| T | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---|-----------------------------------------------------------------------------------------|

| £ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|--------|------------------------------------------------------------------------------------------|

|   | FEDFIRST FINANCIAL CORPORATION                         |   |
|--------|--------------------------------------------------------|--------|
|   | (Exact name of registrant as specified in its charter) |   |

| United States                                                  |   | 25-1828028                           |
|----------------------------------------------------------------|--------|--------------------------------------|
| (State or other jurisdiction of incorporation or organization) |   | (I.R.S. Employer Identification No.) |

| Donner at Sixth Street, Monessen, Pennsylvania |   | 15062      |
|------------------------------------------------|--------|------------|
| (Address of principal executive offices)       |   | (Zip Code) |

|   | (724) 684-6800                                             |   |
|--------|------------------------------------------------------------|--------|
|   | (Registrant’s telephone number, including area code) |   |

| Large accelerated filer                                                  | £ |   | Accelerated filer         | £ |
|--------------------------------------------------------------------------|--------|--------|---------------------------|--------|
| Non-accelerated filer(Do not check if a smaller reporting company)  | £ |   | Smaller reporting company | T      |

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|                                                                                                                                                                       | Page   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                                                                                       |   |
| PART I – FINANCIAL INFORMATION                                                                                                                                       |   |
|                                                                                                                                                                       |   |
| Item 1. Financial Statements.                                                                                                                                         | 1      |
|                                                                                                                                                                       |   |
| Consolidated Statements of Financial Condition at June 30, 2009 (Unaudited)and December 31, 2008                                                                 | 1      |
|                                                                                                                                                                       |   |
| Consolidated Statements of Operations (Unaudited) for the Three and Six Months Ended June30, 2009 and 2008                                                       | 2      |
|                                                                                                                                                                       |   |
| Consolidated Statements of Changes in Stockholders’ Equity and Comprehensive Income (Loss) for the Six MonthsEnded June 30, 2009 and 2008 (Unaudited) | 3      |
|                                                                                                                                                                       |   |
| Consolidated Statements of Cash Flows for the Six Months Ended June30, 2009 and 2008 (Unaudited)                                                                      | 5      |
|                                                                                                                                                                       |   |
| Notes to the Unaudited Consolidated Financial Statements                                                                                                                   | 6      |
|                                                                                                                                                                       |   |
| Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations.                                                                       | 23     |
|                                                                                                                                                                       |   |
| Item 3. Quantitative and Qualitative Disclosures About Market Risk.                                                                                                   | 32     |
|                                                                                                                                                                       |   |
| Item 4. Controls and Procedures.                                                                                                                                      | 32     |
|                                                                                                                                                                       |   |
| PART II – OTHER INFORMATION                                                                                                                                          |   |
|                                                                                                                                                                       |   |
| Item 1. Legal Proceedings.                                                                                                                                            | 33     |
|                                                                                                                                                                       |   |
| Item 1A. Risk Factors.                                                                                                                                                     | 33     |
|                                                                                                                                                                       |   |
| Item 2. Unregistered Sales of Equity Securities and Use of Proceeds.                                                                                                       | 33     |
|                                                                                                                                                                       |   |
| Item 3. Defaults Upon Senior Securities.                                                                                                                                   | 33     |
|                                                                                                                                                                       |   |
| Item 4T. Submission of Matters to a Vote of Security Holders.                                                                                                              | 34     |
|                                                                                                                                                                       |   |
| Item 5. Other Information.                                                                                                                                                 | 34     |
|                                                                                                                                                                       |   |
| Item 6. Exhibits.                                                                                                                                                          | 34     |
|                                                                                                                                                                       |   |
| SIGNATURES                                                                                                                                                                 | 35     |

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PART

Item

|                                                                         |   | June 30,    |    |   | December 31, |   |
|------------------------------------------------------------------------------|--------|-------------|---------|--------|--------------|--------|
|                                                                         |   | 2009        |    |   | 2008         |   |
| (Dollars in thousands, except share data)                                    |   | (UNAUDITED) |    |   |         |   |
| Assets:                                                                      |   |        |    |   |         |   |
|                                                                         |   |        |    |   |         |   |
| Cash and cash equivalents:                                                   |   |        |    |   |         |   |
| Cash and due from banks                                                      |   | $           | 1,970   |   |         | $      | 2,224 |   |
| Interest-earning deposits                                                    |   |        | 5,601   |   |         |   | 5,623 |   |
| Total cash and cash equivalents                                              |   |        | 7,571   |   |         |   | 7,847 |   |
|                                                                         |   |        |    |   |         |   |   |   |
| Securities available-for-sale                                                |   |        | 76,505  |   |         |   | 85,433 |   |
| Loans, net                                                                   |   |        | 236,348 |   |         |   | 230,184 |   |
| Federal Home Loan Bank ("FHLB") stock, at cost                               |   |        | 6,901   |   |         |   | 6,901 |   |
| Accrued interest receivable - loans                                          |   |        | 1,099   |   |         |   | 1,147 |   |
| Accrued interest receivable - securities                                     |   |        | 417     |   |         |   | 505 |   |
| Premises and equipment, net                                                  |   |        | 2,640   |   |         |   | 2,735 |   |
| Bank-owned life insurance                                                    |   |        | 7,571   |   |         |   | 7,431 |   |
| Goodwill                                                                     |   |        | 1,080   |   |         |   | 1,080 |   |
| Real estate owned                                                            |   |        | 306     |   |         |   | 295 |   |
| Deferred tax assets                                                          |   |        | 4,488   |   |         |   | 4,930 |   |
| Other assets                                                                 |   |        | 784     |   |         |   | 1,273 |   |
| Total assets                                                                 |   | $           | 345,710 |   |         | $      | 349,761 |   |
|                                                                         |   |        |    |   |         |   |   |   |
| Liabilities and Stockholders' Equity:                                        |   |        |    |   |         |   |   |   |
|                                                                         |   |        |    |   |         |   |   |   |
| Deposits:                                                                    |   |        |    |   |         |   |   |   |
| Noninterest-bearing                                                          |   |        | 14,460  |   |         |   | 12,005 |   |
| Interest-bearing                                                             |   |        | 169,464 |   |         |   | 160,799 |   |
| Total deposits                                                               |   |        | 183,924 |   |         |   | 172,804 |   |
|                                                                         |   |        |    |   |         |   |   |   |
| Borrowings                                                                   |   |        | 116,267 |   |         |   | 132,410 |   |
| Advance payments by borrowers for taxes and insurance                        |   |        | 710     |   |         |   | 474 |   |
| Accrued interest payable - deposits                                          |   |        | 406     |   |         |   | 743 |   |
| Accrued interest payable - borrowings                                        |   |        | 529     |   |         |   | 546 |   |
| Other liabilities                                                            |   |        | 3,396   |   |         |   | 3,360 |   |
| Total liabilities                                                            |   |        | 305,232 |   |         |   | 310,337 |   |
|                                                                         |   |        |    |   |         |   |   |   |
| Stockholders' equity                                                         |   |        |    |   |         |   |   |   |
| FedFirst Financial Corporation stockholders' equity:                         |   |        |    |   |         |   |   |   |
| Preferred stock $0.01 par value; 10,000,000 shares authorized; none issued   |   |        | -       |   |         |   | - |   |
| Common stock $0.01 par value; 20,000,000 shares authorized; 6,707,500 shares |   |        |    |   |         |   |   |   |
| issued and 6,324,775 and 6,351,775 shares outstanding                        |   |        | 67      |   |         |   | 67 |   |
| Additional paid-in-capital                                                   |   |        | 29,505  |   |         |   | 29,291 |   |
| Retained earnings - substantially restricted                                 |   |        | 17,429  |   |         |   | 15,930 |   |
| Accumulated other comprehensive loss, net of deferred taxes of               |   |        |    |   |         |   |   |   |
| $(1,063) and $(716)                                                          |   |        | (1,650  | )      |         |   | (1,111 | ) |
| Unearned Employee Stock Ownership Plan ("ESOP")                              |   |        | (1,814  | )      |         |   | (1,901 | ) |
| Common stock held in treasury, at cost (382,725 and 355,725 shares)          |   |        | (3,144  | )      |         |   | (2,955 | ) |
| Total FedFirst Financial Corporation stockholders' equity                    |   |        | 40,393  |   |         |   | 39,321 |   |
| Noncontrolling interest in subsidiary                                        |   |        | 85      |   |         |   | 103 |   |
| Total stockholders' equity                                                   |   |        | 40,478  |   |         |   | 39,424 |   |
| Total liabilities and stockholders' equity                                   |   | $           | 345,710 |   |         | $      | 349,761 |   |

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|                                                                   |   | For the Three Months |      |   | For the Six Months |   |
|------------------------------------------------------------------------|--------|----------------------|-----------|--------|--------------------|--------|
|                                                                   |   | Ended June 30,       |      |   | Ended June 30,     |   |
| (Dollars in thousands, except per share data)                          |   | 2009                 |      |   | 2008               |   |   | 2009 |   |   | 2008 |   |
|                                                                   |   |                 |      |   |               |   |   |   |   |   |   |   |
| Interest income:                                                       |   |                 |      |   |               |   |   |   |   |   |   |   |
| Loans                                                                  |   | $                    | 3,377     |   |               | $      | 2,901 |   |   | $ | 6,732 |   |   | $ | 5,719 |   |
| Securities                                                             |   |                 | 1,102     |   |               |   | 1,373 |   |   |   | 2,311 |   |   |   | 2,759 |   |
| Other interest-earning assets                                          |   |                 | 5         |   |               |   | 81 |   |   |   | 11 |   |   |   | 183 |   |
| Total interest income                                                  |   |                 | 4,484     |   |               |   | 4,355 |   |   |   | 9,054 |   |   |   | 8,661 |   |
|                                                                   |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Interest expense:                                                      |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                               |   |                 | 1,030     |   |               |   | 1,231 |   |   |   | 2,154 |   |   |   | 2,539 |   |
| Borrowings                                                             |   |                 | 1,188     |   |               |   | 1,125 |   |   |   | 2,414 |   |   |   | 2,243 |   |
| Total interest expense                                                 |   |                 | 2,218     |   |               |   | 2,356 |   |   |   | 4,568 |   |   |   | 4,782 |   |
| Net interest income                                                    |   |                 | 2,266     |   |               |   | 1,999 |   |   |   | 4,486 |   |   |   | 3,879 |   |
|                                                                   |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Provision for loan losses                                              |   |                 | 230       |   |               |   | 220 |   |   |   | 390 |   |   |   | 279 |   |
| Net interest income after provision for loan losses                    |   |                 | 2,036     |   |               |   | 1,779 |   |   |   | 4,096 |   |   |   | 3,600 |   |
|                                                                   |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest income:                                                    |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Fees and service charges                                               |   |                 | 134       |   |               |   | 118 |   |   |   | 266 |   |   |   | 220 |   |
| Insurance commissions                                                  |   |                 | 595       |   |               |   | 393 |   |   |   | 1,296 |   |   |   | 1,113 |   |
| Income from bank-owned life insurance                                  |   |                 | 71        |   |               |   | 69 |   |   |   | 145 |   |   |   | 136 |   |
| Net gain on sales of available-for-sale securities                     |   |                 | 73        |   |               |   | - |   |   |   | 73 |   |   |   | 156 |   |
| Gain (loss) on sale of real estate owned                               |   |                 | 9         |   |               |   | - |   |   |   | 9 |   |   |   | (3 | ) |
| Other                                                                  |   |                 | 5         |   |               |   | 9 |   |   |   | 11 |   |   |   | 12 |   |
| Total noninterest income                                               |   |                 | 887       |   |               |   | 589 |   |   |   | 1,800 |   |   |   | 1,634 |   |
|                                                                   |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest expense:                                                   |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Compensation and employee benefits                                     |   |                 | 1,480     |   |               |   | 1,312 |   |   |   | 2,938 |   |   |   | 2,774 |   |
| Occupancy                                                              |   |                 | 344       |   |               |   | 318 |   |   |   | 698 |   |   |   | 659 |   |
| FDIC insurance premiums                                                |   |                 | 339       |   |               |   | 5 |   |   |   | 348 |   |   |   | 11 |   |
| Data processing                                                        |   |                 | 110       |   |               |   | 105 |   |   |   | 217 |   |   |   | 211 |   |
| Professional services                                                  |   |                 | 181       |   |               |   | 141 |   |   |   | 312 |   |   |   | 269 |   |
| Other                                                                  |   |                 | 357       |   |               |   | 355 |   |   |   | 696 |   |   |   | 666 |   |
| Total noninterest expense                                              |   |                 | 2,811     |   |               |   | 2,236 |   |   |   | 5,209 |   |   |   | 4,590 |   |
|                                                                   |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Income before income tax expense and noncontrolling interest           |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| in net income of consolidated subsidiary                               |   |                 | 112       |   |               |   | 132 |   |   |   | 687 |   |   |   | 644 |   |
| Income tax expense                                                     |   |                 | 45        |   |               |   | 54 |   |   |   | 263 |   |   |   | 255 |   |
| Net income before noncontrolling interest in net income                |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| of consolidated subsidiary                                             |   |                 | 67        |   |               |   | 78 |   |   |   | 424 |   |   |   | 389 |   |
| Less: Noncontrolling interest in net income of consolidated subsidiary |   |                 | 19        |   |               |   | 13 |   |   |   | 57 |   |   |   | 56 |   |
| Net income of FedFirst Financial Corporation                           |   | $                    | 48        |   |               | $      | 65 |   |   | $ | 367 |   |   | $ | 333 |   |
|                                                                   |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Earnings per share:                                                    |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Basic and diluted                                                      |   | $                    | 0.01      |   |               | $      | 0.01 |   |   | $ | 0.06 |   |   | $ | 0.06 |   |
|                                                                   |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Weighted-average shares outstanding:                                   |   |                 |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Basic and diluted                                                      |   |                 | 6,078,615 |   |               |   | 5,995,088 |   |   |   | 6,076,000 |   |   |   | 5,983,500 |   |

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|                                    |   |   |   |   |       |   |   |     |   |   | Accumulated   |   |   |     |   |   | Common   |   |   |           |   |   |          |   |   |          |   |
|-----------------------------------------|--------|--------|--------|--------|------------|--------|--------|----------|--------|--------|---------------|--------|--------|----------|--------|--------|----------|--------|--------|----------------|--------|--------|---------------|--------|--------|---------------|--------|
|                                    |   |   |   |   | Additional |   |   |     |   |   | Other         |   |   |     |   |   | Stock    |   |   | Noncontrolling |   |   | Total         |   |   |          |   |
|                                    |   | Common |   |   | Paid-in-   |   |   | Retained |   |   | Comprehensive |   |   | Unearned |   |   | Held in  |   |   | Interest in    |   |   | Stockholders' |   |   | Comprehensive |   |
| (Dollars in thousands)                  |   | Stock  |   |   | Capital    |   |   | Earnings |   |   | Loss          |   |   | ESOP     |   |   | Treasury |   |   | Subsidiary     |   |   | Equity        |   |   | Income (Loss) |   |
| Balance at January 1, 2008              |   | $      | 67     |   |       | $      | 29,084 |     |   | $      | 18,520        |   |   | $        | (70    | )      |     | $      | (2,074 | )              |   | $      | (1,754        | )      |   | $             | 80     |   |   | $ | 43,853 |   |   |   |   |
| Comprehensive income:                   |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |
| Net income                              |   |   | -      |   |       |   | -      |     |   |   | 333           |   |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | 56     |   |   |   | 389 |   |   | $ | 389 |   |
| Unrealized gain on securities           |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| available-for-sale,                     |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| net of tax of $(1,269)                  |   |   | -      |   |       |   | -      |     |   |   | -             |   |   |     | (1,969 | )      |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | (1,969 | ) |   |   | (1,969 | ) |
| Reclassification adjustment             |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| on sales of securities                  |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| available-for-sale,                     |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| net of tax $60                          |   |   | -      |   |       |   | -      |     |   |   | -             |   |   |     | (94    | )      |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | (94 | ) |   |   | (94 | ) |
| Cumulative effect adjustment on         |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| benefit plan reserve                    |   |   | -      |   |       |   | -      |     |   |   | (445          | )      |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | (445 | ) |   |   |   |   |
| Purchase of common stock to be          |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| held in treasury (121,125 shares)       |   |   | -      |   |       |   | -      |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | (985          | )      |   |          | -      |   |   |   | (985 | ) |   |   |   |   |
| ESOP shares committed to be             |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| released (8,640 shares)                 |   |   | -      |   |       |   | (16    | )        |   |   | -             |   |   |     | -      |   |     |   | 87     |           |   |   | -             |   |   |          | -      |   |   |   | 71 |   |   |   |   |   |
| Stock-based compensation expense        |   |   | -      |   |       |   | 173    |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | 173 |   |   |   |   |   |
| Distribution to minority shareholder    |   |   | -      |   |       |   | -      |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | (53    | ) |   |   | (53 | ) |   |   |   |   |
| Total comprehensive loss                |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   | (1,674 | ) |
| Less: Comprehensive income attributable |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| to the noncontrolling interest          |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| in subsidiary                           |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   | 56 |   |
| Comprehensive loss attributable    |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| to FedFirst Financial Corporation       |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   | $ | (1,730 | ) |
|                                    |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| Balance at June 30, 2008                |   | $      | 67     |   |       | $      | 29,241 |     |   | $      | 18,408        |   |   | $        | (2,133 | )      |     | $      | (1,987 | )              |   | $      | (2,739        | )      |   | $             | 83     |   |   | $ | 40,940 |   |   |   |   |   |

----

----

|                                              |   |   |   |   |       |   |   |     |   |   | Accumulated   |   |   |     |   |   | Common   |   |   |           |   |   |          |   |   |          |   |
|---------------------------------------------------|--------|--------|--------|--------|------------|--------|--------|----------|--------|--------|---------------|--------|--------|----------|--------|--------|----------|--------|--------|----------------|--------|--------|---------------|--------|--------|---------------|--------|
|                                              |   |   |   |   | Additional |   |   |     |   |   | Other         |   |   |     |   |   | Stock    |   |   | Noncontrolling |   |   | Total         |   |   |          |   |
|                                              |   | Common |   |   | Paid-in-   |   |   | Retained |   |   | Comprehensive |   |   | Unearned |   |   | Held in  |   |   | Interest in    |   |   | Stockholders' |   |   | Comprehensive |   |
|                                              |   | Stock  |   |   | Capital    |   |   | Earnings |   |   | Loss          |   |   | ESOP     |   |   | Treasury |   |   | Subsidiary     |   |   | Equity        |   |   | Income        |   |
| Balance at January 1, 2009                        |   | $      | 67     |   |       | $      | 29,291 |     |   | $      | 15,930        |   |   | $        | (1,111 | )      |     | $      | (1,901 | )              |   | $      | (2,955        | )      |   | $             | 103    |   |   | $ | 39,424 |   |   |   |   |
| Cumulative effect adjustment as of                |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |
| April 1, 2009 relating to FSP                     |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |
| FAS 115-2, net of tax of $584                     |   |   | -      |   |       |   | -      |     |   |   | 1,132         |   |   |     | (1,132 | )      |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | - |   |   |   |   |
| Comprehensive income:                             |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |
| Net income                                        |   |   | -      |   |       |   | -      |     |   |   | 367           |   |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | 57     |   |   |   | 424 |   |   | $ | 424 |   |
| Unrealized gain on securities                     |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| available-for-sale,                               |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| net of tax of $393                                |   |   | -      |   |       |   | -      |     |   |   | -             |   |   |     | 610    |   |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | 610 |   |   |   | 610 |   |
| Reclassification adjustment                       |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| on sales of securities                            |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| available-for-sale,                               |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| net of tax of $11                                 |   |   | -      |   |       |   | -      |     |   |   | -             |   |   |     | (17    | )      |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | (17 | ) |   |   | (17 | ) |
| Purchase of common stock to be                    |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| held in treasury (15,000 shares)                  |   |   | -      |   |       |   | -      |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | (67           | )      |   |          | -      |   |   |   | (67 | ) |   |   |   |   |
| ESOP shares committed to be                       |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| released (8,640 shares)                           |   |   | -      |   |       |   | (54    | )        |   |   | -             |   |   |     | -      |   |     |   | 87     |           |   |   | -             |   |   |          | -      |   |   |   | 33 |   |   |   |   |   |
| Stock-based compensation expense                  |   |   | -      |   |       |   | 146    |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | 146 |   |   |   |   |   |
| Stock awards forfeited                            |   |   | -      |   |       |   | 122    |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | (122          | )      |   |          | -      |   |   |   | - |   |   |   |   |   |
|    Distribution to minority shareholder |   |   | -      |   |       |   | -      |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | (75    | ) |   |   | (75 | ) |   |   |   |   |
| Total comprehensive income                        |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   | 1,017 |   |
| Less: Comprehensive income attributable           |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| to the noncontrolling interest                    |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| in subsidiary                                     |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   | 57 |   |
| Comprehensive income attributable                 |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| to FedFirst Financial Corporation                 |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   | $ | 960 |   |
|                                              |   |   |   |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| Balance at June 30, 2009                          |   | $      | 67     |   |       | $      | 29,505 |     |   | $      | 17,429        |   |   | $        | (1,650 | )      |     | $      | (1,814 | )              |   | $      | (3,144        | )      |   | $             | 85     |   |   | $ | 40,478 |   |   |   |   |   |

----

----

|                                                              |   | For the Six Months |    |
|-------------------------------------------------------------------|--------|--------------------|---------|
|                                                              |   | Ended June 30,     |    |
| (Dollars in thousands)                                            |   | 2009               |    |   | 2008 |   |
| Cash flows from operating activities:                             |   |               |    |   |   |   |
| Net income of FedFirst Financial Corporation                      |   | $                  | 367     |   |   | $ | 333 |   |
| Adjustments to reconcile net income to net cash provided          |   |               |    |   |   |   |   |   |
| by operating activities                                           |   |               |    |   |   |   |   |   |
| Minority interest in net income of consolidated subsidiary        |   |               | 57      |   |   |   | 56 |   |
| Provision for loan losses                                         |   |               | 390     |   |   |   | 279 |   |
| Depreciation                                                      |   |               | 273     |   |   |   | 248 |   |
| Amortization of intangibles                                       |   |               | 23      |   |   |   | - |   |
| Net gain on sales of securities                                   |   |               | (73     | ) |   |   | (156 | ) |
| Net (gain) loss on sale of real estate owned                      |   |               | (9      | ) |   |   | 3 |   |
| Net accretion (amortization) of security premiums and loan costs  |   |               | 188     |   |   |   | (53 | ) |
| Noncash expense for ESOP                                          |   |               | 33      |   |   |   | 71 |   |
| Noncash expense for stock-based compensation                      |   |               | 146     |   |   |   | 173 |   |
| Noncash benefit plan reserve                                      |   |               | -       |   |   |   | 445 |   |
| Increase in bank-owned life insurance                             |   |               | (145    | ) |   |   | (136 | ) |
| Decrease (increase) in other assets                               |   |               | 1,251   |   |   |   | (566 | ) |
| Decrease in other liabilities                                     |   |               | (306    | ) |   |   | (89 | ) |
| Net cash provided by operating activities                         |   |               | 2,195   |   |   |   | 608 |   |
|                                                              |   |               |    |   |   |   |   |   |
| Cash flows from investing activities:                             |   |               |    |   |   |   |   |   |
| Net loan originations                                             |   |               | (6,623  | ) |   |   | (19,921 | ) |
| Proceeds from maturities of and principal repayments of           |   |               |    |   |   |   |   |   |
| securities available-for-sale                                     |   |               | 16,638  |   |   |   | 9,213 |   |
| Proceeds from sales of securities available-for-sale              |   |               | 4,094   |   |   |   | 8,766 |   |
| Purchases of securities available-for-sale                        |   |               | (11,041 | ) |   |   | (28,352 | ) |
| Purchases of premises and equipment                               |   |               | (178    | ) |   |   | (138 | ) |
| Acquisition of Allsurance Insurance Agency                        |   |               | (525    | ) |   |   | - |   |
| Increase in FHLB stock, at cost                                   |   |               | -       |   |   |   | (941 | ) |
| Proceeds from sale of real estate owned                           |   |               | 18      |   |   |   | 509 |   |
| Net cash provided by (used in) investing activities               |   |               | 2,383   |   |   |   | (30,864 | ) |
|                                                              |   |               |    |   |   |   |   |   |
| Cash flows from financing activities:                             |   |               |    |   |   |   |   |   |
| Net decrease in-short term borrowings                             |   |               | (6,000  | ) |   |   | (4,700 | ) |
| Proceeds from long-term borrowings                                |   |               | 10,000  |   |   |   | 33,499 |   |
| Repayments of long-term borrowings                                |   |               | (20,143 | ) |   |   | (8,965 | ) |
| Net increase in deposits                                          |   |               | 11,120  |   |   |   | 12,999 |   |
| Increase in advance payments by borrowers for taxes and insurance |   |               | 236     |   |   |   | 139 |   |
| Purchases of common stock held in treasury                        |   |               | (67     | ) |   |   | (985 | ) |
| Net cash (used in) provided by financing activities               |   |               | (4,854  | ) |   |   | 31,987 |   |
|                                                              |   |               |    |   |   |   |   |   |
| Net (decrease) increase in cash and cash equivalents              |   |               | (276    | ) |   |   | 1,731 |   |
| Cash and cash equivalents, beginning of period                    |   |               | 7,847   |   |   |   | 5,552 |   |
|                                                              |   |               |    |   |   |   |   |   |
| Cash and cash equivalents, end of period                          |   | $                  | 7,571   |   |   | $ | 7,283 |   |
|                                                              |   |               |    |   |   |   |   |   |
| Supplemental cash flow information:                               |   |               |    |   |   |   |   |   |
| Cash paid for:                                                    |   |               |    |   |   |   |   |   |
| Interest on deposits and borrowings                               |   | $                  | 4,922   |   |   | $ | 5,039 |   |
| Income tax expense                                                |   |               | 135     |   |   |   | 31 |   |
|                                                              |   |               |    |   |   |   |   |   |
| Real estate acquired in settlement of loans                       |   |               | 22      |   |   |   | 360 |   |

----

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----

| ·   | The period after the balance sheet date during which management of a reporting entity should evaluate events or transactions that may occur for potential recognition or disclosure in the financial statements. |
|--------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | The circumstances under which an entity should recognize events or transactions occurring after the balance sheet date in its financial statements. |
|--------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | The disclosures that an entity should make about events or transactions that occurred after the balance sheet date. |
|--------------------|---------------------------------------------------------------------------------------------------------------------|

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----

----

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|                                |   |      |   |   | Gross      |   |   | Gross      |   |   |   |   |
|-------------------------------------|--------|-----------|--------|--------|------------|--------|--------|------------|--------|--------|--------|--------|
|                                |   | Amortized |   |   | Unrealized |   |   | Unrealized |   |   | Fair   |   |
| June 30, 2009                       |   | Cost      |   |   | Gains      |   |   | Losses     |   |   | Value  |   |
| Government-Sponsored Enterprises    |   | $         | 3,000  |   |       | $      | -      |       |   | $      | 126    |   |   | $ | 2,874 |   |
| Municipal bonds                     |   |      | 4,015  |   |       |   | 140    |       |   |   | 2      |   |   |   | 4,153 |   |
| Mortgage-backed                     |   |      | 35,106 |   |       |   | 1,010  |       |   |   | 51     |   |   |   | 36,065 |   |
| REMICs                              |   |      | 33,053 |   |       |   | 881    |       |   |   | 2,026  |   |   |   | 31,908 |   |
| Corporate debt                      |   |      | 3,995  |   |       |   | -      |       |   |   | 2,539  |   |   |   | 1,456 |   |
| Equities                            |   |      | 49     |   |       |   | -      |       |   |   | -      |   |   |   | 49 |   |
| Total securities available-for-sale |   | $         | 79,218 |   |       | $      | 2,031  |       |   | $      | 4,744  |   |   | $ | 76,505 |   |
|                                |   |      |   |   |       |   |   |       |   |   |   |   |   |   |   |   |
| December 31, 2008                   |   |      |   |   |       |   |   |       |   |   |   |   |   |   |   |   |
| Government-Sponsored Enterprises    |   | $         | 9,267  |   |       | $      | 99     |       |   | $      | -      |   |   | $ | 9,366 |   |
| Mortgage-backed                     |   |      | 41,359 |   |       |   | 708    |       |   |   | 87     |   |   |   | 41,980 |   |
| REMICs                              |   |      | 32,590 |   |       |   | 318    |       |   |   | 525    |   |   |   | 32,383 |   |
| Corporate debt                      |   |      | 3,995  |   |       |   | -      |       |   |   | 2,340  |   |   |   | 1,655 |   |
| Equities                            |   |      | 49     |   |       |   | -      |       |   |   | -      |   |   |   | 49 |   |
| Total securities available-for-sale |   | $         | 87,260 |   |       | $      | 1,125  |       |   | $      | 2,952  |   |   | $ | 85,433 |   |

|                       |   | Amortized |   |   | Fair   |   |
|----------------------------|--------|-----------|--------|--------|--------|--------|
| (Dollars in thousands)     |   | Cost      |   |   | Value  |   |
| Due in one year or less    |   | $         | -      |   |   | $      | - |   |
| Due from one to five years |   |      | 2,413  |   |   |   | 2,413 |   |
| Due from five to ten years |   |      | 8,109  |   |   |   | 8,204 |   |
| Due after ten years        |   |      | 68,647 |   |   |   | 65,839 |   |
| No scheduled maturity      |   |      | 49     |   |   |   | 49 |   |
| Total                      |   | $         | 79,218 |   |   | $      | 76,505 |   |

----

----

|                                  |   | Less than 12 months |   |   | 12 months or more |   |   | Total      |
|---------------------------------------|--------|---------------------|--------|--------|-------------------|--------|--------|------------|
|                                  |   | Number of           |   |   | Fair              |   |   | Unrealized |   |   | Number of |   |   | Fair |   |   | Unrealized |   |   | Number of |   |   | Fair |   | Unrealized |
| June 30, 2009                         |   | Securities          |   |   | Value             |   |   | Losses     |   |   | Securities |   |   | Value |   |   | Losses |   |   | Securities |   |   | Value |   | Losses |
| Government-sponsored enterprises      |   |                | 1      |   |              | $      | 2,874  |       |   | $ | 126 |   |   |   | - |   |   | $ | - |   |   | $ | - |   |   |   | 1 |   |   | $ | 2,874 |   |   | $ | 126 |   |
| Municipal bonds                       |   |                | 1      |   |              |   | 2,004  |       |   |   | 2 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1 |   |   |   | 2,004 |   |   |   | 2 |   |
| Mortgage-backed                       |   |                | 26     |   |              |   | 2,393  |       |   |   | 50 |   |   |   | 3 |   |   |   | 34 |   |   |   | 1 |   |   |   | 29 |   |   |   | 2,427 |   |   |   | 51 |   |
|                                  |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| REMICs:                               |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Private label issuer:                 |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Prime fixed and adjustable rate       |   |                | 2      |   |              |   | 724    |       |   |   | 98 |   |   |   | 3 |   |   |   | 1,091 |   |   |   | 57 |   |   |   | 5 |   |   |   | 1,815 |   |   |   | 155 |   |
| Alt-A fixed rate                      |   |                | 9      |   |              |   | 4,497  |       |   |   | 1,834 |   |   |   | 1 |   |   |   | 841 |   |   |   | 25 |   |   |   | 10 |   |   |   | 5,338 |   |   |   | 1,859 |   |
| Government-sponsored enterprises      |   |                | 3      |   |              |   | 1,232  |       |   |   | 10 |   |   |   | 1 |   |   |   | 268 |   |   |   | 2 |   |   |   | 4 |   |   |   | 1,500 |   |   |   | 12 |   |
| Total REMICs                          |   |                | 14     |   |              |   | 6,453  |       |   |   | 1,942 |   |   |   | 5 |   |   |   | 2,200 |   |   |   | 84 |   |   |   | 19 |   |   |   | 8,653 |   |   |   | 2,026 |   |
|                                  |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Corporate debt                        |   |                | -      |   |              |   | -      |       |   |   | - |   |   |   | 3 |   |   |   | 1,456 |   |   |   | 2,539 |   |   |   | 3 |   |   |   | 1,456 |   |   |   | 2,539 |   |
| Total securities temporarily impaired |   |                | 42     |   |              | $      | 13,724 |       |   | $ | 2,120 |   |   |   | 11 |   |   | $ | 3,690 |   |   | $ | 2,624 |   |   |   | 53 |   |   | $ | 17,414 |   |   | $ | 4,744 |   |
|                                  |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                  |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                  |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                  |   | Less than 12 months |   |   | 12 months or more |   |   | Total      |
|                                  |   | Number of           |   |   | Fair              |   |   | Unrealized |   |   | Number of |   |   | Fair |   |   | Unrealized |   |   | Number of |   |   | Fair |   | Unrealized |
| December 31, 2008                     |   | Securities          |   |   | Value             |   |   | Losses     |   |   | Securities |   |   | Value |   |   | Losses |   |   | Securities |   |   | Value |   | Losses |
| Mortgage-backed                       |   |                | 71     |   |              | $      | 9,052  |       |   | $ | 86 |   |   |   | 2 |   |   | $ | 14 |   |   | $ | 1 |   |   |   | 73 |   |   | $ | 9,066 |   |   | $ | 87 |   |
|                                  |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| REMICs:                               |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Private label issuer:                 |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Prime fixed and adjustable rate       |   |                | 3      |   |              |   | 1,277  |       |   |   | 137 |   |   |   | 2 |   |   |   | 710 |   |   |   | 185 |   |   |   | 5 |   |   |   | 1,987 |   |   |   | 322 |   |
| Alt-A fixed rate                      |   |                | 1      |   |              |   | 894    |       |   |   | 23 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1 |   |   |   | 894 |   |   |   | 23 |   |
| Government-sponsored enterprises      |   |                | 7      |   |              |   | 3,406  |       |   |   | 180 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 7 |   |   |   | 3,406 |   |   |   | 180 |   |
| Total REMICs                          |   |                | 11     |   |              |   | 5,577  |       |   |   | 340 |   |   |   | 2 |   |   |   | 710 |   |   |   | 185 |   |   |   | 13 |   |   |   | 6,287 |   |   |   | 525 |   |
|                                  |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Corporate debt                        |   |                | -      |   |              |   | -      |       |   |   | - |   |   |   | 3 |   |   |   | 1,655 |   |   |   | 2,340 |   |   |   | 3 |   |   |   | 1,655 |   |   |   | 2,340 |   |
| Total securities temporarily impaired |   |                | 82     |   |              | $      | 14,629 |       |   | $ | 426 |   |   |   | 7 |   |   | $ | 2,379 |   |   | $ | 2,526 |   |   |   | 89 |   |   | $ | 17,008 |   |   | $ | 2,952 |   |

----

----

| Pool             |   | Class     |   | Tranche |   |   | Amortized Cost |   |   | Fair Value |   |   | Unrealized Loss |   |   | S&P / Fitch Rating |   | CurrentNumberof InsuranceCompanies |   |   | Actual Deferralsand Defaultsas a Percentof CurrentCollateral |   |   | Excess Subordination as a Percent of Current Performing Collateral |   |
|------------------|--------|-----------|--------|---------|--------|--------|----------------|--------|--------|------------|--------|--------|-----------------|--------|--------|------------------------|--------|------------------------------------|--------|--------|--------------------------------------------------------------|--------|--------|--------------------------------------------------------------------|--------|
| I-PreTSL 1  |   | Mezzanine |   |    | B-3    |   |           | $      | 1,500  |       |   | $      | 897             |   |   | $                      | (603   | )                                  |   | B+/BB  |                                                         |   | 18     |                                                               |   |   | 16.60% |   |   |   | 5.72% |   |
| I-PreTSL 2       |   | Mezzanine |   |    | B-3    |   |           |   | 2,495  |       |   |   | 559             |   |   |                   | (1,936 | )                                  |   | B+/BB  |                                                         |   | 29     |                                                               |   |   | - |   |   |   | 13.04% |   |
|             |   |      |   |    |   |   |           | $      | 3,995  |       |   | $      | 1,456           |   |   | $                      | (2,539 | )                                  |   |   |                                                         |   |   |                                                               |   |   |   |   |   |   |   |   |

----

----

|          |   | Less than 12 months |   |   | 12 months or more |   |   | Total      |   |
|---------------|--------|---------------------|--------|--------|-------------------|--------|--------|------------|--------|
|          |   | Number of           |   |   | Fair              |   |   | Unrealized |   |   | Number of |   |   | Fair |   |   | Unrealized |   |   | Number of |   |   | Fair |   |   | Unrealized |   |
| June 30, 2009 |   | Securities          |   |   | Value             |   |   | Losses     |   |   | Securities |   |   | Value |   |   | Losses |   |   | Securities |   |   | Value |   |   | Losses |   |
| Vintage       |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 2003          |   |                | 1      |   |              | $      | 363    |       |   | $ | 6 |   |   |   | 4 |   |   | $ | 1,932 |   |   | $ | 82 |   |   |   | 5 |   |   | $ | 2,295 |   |   | $ | 88 |   |
| 2004          |   |                | 1      |   |              |   | 361    |       |   |   | 92 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1 |   |   |   | 361 |   |   |   | 92 |   |
| 2005          |   |                | 1      |   |              |   | 362    |       |   |   | 104 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1 |   |   |   | 362 |   |   |   | 104 |   |
| 2006          |   |                | 6      |   |              |   | 3,264  |       |   |   | 1,398 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 6 |   |   |   | 3,264 |   |   |   | 1,398 |   |
| 2007          |   |                | 2      |   |              |   | 871    |       |   |   | 332 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 2 |   |   |   | 871 |   |   |   | 332 |   |
| Total         |   |                | 11     |   |              | $      | 5,221  |       |   | $ | 1,932 |   |   |   | 4 |   |   | $ | 1,932 |   |   | $ | 82 |   |   |   | 15 |   |   | $ | 7,153 |   |   | $ | 2,014 |   |

----

----

| Key Assumptions |   | Percentage      |   |
|-----------------|--------|-----------------|--------|
| Prepayment rate |   | 6 CPR           |   |
| Loss Severity   |   | 39 - 63%        |   |
| Default         |   |  5 - 10.5% |   |

----

----

|                                 |                           |   | June 30, 2009 |    |    | December 31, 2008 |   |
|--------------------------------------|--------------------------------|--------|---------------|---------|---------|-------------------|--------|
| (Dollars in thousands)               |                           | Amount |          |    | Percent |              |   | Amount |   |   | Percent |   |
| Real estate-mortgage:                |                           |   |          |    |    |              |   |   |   |   |   |   |
|                                 | One-to-four family residential |   | $             | 155,563 |    |              |   | 64.9 | %  |   | $ | 155,871 |   |   |   | 65.7 | % |
|                                 | Multi-family                   |   |          | 11,054  |    |              |   | 4.6 |   |   |   | 10,946 |   |   |   | 4.6 |   |
|                                 | Commercial                     |   |          | 29,502  |    |              |   | 12.3 |   |   |   | 24,301 |   |   |   | 10.3 |   |
|                                 | Total real estate-mortgage     |   |          | 196,119 |    |              |   | 81.8 |   |   |   | 191,118 |   |   |   | 80.6 |   |
|                                 |                           |   |          |    |    |              |   |   |   |   |   |   |   |   |   |   |   |
| Real estate-construction:            |                           |   |          |    |    |              |   |   |   |   |   |   |   |   |   |   |
|                                 | Residential                    |   |          | 5,646   |    |              |   | 2.4 |   |   |   | 9,833 |   |   |   | 4.2 |   |
|                                 | Commercial                     |   |          | 3,443   |    |              |   | 1.4 |   |   |   | 3,443 |   |   |   | 1.5 |   |
|                                 | Total real estate-construction |   |          | 9,089   |    |              |   | 3.8 |   |   |   | 13,276 |   |   |   | 5.7 |   |
|                                 |                           |   |          |    |    |              |   |   |   |   |   |   |   |   |   |   |   |
| Consumer:                            |                           |   |          |    |    |              |   |   |   |   |   |   |   |   |   |   |
|                                 | Home equity                    |   |          | 23,736  |    |              |   | 9.9 |   |   |   | 22,344 |   |   |   | 9.4 |   |
|                                 | Loans on savings accounts      |   |          | 900     |    |              |   | 0.4 |   |   |   | 886 |   |   |   | 0.4 |   |
|                                 | Home improvement               |   |          | 200     |    |              |   | 0.1 |   |   |   | 233 |   |   |   | 0.1 |   |
|                                 | Other                          |   |          | 509     |    |              |   | 0.2 |   |   |   | 588 |   |   |   | 0.2 |   |
|                                 | Total consumer                 |   |          | 25,345  |    |              |   | 10.6 |   |   |   | 24,051 |   |   |   | 10.1 |   |
|                                 |                           |   |          |    |    |              |   |   |   |   |   |   |   |   |   |   |   |
| Commercial business                  |                           |   | 9,163         |    |    |              | 3.8    |   |   |   | 8,474 |   |   |   | 3.6 |   |
|        | Total loans                    |   | $             | 239,716 |    |              |   | 100.0 | %  |   | $ | 236,919 |   |   |   | 100.0 | % |
|                                 |                           |   |          |    |    |              |   |   |   |   |   |   |   |   |   |   |   |
| Net premiums on loans purchased      |                           |   | 117           |    |    |              |   |   |   |   | 120 |   |   |   |   |   |
| Net deferred loan costs              |                           |   | 806           |    |    |              |   |   |   |   | 850 |   |   |   |   |   |
| Loans in process                     |                           |   | (2,144        | )       |    |              |   |   |   |   | (5,899 | ) |   |   |   |   |
| Allowance for loan losses            |                           |   | (2,147        | )       |    |              |   |   |   |   | (1,806 | ) |   |   |   |   |
|        | Loans, net                     |   | $             | 236,348 |    |              |   |   |   |   | $ | 230,184 |   |   |   |   |   |

----

----

|                                       |   | June 30, |   |    | December 31, |   |
|--------------------------------------------|--------|----------|--------|---------|--------------|--------|
| (Dollars in thousands)                     |   | 2009     |   |    | 2008         |   |
| Nonaccrual loans:                          |   |     |   |    |         |   |
| Real estate - mortgage                     |   | $        | 1,636  |    |         | $      | 632 |   |
| Consumer                                   |   |     | 113    |    |         |   | 4 |   |
| Total                                      |   |     | 1,749  |    |         |   | 636 |   |
|                                       |   |     |   |    |         |   |   |   |
| Accruing loans past due 90 days or more    |   |     | -      |    |         |   | - |   |
| Total of nonaccrual and 90 days or more    |   |     |   |    |         |   |   |   |
| past due loans (nonperforming loans)       |   |     | 1,749  |    |         |   | 636 |   |
| Real estate owned                          |   |     | 306    |    |         |   | 295 |   |
| Total nonperforming assets                 |   | $        | 2,055  |    |         | $      | 931 |   |
|                                       |   |     |   |    |         |   |   |   |
| Troubled debt restructurings               |   |     | -      |    |         |   | - |   |
| Troubled debt restructurings and total     |   |     |   |    |         |   |   |   |
| nonperforming assets                       |   | $        | 2,055  |    |         | $      | 931 |   |
|                                       |   |     |   |    |         |   |   |   |
| Total nonperforming loans to total loans   |   |     | 0.73   | %  |         |   | 0.27 | % |
| Total nonperforming assets to total assets |   |     | 0.59   |    |         |   | 0.27 |   |

|                             |   | Three Months Ended |   |   | Six Months Ended |   |   | Year Ended   |   |
|----------------------------------|--------|--------------------|--------|--------|------------------|--------|--------|--------------|--------|
|                             |   | June 30,           |   |   | June 30,         |   |   | December 31, |   |
| (Dollars in thousands)           |   | 2009               |   |   | 2008             |   |   | 2009         |   |   | 2008 |   |   | 2008 |   |
| Allowance at beginning of period |   | $                  | 1,953  |   |             | $      | 1,345  |         |   | $ | 1,806 |   |   | $ | 1,457 |   |   | $ | 1,457 |   |
| Provision for loan losses        |   |               | 230    |   |             |   | 220    |         |   |   | 390 |   |   |   | 279 |   |   |   | 878 |   |
| Charge-offs                      |   |               | (36    | )      |             |   | (49    | )            |   |   | (50 | ) |   |   | (220 | ) |   |   | (529 | ) |
| Recoveries                       |   |               | -      |   |             |   | -      |         |   |   | 1 |   |   |   | - |   |   |   | - |   |
| Net charge-offs                  |   |               | (36    | )      |             |   | (49    | )            |   |   | (49 | ) |   |   | (220 | ) |   |   | (529 | ) |
| Allowance at end of period       |   | $                  | 2,147  |   |             | $      | 1,516  |         |   | $ | 2,147 |   |   | $ | 1,516 |   |   | $ | 1,806 |   |

----

----

|                                 |           |   | June 30, 2009 |    | December 31, 2008 |
|--------------------------------------|----------------|--------|---------------|---------|-------------------|
| (Dollars in thousands)               |           | Amount |          |    | Percent           |   | Amount |   |   | Percent |
| Noninterest-bearing demand deposits  |           | $      | 14,460        |    |              |   | 7.9 | % |   | $ | 12,005 |   |   |   | 6.9 | % |
| Interest-bearing demand deposits     |           |   | 13,112        |    |              |   | 7.1 |   |   |   | 11,336 |   |   |   | 6.6 |   |
| Savings accounts                     |           |   | 22,769        |    |              |   | 12.4 |   |   |   | 22,477 |   |   |   | 13.0 |   |
| Money market accounts                |           |   | 49,683        |    |              |   | 27.0 |   |   |   | 43,873 |   |   |   | 25.4 |   |
| Certificates of deposit              |           |   | 83,900        |    |              |   | 45.6 |   |   |   | 83,113 |   |   |   | 48.1 |   |
|        | Total deposits |   | $             | 183,924 |              |   |   | 100.0 | % |   | $ | 172,804 |   |   |   | 100.0 | % |

|                       |   | June 30, 2009 |    | December 31, 2008 |
|----------------------------|--------|---------------|---------|-------------------|
|                       |   |          |    | Weighted          |   |   |   | Weighted |
|                       |   |          |    | Average           |   |   |   | Average |
| (Dollars in thousands)     |   | Balance       |    | Rate              |   | Balance |   | Rate |
| Due in one year or less    |   | $             | 20,080  |              |   |   | 4.64 | % |   | $ | 33,739 |   |   |   | 3.39 | % |
| Due in one to two years    |   |          | 32,566  |              |   |   | 3.75 |   |   |   | 25,950 |   |   |   | 4.20 |   |
| Due in two to three years  |   |          | 8,051   |              |   |   | 4.26 |   |   |   | 23,215 |   |   |   | 3.57 |   |
| Due in three to four years |   |          | 24,554  |              |   |   | 4.30 |   |   |   | 22,803 |   |   |   | 4.53 |   |
| Due in four to five years  |   |          | 28,016  |              |   |   | 3.54 |   |   |   | 23,703 |   |   |   | 3.68 |   |
| Due after five years       |   |          | 3,000   |              |   |   | 5.13 |   |   |   | 3,000 |   |   |   | 5.13 |   |
| Total                      |   | $             | 116,267 |              |   |   | 4.04 | % |   | $ | 132,410 |   |   |   | 3.87 | % |

|                                                        | Six Months |   |    | Year         |
|-------------------------------------------------------------|------------|--------|---------|--------------|
|                                                        | Ended      |   |    | Ended        |
|                                                        | June 30,   |   |    | December 31, |
| (Dollars in thousands)                                      | 2009       |   |    | 2008         |
| Maximum amount outstanding at any month end                 |       |   |    |         |   |   |   |
|        during the period |       | $      | 127,559 |         |   |   | $ | 135,337 |   |
| Average amounts outstanding during the period               |       |   | 122,821 |         |   |   |   | 120,704 |   |
| Weighted average rate during the period                     |       |   | 3.93    | %       |   |   |   | 3.99 | % |

----

----

|                                             |   | Three Months Ended |      |   | Six Months Ended |   |
|--------------------------------------------------|--------|--------------------|-----------|--------|------------------|--------|
|                                             |   | June 30,           |      |   | June 30,         |   |
| (Dollars in thousands, except per share amounts) |   | 2009               |      |   | 2008             |   |   | 2009 |   |   | 2008 |   |
|                                             |   |               |      |   |             |   |   |   |   |   |   |   |
| Net income of FedFirst Financial Corporation     |   | $                  | 48        |   |             | $      | 65 |   |   | $ | 367 |   |   | $ | 333 |   |
| Weighted-average shares outstanding:             |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Basic                                            |   |               | 6,078,615 |   |             |   | 5,995,088 |   |   |   | 6,076,000 |   |   |   | 5,983,500 |   |
| Effect of dilutive stock options and             |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| restrictive stock awards                         |   |               | -         |   |             |   | - |   |   |   | - |   |   |   | - |   |
| Diluted                                          |   |               | 6,078,615 |   |             |   | 5,995,088 |   |   |   | 6,076,000 |   |   |   | 5,983,500 |   |
|                                             |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Earnings per share:                              |   |               |      |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Basic and diluted                                |   | $                  | 0.01      |   |             | $      | 0.01 |   |   | $ | 0.06 |   |   | $ | 0.06 |   |

|   | Level 1 – | Quoted prices for identical instruments in active markets. |
|--------|----------------------|------------------------------------------------------------|

|   | Level 2 – | Quoted prices for similar instruments in active markets; quoted prices for identical or similar instruments in markets that are active, and model derived valuations in which significant inputs or significant drivers are observable in active markets. |
|--------|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Level 3 – | Valuations derived from valuation techniques in which one or more significant inputs or significant drivers are unobservable. |
|--------|-----------------|-------------------------------------------------------------------------------------------------------------------------------|

----

----

| (Dollars in thousands)                                                                                                                                                                                 |   | June 30, 2009       |   |   | December 31, 2008 |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|---------------------|--------|--------|-------------------|--------|
| Significant other observable inputs (Level 2)                                                                                                                                                          |   | $                   | 73,363 |   |              | $      | 80,062 |   |
| Significant unobservable inputs (Level 3)                                                                                                                                                              |   |                | 3,142  |   |              |   | 5,371 |   |
| Total securities                                                                                                                                                                                       |   | $                   | 76,505 |   |              | $      | 85,433 |   |
|                                                                                                                                                                                                   |   |                |   |   |              |   |   |   |
|                                                                                                                                                                                                   |   | Significant         |   |   |              |   |   |
|                                                                                                                                                                                                   |   | Unobservable Inputs |   |   |              |   |   |
| (Dollars in thousands)                                                                                                                                                                                 |   | (Level 3)           |   |   |              |   |   |
| December 31, 2007                                                                                                                                                                                      |   | $                   | 6,390  |   |              |   |   |   |
| Total unrealized losses                                                                                                                                                                                |   |                | (2,199 | )      |              |   |   |   |
| Paydowns and maturities                                                                                                                                                                                |   |                | (307   | )      |              |   |   |   |
| Net transfers in of level 3                                                                                                                                                                            |   |                | 1,487  |   |              |   |   |   |
| December 31, 2008                                                                                                                                                                                      |   | $                   | 5,371  |   |              |   |   |   |
| Total unrealized losses                                                                                                                                                                                |   |                | (109   | )      |              |   |   |   |
| Paydowns and maturities                                                                                                                                                                                |   |                | (330   | )      |              |   |   |   |
| Net transfers out of level 3                                                                                                                                                                           |   |                | (1,790 | )      |              |   |   |   |
| June 30, 2009                                                                                                                                                                                          |   | $                   | 3,142  |   |              |   |   |   |
|                                                                                                                                                                                                   |   |                |   |   |              |   |   |   |
|                                                                                                                                                                                                   |   |                |   |   |              |   |   |   |
| (Dollars in thousands)                                                                                                                                                                                 |   | June 30, 2009       |   |   | December 31, 2008 |   |
| The amount of total unrealized losses for the period included in earnings (or changes in net assets) attributable to the change in unrealized losses relating to assets still held at period indicated |   | $                   | (109   | )      |              | $      | (2,199 | ) |

----

----

----

----

| (Dollars in thousands) |                        | June 30, 2009 |     |    | December 31, 2008 |       |
|------------------------|-----------------------------|---------------|----------|---------|-------------------|------------|
|                   |                        |          | Carrying |    |              | Estimated  |   |   | Carrying |   |   | Estimated |   |
|                   |                        |          | Amount   |    |              | Fair Value |   |   | Amount |   |   | Fair Value |   |
| Financial assets:      |                        |          |     |    |              |       |   |   |   |   |   |   |
|                   | Cash and cash equivalents   |          | $        | 7,571   |              |       | $ | 7,571 |   |   | $ | 7,847 |   |   | $ | 7,847 |   |
|                   | Securities                  |          |     | 76,505  |              |       |   | 76,505 |   |   |   | 85,433 |   |   |   | 85,433 |   |
|                   | Loans, net                  |          |     | 236,348 |              |       |   | 241,682 |   |   |   | 230,184 |   |   |   | 235,331 |   |
|                   | FHLB stock                  |          |     | 6,901   |              |       |   | 6,901 |   |   |   | 6,901 |   |   |   | 6,901 |   |
|                   | Accrued interest receivable |          |     | 1,516   |              |       |   | 1,516 |   |   |   | 1,652 |   |   |   | 1,652 |   |
|                   |                        |          |     |    |              |       |   |   |   |   |   |   |   |   |   |   |   |
| Financial liabilities: |                        |          |     |    |              |       |   |   |   |   |   |   |   |   |   |   |
|                   | Deposits                    |          |     | 183,924 |              |       |   | 185,328 |   |   |   | 172,804 |   |   |   | 174,565 |   |
|                   | Borrowings                  |          |     | 116,267 |              |       |   | 119,271 |   |   |   | 132,410 |   |   |   | 135,740 |   |
|                   | Accrued interest payable    |          |     | 935     |              |       |   | 935 |   |   |   | 1,289 |   |   |   | 1,289 |   |

----

| (Dollars in thousands)                                                             | First FederalSavings Bank |   |    | ExchangeUnderwriters,Inc. |   |   | Other  |   |   | NetEliminations |   |   | Consolidated |   |
|------------------------------------------------------------------------------------|---------------------------|--------|---------|---------------------------|--------|--------|--------|--------|--------|-----------------|--------|--------|--------------|--------|
|                                                                               |                      |   |    |                      |   |   |   |   |   |            |   |   |         |   |   |
| June 30, 2009                                                                      |                      |   |    |                      |   |   |   |   |   |            |   |   |         |   |   |
|  Assets                                                                       |                      | $      | 345,843 |                      |   | $      | 1,419  |   |   | $               | 39,375 |   |         | $      | (40,927 | ) |   | $ | 345,710 |   |
|  Liabilities                                                                  |                      |   | 310,565 |                      |   |   | 662    |   |   |            | 43     |   |         |   | (6,038 | ) |   |   | 305,232 |   |
|  Stockholders' equity                                                         |                      |   | 35,278  |                      |   |   | 757    |   |   |            | 39,332 |   |         |   | (34,889 | ) |   |   | 40,478 |   |
|                                                                               |                      |   |    |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |   |
| December 31, 2008                                                                  |                      |   |    |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |   |
|  Assets                                                                       |                      | $      | 350,517 |                      |   | $      | 1,338  |   |   | $               | 39,346 |   |         | $      | (41,440 | ) |   | $ | 349,761 |   |
|  Liabilities                                                                  |                      |   | 316,262 |                      |   |   | 489    |   |   |            | 45     |   |         |   | (6,459 | ) |   |   | 310,337 |   |
|  Stockholders' equity                                                         |                      |   | 34,255  |                      |   |   | 849    |   |   |            | 39,301 |   |         |   | (34,981 | ) |   |   | 39,424 |   |
|                                                                               |                      |   |    |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |   |
| Three Months Ended June 30, 2009                                                   |                      |   |    |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |   |
|  Total interest income                                                        |                      | $      | 4,480   |                      |   | $      | 4      |   |   | $               | 30     |   |         | $      | (30 | ) |   | $ | 4,484 |   |
|  Total interest expense                                                       |                      |   | 2,248   |                      |   |   | -      |   |   |            | -      |   |         |   | (30 | ) |   |   | 2,218 |   |
|  Net interest income                                                          |                      |   | 2,232   |                      |   |   | 4      |   |   |            | 30     |   |         |   | - |   |   |   | 2,266 |   |
|  Provision for loan losses                                                    |                      |   | 230     |                      |   |   | -      |   |   |            | -      |   |         |   | - |   |   |   | 230 |   |
|  Net interest income after provision for loan losses                          |                      |   | 2,002   |                      |   |   | 4      |   |   |            | 30     |   |         |   | - |   |   |   | 2,036 |   |
|  Noninterest income                                                           |                      |   | 386     |                      |   |   | 595    |   |   |            | -      |   |         |   | (94 | ) |   |   | 887 |   |
|  Noninterest expense                                                          |                      |   | 2,309   |                      |   |   | 432    |   |   |            | 70     |   |         |   | - |   |   |   | 2,811 |   |
|  Undistributed net loss of subsidiary                                         |                      |   | 95      |                      |   |   | -      |   |   |            | -      |   |         |   | (95 | ) |   |   | - |   |
|  Income (loss) before income tax expense (benefit) and                        |                      |   |    |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |   |
| noncontrolling interest in net income of consolidated subsidiary                   |                      |   | 174     |                      |   |   | 167    |   |   |            | (40    | )      |         |   | (189 | ) |   |   | 112 |   |
|  Income tax expense (benefit)                                                 |                      |   | (13     | )                         |   |   | 72     |   |   |            | (14    | )      |         |   | - |   |   |   | 45 |   |
|  Net income (loss) before noncontrolling interest in net                      |                      |   |    |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |   |
|      income of consolidated subsidiary                    |                      |   | 187     |                      |   |   | 95     |   |   |            | (26    | )      |         |   | (189 | ) |   |   | 67 |   |
|  Less: Noncontrolling interest in net income of consolidated  subsidiary |                      |   | 19      |                      |   |   | -      |   |   |            | -      |   |         |   | - |   |   |   | 19 |   |
|  Net income (loss)                                                            |                      | $      | 168     |                      |   | $      | 95     |   |   | $               | (26    | )      |         | $      | (189 | ) |   | $ | 48 |   |
|                                                                               |                      |   |    |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |   |
| Six Months Ended June 30, 2009                                                     |                      |   |    |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |   |
|  Total interest income                                                        |                      | $      | 9,044   |                      |   | $      | 10     |   |   | $               | 59     |   |         | $      | (59 | ) |   | $ | 9,054 |   |
|  Total interest expense                                                       |                      |   | 4,627   |                      |   |   | -      |   |   |            | -      |   |         |   | (59 | ) |   |   | 4,568 |   |
|  Net interest income                                                          |                      |   | 4,417   |                      |   |   | 10     |   |   |            | 59     |   |         |   | - |   |   |   | 4,486 |   |
|  Provision for loan losses                                                    |                      |   | 390     |                      |   |   | -      |   |   |            | -      |   |         |   | - |   |   |   | 390 |   |
|  Net interest income after provision for loan losses                          |                      |   | 4,027   |                      |   |   | 10     |   |   |            | 59     |   |         |   | - |   |   |   | 4,096 |   |
|  Noninterest income                                                           |                      |   | 787     |                      |   |   | 1,296  |   |   |            | -      |   |         |   | (283 | ) |   |   | 1,800 |   |
|  Noninterest expense                                                          |                      |   | 4,271   |                      |   |   | 814    |   |   |            | 124    |   |         |   | - |   |   |   | 5,209 |   |
|  Undistributed net loss of subsidiary                                         |                      |   | 284     |                      |   |   | -      |   |   |            | -      |   |         |   | (284 | ) |   |   | - |   |
|  Income (loss) before income tax expense (benefit) and                        |                      |   |    |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |   |
| noncontrolling interest in net income of consolidated subsidiary                   |                      |   | 827     |                      |   |   | 492    |   |   |            | (65    | )      |         |   | (567 | ) |   |   | 687 |   |
|  Income tax expense (benefit)                                                 |                      |   | 71      |                      |   |   | 208    |   |   |            | (16    | )      |         |   | - |   |   |   | 263 |   |
|  Net income (loss) before noncontrolling interest in net                      |                      |   |    |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |   |
|      income of consolidated subsidiary                    |                      |   | 756     |                      |   |   | 284    |   |   |            | (49    | )      |         |   | (567 | ) |   |   | 424 |   |
|  Less: Noncontrolling interest in net income of consolidated  subsidiary |                      |   | 57      |                      |   |   | -      |   |   |            | -      |   |         |   | - |   |   |   | 57 |   |
|  Net income (loss)                                                            |                      | $      | 699     |                      |   | $      | 284    |   |   | $               | (49    | )      |         | $      | (567 | ) |   | $ | 367 |   |

----

----

| (Dollars in thousands) Three Months Ended June 30, 2008                 |   | First FederalSavings Bank |   |   | ExchangeUnderwriters,Inc. |   |   | Other  |   |   | NetEliminations |   |   | Consolidated |   |
|------------------------------------------------------------------------------|--------|---------------------------|--------|--------|---------------------------|--------|--------|--------|--------|--------|-----------------|--------|--------|--------------|--------|
|  Total interest income                                                  |   | $                         | 4,348  |   |                      | $      | 7      |   |   | $      | 32              |   |   | $            | (32    | ) |   | $ | 4,355 |   |
|  Total interest expense                                                 |   |                      | 2,388  |   |                      |   | -      |   |   |   | -               |   |   |         | (32    | ) |   |   | 2,356 |   |
|  Net interest income                                                    |   |                      | 1,960  |   |                      |   | 7      |   |   |   | 32              |   |   |         | -      |   |   |   | 1,999 |   |
|  Provision for loan losses                                              |   |                      | 220    |   |                      |   | -      |   |   |   | -               |   |   |         | -      |   |   |   | 220 |   |
|  Net interest income after provision for loan losses                    |   |                      | 1,740  |   |                      |   | 7      |   |   |   | 32              |   |   |         | -      |   |   |   | 1,779 |   |
|  Noninterest income                                                     |   |                      | 257    |   |                      |   | 393    |   |   |   | -               |   |   |         | (61    | ) |   |   | 589 |   |
|  Noninterest expense                                                    |   |                      | 1,890  |   |                      |   | 291    |   |   |   | 55              |   |   |         | -      |   |   |   | 2,236 |   |
|  Undistributed net loss of subsidiary                                   |   |                      | 61     |   |                      |   | -      |   |   |   | -               |   |   |         | (61    | ) |   |   | - |   |
|  Income (loss) before income tax expense (benefit) and                  |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
| noncontrolling interest in net income of consolidated subsidiary             |   |                      | 168    |   |                      |   | 109    |   |   |   | (23             | )      |   |         | (122   | ) |   |   | 132 |   |
|  Income tax expense (benefit)                                           |   |                      | 12     |   |                      |   | 48     |   |   |   | (6              | )      |   |         | -      |   |   |   | 54 |   |
|  Net income (loss) before noncontrolling interest in net                |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
| income of consolidated subsidiary                                            |   |                      | 156    |   |                      |   | 61     |   |   |   | (17             | )      |   |         | (122   | ) |   |   | 78 |   |
|  Less: Noncontrolling interest in net income of consolidated subsidiary |   |                      | 13     |   |                      |   | -      |   |   |   | -               |   |   |         | -      |   |   |   | 13 |   |
|  Net income (loss)                                                      |   | $                         | 143    |   |                      | $      | 61     |   |   | $      | (17             | )      |   | $            | (122   | ) |   | $ | 65 |   |
|                                                                         |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
| Six Months Ended June 30, 2008                                               |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
|  Total interest income                                                  |   | $                         | 8,644  |   |                      | $      | 17     |   |   | $      | 272             |   |   | $            | (272   | ) |   | $ | 8,661 |   |
|  Total interest expense                                                 |   |                      | 4,845  |   |                      |   | -      |   |   |   | -               |   |   |         | (63    | ) |   |   | 4,782 |   |
|  Net interest income                                                    |   |                      | 3,799  |   |                      |   | 17     |   |   |   | 272             |   |   |         | (209   | ) |   |   | 3,879 |   |
|  Provision for loan losses                                              |   |                      | 279    |   |                      |   | -      |   |   |   | -               |   |   |         | -      |   |   |   | 279 |   |
|  Net interest income after provision for loan losses                    |   |                      | 3,520  |   |                      |   | 17     |   |   |   | 272             |   |   |         | (209   | ) |   |   | 3,600 |   |
|  Noninterest income                                                     |   |                      | 799    |   |                      |   | 1,113  |   |   |   | -               |   |   |         | (278   | ) |   |   | 1,634 |   |
|  Noninterest expense                                                    |   |                      | 3,827  |   |                      |   | 649    |   |   |   | 114             |   |   |         | -      |   |   |   | 4,590 |   |
|  Undistributed net loss of subsidiary                                   |   |                      | 278    |   |                      |   | -      |   |   |   | -               |   |   |         | (278   | ) |   |   | - |   |
|  Income (loss) before income tax expense (benefit) and                  |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
| noncontrolling interest in net income of consolidated subsidiary             |   |                      | 770    |   |                      |   | 481    |   |   |   | 158             |   |   |         | (765   | ) |   |   | 644 |   |
|  Income tax expense (benefit)                                           |   |                      | 66     |   |                      |   | 203    |   |   |   | (14             | )      |   |         | -      |   |   |   | 255 |   |
|  Net income (loss) before noncontrolling interest in net                |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
|      income of consolidated subsidiary              |   |                      | 704    |   |                      |   | 278    |   |   |   | 172             |   |   |         | (765   | ) |   |   | 389 |   |
|  Less: Noncontrolling interest in net income of consolidated subsidiary |   |                      | 56     |   |                      |   | -      |   |   |   | -               |   |   |         | -      |   |   |   | 56 |   |
|  Net income (loss)                                                      |   | $                         | 648    |   |                      | $      | 278    |   |   | $      | 172             |   |   | $            | (765   | ) |   | $ | 333 |   |

----

----

----

----

|                                         |   | Three Months Ended |
|----------------------------------------------|--------|--------------------|
|                                         |   | June 30,           |
| (Dollars in thousands)                       |   | 2009               |   |   | 2008 |
| Net income of FedFirst Financial Corporation |   | $                  | 48 |   |   | $ | 65 |   |
| Return on average assets                     |   |               | 0.06 | % |   |   | 0.08 | % |
| Return on average equity                     |   |               | 0.47 |   |   |   | 0.61 |   |
| Average equity to average assets             |   |               | 11.71 |   |   |   | 12.83 |   |

----

----

|                               |   | Three Months Ended June 30, |    |
|------------------------------------|--------|-----------------------------|---------|
|                               |   | 2009                        |    |   | 2008 |   |
|                               |   |                        |    |   | Interest |   |   |   |   |   |   |   |   | Interest |   |   |   |   |
|                               |   | Average                     |    |   | and |   |   | Yield/ |   |   | Average |   |   | and |   |   | Yield/ |   |
| (Dollars in thousands)             |   | Balance                     |    |   | Dividends |   |   | Cost |   |   | Balance |   |   | Dividends |   |   | Cost |   |
| Assets:                            |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-earning assets:           |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans, net (1)(2)                  |   | $                           | 233,155 |   |   | $ | 3,377 |   |   |   | 5.79 | % |   | $ | 199,979 |   |   | $ | 2,901 |   |   |   | 5.80 | % |
| Securities (3)                     |   |                        | 83,906  |   |   |   | 1,102 |   |   |   | 5.25 |   |   |   | 101,883 |   |   |   | 1,373 |   |   |   | 5.39 |   |
| Other interest-earning assets      |   |                        | 7,282   |   |   |   | 5 |   |   |   | 0.27 |   |   |   | 11,914 |   |   |   | 81 |   |   |   | 2.72 |   |
| Total interest-earning assets      |   |                        | 324,343 |   |   | $ | 4,484 |   |   |   | 5.53 |   |   |   | 313,776 |   |   | $ | 4,355 |   |   |   | 5.55 |   |
| Noninterest-earning assets         |   |                        | 24,551  |   |   |   |   |   |   |   |   |   |   |   | 18,150 |   |   |   |   |   |   |   |   |   |
| Total assets                       |   | $                           | 348,894 |   |   |   |   |   |   |   |   |   |   | $ | 331,926 |   |   |   |   |   |   |   |   |   |
|                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities and                    |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Stockholders' equity:              |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liablities:       |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing                   |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| demand deposits                    |   | $                           | 12,988  |   |   | $ | 10 |   |   |   | 0.31 | % |   | $ | 11,931 |   |   | $ | 14 |   |   |   | 0.47 | % |
| Savings accounts                   |   |                        | 23,015  |   |   |   | 29 |   |   |   | 0.50 |   |   |   | 23,582 |   |   |   | 44 |   |   |   | 0.75 |   |
| Money market accounts              |   |                        | 48,053  |   |   |   | 253 |   |   |   | 2.11 |   |   |   | 27,745 |   |   |   | 217 |   |   |   | 3.13 |   |
| Certificates of deposit            |   |                        | 85,020  |   |   |   | 738 |   |   |   | 3.47 |   |   |   | 95,637 |   |   |   | 956 |   |   |   | 4.00 |   |
| Total interest-bearing deposits    |   |                        | 169,076 |   |   |   | 1,030 |   |   |   | 2.44 |   |   |   | 158,895 |   |   |   | 1,231 |   |   |   | 3.10 |   |
|                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Borrowings                         |   |                        | 119,426 |   |   |   | 1,188 |   |   |   | 3.98 |   |   |   | 114,001 |   |   |   | 1,125 |   |   |   | 3.95 |   |
| Total interest-bearing liabilities |   |                        | 288,502 |   |   |   | 2,218 |   |   |   | 3.08 |   |   |   | 272,896 |   |   |   | 2,356 |   |   |   | 3.45 |   |
|                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest-bearing liabilities    |   |                        | 19,534  |   |   |   |   |   |   |   |   |   |   |   | 16,438 |   |   |   |   |   |   |   |   |   |
| Total liabilities                  |   |                        | 308,036 |   |   |   |   |   |   |   |   |   |   |   | 289,334 |   |   |   |   |   |   |   |   |   |
|                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Stockholders' equity               |   |                        | 40,858  |   |   |   |   |   |   |   |   |   |   |   | 42,592 |   |   |   |   |   |   |   |   |   |
| Total liabilities and              |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| stockholders' equity               |   | $                           | 348,894 |   |   |   |   |   |   |   |   |   |   | $ | 331,926 |   |   |   |   |   |   |   |   |   |
|                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net interest income                |   |                        |    |   |   | $ | 2,266 |   |   |   |   |   |   |   |   |   |   | $ | 1,999 |   |   |   |   |   |
|                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest rate spread (4)           |   |                        |    |   |   |   |   |   |   |   | 2.45 | % |   |   |   |   |   |   |   |   |   |   | 2.10 | % |
| Net interest margin (5)            |   |                        |    |   |   |   |   |   |   |   | 2.79 |   |   |   |   |   |   |   |   |   |   |   | 2.55 |   |
| Average interest-earning           |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| assets to average                  |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| interest-bearing liablities        |   |                        |    |   |   |   |   |   |   |   | 112.42 | % |   |   |   |   |   |   |   |   |   |   | 114.98 | % |

| (1)  | Amount is net of deferred loan costs, loans in process and allowance for loan losses. |
|-----------|---------------------------------------------------------------------------------------|

| (2)  | Amount includes nonaccrual loans in average balances only. |
|-----------|------------------------------------------------------------|

| (3) | Amount does not include effect of unrealized gain (loss) on securities available-for-sale. |
|-----|--------------------------------------------------------------------------------------------|

| (4)  | Interest rate spread represents the difference between the weighted-average yield on interest-earning assets and the weighted-average cost of interest-bearing liabilities. |
|-----------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (5)  | Net interest margin represents net interest income divided by average interest-earning assets. |
|-----------|------------------------------------------------------------------------------------------------|

----

----

|                              |   | Three Months Ended June 30, 2009 |   |
|-----------------------------------|--------|----------------------------------|--------|
|                              |   | Compared To                      |   |
|                              |   | Three Months Ended June 30, 2008 |   |
|                              |   | Increase (decrease) due to       |   |
| (Dollars in thousands)            |   | Volume                           |   |   | Rate |   |   | Total |   |
|                              |   |                             |   |   |   |   |   |   |   |
| Interest and dividend income:     |   |                             |   |   |   |   |   |   |   |
| Loans, net                        |   | $                                | 481    |   |   | $ | (5 | ) |   | $ | 476 |   |
| Securities                        |   |                             | (236   | ) |   |   | (35 | ) |   |   | (271 | ) |
| Other interest-earning assets     |   |                             | (23    | ) |   |   | (53 | ) |   |   | (76 | ) |
| Total interest-earning assets     |   |                             | 222    |   |   |   | (93 | ) |   |   | 129 |   |
|                              |   |                             |   |   |   |   |   |   |   |   |   |   |
| Interest expense:                 |   |                             |   |   |   |   |   |   |   |   |   |   |
| Deposits                          |   |                             | 75     |   |   |   | (276 | ) |   |   | (201 | ) |
| Borrowings                        |   |                             | 54     |   |   |   | 9 |   |   |   | 63 |   |
| Total interest-bearing liablities |   |                             | 129    |   |   |   | (267 | ) |   |   | (138 | ) |
| Change in net interest income     |   | $                                | 93     |   |   | $ | 174 |   |   | $ | 267 |   |

----

----

|                               |   | Three Months Ended |   |
|------------------------------------|--------|--------------------|--------|
|                               |   | June 30,           |   |
| (Dollars in thousands)             |   | 2009               |   |   | 2008 |   |
| Compensation and employee benefits |   | $                  | 1,480  |   |   | $ | 1,312 |   |
| Occupancy                          |   |               | 344    |   |   |   | 318 |   |
| FDIC insurance premiums            |   |               | 339    |   |   |   | 5 |   |
| Data processing                    |   |               | 110    |   |   |   | 105 |   |
| Professional services              |   |               | 181    |   |   |   | 141 |   |
| Advertising                        |   |               | 31     |   |   |   | 38 |   |
| Stationary, printing and supplies  |   |               | 32     |   |   |   | 30 |   |
| Telephone                          |   |               | 16     |   |   |   | 15 |   |
| Postage                            |   |               | 35     |   |   |   | 33 |   |
| Correspondent bank fees            |   |               | 43     |   |   |   | 36 |   |
| All other                          |   |               | 200    |   |   |   | 203 |   |
| Total noninterest expense          |   | $                  | 2,811  |   |   | $ | 2,236 |   |

|                                         | Six Months Ended |
|----------------------------------------------|------------------|
|                                         | June 30,         |
| (Dollars in thousands)                       | 2009             |   | 2008 |
| Net income of FedFirst Financial Corporation | $                |  367 |   |   | $ |  333 |   |
| Return on average assets                     |             |  0.21 | % |   |   |  0.20 | % |
| Return on average equity                     |             |  1.82 |   |   |   |  1.55 |   |
| Average equity to average assets             |             |  11.56 |   |   |   |  13.18 |   |

----

----

|                               |   | Six Months Ended June 30, |    |
|------------------------------------|--------|---------------------------|---------|
|                               |   | 2009                      |    |   | 2008 |   |
|                               |   |                      |    |   | Interest |   |   |   |   |   |   |   |   | Interest |   |   |   |   |
|                               |   | Average                   |    |   | and |   |   | Yield/ |   |   | Average |   |   | and |   |   | Yield/ |   |
| (Dollars in thousands)             |   | Balance                   |    |   | Dividends |   |   | Cost |   |   | Balance |   |   | Dividends |   |   | Cost |   |
| Assets:                            |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-earning assets:           |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans, net (1)(2)                  |   | $                         | 231,609 |   |   | $ | 6,732 |   |   |   | 5.81 | % |   | $ | 195,321 |   |   | $ | 5,719 |   |   |   | 5.86 | % |
| Securities (3)                     |   |                      | 85,274  |   |   |   | 2,311 |   |   |   | 5.42 |   |   |   | 100,308 |   |   |   | 2,759 |   |   |   | 5.50 |   |
| Other interest-earning assets      |   |                      | 6,889   |   |   |   | 11 |   |   |   | 0.32 |   |   |   | 11,411 |   |   |   | 183 |   |   |   | 3.21 |   |
| Total interest-earning assets      |   |                      | 323,772 |   |   | $ | 9,054 |   |   |   | 5.59 |   |   |   | 307,040 |   |   | $ | 8,661 |   |   |   | 5.64 |   |
| Noninterest-earning assets         |   |                      | 25,336  |   |   |   |   |   |   |   |   |   |   |   | 18,721 |   |   |   |   |   |   |   |   |   |
| Total assets                       |   | $                         | 349,108 |   |   |   |   |   |   |   |   |   |   | $ | 325,761 |   |   |   |   |   |   |   |   |   |
|                               |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities and                    |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Stockholders' equity:              |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liablities:       |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing                   |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| demand deposits                    |   | $                         | 12,493  |   |   | $ | 24 |   |   |   | 0.38 | % |   | $ | 11,915 |   |   | $ | 28 |   |   |   | 0.47 | % |
| Savings accounts                   |   |                      | 22,837  |   |   |   | 70 |   |   |   | 0.61 |   |   |   | 23,347 |   |   |   | 95 |   |   |   | 0.81 |   |
| Money market accounts              |   |                      | 46,645  |   |   |   | 554 |   |   |   | 2.38 |   |   |   | 21,507 |   |   |   | 344 |   |   |   | 3.20 |   |
| Certificates of deposit            |   |                      | 84,932  |   |   |   | 1,506 |   |   |   | 3.55 |   |   |   | 98,400 |   |   |   | 2,072 |   |   |   | 4.21 |   |
| Total interest-bearing deposits    |   |                      | 166,907 |   |   |   | 2,154 |   |   |   | 2.58 |   |   |   | 155,169 |   |   |   | 2,539 |   |   |   | 3.27 |   |
|                               |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Borrowings                         |   |                      | 122,821 |   |   |   | 2,414 |   |   |   | 3.93 |   |   |   | 111,534 |   |   |   | 2,243 |   |   |   | 4.02 |   |
| Total interest-bearing liabilities |   |                      | 289,728 |   |   |   | 4,568 |   |   |   | 3.15 |   |   |   | 266,703 |   |   |   | 4,782 |   |   |   | 3.59 |   |
|                               |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest-bearing liabilities    |   |                      | 19,026  |   |   |   |   |   |   |   |   |   |   |   | 16,126 |   |   |   |   |   |   |   |   |   |
| Total liabilities                  |   |                      | 308,754 |   |   |   |   |   |   |   |   |   |   |   | 282,829 |   |   |   |   |   |   |   |   |   |
|                               |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Stockholders' equity:              |   |                      | 40,354  |   |   |   |   |   |   |   |   |   |   |   | 42,932 |   |   |   |   |   |   |   |   |   |
| Total liabilities and              |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| stockholders' equity               |   | $                         | 349,108 |   |   |   |   |   |   |   |   |   |   | $ | 325,761 |   |   |   |   |   |   |   |   |   |
|                               |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net interest income                |   |                      |    |   |   | $ | 4,486 |   |   |   |   |   |   |   |   |   |   | $ | 3,879 |   |   |   |   |   |
|                               |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest rate spread (4)           |   |                      |    |   |   |   |   |   |   |   | 2.44 | % |   |   |   |   |   |   |   |   |   |   | 2.05 | % |
| Net interest margin (5)            |   |                      |    |   |   |   |   |   |   |   | 2.77 |   |   |   |   |   |   |   |   |   |   |   | 2.53 |   |
| Average interest-earning           |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| assets to average                  |   |                      |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| interest-bearing liablities        |   |                      |    |   |   |   |   |   |   |   | 111.75 | % |   |   |   |   |   |   |   |   |   |   | 115.12 | % |

| (1)  | Amount is net of deferred loan costs, loans in process and allowance for loan losses. |
|-----------|---------------------------------------------------------------------------------------|

| (2) | Amount includes nonaccrual loans in average balances only. |
|-----|------------------------------------------------------------|

| (3)  | Amount does not include effect of unrealized gain (loss) on securities available-for-sale. |
|-----------|--------------------------------------------------------------------------------------------|

| (4)  | Interest rate spread represents the difference between the weighted-average yield on interest-earning assets and the weighted-average cost of interest-bearing liabilities. |
|-----------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (5)  | Net interest margin represents net interest income divided by average interest-earning assets. |
|-----------|------------------------------------------------------------------------------------------------|

----

----

|                                |   | Six Months Ended June 30, 2009 |   |
|-------------------------------------|--------|--------------------------------|--------|
|                                |   | Compared To                    |   |
|                                |   | Six Months Ended June 30, 2008 |   |
|                                |   | Increase (decrease) due to     |   |
| (Dollars in thousands)              |   | Volume                         |   |   | Rate |   |   | Total |   |
|                                |   |                           |   |   |   |   |   |   |   |
| Interest and dividend income:       |   |                           |   |   |   |   |   |   |   |
| Loans, net                          |   | $                              | 1,062  |   |   | $ | (49 | ) |   | $ | 1,013 |   |
| Securities                          |   |                           | (409   | ) |   |   | (39 | ) |   |   | (448 | ) |
|  Other interest-earning assets |   |                           | (52    | ) |   |   | (120 | ) |   |   | (172 | ) |
| Total interest-earning assets       |   |                           | 601    |   |   |   | (208 | ) |   |   | 393 |   |
|                                |   |                           |   |   |   |   |   |   |   |   |   |   |
| Interest expense:                   |   |                           |   |   |   |   |   |   |   |   |   |   |
| Deposits                            |   |                           | 181    |   |   |   | (566 | ) |   |   | (385 | ) |
| Borrowings                          |   |                           | 222    |   |   |   | (51 | ) |   |   | 171 |   |
| Total interest-bearing liablities   |   |                           | 403    |   |   |   | (617 | ) |   |   | (214 | ) |
|  Change in net interest income |   | $                              | 198    |   |   | $ | 409 |   |   | $ | 607 |   |

----

----

|                               |   | Six Months Ended |   |
|------------------------------------|--------|------------------|--------|
|                               |   | June 30,         |   |
| (Dollars in thousands)             |   | 2009             |   |   | 2008 |   |
| Compensation and employee benefits |   | $                | 2,938  |   |   | $  | 2,774 |   |
| Occupancy                          |   |             | 698    |   |   |   | 659 |   |
| FDIC insurance premiums            |   |             | 348    |   |   |   | 11 |   |
| Data processing                    |   |             | 217    |   |   |   | 211 |   |
| Professional services              |   |             | 312    |   |   |   | 270 |   |
| Advertising                        |   |             | 75     |   |   |   | 70 |   |
| Stationary, printing and supplies  |   |             | 67     |   |   |   | 58 |   |
| Telephone                          |   |             | 30     |   |   |   | 31 |   |
| Postage                            |   |             | 71     |   |   |   | 71 |   |
| Correspondent bank fees            |   |             | 85     |   |   |   | 79 |   |
| All other                          |   |             | 368    |   |   |   | 356 |   |
| Total noninterest expense          |   | $                | 5,209  |   |   | $ | 4,590 |   |

----

----

|                                       |   | June 30, |   |
|--------------------------------------------|--------|----------|--------|
| (Dollars in thousands)                     |   | 2009     |   |
| Loans in process                           |   | $        | 2,144  |   |
| Unused revolving lines of credit           |   |     | 3,227  |   |
| Unused commercial business lines of credit |   |     | 3,523  |   |
| One-to-four family residential commitments |   |     | 3,142  |   |
| Consumer commitments                       |   |     | 979    |   |
| Total commitments outstanding              |   | $        | 13,015 |   |

----

----

----

----

| Nominees                 |   | Votes For |   | Votes Withheld |
|--------------------------|--------|-----------|--------|----------------|
| Patrick G. O’Brien |   | 5,299,869 |   | 99,881         |

| Summary of Votes |   | Number of Shares |   | Percent of SharesRepresented at the Meetingand Entitled to Vote |
|------------------|--------|------------------|--------|-----------------------------------------------------------------|
| For              |   | 5,377,518        |   |                                                            | 99.59% |   |
| Against          |   | 21,833           |   |                                                            | 0.40% |   |
| Abstain          |   | 399              |   |                                                            | 0.01% |   |

| 3.1    | Amended and Restated Charter of FedFirst Financial Corporation (1)                                                                                                 |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                                                                                                                                               |
| 3.2    | Amended and Restated Bylaws of FedFirst Financial Corporation (2)                                                                                                  |
|   |                                                                                                                                                               |
| 4.0    | Specimen Stock Certificate of FedFirst Financial Corporation (1)                                                                                                   |
|   |                                                                                                                                                               |
| 10.1   | Amendment to the Employment Agreement between First Federal Savings Bank, FedFirst Financial Corporation and Patrick G. O’Brien, effective May 21, 2009 (3)  |
|   |                                                                                                                                                               |
| 10.2   | Consulting Agreement between FedFirst Financial Corporation, First Federal Savings Bank and John G. Robinson, effective May 22, 2009 (3)                           |
|   |                                                                                                                                                               |
| 10.3   | Amendment to the Employment Agreement between First Federal Savings Bank, FedFirst Financial Corporation and Robert C. Barry, Jr., effective June 1, 2009 (3)      |
|   |                                                                                                                                                               |
| 10.4   | Amendment to the Employment Agreement between First Federal Savings Bank, FedFirst Financial Corporation and Robert C. Barry, Jr., effective December 23, 2008 (3) |
|   |                                                                                                                                                               |
| 31.1   | Rule 13a-14 (a) / 15d-14 (a) Certification (President and Chief Executive Officer)                                                                                 |
|   |                                                                                                                                                               |
| 31.2   | Rule 13a-14 (a) / 15d-14 (a) Certification (Chief Financial Officer)                                                                                               |
|   |                                                                                                                                                               |
| 32.1   | Certification of Patrick G. O’Brien pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002                 |
|   |                                                                                                                                                               |
| 32.2   | Certification of Robert C. Barry Jr. pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002                      |

----

| (1) | Incorporated herein by reference to the Exhibits to the Registration Statement on Form SB-2, and amendments thereto, initially filed on December 17, 2004, Registration No. 333-121405. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | Incorporated herein by reference to the Exhibits to FedFirst Financial Corporation’s Form 10-K filed on March 16, 2009. |
|-----|-------------------------------------------------------------------------------------------------------------------------------|

| (3) | Management contract or compensation plan or arrangement. |
|-----|----------------------------------------------------------|

----

----

|   |            |   | FEDFIRST FINANCIAL CORPORATION                             |
|--------|-----------------|--------|------------------------------------------------------------|
|   |            |   | (Registrant)                                               |
|   |            |   |                                                       |
| Date:  | August 13, 2009 |   | /s/ Patrick G. O’Brien                               |
|   |            |   | Patrick G. O’Brien                                   |
|   |            |   | President and Chief Executive Officer                      |
|   |            |   |                                                       |
| Date:  | August 13, 2009 |   | /s/ Robert C. Barry Jr.                                    |
|   |            |   | Robert C. Barry Jr.                                        |
|   |            |   | Chief Financial Officer and Executive Vice President       |
|   |            |   | (Principal Financial Officer and Chief Accounting Officer) |

----