Document:

Exhibit 10.10
ESCROW AGREEMENT

This ESCROW  AGREEMENT is made and entered into as of the 1st day of  September,
2000,  by and  among  First  Security  Bancorp,  Inc.,  a  Kentucky  corporation
("Bancorp"),  Peoples  Bank & Trust  Co.,  Inc.,  a Kentucky  corporation,  (the
"Escrow  Agent")  and  Winebrenner  Capital  Partners,  LLC, a Kentucky  limited
liability company (the "Sales Agent").

WITNESSETH:
         WHEREAS,  Bancorp  proposes  to offer and sell  through the Sales Agent
Shares (the  "Shares")  of Common  Stock of Bancorp at an  approximate  price of
$16.00 per Share; and
WHEREAS, the subscribers to such Shares will execute a Subscription Agreement, a
copy of which is attached hereto as Exhibit A, and such Agreement  provides that
the  subscription   funds  (the   "Subscription   Amounts")  received  from  the
subscribers  (the  "Subscribers")  for the Shares  shall be held in escrow until
acceptance of such subscriptions by Bancorp, at its discretion.

NOW,  THEREFORE,  the parties hereto, in consideration of their mutual covenants
and agreements  herein set forth,  and in  consideration  of the purchase of the
Shares by the Subscribers, do hereby covenant and agree as follows:

     1.The  Bancorp  hereby  appoints  Peoples Bank & Trust Co. Inc., a Kentucky
corporation,  (the "Escrow Agent"),  to serve as the Escrow Agent and the Escrow
Agent  agrees to serve in that  capacity,  pursuant  to the terms of this Escrow
Agreement.

     2.The  Escrow   Agent  shall  at  all  times   maintain  a  record  of  all
subscriptions and amounts  deposited in escrow.  Such records and accounts shall
be  available  at all times for  inspection,  examination  and  reproduction  by
Bancorp.

     3.Subscription  Amounts  shall not become the property or assets of Bancorp
until  its   President  or  Chairman   issues  a  written   certification   that
subscriptions  relating to such funds have been accepted and that shares will be
issued to Subscribers in respect of such subscriptions. Following the receipt of
such authorization,  the Escrow Agent shall release to Bancorp, or to such other
person on behalf of Bancorp as Bancorp shall direct,  all or such portion of the
Subscription   Amounts,   interest  earned  on  Subscription  Amounts,  and  the
subscription documents as Bancorp may specify.

     4.All Subscription Amounts delivered to the Escrow Agent shall be deposited
in a special  trust  account,  to be maintained  at USAccess  Bank,  Louisville,
Kentucky,  as designee  of the Escrow  Agent and shall be invested by the Escrow
Agent, as soon as practicable  after the clearance of the Subscriber's  check or
the availability of good funds from the Subscriber, in secured government paper.
All subscription amounts shall be invested only as permissible under Rule 15c2-4
of the Securities Exchange Act of 1934.

     5.The Escrow Agent, upon receipt of written  notification of termination of
the offering from Bancorp  without the  acceptance of any  subscriptions,  shall
mail to each Subscriber his or her Subscription  Amount and originally  executed
subscription documents, together with, pursuant to Section 3 above, the interest
earned on  Subscription  Amounts he or she has deposited  with the Escrow Agent.
Funds returned to the Subscribers shall be paid directly to each Subscriber, and
not through Bancorp.

     6.It is understood and agreed that the Escrow Agent shall:

(a)be under no duty to enforce  payment of any check,  draft,  or other document
which is to be delivered to or held by it hereunder;

(b)be  protected  in acting upon any  notice,  request,  certificate,  approval,
consent or other  paper  believed by it to be genuine and to be signed by proper
party or parties;

(c)be  indemnified by Bancorp against any claim made against it by reason of its
acting or failing to act in connection with any of the transactions contemplated
hereby and against  any loss it may  sustain in  carrying  out the terms of this
Agreement,  including  the  reasonable  fees of  counsel,  except such claims or
losses which arise out of or are occasioned by its bad faith,  gross  negligence
or misconduct;

(d)be  permitted  to consult  with  counsel of its choice,  and the Escrow Agent
shall not be  liable  for any  action  taken,  suffered  or  permitted  by it in
accordance  with the advice of such  counsel;  provided,  however,  that nothing
contained in this paragraph  6(d). nor any action taken by the Escrow Agent,  or
suffered or omitted by it in accordance  with the advice of such counsel,  shall
relieve the Escrow Agent from  liability for any claim or losses which arise out
of or are occasioned by its bad faith,  gross  negligence or misconduct,  all as
provided in paragraph 6(C) hereof;

(e)not to be bound by any modification,  amendment,  termination,  cancellation,
rescission  or  supersession  of this  Agreement,  unless  the same  shall be in
writing and signed by all of the parties hereto;

(f)be  entitled to refrain  from taking any action  other than to keep all funds
deposited  with it and documents held by it in escrow until it shall be directed
otherwise  in writing by Bancorp or by a final  order or  judgment of a court or
competent jurisdiction, if it shall be uncertain concerning its duties or rights
hereunder or shall have received instructions, claims or demands from Bancorp or
Subscribers which, in its opinion, are in conflict with any of the provisions of
this Agreement;

(g)have  no  liability  for  following  the  instructions  herein  contained  or
expressly provided for, or written instructions given by Bancorp; and

(h)have the right,  at any time to resign  hereunder by giving written notice of
its resignation to Bancorp at least thirty (30) days prior to the date specified
for  such  resignation  to take  effect  and,  upon the  effective  date of such
resignation, all funds held by the Escrow Agent shall be delivered by it to such
person as may be designated in writing by Bancorp; whereupon, the Escrow Agent's
obligations hereunder shall cease and terminate.

     If no such person has been so designated by such date,  all  obligations of
Escrow Agent shall  nevertheless,  cease and terminate.  The Escrow Agent's sole
responsibility  thereafter  shall be to keep safely all funds and documents then
held by it and to  deliver  the same to a person  designated  by  Bancorp  or in
accordance with a final order or judgment of a court of competent jurisdiction.

     7.All notices, request, demands and other communications  hereunder,  shall
be  deemed  to have  been  duly  given if  delivered  or  mailed,  certified  or
registered mail, with postage prepaid:
     (a)      if to Bancorp;

     First Security Bancorp, Inc.
     400 East Main Street
     Lexington, KY  40507
     Attn: John S. Shropshire, President

     (b)      if to the Escrow Agent:
     USAccess Bank, Inc.
     Designee of Peoples Bank & Trust Co., Inc.
     8620 Biggin Hill Lane
     Louisville, KY 40220
     Attn: Chief Financial Officer

       (c)     if to the Sales Agent:
       Winebrenner Capital Partners, LLC
       2300 Green Way, Suite 200
       Louisville, KY 40220-4009
       Attn: Earl G. Winebrenner, III
or to other  person  and  place as any  party  shall  designate  to the other in
writing.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed
as of the date first herein above written.

     First Security Bancorp, Inc.

By: /s/Julian E. Beard
        Julian E. Beard

Title:  Chairman

Peoples Bank & Trust Co., Inc

By: /s/Avery K. Matney, Jr.
        Avery K. Matney, Jr.

Title: EVP/CEO

Winebrenner Capital Partners, LLC

By: /s/ Earl G. Winebrenner, III
        Earl G. Winebrenner, III
Title: PresidentExhibit 10.11
                                    OFFERING
                                       OF
                                  COMMON STOCK
                                       IN
                          FIRST SECURITY BANCORP, INC.

                         INSTRUCTIONS FOR SUBSCRIPTIONS

         In order to subscribe  for shares of the common stock (the  "Stock") of
First  Security  Bancorp,  Inc. (the  "Bancorp"),  a  prospective  investor must
complete and execute two  Subscription  Agreement  Offers in accordance with the
instructions set forth herein. Both of such documents should then be returned to
an  affiliate of the Escrow  Agent, USAccess Bank Inc., 8620  Biggin  Hill Lane,
Louisville,  Kentucky  40220-4009.  Please be sure that  your  name  appears  in
exactly the same way in each signature and in each place where it is inserted in
the  documents.  A copy of each signed  document  will be returned to you if and
when your subscription is accepted.

         You have requested this booklet of subscription documents in connection
with your  interest in the  offering of the Stock.  NO PERSON IS  AUTHORIZED  TO
RECEIVE  THIS  BOOKLET   UNLESS  SUCH  PERSON  HAS   PREVIOUSLY   RECEIVED,   OR
SIMULTANEOUSLY  RECEIVES, A COPY OF A PROSPECTUS OF FIRST SECURITY BANCORP, INC.
DATED SEPTEMBER 29, 2000. Delivery of these subscription documents to anyone not
receiving said Prospectus is  unauthorized,  and any reproduction or circulation
of these subscription documents, in whole or in part, is prohibited.

         Subscriptions  from prospective  investors will be accepted at the sole
discretion  of Bancorp  after receipt of all  subscription  documents  (properly
completed and executed) with the appropriate payment.

         SHARES OF BANCORP  STOCK ARE  EQUITY  SECURITIES  AND ARE NOT  ACCOUNTS
INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE  CORPORATION OR ANY OTHER
GOVERNMENTAL AGENCY.

Subscription Agreement Offer        Read,  complete,  date and
                                    sign two  copies.  Each  co-subscriber  must
                                    complete and sign two signature pages.

Joint Ownership of Stock            Joint  ownership of Stock by two or more
                                    persons shall be inscribed on the
                                    certificate as either Joint Tenants or
                                    Tenants  in Common, as indicated by the
                                    subscriber. Names should be joined by "and",
                                    not "or". Omit titles such as "Mrs." or
                                    "Dr." The  statement  "Joint Tenancy with
                                    Right of  Survivorship"  may be specified to
                                    identify two or more owners where ownership
                                    is intended to pass  automatically  to the
                                    surviving tenant(s). The statement "Tenants
                                    in Common" may also be specified to identify
                                    two or more  owners.  When Stock is held by
                                    persons as tenants in common, upon the death
                                    of one co-tenant, ownership of the Stock
                                    will be held by the surviving co-tenant(s)
                                    and by the heirs of the deceased co-tenant.
                                    Please  consult your  attorney for full
                                    details  regarding the legal effects of
                                    joint ownership.

Uniform Transfers to Minors         Stock may be held in the name of the
                                    custodian for a minor under the Uniform
                                    Transfers to Minor Act.  There may only be
                                    one  custodian  and one minor  designated
                                    on a Stock  certificate. The standard
                                    abbreviation  of custodian is "CUST".  The
                                    description  "Uniform  Transfer to Minors
                                    Act" is abbreviated  "UTMA".  For example,
                                    Stock held by Mary B. Smith as custodian
                                    for John L. Smith under the Kentucky Uniform
                                    Transfers to Minors Act will be abbreviated
                                    "MARY B. SMITH CUST. JOHN L. SMITH UTMA".

Subscribers Other than Natural
Persons                             Corporations, partnerships, trusts and other
                                    entities must attach appropriate authorizing
                                    instruments (i.e.corporate resolution,
                                    bylaws, partnership agreement or trust
                                    instrument). Additional documentation may be
                                    required for subscribers who are not natural
                                    persons.

Payment                             Payment  by check  payable  to the  order of
                                    "FSB Escrow" in the amount of $16.00 per
                                    subscribed share of the common stock of
                                    First Security Bancorp, Inc. must accompany
                                    your signed Subscription Agreement Offer.

IF YOU HAVE ANY QUESTIONS  CONCERNING THE COMPLETION OF THE  SUBSCRIPTION
DOCUMENTS,  PLEASE CONTACT JULIAN E. BEARD AT FIRST SECURITY BANCORP, INC.,
(TELEPHONE NO. 859/367-3701).

<PAGE>

                          SUBSCRIPTION AGREEMENT OFFER

First Security Bancorp, Inc.
c/o USAccess Bank, Inc.
Designee of Escrow Agent
Peoples Bank & Trust Company, Inc.
8620 Biggin Hill Lane
Louisville, Kentucky  40220-4009

Gentlemen:

     The  undersigned  (the  "Subscriber")   hereby  tenders  this  Subscription
Agreement as an offer to purchase  _________ shares (the "Shares") of the no par
value  common  stock of First  Security  Bancorp  Inc.,  a Kentucky  corporation
("Bancorp"). The Subscriber has enclosed a check made payable to "FSB Escrow" in
payment  of the  aggregate  purchase  price of the Shares  offered  hereby to be
purchased at the purchase price of $16.00 per Share. The Subscriber acknowledges
receipt of a copy of the  Prospectus  of Bancorp  dated  September 29, 2000 (the
"Prospectus").

         1. In connection with this offer to purchase, the Subscriber
understands and acknowledges that he or it is aware of the following:

                  (a) No governmental agency, including without limitation,  the
         Securities and Exchange Commission,  has passed upon the Shares or made
         any  finding  or  determination  as to the  wisdom  of  any  investment
         therein;

                  (b) The  purchase  of the Shares is a  long-term,  speculative
         investment  involving  risk of loss by the  Subscriber,  including  the
         risks  summarized  in the  Prospectus,  and  he or it  must  bear  such
         economic risk for an indefinite period of time. The Subscriber has been
         given no assurances by any person  regarding the future success of this
         investment  or any future  dividends or other returns of Bancorp or the
         investment therein; and

                  (c) The Subscriber understands that there is no present active
         public market for the Shares.  Furthermore,  the Subscriber  recognizes
         and  acknowledges  that due to the  absence of a public  market for the
         Shares and due to a number of other factors: (i) the Subscriber must be
         prepared  to  hold  the  Shares  and  bear  the  economic  risk of this
         investment  for an indefinite  period of time;  (ii) the Subscriber may
         not be able to liquidate this  investment in the event of an emergency;
         (iii)  transferability  of the Shares  could be (and could well remain)
         extremely  limited;  and  (iv) in the  event  of a  disposition  of the
         Shares, the Subscriber could sustain a loss.

         2. In connection with this offer to purchase, the Subscriber represents
and warrants to Bancorp that:

                  (a)  The  Subscriber,   his  or  its  advisers,  if  any,  and
         designated  representatives,  if  any,  have  not  been  furnished  any
         offering  literature  other  than  the  Prospectus,  and  in  making  a
         determination  with  respect to the  purchase of the Shares have relied
         only on the information contained in such Prospectus;

                  (b) In making  his or its  decision  to  purchase  the  Shares
         herein   subscribed   for,  the   Subscriber  has  relied  solely  upon
         independent  investigations  made  by him  or it or  his  or  its  duly
         appointed and qualified representatives.  The Subscriber is not relying
         on Bancorp or its  officers and  directors  with respect to any matters
         related to his or its  purchase of Shares,  including,  but not limited
         to,  the  tax  and  other  economic  considerations  involved  in  this
         investment;

                  (c) The Subscriber,  if a corporation,  partnership,  trust or
         other legal entity,  is authorized  and  otherwise  fully  qualified to
         purchase  and hold  Shares.  Such  entity  has its  principal  place of
         business at the address set forth on the signature page hereof;

                  (d) All of the information  that the Subscriber has heretofore
         furnished  or which is set forth  herein is correct and  complete as of
         the date of this Subscription Agreement (including, without limitation,
         the Social Security Number or Taxpayer  Identification Number set forth
         below), and, if there should be any change in such information prior to
         the acceptance of the  subscription  offer made hereby,  the Subscriber
         will immediately furnish revised or corrected information to you;

                  (e)      The Subscriber is not subject to back-up withholding;
                           and

                  (f)      The Subscriber is ~ is not ~ a current  shareholder
         of Bancorp.  (If a current  Bancorp shareholder, the number of shares
         of Bancorp common stock currently held of record by the Subscriber is
         --------------------------------------------------.

         3.       The Subscriber agrees that:

                  (a)      he or it is not entitled to cancel, terminate or
        revoke this subscription offer or any agreements hereunder;

                  (b)      he or it will not transfer or assign this
        subscription offer or any interest therein;

                  (c)      this  subscription  may be  accepted or  rejected,
        in whole or in part,  by you,  in your sole  discretion,
        without giving any reason therefor;

                  (d) if (i) this  subscription  is accepted in whole or in part
         by you, and (ii) the other conditions  precedent set forth above and in
         the Prospectus  are met, the  Subscriber  shall become a shareholder of
         Bancorp,  and the amount to be paid by the Subscriber for the Shares to
         be issued to him or it (along with any interest paid thereon while such
         sums are held in escrow) may be  transferred  to the capital of Bancorp
         as a contribution of the Subscriber; and

                  (e)  you  may,  in  your  sole   discretion,   reject  certain
         subscriptions,  accept  certain  subscriptions  (including  that of the
         Subscriber)  for a lesser number of Shares than the number noted herein
         or allocate Shares among subscribers, or a combination thereof.

         4. The Subscriber  acknowledges that this Subscription  Agreement Offer
will not be valid,  binding and enforceable until the subscription  hereunder is
accepted and approved by you. The Subscriber understands and agrees that you, in
your sole  discretion,  reserve  the right to accept or reject this or any other
subscription  for  Shares  in  whole  or in part at any time and for any (or no)
reason as set forth in the  Prospectus,  notwithstanding  prior  receipt  by the
Subscriber  of notice of  acceptance.  In the event  that this  subscription  is
rejected in whole or in part,  Bancorp  shall  promptly  cause the return of the
applicable  portion of the purchase price of the Shares to the Subscriber,  with
accrued  interest  paid  thereon, if any (less  escrow  agent  fees),  and this
Subscription Agreement Offer shall thereafter have no force or effect.

         5. This  Subscription  Agreement  supersedes any previous  subscription
agreement  executed  by or on behalf of the  Subscriber  relative to the capital
stock of Bancorp,  and any such previous agreement is hereby rescinded and is of
no further force and effect.

         6. The Subscriber's representations, warranties and covenants contained
herein are true and  correct on the date  hereof and will be true and correct on
the date the Subscriber is admitted as a shareholder of Bancorp.

         7.       The  Subscriber  hereby  agrees to furnish you such other
information as you may request with respect to his or its subscription
hereunder.

         8. The Subscriber hereby  acknowledges and agrees that the subscription
hereunder is  irrevocable,  and that this  Subscription  Agreement Offer and any
agreements of the Subscriber  hereunder shall survive the death or disability of
the Subscriber and shall be binding upon and inure to the benefit of the parties
hereto  and  their   heirs,   executors,   administrators,   successors,   legal
representatives  and  assigns.  If the  Subscriber  is more  than one  person or
entity,  the obligations of the Subscriber  hereunder shall be joint and several
and the  agreements,  representations,  warranties  and  acknowledgments  herein
contained  shall be deemed to be made by and be binding upon each such person or
entity and their respective heirs, executors, administrators,  successors, legal
representatives and assigns.

         9. This  Subscription  Agreement Offer contains the entire agreement of
the  parties  with  respect  to the  subject  matter  hereof,  and  there are no
representations,  covenants or other agreements  except as stated or referred to
herein. This Subscription  Agreement Offer shall be governed by and construed in
accordance with the laws of the Commonwealth of Kentucky,  without regard to its
principles of conflicts of law or choice of law.

         10. Each provision of this Subscription  Agreement Offer is intended to
be severable from every other provision, and the invalidity or illegality of any
portion  hereof  shall not affect the  validity  or  legality  of the  remainder
hereof.

                            INDIVIDUAL SIGNATURE PAGE

         In Witness  Whereof,  the  undersigned  represents  that the  foregoing
statements  are true and correct and that he/she has executed this  Subscription
Agreement Offer this ___ day of __________, 2000.

-------------------------------------------------
Please Print Name of Subscriber

--------------------------------------------------
Signature of Subscriber

--------------------------------------------------
Residential Street Address

--------------------------------------------------
City, State and Zip Code of Residence

--------------------------------------------------
Telephone Number

--------------------------------------------------
Social Security Number or Tax Identification Number,
if applicable

U.S. $
--------------------------------------------------------------------------------
Total Amount of Subscription Offer (in words and in dollars)

                    ACKNOWLEDGMENT FOR INDIVIDUAL SUBSCRIBER

State of                                    )
                                    )    ss.:
County of                                )

         On this ___ day of  _______________,  2000,  before me, the undersigned
Notary   Public,    duly   commissioned   and   sworn,    personally    appeared
______________________________________,  personally known to me (or proved to me
on the basis of satisfactory evidence) to be the person whose name is subscribed
to the  within  instrument,  and  subscribed  and swore to such  instrument  and
acknowledged that he or she executed the same.

         In Witness Whereof, I have hereunto set my hand and affixed my official
seal the day and year in this certificate above written.

                                     ------------------------------------------
                                     (Notary Public in and for the aforesaid
                                     County and State)

                                     My Commission Expires:_____________________

[Seal]

                                                       * * * *

Do Not Write Below This Point

Subscription Accepted on ____________________, _____

First Security Bancorp, Inc.

By:________________________
         John S. Shropshire
         President

<PAGE>

                     CORPORATE OR PARTNERSHIP SIGNATURE PAGE

Attached  hereto  are  resolutions,   bylaws  or  operating   agreement  of  the
undersigned  corporation  or  limited  liability  company or  provisions  of the
partnership   agreement  of  the   undersigned   partnership   evidencing   such
authorizations, which authorizations have not been revoked and are still in full
force and effect.

         In Witness  Whereof,  the  undersigned  represents  that the  foregoing
statements  are  true  and  correct  and that it has  caused  this  Subscription
Agreement   Offer  to  be  duly   executed   on  its  behalf  this  ___  day  of
_________________, 2000.

--------------------------------------------------
Name of Subscriber

By:
--------------------------------------------------------------------------------
Signature of Authorized Person

--------------------------------------------------
Print Name and Title of Authorized Person

--------------------------------------------------
Business Street Address

--------------------------------------------------
Mailing Address

--------------------------------------------------
City, State and Zip Code

--------------------------------------------------
Telephone Number

--------------------------------------------------
Tax Identification Number, if applicable

U.S. $
--------------------------------------------------------------------------------
Total Amount of Subscription Offer (in words and in dollars)

<PAGE>

             ACKNOWLEDGMENT FOR CORPORATE OR PARTNERSHIP SUBSCRIBER

State of                                    )
                                    )    ss.:
County of                                )

         On this ___ day of  _______________,  2000,  before me, the undersigned
Notary   Public,    duly   commissioned   and   sworn,    personally    appeared
______________________________________,  personally known to me (or proved to me
on the basis of satisfactory evidence) to be (a) (the)  _________________ of the
entity that executed the within instrument, and known to me to be the person who
executed  the within  instrument  on behalf of the  entity  therein  named,  and
acknowledged to me that on behalf of such entity he/she duly executed the same.

         In Witness Whereof, I have hereunto set my hand and affixed my official
seal the day and year in this certificate above written.

                                     ------------------------------------------
                                     (Notary Public in and for the aforesaid
                                     County and State)

                                     My Commission Expires:_____________________

[Seal]

                                                       * * * *

Do Not Write Below This Point

Subscription Accepted on ____________________, ____

First Security Bancorp, Inc.

By:________________________
         John S. Shropshire
         President

<PAGE>

                              TRUST SIGNATURE PAGE

         Attached  hereto  is a copy of the  trust  instrument  evidencing  such
authorization,  which instrument has not been revoked and is still in full force
and effect.

         In Witness  Whereof,  the undersigned  represent(s)  that the foregoing
statements  are true and correct  and that he or it has (or they have)  executed
this Subscription Agreement Offer this ___ day of ______________, 2000.

For Individual Trustee(s):                           For Corporate Trustee:

By:_________________________________    ____________________________________
      Signature, as Trustee                    Name of Corporate Trustee

By:_________________________________    By:_________________________________
      Signature of Co-Trustee                Signature of Authorized Officer
      (if requested by trust instrument)

------------------------------------       ------------------------------------
Print Name(s)                          Print Name and Title of Authorized Person

------------------------------------       ------------------------------------
Residential Street Address                        Business Street Address

------------------------------------       ------------------------------------
City, State and Zip Code of Residence            City, State and Zip Code

------------------------------------       ------------------------------------
Telephone Number                                     Telephone Number

------------------------------------       ------------------------------------
Trust Tax Identification Number,              Trust Tax Identification Number,
if applicable                                 if applicable

U.S. $_______________________________    U.S. $_______________________________
 Total Amount  of Subscription Offer       Total Amount of Subscription Offer
   (in words and in dollars)                  (in words and in dollars)

<PAGE>

                       ACKNOWLEDGMENT FOR TRUST SUBSCRIBER

State of                                    )
                                    )    ss.:
County of                                )

For Individual Trustee(s):

         On this ___ day of  _______________,  2000,  before me, the undersigned
Notary   Public,    duly   commissioned   and   sworn,    personally    appeared
_________________ and  __________________,  personally known to me (or proved to
me on the basis of satisfactory  evidence) to be the person(s) whose name is (or
whose names are) subscribed to the within  instrument,  and subscribed and swore
to such instrument and acknowledged that he (or she or they) executed the same.

For Corporate Trustee:

         On this ___ day of  _______________,  2000,  before me, the undersigned
Notary   Public,    duly   commissioned   and   sworn,    personally    appeared
___________________________________,  personally known to me (or proved to me on
the basis of satisfactory  evidence) to be the ________  ___________________  of
the corporation that executed the within  instrument,  and known to me to be the
person who executed the within  instrument on behalf of the corporation  therein
named, and  acknowledged to me that such corporation  executed the same pursuant
to its bylaws or a resolution of its board of directors.

         In Witness Whereof, I have hereunto set my hand and affixed my official
seal the day and year in this certificate above written.
                                     ------------------------------------------
                                      (Notary Public in and for the aforesaid
                                        County and State)
                                     My Commission Expires:_____________________
[Seal]

                                                       * * * *
Do Not Write Below This Point

Subscription Accepted on ____________________, _____

First Security Bancorp, Inc.

By:__________________________________
         John S. Shropshire
         President

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