X0201 4 2003-09-19 0 0000055362 KENTUCKY INVESTORS INC KINV 0001223505 WATERFIELD HARRY LEE II P O BOX 717 FRANKFORT KY 40602 1 1 0 1 President Group (1) Common Stock 2003-09-19 4 S 0 954 27 D 317030.28 I Group (1) Common Stock 0 2003-09-19 4 P 0 954 27 A 0 0 316606.96 I See Footnote (3) N/A N/A TAP & CO. is Trustee for Employee Benefit Plans and receives dividends. Reporting person is a participant in the plans. Benefit Plan Committee directs Trustee how to vote. Reporting Person is a member of the Committee. (1) Explanation of the Group are Investors Heritage Life Insurance Company, Investors Underwriters, Inc., HLW Investment Corp., TAP & CO., Harry Lee Waterfield II, RoseGayle Waterfield Hardy, Nancy Waterfield Walton, HLW Corporation, Harry Lee Waterfield II, RoseGayle Waterfield Hardy, Nancy Waterfield Walton TUA Fund 1, 2, 3 and 4 and RoseGayle Waterfield Hardy, Nancy Waterfield Walton, Harry Lee Waterfield II Trust dated 12-22-1976 and Kentucky Investors, Inc. Employee Retirement Plan. Jane S. Jackson, Asst. Secretary of Kentucky Investors, Inc. on behalf of Harry Lee Waterfield II 2003-09-22