meyrowitz, P.C.
Beth A. Freedman, Esq.
Silver, Freedman & Taff, L.L.P.
(a limited liability partnership including professional corporations)
1700 Wisconsin Avenue, N.W.
Washington, D.C.  20007
(Name and address of agent for service)
(202) 295-4500
(Telephone number, including area code, of agent for service)
CALCULATION OF REGISTRATION FEE
Title of securities
to be registered
Amount to be
registered
(1)
Proposed
maximum
offering price
per share
Proposed
maximum
aggregate
offering price
Amount of
registration fee
Common Stock, par
value $.01 per share
59,618 shares
$12.75
(2)
$760,129
(2)
$96.31
(2)
______________________________
(1)
Pursuant to Rule 416 under the Securities Act of 1933, as amended, this Registration Statement covers, in addition to the  number of shares set forth above, an indeterminate number of shares which, by reason of certain events specified in the Plan, may become subject to the Plan.
(2)
Estimated in accordance with Rule 457(h), solely for the purpose of calculating the registration fee.  The shares being registered
hereby are being registered based upon the average of the high and low prices per share of the Common Stock on the Nasdaq Over-the-Counter Market of $12.75 per share on September 9, 2005.
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PART I
INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS
The document(s) containing the information specified in Part I of Form S-8 will be sent or given to participants
in the Citizens Community Bancorp 2004 Recognition and Retention Plan (the "Plan") as specified by Rule 428(b)(1)
promulgated by the Securities and Exchange Commission (the "Commission") under the Securities Act of 1933, as
amended (the "Securities Act").
Such document(s) are not being filed with the Commission, but constitute (along with the documents
incorporated by reference into the Registration Statement pursuant to Item 3 of Part II hereof) a prospectus that meets
the requirements of Section 10(a) of the Securities Act.
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PART II
INFORMATION NOT REQUIRED IN PROSPECTUS
Item 3.
Incorporation of Certain Documents by Reference
.
The following documents previously or concurrently filed by Citizens Community Bancorp (the "Company")
with the Commission are hereby incorporated by reference in this Registration Statement:
1.
the Company's Annual Report on Form 10-KSB for the fiscal year ended September 30, 2004
(File No. 000-50585), pursuant to the Securities Exchange Act of 1934, as amended (the
"Exchange Act"), filed on December 29, 2004;
2.
the quarterly report on Form 10-QSB of the Company for the three months ended December
31, 2004, filed on February 14, 2005 and for the three and six months ended March 31, 2005,
filed on May 16, 2005;
3.
the Company's proxy statement for its annual meeting of stockholders held on February 4, 2005
as filed with the SEC on December 23, 2004;
4.
the description of the common stock, par value $.01 per share, or the Registrant contained in
the Registrant's Registration Statement on Form SB-2  (Registration No. 333-111588) filed
with the Commission on December 29, 2003, and all amendments thereto or reports filed for
the purpose of updating such description.
This incorporation by reference of the Company's proxy statement for its annual meeting of stockholders shall
not be deemed to specifically incorporate by reference the information relating to the audit committee report as permitted
under Item 306 of Regulation S-K).
All documents subsequently filed by the Company with the Commission pursuant to Sections 13(a), 13(c), 14,
or 15(d) of the Exchange Act, prior to the filing of a post-effective amendment which indicates that all securities offered
hereby have been sold or which deregisters all securities then remaining unsold, shall be deemed incorporated by
reference into this Registration Statement and to be a part thereof from the date of the filing of such documents.  Any
statement contained in the documents incorporated, or deemed to be incorporated, by reference herein or therein shall
be deemed to be modified or superseded for purposes of this Registration Statement and the Prospectus to the extent
that a statement contained herein or therein or in any other subsequently filed document which also is, or is deemed to
be, incorporated by reference herein or therein modifies or supersedes such statement.  Any such statement so modified
or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration
Statement and the Prospectus.
The Company shall furnish without charge to each person to whom the Prospectus is delivered, on the written
or oral request of such person, a copy of any or all of the documents incorporated by reference, other than exhibits to
such documents (unless such exhibits are specifically incorporated by reference to the information that is incorporated).
Requests should be directed to the Secretary, Citizens Community Bancorp, 2174 EastRidge Center, Eau Claire,
Wisconsin, 54701.
All information appearing in this Registration Statement and the Prospectus is qualified in its entirety by the
detailed information, including financial statements, appearing in the documents incorporated herein or therein by
reference.
Item 4.
Description of Securities
.
Not Applicable.
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Item 5.
Interests of Named Experts and Counsel
.
Not Applicable.
Item 6.
Indemnification of Directors and Officers
.
Federal Regulations define areas for indemnity coverage by the Company as follows:
(a)
Any person against whom any action is brought or threatened because that person is or was a
director or officer of the Company shall be indemnified by the Company, as the case may be,
for:
(i)
Any amount for which such person becomes liable under a judgment in such action;
and
(ii)
Reasonable costs and expenses, including reasonable attorney's fees, actually paid or
incurred by such person in defending or settling such action, or in enforcing his or her
rights to indemnification if the person attains a favorable judgment in such
enforcement action.
(b)
Indemnification provided for in subparagraph (a) shall be made to such officer or director only
if the requirements of this subparagraph are met:
(i)
The Company shall make the indemnification provided by subparagraph (a) in
connection with any such action which results in a final judgment on the merits in
favor of such officer or director.
(ii)
The Company shall make the indemnification provided by subparagraph (a) in case of
(1) settlement of such action, (2) final judgment against such director or officer or (3)
final judgment in favor of such director or officer other than on the merits, if a
majority of the disinterested directors of the Company determines that such a director
or officer was acting in good faith within the scope of his or her employment or
authority as he or she could reasonably have perceived it under the circumstances and
for a purpose which he or she could reasonably have believed under the circumstances
was in the best interest of the Company or its members.
(c)
As used in this Item 14:
(i)
"action" means any judicial or administrative proceeding, or threatened proceeding,
whether civil, criminal, or otherwise, including any appeal or other proceeding for
review;
(ii)
"final judgment" means a judgment, decree, or order which is not appealable or as to
which the period for appeal has expired with no appeal taken;
(iii)
"settlement" includes the entry of a judgment by consent or by confession or a plea of
guilty or nolo contendere.
The Company has a directors and officers liability policy providing for insurance against certain
liabilities incurred by directors and officers of the Company while serving in their capacities as such.
Item 7.
Exemption from Registration Claimed
.
Not applicable.
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Item 8.
Exhibits
.
See Exhibit Index.
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;
(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 a
prospectus filed with the Commission pursuant to Rule 424(b) if, in the
aggregate, the changes in volume and price represent no more than 20%
change in the maximum aggregate offering price set forth in the "Calculation
of Registration Fee" table in the effective registration statement; and
(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.
(2)
That, for the purpose of determining any liability under the Securities Act, 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.
(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 purposes of determining any liability
under the Securities Act, each filing of the Registrant's annual report pursuant to Section 13(a)
or Section 15(d) of the Exchange Act 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.
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(c)
Insofar as indemnification for liabilities arising under the Securities Act 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 Commission
such indemnification is against public policy as expressed in the Act 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 Act and will be governed
by the final adjudication of such issue.
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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 a Form S-8 and has duly caused this registration
statement to be signed on its behalf by the undersigned in the City of Eau Claire, State of Wisconsin, on September 12, 2005.
CITIZENS COMMUNITY BANCORP
By:
/s/ James G. Cooley
James G. Cooley, President and Chief Executive Officer
(Duly Authorized Representative)
KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes and
appoints James G. Cooley his true and lawful attorneys-in-fact and agents, with full power of substitution and re-substitution, for him and in his name, place and stead, in any and all capacities, to sign any and all amendments
(including post-effective amendments) to this Registration Statement, and to file the same, with all exhibits thereto, and
all other documents in connection therewith, with the Securities and Exchange Commission, granting unto said
attorneys-in-fact and agents full power and authority to do and perform each and every act and thing requisite and
necessary to be done, as fully to all intents and purposes as he might or could do in person, hereby ratifying and
confirming all said attorneys-in-fact and agents or their substitutes or substitute may lawfully do or cause to be done
by virtue hereof.
Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed below
by the following persons in the capacities and on the dates indicated.
/s/ James G. Cooley
James G. Cooley
President, Chief Executive Officer and Director
Date: September 12, 2005
/s/ Richard McHugh
Richard McHugh
Chairman of the Board
Date: September 12, 2005
/s/ Thomas C. Kempen
Thomas C. Kempen
Director
Date: September 12, 2005
/s/ Brian R. Schilling
Brian R. Schilling
Director
Date: September 12, 2005
/s/ David B. Westrate
David B. Westrate
Director
Date: September 12, 2005
/s/ Donna E. Talmage
Donna E. Talmage
Director
Date: September 12, 2005
/s/ John D. Zettler
John D. Zettler
Chief Financial Officer
(Principal Financial and Accounting Officer)
Date: September 12, 2005
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EXHIBIT INDEX
Exhibit Number
Document
5
Opinion of Silver, Freedman & Taff, L.L.P.
23
Consent of Wipfli, LLP
End.