June 30, 2003

Central Bank names Ryan D. Foster Retail Banking Officer

Lexington, KY. -- Central Bank chairman, president and CEO, Luther Deaton, Jr., has announced the promotion of Ryan D. Foster to retail banking officer at the Eastland Banking Center.

Mr. Foster joined Central Bank in 2000, beginning as a teller. He later became a personal banker and most recently a retail manager at the Southland Banking Center. Mr. Foster's responsibilities include overseeing the Eastland Banking Center with its business development, consumer and commercial loans, coaching, sales, staff management and community involvement.

A native of Lexington, Mr. Foster is a graduate of Tates Creek High School and the University of Kentucky receiving his Bachelor's Degree in Business Administration majoring in Finance.

Ryan currently lives in Lexington.

Central Bank is a subsidiary of Central Bancshares, Inc. which operates a total of 19 full service banking centers, 26 ATMs, an insurance agency and a mortgage origination office in Clark, Fayette, Jessamine, Scott and Bath counties. As of March 31, 2003, Central Bancshares' total assets were $1.127.

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