<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-30-2000      JUN-30-1999     JUN-30-1998
<PERIOD-START>                     JUL-01-1999      JUL-01-1998     JUL-01-1997
<PERIOD-END>                       JUN-30-2000      JUN-30-1999     JUN-30-1998
<EXCHANGE-RATE>                          1.000            1.000           1.000
<CASH>                              11,310,438       10,257,162       4,992,588
<INT-BEARING-DEPOSITS>               3,668,498        1,634,475       4,157,124
<FED-FUNDS-SOLD>                             0                0               0
<TRADING-ASSETS>                             0                0               0
<INVESTMENTS-HELD-FOR-SALE>          2,047,642        2,935,979       1,934,412
<INVESTMENTS-CARRYING>              43,133,967       44,404,392      24,639,484
<INVESTMENTS-MARKET>                43,242,183       46,460,965      26,869,573
<LOANS>                            471,231,319      400,360,402     354,934,659
<ALLOWANCE>                          2,252,062        2,107,994       1,852,576
<TOTAL-ASSETS>                     560,784,822      488,303,774     409,651,269
<DEPOSITS>                         423,758,955      399,443,439     306,702,649
<SHORT-TERM>                        80,338,550       25,894,127      43,248,855
<LIABILITIES-OTHER>                  5,006,236        5,104,046       5,011,378
<LONG-TERM>                                  0                0               0
<PREFERRED-MANDATORY>                        0                0               0
<PREFERRED>                                  0                0               0
<COMMON>                             3,755,761        4,121,112       4,129,612
<OTHER-SE>                          47,925,320       53,741,050      50,558,775
<TOTAL-LIABILITIES-AND-EQUITY>     560,784,822      488,303,774     409,651,269
<INTEREST-LOAN>                     35,316,819       31,895,805      29,338,526
<INTEREST-INVEST>                    3,225,633        3,600,283       1,843,413
<INTEREST-OTHER>                             0                0               0
<INTEREST-TOTAL>                    38,542,452       35,496,088      31,181,939
<INTEREST-DEPOSIT>                  18,073,392       17,180,146      13,676,525
<INTEREST-EXPENSE>                  20,873,468       18,481,242      16,058,609
<INTEREST-INCOME-NET>               17,668,984       17,014,846      15,123,330
<LOAN-LOSSES>                          399,500          314,000         265,000
<SECURITIES-GAINS>                     456,926          351,753         375,356
<EXPENSE-OTHER>                     12,690,904       11,706,048       8,082,486
<INCOME-PRETAX>                      8,455,703        8,949,092       9,636,214
<INCOME-PRE-EXTRAORDINARY>           8,455,703        8,949,092       9,636,214
<EXTRAORDINARY>                              0                0               0
<CHANGES>                                    0                0               0
<NET-INCOME>                         5,663,342        5,978,801       6,334,217
<EPS-BASIC>                               1.45             1.45            1.53
<EPS-DILUTED>                             1.44             1.44            1.52
<YIELD-ACTUAL>                            8.07             8.26            8.53
<LOANS-NON>                          1,307,000        2,381,000       2,057,000
<LOANS-PAST>                                 0                0               0
<LOANS-TROUBLED>                             0                0               0
<LOANS-PROBLEM>                      1,562,000        2,529,000       2,128,000
<ALLOWANCE-OPEN>                     2,107,994        1,852,576       1,714,512
<CHARGE-OFFS>                          265,302          280,049         147,985
<RECOVERIES>                             9,870           26,067          21,049
<ALLOWANCE-CLOSE>                    2,252,062        2,107,994       1,852,576
<ALLOWANCE-DOMESTIC>                         0                0               0
<ALLOWANCE-FOREIGN>                          0                0               0
<ALLOWANCE-UNALLOCATED>              2,252,062        2,107,994       1,852,576



</TABLE>