Exhibit 23.1
            Consent of Independent Registered Public Accounting Firm
            --------------------------------------------------------





The Board of Directors
Farmers Capital Bank Corporation:

We consent to the  incorporation by reference in Registration  Statement Numbers
333-63037 and 333-116801 on Forms S-8 of Farmers Capital Bank Corporation of our
reports  dated  February  28,  2005 with  respect to the  consolidted  financial
statements of Farmers Capital Bank Corporation,  and management's  assessment of
the   effectiveness  of  internal  conrol  over  financial   reporting  and  the
effectiveness of internal control over financial reporting, which reports appear
in this Annual Report on Form 10-K of Farmers  Capital Bank  Corporation for the
year ended December 31, 2004.


/s/ Crowe Chizek and Company LLC

Louisville, Kentucky
March 10, 2005