Citizens Financial Corp. operates as the holding company for Citizens National Bank of Elkins, which provides retail and commercial banking services in central and eastern West Virginia. The company?s deposit products include checking accounts, money market accounts, savings accounts, demand accounts, certificates of deposits, and time deposits. Its lending portfolio comprises commercial, financial, and agricultural loans; real estate construction and mortgage loans; and installment loans. The company also provides letters of credit; safe deposit and wire transfer services; automated teller machine, telebanking, and Internet banking services; and brokerage and financial planning services, as well as fixed rate residential mortgages.