EXHIBIT 23.2
 
                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS
 
  We hereby consent to the incorporation by reference in the Registration
Statement on Form S-3 pertaining to the Community Trust Bancorp, Inc. CTBI
Preferred Capital Trust of our report dated January 13, 1996 with respect to
the consolidated financial statements of Community Trust Bancorp, Inc.
(formerly Pikeville National Corporation) included in the Annual Report (Form
10-K) for the year ended December 31, 1995. We also consent to the reference
to us under the heading "Experts" in the prospectus.
 


/s/ Crowe, Chizek and Company LLP
Crowe, Chizek and Company LLP 

South Bend, Indiana
March 21, 1997