UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549


FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934



Date of Report (Date of earliest event reported)      July 27, 2004      



CITIZENS COMMUINITY BANCORP
(Exact name of Registrant as specified in its Charter)


Maryland
000-50585
20-0663325
(State or other jurisdiction
of incorporation)		(Commission File No.)(IRS Employer
Identification
Number)

2174 Eastridge Center, Eau Claire, Wisconsin
54701
(Address of principal executive offices)(Zip Code)

Registrant's telephone number, including area code: (715) 836-9994

Not Applicable
(Former name or former address, if changed since last report)

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Item 7. Financial Statements, Pro Forma Financial Information and Exhibits


            (c)     The following exhibit is filed as part of this report.

                     Exhibit 99        Press Release dated July 27, 2004

Item 12. Results of Operations and Financial Condition

            The Registrant's press release dated July 27, 2004, announcing earnings for the quarter ended June 30, 2004 is attached hereto as Exhibit 99, and is incorporated herein by reference.









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SIGNATURES



            Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.


 CITIZENS COMMUNITY BANCORP
 
 
 
 		 
Date:   July 27, 2004By: /s/ John D. Zettler
      John D. Zettler
      Chief Financial Officer



















EXHIBIT INDEX



Exhibit Number
Description
99    Press Release, dated July 27, 2004












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