EXHIBIT 23.1






                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

We hereby consent to the inclusion in the Registration  Statement on Form S-4 of
First  Security  Bank of  Lexington,  our report  dated  January 27, 2000 on the
financial statements of First Security Bank as of Decmeber 31, 1999 and 1998 and
for the years then  ended and for the period  from  November  17,  1997 (date of
commencement)  through December 31, 1997. We also consent to the reference to us
under the heading "Experts" in the proxy statement-prospectus.

Crowe, Chizek and Company LLP

Lexington, Kentucky

March 27, 2000