<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, 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>                   
<PERIOD-TYPE>                                        3-MOS
<FISCAL-YEAR-END>                              JUN-30-1998
<PERIOD-START>                                 JUL-01-1997
<PERIOD-END>                                   SEP-30-1997
<EXCHANGE-RATE>                                      1.000
<CASH>                                           8,770,119
<INT-BEARING-DEPOSITS>                           3,799,854
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                      1,756,294
<INVESTMENTS-CARRYING>                          16,469,318
<INVESTMENTS-MARKET>                            18,258,965
<LOANS>                                        335,698,477
<ALLOWANCE>                                      1,766,198                                   
<TOTAL-ASSETS>                                 382,585,063
<DEPOSITS>                                     284,953,288
<SHORT-TERM>                                    41,487,900
<LIABILITIES-OTHER>                              3,723,005
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0                         
<PREFERRED>                                              0
<COMMON>                                         4,159,196
<OTHER-SE>                                      48,261,674
<TOTAL-LIABILITIES-AND-EQUITY>                 382,585,063
<INTEREST-LOAN>                                  7,089,484
<INTEREST-INVEST>                                  432,242
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                 7,521,726
<INTEREST-DEPOSIT>                               3,247,563
<INTEREST-EXPENSE>                               3,828,554
<INTEREST-INCOME-NET>                            3,633,172
<LOAN-LOSSES>                                       60,000
<SECURITIES-GAINS>                                 116,945
<EXPENSE-OTHER>                                  1,910,269
<INCOME-PRETAX>                                  2,463,028
<INCOME-PRE-EXTRAORDINARY>                       2,463,028
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     1,603,768
<EPS-PRIMARY>                                         0.38
<EPS-DILUTED>                                         0.38
<YIELD-ACTUAL>                                        8.41
<LOANS-NON>                                              0
<LOANS-PAST>                                     1,608,000
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                  1,868,000
<ALLOWANCE-OPEN>                                 1,715,000
<CHARGE-OFFS>                                       15,000
<RECOVERIES>                                         6,000
<ALLOWANCE-CLOSE>                                1,766,000
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                          1,766,000
        

</TABLE>