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bgColor=#c0c0c0><FONT size=+2>Form 4</FONT>
<CENTER>UNITED STATES SECURITIES AND EXCHANGE COMMISSION
<P>Washington, D.C. 20549</CENTER>
<P><U>&nbsp;&nbsp;&nbsp; </U>Check here if no longer <BR>subject to Section 16.
<BR>Form 4 or Form
5&nbsp;<B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP</B> <BR>obligations may continue.
<BR>See Instruction
1(b).&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Filed
pursuant to Section 16(a) of the Securities and Exchange Act of 1934, Section
17(a) of the Public Utility
<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Holding Company Act of 1935 or Section 30(f) of the Investment Company Act of
1940 <BR>&nbsp;
<P>(Print or Type Responses)
<TABLE width="100%" border=1>

  <TR vAlign=top>
    <TD>1 Name and Address of
      Reporting&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Person*
      <BR>&nbsp;
      <P>KOSA&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      E&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      GENE</P></TD>
    <TD colSpan=2>&nbsp;Issuer Name and Ticker or Trading Symbol
      <P>CITIZENS FINANCIAL SERVICES,
      INC.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      CZFS</P></TD>
    <TD rowSpan=3>6 Relationship of Reporting Person(s) to Issuer
      <CENTER>(Check All Applicable)</CENTER>
      <P><U>&nbsp; X </U>Director&nbsp;&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp; </U>10%
      Owner
      <P><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      </U>Officer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>&nbsp;&nbsp; </U>Other
      <BR>title below)&nbsp;&nbsp;&nbsp; (specify below) <BR>&nbsp;
      <BR>&nbsp;</P></TD></TR>
  <TR vAlign=top>
    <TD>(Last)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      (First)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      (Middle)</TD>
    <TD rowSpan=5>3 IRS Identification Number of Reporting Person, if an
      entity (Voluntary) <BR>&nbsp; <BR>&nbsp; <BR><BR>
      <CENTER>
      <P>###-##-####</CENTER></P></TD>
    <TD rowSpan=2>4 Statement for Month/Day/Year
      <CENTER>
      <P>02/12/2003</CENTER>&nbsp;</P></TD></TR>
  <TR vAlign=top>
    <TD><BR>927 PUSHERSIDING ROAD</TD></TR>
  <TR vAlign=top>
    <TD>
      <CENTER>(Street)</CENTER></TD>
    <TD rowSpan=3>5 If Amendment, Date of Original (Month/Day/Year)</TD>
    <TD rowSpan=3>7 Individual or Joint/Group Filing
      <CENTER>(Check Applicable Box)</CENTER>
      <P><U>&nbsp;&nbsp; X&nbsp;&nbsp; </U>Filed by One Reporting Person
      <P><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> Filed by More
      Than One Reporting Person</P></TD></TR>
  <TR vAlign=top>
    <TD><BR>ULYSSES&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      PA&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16948</TD></TR>
  <TR vAlign=top>
    <TD>(City)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      (State)&nbsp;&nbsp;&nbsp;&nbsp; (Zip)</TD></TR></TABLE>
<CENTER>
<P><B>Table I - Non-Derivative Securities Acquired, Disposed Of, or Beneficially
Owned</B></CENTER>
<TABLE width="100%" border=1>

  <TR vAlign=top>
    <TD rowSpan=2>1 Title of Security (Instruction 3)&nbsp;</TD>
    <TD rowSpan=2>2 Transaction <BR>Date <BR>mm/dd/yy
      <P>2A Deemed Execution&nbsp; <BR>mm/dd/yy</P></TD>
    <TD colSpan=2>3 Transaction Code (Instruction 8)&nbsp;</TD>
    <TD colSpan=3>4 Securities Acquire (A) or Disposed Of (D) (Instructions
      3,4 and 5)</TD>
    <TD rowSpan=2>5 Amount of Securities Beneficially Owned After&nbsp;
      Reported Transaction(s) (Instrs 3 and 4)</TD>
    <TD rowSpan=2>6 Ownership: Direct (D) or Indirect (I) (Instr 4)</TD>
    <TD rowSpan=2>7 Nature of Indirect Beneficial Ownership (Instruction
  4)</TD></TR>
  <TR vAlign=top>
    <TD>
      <CENTER>Code</CENTER></TD>
    <TD>
      <CENTER>V</CENTER></TD>
    <TD>
      <CENTER>Amount</CENTER></TD>
    <TD>
      <CENTER>(A) or&nbsp; <BR>(D)</CENTER></TD>
    <TD>
      <CENTER>Price</CENTER></TD></TR>
  <TR vAlign=top>
    <TD>COMMON&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    CLASS&nbsp;</TD>
    <TD>02/11/2003</TD>
    <TD>
      <CENTER>P</CENTER></TD>
    <TD>
      <CENTER>V</CENTER></TD>
    <TD>
      <DIV align=right>7.1802</DIV></TD>
    <TD>
      <CENTER>A</CENTER></TD>
    <TD>
      <DIV align=right>$22.75</DIV></TD>
    <TD>
      <DIV align=right>971.6747</DIV></TD>
    <TD>
      <CENTER>D</CENTER></TD>
    <TD></TD></TR>
  <TR vAlign=top>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD>
      <DIV align=right>20</DIV></TD>
    <TD>
      <CENTER>I</CENTER></TD>
    <TD>BY SPOUSE</TD></TR>
  <TR vAlign=top>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD></TR>
  <TR vAlign=top>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD></TR>
  <TR vAlign=top>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD></TR></TABLE><BR>&nbsp; <BR>&nbsp;
<P>Reminder: Report on a separate line for each class of securities beneficially
owned directly or
indirectly.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(Over) <BR>* If the form is filed by more than one reporting person, see
Instruction
4(b)(v).&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
SEC 1474 (7-97) <BR>&nbsp; <BR>&nbsp; <BR>&nbsp;
<P>E GENE KOSA <BR>&nbsp; <BR>&nbsp; <BR>
<CENTER>
<P>FORM 4 (Continued)
<P><B>Table II - Derivative Securities Acquired, Disposed Of, or Beneficially
Owned</B> <BR><B>(Puts, Calls, Warrants, Options, Convertible
Securities)</B></CENTER>
<TABLE width="100%" border=1>

  <TR vAlign=top>
    <TD rowSpan=2>1 Title of Deriv- <BR>ative Security (Instr 3)</TD>
    <TD rowSpan=2>2 Con- version or Exercise Price of Derivative Security</TD>
    <TD rowSpan=2>3 Trans- <BR>action Date (mm/dd/yy)
      <P>3A Deemed Execution Date (mm/dd/yy)</P></TD>
    <TD colSpan=2>4 Transaction Code (Instr 8)</TD>
    <TD colSpan=2>5 Number of Derivative Securities Acquired (A) or Disposed
      Of (D) (Instr 3, 4, and 5)</TD>
    <TD colSpan=2>6 Date Exercisable and Expiration Dave (Month/Day/Year)</TD>
    <TD colSpan=2>7 Title and Amount of Underlying Securities (Instrs 3 and
    4)</TD>
    <TD rowSpan=2>8 Price of Derivative Security (Instr 5)</TD>
    <TD rowSpan=2>9 Number of Derivative Securities Owned After Reported
      Transactions (Instr 4)</TD>
    <TD rowSpan=2>10 Ownership: Direct (D) or Indirect (I) (Instr 4)</TD>
    <TD rowSpan=2>11 Nature of Indirect Beneficial Ownership (Instr 4)</TD></TR>
  <TR vAlign=top>
    <TD>
      <CENTER>Code</CENTER></TD>
    <TD>
      <CENTER>V</CENTER></TD>
    <TD>
      <CENTER>(A)</CENTER></TD>
    <TD>
      <CENTER>(D)</CENTER></TD>
    <TD>
      <CENTER>Date <BR>Exerisable</CENTER></TD>
    <TD>
      <CENTER>Expiration Date</CENTER></TD>
    <TD>
      <CENTER>Title</CENTER></TD>
    <TD>
      <CENTER>Amount <BR>or Number of Shares</CENTER></TD></TR>
  <TR vAlign=top>
    <TD>NONE</TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD></TR></TABLE>
<P>Explanation of Responses:&nbsp; STOCK PURCHASE THROUGH DRP <BR>&nbsp;
<BR>&nbsp;
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>/s/ Gina Marie
Boor&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>&nbsp;
02/12/2003</U>
<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
** Signature of Reporting Person
Date&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Date
<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Gina Marie Boor Power of Attorney for E. Gene Kosa
<P>** Intentional misstatements or omissions of facts constitute Federal
Criminal Violations. <BR>See 18 U.S.C. 1001 and 15 U.S.C. 78ff (a).
<DIV align=right>Page 2 <BR>&nbsp;(SEC 1474 (7-97)</DIV></BODY></HTML>
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form4
Form 4
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Check here if no longer
subject to Section 16.
Form 4 or Form
5
STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
obligations may continue.
See Instruction
1(b).            Filed
pursuant to Section 16(a) of the Securities and Exchange Act of 1934, Section
17(a) of the Public Utility
Holding Company Act of 1935 or Section 30(f) of the Investment Company Act of
1940
(Print or Type Responses)
1 Name and Address of
      Reporting          Person*
KOSA              
      E                     
      GENE
Issuer Name and Ticker or Trading Symbol
CITIZENS FINANCIAL SERVICES,
      INC.                                      
      CZFS
6 Relationship of Reporting Person(s) to Issuer
(Check All Applicable)
X
Director
10%
      Owner
Officer
Other
title below)    (specify below)
(Last)             
      (First)                  
      (Middle)
3 IRS Identification Number of Reporting Person, if an
      entity (Voluntary)
###-##-####
4 Statement for Month/Day/Year
02/12/2003
927 PUSHERSIDING ROAD
(Street)
5 If Amendment, Date of Original (Month/Day/Year)
7 Individual or Joint/Group Filing
(Check Applicable Box)
X
Filed by One Reporting Person
Filed by More
      Than One Reporting Person
ULYSSES                     
      PA          16948
(City)                             
      (State)     (Zip)
Table I - Non-Derivative Securities Acquired, Disposed Of, or Beneficially
Owned
1 Title of Security (Instruction 3)
2 Transaction
Date
mm/dd/yy
2A Deemed Execution
mm/dd/yy
3 Transaction Code (Instruction 8)
4 Securities Acquire (A) or Disposed Of (D) (Instructions
      3,4 and 5)
5 Amount of Securities Beneficially Owned After 
      Reported Transaction(s) (Instrs 3 and 4)
6 Ownership: Direct (D) or Indirect (I) (Instr 4)
7 Nature of Indirect Beneficial Ownership (Instruction
  4)
Code
V
Amount
(A) or
(D)
Price
COMMON         
    CLASS
02/11/2003
P
V
7.1802
A
$22.75
971.6747
D
20
I
BY SPOUSE
Reminder: Report on a separate line for each class of securities beneficially
owned directly or
indirectly.                                                                               
(Over)
* If the form is filed by more than one reporting person, see
Instruction
4(b)(v).                                                                                                    
SEC 1474 (7-97)
E GENE KOSA
FORM 4 (Continued)
Table II - Derivative Securities Acquired, Disposed Of, or Beneficially
Owned
(Puts, Calls, Warrants, Options, Convertible
Securities)
1 Title of Deriv-
ative Security (Instr 3)
2 Con- version or Exercise Price of Derivative Security
3 Trans-
action Date (mm/dd/yy)
3A Deemed Execution Date (mm/dd/yy)
4 Transaction Code (Instr 8)
5 Number of Derivative Securities Acquired (A) or Disposed
      Of (D) (Instr 3, 4, and 5)
6 Date Exercisable and Expiration Dave (Month/Day/Year)
7 Title and Amount of Underlying Securities (Instrs 3 and
    4)
8 Price of Derivative Security (Instr 5)
9 Number of Derivative Securities Owned After Reported
      Transactions (Instr 4)
10 Ownership: Direct (D) or Indirect (I) (Instr 4)
11 Nature of Indirect Beneficial Ownership (Instr 4)
Code
V
(A)
(D)
Date
Exerisable
Expiration Date
Title
Amount
or Number of Shares
NONE
Explanation of Responses:  STOCK PURCHASE THROUGH DRP
/s/ Gina Marie
Boor
02/12/2003
** Signature of Reporting Person
Date                             
Date
Gina Marie Boor Power of Attorney for E. Gene Kosa
** Intentional misstatements or omissions of facts constitute Federal
Criminal Violations.
See 18 U.S.C. 1001 and 15 U.S.C. 78ff (a).
Page 2
(SEC 1474 (7-97)