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): April 19, 2006

                               S.Y. BANCORP, INC.
             (Exact name of registrant as specified in its charter)



           Kentucky                      0-17262                 61-1137529
           --------                      -------                 ----------
(State or other jurisdiction of        (Commission            (I.R.S. Employer
incorporation or organization)         File Number)          Identification No.)


               1040 East Main Street, Louisville, Kentucky, 40206
               --------------------------------------------------
                    (Address of principal executive offices)


                                 (502) 582-2571
                                 --------------
              (Registrant's telephone number, including area code)





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:

|_|  Written communications pursuant to Rule 425 under the Securities
     Act (17 CFR 230.425)

|_|  Soliciting material pursuant to Rule 14a-12 under the Exchange
     Act (17 CFR 240.14a-12)

|_|  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

|_|  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))





ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On April 19, 2006, S.Y. Bancorp, Inc. issued a press release, a copy of which is
attached hereto as Exhibit 99.1 and incorporated by reference, announcing
first-quarter 2006 earnings. The information in this Form 8-K and the attached
Exhibit shall not be deemed filed for purposes of Section 18 of the Securities
Exchange Act of 1934 or otherwise subject to the liabilities of that section,
nor shall it be deemed incorporated by reference in any filing under the
Securities Act of 1933, except as shall be expressly set forth by specific
reference in such filing.


ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.

   D.  Exhibits

       99.1   Press Release dated April 19, 2006.


                                    SIGNATURE

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 thereunto duly authorized.

Date:   April 19, 2006               S.Y. BANCORP, INC.

                                     By: /s/ Nancy B. Davis
                                         -------------------------------
                                         Nancy B. Davis, Executive Vice
                                         President, Treasurer and Chief
                                         Financial Officer