<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
     (This schedule contains summary financial information extracted from the
registrant's unaudited consolidated financial statements for the six months
ended December 31, 1999 and is qualified in its entirety by reference to such
financial statements.)
</LEGEND>
<CIK>                         0000854395
<NAME>                        First Federal Financial Corp of Kentucky
<MULTIPLIER>                  1,000
<CURRENCY>                    U.S. Dollars

<S>                           <C>               <C>
<PERIOD-TYPE>                  6-MOS            6-MOS
<FISCAL-YEAR-END>              Jun-30-2000      Jun-20-1999
<PERIOD-START>                 Jul-01-1999      Jul-01-1998
<PERIOD-END>                   Dec-31-1999      Dec-31-1998
<EXCHANGE-RATE>                      1.000            1.000
<CASH>                          10,508,679       19,361,128
<INT-BEARING-DEPOSITS>           3,244,901          517,078
<FED-FUNDS-SOLD>                         0                0
<TRADING-ASSETS>                         0                0
<INVESTMENTS-HELD-FOR-SALE>      2,278,838        3,344,467
<INVESTMENTS-CARRYING>          43,288,396       41,564,654
<INVESTMENTS-MARKET>            43,636,049       45,093,467
<LOANS>                        431,046,589      386,886,843
<ALLOWANCE>                      2,241,292        2,002,000
<TOTAL-ASSETS>                 518,743,713      478,937,818
<DEPOSITS>                     406,839,445      393,252,742
<SHORT-TERM>                    54,469,553       23,159,559
<LIABILITIES-OTHER>              3,959,927        5,966,582
<LONG-TERM>                              0                0
<PREFERRED-MANDATORY>                    0                0
<PREFERRED>                              0                0
<COMMON>                         3,893,405        4,127,112
<OTHER-SE>                      49,581,383       52,431,823
<TOTAL-LIABILITIES-AND-EQUITY> 518,743,713      478,937,818
<INTEREST-LOAN>                 16,930,547       15,776,543
<INTEREST-INVEST>                1,610,947        1,898,589
<INTEREST-OTHER>                         0                0
<INTEREST-TOTAL>                18,541,494       17,675,132
<INTEREST-DEPOSIT>               8,574,360        8,708,291
<INTEREST-EXPENSE>               9,625,686        9,417,016
<INTEREST-INCOME-NET>            8,915,808        8,258,116
<LOAN-LOSSES>                      179,995          120,000
<SECURITIES-GAINS>                 305,161          203,200
<EXPENSE-OTHER>                  6,204,999        5,544,670
<INCOME-PRETAX>                  4,504,473        4,455,869
<INCOME-PRE-EXTRAORDINARY>       4,504,473        4,455,869
<EXTRAORDINARY>                          0                0
<CHANGES>                                0                0
<NET-INCOME>                     3,037,783        2,910,401
<EPS-BASIC>                           0.76             0.70
<EPS-DILUTED>                         0.76             0.70
<YIELD-ACTUAL>                        7.86             8.06
<LOANS-NON>                      2,509,000                0
<LOANS-PAST>                             0        1,639,000
<LOANS-TROUBLED>                         0                0
<LOANS-PROBLEM>                  3,716,000        1,850,000
<ALLOWANCE-OPEN>                 2,108,000        1,853,000
<CHARGE-OFFS>                       52,000          197,000
<RECOVERIES>                         5,000           21,000
<ALLOWANCE-CLOSE>                2,241,000        2,002,000
<ALLOWANCE-DOMESTIC>                     0                0
<ALLOWANCE-FOREIGN>                      0                0
<ALLOWANCE-UNALLOCATED>          2,241,000        2,002,000



</TABLE>