[YORK, NEEL & CO.-OWENSBORO, LLP LETTERHEAD]
INDEPENDENT AUDITORS' CONSENT
Board of Directors
Kentucky National Bancorp, Inc.
Elizabethtown, Kentucky
We hereby consent to the incorporation by reference in the
Company's Registration Statement on Form S-8 and in the related
Prospectus, of our report dated February 10, 2000, relating to
the financial statements of Kentucky National Bancorp, Inc.,
included in the Company's Annual Report on Form 10-KSB for the
year ended December 31, 1999.
/s/ York, Neel & Co.-Owensboro, LLP
York, Neel & Co.-Owensboro, LLP
Owensboro, Kentucky
July 14, 2000
