<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, 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>                                        9-MOS               9-MOS
<FISCAL-YEAR-END>                              JUN-30-1998         JUN-30-1997
<PERIOD-START>                                 JUL-01-1997         JUL-01-1996 
<PERIOD-END>                                   MAR-31-1998         MAR-31-1997
<EXCHANGE-RATE>                                      1.000               1.000       
<CASH>                                          11,549,166           7,378,637
<INT-BEARING-DEPOSITS>                           4,463,842           3,043,979
<FED-FUNDS-SOLD>                                         0                   0
<TRADING-ASSETS>                                         0                   0
<INVESTMENTS-HELD-FOR-SALE>                      2,080,709           4,858,628
<INVESTMENTS-CARRYING>                          21,415,695          17,731,927
<INVESTMENTS-MARKET>                            23,540,970          22,832,982
<LOANS>                                        349,773,379         321,834,790
<ALLOWANCE>                                      1,815,000           1,730,000
<TOTAL-ASSETS>                                 407,347,069         372,299,611
<DEPOSITS>                                     305,894,750         277,194,945
<SHORT-TERM>                                    43,336,295          41,698,468
<LIABILITIES-OTHER>                              4,306,396           2,766,495
<LONG-TERM>                                              0                   0
<PREFERRED-MANDATORY>                                    0                   0
<PREFERRED>                                              0                   0
<COMMON>                                         4,132,812           4,165,353
<OTHER-SE>                                      49,676,816          46,474,350
<TOTAL-LIABILITIES-AND-EQUITY>                 407,347,069         372,299,611
<INTEREST-LOAN>                                 21,811,011          19,979,343
<INTEREST-INVEST>                                1,292,911           1,355,919
<INTEREST-OTHER>                                         0                   0
<INTEREST-TOTAL>                                23,103,921          21,335,262
<INTEREST-DEPOSIT>                              10,071,475           8,945,270
<INTEREST-EXPENSE>                              11,868,327          10,660,247
<INTEREST-INCOME-NET>                           11,235,595          10,675,015
<LOAN-LOSSES>                                      120,000             200,000
<SECURITIES-GAINS>                                 242,567             316,927
<EXPENSE-OTHER>                                  6,010,175           7,513,825
<INCOME-PRETAX>                                  7,170,500           4,885,208
<INCOME-PRE-EXTRAORDINARY>                       7,170,500           4,885,208
<EXTRAORDINARY>                                          0                   0
<CHANGES>                                                0                   0
<NET-INCOME>                                     4,705,673           3,200,829
<EPS-PRIMARY>                                         1.13                0.77
<EPS-DILUTED>                                         1.13                0.76
<YIELD-ACTUAL>                                        8.39                8.28
<LOANS-NON>                                              0                   0
<LOANS-PAST>                                     1,723,000           1,172,000
<LOANS-TROUBLED>                                         0                   0
<LOANS-PROBLEM>                                  1,931,000           1,752,000
<ALLOWANCE-OPEN>                                 1,715,000           1,613,000
<CHARGE-OFFS>                                       32,000              86,000
<RECOVERIES>                                        18,000               3,000
<ALLOWANCE-CLOSE>                                1,821,000           1,730,000
<ALLOWANCE-DOMESTIC>                                     0                   0
<ALLOWANCE-FOREIGN>                                      0                   0
<ALLOWANCE-UNALLOCATED>                          1,821,000           1,730,000
        

</TABLE>