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<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>WASHINGTON, D.C. 20549</B></P>

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<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>FORM 8-K</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>PURSUANT TO SECTION 13 OR 15(d) OF THE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>SECURITIES EXCHANGE ACT OF 1934</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Date of Report (Date of earliest event reported):
January 20, 2012</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>(Commission File Number) 001-34214</B></P>

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<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>THE BANK OF KENTUCKY FINANCIAL CORPORATION</B></P>

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in its charter)</B></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
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    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center">Kentucky</TD>
    <TD STYLE="width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center">61-1256535</TD></TR>
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    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center">(State of incorporation)</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; font-weight: bold; text-align: center">(I.R.S. Employer Identification Number)</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>111 Lookout Farm Drive</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Crestview Hills, Kentucky 41017</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Address of Registrant&rsquo;s principal
executive office)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(859) 371-2340</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>(Registrant&rsquo;s telephone number)</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Check the appropriate box below if the Form 8-K filing is
intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction
A.2. below):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-family: Wingdings; color: black">p</FONT>
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</P>

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Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</P>

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Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font: 10pt Wingdings; color: black">p</FONT> Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))<FONT STYLE="font-size: 8pt">&nbsp; </FONT></P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0">ITEM 5.02 DEPARTURE OF DIRECTORS OR CERTAIN
OFFICERS; ELECTION OF DIRECTORS; APPOINTMENT OF CERTAIN OFFICERS; COMPENSATORY ARRANGEMENTS OF CERTAIN OFFICERS.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">On January 20, 2012, Rodney S. Cain, Chairman
of the Board of Directors for each of The Bank of Kentucky Financial Corporation (the &ldquo;Company&rdquo;) and its wholly-owned
subsidiary, The Bank of Kentucky, Inc. (the &ldquo;Bank&rdquo;), provided notice of his intention not to stand for re-election
to the respective Boards of Directors for the Company and the Bank when his current term expires at the Company's 2012 annual meeting
of stockholders. The decisions not to stand for re-election did not relate to any disagreement with the Company or the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Mr. Cain will remain as Chairman and a member
of the respective Boards of Directors for each of the Company and the Bank until the Company&rsquo;s 2012 annual meeting of stockholders.
In recognition of his years of service Mr. Cain will thereafter serve in an advisory capacity to the Company and the Bank as Chairman
Emeritus.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-right: 0; margin-left: 0">SIGNATURES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 27pt">Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Date: January 25, 2012</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">THE BANK OF KENTUCKY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">FINANCIAL
CORPORATION</P>
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    <TD COLSPAN="2">&nbsp;</TD></TR>
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    <TD STYLE="width: 4%">By:&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 46%; border-bottom: Black 1pt solid">/s/ Martin J. Gerrety</TD></TR>
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    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Name:&#9;Martin J. Gerrety</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Title:&#9;Treasurer and Assistant Secretary</P>
</TD></TR>
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{"company-data": {"conformed-name": "BANK OF KENTUCKY FINANCIAL CORP", "cik": "0000934547", "assigned-sic": "6035", "irs-number": "611256535", "state-of-incorporation": "KY", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-34214", "film-number": "12543821"}, "business-address": {"street1": "111 LOOKOUT FARM DRIVE", "city": "CRESTVIEW HILLS", "state": "KY", "zip": "41017", "phone": "8593725169"}, "mail-address": {"street1": "P.O. BOX 17510", "street2": "111 LOOKOUT FARM DRIVE", "city": "CRESTVIEW HILLS", "state": "KY", "zip": "41017"}}
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported):
January 20, 2012
(Commission File Number) 001-34214
THE BANK OF KENTUCKY FINANCIAL CORPORATION
(Exact name of Registrant as specified
in its charter)
Kentucky
61-1256535
(State of incorporation)
(I.R.S. Employer Identification Number)
111 Lookout Farm Drive
Crestview Hills, Kentucky 41017
(Address of Registrant's principal
executive office)
(859) 371-2340
(Registrant's telephone number)
Check the appropriate box below if the Form 8-K filing is
intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction
A.2. below):
p
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
p
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
p
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
p
Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
ITEM 5.02 DEPARTURE OF DIRECTORS OR CERTAIN
OFFICERS; ELECTION OF DIRECTORS; APPOINTMENT OF CERTAIN OFFICERS; COMPENSATORY ARRANGEMENTS OF CERTAIN OFFICERS.
On January 20, 2012, Rodney S. Cain, Chairman
of the Board of Directors for each of The Bank of Kentucky Financial Corporation (the "Company") and its wholly-owned
subsidiary, The Bank of Kentucky, Inc. (the "Bank"), provided notice of his intention not to stand for re-election
to the respective Boards of Directors for the Company and the Bank when his current term expires at the Company's 2012 annual meeting
of stockholders. The decisions not to stand for re-election did not relate to any disagreement with the Company or the Bank.
Mr. Cain will remain as Chairman and a member
of the respective Boards of Directors for each of the Company and the Bank until the Company's 2012 annual meeting of stockholders.
In recognition of his years of service Mr. Cain will thereafter serve in an advisory capacity to the Company and the Bank as Chairman
Emeritus.
SIGNATURES
Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: January 25, 2012
THE BANK OF KENTUCKY
FINANCIAL
CORPORATION
By:
/s/ Martin J. Gerrety
Name:	Martin J. Gerrety
Title:	Treasurer and Assistant Secretary