COMMUNITY TRUST FINANCIAL SERVICES CORPORATION
8-K, EX-99.2, 2000-10-30
STATE COMMERCIAL BANKS
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                                 EXHIBIT 99.2

                             FOR IMMEDIATE RELEASE
                             ---------------------


Hiram, Georgia. October 19, 2000. The board of directors of Community Trust
Financial Services Corporation is pleased to announce that a quarterly dividend
of 4 cents per share has been declared to be paid on November 14, 2000, to
shareholders of record as of November 1, 2000.

Community Trust Financial Services is the parent company of Community Trust
Bank, Metroplex Appraisals, Inc., Community Loan Company, and owns 49% interest
in Cash Transactions L. L. C. As a publicly held company, Community Trust is a
registrant with the Securities and Exchange Commission. The company's common
stock is traded via the over-the-counter bulletin board with the symbol CTFV.


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