AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON FEBRUARY 3, 2005
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. 1)
Citizens First Financial Corp.
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(Name of Issuer)
Common Stock ($.01 par value)
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(Title of Class of Securities)
174623-10-8
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(CUSIP Number)
December 31, 2004
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(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
{_} Rule 13d-1 (b)
{X} Rule 13d-1 (c)
{_} Rule 13d-1 (d)
*The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject class of
securities, and for any subsequent amendment containing information which would
alter the disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not
be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange
Act of 1934 ("Act") or otherwise subject to the liabilities of that section of
the Act but shall be subject to all other provisions of the Act (however, see
the Notes).
CUSIP NO. 174623-10-8
1 NAME OF REPORTING PERSONS
Investors of America Limited Partnership
IRS Identification Nos. of above persons
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a){_}
(b){_}
3 SEC USE ONLY
4 CITIZENSHIP OR PLACE OF ORGANIZATION
Nevada
5 SOLE VOTING POWER
NUMBER OF SHARES 100,000
BENEFICIALLY OWNED
BY EACH REPORTING 6 SHARED VOTING POWER
PERSON WITH 0
7 SOLE DISPOSITIVE POWER
100,000
8 SHARED DISPOSITIVE POWER
0
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
100,000
10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES {_}
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
6.67%
12 TYPE OF REPORTING PERSON (See Instructions)
PN
ITEM 1 (A) NAME OF ISSUER:
Citizens First Financial Corp.
ITEM 1 (B) ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:
2101 North Veterans Parkway, Bloomington, Illinois 61704
ITEM 2 (A) NAME OF PERSON FILING:
The names of the person filing this statement (the "Reporting Person")
is Investors of America Limited Partnership.
ITEM 2 (B) ADDRESS OF PRINCIPAL OFFICE:
The address of the principal office of the Reporting Persons is 135
North Meramec, Clayton, MO 63105.
ITEM 2 (C) CITIZENSHIP:
Investors of America Limited Partnership is a Nevada limited
partnership.
ITEM 2 (D) TITLE OF CLASS OF SECURITIES:
This statement relates to Common Shares of the Issuer ("Shares").
ITEM 2 (E) CUSIP NUMBER: 174623-10-8
ITEM 3 IF THIS STATEMENT IS FILED PURSUANT TO SECTIONS 240.13D-1(B) OR
240.13D-2(B) OR (C), CHECK WHETHER THE PERSON FILING IS A:
(a)-(j) Not Applicable
ITEM 4 OWNERSHIP:
(a) Amount beneficially owned: 100,000 Shares
(b) Percent of class: 6.67%
(c) Number of shares as to which the person has:
(i) Sole power to vote or to direct the vote 100,000 Shares
(ii) Shared power to vote or to direct the vote -0-
(iii) Sole power to dispose or to direct the disposition of
100,000 Shares
(iv) Shared power to dispose or to direct the disposition of
-0-
ITEM 5 OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.
This item is not applicable
ITEM 6 OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON.
This item is not applicable
ITEM 7 IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARIES WHICH ACQUIRED THE
SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY.
This item is not applicable.
ITEM 8 IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF A GROUP.
This item is not applicable.
ITEM 9 NOTICE OF DISSOLUTION OF GROUP.
This item is not applicable.
ITEM 10 CERTIFICATION.
By signing below I certify that, to the best of my knowledge and
belief, the securities referred to above were not acquired and are not held for
the purpose of or with the effect of changing or influencing the control of the
issuer of the securities and were not acquired and are not held in connection
with or as a participant in any transaction having that purpose or effect.
SIGNATURES
After reasonable inquiry and to the best of our knowledge and belief,
the undersigned certifies that the information set forth in this statement is
true, complete and correct.
Date: February 1, 2005
INVESTORS OF AMERICA LIMITED PARTNERSHIP
/s/ James F. Dierberg
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James F. Dierberg, President of First
Securities America, General Partner