EXHIBIT 23

                 INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in this  Registration 
Statement of CBT Corporation on Form S-8 of the report of Deloitte
& Touche dated January 28, 1994, incorporated by  reference in the
Annual Report on Form 10-K of CBT Corporation for the  year  ended 
December 31, 1993.

/s/ Deloitte & Touche
Deloitte & Touche 
Louisville, Kentucky
February 07, 1995