|   |                                                   |   |
|--------|--------------------------------------------------------|--------|
|   | Farmers Capital Bank Corporation                       |   |
|   | (Exact name of registrant as specified in its charter) |   |

|   | Kentucky                     |   | 0-14412      |   | 61-1017851          |   |
|--------|------------------------------|--------|--------------|--------|---------------------|--------|
|   | (State or other jurisdiction |   | (Commission  |   | (IRS Employer       |   |
|   | of incorporation)            |   | File Number) |   | Identification No.) |   |

|   | P.O. Box 309  Frankfort, KY    |   | 40602      |   |
|--------|------------------------------------------|--------|------------|--------|
|   | (Address of principal executive offices) |   | (Zip Code) |   |

|   | Not Applicable                                                 |   |
|--------|----------------------------------------------------------------|--------|
|   | (Former name or former address, if changed since last report.) |   |

----

| PART I – FINANCIAL INFORMATION                                                                           |   |
|----------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                           |   |
| Item 1. Financial Statements                                                                                   |   |
| Unaudited Consolidated Balance Sheets                                                                          | 3      |
| Unaudited Consolidated Statements of Income                                                                    | 4      |
| Unaudited Consolidated Statements of Comprehensive Income                                                      | 5      |
| Unaudited Consolidated Statements of Cash Flows                                                                | 6      |
| Unaudited Consolidated Statements of Changes in Shareholders’ Equity                                     | 7      |
| Notes to Unaudited Consolidated Financial Statements                                                           | 8      |
|                                                                                                           |   |
| Item 2.  Management’s Discussion and Analysis of Financial Condition and Results of Operations | 21     |
|                                                                                                           |   |
| Item 3.  Quantitative and Qualitative Disclosures About Market Risk                                  | 34     |
|                                                                                                           |   |
| Item 4.  Controls and Procedures                                                                     | 34     |
|                                                                                                           |   |
| PART II - OTHER INFORMATION                                                                                    |   |
|                                                                                                           |   |
| Item 1.  Legal Proceedings                                                                           | 35     |
|                                                                                                           |   |
| Item 2.  Unregistered Sales of Equity Securities and Use of Proceeds                                 | 35     |
|                                                                                                           |   |
| Item 6.  Exhibits                                                                                    | 36     |
|                                                                                                           |   |
| SIGNATURES                                                                                                     | 38     |

----

PART I – FINANCIAL INFORMATION

Item 1. Financial Statements

Unaudited Consolidated Balance Sheets

|                                                                                                                                                                                            |   | March 31, |      |   | December 31, |   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-----------|-----------|--------|--------------|--------|
| (Dollars in thousands, except per share data)                                                                                                                               |   | 2010      |      |   | 2009         |   |
| Assets                                                                                                                                                                                          |   |      |      |   |         |   |
| Cash and cash equivalents:                                                                                                                                                                      |   |      |      |   |         |   |
| Cash and due from banks                                                                                                                                                                         |   | $         | 84,039    |   |         | $      | 35,841 |   |
| Interest bearing deposits in other banks                                                                                                                                                        |   |      | 126,128   |   |         |   | 175,926 |   |
| Federal funds sold and securities purchased under agreements to resell                                                                                                                          |   |      | 6,151     |   |         |   | 6,569 |   |
| Total cash and cash equivalents                                                                                                                                                                 |   |      | 216,318   |   |         |   | 218,336 |   |
| Investment securities:                                                                                                                                                                          |   |      |      |   |         |   |   |   |
| Available for sale, amortized cost of $547,669 (2010) and $537,873 (2009)                                                                                                                       |   |      | 558,083   |   |         |   | 547,873 |   |
| Held to maturity, fair value of $933 (2010) and $922 (2009)                                                                                                                                     |   |      | 975       |   |         |   | 975 |   |
| Total investment securities                                                                                                                                                                     |   |      | 559,058   |   |         |   | 548,848 |   |
| Loans, net of unearned income                                                                                                                                                                   |   |      | 1,255,478 |   |         |   | 1,271,942 |   |
| Allowance for loan losses                                                                                                                                                                       |   |      | (23,694   | )      |         |   | (23,364 | ) |
| Loans, net                                                                                                                                                                                      |   |      | 1,231,784 |   |         |   | 1,248,578 |   |
| Premises and equipment, net                                                                                                                                                                     |   |      | 38,607    |   |         |   | 39,121 |   |
| Company-owned life insurance                                                                                                                                                                    |   |      | 28,338    |   |         |   | 36,626 |   |
| Other intangibles, net                                                                                                                                                                          |   |      | 4,629     |   |         |   | 4,989 |   |
| Other real estate owned                                                                                                                                                                         |   |      | 26,686    |   |         |   | 31,232 |   |
| Other assets                                                                                                                                                                                    |   |      | 42,822    |   |         |   | 43,832 |   |
| Total assets                                                                                                                                                                                    |   | $         | 2,148,242 |   |         | $      | 2,171,562 |   |
| Liabilities                                                                                                                                                                                     |   |      |      |   |         |   |   |   |
| Deposits:                                                                                                                                                                                       |   |      |      |   |         |   |   |   |
| Noninterest bearing                                                                                                                                                                             |   | $         | 208,760   |   |         | $      | 214,518 |   |
| Interest bearing                                                                                                                                                                                |   |      | 1,415,676 |   |         |   | 1,418,915 |   |
| Total deposits                                                                                                                                                                                  |   |      | 1,624,436 |   |         |   | 1,633,433 |   |
| Term federal funds purchased and other short-term borrowings                                                                                                                                    |   |      | 38,597    |   |         |   | 47,215 |   |
| Securities sold under agreements to repurchase and other long-term borrowings                                                                                                                   |   |      | 262,787   |   |         |   | 267,962 |   |
| Subordinated notes payable to unconsolidated trusts                                                                                                                                             |   |      | 48,970    |   |         |   | 48,970 |   |
| Dividends payable                                                                                                                                                                               |   |      | 188       |   |         |   | 925 |   |
| Other liabilities                                                                                                                                                                               |   |      | 24,083    |   |         |   | 25,830 |   |
| Total liabilities                                                                                                                                                                               |   |      | 1,999,061 |   |         |   | 2,024,335 |   |
| Shareholders’ Equity                                                                                                                                                                      |   |      |      |   |         |   |   |   |
| Preferred stock, no par value   1,000,000 shares authorized; 30,000 Series A shares issued and outstanding at March 31, 2010 and December 31, 2009; Liquidation preference of $30,000 |   |      | 28,439    |   |         |   | 28,348 |   |
| Common stock, par value $.125 per share   9,608,000 shares authorized; 7,384,222 and 7,378,605 shares issued and outstanding at March 31, 2010 and December 31, 2009, respectively    |   |      | 923       |   |         |   | 922 |   |
| Capital surplus                                                                                                                                                                                 |   |      | 50,532    |   |         |   | 50,476 |   |
| Retained earnings                                                                                                                                                                               |   |      | 65,096    |   |         |   | 63,617 |   |
| Accumulated other comprehensive income                                                                                                                                                          |   |      | 4,191     |   |         |   | 3,864 |   |
| Total shareholders’ equity                                                                                                                                                                |   |      | 149,181   |   |         |   | 147,227 |   |
| Total liabilities and shareholders’ equity                                                                                                                                                |   | $         | 2,148,242 |   |         | $      | 2,171,562 |   |

----

Unaudited Consolidated Statements of Income

|                                                                                      |   | Three Months Ended |   |
|-------------------------------------------------------------------------------------------|--------|--------------------|--------|
|                                                                                      |   | March 31,          |   |
| (In thousands, except per share data)                                                     |   | 2010               |   |   | 2009 |   |
| Interest Income                                                                           |   |               |   |   |   |   |
| Interest and fees on loans                                                                |   | $                  | 17,742 |   |   | $ | 19,948 |   |
| Interest on investment securities:                                                        |   |               |   |   |   |   |   |   |
| Taxable                                                                                   |   |               | 4,699  |   |   |   | 5,483 |   |
| Nontaxable                                                                                |   |               | 857    |   |   |   | 819 |   |
| Interest on deposits in other banks                                                       |   |               | 82     |   |   |   | 73 |   |
| Interest of federal funds sold and securities purchased under agreements to resell        |   |               | 2      |   |   |   | 6 |   |
| Total interest income                                                                     |   |               | 23,382 |   |   |   | 26,329 |   |
| Interest Expense                                                                          |   |               |   |   |   |   |   |   |
| Interest on deposits                                                                      |   |               | 6,702  |   |   |   | 8,580 |   |
| Interest on federal funds purchased and other short-term borrowings                       |   |               | 92     |   |   |   | 116 |   |
| Interest on securities sold under agreements to repurchase and other long-term borrowings |   |               | 2,637  |   |   |   | 2,815 |   |
| Interest on subordinated notes payable to unconsolidated trusts                           |   |               | 501    |   |   |   | 579 |   |
| Total interest expense                                                                    |   |               | 9,932  |   |   |   | 12,090 |   |
| Net interest income                                                                       |   |               | 13,450 |   |   |   | 14,239 |   |
| Provision for loan losses                                                                 |   |               | 1,926  |   |   |   | 1,676 |   |
| Net interest income after provision for loan losses                                       |   |               | 11,524 |   |   |   | 12,563 |   |
| Noninterest Income                                                                        |   |               |   |   |   |   |   |   |
| Service charges and fees on deposits                                                      |   |               | 2,144  |   |   |   | 2,186 |   |
| Allotment processing fees                                                                 |   |               | 1,368  |   |   |   | 1,272 |   |
| Other service charges, commissions, and fees                                              |   |               | 1,121  |   |   |   | 1,047 |   |
| Data processing income                                                                    |   |               | 347    |   |   |   | 289 |   |
| Trust income                                                                              |   |               | 428    |   |   |   | 435 |   |
| Investment securities gains, net                                                          |   |               | 1,612  |   |   |   | 754 |   |
| Gains on sale of mortgage loans, net                                                      |   |               | 121    |   |   |   | 346 |   |
| Income from company-owned life insurance                                                  |   |               | 293    |   |   |   | 325 |   |
| Other                                                                                     |   |               | 56     |   |   |   | 71 |   |
| Total noninterest income                                                                  |   |               | 7,490  |   |   |   | 6,725 |   |
| Noninterest Expense                                                                       |   |               |   |   |   |   |   |   |
| Salaries and employee benefits                                                            |   |               | 7,096  |   |   |   | 7,524 |   |
| Occupancy expenses, net                                                                   |   |               | 1,279  |   |   |   | 1,323 |   |
| Equipment expenses                                                                        |   |               | 661    |   |   |   | 755 |   |
| Data processing and communication expenses                                                |   |               | 1,443  |   |   |   | 1,446 |   |
| Bank franchise tax                                                                        |   |               | 617    |   |   |   | 557 |   |
| Deposit insurance expense                                                                 |   |               | 1,106  |   |   |   | 452 |   |
| Correspondent bank fees                                                                   |   |               | 193    |   |   |   | 303 |   |
| Amortization of intangibles                                                               |   |               | 359    |   |   |   | 488 |   |
| Other real estate expenses, net                                                           |   |               | 1,672  |   |   |   | 195 |   |
| Other                                                                                     |   |               | 2,071  |   |   |   | 2,069 |   |
| Total noninterest expense                                                                 |   |               | 16,497 |   |   |   | 15,112 |   |
| Income before income taxes                                                                |   |               | 2,517  |   |   |   | 4,176 |   |
| Income tax expense                                                                        |   |               | 572    |   |   |   | 871 |   |
| Net income                                                                                |   |               | 1,945  |   |   |   | 3,305 |   |
| Dividends and accretion on preferred shares                                               |   |               | (466   | ) |   |   | (414 | ) |
| Net income available to common shareholders                                               |   | $                  | 1,479  |   |   | $ | 2,891 |   |
| Per Common Share                                                                          |   |               |   |   |   |   |   |   |
| Net income, basic and diluted                                                             |   | $                  | .20    |   |   | $ | .39 |   |
| Cash dividends declared                                                                   |   |               | N/A    |   |   |   | .25 |   |
| Weighted Average Shares Common Outstanding                                                |   |               |   |   |   |   |   |   |
| Basic and diluted                                                                         |   |               | 7,379  |   |   |   | 7,357 |   |

----

Unaudited Consolidated Statements of Comprehensive Income

|                                                                                                                                          |   | Three Months Ended |   |
|-----------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------|--------|
|                                                                                                                                          |   | March 31,          |   |
| (In thousands)                                                                                                                                |   | 2010               |   |   | 2009 |   |
| Net Income                                                                                                                                    |   | $                  | 1,945  |   |   | $ | 3,305 |   |
| Other comprehensive income:                                                                                                                   |   |               |   |   |   |   |   |   |
| Net unrealized holding gain (loss) gain on available for sale securities arising during the period, net of tax of $602 and $415, respectively |   |               | 1,118  |   |   |   | (770 | ) |
|                                                                                                                                          |   |               |   |   |   |   |   |   |
| Reclassification adjustment for prior period unrealized gain recognized during current period, net of tax of $458 and $407, respectively      |   |               | (850   | ) |   |   | (755 | ) |
|                                                                                                                                          |   |               |   |   |   |   |   |   |
| Change in unfunded portion of postretirement benefit obligation, net of tax of $32 and $39, respectively                                      |   |               | 59     |   |   |   | 72 |   |
| Other comprehensive income (loss)                                                                                                             |   |               | 327    |   |   |   | (1,453 | ) |
| Comprehensive Income                                                                                                                          |   | $                  | 2,272  |   |   | $ | 1,852 |   |

----

Unaudited Consolidated Statements of Cash Flows

| Three months ended March 31, (In thousands)                                           |   | 2010   |         |    | 2009   |   |
|---------------------------------------------------------------------------------------|--------|--------|--------------|---------|--------|--------|
| Cash Flows from Operating Activities                                                  |   |   |         |    |   |   |
| Net income                                                                            |   | $      | 1,945        |    |   | $      | 3,305 |   |
| Adjustments to reconcile net income to net cash provided by operating activities:     |   |   |         |    |   |   |   |   |
| Depreciation and amortization                                                         |   |   | 1,319        |    |   |   | 1,534 |   |
| Net amortization of investment security premiums and (discounts):                     |   |   |         |    |   |   |   |   |
| Available for sale                                                                    |   |   | 364          |    |   |   | (27 | ) |
| Held to maturity                                                                      |   |   |         |    |   |   | (1 | ) |
| Provision for loan losses                                                             |   |   | 1,926        |    |   |   | 1,676 |   |
| Noncash compensation expense                                                          |   |   | 15           |    |   |   | 13 |   |
| Mortgage loans originated for sale                                                    |   |   | (5,473       | )       |   |   | (12,245 | ) |
| Proceeds from sale of mortgage loans                                                  |   |   | 6,417        |    |   |   | 13,289 |   |
| Deferred income tax expense                                                           |   |   | 1,724        |    |   |   | 1,706 |   |
| Gain on sale of mortgage loans, net                                                   |   |   | (121         | )       |   |   | (346 | ) |
| Gain on disposal of premises and equipment, net                                       |   |   | (24          | )       |   |   | (5 | ) |
| Loss on sale of repossessed assets                                                    |   |   | 1,388        |    |   |   | 18 |   |
| Gain on sale of available for sale investment securities, net                         |   |   | (1,612       | )       |   |   | (754 | ) |
| Decrease in accrued interest receivable                                               |   |   | 463          |    |   |   | 803 |   |
| Income from company-owned life insurance                                              |   |   | (279         | )       |   |   | (304 | ) |
| Increase in other assets                                                              |   |   | (854         | )       |   |   | (606 | ) |
| Decrease in accrued interest payable                                                  |   |   | (401         | )       |   |   | (170 | ) |
| (Decrease) increase in other liabilities                                              |   |   | (1,256       | )  |   |   | 7,402 |   |
| Net cash provided by operating activities                                             |   |   | 5,541        |    |   |   | 15,288 |   |
| Cash Flows from Investing Activities                                                  |   |   |         |    |   |   |   |   |
| Proceeds from maturities and calls of investment securities:                          |   |   |         |    |   |   |   |   |
| Available for sale                                                                    |   |   | 53,375       |    |   |   | 41,164 |   |
| Held to maturity                                                                      |   |   |         |    |   |   | 250 |   |
| Proceeds from sale of available for sale investment securities                        |   |   | 62,212       |    |   |   | 56,395 |   |
| Purchase of available for sale investment securities                                  |   |   | (124,136     | )       |   |   | (103,815 | ) |
| Purchase of restricted stock investments                                              |   |   | (331         | )       |   |   | (88 | ) |
| Loans originated for investment, net of principal collected                           |   |   | 10,242       |    |   |   | (8,923 | ) |
| Proceeds from surrender of company-owned life insurance                               |   |   | 8,567        |    |   |   |   |   |
| Purchase of premises and equipment                                                    |   |   | (413         | )       |   |   | (740 | ) |
| Proceeds from sale of repossessed assets                                              |   |   | 6,761        |    |   |   | 6,348 |   |
| Proceeds from sale of equipment                                                       |   |   | 24           |    |   |   | 5 |   |
| Net cash provided by (used in) investing activities                                   |   |   | 16,301       |    |   |   | (9,404 | ) |
| Cash Flows from Financing Activities                                                  |   |   |         |    |   |   |   |   |
| Net (decrease) increase in deposits                                                   |   |   | (8,997       | )       |   |   | 8,475 |   |
| Net decrease in federal funds purchased and other short-term borrowings               |   |   | (8,618       | )       |   |   | (5,765 | ) |
| Repayments of securities sold under agreements to repurchase and other long-term debt |   |   | (5,175       | )       |   |   | (181 | ) |
| Proceeds from issuance of preferred stock, net of issue costs                         |   |   |         |    |   |   | 29,961 |   |
| Dividends paid, common and preferred                                                  |   |   | (1,112       | )       |   |   | (2,577 | ) |
| Shares issued under Employee Stock Purchase Plan                                      |   |   | 42           |    |   |   | 66 |   |
| Net cash (used in)  provided by financing activities                        |   |   | (23,860      | )       |   |   | 29,979 |   |
| Net (decrease) increase in cash and cash equivalents                                  |   |   | (2,018       | )       |   |   | 35,863 |   |
| Cash and cash equivalents at beginning of year                                        |   |   | 218,336      |    |   |   | 190,775 |   |
| Cash and cash equivalents at end of period                                            |   | $      | 216,318      |    |   | $      | 226,638 |   |
| Supplemental Disclosures                                                              |   |   |         |    |   |   |   |   |
| Cash paid during the period for:                                                      |   |   |         |    |   |   |   |   |
| Interest                                                                              |   | $      |  10,333 |    |   | $      | 12,260 |   |
| Income taxes                                                                          |   |   | 89           |    |   |   |   |   |
| Transfers from loans to other real estate                                             |   |   | 3,803        |    |   |   | 1,085 |   |
| Cash dividends payable, common and preferred                                          |   |   | 188          |    |   |   | 2,027 |   |

----

Unaudited Consolidated Statements of Changes in Shareholders’ Equity

| (Dollars in thousands, except per share data)                           |   |      |   |   |         |   |   |    |   |   |     | Accumulated |   |          |   |   |
|-------------------------------------------------------------------------|--------|-----------|--------|--------|--------------|--------|--------|---------|--------|--------|----------|-------------|--------|---------------|--------|--------|
|                                                                    |   |      |   |   |         |   |   |    |   |   |     |        |   | Other         |   |   | Total |   |
| Three months ended                                                      |   | Preferred |   |   | Common Stock |   |   | Capital |   |   | Retained |        |   | Comprehensive |   |   | Shareholders’ |   |
| March 31, 2010 and 2009                                                 |   | Stock     |   |   | Shares       |   |   | Amount  |   |   | Surplus  |        |   | Earnings      |   |   | Income |   |   | Equity |   |
| Balance at January 1, 2010                                              |   | $         | 28,348 |   |         |   | 7,379  |    |   | $      | 922      |        |   | $             | 50,476 |   |   | $ | 63,617 |   |   | $ | 3,864 |   |   | $ | 147,227 |   |
| Net income                                                              |   |      |   |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   | 1,945 |   |   |   |   |   |   |   | 1,945 |   |
| Other comprehensive income                                              |   |      |   |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   |   |   |   |   | 327 |   |   |   | 327 |   |
| Preferred stock dividends                                               |   |      |   |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   | (375 | ) |   |   |   |   |   |   | (375 | ) |
| Preferred stock discount accretion                                      |   |      | 91     |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   | (91 | ) |   |   |   |   |   |   |   |   |
| Shares issued pursuant to Employee Stock Purchase Plan                  |   |      |   |   |         |   | 5      |    |   |   | 1        |        |   |          | 41     |   |   |   |   |   |   |   |   |   |   |   | 42 |   |
| Noncash compensation expense attributed to Employee Stock Purchase Plan |   |      |   |   |         |   |   |    |   |   |     |        |   |          | 15     |   |   |   |   |   |   |   |   |   |   |   | 15 |   |
| Balance at March 31, 2010                                               |   | $         | 28,439 |   |         |   | 7,384  |    |   | $      | 923      |        |   | $             | 50,532 |   |   | $ | 65,096 |   |   | $ | 4,191 |   |   | $ | 149,181 |   |
|                                                                    |   |      |   |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                    |   |      |   |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                    |   |      |   |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance at January 1, 2009                                              |   |      |   |   |         |   | 7,357  |    |   | $      | 920      |        |   | $             | 48,222 |   |   | $ | 116,419 |   |   | $ | 2,735 |   |   | $ | 168,296 |   |
| Issuance of 30,000 shares of Series A preferred stock                   |   | $         | 28,009 |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   |   |   |   |   |   |   |   |   | 28,009 |   |
| Issuance of common stock warrant                                        |   |      |   |   |         |   |   |    |   |   |     |        |   |          | 1,952  |   |   |   |   |   |   |   |   |   |   |   | 1,952 |   |
| Net income                                                              |   |      |   |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   | 3,305 |   |   |   |   |   |   |   | 3,305 |   |
| Other comprehensive loss                                                |   |      |   |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   |   |   |   |   | (1,453 | ) |   |   | (1,453 | ) |
| Cash dividends declared-common, $.25 per share                          |   |      |   |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   | (1,839 | ) |   |   |   |   |   |   | (1,839 | ) |
| Preferred stock dividends                                               |   |      |   |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   | (337 | ) |   |   |   |   |   |   | (337 | ) |
| Preferred stock discount accretion                                      |   |      | 77     |   |         |   |   |    |   |   |     |        |   |          |   |   |   |   | (77 | ) |   |   |   |   |   |   |   |   |
| Shares issued pursuant to Employee Stock Purchase Plan                  |   |      |   |   |         |   | 6      |    |   |   |     |        |   |          | 66     |   |   |   |   |   |   |   |   |   |   |   | 66 |   |
| Noncash compensation expense attributed to Employee Stock Purchase Plan |   |      |   |   |         |   |   |    |   |   |     |        |   |          | 13     |   |   |   |   |   |   |   |   |   |   |   | 13 |   |
| Balance at March 31, 2009                                               |   | $         | 28,086 |   |         |   | 7,363  |    |   | $      | 920      |        |   | $             | 50,253 |   |   | $ | 117,471 |   |   | $ | 1,282 |   |   | $ | 198,012 |   |

----

Notes to Unaudited Consolidated Financial Statements

| 1. | Basis of Presentation and Nature of Operations |
|----|------------------------------------------------|

----

| 2. | Reclassifications |
|----|-------------------|

| 3. | Recently Issued But Not Yet Effective Accounting Standards |
|----|------------------------------------------------------------|

|   | · | A reporting entity to disclose separately the amounts of significant transfers in and out of Level 1 and Level 2 fair value measurements and describe the reasons for the transfers; and |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | In the reconciliation for fair value measurements using significant unobservable inputs, a reporting entity should present separately information about purchases, sales, issuances, and settlements. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| In addition, the guidance clarifies the requirements of the following existing disclosures: |
|---------------------------------------------------------------------------------------------|

|   | · | For purposes of reporting fair value measurement for each class of assets and liabilities, a reporting entity needs to use judgment in determining the appropriate classes of assets and liabilities; and |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | A reporting entity should provide disclosures about the valuation techniques and inputs used to measure fair value for both recurring and nonrecurring fair value measurements. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4. | Adoption of New Accounting Standards |
|----|--------------------------------------|

----

|                                                            |   | Three Months EndedMarch 31, |   |
|-----------------------------------------------------------------|--------|-----------------------------|--------|
| (In thousands, except per share data)                           |   | 2010                        |   |   | 2009 |   |
|                                                            |   |                        |   |   |   |   |
| Net income, basic and diluted                                   |   | $                           | 1,945  |   |   | $ | 3,305 |   |
| Preferred stock dividends and discount accretion                |   |                        | (466   | ) |   |   | (414 | ) |
| Net income available to common shareholders, basic and diluted  |   | $                           | 1,479  |   |   | $ | 2,891 |   |
|                                                            |   |                        |   |   |   |   |   |   |
|                                                            |   |                        |   |   |   |   |   |   |
| Average common shares issued and outstanding, basic and diluted |   |                        | 7,379  |   |   |   | 7,357 |   |
|                                                            |   |                        |   |   |   |   |   |   |
| Net income per common share, basic and diluted                  |   | $                           | .20    |   |   | $ | .39 |   |
|                                                            |   |                        |   |   |   |   |   |   |

|   | Level 1: | Quoted prices for identical assets or liabilities in active markets that the entity has the ability to access at the measurement date. |
|--------|----------|----------------------------------------------------------------------------------------------------------------------------------------|

----

|   | Level 2: | Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. |
|--------|----------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Level 3: | Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing the asset or liability. |
|--------|----------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | U.S. Treasury securities are priced using dealer quotes from active market makers and real-time trading systems. |
|--------|--------|------------------------------------------------------------------------------------------------------------------|

|   | · | Marketable equity securities are priced utilizing real-time data feeds from active market exchanges for identical securities. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------|

|   | · | Government-sponsored agency debt securities, obligations of states and political subdivisions, corporate bonds, and other similar investment securities are priced with available market information through processes using benchmark yields, matrix pricing, prepayment speeds, cash flows, live trading data, and market spreads sourced from new issues, dealer quotes, and trade prices, among others sources. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|                                                                     |   |       |    |   | Fair Value Measurements Using                                 |   |
|--------------------------------------------------------------------------|--------|------------|---------|--------|---------------------------------------------------------------|--------|
| (In thousands)   Available For Sale Investment Securities |   | Fair Value |    |   | Quoted Prices in Active Markets for Identical Assets(Level 1) |   |   | Significant Other Observable Inputs(Level 2) |   |   | Significant Unobservable Inputs(Level 3) |   |
|                                                                     |   |       |    |   |                                                          |   |   |   |   |   |   |   |
| March 31, 2010                                                           |   |       |    |   |                                                          |   |   |   |   |   |   |   |
| U.S. Treasury securities                                                 |   | $          | 3,064   |   |                                                          | $      | 3,064 |   |   |   |   |   |   |   |
| Obligations of U.S. government-sponsored entities                        |   |       | 116,164 |   |                                                          |   |   |   |   | $ | 116,164 |   |   |   |   |
| Obligations of states and political subdivisions                         |   |       | 95,152  |   |                                                          |   |   |   |   |   | 95,152 |   |   |   |   |
| Mortgage-backed securities – residential                           |   |       | 323,555 |   |                                                          |   |   |   |   |   | 323,555 |   |   |   |   |
| Money market mutual funds                                                |   |       | 499     |   |                                                          |   | 499 |   |   |   |   |   |   |   |   |
| Corporate debt securities                                                |   |       | 19,649  |   |                                                          |   |   |   |   |   | 19,649 |   |   |   |   |
|      Total                                      |   | $          | 558,083 |   |                                                          | $      | 3,563 |   |   | $ | 554,520 |   |   | $ | 0 |   |
|                                                                     |   |       |    |   |                                                          |   |   |   |   |   |   |   |   |   |   |   |
| December 31, 2009                                                        |   |       |    |   |                                                          |   |   |   |   |   |   |   |   |   |   |   |
| U.S. Treasury securities                                                 |   | $          | 3,002   |   |                                                          | $      | 3,002 |   |   |   |   |   |   |   |   |   |
| Obligations of U.S. government-sponsored entities                        |   |       | 90,752  |   |                                                          |   |   |   |   | $ | 90,752 |   |   |   |   |   |
| Obligations of states and political subdivisions                         |   |       | 108,958 |   |                                                          |   |   |   |   |   | 108,958 |   |   |   |   |   |
| Mortgage-backed securities – residential                           |   |       | 325,519 |   |                                                          |   |   |   |   |   | 325,519 |   |   |   |   |   |
| Money market mutual funds                                                |   |       | 910     |   |                                                          |   | 910 |   |   |   |   |   |   |   |   |   |
| Corporate debt securities                                                |   |       | 18,732  |   |                                                          |   |   |   |   |   | 18,732 |   |   |   |   |   |
|      Total                                      |   | $          | 547,873 |   |                                                          | $      | 3,912 |   |   | $ | 543,961 |   |   | $ | 0 |   |

----

|                                                           |   |       |   | Fair Value Measurements Using                                 |                                         |
|----------------------------------------------------------------|--------|------------|--------|---------------------------------------------------------------|----------------------------------------------|
| (In thousands)  Description                          |   | Fair Value |   | Quoted Prices in Active Markets for Identical Assets(Level 1) | Significant Other Observable Inputs(Level 2) |   | Significant Unobservable Inputs(Level 3) |   |
| March 31, 2010                                                 |   |       |   |                                                          |                                         |   |   |   |
| Impaired Loans                                                 |   |       |   |                                                          |                                         |   |   |   |
| Real estate-construction                                       |   | $          | 1,496  |                                                          |                                         |   |   | $ | 1,496 |   |
| Real estate mortgage-residential                               |   |       | 5,581  |                                                          |                                         |   |   |   | 5,581 |   |
| Real estate mortgage-farmland and other commercial enterprises |   |       | 8,857  |                                                          |                                         |   |   |   | 8,857 |   |
| Other                                                          |   |       | 90     |                                                          |                                         |   |   |   | 90 |   |
| Total Impaired Loans                                           |   | $          | 16,024 |                                                          |                                         |   |   | $ | 16,024 |   |
|                                                           |   |       |   |                                                          |                                         |   |   |   |   |   |
| OREO                                                           |   |       | 4,955  |                                                          |                                         |   |   |   | 4,955 |   |
| Total                                                          |   | $          | 20,979 |                                                          |                                         |   |   | $ | 20,979 |   |
|                                                           |   |       |   |                                                          |                                         |   |   |   |   |   |
| December 31, 2009                                              |   |       |   |                                                          |                                         |   |   |   |   |   |
| Impaired Loans                                                 |   | $          | 54,961 |                                                          |                                         |   |   | $ | 54,961 |   |
| OREO                                                           |   |       | 11,140 |                                                          |                                         |   |   |   | 11,140 |   |
| Total                                                          |   | $          | 66,101 |                                                          |                                         |   |   | $ | 66,101 |   |

| (In thousands)      |   |           |   |   |           |   |
|---------------------|--------|----------------|--------|--------|----------------|--------|
| Three months ended  |   | March 31, 2010 |   |   | March 31, 2009 |   |
| Impairment charges: |   |           |   |   |           |   |
| Impaired Loans      |   | $              | 810    |   |           | $      | 317 |   |
| OREO                |   |           | 943    |   |           |   | 91 |   |
| Total               |   | $              | 1,753  |   |           | $      | 408 |   |

----

----

|                                                                          |   |           |      |   |              |   |
|-------------------------------------------------------------------------------|--------|----------------|-----------|--------|-------------------|--------|
|                                                                          |   | March 31, 2010 |      |   | December 31, 2009 |   |
|                                                                          |   | Carrying       |      |   | Fair              |   |   | Carrying |   |   | Fair |   |
| (In thousands)                                                                |   | Amount         |      |   | Value             |   |   | Amount |   |   | Value |   |
| Assets                                                                        |   |           |      |   |              |   |   |   |   |   |   |   |
| Cash and cash equivalents                                                     |   | $              | 216,318   |   |              | $      | 216,318 |   |   | $ | 218,336 |   |   | $ | 218,336 |   |
| Investment securities:                                                        |   |           |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Available for sale                                                            |   |           | 558,083   |   |              |   | 558,083 |   |   |   | 547,873 |   |   |   | 547,873 |   |
| FHLB and similar stock                                                        |   |           | 9,479     |   |              |   | N/A |   |   |   | 9,148 |   |   |   | N/A |   |
| Held to maturity                                                              |   |           | 975       |   |              |   | 933 |   |   |   | 975 |   |   |   | 922 |   |
| Loans, net                                                                    |   |           | 1,231,784 |   |              |   | 1,225,966 |   |   |   | 1,248,578 |   |   |   | 1,246,151 |   |
| Accrued interest receivable                                                   |   |           | 8,918     |   |              |   | 8,918 |   |   |   | 9,381 |   |   |   | 9,381 |   |
|                                                                          |   |           |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities                                                                   |   |           |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                                      |   |           | 1,624,436 |   |              |   | 1,631,884 |   |   |   | 1,633,433 |   |   |   | 1,640,933 |   |
| Federal funds purchased and other short-term borrowings                       |   |           | 38,597    |   |              |   | 38,597 |   |   |   | 47,215 |   |   |   | 47,215 |   |
| Securities sold under agreements to repurchase and other long-term borrowings |   |           | 262,787   |   |              |   | 279,827 |   |   |   | 267,962 |   |   |   | 285,093 |   |
| Subordinated notes payable to unconsolidated trusts                           |   |           | 48,970    |   |              |   | 28,492 |   |   |   | 48,970 |   |   |   | 28,528 |   |
| Accrued interest payable                                                      |   |           | 4,284     |   |              |   | 4,284 |   |   |   | 4,685 |   |   |   | 4,685 |   |

|                                              |   |      |      |   |             |   |   |              |   |   |       |   |
|---------------------------------------------------|--------|-----------|-----------|--------|------------------|--------|--------|-------------------|--------|--------|------------|--------|
|                                              |   | Amortized |      |   | Gross            |   |   | Gross             |   |   | Estimated  |   |
| March 31, 2010 (In thousands)                     |   | Cost      |      |   | Unrealized Gains |   |   | Unrealized Losses |   |   | Fair Value |   |
| Available For Sale                                |   |      |      |   |             |   |   |              |   |   |       |   |
| Obligations of U.S. government-sponsored entities |   | $         | 116,261   |   |             | $      | 191    |              |   | $      |  288  |   |   | $ | 116,164 |   |
| Obligations of states and political subdivisions  |   |      | 93,710    |   |             |   | 1,967  |              |   |   | 525        |   |   |   | 95,152 |   |
| Mortgage-backed securities – residential    |   |      | 313,621   |   |             |   | 10,443 |              |   |   | 509        |   |   |   | 323,555 |   |
| U.S. Treasury securities                          |   |      | 3,060     |   |             |   | 4      |              |   |   |       |   |   |   | 3,064 |   |
| Money market mutual funds                         |   |      | 499       |   |             |   |   |              |   |   |       |   |   |   | 499 |   |
| Corporate debt securities                         |   |      | 20,518    |   |             |   | 274    |              |   |   | 1,143      |   |   |   | 19,649 |   |
| Total securities – available for sale       |   | $         | 547,669   |   |             | $      | 12,879 |              |   | $      | 2,465      |   |   | $ | 558,083 |   |
| Held To Maturity                                  |   |      |      |   |             |   |   |              |   |   |       |   |   |   |   |   |
| Obligations of states and political subdivisions  |   | $         |  975 |   |             | $      | 0      |              |   | $      |  42   |   |   | $ |  933 |   |

----

|                                              |   |      |    |   |             |   |   |              |   |   |       |   |
|---------------------------------------------------|--------|-----------|---------|--------|------------------|--------|--------|-------------------|--------|--------|------------|--------|
|                                              |   | Amortized |    |   | Gross            |   |   | Gross             |   |   | Estimated  |   |
| December 31, 2009 (In thousands)                  |   | Cost      |    |   | Unrealized Gains |   |   | Unrealized Losses |   |   | Fair Value |   |
| Available For Sale                                |   |      |    |   |             |   |   |              |   |   |       |   |
| Obligations of U.S. government-sponsored entities |   | $         | 90,889  |   |             | $      | 162    |              |   | $      | 299        |   |   | $ | 90,752 |   |
| Obligations of states and political subdivisions  |   |      | 107,190 |   |             |   | 2,423  |              |   |   | 655        |   |   |   | 108,958 |   |
| Mortgage-backed securities – residential    |   |      | 315,546 |   |             |   | 10,446 |              |   |   | 473        |   |   |   | 325,519 |   |
| U.S. Treasury securities                          |   |      | 2,997   |   |             |   | 5      |              |   |   |       |   |   |   | 3,002 |   |
| Money market mutual funds                         |   |      | 910     |   |             |   |   |              |   |   |       |   |   |   | 910 |   |
| Corporate debt securities                         |   |      | 20,341  |   |             |   | 195    |              |   |   | 1,804      |   |   |   | 18,732 |   |
| Total securities – available for sale       |   | $         | 537,873 |   |             | $      | 13,231 |              |   | $      | 3,231      |   |   | $ | 547,873 |   |
| Held To Maturity                                  |   |      |    |   |             |   |   |              |   |   |       |   |   |   |   |   |
| Obligations of states and political subdivisions  |   | $         | 975     |   |             | $      | 0      |              |   | $      | 53         |   |   | $ | 922 |   |

|                                   |   |               |    |   |             |   |
|----------------------------------------|--------|--------------------|---------|--------|------------------|--------|
|                                   |   | Available For Sale |    |   | Held To Maturity |   |
|                                   |   | Amortized          |    |   | Estimated        |   |   | Amortized |   |   | Estimated |   |
| March 31, 2010 (In thousands)          |   | Cost               |    |   | Fair Value       |   |   | Cost |   |   | Fair Value |   |
| Due in one year or less                |   | $                  | 19,609  |   |             | $      | 19,708 |   |   |   |   |   |   |   |
| Due after one year through five years  |   |               | 91,284  |   |             |   | 91,986 |   |   |   |   |   |   |   |
| Due after five years through ten years |   |               | 59,076  |   |             |   | 59,320 |   |   |   |   |   |   |   |
| Due after ten years                    |   |               | 64,079  |   |             |   | 63,514 |   |   | $ | 975 |   |   | $ | 933 |   |
| Mortgage-backed securities-residential |   |               | 313,621 |   |             |   | 323,555 |   |   |   |   |   |   |   |   |   |
| Total                                  |   | $                  | 547,669 |   |             | $      | 558,083 |   |   | $ | 975 |   |   | $ | 933 |   |

|                                                                      |   | Three Months Ended |   |
|---------------------------------------------------------------------------|--------|--------------------|--------|
|                                                                      |   | March 31,          |   |
| (In thousands)                                                            |   | 2010               |   |   | 2009 |   |
|                                                                      |   |               |   |   |   |   |
| Gross realized gains                                                      |   | $                  | 1,612  |   |   | $ | 773 |   |
| Gross realized losses                                                     |   |               |   |   |   |   | 19 |   |
| Net realized gains                                                        |   | $                  | 1,612  |   |   | $ | 754 |   |
|                                                                      |   |               |   |   |   |   |   |   |
| Proceeds from sales and calls of available for sale investment securities |   | $                  | 96,281 |   |   | $ | 86,265 |   |

----

|                                              |   |                |    |   |              |   |   |       |   |
|---------------------------------------------------|--------|---------------------|---------|--------|-------------------|--------|--------|------------|--------|
|                                              |   | Less than 12 Months |    |   | 12 Months or More |   |   | Total      |   |
|  March 31, 2010 (In thousands)               |   | Fair Value          |    |   | UnrealizedLosses  |   |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |
| Obligations of U.S. government-sponsored entities |   | $                   | 52,625  |   |              | $      | 288    |       |   |   |   |   |   |   |   | $ | 52,625 |   |   | $ | 288 |   |
| Obligations of states and political subdivisions  |   |                | 19,888  |   |              |   | 406    |       |   | $ | 4,741 |   |   | $ | 161 |   |   |   | 24,629 |   |   |   | 567 |   |
| Mortgage-backed securities – residential    |   |                | 72,016  |   |              |   | 509    |       |   |   |   |   |   |   |   |   |   |   | 72,016 |   |   |   | 509 |   |
| Corporate debt securities                         |   |                |    |   |              |   |   |       |   |   | 11,860 |   |   |   | 1,143 |   |   |   | 11,860 |   |   |   | 1,143 |   |
| Total                                             |   | $                   | 144,529 |   |              | $      | 1,203  |       |   | $ | 16,601 |   |   | $ | 1,304 |   |   | $ | 161,130 |   |   | $ | 2,507 |   |

|                                              |   |                |    |   |              |   |   |       |   |
|---------------------------------------------------|--------|---------------------|---------|--------|-------------------|--------|--------|------------|--------|
|                                              |   | Less than 12 Months |    |   | 12 Months or More |   |   | Total      |   |
|  December 31, 2009 (In thousands)            |   | Fair Value          |    |   | UnrealizedLosses  |   |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |
| Obligations of U.S. government-sponsored entities |   | $                   | 39,445  |   |              | $      | 299    |       |   |   |   |   |   |   |   | $ | 39,445 |   |   | $ | 299 |   |
| Obligations of states and political subdivisions  |   |                | 22,795  |   |              |   | 552    |       |   | $ | 3,605 |   |   | $ | 156 |   |   |   | 26,400 |   |   |   | 708 |   |
| Mortgage-backed securities – residential    |   |                | 41,120  |   |              |   | 473    |       |   |   |   |   |   |   |   |   |   |   | 41,120 |   |   |   | 473 |   |
| Corporate debt securities                         |   |                |    |   |              |   |   |       |   |   | 11,710 |   |   |   | 1,804 |   |   |   | 11,710 |   |   |   | 1,804 |   |
| Total                                             |   | $                   | 103,360 |   |              | $      | 1,324  |       |   | $ | 15,315 |   |   | $ | 1,960 |   |   | $ | 118,675 |   |   | $ | 3,284 |   |

----

| 8. | Loans |
|----|-------|

|                                                             |   | March 31, 2010 |      |   | December 31, 2009 |   |
|------------------------------------------------------------------|--------|----------------|-----------|--------|------------------------|--------|
| (Dollars in thousands)                                           |   | Amount         |      |   | Amount                 |   |
|                                                             |   |           |      |   |                   |   |
| Commercial, financial, and agriculture                           |   | $              | 110,021   |   |                   | $      | 114,687 |   |
| Real estate – construction                                 |   |           | 201,194   |   |                   |   | 211,725 |   |
| Real estate mortgage – residential                         |   |           | 470,384   |   |                   |   | 473,644 |   |
| Real estate mortgage - farmland and other commercial enterprises |   |           | 416,812   |   |                   |   | 411,309 |   |
| Installment                                                      |   |           | 34,628    |   |                   |   | 36,280 |   |
| Lease financing                                                  |   |           | 22,439    |   |                   |   | 24,297 |   |
| Total                                                       |   | $              | 1,255,478 |   |                   | $      | 1,271,942 |   |

| (Dollars in thousands)     |   | March 31, 2010 |   |   | March 31, 2009 |   |
|----------------------------|--------|---------------------|--------|--------|---------------------|--------|
|                       |   |                |   |   |                |   |
| Balance, beginning of year |   | $                   | 23,364 |   |                | $      | 16,828 |   |
| Provision for loan losses  |   |                | 1,926  |   |                |   | 1,676 |   |
| Recoveries                 |   |                | 159    |   |                |   | 123 |   |
| Loans charged off          |   |                | (1,755 | )      |                |   | (850 | ) |
| Balance, end of period     |   | $                   | 23,694 |   |                | $      | 17,777 |   |

| (Dollars in thousands)                                     |   | March 31, 2010 |        |   | December 31, 2009 |   |
|------------------------------------------------------------|--------|---------------------|-------------|--------|------------------------|--------|
|                                                       |   |                |        |   |                   |   |
| Impaired loans with no allocated allowance for loan losses |   | $                   | 52,412      |   |                   | $      | 47,746 |   |
| Impaired loans with allocated allowance for loan losses    |   |                | 79,003      |   |                   |   | 60,723 |   |
| Total impaired loans                                       |   | $                   | 131,415     |   |                   | $      | 108,469 |   |
|                                                       |   |                |        |   |                   |   |   |   |
| Allowance for loan losses related to impaired loans        |   | $                   |  7,221 |   |                   | $      | 7,374 |   |
| Average impaired loans                                     |   |                | 131,282     |   |                   |   | 70,845 |   |
|                                                       |   |                |        |   |                   |   |   |   |
| Nonaccrual loans                                           |   | $                   | 64,011      |   |                   | $      |  56,630 |   |
| Restructured loans                                         |   |                | 42,325      |   |                   |   | 17,911 |   |
| Loans past due 90 days or more and still accruing          |   |                | 1,554       |   |                   |   | 1,807 |   |
| Total nonperforming loans                                  |   | $                   | 107,890     |   |                   | $      | 76,348 |   |

----

| 9. | Regulatory Matters |
|----|--------------------|

|                                      |   | March 31, 2010      |   |   | December 31, 2009 |   |
|-------------------------------------------|--------|---------------------|--------|--------|-------------------|--------|
|                                      |   | Tier 1 Capital |   |   | TotalCapital      |   |   | Tier 1Leverage |   |   | Tier 1 Capital |   |   | TotalCapital |   |   | Tier 1Leverage |   |
| Consolidated                              |   |                | 14.25  | %      |              |   | 15.51 | % |   |   | 8.56 | % |   |   | 13.95 | % |   |   | 15.20 | % |   |   | 8.15 | % |
| Farmers Bank & Capital Trust Company  |   |                | 14.17  |   |              |   | 15.44 |   |   |   | 8.19 |   |   |   | 14.40 |   |   |   | 15.66 |   |   |   | 7.68 |   |
| United Bank & Trust Company           |   |                | 12.53  |   |              |   | 13.79 |   |   |   | 7.49 |   |   |   | 12.49 |   |   |   | 13.75 |   |   |   | 7.35 |   |
| The Lawrenceburg Bank & Trust Company |   |                | 11.61  |   |              |   | 12.87 |   |   |   | 6.08 |   |   |   | 10.24 |   |   |   | 11.50 |   |   |   | 5.46 |   |
| First Citizens Bank                       |   |                | 12.22  |   |              |   | 12.96 |   |   |   | 8.26 |   |   |   | 12.02 |   |   |   | 13.75 |   |   |   | 7.96 |   |
| Citizens Bank of Northern Kentucky, Inc.  |   |                | 10.13  |   |              |   | 11.39 |   |   |   | 6.81 |   |   |   | 9.70 |   |   |   | 10.95 |   |   |   | 6.23 |   |

----

----

Item 2.  Management’s Discussion and Analysis of Financial Condition and Results of Operations

|   | § | The percentage decrease in per common share earnings is greater than the percentage decrease in net income due to an increase in dividends and accretion related to the preferred stock issued during the first quarter of 2009 and a slight increase in the number of common shares outstanding. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Net interest income decreased $789 thousand or 5.5%. Interest and fee income on loans declined $2.2 million or 11.1% partially offset by lower interest expense on deposits of $1.9 million or 21.9%. Net interest margin was 2.93% in the current quarter, a decrease of 10 basis points from 3.03% in the first quarter a year earlier; net interest spread was 2.76%, compared to 2.75%. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | The provision for loan losses increased $250 thousand or 14.9% compared to a year ago. |
|--------|--------|----------------------------------------------------------------------------------------|

|   | § | Noninterest income increased $765 thousand or 11.4% mainly due to a $858 thousand increase in net gains on the sale of investment securities partially offset by a $225 thousand decrease from net gains on the sale of loans. Allotment processing fees increased $96 thousand or 7.5%. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Noninterest expenses increased $1.4 million or 9.2%. Salary and benefit expenses decreased $428 thousand or 5.7%, but were offset by higher expenses associated with other real estate of $1.5 million and deposit insurance expense of $654 thousand. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | § | Income tax expense decreased $299 thousand or 34.3%. The effective income tax rate was 22.7% in the current period compared to 20.9% a year earlier. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Return on average assets (“ROA”) and equity (“ROE”) was .36% and 5.25%, respectively for the current quarter compared to .60% and 6.87% for the previous-year first quarter. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| Quarter Ended March 31,                                                                                                                 |   | 2010           |          |   | 2009           |   |
|-----------------------------------------------------------------------------------------------------------------------------------------|--------|----------------|---------------|--------|----------------|--------|
|  (In thousands)                                                                                                                    |   | AverageBalance |          |   |  Interest |   |   | AverageRate |   |   | AverageBalance |   |   |  Interest |   |   | AverageRate |   |
| Earning Assets                                                                                                                          |   |           |          |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Investment securities                                                                                                                   |   |           |          |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Taxable                                                                                                                                 |   | $              | 435,081       |   |           | $      | 4,699 |   |   |   | 4.38 | % |   | $ | 431,791 |   |   | $ | 5,483 |   |   |   | 5.15 | % |
| Nontaxable1                                                                                                                             |   |           | 94,999        |   |           |   | 1,252 |   |   |   | 5.34 |   |   |   | 87,853 |   |   |   | 1,188 |   |   |   | 5.48 |   |
| Interest bearing deposits in banks, federal funds sold and securities purchased under agreements to resell                              |   |           | 152,431       |   |           |   | 84 |   |   |   | .22 |   |   |   | 145,397 |   |   |   | 79 |   |   |   | .22 |   |
| Loans1,2,3                                                                                                                              |   |           | 1,264,314     |   |           |   | 17,975 |   |   |   | 5.77 |   |   |   | 1,315,584 |   |   |   | 20,142 |   |   |   | 6.21 |   |
| Total earning assets                                                                                                                    |   |           | 1,946,825     |   |           | $      | 24,010 |   |   |   | 5.00 | % |   |   | 1,980,625 |   |   | $ | 26,892 |   |   |   | 5.51 | % |
| Allowance for loan losses                                                                                                               |   |           | (23,709       | )      |           |   |   |   |   |   |   |   |   |   | (16,859 | ) |   |   |   |   |   |   |   |   |
| Total earning assets, net of allowance for loan losses                                                                                  |   |           | 1,923,116     |   |           |   |   |   |   |   |   |   |   |   | 1,963,766 |   |   |   |   |   |   |   |   |   |
| Nonearning Assets                                                                                                                       |   |           |          |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Cash and due from banks                                                                                                                 |   |           | 93,696        |   |           |   |   |   |   |   |   |   |   |   | 58,291 |   |   |   |   |   |   |   |   |   |
| Premises and equipment, net                                                                                                             |   |           | 38,815        |   |           |   |   |   |   |   |   |   |   |   | 42,905 |   |   |   |   |   |   |   |   |   |
| Other assets                                                                                                                            |   |           | 132,271       |   |           |   |   |   |   |   |   |   |   |   | 160,615 |   |   |   |   |   |   |   |   |   |
| Total assets                                                                                                                            |   | $              | 2,187,898     |   |           |   |   |   |   |   |   |   |   | $ | 2,225,577 |   |   |   |   |   |   |   |   |   |
| Interest Bearing Liabilities                                                                                                            |   |           |          |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                                                                                                |   |           |          |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest bearing demand                                                                                                                 |   | $              | 272,481       |   |           | $      | 144 |   |   |   | .21 | % |   | $ | 255,562 |   |   | $ | 198 |   |   |   | .31 | % |
| Savings                                                                                                                                 |   |           | 265,083       |   |           |   | 460 |   |   |   | .70 |   |   |   | 252,008 |   |   |   | 481 |   |   |   | .77 |   |
| Time                                                                                                                                    |   |           | 896,074       |   |           |   | 6,098 |   |   |   | 2.76 |   |   |   | 865,023 |   |   |   | 7,901 |   |   |   | 3.70 |   |
| Federal funds purchased and other short-term borrowings                                                                                 |   |           | 49,213        |   |           |   | 92 |   |   |   | .76 |   |   |   | 70,321 |   |   |   | 116 |   |   |   | .67 |   |
| Securities sold under agreements to     repurchase and other long-term     borrowings |   |           |  316,066 |   |           |   |  3,138 |   |   |   |  4.03 |   |   |   |  335,549 |   |   |   |  3,394 |   |   |   |  4.10 |   |
| Total interest bearing liabilities                                                                                                      |   |           | 1,798,917     |   |           | $      | 9,932 |   |   |   | 2.24 | % |   |   | 1,778,463 |   |   | $ | 12,090 |   |   |   | 2.76 | % |
| Noninterest Bearing Liabilities                                                                                                         |   |           |          |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commonwealth of Kentucky deposits                                                                                                       |   |           | 2,769         |   |           |   |   |   |   |   |   |   |   |   | 34,187 |   |   |   |   |   |   |   |   |   |
| Other demand deposits                                                                                                                   |   |           | 203,155       |   |           |   |   |   |   |   |   |   |   |   | 184,978 |   |   |   |   |   |   |   |   |   |
| Other liabilities                                                                                                                       |   |           | 32,910        |   |           |   |   |   |   |   |   |   |   |   | 32,795 |   |   |   |   |   |   |   |   |   |
| Total liabilities                                                                                                                       |   |           | 2,037,751     |   |           |   |   |   |   |   |   |   |   |   | 2,030,423 |   |   |   |   |   |   |   |   |   |
| Shareholders’ equity                                                                                                              |   |           | 150,147       |   |           |   |   |   |   |   |   |   |   |   | 195,154 |   |   |   |   |   |   |   |   |   |
| Total liabilities and shareholders’ equity                                                                                        |   | $              | 2,187,898     |   |           |   |   |   |   |   |   |   |   | $ | 2,225,577 |   |   |   |   |   |   |   |   |   |
| Net interest income                                                                                                                     |   |           |          |   |           |   | 14,078 |   |   |   |   |   |   |   |   |   |   |   | 14,802 |   |   |   |   |   |
| TE basis adjustment                                                                                                                     |   |           |          |   |           |   | (628 | ) |   |   |   |   |   |   |   |   |   |   | (563 | ) |   |   |   |   |
| Net interest income                                                                                                                     |   |           |          |   |           | $      | 13,450 |   |   |   |   |   |   |   |   |   |   | $ | 14,239 |   |   |   |   |   |
| Net interest spread                                                                                                                     |   |           |          |   |           |   |   |   |   |   | 2.76 | % |   |   |   |   |   |   |   |   |   |   | 2.75 | % |
| Impact of noninterest bearing sources of funds                                                                                          |   |           |          |   |           |   |   |   |   |   | .17 |   |   |   |   |   |   |   |   |   |   |   | .28 |   |
| Net interest margin                                                                                                                     |   |           |          |   |           |   |   |   |   |   | 2.93 | % |   |   |   |   |   |   |   |   |   |   | 3.03 | % |

----

| (In thousands)                                                                                             |   | Variance |      |          | Variance Attributed to |   |
|------------------------------------------------------------------------------------------------------------|--------|----------|-----------|---------------|------------------------|--------|
| Quarter Ended March 31,                                                                                    |   |     | 2010/2009 | 1             |                   | Volume |   |   | Rate |   |
|                                                                                                       |   |     |      |          |                   |   |   |   |   |   |
| Interest Income                                                                                            |   |     |      |          |                   |   |   |   |   |   |
| Taxable investment securities                                                                              |   | $        | (784      | )   |                   | $      | 284 |   |   | $ | (1,068 | )   |
| Nontaxable investment securities2                                                                          |   |     | 64        |          |                   |   | 236 |   |   |   | (172 | )   |
| Interest bearing deposits in banks, federal funds sold and securities purchased under agreements to resell |   |     | 5         |          |                   |   | 5 |   |   |   |   |   |
| Loans2                                                                                                     |   |     | (2,167    | )   |                   |   | (769 | )  |   |   | (1,398 | )   |
| Total interest income                                                                                      |   |     | (2,882    | )   |                   |   | (244 | )   |   |   | (2,638 | )   |
| Interest Expense                                                                                           |   |     |      |          |                   |   |   |   |   |   |   |   |
| Interest bearing demand deposits                                                                           |   |     | (54       | )   |                   |   | 77 |   |   |   | (131 | )   |
| Savings deposits                                                                                           |   |     | (21       | )   |                   |   | 121 |   |   |   | (142 | )   |
| Time deposits                                                                                              |   |     | (1,803    | )   |                   |   | 1,790 |   |   |   | (3,593 | )   |
| Federal funds purchased and other short-term borrowings                                                    |   |     | (24       | )   |                   |   | (104 | )   |   |   | 80 |   |
| Securities sold under agreements to repurchase and     other long-term borrowings |   |     | (256      | )        |                   |   | (198 | )   |   |   | (58 | )   |
| Total interest expense                                                                                     |   |     | (2,158    | )   |                   |   | 1,686 |   |   |   | (3,844 | )   |
| Net interest income                                                                                        |   | $        | (724      | )   |                   | $      | (1,930 | )   |   | $ | 1,206 |   |
| Percentage change                                                                                          |   |     | 100.0     | %             |                   |   | 266.6 | % |   |   | (166.6 | )% |

| 1The changes that are not solely due to rate or volume are allocated on a percentage basis using the absolute values of rate and volume variances as a basis for allocation. |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

----

----

|                                                             |   | March 31, 2010 |      |   | December 31, 2009 |   |
|------------------------------------------------------------------|--------|----------------|-----------|--------|-------------------|--------|
| (Dollars in thousands)                                           |   | Amount         |      |   | %                 |   |   | Amount |   |   | % |   |
|                                                             |   |           |      |   |              |   |   |   |   |   |   |   |
| Commercial, financial, and agriculture                           |   | $              | 110,021   |   |              |   | 8.8 | % |   | $ | 114,687 |   |   |   | 9.0 | % |
| Real estate – construction                                 |   |           | 201,194   |   |              |   | 16.0 |   |   |   | 211,725 |   |   |   | 16.7 |   |
| Real estate mortgage - residential                               |   |           | 470,384   |   |              |   | 37.4 |   |   |   | 473,644 |   |   |   | 37.2 |   |
| Real estate mortgage - farmland and other commercial enterprises |   |           | 416,812   |   |              |   | 33.2 |   |   |   | 411,309 |   |   |   | 32.3 |   |
| Installment                                                      |   |           | 34,628    |   |              |   | 2.8 |   |   |   | 36,280 |   |   |   | 2.9 |   |
| Lease financing                                                  |   |           | 22,439    |   |              |   | 1.8 |   |   |   | 24,297 |   |   |   | 1.9 |   |
| Total                                                            |   | $              | 1,255,478 |   |              |   | 100.0 | % |   | $ | 1,271,942 |   |   |   | 100.0 | % |

----

| (In thousands)                              |   | March 31, 2010 |    |   | December 31,2009 |   |   | Change |   |   | %      |   |
|---------------------------------------------|--------|---------------------|---------|--------|------------------|--------|--------|--------|--------|--------|--------|--------|
| Nonaccrual                                  |   | $                   | 64,011  |   |             | $      | 56,630 |   |   | $      | 7,381  |   |   |   | 13.0 | % |
| Restructured loans                          |   |                | 42,325  |   |             |   | 17,911 |   |   |   | 24,414 |   |   |   | 136.3 |   |
| Past due 90 days or more and still accruing |   |                | 1,554   |   |             |   | 1,807  |   |   |   | (253   | )      |   |   | (14.0 | )    |
| Total nonperforming loans                   |   | $                   | 107,890 |   |             | $      | 76,348 |   |   | $      | 31,542 |   |   |   | 41.3 | % |

----

|                |   | End of Period |      |   | Average          |   |
|---------------------|--------|---------------|-----------|--------|------------------|--------|
| (In thousands)      |   | March 31,2010 |      |   | December 31,2009 |   |   | Difference |   |   | (Three Months)March 31,2010 |   |   | (Twelve Months)December 31,2009 |   |   | Difference |   |
| Noninterest Bearing |   |          |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commonwealth        |   | $             | 335       |   |             | $      | 13,463 |   |   | $ | (13,128 | ) |   | $ | 2,769 |   |   | $ | 34,992 |   |   | $ | (32,223 | ) |
| Other               |   |          | 208,425   |   |             |   | 201,055 |   |   |   | 7,370 |   |   |   | 203,155 |   |   |   | 191,656 |   |   |   | 11,499 |   |
| Total               |   | $             | 208,760   |   |             | $      | 214,518 |   |   | $ | (5,758 | ) |   | $ | 205,924 |   |   | $ | 226,648 |   |   | $ | (20,724 | )  |
|                |   |          |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest Bearing    |   |          |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Demand              |   | $             | 265,073   |   |             | $      | 255,133 |   |   | $ | 9,940 |   |   | $ | 272,481 |   |   | $ | 247,235 |   |   | $ | 25,246 |   |
| Savings             |   |          | 272,237   |   |             |   | 258,804 |   |   |   | 13,433 |   |   |   | 265,083 |   |   |   | 256,063 |   |   |   | 9,020 |   |
| Time                |   |          | 878,366   |   |             |   | 904,978 |   |   |   | (26,612 | ) |   |   | 896,074 |   |   |   | 902,066 |   |   |   | (5,992 | ) |
| Total               |   | $             | 1,415,676 |   |             | $      | 1,418,915 |   |   | $ |  (3,239 | ) |   | $ | 1,433,638 |   |   | $ | 1,405,364 |   |   | $ | 28,274 |   |
|                |   |          |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total Deposits      |   | $             | 1,624,436 |   |             | $      | 1,633,433 |   |   | $ | (8,997 | ) |   | $ | 1,639,562 |   |   | $ | 1,632,012 |   |   | $ | 7,550 |   |

----

----

|              |   |                            |   |   |              |   |
|-------------------|--------|---------------------------------|--------|--------|-------------------|--------|
|              |   | Farmers CapitalBank Corporation |   |   | RegulatoryMinimum |   |
| Tier 1 risk-based |   |                            | 14.25  | %      |              |   | 4.00 | % |
| Total risk-based  |   |                            | 15.51  |   |              |   | 8.00 |   |
| Leverage          |   |                            | 8.56   |   |              |   | 4.00 |   |

----

1

|                                     |   | Tier 1 Leverage Capital Ratio |   |   | Total Risk-Based Capital Ratio |   |
|------------------------------------------|--------|-------------------------------|--------|--------|--------------------------------|--------|
|                                     |   |                          |   |   |                           |   |
| Farmers Bank                             |   |                          | 8.19   | %      |                           |   | 15.44 | % |
| United Bank                              |   |                          | 7.49   |   |                           |   | 13.79 |   |
| Lawrenceburg Bank                        |   |                          | 6.08   |   |                           |   | 12.87 |   |
| First Citizens Bank                      |   |                          | 8.26   |   |                           |   | 12.96 |   |
| Citizens Bank of Northern Kentucky, Inc. |   |                          | 6.81   |   |                           |   | 11.39 |   |

----

  
| 1 | The Leverage Ratio is computed by dividing a bank’s Total Capital, as defined by regulation, by its total average assets. |
|---|---------------------------------------------------------------------------------------------------------------------------------|

|   | The Risk-Based Ratio is computed by dividing a bank’s Total Capital, as defined by regulation, by a risk-weighted sum of the bank's assets, with the risk weighting determined by general standards established by regulation.  The safest assets (e.g., government obligations) are assigned a weighting of 0% with riskier assets receiving higher ratings (e.g., ordinary commercial loans are assigned a weighting of 100%). |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

Item 3.  Quantitative and Qualitative Disclosures About Market Risk

Item 4.  Controls and Procedures

----

Item 1.  Legal Proceedings

Item 2.  Unregistered Sales of Equity Securities and Use of Proceeds

----

Item 6.  Exhibits

| 3.1    | Articles of Incorporation of Farmers Capital Bank Corporation (incorporated by reference to Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2006, the Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2003, and Current Report on Form 8-K dated January 13, 2009). |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                                                                                                                                                                                                                                                                                             |
| 3.2    | Amended and Restated Bylaws of Farmers Capital Bank Corporation (incorporated by reference to Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2009).                                                                                                                                  |
|   |                                                                                                                                                                                                                                                                                                             |
| 4.1*   | Junior Subordinated Indenture, dated as of July 21, 2005, between Farmers Capital Bank Corporation and Wilmington Trust Company, as Trustee, relating to unsecured junior subordinated deferrable interest notes that mature in 2035.                                                                            |
|   |                                                                                                                                                                                                                                                                                                             |
| 4.2*   | Amended and Restated Trust Agreement, dated as of July 21, 2005, among Farmers Capital Bank Corporation, as Depositor, Wilmington Trust Company, as Property and Delaware Trustee, the Administrative Trustees (as named therein), and the Holders (as defined therein).*                                        |
|   |                                                                                                                                                                                                                                                                                                             |
| 4.3*   | Guarantee Agreement, dated as of July 21, 2005, between Farmers Capital Bank Corporation, as Guarantor, and Wilmington Trust Company, as Guarantee Trustee.*                                                                                                                                                     |
|   |                                                                                                                                                                                                                                                                                                             |
| 4.4*   | Junior Subordinated Indenture, dated as of July 26, 2005, between Farmers Capital Bank Corporation and Wilmington Trust Company, as Trustee, relating to unsecured junior subordinated deferrable interest notes that mature in 2035.*                                                                           |
|   |                                                                                                                                                                                                                                                                                                             |
| 4.5*   | Amended and Restated Trust Agreement, dated as of July 26, 2005, among Farmers Capital Bank Corporation, as Depositor, Wilmington Trust Company, as Property and Delaware Trustee, the Administrative Trustees (as named therein), and the Holders (as defined therein).*                                        |
|   |                                                                                                                                                                                                                                                                                                             |
| 4.6*   | Guarantee Agreement, dated as of July 26, 2005, between Farmers Capital Bank Corporation, as Guarantor, and Wilmington Trust Company, as Guarantee Trustee.*                                                                                                                                                     |
|   |                                                                                                                                                                                                                                                                                                             |
| 4.7*   | Indenture, dated as of August 14, 2007 between Farmers Capital Bank Corporation, as Issuer, and Wilmington Trust Company, as Trustee, relating to fixed/floating rate junior subordinated debt due 2037.*                                                                                                        |
|   |                                                                                                                                                                                                                                                                                                             |
| 4.8*   | Amended and Restated Declaration of Trust, dated as of August 14, 2007, by Farmers Capital Bank Corporation, as Sponsor, Wilmington Trust Company, as Delaware and Institutional Trustee, the Administrative Trustees (as named therein), and the Holders (as defined therein).*                                 |
|   |                                                                                                                                                                                                                                                                                                             |
| 4.9*   | Guarantee Agreement, dated as of August 14, 2007, between Farmers Capital Bank Corporation, as Guarantor, and Wilmington Trust Company, as Guarantee Trustee.*                                                                                                                                                   |
|   |                                                                                                                                                                                                                                                                                                             |
| 4.10   | Form of Certificate for Fixed Rate Cumulative Perpetual Preferred Stock, Series A(incorporated by reference to the Current Report on Form 8-K dated January 13, 2009).                                                                                                                                           |
|   |                                                                                                                                                                                                                                                                                                             |
| 4.11   | Warrant for Purchase of Shares of Common Stock(incorporated by reference to the Current Report on Form 8-K dated January 13, 2009).                                                                                                                                                                              |
|   |                                                                                                                                                                                                                                                                                                             |
| 10.1   | Agreement and Plan of Merger, Dated July 1, 2005, as Amended, by and among Citizens Bancorp, Inc., Citizens Acquisition Subsidiary Corp, and Farmers Capital Bank Corporation(incorporated by reference to Appendix A of Registration Statement filed on Form S-4 on October 11, 2005).                          |

----

|   |                                                                                                                                                                                                                                                                                                                                                                                                                              |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 10.2   | Amended and Restated Plan of Merger of Citizens National Bancshares, Inc. with and into FCBC Acquisition Subsidiary, LLC (incorporated by reference to Appendix A of Proxy Statement for Special Meeting of Shareholders of Citizens National Bancshares, Inc. and Prospectus in connection with an offer of up to 600,000 shares of its common stock of Farmers Capital Bank Corporation filed on Form 424B3 on August 7, 2006). |
|   |                                                                                                                                                                                                                                                                                                                                                                                                                              |
| 10.3   | Stock Purchase Agreement Dated June 1, 2006 by and among Farmers Capital Bank Corporation, Kentucky Banking Centers, Inc. and Citizens First Corporation (incorporated by reference to Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2008).                                                                                                                                                          |
|   |                                                                                                                                                                                                                                                                                                                                                                                                                              |
| 31.1** | CEO Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002                                                                                                                                                                                                                                                                                                                                                       |
|   |                                                                                                                                                                                                                                                                                                                                                                                                                              |
| 31.2** | CFO Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002                                                                                                                                                                                                                                                                                                                                                       |
|   |                                                                                                                                                                                                                                                                                                                                                                                                                              |
| 32**   | CEO & CFO Certifications Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002                                                                                                                                                                                                                                                                                             |
|   |                                                                                                                                                                                                                                                                                                                                                                                                                              |

| * Exhibit not included pursuant to Item 601(b)(4)(iii) and (v) of Regulation S-K. The Company will provide a copy of such exhibit to the Securities and Exchange Commission upon request. |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

SIGNATURES

| Date:  |   May 6, 2010       |   |  /s/ Lloyd C. Hillard, Jr.              |
|--------|-------------------------------|--------|----------------------------------------------|
|   |                          |   | Lloyd C. Hillard, Jr.                        |
|   |                          |   | President and CEO                            |
|   |                          |   | (Principal Executive Officer)                |
|   |                          |   |                                         |
| Date:  |    May 6, 2010 |   |  /s/ Doug Carpenter                |
|   |                          |   | C. Douglas Carpenter                         |
|   |                          |   | Senior Vice President, Secretary, and CFO    |
|   |                          |   | (Principal Financial and Accounting Officer) |

----