EXHIBIT 23.1

                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

We  consent  to the use in this  Registration  Statement  on Form  SB-2 of First
Security  Bancorp,  Inc.,  of our report dated January 27, 2000 on the financial
statements of First Security Bancorp,  Inc. as of December 31, 1999 and 1998 and
for the years  then  ended.  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

Lexington, Kentucky

August 8, 2000