----

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| 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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INDEX

|                                                                                                                                                                             | Page   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                                                                                             |   |
| PART I – FINANCIAL INFORMATION                                                                                                                                             |   |
|                                                                                                                                                                             |   |
| Item 1. Financial Statements.                                                                                                                                               | 1      |
|                                                                                                                                                                             |   |
| Consolidated Statements of Financial Condition at September 30, 2009 (Unaudited)and December 31, 2008                                                                  | 1      |
|                                                                                                                                                                             |   |
| Consolidated Statements of Operations (Unaudited) for the Three and Nine MonthsEnded September 30, 2009 and 2008                                                  | 2      |
|                                                                                                                                                                             |   |
| Consolidated Statements of Changes in Stockholders’ Equity and Comprehensive Income (Loss) for the Nine MonthsEnded September 30, 2009 and 2008 (Unaudited) | 3      |
|                                                                                                                                                                             |   |
| Consolidated Statements of Cash Flows for the Nine Months Ended September30, 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.                                                                                                         | 34     |
|                                                                                                                                                                             |   |
| Item 4T. Controls and Procedures.                                                                                                                                           | 35     |
|                                                                                                                                                                             |   |
| PART II – OTHER INFORMATION                                                                                                                                                |   |
|                                                                                                                                                                             |   |
| Item 1. Legal Proceedings.                                                                                                                                                  | 35     |
|                                                                                                                                                                             |   |
| Item 1A. Risk Factors.                                                                                                                                                           | 35     |
|                                                                                                                                                                             |   |
| Item 2. Unregistered Sales of Equity Securities and Use of Proceeds.                                                                                                             | 36     |
|                                                                                                                                                                             |   |
| Item 3. Defaults Upon Senior Securities.                                                                                                                                         | 36     |
|                                                                                                                                                                             |   |
| Item 4. Submission of Matters to a Vote of Security Holders.                                                                                                                     | 36     |
|                                                                                                                                                                             |   |
| Item 5. Other Information.                                                                                                                                                       | 36     |
|                                                                                                                                                                             |   |
| Item 6. Exhibits.                                                                                                                                                                | 37     |
|                                                                                                                                                                             |   |
| SIGNATURES                                                                                                                                                                       | 38     |

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Table of Contents

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PART

Item

|                                                                         |   | September 30, |    |   | December 31, |   |
|------------------------------------------------------------------------------|--------|--------------------|---------|--------|--------------|--------|
|                                                                         |   | 2009               |    |   | 2008         |   |
| (Dollars in thousands, except share data)                                    |   | (UNAUDITED)        |    |   |         |   |
| Assets:                                                                      |   |               |    |   |         |   |
|                                                                         |   |               |    |   |         |   |
| Cash and cash equivalents:                                                   |   |               |    |   |         |   |
| Cash and due from banks                                                      |   | $                  | 1,560   |   |         | $      | 2,224 |   |
| Interest-earning deposits                                                    |   |               | 4,703   |   |         |   | 5,623 |   |
| Total cash and cash equivalents                                              |   |               | 6,263   |   |         |   | 7,847 |   |
|                                                                         |   |               |    |   |         |   |   |   |
| Securities available-for-sale                                                |   |               | 81,943  |   |         |   | 85,433 |   |
| Loans, net                                                                   |   |               | 241,001 |   |         |   | 230,184 |   |
| Federal Home Loan Bank ("FHLB") stock, at cost                               |   |               | 6,901   |   |         |   | 6,901 |   |
| Accrued interest receivable - loans                                          |   |               | 1,144   |   |         |   | 1,147 |   |
| Accrued interest receivable - securities                                     |   |               | 452     |   |         |   | 505 |   |
| Premises and equipment, net                                                  |   |               | 2,523   |   |         |   | 2,735 |   |
| Bank-owned life insurance                                                    |   |               | 7,641   |   |         |   | 7,431 |   |
| Goodwill                                                                     |   |               | 1,080   |   |         |   | 1,080 |   |
| Real estate owned                                                            |   |               | 386     |   |         |   | 295 |   |
| Deferred tax assets                                                          |   |               | 3,595   |   |         |   | 4,930 |   |
| Other assets                                                                 |   |               | 694     |   |         |   | 1,273 |   |
| Total assets                                                                 |   | $                  | 353,623 |   |         | $      | 349,761 |   |
|                                                                         |   |               |    |   |         |   |   |   |
| Liabilities and Stockholders' Equity:                                        |   |               |    |   |         |   |   |   |
|                                                                         |   |               |    |   |         |   |   |   |
| Deposits:                                                                    |   |               |    |   |         |   |   |   |
| Noninterest-bearing                                                          |   |               | 14,583  |   |         |   | 12,005 |   |
| Interest-bearing                                                             |   |               | 173,871 |   |         |   | 160,799 |   |
| Total deposits                                                               |   |               | 188,454 |   |         |   | 172,804 |   |
|                                                                         |   |               |    |   |         |   |   |   |
| Borrowings                                                                   |   |               | 118,773 |   |         |   | 132,410 |   |
| Advance payments by borrowers for taxes and insurance                        |   |               | 241     |   |         |   | 474 |   |
| Accrued interest payable - deposits                                          |   |               | 440     |   |         |   | 743 |   |
| Accrued interest payable - borrowings                                        |   |               | 437     |   |         |   | 546 |   |
| Other liabilities                                                            |   |               | 3,306   |   |         |   | 3,360 |   |
| Total liabilities                                                            |   |               | 311,651 |   |         |   | 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 6,326,472 and 6,351,775 shares outstanding                        |   |               | 67      |   |         |   | 67 |   |
| Additional paid-in-capital                                                   |   |               | 29,511  |   |         |   | 29,291 |   |
| Retained earnings - substantially restricted                                 |   |               | 17,534  |   |         |   | 15,930 |   |
| Accumulated other comprehensive loss, net of deferred taxes of               |   |               |    |   |         |   |   |   |
| $(220) and $(716)                                                            |   |               | (341    | )      |         |   | (1,111 | ) |
| Unearned Employee Stock Ownership Plan ("ESOP")                              |   |               | (1,771  | )      |         |   | (1,901 | ) |
| Common stock held in treasury, at cost (381,028 and 355,725 shares)          |   |               | (3,113  | )      |         |   | (2,955 | ) |
| Total FedFirst Financial Corporation stockholders' equity                    |   |               | 41,887  |   |         |   | 39,321 |   |
| Noncontrolling interest in subsidiary                                        |   |               | 85      |   |         |   | 103 |   |
| Total stockholders' equity                                                   |   |               | 41,972  |   |         |   | 39,424 |   |
| Total liabilities and stockholders' equity                                   |   | $                  | 353,623 |   |         | $      | 349,761 |   |

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|                                                             |   | For the Three Months |      |   | For the Nine Months |   |
|------------------------------------------------------------------|--------|----------------------|-----------|--------|---------------------|--------|
|                                                             |   | Ended September 30,  |      |   | Ended September 30, |   |
| (Dollars in thousands, except per share data)                    |   | 2009                 |      |   | 2008                |   |   | 2009 |   |   | 2008 |   |
|                                                             |   |                 |      |   |                |   |   |   |   |   |   |   |
| Interest income:                                                 |   |                 |      |   |                |   |   |   |   |   |   |   |
| Loans                                                            |   | $                    | 3,494     |   |                | $      | 3,218 |   |   | $ | 10,226 |   |   | $ | 8,937 |   |
| Securities                                                       |   |                 | 1,012     |   |                |   | 1,315 |   |   |   | 3,323 |   |   |   | 4,074 |   |
| Other interest-earning assets                                    |   |                 | 3         |   |                |   | 69 |   |   |   | 14 |   |   |   | 252 |   |
| Total interest income                                            |   |                 | 4,509     |   |                |   | 4,602 |   |   |   | 13,563 |   |   |   | 13,263 |   |
|                                                             |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Interest expense:                                                |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                         |   |                 | 987       |   |                |   | 1,149 |   |   |   | 3,141 |   |   |   | 3,688 |   |
| Borrowings                                                       |   |                 | 1,109     |   |                |   | 1,273 |   |   |   | 3,523 |   |   |   | 3,516 |   |
| Total interest expense                                           |   |                 | 2,096     |   |                |   | 2,422 |   |   |   | 6,664 |   |   |   | 7,204 |   |
| Net interest income                                              |   |                 | 2,413     |   |                |   | 2,180 |   |   |   | 6,899 |   |   |   | 6,059 |   |
|                                                             |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Provision for loan losses                                        |   |                 | 300       |   |                |   | 260 |   |   |   | 690 |   |   |   | 539 |   |
| Net interest income after provision for loan losses              |   |                 | 2,113     |   |                |   | 1,920 |   |   |   | 6,209 |   |   |   | 5,520 |   |
|                                                             |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest income:                                              |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Fees and service charges                                         |   |                 | 147       |   |                |   | 132 |   |   |   | 413 |   |   |   | 352 |   |
| Insurance commissions                                            |   |                 | 482       |   |                |   | 373 |   |   |   | 1,778 |   |   |   | 1,486 |   |
| Income from bank-owned life insurance                            |   |                 | 71        |   |                |   | 67 |   |   |   | 216 |   |   |   | 203 |   |
| Net gain on sales of available-for-sale securities               |   |                 | -         |   |                |   | - |   |   |   | 73 |   |   |   | 156 |   |
| Gain on sales of real estate owned                               |   |                 | -         |   |                |   | 3 |   |   |   | 9 |   |   |   | - |   |
| Other                                                            |   |                 | 6         |   |                |   | 7 |   |   |   | 17 |   |   |   | 19 |   |
| Total noninterest income                                         |   |                 | 706       |   |                |   | 582 |   |   |   | 2,506 |   |   |   | 2,216 |   |
|                                                             |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest expense:                                             |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Compensation and employee benefits                               |   |                 | 1,471     |   |                |   | 1,373 |   |   |   | 4,393 |   |   |   | 4,147 |   |
| Occupancy                                                        |   |                 | 359       |   |                |   | 328 |   |   |   | 1,057 |   |   |   | 987 |   |
| FDIC insurance premiums                                          |   |                 | 111       |   |                |   | 9 |   |   |   | 459 |   |   |   | 20 |   |
| Data processing                                                  |   |                 | 114       |   |                |   | 104 |   |   |   | 331 |   |   |   | 315 |   |
| Professional services                                            |   |                 | 177       |   |                |   | 145 |   |   |   | 489 |   |   |   | 414 |   |
| Other                                                            |   |                 | 425       |   |                |   | 421 |   |   |   | 1,137 |   |   |   | 1,087 |   |
| Total noninterest expense                                        |   |                 | 2,657     |   |                |   | 2,380 |   |   |   | 7,866 |   |   |   | 6,970 |   |
|                                                             |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Income before income tax expense and noncontrolling interest     |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| in net income of consolidated subsidiary                         |   |                 | 162       |   |                |   | 122 |   |   |   | 849 |   |   |   | 766 |   |
| Income tax expense                                               |   |                 | 57        |   |                |   | 51 |   |   |   | 320 |   |   |   | 306 |   |
| Net income before noncontrolling interest in net income          |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| of consolidated subsidiary                                       |   |                 | 105       |   |                |   | 71 |   |   |   | 529 |   |   |   | 460 |   |
| Noncontrolling interest in net income of consolidated subsidiary |   |                 | -         |   |                |   | 5 |   |   |   | 57 |   |   |   | 61 |   |
| Net income of FedFirst Financial Corporation                     |   | $                    | 105       |   |                | $      | 66 |   |   | $ | 472 |   |   | $ | 399 |   |
|                                                             |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Earnings per share:                                              |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Basic and diluted                                                |   | $                    | 0.02      |   |                | $      | 0.01 |   |   | $ | 0.08 |   |   | $ | 0.07 |   |
|                                                             |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Weighted-average shares outstanding:                             |   |                 |      |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Basic and diluted                                                |   |                 | 6,103,999 |   |                |   | 5,905,927 |   |   |   | 6,078,456 |   |   |   | 5,968,648 |   |

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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 (loss):                    |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |
| Net income                                      |   | -       |       |   | -          |     |   |   | 399           |   |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | 61     |   |   |   | 460 |   |   | $ | 460 |   |
| Unrealized loss on securities              |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| available-for-sale,                             |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| net of tax of $(1,506)                          |   | -       |       |   | -          |     |   |   | -             |   |   |     | (2,336 | )      |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | (2,336 | ) |   |   | (2,336 | ) |
| Reclassification adjustment                     |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| on sales of securities                          |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| available-for-sale,                             |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| net of tax $61                                  |   | -       |       |   | -          |     |   |   | -             |   |   |     | (95    | )      |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | (95 | ) |   |   | (95 | ) |
| Cumulative effect adjustment on                 |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| benefit plan reserve                            |   | -       |       |   | -          |     |   |   | (445          | )      |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | (445 | ) |   |   |   |   |
| Purchase of common stock to be                  |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| held in treasury (154,925 shares)               |   | -       |       |   | -          |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | (1,194        | )      |   |          | -      |   |   |   | (1,194 | ) |   |   |   |   |
| ESOP shares committed to be                     |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| released (12,961 shares)                        |   | -       |       |   | (33        | )        |   |   | -             |   |   |     | -      |   |     |   | 130    |           |   |   | -             |   |   |          | -      |   |   |   | 97 |   |   |   |   |   |
| Stock-based compensation expense                |   | -       |       |   | 267        |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | 267 |   |   |   |   |   |
| Stock awards granted                       |   |  - |       |   |  (149 | )   |   |   |  -       |   |   |     | -      |   |     |   | -      |           |   |   | 149           |   |   |          | -      |   |   |   | - |   |   |   |   |   |
| Distribution to noncontrolling shareholder |   | -       |       |   | -          |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | (52    | ) |   |   | (52 | ) |   |   |   |   |
| Total comprehensive loss                        |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   | (1,971 | ) |
| Less: Comprehensive income attributable         |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| to the noncontrolling interest                  |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| in subsidiary                                   |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   | 61 |   |
| Comprehensive loss attributable            |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| to FedFirst Financial Corporation               |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   | $ | (2,032 | ) |
|                                            |   |    |       |   |       |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| Balance at September 30, 2008              | $      | 67      |       | $      | 29,169     |     |   | $      | 18,474        |   |   | $        | (2,501 | )      |     | $      | (1,944 | )              |   | $      | (2,799        | )      |   | $             | 89     |   |   | $ | 40,555 |   |   |   |   |   |

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|                                                         |   |   |    |   |       |   |   |     |   |   | Accumulated   |   |   |     |   |   | Common   |   |   |           |   |   |          |   |   |          |   |
|--------------------------------------------------------------|--------|--------|---------|--------|------------|--------|--------|----------|--------|--------|---------------|--------|--------|----------|--------|--------|----------|--------|--------|----------------|--------|--------|---------------|--------|--------|---------------|--------|
|                                                         |   |   |    |   | Additional |   |   |     |   |   | Other         |   |   |     |   |   | Stock    |   |   | Noncontrolling |   |   | Total         |   |   |          |   |
|                                                         |   | Common |    |   | Paid-in-   |   |   | Retained |   |   | Comprehensive |   |   | Unearned |   |   | Held in  |   |   | Interest in    |   |   | Stockholders' |   |   | Comprehensive |   |
|                                                         |   | Stock  |    |   | Capital    |   |   | Earnings |   |   | Gain (Loss)   |   |   | ESOP     |   |   | Treasury |   |   | Subsidiary     |   |   | Equity        |   |   | Income (Loss) |   |
| 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 ASC                                |   |   |    |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |
| 320-10-35, net of tax of $584                                |   |   | -       |   |       |   | -      |     |   |   | 1,132         |   |   |     | (1,132 | )      |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | - |   |   |   |   |
| Comprehensive income (loss):                                 |   |   |    |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |
| Net income                                                   |   |   | -       |   |       |   | -      |     |   |   | 472           |   |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | 57     |   |   |   | 529 |   |   | $ | 529 |   |
| Unrealized gain on securities                                |   |   |    |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| available-for-sale,                                          |   |   |    |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| net of tax of $1,237                                         |   |   | -       |   |       |   | -      |     |   |   | -             |   |   |     | 1,919  |   |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | 1,919 |   |   |   | 1,919 |   |
| 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 (18,303 shares)                             |   |   | -       |   |       |   | -      |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | (77           | )      |   |          | -      |   |   |   | (77 | ) |   |   |   |   |
| ESOP shares committed to be                                  |   |   |    |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| released (12,961 shares)                                     |   |   | -       |   |       |   | (82    | )        |   |   | -             |   |   |     | -      |   |     |   | 130    |           |   |   | -             |   |   |          | -      |   |   |   | 48 |   |   |   |   |   |
| Stock-based compensation expense                             |   |   | -       |   |       |   | 221    |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | -      |   |   |   | 221 |   |   |   |   |   |
| Stock awards granted                                    |   |   |  - |   |       |   | (41    | )   |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | 41            |   |   |          | -      |   |   |   | - |   |   |   |   |   |
| Stock awards forfeited                                       |   |   | -       |   |       |   | 122    |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | (122          | )      |   |          | -      |   |   |   | - |   |   |   |   |   |
|    Distribution to noncontrolling shareholder |   |   | -       |   |       |   | -      |     |   |   | -             |   |   |     | -      |   |     |   | -      |           |   |   | -             |   |   |          | (75    | ) |   |   | (75 | ) |   |   |   |   |
| Total comprehensive income                                   |   |   |    |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   | 2,431 |   |
| Less: Comprehensive income attributable                      |   |   |    |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| to the noncontrolling interest                               |   |   |    |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| in subsidiary                                                |   |   |    |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   | 57 |   |
| Comprehensive income attributable                            |   |   |    |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| to FedFirst Financial Corporation                            |   |   |    |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   | $ | 2,374 |   |
|                                                         |   |   |    |   |       |   |   |     |   |   |          |   |   |     |   |   |     |   |   |           |   |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |
| Balance at September 30, 2009                           |   | $      | 67      |   |       | $      | 29,511 |     |   | $      | 17,534        |   |   | $        | (341   | )      |     | $      | (1,771 | )              |   | $      | (3,113        | )      |   | $             | 85     |   |   | $ | 41,972 |   |   |   |   |   |

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|                                                                              |   | For the Nine Months |    |
|-----------------------------------------------------------------------------------|--------|---------------------|---------|
|                                                                              |   | Ended September 30, |    |
| (Dollars in thousands)                                                            |   | 2009                |    |   | 2008 |   |
| Cash flows from operating activities:                                             |   |                |    |   |   |   |
| Net income of FedFirst Financial Corporation                                      |   | $                   | 472     |   |   | $ | 399 |   |
| Adjustments to reconcile net income to net cash provided by operating activities: |   |                |    |   |   |   |   |   |
| Noncontrolling interest in net income of consolidated subsidiary                  |   |                | 57      |   |   |   | 61 |   |
| Provision for loan losses                                                         |   |                | 690     |   |   |   | 539 |   |
| Depreciation                                                                      |   |                | 418     |   |   |   | 376 |   |
| Amortization of intangibles                                                       |   |                | 68      |   |   |   | - |   |
| Net gain on sales of securities                                                   |   |                | (73     | ) |   |   | (156 | ) |
| Net gain on sales of real estate owned                                            |   |                | (9      | ) |   |   | - |   |
| Net accretion (amortization) of security premiums and loan costs                  |   |                | 156     |   |   |   | (379 | ) |
| Noncash expense for ESOP                                                          |   |                | 48      |   |   |   | 97 |   |
| Noncash expense for stock-based compensation                                      |   |                | 221     |   |   |   | 267 |   |
| Noncash benefit plan reserve                                                      |   |                | -       |   |   |   | 445 |   |
| Increase in bank-owned life insurance                                             |   |                | (216    | ) |   |   | (203 | ) |
| Decrease in other assets                                                          |   |                | 1,231   |   |   |   | 36 |   |
| (Decrease) increase in other liabilities                                          |   |                | (411    | ) |   |   | 34 |   |
| Net cash provided by operating activities                                         |   |                | 2,652   |   |   |   | 1,516 |   |
|                                                                              |   |                |    |   |   |   |   |   |
| Cash flows from investing activities:                                             |   |                |    |   |   |   |   |   |
| Net loan originations                                                             |   |                | (11,619 | ) |   |   | (38,066 | ) |
| Proceeds from maturities of and principal repayments of                           |   |                |    |   |   |   |   |   |
| securities available-for-sale                                                     |   |                | 20,272  |   |   |   | 12,955 |   |
| Proceeds from sales of securities available-for-sale                              |   |                | 4,094   |   |   |   | 8,766 |   |
| Purchases of securities available-for-sale                                        |   |                | (17,973 | ) |   |   | (28,352 | ) |
| Purchases of premises and equipment                                               |   |                | (206    | ) |   |   | (220 | ) |
| Acquisition of Allsurance Insurance Agency                                        |   |                | (525    | ) |   |   | - |   |
| Increase in FHLB stock, at cost                                                   |   |                | -       |   |   |   | (1,552 | ) |
| Proceeds from sales of real estate owned                                          |   |                | 18      |   |   |   | 509 |   |
| Net cash used in investing activities                                             |   |                | (5,939  | ) |   |   | (45,960 | ) |
|                                                                              |   |                |    |   |   |   |   |   |
| Cash flows from financing activities:                                             |   |                |    |   |   |   |   |   |
| Net increase (decrease) in short-term borrowings                                  |   |                | 2,500   |   |   |   | (10,200 | ) |
| Proceeds from long-term borrowings                                                |   |                | 17,100  |   |   |   | 57,499 |   |
| Repayments of long-term borrowings                                                |   |                | (33,237 | ) |   |   | (16,865 | ) |
| Net increase in deposits                                                          |   |                | 15,650  |   |   |   | 17,527 |   |
| Decrease in advance payments by borrowers for taxes and insurance                 |   |                | (233    | ) |   |   | (226 | ) |
| Purchases of common stock held in treasury                                        |   |                | (77     | ) |   |   | (1,194 | ) |
| Net cash provided by financing activities                                         |   |                | 1,703   |   |   |   | 46,541 |   |
|                                                                              |   |                |    |   |   |   |   |   |
| Net (decrease) increase in cash and cash equivalents                              |   |                | (1,584  | ) |   |   | 2,097 |   |
| Cash and cash equivalents, beginning of period                                    |   |                | 7,847   |   |   |   | 5,552 |   |
|                                                                              |   |                |    |   |   |   |   |   |
| Cash and cash equivalents, end of period                                          |   | $                   | 6,263   |   |   | $ | 7,649 |   |
|                                                                              |   |                |    |   |   |   |   |   |
| Supplemental cash flow information:                                               |   |                |    |   |   |   |   |   |
| Cash paid for:                                                                    |   |                |    |   |   |   |   |   |
| Interest on deposits and borrowings                                               |   | $                   | 7,076   |   |   | $ | 7,291 |   |
| Income tax expense                                                                |   |                | 169     |   |   |   | 44 |   |
|                                                                              |   |                |    |   |   |   |   |   |
| Real estate acquired in settlement of loans                                       |   |                | 109     |   |   |   | 360 |   |

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| ·   | A valuation technique that uses the quoted price of the identical liability when traded as an asset |
|--------------------|-----------------------------------------------------------------------------------------------------|

| ·   | A valuation technique that uses the quoted price for similar liabilities when traded as assets |
|--------------------|------------------------------------------------------------------------------------------------|

| ·   | Another valuation technique that is consistent with the principles of Topic 820, such as an income approach or a market approach. |
|--------------------|-----------------------------------------------------------------------------------------------------------------------------------|

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| September 30, 2009                  |   | AmortizedCost |   |   | GrossUnrealizedGains |   |   | GrossUnrealizedLosses |   |   | FairValue |   |
|-------------------------------------|--------|---------------|--------|--------|----------------------|--------|--------|-----------------------|--------|--------|-----------|--------|
| Government-Sponsored Enterprises    |   | $             | 5,953  |   |                 | $      | 9      |                  |   | $      | 146       |   |   | $ | 5,816 |   |
| Municipal bonds                     |   |          | 4,015  |   |                 |   | 288    |                  |   |   | -         |   |   |   | 4,303 |   |
| Mortgage-backed                     |   |          | 37,209 |   |                 |   | 1,399  |                  |   |   | 6         |   |   |   | 38,602 |   |
| REMICs                              |   |          | 31,283 |   |                 |   | 1,280  |                  |   |   | 1,049     |   |   |   | 31,514 |   |
| Corporate debt                      |   |          | 3,995  |   |                 |   | -      |                  |   |   | 2,336     |   |   |   | 1,659 |   |
| Equities                            |   |          | 49     |   |                 |   | -      |                  |   |   | -         |   |   |   | 49 |   |
| Total securities available-for-sale |   | $             | 82,504 |   |                 | $      | 2,976  |                  |   | $      | 3,537     |   |   | $ | 81,943 |   |
|                                |   |          |   |   |                 |   |   |                  |   |   |      |   |   |   |   |   |
| 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 |   |      | 2,094  |   |   |   | 2,167 |   |
| Due from five to ten years |   |      | 10,604 |   |   |   | 10,886 |   |
| Due after ten years        |   |      | 69,757 |   |   |   | 68,841 |   |
| No scheduled maturity      |   |      | 49     |   |   |   | 49 |   |
| Total                      |   | $         | 82,504 |   |   | $      | 81,943 |   |

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|                                  |   |  Less than 12 months |   |   |  12 months or more |   |   |  Total           |   |
|---------------------------------------|--------|---------------------------|--------|--------|-------------------------|--------|--------|-----------------------|--------|
| September 30, 2009                    |   | Number ofSecurities       |   |   | FairValue               |   |   | GrossUnrealizedLosses |   |   | Number ofSecurities |   |   | FairValue |   |   | GrossUnrealizedLosses |   |   | Number ofSecurities |   |   | FairValue |   |   | GrossUnrealizedLosses |   |
| Government-sponsored enterprises      |   |                      | 1      |   |                    | $      | 2,854  |                  |   | $ | 146 |   |   |   | - |   |   | $ | - |   |   | $ | - |   |   |   | 1 |   |   | $ | 2,854 |   |   | $ | 146 |   |
| Mortgage-backed                       |   |                      | 16     |   |                    |   | 2,309  |                  |   |   | 5 |   |   |   | 4 |   |   |   | 54 |   |   |   | 1 |   |   |   | 20 |   |   |   | 2,363 |   |   |   | 6 |   |
|                                  |   |                      |   |   |                    |   |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| REMICs:                               |   |                      |   |   |                    |   |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Private label issuer:                 |   |                      |   |   |                    |   |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Prime fixed and adjustable rate       |   |                      | -      |   |                    |   | -      |                  |   |   | - |   |   |   | 3 |   |   |   | 1,027 |   |   |   | 36 |   |   |   | 3 |   |   |   | 1,027 |   |   |   | 36 |   |
| Alt-A fixed rate                      |   |                      | 7      |   |                    |   | 4,555  |                  |   |   | 984 |   |   |   | 1 |   |   |   | 814 |   |   |   | 12 |   |   |   | 8 |   |   |   | 5,369 |   |   |   | 996 |   |
| Government-sponsored enterprises      |   |                      | 3      |   |                    |   | 1,216  |                  |   |   | 12 |   |   |   | 1 |   |   |   | 264 |   |   |   | 5 |   |   |   | 4 |   |   |   | 1,480 |   |   |   | 17 |   |
| Total REMICs                          |   |                      | 10     |   |                    |   | 5,771  |                  |   |   | 996 |   |   |   | 5 |   |   |   | 2,105 |   |   |   | 53 |   |   |   | 15 |   |   |   | 7,876 |   |   |   | 1,049 |   |
|                                  |   |                      |   |   |                    |   |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Corporate debt                        |   |                      | -      |   |                    |   | -      |                  |   |   | - |   |   |   | 3 |   |   |   | 1,659 |   |   |   | 2,336 |   |   |   | 3 |   |   |   | 1,659 |   |   |   | 2,336 |   |
| Total securities temporarily impaired |   |                      | 27     |   |                    | $      | 10,934 |                  |   | $ | 1,147 |   |   |   | 12 |   |   | $ | 3,818 |   |   | $ | 2,390 |   |   |   | 39 |   |   | $ | 14,752 |   |   | $ | 3,537 |   |

|                                  |   |  Less than 12 months |   |   |  12 months or more |   |   |  Total           |   |
|---------------------------------------|--------|---------------------------|--------|--------|-------------------------|--------|--------|-----------------------|--------|
| December 31, 2008                     |   | Number ofSecurities       |   |   | FairValue               |   |   | GrossUnrealizedLosses |   |   | Number ofSecurities |   |   | FairValue |   |   | GrossUnrealizedLosses |   |   | Number ofSecurities |   |   | FairValue |   |   | GrossUnrealizedLosses |   |
| 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 |   |

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| 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  |       |   | $      | 634             |   |   | $                      | (866   | )                                  |   | B+/BB  |                                                         |   | 17     |                                                               |   |   | 8.40% |   |   |   | 6.20% |   |
| I-PreTSL 2       |   | Mezzanine |   |    | B-3    |   |           |   | 2,495  |       |   |   | 1,025           |   |   |                   | (1,470 | )                                  |   | B+/BB  |                                                         |   | 29     |                                                               |   |   | - |   |   |   | 13.67% |   |
|             |   |      |   |    |   |   |           | $      | 3,995  |       |   | $      | 1,659           |   |   | $                      | (2,336 | )                                  |   |   |                                                         |   |   |                                                               |   |   |   |   |   |   |   |   |

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|               |   | Less than 12 months |   |   | 12 months or more |   |   | Total                 |   |
|--------------------|--------|---------------------|--------|--------|-------------------|--------|--------|-----------------------|--------|
| September 30, 2009 |   | Number ofSecurities |   |   | FairValue         |   |   | GrossUnrealizedLosses |   |   | Number ofSecurities |   |   | FairValue |   |   | GrossUnrealizedLosses |   |   | Number ofSecurities |   |   | FairValue |   |   | GrossUnrealizedLosses |   |
| Vintage            |   |                |   |   |              |   |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   2003        |   |                | -      |   |              | $      | -      |                  |   | $ | - |   |   |   | 3 |   |   | $ | 1,447 |   |   | $ | 18 |   |   |   | 3 |   |   | $ | 1,447 |   |   | $ | 18 |   |
|   2004        |   |                | -      |   |              |   | -      |                  |   |   | - |   |   |   | 1 |   |   |   | 394 |   |   |   | 30 |   |   |   | 1 |   |   |   | 394 |   |   |   | 30 |   |
|   2005        |   |                | 1      |   |              |   | 331    |                  |   |   | 98 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1 |   |   |   | 331 |   |   |   | 98 |   |
|   2006        |   |                | 4      |   |              |   | 3,299  |                  |   |   | 650 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 4 |   |   |   | 3,299 |   |   |   | 650 |   |
|   2007        |   |                | 2      |   |              |   | 925    |                  |   |   | 236 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 2 |   |   |   | 925 |   |   |   | 236 |   |
| Total              |   |                | 7      |   |              | $      | 4,555  |                  |   | $ | 984 |   |   |   | 4 |   |   | $ | 1,841 |   |   | $ | 48 |   |   |   | 11 |   |   | $ | 6,396 |   |   | $ | 1,032 |   |

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

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|                            |   | September 30, 2009 |    |   | December 31, 2008 |   |
|---------------------------------|--------|--------------------|---------|--------|-------------------|--------|
| (Dollars in thousands)          |   | Amount             |    |   | Percent           |   |   | Amount |   |   | Percent |   |
| Real estate-mortgage:           |   |               |    |   |              |   |   |   |   |   |   |   |
| One-to-four family residential  |   | $                  | 159,271 |   |              |   | 64.7 | % |   | $ | 155,871 |   |   |   | 65.7 | % |
| Multi-family                    |   |               | 10,903  |   |              |   | 4.4 |   |   |   | 10,946 |   |   |   | 4.6 |   |
| Commercial                      |   |               | 32,190  |   |              |   | 13.1 |   |   |   | 24,301 |   |   |   | 10.3 |   |
| Total real estate-mortgage      |   |               | 202,364 |   |              |   | 82.2 |   |   |   | 191,118 |   |   |   | 80.6 |   |
|                            |   |               |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Real estate-construction:       |   |               |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Residential                     |   |               | 3,582   |   |              |   | 1.5 |   |   |   | 9,833 |   |   |   | 4.2 |   |
| Commercial                      |   |               | 2,926   |   |              |   | 1.2 |   |   |   | 3,443 |   |   |   | 1.5 |   |
| Total real estate-construction  |   |               | 6,508   |   |              |   | 2.7 |   |   |   | 13,276 |   |   |   | 5.7 |   |
|                            |   |               |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Consumer:                       |   |               |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Home equity                     |   |               | 25,487  |   |              |   | 10.4 |   |   |   | 22,344 |   |   |   | 9.4 |   |
| Loans on savings accounts       |   |               | 999     |   |              |   | 0.4 |   |   |   | 886 |   |   |   | 0.4 |   |
| Home improvement                |   |               | 193     |   |              |   | 0.1 |   |   |   | 233 |   |   |   | 0.1 |   |
| Other                           |   |               | 1,135   |   |              |   | 0.5 |   |   |   | 588 |   |   |   | 0.2 |   |
| Total consumer                  |   |               | 27,814  |   |              |   | 11.4 |   |   |   | 24,051 |   |   |   | 10.1 |   |
|                            |   |               |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Commercial business             |   |               | 9,159   |   |              |   | 3.7 |   |   |   | 8,474 |   |   |   | 3.6 |   |
| Total loans                     |   | $                  | 245,845 |   |              |   | 100.0 | % |   | $ | 236,919 |   |   |   | 100.0 | % |
|                            |   |               |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Net premiums on loans purchased |   |               | 124     |   |              |   |   |   |   |   | 120 |   |   |   |   |   |
| Net deferred loan costs         |   |               | 843     |   |              |   |   |   |   |   | 850 |   |   |   |   |   |
| Loans in process                |   |               | (3,470  | )      |              |   |   |   |   |   | (5,899 | ) |   |   |   |   |
| Allowance for loan losses       |   |               | (2,341  | )      |              |   |   |   |   |   | (1,806 | ) |   |   |   |   |
| Loans, net                      |   | $                  | 241,001 |   |              |   |   |   |   | $ | 230,184 |   |   |   |   |   |

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|                                       |   | September 30, |   |    | December 31, |   |
|--------------------------------------------|--------|--------------------|--------|---------|--------------|--------|
| (Dollars in thousands)                     |   | 2009               |   |    | 2008         |   |
| Nonaccrual loans:                          |   |               |   |    |         |   |
| Real estate - mortgage                     |   | $                  | 1,416  |    |         | $      | 632 |   |
| Consumer                                   |   |               | 103    |    |         |   | 4 |   |
| Total                                      |   |               | 1,519  |    |         |   | 636 |   |
|                                       |   |               |   |    |         |   |   |   |
| Accruing loans past due 90 days or more    |   |               | -      |    |         |   | - |   |
| Total of nonaccrual and 90 days or more    |   |               |   |    |         |   |   |   |
| past due loans (nonperforming loans)       |   |               | 1,519  |    |         |   | 636 |   |
| Real estate owned                          |   |               | 386    |    |         |   | 295 |   |
| Total nonperforming assets                 |   | $                  | 1,905  |    |         | $      | 931 |   |
|                                       |   |               |   |    |         |   |   |   |
| Troubled debt restructurings               |   |               | -      |    |         |   | - |   |
| Troubled debt restructurings and total     |   |               |   |    |         |   |   |   |
| nonperforming assets                       |   | $                  | 1,905  |    |         | $      | 931 |   |
|                                       |   |               |   |    |         |   |   |   |
| Total nonperforming loans to total loans   |   |               | 0.62   | %  |         |   | 0.27 | % |
| Total nonperforming assets to total assets |   |               | 0.54   |    |         |   | 0.27 |   |

|                             |   | Three Months Ended |   |   | Nine Months Ended |   |   | Year Ended   |   |
|----------------------------------|--------|--------------------|--------|--------|------------------------|--------|--------|--------------|--------|
|                             |   | September 30, |   |   | September 30,     |   |   | December 31, |   |
| (Dollars in thousands)           |   | 2009               |   |   | 2008                   |   |   | 2009         |   |   | 2008 |   |   | 2008 |   |
| Allowance at beginning of period |   | $                  | 2,147  |   |                   | $      | 1,516  |         |   | $ | 1,806 |   |   | $ | 1,457 |   |   | $ | 1,457 |   |
| Provision for loan losses        |   |               | 300    |   |                   |   | 260    |         |   |   | 690 |   |   |   | 539 |   |   |   | 878 |   |
| Charge-offs                      |   |               | (107   | )      |                   |   | (130   | )            |   |   | (157 | ) |   |   | (350 | ) |   |   | (529 | ) |
| Recoveries                       |   |               | 1      |   |                   |   | -      |         |   |   | 2 |   |   |   | - |   |   |   | - |   |
| Net charge-offs                  |   |               | (106   | )      |                   |   | (130   | )            |   |   | (155 | ) |   |   | (350 | ) |   |   | (529 | ) |
| Allowance at end of period       |   | $                  | 2,341  |   |                   | $      | 1,646  |         |   | $ | 2,341 |   |   | $ | 1,646 |   |   | $ | 1,806 |   |

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| ·   | Loans purchased in the secondary market.  Prior to September 2005, pools of multi-family and one-to-four family residential mortgage loans located in areas outside of our primary geographic lending area in southwestern Pennsylvania were acquired in the secondary market. Althoughthese loans were underwritten to our lending standards, they are considered higher risk given our unfamiliarity with the geographic areas where the properties are located. |
|--------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | Home equity loans with a loan-to-value ratio greater than 80%. These loans are considered higher risk given the pressure on property values and reduced credit alternatives available to leveraged borrowers. |
|--------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|                                |   | September 30, 2009 |    |   | December 31, 2008 |   |
|-------------------------------------|--------|--------------------|---------|--------|-------------------|--------|
| (Dollars in thousands)              |   | Amount             |    |   | Percent           |   |   | Amount |   |   | Percent |   |
| Noninterest-bearing demand deposits |   | $                  | 14,583  |   |              |   | 7.7 | % |   | $ | 12,005 |   |   |   | 6.9 | % |
| Interest-bearing demand deposits    |   |               | 13,900  |   |              |   | 7.4 |   |   |   | 11,336 |   |   |   | 6.6 |   |
| Savings accounts                    |   |               | 22,555  |   |              |   | 12.0 |   |   |   | 22,477 |   |   |   | 13.0 |   |
| Money market accounts               |   |               | 51,000  |   |              |   | 27.1 |   |   |   | 43,873 |   |   |   | 25.4 |   |
| Certificates of deposit             |   |               | 86,416  |   |              |   | 45.8 |   |   |   | 83,113 |   |   |   | 48.1 |   |
| Total deposits                      |   | $                  | 188,454 |   |              |   | 100.0 | % |   | $ | 172,804 |   |   |   | 100.0 | % |

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|                       |   | September 30, 2009 |    | December 31, 2008 |
|----------------------------|--------|--------------------|---------|-------------------|
|                       |   |               |    |              |   |   |   |   |   |   |   |   |
|                       |   |               |    | Weighted          |   |   |   | Weighted |
|                       |   |               |    | Average           |   |   |   | Average |
| (Dollars in thousands)     |   | Balance            |    | Rate              |   | Balance |   | Rate |
| Due in one year or less    |   | $                  | 39,416  |              |   |   | 2.71 | % |   | $ | 33,739 |   |   |   | 3.39 | % |
| Due in one to two years    |   |               | 22,053  |              |   |   | 3.52 |   |   |   | 25,950 |   |   |   | 4.20 |   |
| Due in two to three years  |   |               | 23,527  |              |   |   | 4.54 |   |   |   | 23,215 |   |   |   | 3.57 |   |
| Due in three to four years |   |               | 15,777  |              |   |   | 3.70 |   |   |   | 22,803 |   |   |   | 4.53 |   |
| Due in four to five years  |   |               | 18,000  |              |   |   | 3.60 |   |   |   | 23,703 |   |   |   | 3.68 |   |
| Due after five years       |   |               | -       |              |   |   | - |   |   |   | 3,000 |   |   |   | 5.13 |   |
| Total                      |   | $                  | 118,773 |              |   |   | 3.49 | % |   | $ | 132,410 |   |   |   | 3.87 | % |

|                                                        | Nine Months   |   |    | Year         |
|-------------------------------------------------------------|--------------------|--------|---------|--------------|
|                                                        | Ended              |   |    | Ended        |
|                                                        | September 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               |               |   | 120,223 |         |   |   |   | 120,704 |   |
| Weighted average rate during the period                     |               |   | 3.91    | %       |   |   |   | 3.99 | % |

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|                                             |   | Three Months Ended |      |   | Nine Months Ended |   |
|--------------------------------------------------|--------|--------------------|-----------|--------|-------------------|--------|
|                                             |   | September 30,      |      |   | September 30,     |   |
| (Dollars in thousands, except per share amounts) |   | 2009               |      |   | 2008              |   |   | 2009 |   |   | 2008 |   |
|                                             |   |               |      |   |              |   |   |   |   |   |   |   |
| Net income of FedFirst Financial Corporation     |   | $                  | 105       |   |              | $      | 66 |   |   | $ | 472 |   |   | $ | 399 |   |
| Weighted-average shares outstanding:             |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Basic                                            |   |               | 6,103,999 |   |              |   | 5,905,927 |   |   |   | 6,078,456 |   |   |   | 5,968,648 |   |
| Effect of dilutive stock options and             |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| restrictive stock awards                         |   |               | -         |   |              |   | - |   |   |   | - |   |   |   | - |   |
| Diluted                                          |   |               | 6,103,999 |   |              |   | 5,905,927 |   |   |   | 6,078,456 |   |   |   | 5,968,648 |   |
|                                             |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Earnings per share:                              |   |               |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Basic and diluted                                |   | $                  | 0.02      |   |              | $      | 0.01 |   |   | $ | 0.08 |   |   | $ | 0.07 |   |

|   | 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. |
|--------|-----------------|-------------------------------------------------------------------------------------------------------------------------------|

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| (Dollars in thousands)                                                                                                                                                                                                 |   | September 30, 2009  |   |   | December 31, 2008 |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|---------------------|--------|--------|-------------------|--------|
| Significant other observable inputs (Level 2)                                                                                                                                                                          |   | $                   | 78,702 |   |              | $      | 80,062 |   |
| Significant unobservable inputs (Level 3)                                                                                                                                                                              |   |                | 3,241  |   |              |   | 5,371 |   |
| Total securities                                                                                                                                                                                                       |   | $                   | 81,943 |   |              | $      | 85,433 |   |
|                                                                                                                                                                                                                   |   |                |   |   |              |   |   |   |
|                                                                                                                                                                                                                   |   | Significant         |   |   |              |   |   |
|                                                                                                                                                                                                                   |   | Unobservable Inputs |   |   |              |   |   |
| (Dollars in thousands)                                                                                                                                                                                                 |   | (Level 3)           |   |   |              |   |   |
| December 31, 2008                                                                                                                                                                                                      |   | $                   | 5,371  |   |              |   |   |   |
| Total unrealized gains                                                                                                                                                                                                 |   |                | 140    |   |              |   |   |   |
| Paydowns and maturities                                                                                                                                                                                                |   |                | (513   | )      |              |   |   |   |
| Net transfers out of level 3                                                                                                                                                                                           |   |                | (1,757 | )      |              |   |   |   |
| September 30, 2009                                                                                                                                                                                                     |   | $                   | 3,241  |   |              |   |   |   |
|                                                                                                                                                                                                                   |   |                |   |   |              |   |   |   |
|                                                                                                                                                                                                                   |   |                |   |   |              |   |   |   |
| (Dollars in thousands)                                                                                                                                                                                                 |   | September 30, 2009  |   |   | December 31, 2008 |   |
| The amount of total unrealized gains (losses) for the period included in earnings (or changes in net assets) attributable to the change in unrealized gains (losses) relating to assets still held at period indicated |   | $                   | 140    |   |              | $      | (2,199 | ) |

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| (Dollars in thousands) |                        | September 30, 2009 |     |    | December 31, 2008 |       |
|------------------------|-----------------------------|-------------------------|----------|---------|-------------------|------------|
|                   |                        |                    | Carrying |    |              | Estimated  |   |   | Carrying |   |   | Estimated |   |
|                   |                        |                    | Amount   |    |              | Fair Value |   |   | Amount |   |   | Fair Value |   |
| Financial assets:      |                        |                    |     |    |              |       |   |   |   |   |   |   |
|                   | Cash and cash equivalents   |                    | $        | 6,263   |              |       | $ | 6,263 |   |   | $ | 7,847 |   |   | $ | 7,847 |   |
|                   | Securities                  |                    |     | 81,943  |              |       |   | 81,943 |   |   |   | 85,433 |   |   |   | 85,433 |   |
|                   | Loans, net                  |                    |     | 241,001 |              |       |   | 246,923 |   |   |   | 230,184 |   |   |   | 235,331 |   |
|                   | FHLB stock                  |                    |     | 6,901   |              |       |   | 6,901 |   |   |   | 6,901 |   |   |   | 6,901 |   |
|                   | Accrued interest receivable |                    |     | 1,596   |              |       |   | 1,596 |   |   |   | 1,652 |   |   |   | 1,652 |   |
|                   |                        |                    |     |    |              |       |   |   |   |   |   |   |   |   |   |   |   |
| Financial liabilities: |                        |                    |     |    |              |       |   |   |   |   |   |   |   |   |   |   |
|                   | Deposits                    |                    |     | 188,454 |              |       |   | 190,454 |   |   |   | 172,804 |   |   |   | 174,565 |   |
|                   | Borrowings                  |                    |     | 118,773 |              |       |   | 122,423 |   |   |   | 132,410 |   |   |   | 135,740 |   |
|                   | Accrued interest payable    |                    |     | 877     |              |       |   | 877 |   |   |   | 1,289 |   |   |   | 1,289 |   |

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| (Dollars in thousands)                                                                         |   | First FederalSavings Bank |    |   | ExchangeUnderwriters,Inc. |   |   | Other  |   |   | NetEliminations |   |   | Consolidated |    |
|------------------------------------------------------------------------------------------------|--------|---------------------------|---------|--------|---------------------------|--------|--------|--------|--------|--------|-----------------|--------|--------|--------------|---------|
|                                                                                           |   |                      |    |   |                      |   |   |   |   |   |            |   |   |         |    |
| September 30, 2009                                                                             |   |                      |    |   |                      |   |   |   |   |   |            |   |   |         |    |
|  Assets                                                                                   |   | $                         | 353,839 |   |                      | $      | 1,419  |   |   | $      | 39,424          |   |   | $            | (41,059 | ) |   | $ | 353,623 |   |
|  Liabilities                                                                              |   |                      | 317,109 |   |                      |   | 661    |   |   |   | 50              |   |   |         | (6,169  | ) |   |   | 311,651 |   |
|  Stockholders' equity                                                                     |   |                      | 36,730  |   |                      |   | 758    |   |   |   | 39,374          |   |   |         | (34,890 | ) |   |   | 41,972 |   |
|                                                                                           |   |                      |    |   |                      |   |   |   |   |   |            |   |   |         |    |   |   |   |   |   |
| 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 September 30, 2009                                                          |   |                      |    |   |                      |   |   |   |   |   |            |   |   |         |    |   |   |   |   |   |
|  Total interest income                                                                    |   | $                         | 4,506   |   |                      | $      | 3      |   |   | $      | 30              |   |   | $            | (30     | ) |   | $ | 4,509 |   |
|  Total interest expense                                                                   |   |                      | 2,126   |   |                      |   | -      |   |   |   | -               |   |   |         | (30     | ) |   |   | 2,096 |   |
|  Net interest income                                                                      |   |                      | 2,380   |   |                      |   | 3      |   |   |   | 30              |   |   |         | -       |   |   |   | 2,413 |   |
|  Provision for loan losses                                                                |   |                      | 300     |   |                      |   | -      |   |   |   | -               |   |   |         | -       |   |   |   | 300 |   |
|  Net interest income after provision for loan losses                                      |   |                      | 2,080   |   |                      |   | 3      |   |   |   | 30              |   |   |         | -       |   |   |   | 2,113 |   |
|  Noninterest income                                                                       |   |                      | 225     |   |                      |   | 482    |   |   |   | -               |   |   |         | (1      | ) |   |   | 706 |   |
|  Noninterest expense                                                                      |   |                      | 2,119   |   |                      |   | 475    |   |   |   | 63              |   |   |         | -       |   |   |   | 2,657 |   |
|  Undistributed net gain of subsidiary                                                     |   |                      | 1       |   |                      |   | -      |   |   |   | -               |   |   |         | (1      | ) |   |   | - |   |
|  Income (loss) before income tax expense (benefit) and                                    |   |                      |    |   |                      |   |   |   |   |   |            |   |   |         |    |   |   |   |   |   |
|      noncontrolling interest in net income of consolidated subsidiary |   |                      | 187     |   |                      |   | 10     |   |   |   | (33             | )      |   |         | (2      | ) |   |   | 162 |   |
|  Income tax expense (benefit)                                                             |   |                      | 59      |   |                      |   | 9      |   |   |   | (11             | )      |   |         | -       |   |   |   | 57 |   |
|  Net income (loss) before noncontrolling interest in net                                  |   |                      |    |   |                      |   |   |   |   |   |            |   |   |         |    |   |   |   |   |   |
|      income of consolidated subsidiary                                |   |                      | 128     |   |                      |   | 1      |   |   |   | (22             | )      |   |         | (2      | ) |   |   | 105 |   |
|  Less: Noncontrolling interest in net income of                                           |   |                      |    |   |                      |   |   |   |   |   |            |   |   |         |    |   |   |   |   |   |
|       consolidated subsidiary                                    |   |                      | -       |   |                      |   | -      |   |   |   | -               |   |   |         | -       |   |   |   | - |   |
|  Net income (loss)                                                                        |   | $                         | 128     |   |                      | $      | 1      |   |   | $      | (22             | )      |   | $            | (2      | ) |   | $ | 105 |   |
|                                                                                           |   |                      |    |   |                      |   |   |   |   |   |            |   |   |         |    |   |   |   |   |   |
| Nine Months Ended September 30, 2009                                                           |   |                      |    |   |                      |   |   |   |   |   |            |   |   |         |    |   |   |   |   |   |
|  Total interest income                                                                    |   | $                         | 13,551  |   |                      | $      | 12     |   |   | $      | 89              |   |   | $            | (89     | ) |   | $ | 13,563 |   |
|  Total interest expense                                                                   |   |                      | 6,753   |   |                      |   | -      |   |   |   | -               |   |   |         | (89     | ) |   |   | 6,664 |   |
|  Net interest income                                                                      |   |                      | 6,798   |   |                      |   | 12     |   |   |   | 89              |   |   |         | -       |   |   |   | 6,899 |   |
|  Provision for loan losses                                                                |   |                      | 690     |   |                      |   | -      |   |   |   | -               |   |   |         | -       |   |   |   | 690 |   |
|  Net interest income after provision for loan losses                                      |   |                      | 6,108   |   |                      |   | 12     |   |   |   | 89              |   |   |         | -       |   |   |   | 6,209 |   |
|  Noninterest income                                                                       |   |                      | 1,011   |   |                      |   | 1,778  |   |   |   | -               |   |   |         | (283    | ) |   |   | 2,506 |   |
|  Noninterest expense                                                                      |   |                      | 6,390   |   |                      |   | 1,288  |   |   |   | 188             |   |   |         | -       |   |   |   | 7,866 |   |
|  Undistributed net gain of subsidiary                                                     |   |                      | 285     |   |                      |   | -      |   |   |   | -               |   |   |         | (285    | ) |   |   | - |   |
|  Income (loss) before income tax expense (benefit) and                                    |   |                      |    |   |                      |   |   |   |   |   |            |   |   |         |    |   |   |   |   |   |
|      noncontrolling interest in net income of consolidated subsidiary |   |                      | 1,014   |   |                      |   | 502    |   |   |   | (99             | )      |   |         | (568    | ) |   |   | 849 |   |
|  Income tax expense (benefit)                                                             |   |                      | 130     |   |                      |   | 217    |   |   |   | (27             | )      |   |         | -       |   |   |   | 320 |   |
|  Net income (loss) before noncontrolling interest in net                                  |   |                      |    |   |                      |   |   |   |   |   |            |   |   |         |    |   |   |   |   |   |
|      income of consolidated subsidiary                                |   |                      | 884     |   |                      |   | 285    |   |   |   | (72             | )      |   |         | (568    | ) |   |   | 529 |   |
|  Less: Noncontrolling interest in net income of                                           |   |                      |    |   |                      |   |   |   |   |   |            |   |   |         |    |   |   |   |   |   |
|       consolidated subsidiary                                    |   |                      | 57      |   |                      |   | -      |   |   |   | -               |   |   |         | -       |   |   |   | 57 |   |
|  Net income (loss)                                                                        |   | $                         | 827     |   |                      | $      | 285    |   |   | $      | (72             | )      |   | $            | (568    | ) |   | $ | 472 |   |

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| (Dollars in thousands)Three Months Ended September 30, 2008                               |   | First FederalSavings Bank |   |   | ExchangeUnderwriters,Inc. |   |   | Other  |   |   | NetEliminations |   |   | Consolidated |   |
|------------------------------------------------------------------------------------------------|--------|---------------------------|--------|--------|---------------------------|--------|--------|--------|--------|--------|-----------------|--------|--------|--------------|--------|
|  Total interest income                                                                    |   | $                         | 4,595  |   |                      | $      | 7      |   |   | $      | 32              |   |   | $            | (32    | ) |   | $ | 4,602 |   |
|  Total interest expense                                                                   |   |                      | 2,454  |   |                      |   | -      |   |   |   | -               |   |   |         | (32    | ) |   |   | 2,422 |   |
|  Net interest income                                                                      |   |                      | 2,141  |   |                      |   | 7      |   |   |   | 32              |   |   |         | -      |   |   |   | 2,180 |   |
|  Provision for loan losses                                                                |   |                      | 260    |   |                      |   | -      |   |   |   | -               |   |   |         | -      |   |   |   | 260 |   |
|  Net interest income after provision for loan losses                                      |   |                      | 1,881  |   |                      |   | 7      |   |   |   | 32              |   |   |         | -      |   |   |   | 1,920 |   |
|  Noninterest income                                                                       |   |                      | 235    |   |                      |   | 372    |   |   |   | -               |   |   |         | (25    | ) |   |   | 582 |   |
|  Noninterest expense                                                                      |   |                      | 1,986  |   |                      |   | 330    |   |   |   | 64              |   |   |         | -      |   |   |   | 2,380 |   |
|  Undistributed net gain of subsidiary                                                     |   |                      | 24     |   |                      |   | -      |   |   |   | -               |   |   |         | (24    | ) |   |   | - |   |
|  Income (loss) before income tax expense (benefit) and                                    |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
|      noncontrolling interest in net income of consolidated subsidiary |   |                      | 154    |   |                      |   | 49     |   |   |   | (32             | )      |   |         | (49    | ) |   |   | 122 |   |
|  Income tax expense (benefit)                                                             |   |                      | 35     |   |                      |   | 25     |   |   |   | (10             | )      |   |         | -      |   |   |   | 50 |   |
|  Net income (loss) before noncontrolling interest in net                                  |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
|      income of consolidated subsidiary                                |   |                      | 119    |   |                      |   | 24     |   |   |   | (22             | )      |   |         | (49    | ) |   |   | 72 |   |
|  Less: Noncontrolling interest in net income of                                           |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
|       consolidated subsidiary                                    |   |                      | 6      |   |                      |   | -      |   |   |   | -               |   |   |         | -      |   |   |   | 6 |   |
|  Net income (loss)                                                                        |   | $                         | 113    |   |                      | $      | 24     |   |   | $      | (22             | )      |   | $            | (49    | ) |   | $ | 66 |   |
|                                                                                           |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
| Nine Months Ended September 30, 2008                                                           |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
|  Total interest income                                                                    |   | $                         | 13,239 |   |                      | $      | 24     |   |   | $      | 304             |   |   | $            | (304   | ) |   | $ | 13,263 |   |
|  Total interest expense                                                                   |   |                      | 7,299  |   |                      |   | -      |   |   |   | -               |   |   |         | (95    | ) |   |   | 7,204 |   |
|  Net interest income                                                                      |   |                      | 5,940  |   |                      |   | 24     |   |   |   | 304             |   |   |         | (209   | ) |   |   | 6,059 |   |
|  Provision for loan losses                                                                |   |                      | 539    |   |                      |   | -      |   |   |   | -               |   |   |         | -      |   |   |   | 539 |   |
|  Net interest income after provision for loan losses                                      |   |                      | 5,401  |   |                      |   | 24     |   |   |   | 304             |   |   |         | (209   | ) |   |   | 5,520 |   |
|  Noninterest income                                                                       |   |                      | 1,033  |   |                      |   | 1,486  |   |   |   | -               |   |   |         | (303   | ) |   |   | 2,216 |   |
|  Noninterest expense                                                                      |   |                      | 5,813  |   |                      |   | 979    |   |   |   | 178             |   |   |         | -      |   |   |   | 6,970 |   |
|  Undistributed net gain of subsidiary                                                     |   |                      | 303    |   |                      |   | -      |   |   |   | -               |   |   |         | (303   | ) |   |   | - |   |
|  Income (loss) before income tax expense (benefit) and                                    |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
|      noncontrolling interest in net income of consolidated subsidiary |   |                      | 924    |   |                      |   | 531    |   |   |   | 126             |   |   |         | (815   | ) |   |   | 766 |   |
|  Income tax expense (benefit)                                                             |   |                      | 102    |   |                      |   | 228    |   |   |   | (24             | )      |   |         | -      |   |   |   | 306 |   |
|  Net income (loss) before noncontrolling interest in net                                  |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
|      income of consolidated subsidiary                                |   |                      | 822    |   |                      |   | 303    |   |   |   | 150             |   |   |         | (815   | ) |   |   | 460 |   |
|  Less: Noncontrolling interest in net income of                                           |   |                      |   |   |                      |   |   |   |   |   |            |   |   |         |   |   |   |   |   |   |
|       consolidated subsidiary                                    |   |                      | 61     |   |                      |   | -      |   |   |   | -               |   |   |         | -      |   |   |   | 61 |   |
|  Net income (loss)                                                                        |   | $                         | 761    |   |                      | $      | 303    |   |   | $      | 150             |   |   | $            | (815   | ) |   | $ | 399 |   |

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|                              |   | Stock Options  |
|-----------------------------------|--------|----------------|
| Stock-Based Compensation          |   | NumberofShares |   |   | WeightedAverageExercisePrice |   |   | WeightedAverageRemainingTerm |
| Outstanding at January 1, 2009    |   |           | 274,500 |   |   | $ | 9.62 |   |   |   | 7.80 |
| Granted                           |   |           | 15,000 |   |   |   | 3.10 |   |   |   |   |
| Exercised or converted            |   |           | - |   |   |   | - |   |   |   |   |
| Forfeited                         |   |           | 36,000 |   |   |   | 10.11 |   |   |   |   |
| Expired                           |   |           | - |   |   |   | - |   |   |   |   |
| Outstanding at September 30, 2009 |   |           | 253,500 |   |   | $ | 9.16 |   |   |   | 7.25 |
|                              |   |           |   |   |   |   |   |   |   |   |   |
| Exercisable at September 30, 2009 |   |           | 141,200 |   |   | $ | 9.90 |   |   |   | 6.88 |
|                              |   |           |   |   |   |   |   |   |   |   |   |

|                            |   | Stock Options   |    |   | Restricted Stock Awards |
|---------------------------------|--------|-----------------|---------|--------|-------------------------|
|                            |   | Number ofShares |    |   | Fair-ValuePrice         |   |   | Number ofShares |   |   | Fair-ValuePrice |
| Nonvested at January 1, 2009    |   |            | 173,700 |   |                    | $ | 3.08 |   |   |   | 73,600 |   |   | $ | 9.25 |
| Granted                         |   |            | 15,000  |   |                    |   | 1.66 |   |   |   | 5,000 |   |   |   | 3.10 |
| Vested                          |   |            | 40,400  |   |                    |   | 3.09 |   |   |   | 17,900 |   |   |   | 10.04 |
| Forfeited                       |   |            | 36,000  |   |                    |   | 3.16 |   |   |   | 12,000 |   |   |   | 10.11 |
| Nonvested at September 30, 2009 |   |            | 112,300 |   |                    | $ | 2.86 |   |   |   | 48,700 |   |   | $ | 8.12 |

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|                                         |   | Three Months Ended |
|----------------------------------------------|--------|--------------------|
|                                         |   | September 30, |
| (Dollars in thousands)                       |   | 2009               |   |   | 2008 |
| Net income of FedFirst Financial Corporation |   | $                  | 105 |   |   | $ | 66 |   |
| Return on average assets                     |   |               | 0.12 | % |   |   | 0.08 | % |
| Return on average equity                     |   |               | 1.02 |   |   |   | 0.65 |   |
| Average equity to average assets             |   |               | 11.75 |   |   |   | 11.81 |   |

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|                               |   | Three Months Ended September 30, |
|------------------------------------|--------|----------------------------------|
|                               |   | 2009                             |   | 2008 |
| (Dollars in thousands)             |   | AverageBalance                   |   |   | InterestandDividends |   |   | Yield/Cost |   | AverageBalance |   |   | InterestandDividends |   |   | Yield/Cost |
| Assets:                            |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-earning assets:           |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans, net (1)(2)                  |   | $                                | 238,885 |   |   | $ | 3,494 |   |   |   |    5.85% |   | $ | 218,341 |   |   | $ | 3,218 |   |   |   |    5.90% |
| Securities (3)                     |   |                             | 79,209 |   |   |   | 1,012 |   |   |   | 5.11 |   |   | 98,410 |   |   |   | 1,315 |   |   |   | 5.34 |
| Other interest-earning assets      |   |                             | 6,694 |   |   |   | 3 |   |   |   | 0.18 |   |   | 10,864 |   |   |   | 69 |   |   |   | 2.54 |
| Total interest-earning assets      |   |                             | 324,788 |   |   | $ | 4,509 |   |   |   | 5.55 |   |   | 327,615 |   |   | $ | 4,602 |   |   |   | 5.62 |
| Noninterest-earning assets         |   |                             | 24,123 |   |   |   |   |   |   |   |   |   |   | 16,201 |   |   |   |   |   |   |   |   |
| Total assets                       |   | $                                | 348,911 |   |   |   |   |   |   |   |   |   | $ | 343,816 |   |   |   |   |   |   |   |   |
|                               |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities and                    |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Stockholders' equity:              |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liablities:       |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing                   |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| demand deposits                    |   | $                                | 14,187 |   |   | $ | 11 |   |   |   |    0.31% |   | $ | 11,871 |   |   | $ | 14 |   |   |   |    0.47% |
| Savings accounts                   |   |                             | 22,799 |   |   |   | 29 |   |   |   | 0.51 |   |   | 23,787 |   |   |   | 45 |   |   |   | 0.76 |
| Money market accounts              |   |                             | 50,661 |   |   |   | 223 |   |   |   | 1.76 |   |   | 37,429 |   |   |   | 296 |   |   |   | 3.16 |
| Certificates of deposit            |   |                             | 85,431 |   |   |   | 724 |   |   |   | 3.39 |   |   | 85,208 |   |   |   | 794 |   |   |   | 3.73 |
| Total interest-bearing deposits    |   |                             | 173,078 |   |   |   | 987 |   |   |   | 2.28 |   |   | 158,295 |   |   |   | 1,149 |   |   |   | 2.90 |
|                               |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Borrowings                         |   |                             | 115,112 |   |   |   | 1,109 |   |   |   | 3.85 |   |   | 127,254 |   |   |   | 1,273 |   |   |   | 4.00 |
| Total interest-bearing liabilities |   |                             | 288,190 |   |   |   | 2,096 |   |   |   | 2.91 |   |   | 285,549 |   |   |   | 2,422 |   |   |   | 3.39 |
|                               |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest-bearing liabilities    |   |                             | 19,729 |   |   |   |   |   |   |   |   |   |   | 17,672 |   |   |   |   |   |   |   |   |
| Total liabilities                  |   |                             | 307,919 |   |   |   |   |   |   |   |   |   |   | 303,221 |   |   |   |   |   |   |   |   |
|                               |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Stockholders' equity               |   |                             | 40,992 |   |   |   |   |   |   |   |   |   |   | 40,595 |   |   |   |   |   |   |   |   |
| Total liabilities and              |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| stockholders' equity               |   | $                                | 348,911 |   |   |   |   |   |   |   |   |   | $ | 343,816 |   |   |   |   |   |   |   |   |
|                               |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net interest income                |   |                             |   |   |   | $ | 2,413 |   |   |   |   |   |   |   |   |   | $ | 2,180 |   |   |   |   |
|                               |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest rate spread (4)           |   |                             |   |   |   |   |   |   |   |   |    2.64% |   |   |   |   |   |   |   |   |   |   |    2.23% |
| Net interest margin (5)            |   |                             |   |   |   |   |   |   |   |   | 2.97 |   |   |   |   |   |   |   |   |   |   | 2.66 |
| Average interest-earning           |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| assets to average                  |   |                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| interest-bearing liablities        |   |                             |   |   |   |   |   |   |   |   | 112.70% |   |   |   |   |   |   |   |   |   |   | 114.73% |

| (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. |
|-----|------------------------------------------------------------------------------------------------|

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|                              |   | Three Months Ended September 30, 2009 |   |
|-----------------------------------|--------|---------------------------------------|--------|
|                              |   | Compared To                           |   |
|                              |   | Three Months Ended September 30, 2008 |   |
|                              |   | Increase (decrease) due to            |   |
| (Dollars in thousands)            |   | Volume                                |   |   | Rate |   |   | Total |   |
|                              |   |                                  |   |   |   |   |   |   |   |
| Interest and dividend income:     |   |                                  |   |   |   |   |   |   |   |
| Loans, net                        |   | $                                     | 303    |   |   | $ | (27 | ) |   | $ | 276 |   |
| Securities                        |   |                                  | (248   | ) |   |   | (55 | ) |   |   | (303 | ) |
| Other interest-earning assets     |   |                                  | (20    | ) |   |   | (46 | ) |   |   | (66 | ) |
| Total interest-earning assets     |   |                                  | 35     |   |   |   | (128 | ) |   |   | (93 | ) |
|                              |   |                                  |   |   |   |   |   |   |   |   |   |   |
| Interest expense:                 |   |                                  |   |   |   |   |   |   |   |   |   |   |
| Deposits                          |   |                                  | 100    |   |   |   | (262 | ) |   |   | (162 | ) |
| Borrowings                        |   |                                  | (117   | ) |   |   | (47 | ) |   |   | (164 | ) |
| Total interest-bearing liablities |   |                                  | (17    | ) |   |   | (309 | ) |   |   | (326 | ) |
| Change in net interest income     |   | $                                     | 52     |   |   | $ | 181 |   |   | $ | 233 |   |

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|                               |   | Three Months Ended |   |
|------------------------------------|--------|--------------------|--------|
|                               |   | September 30,      |   |
| (Dollars in thousands)             |   | 2009               |   |   | 2008 |   |
| Compensation and employee benefits |   | $                  | 1,471  |   |   | $ | 1,373 |   |
| Occupancy                          |   |               | 359    |   |   |   | 328 |   |
| FDIC insurance premiums            |   |               | 111    |   |   |   | 9 |   |
| Data processing                    |   |               | 114    |   |   |   | 104 |   |
| Professional services              |   |               | 177    |   |   |   | 146 |   |
| Advertising                        |   |               | 64     |   |   |   | 22 |   |
| Stationary, printing and supplies  |   |               | 37     |   |   |   | 27 |   |
| Telephone                          |   |               | 16     |   |   |   | 13 |   |
| Postage                            |   |               | 34     |   |   |   | 31 |   |
| Correspondent bank fees            |   |               | 42     |   |   |   | 38 |   |
| Real estate owned expense          |   |               | 17     |   |   |   | 114 |   |
| All other                          |   |               | 215    |   |   |   | 175 |   |
| Total noninterest expense          |   | $                  | 2,657  |   |   | $ | 2,380 |   |

|                                         | Nine Months Ended |
|----------------------------------------------|------------------------|
|                                         | September 30,     |
| (Dollars in thousands)                       | 2009                   |   | 2008 |
| Net income of FedFirst Financial Corporation | $                      |  472 |   |   | $ |  399 |   |
| Return on average assets                     |                   |  0.18 | % |   |   |  0.16 | % |
| Return on average equity                     |                   |  1.55 |   |   |   |  1.26 |   |
| Average equity to average assets             |                   |  11.62 |   |   |   |  12.70 |   |

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|                               |   | Nine Months Ended September 30, |
|------------------------------------|--------|---------------------------------|
|                               |   | 2009                            |   | 2008 |
| (Dollars in thousands)             |   | AverageBalance                  |   |   | InterestandDividends |   |   | Yield/Cost |   | AverageBalance |   |   | InterestandDividends |   |   | Yield/Cost |
| Assets:                            |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-earning assets:           |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans, net (1)(2)                  |   | $                               | 234,061 |   |   | $ | 10,226 |   |   |   |    5.83% |   | $ | 203,051 |   |   | $ | 8,937 |   |   |   |    5.87% |
| Securities (3)                     |   |                            | 83,230 |   |   |   | 3,323 |   |   |   | 5.32 |   |   | 99,671 |   |   |   | 4,074 |   |   |   | 5.45 |
| Other interest-earning assets      |   |                            | 6,823 |   |   |   | 14 |   |   |   | 0.27 |   |   | 11,227 |   |   |   | 252 |   |   |   | 2.99 |
| Total interest-earning assets      |   |                            | 324,114 |   |   | $ | 13,563 |   |   |   | 5.58 |   |   | 313,949 |   |   | $ | 13,263 |   |   |   | 5.63 |
| Noninterest-earning assets         |   |                            | 24,928 |   |   |   |   |   |   |   |   |   |   | 17,873 |   |   |   |   |   |   |   |   |
| Total assets                       |   | $                               | 349,042 |   |   |   |   |   |   |   |   |   | $ | 331,822 |   |   |   |   |   |   |   |   |
|                               |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities and                    |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Stockholders' equity:              |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liablities:       |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing                   |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| demand deposits                    |   | $                               | 13,064 |   |   | $ | 35 |   |   |   |    0.36% |   | $ | 11,900 |   |   | $ | 42 |   |   |   |    0.47% |
| Savings accounts                   |   |                            | 22,825 |   |   |   | 99 |   |   |   | 0.58 |   |   | 23,495 |   |   |   | 140 |   |   |   | 0.79 |
| Money market accounts              |   |                            | 47,998 |   |   |   | 778 |   |   |   | 2.16 |   |   | 26,853 |   |   |   | 640 |   |   |   | 3.18 |
| Certificates of deposit            |   |                            | 85,101 |   |   |   | 2,229 |   |   |   | 3.49 |   |   | 93,970 |   |   |   | 2,866 |   |   |   | 4.07 |
| Total interest-bearing deposits    |   |                            | 168,988 |   |   |   | 3,141 |   |   |   | 2.48 |   |   | 156,218 |   |   |   | 3,688 |   |   |   | 3.15 |
|                               |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Borrowings                         |   |                            | 120,223 |   |   |   | 3,523 |   |   |   | 3.91 |   |   | 116,812 |   |   |   | 3,516 |   |   |   | 4.01 |
| Total interest-bearing liabilities |   |                            | 289,211 |   |   |   | 6,664 |   |   |   | 3.07 |   |   | 273,030 |   |   |   | 7,204 |   |   |   | 3.52 |
|                               |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest-bearing liabilities    |   |                            | 19,262 |   |   |   |   |   |   |   |   |   |   | 16,645 |   |   |   |   |   |   |   |   |
| Total liabilities                  |   |                            | 308,473 |   |   |   |   |   |   |   |   |   |   | 289,675 |   |   |   |   |   |   |   |   |
|                               |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Stockholders' equity:              |   |                            | 40,569 |   |   |   |   |   |   |   |   |   |   | 42,147 |   |   |   |   |   |   |   |   |
| Total liabilities and              |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| stockholders' equity               |   | $                               | 349,042 |   |   |   |   |   |   |   |   |   | $ | 331,822 |   |   |   |   |   |   |   |   |
|                               |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net interest income                |   |                            |   |   |   | $ | 6,899 |   |   |   |   |   |   |   |   |   | $ | 6,059 |   |   |   |   |
|                               |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest rate spread (4)           |   |                            |   |   |   |   |   |   |   |   | 2.51% |   |   |   |   |   |   |   |   |   |   |    2.11% |
| Net interest margin (5)            |   |                            |   |   |   |   |   |   |   |   | 2.84 |   |   |   |   |   |   |   |   |   |   | 2.57 |
| Average interest-earning           |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| assets to average                  |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| interest-bearing liablities        |   |                            |   |   |   |   |   |   |   |   | 112.07% |   |   |   |   |   |   |   |   |   |   | 114.99% |

| (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. |
|-----|------------------------------------------------------------------------------------------------|

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|                                |   | Nine Months Ended September 30, 2009 |   |
|-------------------------------------|--------|------------------------------------------------|--------|
|                                |   | Compared To                                    |   |
|                                |   | Nine Months Ended September 30, 2008 |   |
|                                |   | Increase (decrease) due to                     |   |
| (Dollars in thousands)              |   | Volume                                         |   |   | Rate |   |   | Total |   |
|                                |   |                                           |   |   |   |   |   |   |   |
| Interest and dividend income:       |   |                                           |   |   |   |   |   |   |   |
| Loans, net                          |   | $                                              | 1,350  |   |   | $ | (61 | ) |   | $ | 1,289 |   |
| Securities                          |   |                                           | (656   | ) |   |   | (95 | ) |   |   | (751 | ) |
|  Other interest-earning assets |   |                                           | (72    | ) |   |   | (166 | ) |   |   | (238 | ) |
| Total interest-earning assets       |   |                                           | 622    |   |   |   | (322 | ) |   |   | 300 |   |
|                                |   |                                           |   |   |   |   |   |   |   |   |   |   |
| Interest expense:                   |   |                                           |   |   |   |   |   |   |   |   |   |   |
| Deposits                            |   |                                           | 284    |   |   |   | (831 | ) |   |   | (547 | ) |
| Borrowings                          |   |                                           | 96     |   |   |   | (89 | ) |   |   | 7 |   |
| Total interest-bearing liablities   |   |                                           | 380    |   |   |   | (920 | ) |   |   | (540 | ) |
|  Change in net interest income |   | $                                              | 242    |   |   | $ | 598 |   |   | $ | 840 |   |

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|                               |   | Nine Months Ended |   |
|------------------------------------|--------|-------------------|--------|
|                               |   | September 30,     |   |
| (Dollars in thousands)             |   | 2009              |   |   | 2008 |   |
| Compensation and employee benefits |   | $                 | 4,393  |   |   | $ | 4,147 |   |
| Occupancy                          |   |              | 1,057  |   |   |   | 987 |   |
| FDIC insurance premiums            |   |              | 459    |   |   |   | 20 |   |
| Data processing                    |   |              | 331    |   |   |   | 315 |   |
| Professional services              |   |              | 489    |   |   |   | 415 |   |
| Advertising                        |   |              | 138    |   |   |   | 92 |   |
| Stationary, printing and supplies  |   |              | 103    |   |   |   | 84 |   |
| Telephone                          |   |              | 47     |   |   |   | 45 |   |
| Postage                            |   |              | 105    |   |   |   | 102 |   |
| Correspondent bank fees            |   |              | 127    |   |   |   | 117 |   |
| Real estate owned expense          |   |              | 19     |   |   |   | 114 |   |
| All other                          |   |              | 598    |   |   |   | 532 |   |
| Total noninterest expense          |   | $                 | 7,866  |   |   | $ | 6,970 |   |

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|                                       |   | September 30, |   |
|--------------------------------------------|--------|--------------------|--------|
| (Dollars in thousands)                     |   | 2009               |   |
| Loans in process                           |   | $                  | 3,470  |   |
| Unused revolving lines of credit           |   |               | 3,062  |   |
| Unused commercial business lines of credit |   |               | 4,665  |   |
| One-to-four family residential commitments |   |               | 693    |   |
| Consumer commitments                       |   |               | 720    |   |
| Total commitments outstanding              |   | $                  | 12,610 |   |

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PART

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| Period      |   | Total Number ofShares Purchased (1) |   |   | AveragePrice Paidper Share |   |   | Total Number of SharesPurchased as Part of thePublicly AnnouncedProgram (1) |   |   | Maximum Number ofShares that May Yet BePurchased Under theProgram (1) |   |
|-------------|--------|-------------------------------------|--------|--------|----------------------------|--------|--------|-----------------------------------------------------------------------------|--------|--------|-----------------------------------------------------------------------|--------|
| July 2009   |   |                                | 110    |   |                       | $      | 3.15   |                                                                        |   |   | -                                                                     |   |   |   | - |   |
| August 2009 |   |                                | 3,193  |   |                       |   | 3.10   |                                                                        |   |   | -                                                                     |   |   |   | - |   |
| Total       |   |                                | 3,303  |   |                       |   | 3.10   |                                                                        |   |   | -                                                                     |   |   |   |   |   |

| (1) | In July and August 2009, the Company purchased 3,303 shares that were not made pursuant to a publicly announced program. It was the Company’s obligation to purchase shares from participants in the Company’s Equity Incentive Plan to cover income taxes on vested shares. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 3.1 | Amended and Restated Charter of FedFirst Financial Corporation (1) |
|-----|--------------------------------------------------------------------|

| 3.2 | Amended and Restated Bylaws of FedFirst Financial Corporation (2) |
|-----|-------------------------------------------------------------------|

| 3.3 | Amendment, effective September 22, 2009, to the Amended and Restated Bylaws of FedFirst Financial Corporation (4) |
|-----|-------------------------------------------------------------------------------------------------------------------|

| 4.0 | Specimen Stock Certificate of FedFirst Financial Corporation (1) |
|-----|------------------------------------------------------------------|

| 10.1 | Amendment to the Employment Agreement by and between Exchange Underwriters, Inc. and Richard B. Boyer, effective September 19, 2009 (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. |
|-----|----------------------------------------------------------|

| (4) | Incorporated herein by reference to FedFirst Financial Corporation’s Form 8-K filed on September 28, 2009. |
|-----|------------------------------------------------------------------------------------------------------------------|

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SIGNATURES

|   |                   |   | FEDFIRST FINANCIAL CORPORATION                             |
|--------|------------------------|--------|------------------------------------------------------------|
|   |                   |   | (Registrant)                                               |
|   |                   |   |                                                       |
| Date:  | November 13, 2009 |   | /s/ Patrick G. O’Brien                               |
|   |                   |   | Patrick G. O’Brien                                   |
|   |                   |   | President and Chief Executive Officer                      |
|   |                   |   |                                                       |
| Date:  | November 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) |