EXHIBIT 23.1
CONSENT OF  INDEPENDENT  REGISTERED  PUBLIC  ACCOUNTING  FIRM (CROWE  CHIZEK AND
COMPANY LLC)


            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in this  Registration  Statement of
Farmers Capital Bank Corporation on Form S-8 of our report dated January 9, 2004
on the 2003 financial  statements of Farmers Capital Bank Corporation  appearing
in the 2003 Form 10-K of Farmers Capital Bank Corporation.

                                             /s/ CROWE CHIZEK AND COMPANY LLC
                                             Crowe Chizek and Company LLC

Louisville, Kentucky
June 22, 2004