| Subsidiaries of the Registrant           |   Jurisdiction of Incorporation or Organization | Percentage VotingStock Held byRegistrant |
|------------------------------------------|----------------------------------------------------------------|------------------------------------------|
|                                     |                                                           |                                     |   |
| Farmers Bank & Capital Trust Company |                                                           | Kentucky                                 | 100% |
| United Bank & Trust Company          |                                                           | Kentucky                                 | 100% |
| First Citizens Bank                      |                                                           | Kentucky                                 | 100% |
| Citizens Bank of Northern Kentucky, Inc. |                                                           | Kentucky                                 | 100% |
| FCB Services, Inc.                       |                                                           | Kentucky                                 | 100% |
| FFKT Insurance Services, Inc.            |                                                           | Kentucky                                 | 100% |
| EKT Properties, Inc.                     |                                                           | Kentucky                                 | 100% |
| Farmers Capital Bank Trust I             |                                                           | Delaware                                 | 100% |
| Farmers Capital Bank Trust II            |                                                           | Delaware                                 | 100% |
| Farmers Capital Bank Trust III           |                                                           | Delaware                                 | 100% |
|                                     |                                                           |                                     |   |
| Leasing One Corporation 1                |                                                           | Kentucky                                 |   |
| Farmers Bank Realty Co. 1                |                                                           | Kentucky                                 |   |
| EG Properties, Inc.1                     |                                                           | Kentucky                                 |   |
| Farmers Capital Insurance Corporation 1  |                                                           | Kentucky                                 |   |
| FA Properties, Inc.1                     |                                                           | Kentucky                                 |   |
| FORE Realty, LLC 1                       |                                                           | Kentucky                                 |   |
| LORE Realty, LLC 1                       |                                                           | Kentucky                                 |   |
| Farmers Fidelity Insurance Agency, LLP 2 |                                                           | Kentucky                                 |   |
| Austin Park Apartments, LTD 3            |                                                           | Kentucky                                 |   |
| Frankfort Apartments II, LTD 4           |                                                           | Kentucky                                 |   |
| ENKY Properties, Inc. 5                  |                                                           | Kentucky                                 |   |
| EGT Properties 6                         |                                                           | Kentucky                                 |   |
| NUBT Properties, LLC 7                   |                                                           | Kentucky                                 |   |
| Flowing Creek Realty, LLC 8              |                                                           | Indiana                                  |   |
| St. Clair Properties, LLC 9              |                                                           | Kentucky                                 |   |

| 1A wholly-owned subsidiary of Farmers Bank.                                                          |
|------------------------------------------------------------------------------------------------------|
| 2A fifty percent (50%) owned LLP of Farmers Insurance.                                               |
| 3Farmers Bank has a 99% limited interest in this partnership.                                        |
| 4Farmers Bank has a 99.9% limited interest in this partnership.                                      |
| 5A wholly-owned subsidiary of Citizens Northern.                                                     |
| 6A wholly-owned subsidiary of United Bank.                                                           |
| 7EGT holds an 83% member interest and ENKY holds a 17% member interest.                              |
| 8NUBT holds a 67% member interest and the remaining 33% interest is held by unrelated third parties. |
| 9Farmers Bank has a 95% limited interest in this partnership.                                        |

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