Exhibit 23.2
                          Independent Auditors' Consent





The Board of Directors
Farmers Capital Bank Corporation:

We consent to the incorporation by reference in the registration  statement (No.
333-63037) on Form S-8 of Farmers  Capital Bank  Corporation of our report dated
January 17, 2003,  with  respect to the  consolidated  balance  sheet of Farmers
Capital Bank  Corporation  and  Subsidiaries  as of December  31, 2002,  and the
related  consolidated  statements of income,  comprehensive  income,  changes in
shareholders'  equity,  and cash  flows  for each of the  years in the  two-year
period ended  December 31, 2002,  which report  appears in the December 31, 2002
annual report on Form 10-K of Farmers Capital Bank Corporation.


/s/ KPMG LLP

Louisville, Kentucky
March 12, 2004