-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 JxoydiqpGdJ79CmoWVY5bck8tY7SPAvMMS11heFJ90N14hgEC78qTZZlm95wcnVP
 xe+k59dm1MLnBw4DO0rhFw==

<SEC-DOCUMENT>0001469186-09-000001.txt : 20090803
<SEC-HEADER>0001469186-09-000001.hdr.sgml : 20090801
<ACCEPTANCE-DATETIME>20090803095554
ACCESSION NUMBER:		0001469186-09-000001
CONFORMED SUBMISSION TYPE:	D
PUBLIC DOCUMENT COUNT:		1
ITEM INFORMATION:		Rule 506
FILED AS OF DATE:		20090803
DATE AS OF CHANGE:		20090803
EFFECTIVENESS DATE:		20090803

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Citizens Commerce Bancshares, Inc.
		CENTRAL INDEX KEY:			0001469186
		IRS NUMBER:				611330772
		STATE OF INCORPORATION:			KY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		D
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	021-133282
		FILM NUMBER:		09978993

	BUSINESS ADDRESS:	
		STREET 1:		534 MARSAILLES ROAD
		CITY:			VERSAILLES
		STATE:			KY
		ZIP:			40383
		BUSINESS PHONE:		(859) 879-9455

	MAIL ADDRESS:	
		STREET 1:		534 MARSAILLES ROAD
		CITY:			VERSAILLES
		STATE:			KY
		ZIP:			40383
</SEC-HEADER>
<DOCUMENT>
<TYPE>D
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<edgarSubmission>

    <schemaVersion>X0502</schemaVersion>

    <submissionType>D</submissionType>

    <testOrLive>LIVE</testOrLive>

    <primaryIssuer>
        <cik>0001469186</cik>
        <entityName>Citizens Commerce Bancshares, Inc.</entityName>
        <issuerAddress>
            <street1>534 MARSAILLES ROAD</street1>
            <street2></street2>
            <city>VERSAILLES</city>
            <stateOrCountry>KY</stateOrCountry>
            <zipCode>40383</zipCode>
        </issuerAddress>
        <issuerPhoneNumber>(859) 879-9455</issuerPhoneNumber>
        <issuerPreviousNameList>
            <value>None</value>
        </issuerPreviousNameList>
        <jurisdictionOfInc>KENTUCKY</jurisdictionOfInc>
        <entityType>Corporation</entityType>
        <yearOfInc>
            <overFiveYears>true</overFiveYears>
        </yearOfInc>
    </primaryIssuer>

    <relatedPersonsList>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Jeff</firstName>
                <middleName></middleName>
                <lastName>Ball</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>534 Marsailles Road</street1>
                <street2></street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>David</firstName>
                <middleName></middleName>
                <lastName>Brown</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>534 Marsailles Road</street1>
                <street2></street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Tim</firstName>
                <middleName></middleName>
                <lastName>Cambron</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>1024 Bluegrass Road</street1>
                <street2></street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Michael</firstName>
                <middleName></middleName>
                <lastName>Flynn</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>534 Marsailles Road</street1>
                <street2></street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Dale</firstName>
                <middleName></middleName>
                <lastName>Goodin</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>219 Stourbridge Road</street1>
                <street2></street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Dave</firstName>
                <middleName></middleName>
                <lastName>Gyor</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>534 Marsailles Road</street1>
                <street2></street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Michelle</firstName>
                <middleName></middleName>
                <lastName>Oxley</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>534 Marsailles Road</street1>
                <street2></street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Will</firstName>
                <middleName></middleName>
                <lastName>Parks</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>4129 Old Frankfort Pike</street1>
                <street2></street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Ken</firstName>
                <middleName></middleName>
                <lastName>Reed</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>1220 Stourbridge Road</street1>
                <street2></street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Barry</firstName>
                <middleName></middleName>
                <lastName>Settles</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>213 Stourbridge Road</street1>
                <street2></street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>William</firstName>
                <middleName></middleName>
                <lastName>Shanks</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>Williams Lane</street1>
                <street2>P.O. Box 146</street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>John</firstName>
                <middleName>E.</middleName>
                <lastName>Soper</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>534 Marsailles Road</street1>
                <street2></street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Executive Officer</relationship>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
        <relatedPersonInfo>
            <relatedPersonName>
                <firstName>Frank</firstName>
                <middleName></middleName>
                <lastName>Stark</lastName>
            </relatedPersonName>
            <relatedPersonAddress>
                <street1>214 Stourbridge Road</street1>
                <street2></street2>
                <city>Versailles</city>
                <stateOrCountry>KY</stateOrCountry>
                <zipCode>40383</zipCode>
            </relatedPersonAddress>
            <relatedPersonRelationshipList>
                <relationship>Director</relationship>
            </relatedPersonRelationshipList>
            <relationshipClarification></relationshipClarification>
        </relatedPersonInfo>
    </relatedPersonsList>

    <offeringData>
        <industryGroup>
            <industryGroupType>Commercial Banking</industryGroupType>
        </industryGroup>
        <issuerSize>
            <revenueRange>Decline to Disclose</revenueRange>
        </issuerSize>
        <federalExemptionsExclusions>
            <item>06</item>
        </federalExemptionsExclusions>
        <typeOfFiling>
            <newOrAmendment>
                <isAmendment>false</isAmendment>
            </newOrAmendment>
            <dateOfFirstSale>
                <yetToOccur>true</yetToOccur>
            </dateOfFirstSale>
        </typeOfFiling>
        <durationOfOffering>
            <moreThanOneYear>false</moreThanOneYear>
        </durationOfOffering>
        <typesOfSecuritiesOffered>
            <isEquityType>true</isEquityType>
            <isOptionToAcquireType>true</isOptionToAcquireType>
        </typesOfSecuritiesOffered>
        <businessCombinationTransaction>
            <isBusinessCombinationTransaction>false</isBusinessCombinationTransaction>
            <clarificationOfResponse></clarificationOfResponse>
        </businessCombinationTransaction>
        <minimumInvestmentAccepted>25200</minimumInvestmentAccepted>
        <salesCompensationList></salesCompensationList>
        <offeringSalesAmounts>
            <totalOfferingAmount>8775000</totalOfferingAmount>
            <totalAmountSold>0</totalAmountSold>
            <totalRemaining>8775000</totalRemaining>
            <clarificationOfResponse>Total comprises $7,020,000 for shares and $1,755,000 for warrant shares (if and when exercised).</clarificationOfResponse>
        </offeringSalesAmounts>
        <investors>
            <hasNonAccreditedInvestors>false</hasNonAccreditedInvestors>
            <totalNumberAlreadyInvested>0</totalNumberAlreadyInvested>
        </investors>
        <salesCommissionsFindersFees>
            <salesCommissions>
                <dollarAmount>0</dollarAmount>
            </salesCommissions>
            <findersFees>
                <dollarAmount>0</dollarAmount>
            </findersFees>
            <clarificationOfResponse></clarificationOfResponse>
        </salesCommissionsFindersFees>
        <useOfProceeds>
            <grossProceedsUsed>
                <dollarAmount>0</dollarAmount>
            </grossProceedsUsed>
            <clarificationOfResponse></clarificationOfResponse>
        </useOfProceeds>
        <signatureBlock>
            <authorizedRepresentative>false</authorizedRepresentative>
            <signature>
                <issuerName>Citizens Commerce Bancshares, Inc.</issuerName>
                <signatureName>John E. Soper</signatureName>
                <nameOfSigner>John E. Soper</nameOfSigner>
                <signatureTitle>President and Chief Executive Officer</signatureTitle>
                <signatureDate>2009-08-03</signatureDate>
            </signature>
        </signatureBlock>
    </offeringData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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