EXHIBIT 10.10

                              HOPFED BANCORP, INC.
                             2000 STOCK OPTION PLAN


     1. PURPOSE OF THE PLAN.

     The purpose of this Plan is to advance the interests of the Company through
providing select key Employees and Directors of the Bank, the Company, and their
Affiliates  with the opportunity to acquire  Shares.  By encouraging  such stock
ownership,  the Company seeks to attract, retain and motivate the best available
personnel for positions of substantial  responsibility and to provide additional
incentives  to Directors  and key  Employees of the Company or any  Affiliate to
promote the success of the business.

     2. DEFINITIONS.

     As used herein, the following definitions shall apply.

     (a)  "Affiliate"  shall  mean  any  "parent   corporation"  or  "subsidiary
corporation"  of the  Company,  as such terms are defined in Section  424(e) and
(f), respectively, of the Code.

     (b) "Agreement"  shall mean a written  agreement entered into in accordance
with Paragraph 5(c).

     (c) "Bank" shall mean Hopkinsville Federal Savings Bank.

     (d) "Board" shall mean the Board of Directors of the Company.

     (e) "Change in Control" shall mean (1) a change in the  ownership,  holding
or power to vote more than 25% of the Bank's or the Company's  voting stock, (2)
a change in the  ownership or  possession of the ability to control the election
of a majority of the Bank's or the Company's  directors,  or (3) a change in the
ownership or possession of the ability to exercise a controlling  influence over
the  management  or  policies  of the Bank or the  Company  by any  person or by
persons  acting  as a  "group"  (within  the  meaning  of  Section  13(d) of the
Securities  Exchange Act of 1934)  (except that, in the case of (1), (2) and (3)
hereof), ownership or control of the Bank or its directors by the Company itself
shall not constitute a change in control.  The term "person" means an individual
or  a  corporation,   partnership,  trust,  association,  joint  venture,  pool,
syndicate, sole proprietorship, unincorporated organization or any other form of
entity not  specifically  listed  herein.  The  decision of the  Committee as to
whether a Change in Control has occurred shall be conclusive and binding.

     (f) "Code" shall mean the Internal Revenue Code of 1986, as amended.

     (g)  "Committee"  shall mean the Stock  Option  Committee  appointed by the
Board in accordance with Paragraph 5(a) hereof;  provided that the Board may act
in lieu of the  Committee  with respect to any matter as to which the  Committee
may act.




     (h) "Common Stock" shall mean the common stock of the Company.

     (i) "Company" shall mean HopFed Bancorp, Inc.

     (j)  "Continuous  Service"  shall mean the absence of any  interruption  or
termination  of  service  as an  Employee  or  Director  of  the  Company  or an
Affiliate. Continuous Service shall not be considered interrupted in the case of
sick  leave,  military  leave or any  other  leave of  absence  approved  by the
Company,  in the case of transfers  between payroll  locations of the Company or
between the Company, an Affiliate or a successor, or in the case of a Director's
performance of services in an emeritus or advisory capacity.

     (k)  "Director"  shall mean any member of the Board,  and any member of the
board of directors of any Affiliate that the Board has by resolution  designated
as being eligible for participation in this Plan.

     (l) "Disability"  shall mean a physical or mental  condition,  which in the
sole and absolute  discretion of the Committee,  is reasonably expected to be of
indefinite  duration and to substantially  prevent a Participant from fulfilling
his or her duties or responsibilities to the Company or an Affiliate.

     (m) "Effective Date" shall mean the date specified in Paragraph 12 hereof.

     (n) "Employee" shall mean any person employed by the Company,  the Bank, or
an Affiliate.

     (o)  "Exercise  Price" shall mean the price per Optioned  Share at which an
Option may be exercised.

     (p)  "ISO"  means an  option  to  purchase  Common  Stock  which  meets the
requirements  set  forth  in  the  Plan,  and  which  is  intended  to be and is
identified as an "incentive  stock option"  within the meaning of Section 422 of
the Code.

     (q) "Market Value" shall mean the fair market value of the Common Stock, as
determined under Paragraph 7(b) hereof.

     (r) "Non-Employee Director" shall have the meaning provided in Rule 16b-3.

     (s)  "Non-ISO"  means an option to  purchase  Common  Stock which meets the
requirements  set forth in the Plan but which is not  intended  to be and is not
identified as an ISO.

     (t) "Option" means an ISO and/or a Non-ISO.

     (u)  "Optioned  Shares"  shall mean  Shares  subject  to an Option  granted
pursuant to this Plan.

     (v) "Participant"  shall mean any person who receives an Option pursuant to
the Plan.

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     (w) "Plan" shall mean this HopFed Bancorp, Inc. 2000 Stock Option Plan.

     (x) "Rule 16b-3" shall mean Rule 16b-3 of the General Rules and Regulations
under the Securities Exchange Act of 1934, as amended.

     (y) "Share" shall mean one share of Common Stock.

     (z) "Year of Service" shall mean a full 12-month period,  measured from the
date of an Option  and each  annual  anniversary  of that date,  during  which a
Participant has not terminated Continuous Service for any reason.

     3. TERM OF THE PLAN AND OPTIONS.

     (a) Term of the Plan.  The Plan shall  continue  in effect for a term of 10
years from the Effective Date, unless sooner terminated pursuant to Paragraph 14
hereof.  No Option  shall be  granted  under the Plan  after ten years  from the
Effective Date.

     (b) Term of Options.  The term of each Option  granted under the Plan shall
be  established  by the  Committee,  but  shall not  exceed 10 years;  provided,
however,  that in the case of an Employee who owns Shares representing more than
10% of the outstanding  Common Stock at the time an ISO is granted,  the term of
such ISO shall not exceed five years.

     4. SHARES SUBJECT TO THE PLAN.

     Except as otherwise required under Paragraph 9 hereof, the aggregate number
of Shares deliverable  pursuant to Options shall not exceed 40,000 Shares.  Such
Shares may either be authorized but unissued Shares, Shares held in treasury, or
Shares held in a grantor  trust  created by the Company.  If any Options  should
expire, become unexercisable, or be forfeited for any reason without having been
exercised,   the  Optioned  Shares  shall,  unless  the  Plan  shall  have  been
terminated, be available for the grant of additional Options under the Plan.

     5. ADMINISTRATION OF THE PLAN.

     (a)  Composition of the Committee.  The Plan shall be  administered  by the
Committee, appointed by the Board, and consisting of at least two members of the
Board who are  Non-Employee  Directors.  Members of the Committee shall serve at
the  pleasure  of the  Board.  In the  absence  at any time of a duly  appointed
Committee,  the Plan shall be administered by those members of the Board who are
Non-Employee Directors.

     (b) Powers of the Committee. Except as limited by the express provisions of
the Plan or by resolutions  adopted by the Board,  the Committee shall have sole
and complete  authority  and  discretion  (i) to select  Participants  and grant
Options,  (ii) to determine  the form and content of Options to be issued in the
form of  Agreements  under  the  Plan,  (iii) to  interpret  the  Plan,  (iv) to
prescribe, amend and rescind rules and regulations relating to the Plan, and (v)
to make other  determinations  necessary or advisable for the  administration of
the Plan.  The  Committee  shall  have and may  exercise  such  other  power and
authority  as may be  delegated to it by the Board from time to time. A majority
of the entire  Committee shall  constitute a quorum and the action of a majority
of the  members  present at any  meeting at which a quorum is  present,  or acts

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approved in writing by a majority of the Committee  without a meeting,  shall be
deemed the action of the Committee.

     (c)  Agreement.  Each  Option  shall be  evidenced  by a written  agreement
containing  such  provisions  as may be  approved  by the  Committee.  Each such
Agreement  shall  constitute  a binding  contract  between  the  Company and the
Participant, and every Participant,  upon acceptance of such Agreement, shall be
bound by the terms and restrictions of the Plan and of such Agreement. The terms
of each such Agreement  shall be in accordance with the Plan, but each Agreement
may include  such  additional  provisions  and  restrictions  determined  by the
Committee,  in its  discretion,  provided that such  additional  provisions  and
restrictions are not inconsistent with the terms of the Plan. In particular, the
Committee shall set forth in each Agreement (i) the Exercise Price of an Option,
(ii) the number of Shares  subject to, and the  expiration  date of, the Option,
(iii) the manner, time and rate (cumulative or otherwise) of exercise or vesting
of such  Option,  and (iv) the  restrictions,  if any,  to be  placed  upon such
Option, or upon Shares which may be issued upon exercise of such Option.

     The  Chairman of the  Committee  and such other  Directors  and officers as
shall be designated by the Committee are hereby authorized to execute Agreements
on behalf of the Company and to cause them to be delivered to the  recipients of
the Options.

     (d) Effect of the Committee's Decisions. All decisions,  determinations and
interpretations  of the Committee  shall be final and  conclusive on all persons
affected thereby.

     (e) Indemnification. In addition to such other rights of indemnification as
they may have, the members of the Committee  shall be indemnified by the Company
in connection with any claim,  action, suit or proceeding relating to any action
taken or  failure  to act under or in  connection  with the Plan or any  Option,
granted hereunder to the full extent provided for under the Company's  governing
instruments with respect to the indemnification of Directors.

     6. GRANT OF OPTIONS.

     (a)  General  Rule.  The  Committee  shall  have  the  discretion  to  make
discretionary grants of Options to Employees and Directors (including members of
the Committee).  In addition,  the Committee shall automatically make the awards
specified in Paragraph 6(b) hereof.

     (b) Automatic Grants to Employees.  On a date that the Committee selects in
its discretion for initial grants, each of the following Employees shall receive
an Option to purchase the number of Shares  listed below,  at an Exercise  Price
per Share equal to the Market Value of a Share on the Effective  Date;  provided
that  such  grant  shall not be made to an  Employee  whose  Continuous  Service
terminates on or before the Effective Date:

       Participant              Number of Shares
       -----------              ----------------

          Peck                      40,000

     With respect to each of the above-named Participants, the Option granted to
the Participant hereunder (i) shall vest in accordance with the general rule set
forth in  Paragraph  8(a) of the Plan,  (ii) shall have a term of ten years from
the Effective  Date, and (iii) shall be subject to

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the general  rule set forth in  Paragraph  8(c) with  respect to the effect of a
Participant's  termination of Continuous  Service on the Participant's  right to
exercise his Options.

     (c) Special Rules for ISOs. The aggregate  Market Value, as of the date the
Option is granted,  of the Shares with respect to which ISOs are exercisable for
the first time by an Employee  during any  calendar  year  (under all  incentive
stock option plans, as defined in Section 422 of the Code, of the Company or any
present  or  future  Affiliate  of  the  Company)  shall  not  exceed  $100,000.
Notwithstanding the foregoing,  the Committee may grant Options in excess of the
foregoing  limitations,  in which  case such  Options  granted in excess of such
limitation shall be Options which are Non-ISOs.

     7. EXERCISE PRICE FOR OPTIONS.

     (a)Limits on Committee Discretion.  The Exercise Price as to any particular
Option shall not be less than 100% of the Market Value of the Optioned Shares on
the date of grant. In the case of an Employee who owns Shares  representing more
than 10% of the Company's  outstanding Shares of Common Stock at the time an ISO
is granted,  the Exercise  Price shall not be less than 110% of the Market Value
of the Optioned Shares at the time the ISO is granted.

     (b)Standards for Determining  Exercise Price. If the Common Stock is listed
on a national  securities exchange (including the NASDAQ National Market System)
on the date in question,  then the Market Value per Share shall be the last sale
price on such  exchange  on such  date,  or if there were no sales on such date,
then on the next prior  business  day on which  there was a sale.  If the Common
Stock is traded otherwise than on a national  securities exchange on the date in
question,  then the Market Value per Share shall be the mean between the bid and
asked  price on such date,  or, if there is no bid and asked price on such date,
then on the next prior business day on which there was a bid and asked price. If
no such sale  price or bid and asked  price is  reasonably  available,  then the
Market  Value per Share  shall be its fair  market  value as  determined  by the
Committee, in its sole and absolute discretion.

     8. EXERCISE OF OPTIONS.

     (a) Generally.  The Committee may impose a vesting schedule in an Agreement
granting an Option.  Notwithstanding the foregoing, an Option shall become fully
(100%) exercisable immediately upon termination of the Participant's  Continuous
Service due to (i) the Participant's Disability, (ii) death, (iii) retirement at
or after  age 62,  or (iv)  upon a  Change  in  Control.  An  Option  may not be
exercised for a fractional Share.

     (b) Procedure for Exercise.  A Participant may exercise an Option,  subject
to provisions relative to its termination and limitations on its exercise,  only
by (1)  written  notice of intent to  exercise  the  Option  with  respect  to a
specified  number of Shares,  and (2) payment to the Company  (contemporaneously
with delivery of such notice) in cash, in Common Stock, or a combination of cash
and Common Stock,  of the amount of the Exercise  Price for the number of Shares
with respect to which the Option is then being exercised.  Each such notice (and
payment where required) shall be delivered,  or mailed by prepaid  registered or
certified  mail,  addressed  to the  Treasurer  of the Company at its  executive
offices.  Common Stock utilized in full or partial payment of the Exercise Price
for Options shall be valued at its Market Value at the date of

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exercise, and may consist of Shares subject to the Option being exercised.

     (c) Period of  Exercisability.  Except to the extent otherwise  provided in
the terms of an  Agreement,  an Option may be  exercised by a  Participant  only
while he is an Employee and has maintained  Continuous  Service from the date of
the grant of the Option, or within one year after termination of such Continuous
Service  (but  not  later  than the date on which  the  Option  would  otherwise
expire), except if the Employee's Continuous Service terminates by reason of -

          (1) "Just Cause" which for purposes  hereof shall have the meaning set
     forth in any  unexpired  employment  or  severance  agreement  between  the
     Participant  and the Bank  and/or the Company  (and,  in the absence of any
     such agreement,  shall mean termination  because of the Employee's personal
     dishonesty,  incompetence,  willful  misconduct,  breach of fiduciary  duty
     involving  personal profit,  intentional  failure to perform stated duties,
     willful  violation  of any law,  rule or  regulation  (other  than  traffic
     violations or similar offenses) or final cease-and-desist  order), then the
     Participant's  rights to exercise  such Option  shall expire on the date of
     such termination;

          (2) death,  then to the extent  that the  Participant  would have been
     entitled to exercise the Option immediately prior to his death, such Option
     of the deceased Participant may be exercised within two years from the date
     of his  death  (but not  later  than the date on  which  the  Option  would
     otherwise expire) by the personal  representatives  of his estate or person
     or persons to whom his rights  under such Option  shall have passed by will
     or by laws of descent and distribution.

     (d) Effect of the  Committee's  Decisions.  The  Committee's  determination
whether a Participant's  Continuous  Service has ceased,  and the effective date
thereof, shall be final and conclusive on all persons affected thereby.

     (e)Mandatory Six-Month Holding Period.  Notwithstanding any other provision
of this Plan to the contrary, Common Stock that is purchased upon exercise of an
Option may not be sold within the six-month  period  following the grant date of
that Option,  except in the event of the Participant's  death or Disability,  or
such other event as the Board may specifically deem appropriate.

     9.  CHANGE IN  CONTROL;  EFFECT OF CHANGES IN COMMON  STOCK  SUBJECT TO THE
PLAN.

     (a)  Change in  Control.  Upon a Change in  Control  or,  if  earlier,  the
execution  of an  agreement  to effect a Change in Control,  all  Options  shall
become fully exercisable, notwithstanding any other provision of the Plan or any
Agreement.

     (b)  Recapitalizations;  Stock  Splits,  Etc. The number and kind of shares
reserved for issuance  under the Plan, and the number and kind of shares subject
to outstanding Options, and the Exercise Price thereof, shall be proportionately
adjusted  for any  increase,  decrease,  change  or  exchange  of  Shares  for a
different  number or kind of shares or other  securities  of the  Company  which
results  from  a  merger,   consolidation,   recapitalization,   reorganization,
reclassification,  stock dividend,  split-up,  combination of shares, or similar
event in which the number or kind of

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shares is  changed  without  the  receipt or  payment  of  consideration  by the
Company.

     (c) Transactions in which the Company is Not the Surviving  Entity.  In the
event of (i) the  liquidation or  dissolution  of the Company,  (ii) a merger or
consolidation  in which the Company is not the  surviving  entity,  or (iii) the
sale or disposition of all or substantially  all of the Company's assets (any of
the  foregoing  to be referred to herein as a  "Transaction"),  all  outstanding
Options,  together with the Exercise Prices thereof, shall be equitably adjusted
for any change or exchange of Shares for a different number or kind of shares or
other securities which results from the Transaction.

     (d) Special Rule for ISOs.  Any adjustment  made pursuant to  subparagraphs
(a) or (b)  hereof  shall  be made  in  such a  manner  as not to  constitute  a
modification,  within the meaning of Section  424(h) of the Code, of outstanding
ISOs.

     (e) Conditions and Restrictions on New, Additional,  or Different Shares or
Securities.  If, by reason of any adjustment made pursuant to this Paragraph,  a
Participant becomes entitled to new, additional, or different shares of stock or
securities,  such new,  additional,  or different  shares of stock or securities
shall thereupon be subject to all of the conditions and restrictions  which were
applicable to the Shares pursuant to the Option before the adjustment was made.

     (f) Other Issuances.  Except as expressly  provided in this Paragraph,  the
issuance by the Company or an Affiliate  of shares of stock of any class,  or of
securities  convertible  into  Shares  or stock of  another  class,  for cash or
property or for labor or services  either upon direct sale or upon the  exercise
of rights or warrants to subscribe therefor, shall not affect, and no adjustment
shall be made with respect to, the number,  class,  or Exercise  Price of Shares
then subject to Options or reserved for issuance under the Plan.

     10. NON-TRANSFERABILITY OF OPTIONS.

     Options may not be sold, pledged,  assigned,  hypothecated,  transferred or
disposed  of in any  manner  other  than by will or by the laws of  descent  and
distribution.  Notwithstanding  the  foregoing,  or any other  provision of this
Plan, a  Participant  who holds Options may transfer such Options (but not ISOs)
to  his or her  spouse,  lineal  ascendants,  lineal  descendants,  or to a duly
established trust for the benefit of one or more of these  individuals.  Options
so  transferred  may  thereafter  be  transferred  only to the  Participant  who
originally  received  the  grant  or to an  individual  or  trust  to  whom  the
Participant  could have  initially  transferred  the  Options  pursuant  to this
Paragraph 10. Options which are transferred  pursuant to this Paragraph 10 shall
be exercisable  by the transferee  according to the same terms and conditions as
applied to the Participant.

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     11. TIME OF GRANTING OPTIONS.

     The date of grant of an Option shall, for all purposes, be the later of the
date on which the Committee makes the determination of granting such Option, and
the  Effective  Date.  Notice  of the  determination  shall  be  given  to  each
Participant to whom an Option is so granted  within a reasonable  time after the
date of such grant.

     12. EFFECTIVE DATE.

     The Plan shall become effective immediately,  but its effectiveness and the
effectiveness  of any  grants of  Options  shall be  contingent  upon the Plan's
approval by a favorable vote of  stockholders  owning at least a majority of the
total votes cast at a duly called meeting of the Company's  stockholders held in
accordance with applicable laws.

     13. MODIFICATION OF OPTIONS.

     At any time,  and from time to time,  the Board may authorize the Committee
to direct  execution of an  instrument  providing  for the  modification  of any
outstanding Option,  provided no such modification shall confer on the holder of
said  Option any right or benefit  which  could not be  conferred  on him by the
grant of a new Option at such time, or impair the Option  without the consent of
the holder of the Option.

     14. AMENDMENT AND TERMINATION OF THE PLAN.

     The  Board may from  time to time  amend  the  terms of the Plan and,  with
respect to any Shares at the time not subject to Options,  suspend or  terminate
the Plan. No amendment, suspension or termination of the Plan shall, without the
consent of any  affected  holders  of an  Option,  alter or impair any rights or
obligations under any Option theretofore granted.

     15. CONDITIONS UPON ISSUANCE OF SHARES.

     (a) Compliance  with Securities  Laws.  Shares of Common Stock shall not be
issued  with  respect to any Option  unless the  issuance  and  delivery of such
Shares shall  comply with all relevant  provisions  of law,  including,  without
limitation,  the Securities Act of 1933, as amended,  the rules and  regulations
promulgated   thereunder,   any  applicable   state   securities  law,  and  the
requirements of any stock exchange upon which the Shares may then be listed.

     (b) Special Circumstances.  The inability of the Company to obtain approval
from any  regulatory  body or authority  deemed by the  Company's  counsel to be
necessary to the lawful issuance and sale of any Shares  hereunder shall relieve
the  Company of any  liability  in respect of the  non-issuance  or sale of such
Shares. As a condition to the exercise of an Option, the Company may require the
person exercising the Option to make such  representations and warranties as may
be necessary to assure the  availability  of an exemption from the  registration
requirements of federal or state securities law.

     (c)  Committee  Discretion.  The  Committee  shall  have the  discretionary
authority to impose in  Agreements  such  restrictions  on Shares as it may deem
appropriate or desirable, including but not limited to the authority to impose a
right of first refusal, or to establish

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repurchase rights, or to pay an Optionee the in-the-money value of his Option in
consideration for its cancellation, or all of these restrictions.

     16. RESERVATION OF SHARES.

     The Company, during the term of the Plan, will reserve and keep available a
number of Shares sufficient to satisfy the requirements of the Plan.

     17. WITHHOLDING TAX.

     The Company's  obligation to deliver  Shares upon exercise of Options shall
be subject to the Participant's  satisfaction of all applicable  federal,  state
and local income and employment tax withholding  obligations.  The Committee, in
its discretion,  may permit the Participant to satisfy the obligation,  in whole
or in part, by irrevocably  electing to have the Company withhold Shares,  or to
deliver to the Company Shares that he already owns,  having a value equal to the
amount  required  to be  withheld.  The value of the Shares to be  withheld,  or
delivered  to the  Company,  shall be based on the Market Value of the Shares on
the  date  the  amount  of  tax  to  be  withheld  is to  be  determined.  As an
alternative,  the Company may retain,  or sell without notice,  a number of such
Shares sufficient to cover the amount required to be withheld.

     18. NO EMPLOYMENT OR OTHER RIGHTS.

     In no event shall an Employee's or Director's eligibility to participate or
participation  in the Plan create or be deemed to create any legal or  equitable
right of the Employee, Director, or any other party to continue service with the
Company,  the Bank, or any Affiliate of such corporations.  Except to the extent
provided in Paragraphs 6(b) and 9(a), no Employee or Director shall have a right
to be granted an Option or,  having  received  an Option,  the right to again be
granted an Option.  However,  an Employee or  Director  who has been  granted an
Option may, if otherwise eligible, be granted an additional Option or Options.

     19. GOVERNING LAW.

     The Plan shall be governed by and construed in accordance  with the laws of
the  Commonwealth  of  Kentucky,  except to the extent that federal law shall be
deemed to apply.

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