Item 2.02: Results of Operations and Financial Condition

On February 19, 2009, First Financial Service Corporation issued a press release announcing its fourth quarter and annual 2008 results. A copy of the press release as well as supplemental information is furnished with this report as Exhibit 99.1, and is incorporated herein by reference.

The information in this report is being furnished, not filed, for purposes of
Section 18 of the Securities Exchange Act of 1934, as amended, and pursuant to Item 2.02 of Form 8-K will not be incorporated by reference into any filing under the Securities Act of 1933, as amended, unless specifically identified therein as being incorporated therein by reference.

Item 9.01: Financial Statements and Exhibits

Attached is the press release for the fourth quarter and annual 2008 results.

(d) Exhibits

Exhibit Number Description
99.1 Press release dated February 19, 2009