<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, 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>                        3-MOS                3-MOS
<FISCAL-YEAR-END>              JUN-30-2000          JUN-30-1999
<PERIOD-START>                 JUL-01-1999          JUL-01-1998
<PERIOD-END>                   SEP-30-1999          SEP-30-1998
<EXCHANGE-RATE>                      1.000                1.000
<CASH>                           8,528,032            8,017,206
<INT-BEARING-DEPOSITS>           7,245,686              763,268
<FED-FUNDS-SOLD>                         0                    0
<TRADING-ASSETS>                         0                    0
<INVESTMENTS-HELD-FOR-SALE>      2,584,792            2,939,298
<INVESTMENTS-CARRYING>          38,330,647           51,589,119
<INVESTMENTS-MARKET>            37,206,000           54,849,298
<LOANS>                        417,085,869          376,642,666
<ALLOWANCE>                      2,157,448            2,122,889
<TOTAL-ASSETS>                 499,575,095          467,341,461
<DEPOSITS>                     400,995,371          382,488,761
<SHORT-TERM>                    37,470,823           23,219,101
<LIABILITIES-OTHER>              6,268,336            6,198,858
<LONG-TERM>                              0                    0
<PREFERRED-MANDATORY>                    0                    0
<PREFERRED>                              0                    0
<COMMON>                         3,972,511            4,129,612
<OTHER-SE>                      50,868,054           51,305,129
<TOTAL-LIABILITIES-AND-EQUITY> 499,575,095          467,341,461
<INTEREST-LOAN>                  8,286,225            7,712,415
<INTEREST-INVEST>                  814,159              432,242
<INTEREST-OTHER>                         0                    0
<INTEREST-TOTAL>                 9,100,384            8,710,566
<INTEREST-DEPOSIT>               4,241,041            4,227,346
<INTEREST-EXPENSE>               4,633,169            4,626,150
<INTEREST-INCOME-NET>            4,467,215            4,024,416
<LOAN-LOSSES>                       89,525               60,000
<SECURITIES-GAINS>                 153,135              108,267
<EXPENSE-OTHER>                  2,998,198            2,772,135
<INCOME-PRETAX>                  2,341,641            2,099,455
<INCOME-PRE-EXTRAORDINARY>       2,341,641            2,099,455
<EXTRAORDINARY>                          0                    0
<CHANGES>                                0                    0
<NET-INCOME>                     1,573,146            1,372,240
<EPS-BASIC>                         0.39                 0.33
<EPS-DILUTED>                         0.38                 0.33
<YIELD-ACTUAL>                        7.76                 8.01
<LOANS-NON>                      2,447,000            2,279,000
<LOANS-PAST>                             0                    0
<LOANS-TROUBLED>                         0                    0
<LOANS-PROBLEM>                  3,434,000            2,688,000
<ALLOWANCE-OPEN>                 2,108,000            1,853,000
<CHARGE-OFFS>                       44,000                7,000
<RECOVERIES>                         3,000               12,000
<ALLOWANCE-CLOSE>                2,157,000            2,123,000
<ALLOWANCE-DOMESTIC>                     0                    0
<ALLOWANCE-FOREIGN>                      0                    0
<ALLOWANCE-UNALLOCATED>          2,157,000            2,123,000


</TABLE>