<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
     (This schedule contains summary financial information extracted from the
registrant's unaudited consolidated financial statements for the three months
ended September 30, 2000 and 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>                          3-MOS                3-MOS
<FISCAL-YEAR-END>                JUN-30-2001          JUN-30-2000
<PERIOD-START>                   JUL-01-2000          JUL-01-1999
<PERIOD-END>                     SEP-30-2000          SEP-30-1999
<EXCHANGE-RATE>                        1.000                1.000
<CASH>                                12,018                8,528
<INT-BEARING-DEPOSITS>                 4,469                7,246
<FED-FUNDS-SOLD>                           0                    0
<TRADING-ASSETS>                           0                    0
<INVESTMENTS-HELD-FOR-SALE>            2,038                2,585
<INVESTMENTS-CARRYING>                43,115               38,331
<INVESTMENTS-MARKET>                  43,664               39,791
<LOANS>                              490,278              417,086
<ALLOWANCE>                            2,311                2,157
<TOTAL-ASSETS>                       582,699              499,575
<DEPOSITS>                           429,610              400,995
<SHORT-TERM>                          95,142               37,471
<LIABILITIES-OTHER>                    5,600                6,268
<LONG-TERM>                                0                    0
<PREFERRED-MANDATORY>                      0                    0
<PREFERRED>                                0                    0
<COMMON>                               3,755                3,973
<OTHER-SE>                            48,592               50,868
<TOTAL-LIABILITIES-AND-EQUITY>       582,699              499,575
<INTEREST-LOAN>                        9,977                8,286
<INTEREST-INVEST>                        841                  814
<INTEREST-OTHER>                           0                    0
<INTEREST-TOTAL>                      10,818                9,100
<INTEREST-DEPOSIT>                     5,198                4,241
<INTEREST-EXPENSE>                     6,603                4,633
<INTEREST-INCOME-NET>                  4,215                4,467
<LOAN-LOSSES>                            195                   89
<SECURITIES-GAINS>                       345                  153
<EXPENSE-OTHER>                        3,256                2,998
<INCOME-PRETAX>                        2,077                2,342
<INCOME-PRE-EXTRAORDINARY>             2,077                2,342
<EXTRAORDINARY>                            0                    0
<CHANGES>                                  0                    0
<NET-INCOME>                           1,389                1,573
<EPS-BASIC>                             0.37                 0.39
<EPS-DILUTED>                           0.37                 0.38
<YIELD-ACTUAL>                          8.00                 7.78
<LOANS-NON>                            1,900                2,447
<LOANS-PAST>                               0                    0
<LOANS-TROUBLED>                           0                    0
<LOANS-PROBLEM>                        1,900                3,434
<ALLOWANCE-OPEN>                       2,252                2,108
<CHARGE-OFFS>                            143                   43
<RECOVERIES>                               7                    3
<ALLOWANCE-CLOSE>                      2,311                2,157
<ALLOWANCE-DOMESTIC>                   2,311                2,157
<ALLOWANCE-FOREIGN>                        0                    0
<ALLOWANCE-UNALLOCATED>                2,311                2,157



</TABLE>