Kentucky Bancshares, Inc. (Kentucky) is a bank holding company that operates through its wholly owned subsidiary, Kentucky Bank (the Bank). Kentucky Bank is a commercial bank and trust company. KB Special Assets Unit, LLC is the Bank�s wholly owned subsidiary. The Bank provides banking services, including trust services, to customers located in Bourbon, Clark, Elliot, Harrison, Jessamine, Rowan, Scott, Woodford and adjoining counties in Kentucky. The Bank offers its customers a variety of other services, including checking, savings, money market accounts, certificates of deposits, safe deposit facilities, credit cards and other consumer-oriented financial services. Kentucky Bank has Internet banking, including bill payment available to its customers at www.kybank.com. Through its Wealth Management Department, it provides brokerage services, annuities, life and long term care insurance, personal trust and agency services (including management agency services).