UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K
                                 CURRENT REPORT

                         Pursuant to Section 13 or 15(d)
                     of the Securities Exchange Act of 1934

                                 Date of Report
                                 April 18, 2003
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                        FARMERS CAPITAL BANK CORPORATION
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             (Exact name of registrant as specified in its charter)

                                    Kentucky
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                  State or other jurisdiction of incorporation

 0-14412                                                61-1017851
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(Commission File Number)                    (I.R.S. Employer Identification No.)

P.O. Box 309
Frankfort, Kentucky                                       40602
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(Address of principle executive offices)                 (Zip Code)


               Registrant's telephone number, including area code:
                                 (502) 227-1600


                                 Not Applicable
          -------------------------------------------------------------
          (Former name or former address, if changed since last report)




Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits

(c)      Exhibits

Exhibit 99.1 - Press Release Dated April 18, 2003.


Item 9.  Regulation FD Disclosures

The  following  information  is  being  furnished  under  Item 12 -  Results  of
Operations and Financial Condition,  of this Form 8-K in accordance with interim
guidance issued by the SEC in release No. 33-8216.

On April 18,  2003  Farmers  Capital  Bank  Corporation  issued a press  release
announcing  its earnings for the first  quarter  ended March 31, 2003. A copy of
the press release is attached hereto as Exhibit 99.1



                                   SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  has duly  caused  the  report  to be  signed  on its  behalf  by the
undersigned hereunto duly authorized.


                                       Farmers Capital Bank Corporation

April 21, 2003                         By:/s/ G. Anthony Busseni
                                          --------------------------------------
                                          G. Anthony Busseni
                                          President and Chief Executive Officer