Exhibit 21.  Subsidiaries of Republic Bancorp, Inc.*

Name of Subsidiary	State in Which Organized
Republic Bank & Trust Company	Kentucky
Republic Bank & Trust Company of Indiana	Indiana
Subsidiaries of Republic Bank & Trust Company*
Republic Financial Services, LLC d/b/a Refunds Now Inc	Kentucky

*Certain subsidiaries are not listed since, considered in the aggregate as a single subsidiary, they would not constitute a significant subsidiary at December 31, 2002.