<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
     (This schedule contains summary financial information extracted from the
registrant's unaudited consolidated financial statements for the nine months
ended March 31, 2000 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>                              9-MOS            9-MOS
<FISCAL-YEAR-END>                    JUN-30-2000      JUN-30-1999
<PERIOD-START>                       JUL-01-1999      JUL-01-1998
<PERIOD-END>                         MAR-31-2000      MAR-31-1999
<EXCHANGE-RATE>                            1.000            1.000
<CASH>                                11,030,600        9,367,233
<INT-BEARING-DEPOSITS>                 3,729,542        6,131,324
<FED-FUNDS-SOLD>                               0                0
<TRADING-ASSETS>                               0                0
<INVESTMENTS-HELD-FOR-SALE>            2,009,372        3,099,456
<INVESTMENTS-CARRYING>                43,152,113       44,506,060
<INVESTMENTS-MARKET>                  41,137,000       44,220,035
<LOANS>                              451,296,640      391,589,777
<ALLOWANCE>                            2,303,840        2,052,000
<TOTAL-ASSETS>                       536,912,494      481,652,661
<DEPOSITS>                           426,697,268      396,239,762
<SHORT-TERM>                          53,587,252       22,997,767
<LIABILITIES-OTHER>                    4,604,276        5,466,358
<LONG-TERM>                                    0                0
<PREFERRED-MANDATORY>                          0                0
<PREFERRED>                                    0                0
<COMMON>                               3,797,855        4,127,112
<OTHER-SE>                            48,225,843       53,127,394
<TOTAL-LIABILITIES-AND-EQUITY>       536,912,494      481,652,661
<INTEREST-LOAN>                       25,858,333       23,884,427
<INTEREST-INVEST>                      2,409,275        2,757,814
<INTEREST-OTHER>                               0                0
<INTEREST-TOTAL>                      28,267,608       26,642,241
<INTEREST-DEPOSIT>                    13,189,071       12,972,532
<INTEREST-EXPENSE>                    14,993,460       13,972,748
<INTEREST-INCOME-NET>                 13,274,148       12,669,493
<LOAN-LOSSES>                            269,500          180,000
<SECURITIES-GAINS>                       456,926          203,200
<EXPENSE-OTHER>                        9,310,812        8,807,085
<INCOME-PRETAX>                        6,651,996        6,354,428
<INCOME-PRE-EXTRAORDINARY>             6,651,996        6,354,428
<EXTRAORDINARY>                                0                0
<CHANGES>                                      0                0
<NET-INCOME>                           4,440,811        4,184,814
<EPS-BASIC>                                 1.12             1.01
<EPS-DILUTED>                               1.12             1.01
<YIELD-ACTUAL>                              7.81             8.11
<LOANS-NON>                            1,076,000        1,733,000
<LOANS-PAST>                                   0                0
<LOANS-TROUBLED>                         210,852          255,667
<LOANS-PROBLEM>                        1,946,000        2,702,000
<ALLOWANCE-OPEN>                       2,108,000        1,853,000
<CHARGE-OFFS>                             81,000          210,000
<RECOVERIES>                               7,000           24,000
<ALLOWANCE-CLOSE>                      2,304,000        2,052,000
<ALLOWANCE-DOMESTIC>                           0                0
<ALLOWANCE-FOREIGN>                            0                0
<ALLOWANCE-UNALLOCATED>                2,304,000        2,052,000


</TABLE>