**Exhibit 31.2**

**CERTIFICATION**

I, R. Clay Hulette, certify that: 

|   | 1.     | I have   reviewed this Quarterly Report on Form 10-Q of Kentucky First Federal Bancorp                                                                                                                                                                                                                                 |
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|   | 2.     | Based on my   knowledge, this report does not contain any untrue statement of a material   fact or omit to state a material fact necessary to make the statements made,   in light of the circumstances under which such statements were made, not   misleading with respect to the period covered by this report;     |
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|   | 3.     | Based on my   knowledge, the financial statements, and other financial information included   in this report, fairly present in all material respects the financial   condition, results of operations and cash flows of the registrant as of, and   for, the periods presented in this report;                        |
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|   | 4      | The registrant’s   other certifying officer and I are responsible for establishing and   maintaining disclosure controls and procedures (as defined in Exchange Act   Rules 13a-15(e) and 15d-15(e)) for the registrant and have:                                                                                 |
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|   |   |                                                                                                                                                                                                                                                                                                                   | (a)  Designed such disclosure controls and   procedures, or caused such disclosure controls and procedures to be designed   under our supervision, to ensure that material information relating to the   registrant, including its consolidated subsidiaries, is made known to us by   others within those entities, particularly during the period in which this   report is being prepared; |
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|   |   |                                                                                                                                                                                                                                                                                                                   | (b)  Evaluated the effectiveness of the   registrant’s disclosure controls and procedures and presented in this report   our conclusions about the effectiveness of the disclosure controls and   procedures, as of the end of the period covered by this report based on such   evaluation; and |
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|   |   |                                                                                                                                                                                                                                                                                                                   | (c)  Disclosed in this report any change in the   registrant’s internal control over financial reporting that occurred during   the registrant’s most recent fiscal quarter that has materially affected, or   is reasonably likely to materially affect, the registrant’s internal control   over financial reporting; and |
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|   | 5.     | The   registrant’s other certifying officer and I have disclosed, based on our most   recent evaluation of internal control over financial reporting, to the   registrant’s auditors and the audit committee of the registrant’s board of   directors (or persons performing the equivalent functions): |
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|   |   |                                                                                                                                                                                                                                                                                                                   | (a)  All significant deficiencies and material   weaknesses in the design or operation of internal control over financial   reporting which are reasonably likely to adversely affect the registrant’s   ability to record, process, summarize and report financial information; and |
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|   |   |                                                                                                                                                                                                                                                                                                                   | (b)  Any fraud, whether or not material, that   involves management or other employees who have a significant role in the   registrant’s internal control over financial reporting. |

 

| Date:   November 14, 2006 |   | /s/  R. Clay   Hulette             |
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|                      |   |                                              |
|                      |   | R. Clay   Hulette                            |
|                      |   | Vice President   and Chief Financial Officer |