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Community First Bancorp, Inc.
240 S. Main Street
Madisonville, Kentucky 42431-7505
(xxx) xxx-xxxx
Stock Order and Certification Form
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Deadline: The Subscription Offering ends at 12:00 Noon, Kentucky time, on Xxx
xx, 2003. Your original Stock Order and Certification Form, properly executed
and with the correct payment, must be received (not postmarked) at the address
on the top of this form, or at Community First Bank office, by the deadline,
or it will be considered void. Faxes or copies of this form will not be
accepted.
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(1) Number of Shares Price Per Share (2) Total Amount Due
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x $10.00 = $
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Minimum - 25 shares.
Maximum - 5,000 shares or 15x the percentage of total qualifying deposits the
depositor held on the record date with a maximum of 10,000; 10,000
for persons acting in concert.
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Method of Payment
(3) [_] Enclosed is a check, bank draft or money order payable to Community
First Bancorp, Inc. for $______________.

(4) [_] I authorize Community First Bank to make withdrawals from my
certificate or savings account(s) shown below, and understand that
the amounts will not otherwise be available for withdrawal:

Account Number(s) Amount(s)
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Total Withdrawal
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There is NO penalty for early withdrawal.
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(5) Purchaser Information (check due)

a [_] Eligible Account Holder - Check here if you were a depositor with at
least $50 on deposit with Community First Bank as of December 31,
2001. Enter information in Section 8 for all deposit accounts that you
had at Community First Bank on December 31, 2001.

b. [_] Supplemental Eligible Account Holder - Check here if you were a
depositor with at least $50 on deposit with Community First Bank as of
March 31, 2003 but are not an Eligible Account Holder. Enter
information in Section 8 for all deposit accounts that you had at
Community First Bank on March 31, 2003.

c. [_] Other Member - Check here if you were a depositor of Community First
Bank as of April 30, 2003, but are not an Eligible or a Supplemental
Eligible Account Holder. Enter information in Section 8 for all
accounts that you had at Community First Bank on April 30, 2003.

d. [_] Local Community - Natural persons and trusts of natural persons
residing in Hopkins County, Kentucky

e. [_] General Public - Check here if none of the above apply.
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(6) [_] Check here if you are a director, officer or employee of Community
First Bank or a member of such person's immediate family
(same household).
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(7) [_] NASD Affiliation - see description on reverse side of this form.
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(8) Please review the preprinted account information listed below. The
accounts printed below may not be all of your qualifying accounts or even
your accounts as of the earliest of the three dates if you have changed
names on the accounts. You should list any other accounts that you may
have or had with Community First Bank in the box below. SEE THE STOCK
ORDER FORM INSTRUCTIONS SHEET FOR FURTHER INFORMATION. All subscription
orders are subject to the provisions of the Plan of Conversion.
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Additional Qualifying Accounts

Account Title (Names on Accounts) Account Number
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Please Note: Failure to list all of your accounts may result in the loss of
part or all of your subscription rights (additional space on back of form).
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(9) Stock Registration - Please Print Legibly and Fill Out Completely
(Note: The stock certificate and all correspondence related to this stock
order will be mailed to the address provided below)

[_] Individual [_] Uniform Transfer to Minors Act [_] Partnership
[_] Joint Tenants [_] Uniform Gift to Minors Act [_] Individual Retirement Account
[_] Tenants in Common [_] Corporation [_] Fiduciary/Trust (Under Agreement Dated _____________)

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Name Social Security or Tax I.D.
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Name Social Security or Tax I.D.
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Mailing Daytime
Address Telephone
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Zip Evening
City State Code Country Telephone
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ACKNOWLEDGMENT By signing below, I acknowledge receipt of the Prospectus dated
Xxxxxx xx, 2003 and understand I may not change or revoke my order once it is
received by Community First Bancorp, Inc. Applicable regulations prohibit any
persons from transferring, or entering into any agreement directly or
indirectly to transfer, the legal or beneficial ownership of subscription
rights or the underlying securities to the account of another person.
Community First Bancorp, Inc. will pursue any and all legal and equitable
remedies in the event it becomes aware of the transfer of subscription rights
and will not honor orders known by it to involve such transfer. Under
penalties of perjury, I further certify that: (1) the social security number
or taxpayer identification number given above is correct and (2) I am not
subject to backup withholding. You must cross out item (2) in this
acknowledgement if you have been notified by the Internal Revenue Service that
you are subject to backup withholding because of under-reporting interest or
dividends on your tax return. By signing below, I also acknowledge that I have
not waived any rights under the Securities Act of 1933 and the Securities
Exchange Act of 1934, both as amended.

Signature: THIS FORM MUST BE SIGNED AND DATED BELOW AND ON THE BACK OF THIS
FORM. This order is not valid if the Stock Order and Certification Form are
not both signed and properly completed. Your order will be filled in
accordance with the provisions of the Plan of Conversion as described in the
Prospectus. An additional signature is required only if payment is by
withdrawal from an account that requires more than one signature to withdraw
funds.

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Signature Date

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Office Use Only Check # _______________ _______________

Date Rec'd _______/_______ Ck. Amt. _______________ _______________

Batch # __________ - Order # ______________________ Category _____________
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Community First Bancorp
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Item (7) continued - NASD Affiliation (this section only applies to those
individuals who meet the delineated criteria)

Check the box if you are a member of the National Association of Securities
Dealers, Inc. ("NASD"), a person associated with an NASD a member, a member of
the immediate family of any such person to whose support such person
contributes, directly or indirectly, or the holder of an account in which an
NASD member or person associated with an NASD has a beneficial interest. To
comply with conditions under which an exemption from the NASD's Interpretation
With Respect to Free-Riding and Withholding is available, you agree, if you have
checked the NASD affiliation box: (1) not to sell, transfer or hypothecate the
stock for a period of three months following the issuance and (2) to report
this subscription in writing to the applicable NASD member within one day of the
payment therefor.
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Item (8) continued; Purchaser Information

Account Title (Names on Accounts) Account Number
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CERTIFICATION FORM

(This Certification Must Be Signed In Addition to the Stock Order Form On
Reverse Side)

I ACKNOWLEDGE THAT THIS SECURITY IS NOT A DEPOSIT OR AN ACCOUNT AND IS
NOT FEDERALLY INSURED, AND IS NOT GUARANTEED BY COMMUNITY FIRST BANK OR BY
THE FEDERAL GOVERNMENT.

If anyone asserts that this security is federally insured or guaranteed,
or is as safe as an insured deposit, I should call the Office of Thrift
Supervision Regional Director - John E. Ryan at (404) 888-0771.

I further certify that, before purchasing the shares of common stock of
Community First Bancorp, I received a copy of the Prospectus dated
______________ xx. The prospectus discloses the nature of the security
being offered and describes the risks involved in the investment,
including:

1. We have not been profitable during the past several years and there is
no assurance that we will be profitable following the conversion.
2. Our planned new branch is likely to reduce our near-term
profitability.
3. We could incur unanticipated costs in our planned system conversion.
4. The small amount of stock being offered makes it unlikely that an
active and liquid trading market will develop, and the liquidity and
price of the stock may be adversely affected by the limited trading
market.
5. It is unlikely that we will pay dividends in the foreseeable future.
6. There are increased lending risks associated with nonresidential
lending.
7. If our allowance for loan losses is not sufficient to cover actual
loan losses, our earnings could decrease.
8. Changes in interest rates could adversely affect our results of
operations and financial condition.
9. Our future growth and profitability may be limited by competition and
conditions in our market area.
10. The loss of our chief executive officer could hurt our operations
11. Our articles of incorporation and bylaws include anti-takeover
provisions which, together with statutory anti-takeover provisions to
which we are subject, could discourage hostile acquisitions of control
12. We intend to remain independent after the conversion and you should
not expect a takeover premium for our common stock in the near future.
13. Expected voting control by management and employees could enable
insiders to prevent a merger that may provide stockholders a premium
for their shares.
14. The implementation of stock-based benefit plans may dilute your
ownership interest.
15. Your subscriptions for common stock cannot be modified or canceled
except in limited circumstances.
16. We have broad discretion in allocating the net proceeds of the
offering.
17. There may be adverse tax consequences as a result of your receipt of
the subscription rights.

Federal Regulations prohibit any person from transferring or entering
into any agreement directly or indirectly to transfer the legal or beneficial
ownership of conversion subscription rights, or the underlying securities to the
account of another.
Under penalty of perjury, I certify that I, ,
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am purchasing shares solely for my account and that there is no agreement or
understanding regarding the sale or transfer of such shares, or my right to
subscribe for shares.

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Signature Date Signature Date

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(Note: If shares are to be held jointly, both parties must sign)
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EXECUTION OF THIS CERTIFICATION FORM WILL NOT CONSTITUTE A WAIVER OF ANY RIGHTS
THAT A PURCHASER MAY HAVE UNDER THE SECURITIES ACT OF 1933 AND THE SECURITIES
EXCHANGE ACT OF 1934, BOTH AS AMENDED. THE SHARES OF COMMON STOCK BEING OFFERED
ARE NOT SAVINGS ACCOUNTS OR DEPOSITS AND ARE NOT INSURED OR GUARANTEED BY THE
FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENT AGENCY.

Community First Bancorp, Inc. Stock Order Form Instructions

All subscription orders are subject to the provisions of the Plan of Conversion.
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Items 1 and 2 - Fill in the number of shares that you wish to purchase and the
total payment due. The amount due is determined by multiplying the number of
shares ordered by the subscription price of $10.00 per share. The minimum
purchase is 25 shares. The maximum purchase for any person is 5,000 shares of
common stock except that (subject to the availability of shares and the overall
purchase limit) depositors as of December 31, 2001 and March 31, 2003 will have
the right to purchase a percentage of the shares offered proportionate to the
percentage of qualifying deposits they held on those dates. The maximum purchase
for persons acting in concert is 10,000 shares of common stock. For additional
information and limits, see "Community First Bank's Conversion - Limitations on
Stock Purchases" in the Prospectus.

Item 3 - Payment for shares may be made in cash (only if delivered by you in
person, although we request that you exchange the cash for a check with a teller
at Community First Bank ) or by check, bank draft or money order payable to
Community First Bancorp, Inc. DO NOT MAIL CASH. Your funds will earn interest at
the passbook rate until the Conversion is completed.

Item 4 - To pay by withdrawal from a savings account or certificate of deposit
at Community First Bank, insert the account number(s) and the amount(s) you wish
to withdraw from each account. If more than one signature is required for a
withdrawal, all signatories must sign in the signature box on the front of this
form. To withdraw from an account with checking privileges, please write a
check. Community First Bank will waive any applicable penalties for early
withdrawal from certificate of deposit accounts. A hold will be placed on the
account(s) for the amount(s) you indicate to be withdrawn. Payments will remain
in the account(s) until the stock offering closes and earn their respective rate
of interest.

Item 5 - Please check the appropriate box to tell us the earliest of the three
dates that applies to you.

Item 6 - Please check this box if you are a director, officer or employee of
Community First Bank, or a member of such person's household.

Item 7 - Please check this box if you have a National Association of Securities
Dealers, Inc. ("NASD") affiliation (as defined on the reverse side of the Stock
Order Form.)

Item 8 - Please review the preprinted qualifying account number(s) information.
The account number(s) listed may not be all of your account number(s). You
should list any other qualifying accounts that you may have or had with
Community First Bank in the box located under the heading "Additional Qualifying
Accounts". These may appear on other Stock Order Forms you have received. For
example, if you are ordering stock in just your name, you should list all of
your deposit accounts as of the earliest of the three dates that you were a
depositor. Similarly, if you are ordering stock jointly with another depositor,
you should list all deposit accounts under which either of you are owners, i.e.
individual accounts, joint accounts, etc. If you are ordering stock in your
minor child's or grandchild's name under the Uniform Transfers to Minors Act,
the minor must have had a deposit account on one of the three dates and you
should list only their account number(s). If you are ordering stock through a
corporation, you need to list just that corporation's deposit accounts, as your
individual account(s) do not qualify. Failure to list all of your qualifying
accounts may result in the loss of part or all of your subscription rights.

Item 9 - The stock transfer industry has developed a uniform system of
shareholder registrations that we will use in the issuance of Community First
Bancorp, Inc. common stock. Please complete this section as fully and accurately
as possible, and be certain to supply your social security or Tax I.D. number(s)
and your daytime and evening phone numbers. We will need to call you if we
cannot execute your order as given. If you have any questions regarding the
registration of your stock, please consult your legal advisor. Subscription
rights are not transferable. If you are an eligible or supplemental eligible
account holder or other member, to protect your priority over other purchasers
as described in the Prospectus, you must take ownership in at least one of the
account holder's names.

PLEASE BE SURE TO SIGN THE CERTIFICATION FORM ON THE BACK OF THE FORM

(See Reverse Side for Stock Ownership Guide)

Community First Bancorp, Inc. Stock Ownership Guide

Individual - The stock is to be registered in an individual's name only. You may
not list beneficiaries for this ownership.

Joint Tenants - Joint tenants with rights of survivorship identifies two or more
owners. When stock is held by joint tenants with rights of survivorship,
ownership automatically passes to the surviving joint tenant(s) upon the death
of any joint tenant. You may not list beneficiaries for this ownership.

Tenants in Common - Tenants in common may also identify two or more owners. When
stock is to be held by tenants in common, upon the death of one co-tenant,
ownership of the stock will be held by the surviving co-tenant(s) and by the
heirs of the deceased co-tenant. All parties must agree to the transfer or sale
of shares held by tenants in common. You may not list beneficiaries for this
ownership.

Uniform Transfers To Minors Act - For residents of Kentucky and many states,
stock may be held in the name of a custodian for the benefit of a minor under
the Uniform Transfers to Minors Act. For residents in other states, stock may be
held in a similar type of ownership under the Uniform Gifts to Minors Act of the
individual state. For either ownership, the minor is the actual owner of the
stock with the adult custodian being responsible for the investment until the
child reaches legal age. Only one custodian and one minor may be designated.

Instructions: On the first name line, print the first name, middle initial and
last name of the custodian, with the abbreviation "CUST" after the name. Print
the first name, middle initial and last name of the minor on the second name
line followed by the notation UTMA-KY or UGMA-Other State. List only the minor's
social security number.

Corporation/Partnership - Corporations/Partnerships may purchase stock. Please
provide the Corporation/Partnership's legal name and Tax I.D. number. To have
depositor rights, the Corporation/Partnership must have an account in its legal
name. Please contact the Stock Information Center to verify depositor rights and
purchase limitations.

Individual Retirement Account - Individual Retirement Account ("IRA") holders
may make stock purchases from their deposits through a prearranged
"trustee-to-trustee" transfer. Stock may only be held in a self-directed IRA.
Please contact the Stock Information Center if you have any questions about your
IRA account and please do not delay in exploring this option.

Registration for IRA's: On Name Line 1 - list the name of the broker or trust
department followed by CUST or TRUSTEE.
On Name Line 2 - FBO (for benefit of)
YOUR NAME IRA a/c #______.
Address will be that of the broker/trust department
to where the stock certificate will be sent.
The Social Security / Tax I.D. number(s) will be
either yours or your trustees, as they direct.
Please list your phone numbers.

Fiduciary/Trust - Generally, fiduciary relationships (such as Trusts, Estates,
Guardianships, etc.) are established under a form of trust agreement or pursuant
to a court order. Without a legal document establishing a fiduciary
relationship, your stock may not be registered in a fiduciary capacity.

Instructions: On the first name line, print the first name, middle initial and
last name of the fiduciary if the fiduciary is an individual. If the fiduciary
is a corporation, list the corporate title on the first name line. Following the
name, print the fiduciary title such as trustee, executor, personal
representative, etc. On the second name line, print the name of the maker, donor
or testator or the name of the beneficiary. Following the name, indicate the
type of legal document establishing the fiduciary relationship (agreement, court
order, etc.). In the blank after "Under Agreement Dated," fill in the date of
the document governing the relationship. The date of the document need not be
provided for a trust created by a will.

(See Reverse Side for Stock Order Form Instructions)