EXHIBIT 23

Consent of Independent Public Accountants


We hereby consent to the incorporation by reference of our report dated January 
13, 1996 on the consolidated financial statements of Pikeville National 
Corporation included in its form 10-K for the year ended December 31, 1995, in 
Pikeville National Corporation's previously filed Form S-8 Registration 
Statement No. 33-36165.




Crowe, Chizek and Company LLP


South Bend, Indiana
March 27, 1996 


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