<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, 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>                         3-MOS                3-MOS
<FISCAL-YEAR-END>               JUN-30-1999          JUN-30-1998     
<PERIOD-START>                  JUL-01-1998          JUL-01-1997     
<PERIOD-END>                    SEP-30-1998          SEP-30-1997     
<EXCHANGE-RATE>                       1.000                1.000
<CASH>                            8,017,206            8,770,119
<INT-BEARING-DEPOSITS>              763,268            3,799,854
<FED-FUNDS-SOLD>                          0                    0
<TRADING-ASSETS>                          0                    0
<INVESTMENTS-HELD-FOR-SALE>       2,939,298            1,756,294
<INVESTMENTS-CARRYING>           51,589,119           16,469,318
<INVESTMENTS-MARKET>             54,849,298           18,258,965
<LOANS>                         376,642,666          335,698,477
<ALLOWANCE>                       2,122,889            1,766,198
<TOTAL-ASSETS>                  467,341,461          382,585,063  
<DEPOSITS>                      382,488,761          284,953,288
<SHORT-TERM>                     23,219,101           41,487,900
<LIABILITIES-OTHER>               6,198,858            3,723,005
<LONG-TERM>                               0                    0
<PREFERRED-MANDATORY>                     0                    0
<PREFERRED>                               0                    0
<COMMON>                          4,129,612            4,159,196
<OTHER-SE>                       51,305,129           48,261,674
<TOTAL-LIABILITIES-AND-EQUITY>  467,341,461          382,585,063
<INTEREST-LOAN>                   7,712,415            7,089,484
<INTEREST-INVEST>                   432,242              432,242
<INTEREST-OTHER>                          0                    0
<INTEREST-TOTAL>                  8,710,566            7,521,726
<INTEREST-DEPOSIT>                4,227,346            3,247,563
<INTEREST-EXPENSE>                4,626,150            3,828,554
<INTEREST-INCOME-NET>             4,024,416            3,633,172
<LOAN-LOSSES>                        60,000               60,000
<SECURITIES-GAINS>                  108,267              116,945
<EXPENSE-OTHER>                   2,772,135            1,910,269
<INCOME-PRETAX>                   2,099,455            2,463,028
<INCOME-PRE-EXTRAORDINARY>        2,099,455            2,463,028
<EXTRAORDINARY>                           0                    0 
<CHANGES>                                 0                    0
<NET-INCOME>                      1,372,240            1,603,768
<EPS-PRIMARY>                          0.33                 0.38
<EPS-DILUTED>                          0.33                 0.38
<YIELD-ACTUAL>                         8.01                 8.41
<LOANS-NON>                               0                    0
<LOANS-PAST>                      2,279,000            1,608,000
<LOANS-TROUBLED>                          0                    0
<LOANS-PROBLEM>                   2,688,000            1,868,000
<ALLOWANCE-OPEN>                  1,853,000            1,715,000
<CHARGE-OFFS>                         7,000               15,000
<RECOVERIES>                         12,000                6,000
<ALLOWANCE-CLOSE>                 2,123,000            1,766,000
<ALLOWANCE-DOMESTIC>                      0                    0
<ALLOWANCE-FOREIGN>                       0                    0
<ALLOWANCE-UNALLOCATED>           2,123,000            1,766,000                     
        

</TABLE>