[WHELAN, DOERR & COMPANY, PSC LETTERHEAD]
INDEPENDENT AUDITORS' CONSENT
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Board of Directors
Kentucky National Bancorp, Inc.
Elizabethtown, KY
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 5, 1999, relating to
the financial statements of Kentucky National Bank, included in
the Company's Annual Report on Form 10-KSB for the year ended
December 31, 1999.
/s/ Whelan, Doerr & Company, PSC
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Whelan, Doerr & Company, PSC
Elizabethtown, Kentucky
July 14, 2000
