EXHIBIT 23.1

                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

We  consent  to  the  use  in  Pre-Effective  Amendment  No.  1  to  Form  SB-2
Registration  Statement (No. 333-43444) 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

September 18, 2000