<TABLE> <S> <C>

<ARTICLE>                     9
<CIK>                         0000854395
<NAME>                        FIRST FEDERAL FINANCIAL CORPORATION
<MULTIPLIER>                  1,000
<CURRENCY>                    U.S. DOLLARS

<S>                             <C>            <C>            <C>
<PERIOD-TYPE>                   YEAR           YEAR           YEAR
<FISCAL-YEAR-END>               JUN-30-1999    JUN-30-1998    JUN-30-1997
<PERIOD-START>                  JUL-01-1998    JUL-01-1997    JUL-01-1996
<PERIOD-END>                    JUN-30-1999    JUN-30-1998    JUN-30-1997
<EXCHANGE-RATE>                       1.000          1.000          1.000
<CASH>                           10,257,162     4,992,588       8,694,283
<INT-BEARING-DEPOSITS>            1,634,475     4,157,124         481,430
<FED-FUNDS-SOLD>                          0             0               0
<TRADING-ASSETS>                          0             0               0
<INVESTMENTS-HELD-FOR-SALE>       2,935,979     1,934,412       5,192,323
<INVESTMENTS-CARRYING>           44,404,392    24,639,484      17,484,427
<INVESTMENTS-MARKET>             46,460,965    26,869,573       2,992,346
<LOANS>                         400,360,402   354,934,659     327,791,495
<ALLOWANCE>                       2,107,994     1,852,576       1,715,000
<TOTAL-ASSETS>                  488,303,774   409,651,269     377,380,353
<DEPOSITS>                      399,443,439   306,702,649     281,342,174
<SHORT-TERM>                     25,894,127    43,248,855      41,514,194
<LIABILITIES-OTHER>               5,104,046     5,011,378       2,859,235
<LONG-TERM>                               0             0               0
<PREFERRED-MANDATORY>                     0             0               0
<PREFERRED>                               0             0               0
<COMMON>                          4,121,112     4,129,612       4,170,003
<OTHER-SE>                       53,741,050    50,558,775      47,494,747
<TOTAL-LIABILITIES-AND-EQUITY>  488,303,774   409,651,269     377,380,353
<INTEREST-LOAN>                  31,895,805    29,338,526      26,944,715
<INTEREST-INVEST>                 3,600,283     1,843,413       1,837,661
<INTEREST-OTHER>                          0             0               0
<INTEREST-TOTAL>                 35,496,088    31,181,939      28,782,376
<INTEREST-DEPOSIT>               17,180,146    13,676,525      12,069,782
<INTEREST-EXPENSE>               18,481,242    16,058,609      14,375,725
<INTEREST-INCOME-NET>            17,014,846    15,123,330      14,406,869
<LOAN-LOSSES>                       314,000       265,000         200,000
<SECURITIES-GAINS>                  351,753       375,356         316,927
<EXPENSE-OTHER>                  11,706,048     8,082,486       9,471,934
<INCOME-PRETAX>                   8,949,092     9,636,214       7,202,954
<INCOME-PRE-EXTRAORDINARY>        8,949,092     9,636,214       7,202,954
<EXTRAORDINARY>                           0             0               0
<CHANGES>                                 0             0               0
<NET-INCOME>                      5,978,801     6,334,217       4,774,062
<EPS-BASIC>                          1.45          1.53            1.14
<EPS-DILUTED>                          1.44          1.52            1.13
<YIELD-ACTUAL>                         8.26          8.53            8.44
<LOANS-NON>                       2,529,000     2,057,000       1,550,000
<LOANS-PAST>                              0             0               0
<LOANS-TROUBLED>                          0             0               0
<LOANS-PROBLEM>                   2,676,000     2,128,000       1,739,000
<ALLOWANCE-OPEN>                  1,853,000     1,715,000       1,613,000
<CHARGE-OFFS>                       290,000       148,000         131,000
<RECOVERIES>                         26,000        21,000          33,000
<ALLOWANCE-CLOSE>                 2,108,000     1,853,000       1,715,000
<ALLOWANCE-DOMESTIC>                      0             0               0
<ALLOWANCE-FOREIGN>                       0             0               0
<ALLOWANCE-UNALLOCATED>           2,108,000     1,853,000       1,715,000



</TABLE>