FFKT may have gotten into trouble with too many loans and trying to acquire banks in neighboring counties with larger demand deposits, thus setting itself in the position of being a potential takeover target of one of the banks it acquired (that's really puzzling). Also, why if they are taking over small town community banks are they also attempting to compete with the majors in Lexington and Fayette County who will certainly be able to underbid FFKT on interest rates charged customers and prevent them from operating competitively in that metro area. in other words, it looks like FFKT has screwed itself by lighting the match at both ends. I closed my account, sold my house and moved to louisville last year. I also hear FFKT is contemplating major layoffs due to hard times, which also entails major asset losses resulting from these poor types of operational management decisions.