Citizens National Bank
Filed
by Farmers Capital Bank Corporation
This
communication is filed pursuant to Rule 425 under the Securities Act of 1933,
as
amended
Subject
Company: Farmers Capital Bank Corporation
Commission
File No.: 333-135267
CITIZENS
NATIONAL BANK
of
Jessamine County
September
15, 2006
Dear
Shareholders:
As
you are aware, Citizens National Bancshares, Inc. (“Citizens”) is party to a
merger agreement with Farmers Capital Bank Corporation (“Farmers Capital”). If
the merger agreement is approved by the shareholders of Citizens at the special
meeting called for September 21, 2006, the closing for the proposed merger
is
anticipated to be held on September 29, 2006 to become effective October 1,
2006. Accordingly, assuming a September 29 closing, your Form of Election
indicating your desire to receive shares of Farmers Capital common stock for
your shares of Citizens common stock must be received by American Stock Transfer
& Trust Company no later than 5:00 p.m., Eastern Daylight Savings Time, on
September 28. If
you have already delivered a Form of Election there is no need for you to
deliver an additional one unless you desire to amend or revoke the
previously-tendered Form of Election.
In
addition, please be advised that, based on a September 29 closing,
the
deemed value of Farmers Capital common stock under the merger agreement to
be
received in exchange for shares of Citizens common stock is $32.30 per
share.
Sincerely,
/s/
Benjamin F. Brown
Benjamin
F. Brown
President
and Chief Executive Officer
This
letter is not a substitute for the information provided to you in the
Proxy-Statement Prospectus dated August 7, 2006, and you are urged to read
that
document as it contains important information. The
Proxy Statement-Prospectus was filed with the Securities and Exchange Commission
as part of a registration statement (Reg. No. 333-135267) and such registration
statement may be viewed without charge at the SEC’s website at www.sec.gov.
Additional copies of the Proxy Statement-Prospectus may be obtained from Farmers
Capital, without charge.
________
201
North Main Street - Nicholasville, Kentucky 40356
Phone
859/885-0900 Fax 859/885-0909