Exhibit 99

                       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



                                 March 20, 1998
                ------------------------------------------------
                Date of Report (Date of earliest event reported)



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



          Delaware                    0-26570                  61-1284899
----------------------------     -----------------      ------------------------
(State or other jurisdiction       (SEC File No.)       (IRS Employer ID Number)
      of incorporation)



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



                                 Not Applicable
          -------------------------------------------------------------
          (Former name or former address, if changed since last Report)


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                   HARRODSBURG FIRST FINANCIAL BANCORP, INC.

                      INFORMATION TO BE INCLUDED IN REPORT


Item 5. Other Events

The Registrant announced that on March 16, 1998, the Board of Directors declared
a semiannual cash dividend of $.20 per share to all shareholders of record as of
March 31, 1998, payable on April 15, 1998.

For further details, reference is made to the Press Release dated March 20,
1998, which is attached hereto as Exhibit 99 and incorporated herein by
reference.



Item 7. Financial Statements, Pro Forma Financial Information and Exhibits

Exhibit 99 -- Press Release dated March 20, 1998






<PAGE>


                                   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, thereunto duly authorized.

                                      HARRODSBURG FIRST FINANCIAL BANCORP, INC.



Date: March 20, 1998                  By:  /s/ Jack D. Hood
                                           -----------------------
                                           Jack D. Hood
                                           President and Chief Executive Officer








<PAGE>

           [LETTERHEAD OF HARRODSBURG FIRST FINANCIAL BANCORP, INC.]



                   HARRODSBURG FIRST FINANCIAL BANCORP, INC.
                                 CASH DIVIDEND


     Harrodsburg, Kentucky--March 20, 1998, Jack D. Hood, President and Chief
Executive Officer of Harrodsburg First Financial Bancorp, Inc. (the
"Corporation"), Harrodsburg, Kentucky, the holding company of First Federal
Savings Bank of Harrodsburg (the "Bank"), announced today that the Corporation's
Board of Directors declared a cash dividend of $.20 per share. The cash
dividend will be paid on April 15, 1998, to stockholders of record as of
March 31, 1998. Subject to the Corporation's earnings and capital, it is the
current intention of the Corporation to continue to pay regular semiannual cash
dividends.

     Mr. Hood indicated that the cash dividend is being paid as a result of the
continued profitability of the Corporation and its wholly owned subsidiary, the
Bank.

     The Bank is a federally chartered stock savings bank headquartered in
Harrodsburg, Kentucky. The Bank has two full service offices serving Mercer and
Anderson Counties, Kentucky. The Bank's deposits are federally insured by the
Federal Deposit Insurance Corporation ("FDIC"). The Bank is a community
oriented, full service retail savings bank offering traditional loan products.
At December 31, 1997, the Corporation had total assets and stockholders equity
of $109 million and $20 million, respectively. The Corporation's common stock
is quoted on the NASDAQ National Market under the symbol "HFFB".