EXHIBIT 21 Subsidiaries of the Registrant The Corporation has five subsidiaries as of January 1, 1998. Percent Voting Stock Jurisdiction of Shares Owned Held by Organization By Corporation Corporation --------------- -------------- ------------ Community Trust Bank, NA United States 285,000 Common 100% Pikeville, Kentucky Community Trust Bank, FSB United States 100 Common 100% Campbellsville, Kentucky Trust Company of United States 500 Common 100% Kentucky, NA Ashland, Kentucky Community Trust Funding Corp Delaware 100 Common 100% CTBI Preferred Capital Trust Delaware 42,720 Common Trust Securities 100% All shares of Community Trust Bank, FSB are pledged as collateral on the bank note outstanding to Star Bank, Cincinnati, Ohio. 51