================================================================================

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 10-K/A
                                Amendment No. 1
(Mark One)
         ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
|X|      EXCHANGE ACT OF 1934 [NO FEE REQUIRED]

For the fiscal year ended  September 30, 1997

                                     - or -

         TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
[ ]      EXCHANGE ACT OF 1934 [NO FEE REQUIRED]

For the transition period from _____________________ to ____________________

Commission Number:  0-26570

                    HARRODSBURG FIRST FINANCIAL BANCORP, INC.
             -------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)

                  Delaware                                    61-1284899
 --------------------------------------------              -------------------
(State or other jurisdiction of incorporation               (I.R.S. Employer
              or organization)                             Identification No.)

104 South Chiles Street, Harrodsburg, Kentucky                40330-1620
----------------------------------------------                ----------
  (Address of principal executive offices)                     Zip Code

Registrant's telephone number, including area code: (606) 734-5452

Securities registered pursuant to Section 12(b) of the Act: None

Securities registered pursuant to Section 12(g) of the Act:

                     Common Stock, par value $.10 per share
                     --------------------------------------
                                (Title of Class)

         Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
Registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.   YES  X   NO
                                                ---    ---

         Indicate by check mark if disclosure of delinquent filers pursuant to
Item 405 of Regulation S-K ('229.405 of this chapter) is not contained herein,
and will not be contained, to the best of registrant's knowledge, in definitive
proxy or information statements incorporated by reference in Part III of this
Form 10-K or any amendment to this Form 10-K. [X]

         The aggregate market value of the voting stock held by non-affiliates
of the Registrant, based on the average bid and ask price of the Registrant's
Common Stock as quoted on the National Association of Securities Dealers, Inc.,
Automated Quotations System on December 8, 1997, was $32.1 million (1,789,726
shares at $17.94 per share).

         As of December 8, 1997 there were issued and outstanding 1,986,315
shares of the Registrant's Common Stock.

                       DOCUMENTS INCORPORATED BY REFERENCE

1.       Portions of the Annual Report to Stockholders for the Fiscal Year Ended
         September 30, 1997. (Parts I, II and IV)

2.       Portions of the Proxy Statement for the 1998 Annual Meeting of
         Stockholders. (Part III)

================================================================================

<PAGE>

                                 EXHIBIT INDEX

            Exhibits

            (a)  The following exhibits are filed as part of this report.

    3.1     Certificate of Incorporation of Harrodsburg First Financial
            Bancorp, Inc.*
    3.2     Bylaws of Harrodsburg First Financial Bancorp, Inc.*
   10.1     1996 Stock Option Plan**
   10.2     Restricted Stock Plan and Trust Agreement**
   13.0     1997 Annual Report to Stockholders
   21.0     Subsidiary Information**
   27.0     Financial Data Schedules**

            (b)      Reports on Form 8-K.


                     None.

--------------
*   Incorporated herein by reference into this document from the Exhibits to
    Form S-1, Registration Statement, initially filed on June 14, 1995,
    Registration No. 33-93458.
**  Previously filed.


<PAGE>




                                   SIGNATURES

         Pursuant to the requirements of Section 13 or 15(d) 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.


                                    HARRODSBURG FIRST FINANCIAL BANCORP, INC.

   
Dated:  January 8, 1998           By:  /s/ Jack D. Hood
                                         ---------------------------
                                         Jack D. Hood
                                         President, Chief Executive
                                         Officer and Director
    

         Pursuant to the requirement of the Securities Exchange Act of 1934,
this Report has been signed below by the following persons on behalf of the
Registrant and in the capacities and on the dates indicated.

   
By:      /s/ Jack D. Hood                   By:   /s/ Wickliffe T. Asbury, Sr.
        ----------------------------              ----------------------------
         Jack D. Hood                              Wickliffe T. Asbury, Sr.
         President, Chief Executive                Vice President and Director
           Officer and Director

Date:    January 8, 1998                  Date: January 8, 1998

By:      /s/ Elwood Burgin                  By:   /s/ Teresa W. Noel
         --------------------------               ----------------------------
         Elwood Burgin                            Teresa W. Noel
         Director                                 Treasurer and Chief Financial
                                                    Officer

Date:    January 8, 1998                  Date: January 8, 1998

By:      /s/ Thomas Les Letton              By:    /s/ Jack L. Coleman, Jr.
         ---------------------------               -----------------------------
         Thomas Les Letton                         Jack L. Coleman, Jr.
         Director                                  Director

Date:    January 8, 1998                  Date: January 8, 1998