UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. )*
THE BANK OF KENTUCKY FINANCIAL CORPORATION
_____________________________________________________
(Name of Issuer)
Common Shares
_____________________________________________________
(Title of Class of Securities)
062896105
_____________________________________________________
(CUSIP Number)
* The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).
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CUSIP No. 062896105 13G
1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
R C DURR ###-##-####
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
N/A
(a) _____
(b) _____
3 SEC USE ONLY
4 CITIZENSHIP OR PLACE OF ORGANIZATION
U S CITIZEN
5 SOLE VOTING POWER
35,254
NUMBER OF
SHARES 6 SHARED VOTING POWER
BENEFICIALLY
OWNED 0
BY EACH
REPORTING PERSON 7 SOLE DISPOSITIVE POWER
WITH
70,236
8 SHARED DISPOSITIVE POWER
0
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
105,490
10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES
N/A
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
18.07%
12 TYPE OF REPORTING PERSON*
IN
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ITEM 1(A). Name of Issuer: The Bank of Kentucky Financial Corporation
ITEM 1(B). Address of Issuer's Principal Executive Offices:
1065 Burlington Pike
Florence, Kentucky 41042
ITEM 2(A). Name of Person Filing: R C Durr
ITEM 2(B). Address of Principal Business Office or, if none,
Residence: 1067 Richwood Road, Walton, Kentucky 41094
ITEM 2(C). Citizenship: U S Citizen
ITEM 2(D). Title of Class of Securities: Common
ITEM 2(E). CUSIP Number
062896105
ITEM 3. If this statement is filed pursuant to Rules 13d-1(b), or
13d-2(b), check whether the person filing is a: N/A
(a) [ ] Broker or Dealer registered under Section 15 of
the Act
(b) [ ] Bank as defined in section 3(a)(6) of the Act
(c) [ ] Insurance Company as defined in section 3(a)(19)
of the Act
(d) [ ] Investment Company registered under section 8 of
the Investment Company Act
(e) [ ] Investment Advisor registered under section 203 of
the Investment Advisers Act of 1940
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(f) [ ] Employee Benefit Plan, Pension Fund which is
subject to the provisions of the Employee
Retirement Income Security Act of 1974 or
Endowment Fund; see ss. 240.13d-1(b)(1)(ii)(F)
(g) [ ] Parent Holding Company, in accordance with
ss. 240.13d-1(b)(1)(ii)(G)
(h) [ ] Group, in accordance with
ss. 240.13d-1(b)(1)(ii)(H)
ITEM 4. Ownership:
(a) Amount Beneficially Owned: 105,490
(b) Percent of Class: 18.07%
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct the vote: 35,254
(ii) shared power to vote or to direct the vote: 0
(iii) sole power to dispose or to direct the disposition
of: 70,236
(iv) shared power to dispose or to direct the
disposition of: 0
ITEM 5. Ownership of Five Percent or Less of a Class: N/A
ITEM 6. Ownership of More Than Five Percent on Behalf of Another
Person: N/A
ITEM 7. Identification and Classification of the Subsidiary Which
Acquired the Security Being Reported on by the Parent Holding
Company: N/A
ITEM 8. Identification and Classification of Members of the Group: N/A
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ITEM 9. Notice of Dissolution of Group: N/A
ITEM 10. Certification:
By signing below, I certify that, to the best of my
knowledge and belief, the securities referred to above were
acquired in the ordinary course of business and were not
acquired for the purpose of and do not have the effect of
changing or influencing the control of the issuer of such
securities and were not acquired in connection with or as a
participant in any transaction having such purposes or effect.
Signature:
After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete
and correct.
2-8-97 /s/ R. C. Durr
______________________________ __________________________________________
Date
