<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, 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>                                        6-MOS
<FISCAL-YEAR-END>                              JUN-30-1998
<PERIOD-START>                                 JUL-01-1997
<PERIOD-END>                                   DEC-31-1997
<EXCHANGE-RATE>                                      1.000
<CASH>                                           6,007,803
<INT-BEARING-DEPOSITS>                           1,679,051
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                      2,005,816
<INVESTMENTS-CARRYING>                          16,444,240
<INVESTMENTS-MARKET>                            18,559,135
<LOANS>                                        344,029,240
<ALLOWANCE>                                      1,794,751
<TOTAL-ASSETS>                                 388,329,079
<DEPOSITS>                                     290,367,820
<SHORT-TERM>                                    41,462,955
<LIABILITIES-OTHER>                              3,397,995
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         4,143,732
<OTHER-SE>                                      48,956,577
<TOTAL-LIABILITIES-AND-EQUITY>                 388,329,079
<INTEREST-LOAN>                                 14,359,868
<INTEREST-INVEST>                                  854,817
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                15,214,685
<INTEREST-DEPOSIT>                               6,636,878
<INTEREST-EXPENSE>                               7,821,091
<INTEREST-INCOME-NET>                            7,393,594
<LOAN-LOSSES>                                       90,000
<SECURITIES-GAINS>                                 116,945
<EXPENSE-OTHER>                                  3,978,060
<INCOME-PRETAX>                                  4,680,349
<INCOME-PRE-EXTRAORDINARY>                       4,680,349
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     3,056,168
<EPS-PRIMARY>                                         0.74
<EPS-DILUTED>                                         0.74
<YIELD-ACTUAL>                                        8.35
<LOANS-NON>                                              0
<LOANS-PAST>                                     1,592,000
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                  2,217,000
<ALLOWANCE-OPEN>                                 1,715,000
<CHARGE-OFFS>                                       25,000
<RECOVERIES>                                        15,000
<ALLOWANCE-CLOSE>                                1,795,000
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                          1,795,000
        

</TABLE>