<PAGE> 1

As filed with the Securities and Exchange Commission on November 30, 2001
                                                    Registration No. 333-______

                       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 certificate of incorporation)

          DELAWARE                                       38-3573582
(state or other jurisdiction of               (IRS Employer Identification No.)
incorporation or organization)

                                525 WATER STREET
                           PORT HURON, MICHIGAN 48060
                                 (810) 987-8300
               (Address, including zip code, and telephone number,
        including area code, of registrant's principal executive offices)

                           CITIZENS FIRST SAVINGS BANK
                                   401(K) PLAN
                            (Full Title of the Plan)
                        --------------------------------
COPIES TO:
MARSHALL J. CAMPELL                       LAWRENCE M.F. SPACCASI, ESQUIRE
CHAIRMAN OF THE BOARD, PRESIDENT          THOMAS P. HUTTON, ESQUIRE
AND CHIEF EXECUTIVE OFFICER               MULDOON MURPHY & FAUCETTE LLP
CITIZENS FIRST BANCORP, INC.              5101 WISCONSIN AVENUE, N.W.
525 WATER STREET                          WASHINGTON, DC 20016
PORT HURON, MICHIGAN                      (202) 362-0840
(810) 987-8300
(Name, address, including zip code, and telephone
number, including area code, of agent for service)

 If any of the securities being registered on this Form are to be offered on a
  delayed or continuous basis pursuant to Rule 415 under the Securities
                   Act of 1933, check the following box. / X /
                                                         ----
<TABLE>
<CAPTION>
===================================================================================================
  Title of each Class of      Amount to be    Proposed Purchase  Estimated Aggregate  Registration
Securities to be Registered   Registered(1)   Price Per Share     Offering Price(2)        Fee
---------------------------------------------------------------------------------------------------
   <S>                          <C>             <C>                   <C>                <C>
    Common Stock                128,085
   $.01 par Value               Shares          $15.80(3)             $2,023,749         $506
---------------------------------------------------------------------------------------------------
    Participation
      Interests                  (4)                                                      (5)
===================================================================================================
</TABLE>
(1)  Together with an indeterminate number of additional shares which may be
     necessary to adjust the number of shares reserved for issuance pursuant to
     the Citizens First Savings Bank 401(k) Plan (the "Plan") as the result of a
     stock split, stock dividend or similar adjustment of the outstanding Common
     Stock of Citizens First Bancorp, Inc. pursuant to 17 C.F.R. Section
     230.416(a).
(2)  Estimated solely for the purpose of calculating the registration fee.
(3)  The average of the high and low prices per share as reported on the Nasdaq
     National Market (the "Common Stock") on November 23, 2001, in accordance
     with 17 C.F.R. Section 230.457(c).
(4)  In addition, pursuant to 17 C.F.R. Section 230.416(c), this registration
     statement also covers an indeterminate amount of interests to be offered or
     sold pursuant to the employee benefit plan described herein based upon the
     maximum amount that could be issued under the plan pursuant to 17 C.F.R.
     Section 230.457(h).
(5)  In accordance with 17 C.F.R. Section 230.457(h), the registration fee has
     been calculated on the basis of the number of shares of Common Stock that
     may be purchased with the current assets of such Plan. Accordingly, no
     separate fee is required for the participation interests.

THIS REGISTRATION STATEMENT SHALL BECOME EFFECTIVE IMMEDIATELY UPON FILING IN
ACCORDANCE WITH SECTION 8(A) OF THE SECURITIES ACT OF 1933, AS AMENDED, (THE
"SECURITIES ACT") AND 17 C.F.R. SECTION 230.462.
Number of Pages
Exhibit Index begins on Page 11


<PAGE> 2



CITIZENS FIRST BANCORP, INC.

PART I     INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS

ITEMS 1 & 2. The documents  containing  the  information  for the Citizens First
Savings  Bank 401(k) Plan (the  "Plan")  required by Part I of the  Registration
Statement will be sent or given to the  participants in the Plan as specified by
Rule  428(b)(1).  Such  documents are not filed with the Securities and Exchange
Commission (the "SEC") either as a part of this  Registration  Statement or as a
prospectus  or  prospectus  supplement  pursuant to Rule 424 in reliance on Rule
428.

PART II   INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3.  INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE

The following  documents  filed or to be filed with the SEC are  incorporated by
reference in this Registration Statement:

      (a) The Annual Report on Form 10-K (File No.  0-32041)  filed with the SEC
by Citizens  First Bancorp,  Inc. (the  "Corporation")  on June 29, 2001,  which
includes the  consolidated  balance sheets of Citizens  First  Bancorp,  Inc. as
March 31,  2001 and 2000 and the  related  consolidated  statements  of  income,
changes in retained  earnings and cash flows for the three years ended March 31,
2001, 2000 and 1999.

      (b) The  Quarterly  Report on Form 10-Q (File No.  0-32041) for the fiscal
quarter ended June 30, 2001, filed by the Corporation with the SEC on August 14,
2001.

      (c) The  description of the  Corporation's  Common Stock  contained in the
Corporation's  Form S-1 Registration  Statement (File No.  333-49234),  as filed
with the SEC pursuant to Section  12(b) of the  Securities  Exchange Act of 1934
(the "Exchange Act"), and rule 12b-15  promulgated  thereunder,  on December 19,
2000.

      (d) The Plan's  annual  report on Form 11-K filed with the SEC on November
30, 2001.

      (e) All documents filed by the Corporation and the Plan, where applicable,
pursuant to Sections  13(a) and (c), 14 or 15(d) of the  Exchange  Act after the
date  hereof  and  prior  to the  filing  of a  post-effective  amendment  which
deregisters all securities then remaining unsold.

      ANY STATEMENT CONTAINED IN THIS REGISTRATION  STATEMENT,  OR IN A DOCUMENT
INCORPORATED OR DEEMED TO BE INCORPORATED BY REFERENCE  HEREIN,  SHALL BE DEEMED
TO BE MODIFIED OR SUPERSEDED FOR PURPOSES OF THIS REGISTRATION  STATEMENT TO THE
EXTENT THAT A STATEMENT  CONTAINED HEREIN, OR IN ANY SUBSEQUENTLY FILED DOCUMENT
WHICH ALSO IS INCORPORATED  OR DEEMED TO BE  INCORPORATED  BY REFERENCE  HEREIN,
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.



                                        2

<PAGE> 3



ITEM 4.  DESCRIPTION OF SECURITIES

The Common Stock to be offered pursuant to the Plan has been registered pursuant
to Section 12(g) of the Exchange Act.  Accordingly,  a description of the Common
Stock is not required herein.

ITEM 5.  INTERESTS OF NAMED EXPERTS AND COUNSEL

None.

ITEM 6.  INDEMNIFICATION OF DIRECTORS AND OFFICERS AND PLAN ADMINISTRATOR.

Articles X and XI of the Corporation's  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  a  "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

                                        3

<PAGE> 4



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.

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
terms 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, grant 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


                                        4

<PAGE> 5



to the  indemnification and advancement of expenses of Directors and Officers of
the Corporation.

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 the  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.

Insofar as indemnification  for liabilities  arising under the Securities Act of
1933 may be  permitted  to trustees,  officers  and  controlling  persons of the
Corporation pursuant to the foregoing provisions,  or otherwise, the Corporation
has been advised that in the opinion of the SEC 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 Corporation of expenses incurred or paid by a trustee, officer or
controlling  person of the Corporation in the successful  defense of any action,
suit or proceeding) is asserted by such trustee,  officer or controlling  person
in connection with the securities being registered, the Corporation 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.

ITEM 7.   EXEMPTION FROM REGISTRATION CLAIMED.

      Not applicable.


                                        5

<PAGE> 6




ITEM 8.   LIST OF EXHIBITS.

      The following  exhibits are filed with or  incorporated  by reference into
this  Registration  Statement on Form S-8  (numbering  corresponds  generally to
Exhibit Table in Item 601 of Regulation S-K):

      8        Tax Opinion not required. The Corporation has submitted or hereby
               undertakes to submit the 401(k) Plan and any amendments thereto
               to the Internal Revenue Service ("IRS") in a timely manner and
               has made or will make all changes required by the IRS in order to
               qualify the Plan.
      10       Citizens First Savings Bank 401(k) Plan
      23       Consent of Plante & Moran, LLP

ITEM 9.   UNDERTAKINGS

      The undersigned Corporation hereby undertakes:

      (1)   To file, during any period in which it offers or sells securities, a
            post-effective amendment to this Registration Statement to:

            (i)   Include  any  Prospectus required  by  Section 10(a)(3) of the
                  Securities Act;

            (ii)  Reflect  in  the  Prospectus   any   facts  or  events  which,
                  individually  or together,  represent a fundamental  change in
                  the information 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  SEC  pursuant  to  Rule  424(b)  if,  in the
                  aggregate,  the changes in volume and price  represent no more
                  than a 20 percent  change in the  maximum  aggregate  offering
                  price set forth in the "Calculation of Registration Fee" table
                  in the effective registration statement; and

            (iii) Include any additional or changed material information on  the
                  plan  of   distribution   not  previously   disclosed  in  the
                  Registration   Statement  or  any  material   change  to  such
                  information   in  the   Registration   Statement   unless  the
                  information  required by (i) and (ii) is contained in periodic
                  reports  filed by the  Corporation  pursuant  to Section 13 or
                  15(d) of the Exchange Act that are  incorporated  by reference
                  into this Registration Statement;

      (2)   For  determining  liability  under the Securities Act, to treat each
            post-effective  amendment  as a new  Registration  Statement  of the
            securities offered,  and the offering of the securities at that time
            to be the initial bona fide offering thereof.


                                        6

<PAGE> 7



      (3)   To file  a post-effective amendment to remove from registration  any
            of the securities that remain unsold at the end of the Offering.

      (4)   That, for purposes of determining any liability under the Securities
            Act,  each filing of the  Corporation's  or the Plan's annual report
            pursuant  to  Section  13(a) or 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.




                                        7

<PAGE> 8




                                   SIGNATURES

      Pursuant  to  the   requirements  of  the  Securities  Act  of  1933,  the
Corporation has duly caused this registration statement on Form S-8 to be signed
on its behalf by the undersigned, thereunto duly authorized, in the City of Port
Huron, State of Michigan, on November 29, 2001.


                                      CITIZENS FIRST BANCORP, INC.


                                      By:  /s/ Marshall J. Campbell
                                           -------------------------------------
                                           Marshall J. Campbell
                                           Chairman of the Board, President
                                           and Chief Executive Officer


      KNOW ALL MEN BY THESE PRESENT, that each person whose signature appears
below (other than Mr. Campbell) constitutes and appoints Marshall J. Campbell as
the true and lawful attorney-in-fact and agent with full power of substitution
and resubstitution, for him and in his name, place and stead, in any and all
capacities, to sign any or all amendments to this Form S-8 Registration
Statement, and to file the same, with all exhibits thereto, and other documents
in connection therewith, with the U.S. Securities and Exchange Commission,
respectively, granting unto said attorney-in-fact and agent full power and
authority to do and perform each and every act and things 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 that said attorney-in-fact and
agent or his substitute or substitutes, may lawfully do or cause to be done by
virtue hereof.





/s/ Marshall J. Campbell      Chairman of the Board,          November 29, 2001
---------------------------   President and Chief Executive
Marshall J. Campbell          Officer
                              (principal executive officer)



/s/ Timothy D. Regan          Secretary, Treasurer and        November 29, 2001
--------------------------    Director
Timothy D. Regan              (principal accounting and
                              financial officer)


/s/ Larry J. Moeller, Sr.     Director                        November 29, 2001
--------------------------
Larry J. Moeller, Sr.




                                        8

<PAGE> 9




/s/ Ronald W. Cooley           Director                       November 29, 2001
-------------------------
Ronald W. Cooley




/s/ Christopher A. Kellerman   Director                       November 29, 2001
----------------------------
Christopher A. Kellerman








                                        9

<PAGE> 10



THE PLAN.

      Pursuant to the requirements of the Securities Act of 1933, the
Corporation (or other persons who administer the Citizens First Savings Bank
401(k) Plan) have duly caused this Registration Statement to be signed on its
behalf by the undersigned, thereunto duly authorized, in Port Huron, Michigan on
November 29, 2001.


                              CITIZENS FIRST SAVINGS BANK 401(K) PLAN




                              By:  /s/ Timothy D. Regan
                                   ------------------------------------------
                                   Timothy D. Regan







                                       10

<PAGE> 11
<TABLE>
<CAPTION>



                                  EXHIBIT INDEX
                                  -------------


                                                                                   Sequentially
                                                                                    Numbered
                                                                                      Page
 Exhibit No.     Description            Method of Filing                            Location
------------     ------------------     -------------------------------------      ----------

     <S>         <C>                    <C>                                           <C>
     8           Tax Opinion            Not required.

     10          Citizens First         Filed herewith.                                13
                 Savings Bank
                 401(k) Plan

     23          Consent of Plante &    Filed herewith.                               104
                 Moran, LLP

</TABLE>






                                       11
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{"company-data": {"conformed-name": "CITIZENS FIRST BANCORP INC", "cik": "0001127442", "assigned-sic": "6036", "irs-number": "383573582", "state-of-incorporation": "DE", "fiscal-year-end": "0331"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-74218", "film-number": "1803576"}, "business-address": {"street1": "525 WATER ST", "city": "PORT HURON", "state": "MI", "zip": "48060", "phone": "8109878300"}, "mail-address": {"street1": "525 WATER ST", "city": "PORT HURON", "state": "MI", "zip": "48060"}}
1

As filed with the Securities and Exchange Commission on November 30, 2001
                                                    Registration No. 333-______

                       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 certificate of incorporation)

          DELAWARE                                       38-3573582
(state or other jurisdiction of               (IRS Employer Identification No.)
incorporation or organization)

                                525 WATER STREET
                           PORT HURON, MICHIGAN 48060
                                 (810) 987-8300
               (Address, including zip code, and telephone number,
        including area code, of registrant's principal executive offices)

                           CITIZENS FIRST SAVINGS BANK
                                   401(K) PLAN
                            (Full Title of the Plan)
                        --------------------------------
COPIES TO:
MARSHALL J. CAMPELL                       LAWRENCE M.F. SPACCASI, ESQUIRE
CHAIRMAN OF THE BOARD, PRESIDENT          THOMAS P. HUTTON, ESQUIRE
AND CHIEF EXECUTIVE OFFICER               MULDOON MURPHY & FAUCETTE LLP
CITIZENS FIRST BANCORP, INC.              5101 WISCONSIN AVENUE, N.W.
525 WATER STREET                          WASHINGTON, DC 20016
PORT HURON, MICHIGAN                      (202) 362-0840
(810) 987-8300
(Name, address, including zip code, and telephone
number, including area code, of agent for service)

 If any of the securities being registered on this Form are to be offered on a
  delayed or continuous basis pursuant to Rule 415 under the Securities
                   Act of 1933, check the following box. / X /
                                                         ----
===================================================================================================
  Title of each Class of      Amount to be    Proposed Purchase  Estimated Aggregate  Registration
Securities to be Registered   Registered(1)   Price Per Share     Offering Price(2)        Fee
---------------------------------------------------------------------------------------------------
Common Stock                128,085
   $.01 par Value               Shares          $15.80(3)             $2,023,749         $506
---------------------------------------------------------------------------------------------------
    Participation
      Interests                  (4)                                                      (5)
===================================================================================================
(1)  Together with an indeterminate number of additional shares which may be
     necessary to adjust the number of shares reserved for issuance pursuant to
     the Citizens First Savings Bank 401(k) Plan (the "Plan") as the result of a
     stock split, stock dividend or similar adjustment of the outstanding Common
     Stock of Citizens First Bancorp, Inc. pursuant to 17 C.F.R. Section
     230.416(a).
(2)  Estimated solely for the purpose of calculating the registration fee.
(3)  The average of the high and low prices per share as reported on the Nasdaq
     National Market (the "Common Stock") on November 23, 2001, in accordance
     with 17 C.F.R. Section 230.457(c).
(4)  In addition, pursuant to 17 C.F.R. Section 230.416(c), this registration
     statement also covers an indeterminate amount of interests to be offered or
     sold pursuant to the employee benefit plan described herein based upon the
     maximum amount that could be issued under the plan pursuant to 17 C.F.R.
     Section 230.457(h).
(5)  In accordance with 17 C.F.R. Section 230.457(h), the registration fee has
     been calculated on the basis of the number of shares of Common Stock that
     may be purchased with the current assets of such Plan. Accordingly, no
     separate fee is required for the participation interests.

THIS REGISTRATION STATEMENT SHALL BECOME EFFECTIVE IMMEDIATELY UPON FILING IN
ACCORDANCE WITH SECTION 8(A) OF THE SECURITIES ACT OF 1933, AS AMENDED, (THE
"SECURITIES ACT") AND 17 C.F.R. SECTION 230.462.
Number of Pages
Exhibit Index begins on Page 11
2

CITIZENS FIRST BANCORP, INC.

PART I     INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS

ITEMS 1 & 2. The documents  containing  the  information  for the Citizens First
Savings  Bank 401(k) Plan (the  "Plan")  required by Part I of the  Registration
Statement will be sent or given to the  participants in the Plan as specified by
Rule  428(b)(1).  Such  documents are not filed with the Securities and Exchange
Commission (the "SEC") either as a part of this  Registration  Statement or as a
prospectus  or  prospectus  supplement  pursuant to Rule 424 in reliance on Rule
428.

PART II   INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3.  INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE

The following  documents  filed or to be filed with the SEC are  incorporated by
reference in this Registration Statement:

      (a) The Annual Report on Form 10-K (File No.  0-32041)  filed with the SEC
by Citizens  First Bancorp,  Inc. (the  "Corporation")  on June 29, 2001,  which
includes the  consolidated  balance sheets of Citizens  First  Bancorp,  Inc. as
March 31,  2001 and 2000 and the  related  consolidated  statements  of  income,
changes in retained  earnings and cash flows for the three years ended March 31,
2001, 2000 and 1999.

      (b) The  Quarterly  Report on Form 10-Q (File No.  0-32041) for the fiscal
quarter ended June 30, 2001, filed by the Corporation with the SEC on August 14,
2001.

      (c) The  description of the  Corporation's  Common Stock  contained in the
Corporation's  Form S-1 Registration  Statement (File No.  333-49234),  as filed
with the SEC pursuant to Section  12(b) of the  Securities  Exchange Act of 1934
(the "Exchange Act"), and rule 12b-15  promulgated  thereunder,  on December 19,
2000.

      (d) The Plan's  annual  report on Form 11-K filed with the SEC on November
30, 2001.

      (e) All documents filed by the Corporation and the Plan, where applicable,
pursuant to Sections  13(a) and (c), 14 or 15(d) of the  Exchange  Act after the
date  hereof  and  prior  to the  filing  of a  post-effective  amendment  which
deregisters all securities then remaining unsold.

      ANY STATEMENT CONTAINED IN THIS REGISTRATION  STATEMENT,  OR IN A DOCUMENT
INCORPORATED OR DEEMED TO BE INCORPORATED BY REFERENCE  HEREIN,  SHALL BE DEEMED
TO BE MODIFIED OR SUPERSEDED FOR PURPOSES OF THIS REGISTRATION  STATEMENT TO THE
EXTENT THAT A STATEMENT  CONTAINED HEREIN, OR IN ANY SUBSEQUENTLY FILED DOCUMENT
WHICH ALSO IS INCORPORATED  OR DEEMED TO BE  INCORPORATED  BY REFERENCE  HEREIN,
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.

                                        2
3

ITEM 4.  DESCRIPTION OF SECURITIES

The Common Stock to be offered pursuant to the Plan has been registered pursuant
to Section 12(g) of the Exchange Act.  Accordingly,  a description of the Common
Stock is not required herein.

ITEM 5.  INTERESTS OF NAMED EXPERTS AND COUNSEL

None.

ITEM 6.  INDEMNIFICATION OF DIRECTORS AND OFFICERS AND PLAN ADMINISTRATOR.

Articles X and XI of the Corporation's  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  a  "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

                                        3
4

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.

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
terms 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, grant 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

                                        4
5

to the  indemnification and advancement of expenses of Directors and Officers of
the Corporation.

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 the  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.

Insofar as indemnification  for liabilities  arising under the Securities Act of
1933 may be  permitted  to trustees,  officers  and  controlling  persons of the
Corporation pursuant to the foregoing provisions,  or otherwise, the Corporation
has been advised that in the opinion of the SEC 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 Corporation of expenses incurred or paid by a trustee, officer or
controlling  person of the Corporation in the successful  defense of any action,
suit or proceeding) is asserted by such trustee,  officer or controlling  person
in connection with the securities being registered, the Corporation 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.

ITEM 7.   EXEMPTION FROM REGISTRATION CLAIMED.

      Not applicable.

                                        5
6

ITEM 8.   LIST OF EXHIBITS.

      The following  exhibits are filed with or  incorporated  by reference into
this  Registration  Statement on Form S-8  (numbering  corresponds  generally to
Exhibit Table in Item 601 of Regulation S-K):

      8        Tax Opinion not required. The Corporation has submitted or hereby
               undertakes to submit the 401(k) Plan and any amendments thereto
               to the Internal Revenue Service ("IRS") in a timely manner and
               has made or will make all changes required by the IRS in order to
               qualify the Plan.
      10       Citizens First Savings Bank 401(k) Plan
      23       Consent of Plante & Moran, LLP

ITEM 9.   UNDERTAKINGS

      The undersigned Corporation hereby undertakes:

      (1)   To file, during any period in which it offers or sells securities, a
            post-effective amendment to this Registration Statement to:

            (i)   Include  any  Prospectus required  by  Section 10(a)(3) of the
                  Securities Act;

            (ii)  Reflect  in  the  Prospectus   any   facts  or  events  which,
                  individually  or together,  represent a fundamental  change in
                  the information 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  SEC  pursuant  to  Rule  424(b)  if,  in the
                  aggregate,  the changes in volume and price  represent no more
                  than a 20 percent  change in the  maximum  aggregate  offering
                  price set forth in the "Calculation of Registration Fee" table
                  in the effective registration statement; and

            (iii) Include any additional or changed material information on  the
                  plan  of   distribution   not  previously   disclosed  in  the
                  Registration   Statement  or  any  material   change  to  such
                  information   in  the   Registration   Statement   unless  the
                  information  required by (i) and (ii) is contained in periodic
                  reports  filed by the  Corporation  pursuant  to Section 13 or
                  15(d) of the Exchange Act that are  incorporated  by reference
                  into this Registration Statement;

      (2)   For  determining  liability  under the Securities Act, to treat each
            post-effective  amendment  as a new  Registration  Statement  of the
            securities offered,  and the offering of the securities at that time
            to be the initial bona fide offering thereof.

                                        6
7

      (3)   To file  a post-effective amendment to remove from registration  any
            of the securities that remain unsold at the end of the Offering.

      (4)   That, for purposes of determining any liability under the Securities
            Act,  each filing of the  Corporation's  or the Plan's annual report
            pursuant  to  Section  13(a) or 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.

                                        7
8

                                   SIGNATURES

      Pursuant  to  the   requirements  of  the  Securities  Act  of  1933,  the
Corporation has duly caused this registration statement on Form S-8 to be signed
on its behalf by the undersigned, thereunto duly authorized, in the City of Port
Huron, State of Michigan, on November 29, 2001.

                                      CITIZENS FIRST BANCORP, INC.

                                      By:  /s/ Marshall J. Campbell
                                           -------------------------------------
                                           Marshall J. Campbell
                                           Chairman of the Board, President
                                           and Chief Executive Officer

      KNOW ALL MEN BY THESE PRESENT, that each person whose signature appears
below (other than Mr. Campbell) constitutes and appoints Marshall J. Campbell as
the true and lawful attorney-in-fact and agent with full power of substitution
and resubstitution, for him and in his name, place and stead, in any and all
capacities, to sign any or all amendments to this Form S-8 Registration
Statement, and to file the same, with all exhibits thereto, and other documents
in connection therewith, with the U.S. Securities and Exchange Commission,
respectively, granting unto said attorney-in-fact and agent full power and
authority to do and perform each and every act and things 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 that said attorney-in-fact and
agent or his substitute or substitutes, may lawfully do or cause to be done by
virtue hereof.

/s/ Marshall J. Campbell      Chairman of the Board,          November 29, 2001
---------------------------   President and Chief Executive
Marshall J. Campbell          Officer
                              (principal executive officer)

/s/ Timothy D. Regan          Secretary, Treasurer and        November 29, 2001
--------------------------    Director
Timothy D. Regan              (principal accounting and
                              financial officer)

/s/ Larry J. Moeller, Sr.     Director                        November 29, 2001
--------------------------
Larry J. Moeller, Sr.

                                        8
9

/s/ Ronald W. Cooley           Director                       November 29, 2001
-------------------------
Ronald W. Cooley

/s/ Christopher A. Kellerman   Director                       November 29, 2001
----------------------------
Christopher A. Kellerman

                                        9
10

THE PLAN.

      Pursuant to the requirements of the Securities Act of 1933, the
Corporation (or other persons who administer the Citizens First Savings Bank
401(k) Plan) have duly caused this Registration Statement to be signed on its
behalf by the undersigned, thereunto duly authorized, in Port Huron, Michigan on
November 29, 2001.

                              CITIZENS FIRST SAVINGS BANK 401(K) PLAN

                              By:  /s/ Timothy D. Regan
                                   ------------------------------------------
                                   Timothy D. Regan

                                       10
11
EXHIBIT INDEX
                                  -------------

                                                                                   Sequentially
                                                                                    Numbered
                                                                                      Page
 Exhibit No.     Description            Method of Filing                            Location
------------     ------------------     -------------------------------------      ----------
8           Tax Opinion            Not required.

     10          Citizens First         Filed herewith.                                13
                 Savings Bank
                 401(k) Plan

     23          Consent of Plante &    Filed herewith.                               104
                 Moran, LLP
11