HISTORY

Bedford Loan and Deposit Bank opened its doors in Bedford, Kentucky at 45 highway 42 East on November 2, 1891 as a full service bank.

It was not until 85 years later, that a second branch was established.  On April 5, 1976, 1029 Brownsboro Road became the home of the Sligo Branch.

After serving Trimble County for 111 years, Bedford Loan and Deposit Bank again opened doors to more prospective customers.  On June 17, 2002, a third branch was established in the heart of Oldham County in LaGrange, Kentucky at 1010 New Moody Lane.

Throughout the years, Bedford Loan and Deposit Bank has always strived for excellence in meeting our customers' needs.  In November 2005, BauerFinancial, the nation's leading independent bank rating firm, proudly announced that we earned our highest 5-star superior rating for the 54th consecutive quarter.  Having earned this prestigious rating consistently for ten years or longer, we have positioned ourselves into the even more impressive group of Exceptional Performance Banks.

  "This award, based on our analysis of current financial data as well as historical data,
  is an award of merit, pure and simple, and Bedford Loan and Deposit Bank has
  earned it," stated Karen Dorway, president of the research firm.  "Unlike some
  industries in which ratings can be purchased, BauerFinancial adheres to a strict set
  of financial standards in assigning its ratings.  No bank pays for its rating, nor can
  any bank elude it," she continued.

"AN INDEPENDENT COMMUNITY BANK"
Resource: http://www.bauerfinancial.com/home.html

So with this said, our President and CEO welcomes you to bedfordbank.com!

Dear Customer,

Welcome.  We appreciate your business.  We are excited to be opening a new door to the internet experience.  We have been in business since 1891.  Our mission is to serve the community by providing personalized banking service to our customers, and to award our shareholders and employees by operating profitably.  We feel that internet banking is a logical step in our ongoing efforts to expand our services and customer base.  We encourage you to make full use of Bedford Online Banking and bill pay, which provide you with safe and convenient access to your financial information and services.

Yours truly,

John  N. Manning

John N. Manning President/CEO

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