Exhibit 10.15 First Amendment to Employment Agreement between Citizens First Corporation and Barry D. Bray AMENDMENT TO EMPLOYMENT AGREEMENT This AMENDMENT TO THE EMPLOYMENT AGREEMENT, made and entered into as of this 10th day of May, 1999, by and...

       Exhibit 10.15

       First Amendment to Employment Agreement between Citizens First
         Corporation and Xxxxx X. Xxxx

                        AMENDMENT TO EMPLOYMENT AGREEMENT


         This AMENDMENT TO THE EMPLOYMENT AGREEMENT, made and entered into as of
this  10th day of May,  1999,  by and  between  CITIZENS  FIRST  CORPORATION,  a
Kentucky corporation ("Employer"), and Xxxxx Xxxx, and individual ("Xxxx").

         Employer and Xxxx agree to amend  paragraph 5 (five) of the  employment
agreement  entered  into as of the18th day of  December  1998 by and between the
employer  and Xxxx to adjust  Xxxx'x  annualized  salary  rate from  $63,750  to
$85,000  payable  in  equal  bi-weekly   installments  effective  May  1,  1999.
Additionally,  the Employer's President and Chief Executive Officer shall review
Xxxx'x salary on an annual basis rather than on a quarterly basis. Xxxx'x salary
for any calendar year after 1999 shall be at the annualized rated established by
Employer at the commencement of each such year.


BY:      _________________________
         Xxxx Xxxxxx, President & CEO


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         Xxxxx Xxxx