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EXHIBIT 99.2--HEBRON BANCORP'S FORM OF PROXY

                                 REVOCABLE PROXY
                              HEBRON BANCORP, INC.

                    THIS PROXY IS SOLICITED ON BEHALF OF THE
                   BOARD OF DIRECTORS OF HEBRON BANCORP, INC.

         The undersigned shareholder of Hebron Bancorp, Inc., an Indiana
corporation ("Hebron Bancorp"), hereby nominates, constitutes and appoints
________________ and _____________, or any one of them, as proxy or proxies for
the undersigned, each with full power of substitution and resubstitution, to
vote all of the shares of Hebron Bancorp which the undersigned is entitled to
cast at the special meeting of the Shareholders of Hebron Bancorp to be held at
_____ _.m., local time, on May __, 1999, at the Main Office of Hebron Deposit
Bank, 2652 North Bend Road, Hebron, Kentucky 41048, and at any adjournments
thereof, on the following proposals, all of which are described in the
accompanying Proxy Statement-Prospectus:

         1.       Approval of the Plan and Agreement of Merger.

                  [ ] FOR          [ ] AGAINST         [ ] ABSTAIN


         2.       Adjournment of the special meeting in the event that a
                  sufficient number of votes necessary to approve the Plan and
                  Agreement of Merger at the special meeting is not received.

                  [ ] FOR          [ ] AGAINST         [ ] ABSTAIN

         3.       In their discretion, upon such other matters as may properly
                  come before the special meeting.

         This Revocable Proxy will be voted as directed by the undersigned
shareholder. If no direction is given, this Revocable Proxy will be voted FOR
proposals 1 and 2.

         All proxies previously given by the undersigned are hereby revoked.
Receipt of the Notice of the special meeting of Hebron Bancorp, Inc. and of the
accompanying Proxy Statement is hereby acknowledged.

         This Revocable Proxy may be revoked by the undersigned at any time
before it is exercised by (i) executing and delivering to Hebron Bancorp a later
dated proxy, (ii) attending the special meeting and voting in person, or (iii)
giving written notice of revocation to the Secretary of Hebron Bancorp.

NOTE: Please sign your name exactly as it appears on your stock certificate(s).
Joint accounts require only one signature. If you are signing this Proxy as an
attorney, administrator, agent, corporation, officer, executor, trustee, or
guardian, etc., please add your full title to your signature.


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                                         Signature

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                                         Print Name

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                                         Address

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                                         Dated:___________________, 1999


THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS. PLEASE DATE, SIGN
AND RETURN PROMPTLY IN THE ENCLOSED ENVELOPE. NO POSTAGE IS REQUIRED FOR MAILING
IN THE U.S.A.