FORM 10-K FOR 12/31/2004

Company

CITIZENS FINANCIAL SERVICES INC

Filed

March 15, 2005

Period of Report

December 31, 2004

Accession Number

0000739421-05-000023

A 10-K is a company's comprehensive annual report, required by the SEC. It includes audited financial statements, a description of the business, risk factors, and management's discussion of results. Learn more about 10-K filings →