EXHIBIT 21 — SUBSIDIARIES OF THE REGISTRANT

PARENT

First Financial Service Corporation

SUBSIDIARIES	State of Incorporation		Percentage Owned
First Federal Savings Bank of Elizabethtown		Kentucky		100	%
First Service Corporation of Elizabethtown(a)		Kentucky		100	%
First Federal Office Park, LLC(a)		Kentucky		100	%
Heritage Properties, LLC(a)		Kentucky		100	%
First Federal Statutory Trust II(a)		Kentucky		100	%
First Federal Statutory Trust III(a)		Kentucky		100	%

(a) Wholly-owned subsidiaries of First Federal Savings Bank of Elizabethtown.