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EXHIBIT 23
CONSENT OF INDEPENDENT AUDITORS
The Board of Directors
Area Bancshares Corporation:
We consent to incorporation by reference in the Registration Statement No.
333-38037 on Form S-8 pertaining to the Area Bancshares Corporation Profit
Sharing/401(k) Plan of our report dated June 21, 2000, relating to the
statements of net assets available for benefits of Area Bancshares
Corporation Profit Sharing/401(k) Plan as of December 31, 1999 and 1998,
and the related statements of changes in net assets available for benefits
for the years then ended, which report appears in the December 31, 1999
annual report on Form 11-K of the Area Bancshares Corporation Profit
Sharing/401(k) Plan.
/s/ KPMG LLP
Louisville, Kentucky
July 12, 2000
