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 (Date of earliest event reported) - October 4, 2004


                        Farmers Capital Bank Corporation
            --------------------------------------------------------
             (Exact name of registrant as specified in its charter)


            Kentucky                     0-14412                  61-1017851
 -----------------------------    -----------------------   --------------------
(State or other jurisdiction            (Commission              (IRS Employer
       of incorporation)                File Number)         Identification No.)


         P.O. Box 309 Frankfort, KY                                  40602
--------------------------------------------------------    --------------------
  (Address of principal executive offices)                         (Zip Code)


       Registrant's telephone number, including area code - (502)-227-1668


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



Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ]  Written communications  pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

[ ]  Soliciting  material  pursuant to Rule 14a-12 under the Exchange Act (17
     CFR 240.14a-12)

[ ]  Pre-commencement  communications  pursuant  to Rule  14d-2(b)  under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement  communications  pursuant  to Rule  13e-4(c)  under the
     Exchange Act (17 CFR 240.13e-4(c))







ITEM 8.01         OTHER EVENTS


On October 4, 2004 Farmers Capital Bank Corporation  announced that Farmers Bank
and Trust  Co., a wholly  owned bank  subsidiary  headquartered  in  Georgetown,
Kentucky,  opened a branch bank office in downtown  Lexington,  Kentucky  and is
expected to open a second branch in Lexington during 2005.




ITEM 9.01         FINANCIAL STATEMENTS AND EXHIBITS



                  (C)      Exhibits



Exhibit  99.1 - Press  Release  dated  October  4, 2004  announcing  the  matter
referenced in Item 8.01 above.











                                   SIGNATURES

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



                                          Farmers Capital Bank Corporation


Date October 4, 2004                      /s/ G. Anthony Busseni
     -------------------------------      --------------------------------------
                                          G. Anthony Busseni
                                          President and Chief Executive Officer