Kentucky Bancshares, Inc. is a holding company. It engages in the provision of commercial and consumer banking products. The firm's products include commercial, agricultural, real estate, residential mortgage, installment and other loans, checking, savings, money market accounts, certificates of deposits, safe deposit facilities, credit cards and other consumer-oriented financial services. It also offers brokerage services, annuities, life and long term care insurance, personal trust and agency services. The company was founded in 1981 and is headquartered in Paris, KY.