Document:

Exhibit 10.10
                                ESCROW AGREEMENT

     This  ESCROW  AGREEMENT  is made and  entered  into as of the  _____ day of
_______  ,  2000,by  and  between  First  Security  Bancorp,  Inc.,  a  Kentucky
corporation  ("Bancorp"),  and Peoples Bank & Trust Company, Inc.,  a  Kentucky
corporation, (the "Escrow Agent").

                                   WITNESSETH:

     WHEREAS, Bancorp proposes to offer and sell 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  offer,  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
     Bank.

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 common
     stock  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, 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  subscription,  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 both 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 Bank;
                                    First Security Bancorp, Inc.
                                    400 East Main Street
                                    Lexington, KY  40507
                                    Attn: John S. Shropshire, President

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

                with a copy to:
                                    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 either 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 hereinabove written.

                                            First Security Bancorp, Inc.

                                       By:_____________________________________

                                     Title:____________________________________

                                            Peoples Bank & Trust Co., Inc

                                      By:______________________________________

                                    Title:_____________________________________Exhibit 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
USAccess  Bank,  an  affiliate  of the  Escrow  Agent,  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 __, 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 and trusts  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
                                    "First Security Bancorp, Inc. 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
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 "First Security
Bancorp,  Inc. 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 __, 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.

         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  or bylaws of the  undersigned  corporation 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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