Pikeville National Corp. of Pikeville, Ky., will acquire three banks in the central and eastern parts of the state by the first quarter of 1995, making it among the largest holding companies based in Kentucky.

The bank, in the state's coal fields about 20 miles from the Virginia border, announced this week it had entered into a definitive agreement to acquire Woodford Bancorp of Versailles, 15 miles west of Lexington.

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