-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 UnT7+MMEKI/jm0aFrCuFODShjxhdBfBkEYM0MlWJ1hUy/7Okn0jvXdASBOs/zXM/
 EFkTsdpAyYfZeNhIQ7Kcjw==

<SEC-DOCUMENT>0000713095-03-000019.txt : 20031023
<SEC-HEADER>0000713095-03-000019.hdr.sgml : 20031023
<ACCEPTANCE-DATETIME>20031023102526
ACCESSION NUMBER:		0000713095-03-000019
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031022
FILED AS OF DATE:		20031023

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			CARPENTER C DOUGLAS
		CENTRAL INDEX KEY:			0001237372

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14412
		FILM NUMBER:		03953239

	MAIL ADDRESS:	
		STREET 1:		POST OFFICE BOX 309
		CITY:			FRANKFORT
		STATE:			KY
		ZIP:			40602-0309

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FARMERS CAPITAL BANK CORP
		CENTRAL INDEX KEY:			0000713095
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				611017851
		STATE OF INCORPORATION:			KY
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 309
		STREET 2:		202 W MAIN ST
		CITY:			FRANKFORT
		STATE:			KY
		ZIP:			40602
		BUSINESS PHONE:		5022271668

	MAIL ADDRESS:	
		STREET 1:		P O BOX 309
		STREET 2:		202 WEST MAIN STREET
		CITY:			FRANKFORT
		STATE:			KY
		ZIP:			40602
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>form4-102203_ex.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<!-- - EDGAR Ease Plus 1.0                                   07/25/03  TT    -->
<ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>
   <periodOfReport>2003-10-22</periodOfReport>
   <notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0000713095</issuerCik>
        <issuerName>FARMERS CAPITAL BANK CORP</issuerName>
        <issuerTradingSymbol>FFKT</issuerTradingSymbol>
   </issuer>
   <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001237372</rptOwnerCik>
            <rptOwnerName>CARPENTER C DOUGLAS</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>P.O. BOX 309</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>FRANKFORT</rptOwnerCity>
            <rptOwnerState>KY</rptOwnerState>
            <rptOwnerZipCode>40602</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
         <isDirector>0</isDirector>
         <isOfficer>1</isOfficer>
         <isTenPercentOwner>0</isTenPercentOwner>
         <isOther>0</isOther>
         <officerTitle>VP, Secretary, &amp; CFO</officerTitle>
      </reportingOwnerRelationship>
   </reportingOwner>
 <nonDerivativeTable>
   <nonDerivativeTransaction>
      <securityTitle>
         <value>Common Stock, $0.125 Par Value</value>
      </securityTitle>
      <transactionDate>
         <value>2003-10-22</value>
      </transactionDate>
      <transactionCoding>
         <transactionFormType>4</transactionFormType>
         <transactionCode>X</transactionCode>
         <equitySwapInvolved>0</equitySwapInvolved>
      </transactionCoding>
      <transactionAmounts>
         <transactionShares>
           <value>500</value>
         </transactionShares>
         <transactionPricePerShare>
           <value>34.51</value>
         </transactionPricePerShare>
         <transactionAcquiredDisposedCode>
           <value>D</value>
         </transactionAcquiredDisposedCode>
      </transactionAmounts>
      <postTransactionAmounts>
         <sharesOwnedFollowingTransaction>
           <value>1850.20</value>
            <footnoteId id="F1"/>
         </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
         <directOrIndirectOwnership>
            <value>D</value>
         </directOrIndirectOwnership>
      </ownershipNature>
   </nonDerivativeTransaction>
 </nonDerivativeTable>
 <derivativeTable>
   <derivativeTransaction>
      <securityTitle>
         <value>Common Stock, $0.125 Par Value</value>
      </securityTitle>
      <conversionOrExercisePrice>
         <value>24.50</value>
      </conversionOrExercisePrice>
      <transactionDate>
         <value>2003-10-22</value>
      </transactionDate>
      <transactionCoding>
         <transactionFormType>4</transactionFormType>
         <transactionCode>M</transactionCode>
         <equitySwapInvolved>0</equitySwapInvolved>
      </transactionCoding>
      <transactionAmounts>
         <transactionShares>
           <value>500</value>
         </transactionShares>
         <transactionPricePerShare>
           <value>24.50</value>
         </transactionPricePerShare>
         <transactionAcquiredDisposedCode>
           <value>D</value>
         </transactionAcquiredDisposedCode>
      </transactionAmounts>
      <exerciseDate>
         <value>1998-09-09</value>
      </exerciseDate>
      <expirationDate>
         <value>2006-09-09</value>
      </expirationDate>
      <underlyingSecurity>
         <underlyingSecurityTitle>
           <value>Common Stock, $0.125 Par Value</value>
         </underlyingSecurityTitle>
         <underlyingSecurityShares>
           <value>500</value>
         </underlyingSecurityShares>
      </underlyingSecurity>
      <postTransactionAmounts>
         <sharesOwnedFollowingTransaction>
           <value>7071.71</value>
         </sharesOwnedFollowingTransaction>
      </postTransactionAmounts>
      <ownershipNature>
         <directOrIndirectOwnership>
           <value>D</value>
         </directOrIndirectOwnership>
      </ownershipNature>
   </derivativeTransaction>
 </derivativeTable>
   <footnotes>
      <footnote id="F1"> In addition to the 1,850.20 shares directly owned, Mr. Carpenter indirectly owns 114.26 shares for each of his two sons.</footnote>
   </footnotes>
   <ownerSignature>
      <signatureName>Doug Carpenter</signatureName>
      <signatureDate>2003-10-22</signatureDate>
   </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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