-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: keymaster@town.hall.org
Originator-Key-Asymmetric:
 MFkwCgYEVQgBAQICAgADSwAwSAJBALeWW4xDV4i7+b6+UyPn5RtObb1cJ7VkACDq
 pKb9/DClgTKIm08lCfoilvi9Wl4SODbR1+1waHhiGmeZO8OdgLUCAwEAAQ==
MIC-Info: RSA-MD5,RSA,
 EzeQI0J1DLoXh4qXDoS7+BOXiJiCZkVdmkmwe+PcaL9bxqym5X8u2Ewa+DrUt04N
 NYRKDcKoaotQ03kpOl38Ew==

<IMS-DOCUMENT>0000898430-95-000567.txt : 19950419
<IMS-HEADER>0000898430-95-000567.hdr.sgml : 19950419
ACCESSION NUMBER:		0000898430-95-000567
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	19941231
FILED AS OF DATE:		19950417
SROS:			AMEX

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITADEL HOLDING CORP
		CENTRAL INDEX KEY:			0000716634
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				953885184
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08625
		FILM NUMBER:		95529257

	BUSINESS ADDRESS:	
		STREET 1:		700 N CENTRAL
		STREET 2:		SUITE 500
		CITY:			GLENDALE
		STATE:			CA
		ZIP:			91203
		BUSINESS PHONE:		8185517450

	MAIL ADDRESS:	
		STREET 1:		600 N BRAND BLVD
		CITY:			GLENDALE
		STATE:			CA
		ZIP:			91203
</IMS-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>000089843095000567-001-seq1-10-k.txt
<DESCRIPTION>FORM 10-K
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-3.1
<SEQUENCE>2
<FILENAME>000089843095000567-002-seq2-ex-3-1.txt
<DESCRIPTION>CERTIFICATE OF INCORPORATION
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.40
<SEQUENCE>3
<FILENAME>000089843095000567-003-seq3-ex-10-40.txt
<DESCRIPTION>CONVERSION DEFERRAL
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>4
<FILENAME>000089843095000567-004-seq4-ex-21.txt
<DESCRIPTION>SUBSIDIARIES OF THE COMPANY
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-27
<SEQUENCE>5
<FILENAME>000089843095000567-005-seq5-ex-27.txt
<DESCRIPTION>FDS, ARTICLE 5
</DOCUMENT>
</SUBMISSION>