The following lenders are eligible to participate in the Kentucky Small Business Credit Initiative (KSBCI). Please note each lender’s area of service and primary contact.

This list will be updated as additional lenders are approved to participate in the program.

For more information, please contact Mark Johnson with the Cabinet for Economic Development’s Small Business Services Division at 1-800-626-2930 or via email: cedsbsd@ky.gov.

Citizens Deposit Bank
Greg Hambrick, Loan Officer
ghambrick@cdbky.com
Bardwell, KY 42023
Phone (270) 628-9199
Fax (270) 628-0277

Service Area:
Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall, McCracken

Citizens First Bank
Karisa Peterson, Vice President
kpeterson@citizensfirstbank.com
P.O. Box 697
Glasgow, KY 42142
Phone (270) 659-4003
Fax (270) 651-6619

Service Area:
Allen, Barren, Butler, Edmonson, Hart, Logan, Metcalfe, Monroe, Simpson, Warren

Commercial Bank
Howard Elam, V.P.
Howard.Elam@cbwl.cc
West Liberty, KY 41472
Phone (606) 743-3195
Fax (606) 743-9824

Service Area:
Elliott, Magoffin, Menifee, Morgan, Rowan, Wolf

Community Trust Bank, Inc.
Terry Spears, SBA Officer
spearste@ctbi.com
Pikeville, KY 41501
Phone (606) 437-3216
Fax (606) 433-4876

Service Area:
All Kentucky Counties

Community Ventures Corporation
Lamar Davis, Executive Vice President
ldavis@cvcky.org
Lexington, KY 40505
Phone (859) 231-0054
Fax (859) 231-0261

Service Area:
All Kentucky Counties

Farmers Bank and Capital Trust Co.
Zach Moore, V.P. Commercial Lender
zmoore@farmersbankky.com
Frankfort, KY 40602
Phone: 502-227-1600
Fax: 502-227-1676

Service Area:
Anderson, Boyle, Franklin, Henry, Mercer, Owen, Scott, Shelby, Woodford

Farmers Bank and Trust Company of Marion, Kentucky
Terry L. Emrick, Sr. Lending Officer
TEmrick@FarmersBankMarion.com
Marion, KY 42064
Phone (270) 965-1820
Fax (270) 965-3604

Service Area:
Caldwell, Crittenden, Livingston

Farmers National Bank of Danville
Jesse Johnson, Assistant Vice President
Jesse.Johnson@fnbky.com
304 W. Main St
Danville, KY 40422
Phone (859) 238-0665
Fax (859) 238-9731

Service Area:
Boyle, Casey, Fayette, Garrard, Jessamine, Lincoln, Marion, Mercer, Washington

Fifth Third Bank
Kathy Pleasant, Vice President
Kathy.Pleasant@53.com
Louisville, KY 40202
Phone (502) 562-8162
Fax (502) 562-5294

Service Area:
All Kentucky Counties

First National Bank of Grayson
Eric Stinson, V.P. Commercial Lending
estinson@fnbgrayson.com
Grayson, KY 41143
Phone (606) 474-2000
Fax (606) 474-6626

Service Area:
Boyd, Carter, Elliott, Lewis, Magoffin, Menifee, Morgan, Rowan

First Southern National Bank
Doug Daniel, Loan Admin. Mgr.
ddaniel@fsnb.net
Stanford, KY 40484
Phone (606) 365-6971
Fax (606) 365-4957

Service Area:
Allen, Ballard, Bourbon, Boyle, Butler, Caldwell, Carlisle, Casey, Christian, Clark, Crittenden, Edmonson, Estill, Fayette, Garrard, Graves, Hopkins, Jackson, Jessamine, Laurel, Lincoln, Logan, Lyon, Madison, McCracken, McCreary, Mercer, Muhlenburg, Pulaski, Rockcastle, Russell, Scott, Simpson, Todd, Trigg, Warren, Wayne, Woodford

Forcht Bank, NA
Michael D. Sharpe; London/Williamsburg Market President
misharpe@forchtbank.com
London, KY 40743
Phone (606) 862-5720
Fax (606) 877-5909

Service Area:
Boone, Fayette, Grant, Green, Knox, Jefferson, Laurel, Madison, McCreary, Pulaski, Taylor, Whitley

Franklin Bank and Trust Company
Kirk Pierce, Sr. Vice President
kirk_pierce@fbtco.com
Franklin, KY 42135-0449
Phone (270) 586-2598
Fax (270) 586-2550

Service Area:
Allen, Barren, Butler, Edmonson, Logan, Simpson, Warren

Huntington National Bank
Pam Rice, Senior Product Manager
Pam.Rice@huntington.com
Columbus, OH 43219
Phone (614) 331-6590
Fax (877) 230-0531

Service Area:
Boone, Campbell, Kenton

Kentucky Bank
Allen J. (AJ) Gullett, Credit Analyst
agullett@kybank.com
Paris, KY 40361
Phone (859) 988-1341
Fax (859) 987-5822

Service Area:
Bourbon, Clark, Elliott, Fayette, Franklin, Harrison, Jessamine, Madison, Rowan, Scott, Woodford

Kentucky Farmers Bank
Jeffrey D. Elswick, Sr. V.P./ Chief Commercial Lender
jelswick@kentuckyfarmersbank.com
Ashland, KY 41101
Phone (606) 929-5071
Fax (606) 929-5196

Service Area:
Boyd, Carter, Greenup

Kentucky Highlands Investment Corporation
Jerry Rickett, President
JRickett@khic.org
London, KY 40743
Phone (606) 864-5175
Fax (606) 864-5194

Service Area:
Bell, Clay, Clinton, Cumberland, Estill, Harlan, Jackson, Knox, Laurel, Lee, Leslie, Letcher, Lincoln, Madison, McCreary, Owsley, Perry, Pulaski, Rockcastle, Russell, Wayne, Whitley

MainSource Bank
Larry Tracey, Commercial Banking Market Director
LMTracey@MainSourceBank.com
Frankfort, KY 40601
Phone (502) 783-1820
Fax (502) 875-4525

Service Area:
Adair, Anderson, Bath, Boone, Bourbon, Boyle, Bracken, Breckinridge, Bullitt, Carroll, Casey, Clark, Daviess, Edmonson, Estill, Fayette, Fleming, Franklin, Gallatin, Garrard, Grant, Grayson, Green, Hancock, Hardin, Harrison, Hart, Henderson, Henry, Jackson, Jefferson, Jessamine, Kenton, LaRue, Laurel, Lincoln, Madison, Marion, Meade, Menifee, Mercer, Montgomery, Nelson, Nicholas, Ohio, Oldham, Owen, Pendleton, Powell, Pulaski, Robertson, Rockcastle, Russell, Scott, Shelby, Spencer, Taylor, Trimble, Washington, Wayne, Woodford

Mountain Association for Community Economic Development (MACED)
Paul Wright, Enterprise Development Program Director
pwright@MACED.org
433 Chestnut Street
Berea, KY 40403
Phone (859) 986-2373
Fax (859) 986-1299

Service Area:
Adair, Bath, Bell, Boyd, Breathitt, Casey, Carter, Clark, Clay, Clinton, Cumberland, Edmonson, Elliott, Estill, Fleming, Floyd, Garrard, Green, Greenup, Harlan, Hart, Jackson, Johnson, Knott, Knox, Laurel, Lawrence, Lee, Leslie, Letcher, Lewis, Lincoln, Metcalfe, McCreary, Madison, Magoffin, Martin, Menifee, Monroe, Montgomery, Morgan, Nicholas, Owsley, Perry, Pike, Powell, Pulaski, Robertson, Rockcastle, Rowan, Russell, Wayne, Whitley, Wolfe

Republic Bank & Trust Company
Justin Breitenstein, Assistant Vice President
jbreitenstein@republicbank.com
661 South Hurstbourne Pkwy.
Louisville, KY 40299
Phone (502) 394-4411
Service Area:
Jefferson, Oldham, Hardin, Shelby, Bullitt, Boone, Kenton, Campbell, Fayette, Franklin, Scott, Henderson, and Daviess

South Central Bank, Inc.
Mr. Kelcey Rock, Commercial Loan Officer
Kelcey.Rock@southcentralbank.com
Glasgow, KY 42141
Phone: 270-629-1361
Fax: 270-651-6580

Service Area:
Allen, Barren, Daviess, Edmonson, Fayette, Hardin, Hart, Larue, Metcalfe, Monroe, Pulaski, Simpson, Warren

Southeast Kentucky Economic Development Corporation, Inc. (SKED)
Michael J. Bush, Director of Lending
mbush@centertech.com
2292 South Highway 27
Somerset, KY 42501
Phone (606) 677-6046
Fax (606) 656-0256

Service Area:
Adair, Bath, Bell, Breathitt, Casey, Clay, Clinton, Cumberland, Estill, Floyd, Garrard, Green, Harlan, Jackson, Jessamine, Johnson, Knott, Knox, Laurel, Lawrence, Lee, Leslie, Letcher, Lincoln, Magoffin, Martin, McCreary, Menifee, Metcalfe, Monroe, Morgan, Owsley, Perry, Pike, Pulaski, Rockcastle, Rowan, Russell, Taylor, Wayne, Whitley and Wolfe.

THE BANK – Oldham County, Inc
Jason D. Morgan, Vice President
jmorgan@thebankoc.com
LaGrange, KY
Phone (502) 222-2100
Fax (502) 222-3266

Service Area:
Oldham, Jefferson, Henry

The Cecilian Bank
Tracie Oliver, Loan Officer
TOliver@cecilianbank.com
Elizabethtown, KY 42701
Phone (270) 737-1593
Fax (270) 737-6391

Service Area:
Breckinridge, Grayson, Hardin, Meade