<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, 1997 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-30-1998       JUN-30-1997
<PERIOD-START>                                 JUL-01-1997       JUL-01-1996
<PERIOD-END>                                   DEC-31-1997       DEC-31-1996
<EXCHANGE-RATE>                                      1.000             1.000
<CASH>                                           6,007,803         8,544,498
<INT-BEARING-DEPOSITS>                           1,679,051                 0
<FED-FUNDS-SOLD>                                         0                 0
<TRADING-ASSETS>                                         0                 0
<INVESTMENTS-HELD-FOR-SALE>                      2,005,816         4,840,356
<INVESTMENTS-CARRYING>                          16,444,240        17,790,077
<INVESTMENTS-MARKET>                            18,559,135        23,103,148
<LOANS>                                        344,029,240       318,284,338
<ALLOWANCE>                                      1,794,751         1,772,000
<TOTAL-ASSETS>                                 388,329,079       367,067,314
<DEPOSITS>                                     290,367,820       266,991,907
<SHORT-TERM>                                    41,462,955        45,724,944
<LIABILITIES-OTHER>                              3,397,995         3,107,886
<LONG-TERM>                                              0                 0
<PREFERRED-MANDATORY>                                    0                 0
<PREFERRED>                                              0                 0
<COMMON>                                         4,143,732         4,182,018
<OTHER-SE>                                      48,956,577        45,804,694
<TOTAL-LIABILITIES-AND-EQUITY>                 388,329,079       367,067,314
<INTEREST-LOAN>                                 14,359,868        13,191,837
<INTEREST-INVEST>                                  854,817           893,716
<INTEREST-OTHER>                                         0                 0
<INTEREST-TOTAL>                                15,214,685        14,085,553
<INTEREST-DEPOSIT>                               6,636,878         5,963,664
<INTEREST-EXPENSE>                               7,821,091         7,065,497
<INTEREST-INCOME-NET>                            7,393,594         7,020,056
<LOAN-LOSSES>                                       90,000           200,000
<SECURITIES-GAINS>                                 116,945           316,927
<EXPENSE-OTHER>                                  3,978,060         5,641,219
<INCOME-PRETAX>                                  4,680,349         2,537,004
<INCOME-PRE-EXTRAORDINARY>                       4,680,349         2,537,004
<EXTRAORDINARY>                                          0                 0
<CHANGES>                                                0                 0
<NET-INCOME>                                     3,056,168         1,671,886
<EPS-PRIMARY>                                         0.74              0.40
<EPS-DILUTED>                                         0.73              0.39
<YIELD-ACTUAL>                                        8.35              8.23
<LOANS-NON>                                              0                 0
<LOANS-PAST>                                     1,592,000         1,314,000
<LOANS-TROUBLED>                                         0                 0
<LOANS-PROBLEM>                                  2,217,000         2,197,000
<ALLOWANCE-OPEN>                                 1,715,000         1,613,000
<CHARGE-OFFS>                                       25,000            60,000
<RECOVERIES>                                        15,000            19,000
<ALLOWANCE-CLOSE>                                1,795,000         1,772,000
<ALLOWANCE-DOMESTIC>                                     0                 0
<ALLOWANCE-FOREIGN>                                      0                 0
<ALLOWANCE-UNALLOCATED>                          1,795,000         1,772,000
        

</TABLE>