| 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%                                     |
| The Lawrenceburg Bank and Trust Company         | Kentucky                                                | 100%                                     |
| Citizens Bank of Northern Kentucky, Inc.        | Kentucky                                                | 100%                                     |
| FCB Services, Inc.                              | Kentucky                                                | 100%                                     |
| Kentucky General Holdings, LLC                  | 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%                                     |
|                                            |                                                    |                                     |
| Kentucky General Life Insurance Company, Inc. 1 | Kentucky                                                |                                     |
| Leasing One Corporation 2                       | Kentucky                                                |                                     |
| Farmers Bank Realty Co. 2                       | Kentucky                                                |                                     |
| EG Properties, Inc.2                            | Kentucky                                                |                                     |
| Farmers Capital Insurance Corporation 2         | Kentucky                                                |                                     |
| FA Properties, Inc.2                            | Kentucky                                                |                                     |
| FORE Realty, LLC2                               | Kentucky                                                |                                     |
| Farmers Fidelity Insurance Agency, LLP 3        | Kentucky                                                |                                     |
| Austin Park Apartments, LTD 4                   | Kentucky                                                |                                     |
| Frankfort Apartments II, LTD 5                  | Kentucky                                                |                                     |
| ENKY Properties, Inc. 6                         | Kentucky                                                |                                     |
| EGT Properties7                                 | Kentucky                                                |                                     |
| NUBT Properties, LLC8                           | Kentucky                                                |                                     |
| Flowing Creek Realty, LLC9                      | Indiana                                                 |                                     |
| St. Clair Properties, LLC10                     | Kentucky                                                |                                     |

| 1  | No stock issued; inactive company.                                                                  |
|----|-----------------------------------------------------------------------------------------------------|
| 2  | A wholly-owned subsidiary of Farmers Bank.                                                          |
| 3  | A fifty percent (50%) owned LLP of Farmers Insurance.                                               |
| 4  | Farmers Bank has a 99% limited interest in this partnership.                                        |
| 5  | Farmers Bank has a 99.9% limited interest in this partnership.                                      |
| 6  | A wholly-owned subsidiary of Citizens Northern.                                                     |
| 7  | A wholly-owned subsidiary of United Bank.                                                           |
| 8  | EGT holds an 83% member interest and ENKY holds a 17% member interest.                              |
| 9  | NUBT holds a 67% member interest and the remaining 33% interest is held by unrelated third parties. |
| 10 | Farmers Bank has a 95% limited interest in this partnership.                                        |

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