<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, 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>                               9-MOS                9-MOS
<FISCAL-YEAR-END>                     JUN-30-1999          JUN-30-1998
<PERIOD-START>                        JUL-01-1998          JUL-01-1997
<PERIOD-END>                          MAR-31-1999          MAR-31-1998
<EXCHANGE-RATE>                             1.000                1.000
<CASH>                                  9,367,233           11,549,166
<INT-BEARING-DEPOSITS>                  6,131,324            4,463,842
<FED-FUNDS-SOLD>                                0                    0
<TRADING-ASSETS>                                0                    0
<INVESTMENTS-HELD-FOR-SALE>             3,099,456            2,080,709
<INVESTMENTS-CARRYING>                 44,506,060           21,415,695
<INVESTMENTS-MARKET>                   44,220,035           23,540,970
<LOANS>                               391,589,777          349,773,379
<ALLOWANCE>                             2,052,000            1,815,000
<TOTAL-ASSETS>                        481,652,661          407,347,069
<DEPOSITS>                            396,239,762          305,894,750
<SHORT-TERM>                           22,997,767           43,336,295
<LIABILITIES-OTHER>                     5,466,358            4,306,396
<LONG-TERM>                                     0                    0
<PREFERRED-MANDATORY>                           0                    0
<PREFERRED>                                     0                    0
<COMMON>                                4,127,112            4,132,812
<OTHER-SE>                             53,127,394           49,676,816
<TOTAL-LIABILITIES-AND-EQUITY>        481,652,661          407,347,069
<INTEREST-LOAN>                        23,884,427           21,811,011
<INTEREST-INVEST>                       2,757,814            1,292,911
<INTEREST-OTHER>                                0                    0
<INTEREST-TOTAL>                       26,642,241           23,103,921
<INTEREST-DEPOSIT>                     12,972,532           10,071,475
<INTEREST-EXPENSE>                     13,972,748           11,868,327
<INTEREST-INCOME-NET>                  12,669,493           11,235,595
<LOAN-LOSSES>                             180,000              120,000
<SECURITIES-GAINS>                        203,200              242,567
<EXPENSE-OTHER>                         8,807,086            6,010,175
<INCOME-PRETAX>                         6,354,428            7,170,500
<INCOME-PRE-EXTRAORDINARY>              6,354,428            7,170,500
<EXTRAORDINARY>                                 0                    0
<CHANGES>                                       0                    0
<NET-INCOME>                            4,184,814            4,705,673
<EPS-BASIC>                                1.01                 1.13
<EPS-DILUTED>                                1.01                 1.13
<YIELD-ACTUAL>                               8.11                 8.39
<LOANS-NON>                                     0                    0
<LOANS-PAST>                            2,092,000            1,723,000
<LOANS-TROUBLED>                                0                    0
<LOANS-PROBLEM>                         2,702,000            1,931,000
<ALLOWANCE-OPEN>                        1,853,000            1,715,000
<CHARGE-OFFS>                             210,000               32,000
<RECOVERIES>                               24,000               18,000
<ALLOWANCE-CLOSE>                       2,052,000            1,821,000
<ALLOWANCE-DOMESTIC>                            0                    0
<ALLOWANCE-FOREIGN>                             0                    0
<ALLOWANCE-UNALLOCATED>                 2,052,000            1,821,000


</TABLE>