| Subsidiaries      of the Registrant                       | Jurisdiction      of Incorporation or      Organization | Percentage      VotingStock      Held byRegistrant |
|-----------------------------------------------------------|-------------------------------------------------------------------|----------------------------------------------------|
|                                                      |                                                              |                                               |
| Farmers      Bank & Capital Trust Co.                 | 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%                                               |
|                                                      |                                                              |                                               |
| KHL      Holdings, LLC 1                                  | Kentucky                                                          |                                               |
| Kentucky      Home Life Insurance Company 2               | Kentucky                                                          |                                               |
| Kentucky      General Life Insurance Company, Inc.      3 | Kentucky                                                          |                                               |
| Leasing      One Corporation      4                       | Kentucky                                                          |                                               |
| Farmers      Bank Realty Co. 4                            | Kentucky                                                          |                                               |
| EG      Properties, Inc.4                                 | Kentucky                                                          |                                               |
| Farmers      Capital Insurance Corporation      4         | Kentucky                                                          |                                               |
| FA      Properties, Inc.4                                 | Kentucky                                                          |                                               |
| Farmers      Fidelity Insurance Agency, LLP 5             | Kentucky                                                          |                                               |
| Austin      Park Apartments, LTD 6                        | Kentucky                                                          |                                               |
| Frankfort      Apartments II, LTD 7                       | Kentucky                                                          |                                               |
| ENKY      Properties, Inc.      8                         | Kentucky                                                          |                                               |
| EGT      Properties9                                      | Kentucky                                                          |                                               |
| NUBT      Properties, LLC10                               | Kentucky                                                          |                                               |
| Flowing      Creek Realty, LLC11                          | Indiana                                                           |                                               |

| 1 | Kentucky      General holds a 45% equity and 50% voting interest in KHL Holdings,      LLC. |
|---|---------------------------------------------------------------------------------------------|

| 2 | A      wholly-owned subsidiary of KHL Holdings,LLC. |
|---|-----------------------------------------------------|

| 3 | No      stock issued; inactive company. |
|---|-----------------------------------------|

| 4 | A      wholly-owned subsidiary of FarmersBank. |
|---|------------------------------------------------|

| 5 | A      fifty (50%) percent owned LLP of Farmers  Insurance. |
|---|-------------------------------------------------------------|

| 6 | Farmers      Bank has a 99% limited interest in this  partnership. |
|---|--------------------------------------------------------------------|

| 7 | Farmers      Bank has a 99.9% limited interest in this  partnership. |
|---|----------------------------------------------------------------------|

| 8   | A      wholly-owned subsidiary of CitizensNorthern. |
|---------------|-----------------------------------------------------|

| 9   | A      wholly-owned subsidiary of UnitedBank. |
|---------------|-----------------------------------------------|

| 10   | EGT      holds an 83% member interest and ENKY holds a 17% member      interest. |
|----------------|----------------------------------------------------------------------------------|

| 11   | NUBT      holds a 67% member interest and the remaining 33% interest is held by      unrelated third parties. |
|----------------|---------------------------------------------------------------------------------------------------------------|

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