Citizens Financial Corp

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Citizens Financial, located in Elkins, W.V a., is a bank holding company, providing retail and commercial banking services. It is the parent company and sole owner of Citizens National Bank of Elkins and Citizens Financial Services. The bank provides various services, including savings and time deposits, residential, consumer and commercial loans, letters of credit, safe deposit and wire transfer services, and ATM, telebanking and Internet banking services. It also provides other services, such as bookkeeping, accounting, loan administration and review, compliance, internal audit, marketing, training and development, human resources and information technology support. Citizens Financial has a trust department that provides brokerage and financial planning services, and fixed-rate residential mortgages.