Community Trust Bank is a full-service bank that provides personal and commercial banking, trust, investment and insurance services. It is a wholly owned subsidiary of Community Trust Bancorp. Community Trust Bank s personal banking products and services include savings, senior citizens' checking, certificates of deposit, insured money market and individual retirement accounts. The bank offers a variety of merchant services, such as merchant credit cards, overdraft protection, letters of credit, merchant supplies and statements and deposit of card sales. The bank also offers Internet and phone banking services. It provides various loan and mortgage programs that include construction and vacant land mortgages, home-equity lines of credit, and personal, auto, vacation, home improvement and commercial loans. Community Trust Bank operates through more than 70 branches and has one of its locations in Mount Sterling, Ky.