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)      November 4, 2005      

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


United States
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)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))




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Item 2.02.  Results of Operation and Financial Condition

         On November 4, 2005, the Registrant issued a press release announcing earnings for the year ended September 30, 2005. A copy of the press release, including unaudited financial information for September 30, 2005 is released as a part thereof, is attached as Exhibit 99 to this Current Report on Form 8-K and incorporated by reference herein.


Item 9.01  Financial Statements and Exhibits


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

                     Exhibit 99        Press Release dated November 4, 2005













































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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:   November 4, 2005By: /s/ John D. Zettler
      John D. Zettler
      Chief Financial Officer










































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EXHIBIT INDEX



Exhibit Number
Description
99    Press Release, dated November 4, 2005


























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