EX-21 4 exhibit21.txt SUBSIDIARY LIST Exhibit 21 Subsidiaries of the Registrant ------------------------------ The following table provides a listing of the direct and indirect operating subsidiaries of the Registrant, the percent of voting stock held by the Registrant as of December 31, 2003 and the jurisdiction of incorporation in which each subsidiary was incorporated or organized. Percentage of Voting Jurisdiction Stock held by Subsidiaries of the Registrant of Incorporation Registrant -------------------------------------------------------------------------------- Farmers Bank & Capital Trust Co. Kentucky 100% United Bank & Trust Company Kentucky 100% First Citizens Bank Kentucky 100% Lawrenceburg National Bank Kentucky 100% Farmers Bank and Trust Company Kentucky 100% Kentucky Banking Centers, Inc. Kentucky 100% FCB Services, Incorporated Kentucky 100% Kentucky General Life Insurance Company, Inc. 1 Kentucky Farmers Capital Insurance Corporation 2 Kentucky EG Properties, Inc.2 Kentucky EH Properties, Inc.3 Kentucky EV Properties, Inc. 1 Kentucky Farmers Fidelity Insurance Agency, LLP 4 Kentucky Farmers Bank Realty Co. 2 Kentucky Leasing One Corporation 2 Kentucky Community Development of Kentucky, Inc.1 Kentucky 1 No stock issued; inactive company. 2 A wholly owned subsidiary of Farmers Bank & Capital Trust Co. 3 A wholly owned subsidiary of First Citizens Bank 4 A fifty (50%) percent owned LLP of Farmers Capital Insurance Corporation.