<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, 1998 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-30-1999       JUN-30-1998
<PERIOD-START>                        JUL-01-1998       JUL-01-1997 
<PERIOD-END>                          DEC-31-1998       DEC-31-1997 
<EXCHANGE-RATE>                             1.000             1.000
<CASH>                                 19,361,128         6,007,803
<INT-BEARING-DEPOSITS>                    517,078         1,679,051
<FED-FUNDS-SOLD>                                0                 0
<TRADING-ASSETS>                                0                 0
<INVESTMENTS-HELD-FOR-SALE>             3,344,467         2,005,816
<INVESTMENTS-CARRYING>                 41,564,654        16,444,240
<INVESTMENTS-MARKET>                   45,093,467        18,559,135
<LOANS>                               386,886,843       344,029,240
<ALLOWANCE>                             2,002,000         1,794,751
<TOTAL-ASSETS>                        478,937,818       388,329,079  
<DEPOSITS>                            393,252,742       290,367,820
<SHORT-TERM>                           23,159,559        41,462,955
<LIABILITIES-OTHER>                     5,966,582         3,397,995
<LONG-TERM>                                     0                 0
<PREFERRED-MANDATORY>                           0                 0
<PREFERRED>                                     0                 0
<COMMON>                                4,127,112         4,143,732
<OTHER-SE>                             52,431,823        48,956,577
<TOTAL-LIABILITIES-AND-EQUITY>        478,937,818       388,329,079
<INTEREST-LOAN>                        15,776,543        14,359,868
<INTEREST-INVEST>                       1,898,589           854,817
<INTEREST-OTHER>                                0                 0
<INTEREST-TOTAL>                       17,675,132        15,214,685
<INTEREST-DEPOSIT>                      8,708,291         6,636,878
<INTEREST-EXPENSE>                      9,417,016         7,821,091
<INTEREST-INCOME-NET>                   8,258,116         7,393,594
<LOAN-LOSSES>                             120,000            90,000
<SECURITIES-GAINS>                        203,200           116,945
<EXPENSE-OTHER>                         5,544,670         3,978,060
<INCOME-PRETAX>                         4,455,869         4,680,349
<INCOME-PRE-EXTRAORDINARY>              4,455,869         4,680,349
<EXTRAORDINARY>                                 0                 0
<CHANGES>                                       0                 0
<NET-INCOME>                            2,910,401         3,056,168
<EPS-PRIMARY>                                0.70              0.74
<EPS-DILUTED>                                0.70              0.73
<YIELD-ACTUAL>                               8.06              8.35
<LOANS-NON>                                     0                 0
<LOANS-PAST>                            1,639,000         1,592,000
<LOANS-TROUBLED>                                0                 0
<LOANS-PROBLEM>                         1,850,000         2,217,000
<ALLOWANCE-OPEN>                        1,853,000         1,715,000
<CHARGE-OFFS>                             197,000            25,000
<RECOVERIES>                               21,000            15,000
<ALLOWANCE-CLOSE>                       2,002,000         1,795,000
<ALLOWANCE-DOMESTIC>                            0                 0
<ALLOWANCE-FOREIGN>                             0                 0
<ALLOWANCE-UNALLOCATED>                 2,002,000         1,795,000
        

</TABLE>