FORM 10-QSB

                     SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C.  20549

                                 (Mark One)

           [X]   QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
                   OF THE SECURITIES EXCHANGE ACT OF 1934

              For the quarterly period ended December 31, 1999


           [ ]  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
                   OF THE SECURITIES EXCHANGE ACT OF 1934

           For the transition period from            to __________
           Commission File No. 0-20380
                               -------

                         FIRST FEDERAL BANCORP, INC.
           ------------------------------------------------------
           (Exact name of registrant as specified in its charter)

              Ohio                                31-1341110
-------------------------------             ----------------------
(State or other jurisdiction of             (I.R.S. Employer
 incorporation or organization)             Identification Number)

  505 Market Street
  Zanesville, Ohio                                  43701
---------------------                             ----------
(Address of principal                             (Zip Code)
  executive office)

Registrant's telephone number, including area code:  (740) 453-0606

Check whether the issuer (1) filed all reports required to be filed by
Section 13 or 15(d) of the Exchange Act during the past 12 months (or for
such shorter period that the registrant was required to file such reports),
and (2) has been subject to such filing requirements for the past 90 days.

                           Yes   X       No _____

As of January 31, 2000, the latest practicable date, 3,196,171 shares of the
registrant's common stock, no par value, were issued and outstanding.


                         FIRST FEDERAL BANCORP, INC.

                                    INDEX
                                    -----

PART I     FINANCIAL INFORMATION                                        PAGE
                                                                        ----

           Consolidated Statements of Financial Condition                3

           Consolidated Statements of Income                             4

           Consolidated Statements of Cash Flows                         5

           Notes to Consolidated Financial Statements                    6

           Management's Discussion and Analysis of
           Financial Condition and Results of  Operations                8

PART II    OTHER INFORMATION                                            11

           SIGNATURES                                                   12


                                    PART I
                                    ------

                            FINANCIAL INFORMATION
                            ---------------------

                         First Federal Bancorp, Inc.

               CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

<TABLE>
<CAPTION>

                                                                       At Dec. 31      At Sept. 30
                                                                          1999            1999
                                                                          ----            ----
<S>                                                                   <C>             <C>
ASSETS
Cash and amounts due from depository institutions                     $  4,931,543    $  5,355,233
Overnight deposits                                                               0          25,000
                                                                      ----------------------------
      Cash and cash equivalents                                       $  4,931,543    $  5,380,233
Interest-bearing deposits in other financial institutions                1,897,000       2,497,030
Investment securities held to maturity (Fair value - $8,501,000
 in 12/99 and $9,693,000 in 9/99)                                        8,676,016       9,705,812
Mortgage-backed securities held to maturity (Fair value - $876,000
 in 12/99 and $980,000 in 9/99)                                            880,801         969,044
Loans receivable, net                                                  190,501,098     178,949,202
Federal Home Loan Bank stock                                             3,856,900       3,790,100
Premises and equipment, net                                              6,869,574       6,978,793
Accrued interest receivable and other assets                             1,705,752       1,589,594
                                                                      ----------------------------
      Total Assets                                                    $219,318,684    $209,859,808
                                                                      ============================

LIABILITIES AND STOCKHOLDERS' EQUITY
Liabilities
  Deposits                                                            $139,538,028    $145,120,096
  Borrowed funds                                                        60,245,209      45,568,460
  Advances from borrowers for taxes and insurance                          561,129         411,326
  Accrued expenses and other liabilities                                 1,145,394       1,107,658
                                                                      ----------------------------
      Total Liabilities                                               $201,489,760    $192,207,540
                                                                      ----------------------------

Stockholders' Equity
  Preferred stock:  $100 par value; 1,000,000 shares
   authorized; no shares issued and outstanding
  Common stock:  no par value; 9,000,000 shares authorized;
   3,303,400 shares issued; 3,196,171 shares outstanding in
   both 12/99 and 9/99                                                $  3,736,076    $  3,736,076
  Retained earnings                                                     14,444,713      14,268,057
  Treasury shares, 107,229 shares in both 12/99 and 9/99, at cost         (351,865)      (351,865)
                                                                      ----------------------------
      Total Stockholders' Equity                                      $ 17,828,924    $ 17,652,268
                                                                      ----------------------------

      Total Liabilities and Stockholders' Equity                      $219,318,684    $209,859,808
                                                                      ============================
</TABLE>

See Notes to the Consolidated Financial Statements.


                         First Federal Bancorp, Inc.
                      CONSOLIDATED STATEMENTS OF INCOME

<TABLE>
<CAPTION>

                                                       Three Months Ended
                                                          December 31
                                                    ------------------------
                                                       1999          1998
                                                       ----          ----
<S>                                                 <C>           <C>
INTEREST INCOME
  Interest and fees on loans                        $3,628,251    $3,513,653
  Interest on mortgage-backed securities                16,127        22,803
  Interest on investment securities                    108,792       156,643
  Interest on other interest earning investments        32,582       205,801
                                                    ------------------------
      Total Interest Income                          3,785,752     3,898,900
                                                    ------------------------

INTEREST EXPENSE
  Interest on deposits                               1,372,611     1,577,408
  Interest on borrowed funds                           773,961       753,266
                                                    ------------------------
      Total Interest Expense                         2,146,572     2,330,674
                                                    ------------------------
      Net Interest Income                            1,639,180     1,568,226
      Provision for Loan Losses                         31,290      (71,509)
                                                    ------------------------
      Net Interest Income After Provision
       for Loan Losses                               1,607,890     1,639,735
                                                    ------------------------

NONINTEREST INCOME
  Service charges on deposit accounts                  101,267        79,576
  Gain on sale of loans                                  1,256        26,922
  Dividends on FHLB stock                               66,872        62,353
  Other operating income                               171,693       137,027
                                                    ------------------------
      Total Noninterest Income                         341,088       305,878
                                                    ------------------------

NONINTEREST EXPENSE
  Salaries and employee benefits                       632,915       571,496
  Occupancy and equipment expense                      240,587       226,403
  Deposit insurance expense                             35,026        35,772
  Data processing expense                              118,270       130,188
  Advertising                                           80,427        52,256
  Ohio franchise taxes                                  52,765        54,334
  Other operating expenses                             302,063       290,873
                                                    ------------------------
      Total Noninterest Expenses                     1,462,053     1,361,322
                                                    ------------------------
      Income Before Income Taxes                       486,925       584,291
      Provision for Income Taxes                       182,422       203,329
                                                    ------------------------
      Net Income                                    $  304,503    $  380,962
                                                    ========================
EARNINGS PER SHARE
  Basic                                             $      .10    $      .12
                                                    ------------------------
  Diluted                                           $      .09    $      .11
                                                    ------------------------

WEIGHTED AVERAGE COMMON AND
 COMMON EQUIVALENT SHARES
  Basic                                              3,196,171     3,150,532
                                                    ------------------------
  Diluted                                            3,406,188     3,467,516
                                                    ------------------------
DIVIDENDS DECLARED PER SHARE                        $      .04    $      .04
                                                    ------------------------
</TABLE>

See Notes to the Consolidated Financial Statements.


                         First Federal Bancorp, Inc.

                    CONSOLIDATED STATEMENTS OF CASH FLOWS

<TABLE>
<CAPTION>
                                                                                  Three Months Ended
                                                                                     December 31
                                                                              --------------------------
<S>                                                                           <C>            <C>
CASH FLOWS FROM OPERATING ACTIVITIES:                                             1999           1998
                                                                                  ----           ----
  Net Income                                                                  $   304,503    $   380,962

  Adjustments to reconcile net income to net cash
   provided by operating activities:

    Provision for loan losses                                                      31,290        (71,509)
    Depreciation                                                                  150,369         144,199
    Federal Home Loan Bank stock dividends                                        (66,800)       (62,300)
    Amortization of net premiums (discounts) on investment securities             (27,217)       (97,868)
    Mortgage loans originated for sale                                           (199,200)    (3,019,849)
    Proceeds from sale of mortgage loans                                          105,200      2,994,449
    Change in other assets and other liabilities                                  (78,423)        23,661
                                                                              --------------------------
      Net Cash Provided by Operating Activities                                   219,722        291,745
                                                                              --------------------------

CASH FLOWS FROM INVESTING ACTIVITIES:
  Proceeds from maturities of investment securities                             6,706,099      5,505,690
  Purchases of investment securities/FHLB stock                                (5,049,057)    (7,183,769)
  Loans originated, net of principal repayments                               (11,514,985)     2,485,703
  Principal collected on mortgage-backed securities                                88,243         70,392
  Sale of real estate owned / repossessed assets                                   25,800         45,150
  Purchases of premises and equipment                                             (41,150)       (27,617)
                                                                              --------------------------

      Net Cash Used for Investing Activities                                   (9,785,050)       895,549
                                                                              --------------------------

CASH FLOWS FROM FINANCING ACTIVITIES:
  Net change in deposit accounts                                               (5,582,068)     5,511,192
  Net change in advance payments by borrowers for taxes and insurance             149,804        223,219
  Net change in borrowed funds with original maturities of less than three
   months                                                                      15,676,749         (3,062)
  Repayment of long-term FHLB advances                                         (1,000,000)             0
  Cash dividends paid                                                            (127,847)      (126,021)
  Proceeds from exercise of options                                                     0              0
                                                                              --------------------------

      Net Cash Provided by Financing Activities                                 9,116,638      5,605,328
                                                                              --------------------------

NET CHANGE IN CASH AND CASH EQUIVALENTS                                          (448,690)     6,792,622

CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD                                5,380,233     18,332,155
                                                                              --------------------------

CASH AND CASH EQUIVALENTS AT END OF PERIOD                                    $ 4,931,543    $25,124,777
                                                                              ==========================
</TABLE>

See Notes to the Consolidated Financial Statements.


                         FIRST FEDERAL BANCORP, INC.
                 Notes to Consolidated Financial Statements

1.    Basis of Presentation
      ---------------------

The accompanying unaudited Consolidated Financial Statements have been
prepared in accordance with generally accepted accounting principles for
interim financial information and the instructions to Form 10-QSB.  The Form
10-QSB does not include all the information and footnotes required by
generally accepted accounting principles for complete financial statements.
Only material changes in financial condition and results of operations are
discussed in Management's Discussion and Analysis of Financial Condition and
Results of Operations.

In the opinion of management, the condensed Consolidated Financial
Statements contain all adjustments necessary to present fairly the financial
condition of First Federal Bancorp, Inc. ("Bancorp"), as of December 31,
1999, and September 30, 1999, and the results of its operations for the
three months ended December 31, 1999, and 1998, and its cash flow for the
three months ended December, 1999 and 1998.  The results of operations for
the interim periods reported herein are not necessarily indicative of
results of operations to be expected for the entire year.

2.    Commitments
      -----------

Outstanding commitments to originate mortgage loans and to sell mortgage
loans were $1,112,600 and $94,000 respectively, at December 31, 1999, and
$3,327,100 and $0 respectively at September 30, 1999.

3.    Earnings and Dividends Per Common Share
      ---------------------------------------

Basic earnings per share is based on net income divided by the weighted
average number of shares outstanding during the period.  Diluted earnings
per share shows the dilutive effect of additional common shares issuable
under stock options.

4.    Allowance for Losses on Loans
      -----------------------------

Because some loans may not be repaid in full, an allowance for loan losses
is recorded.  Increases to the allowance are recorded by a provision for
loan losses charged to expense.  Estimating the risk of loss and the amount
of loss on any loan is necessarily subjective.  Accordingly, the allowance
is maintained by management at a level considered adequate to cover probable
losses that are currently anticipated based on past loss experience, general
economic conditions, information about specific borrower situations,
including their financial position and collateral values, and other factors
and estimates which are subject to change over time.  While management may
periodically allocate portions of the allowance for specific problem loan
situations, the whole allowance is available for any loan charge-offs that
occur.  A loan is charged-off by management as a loss when deemed
uncollectible, although collection efforts continue and future recoveries
may occur.

Loans are considered impaired if full principal or interest payments are not
anticipated.  Impaired loans are carried at the present value of expected
cash flows discounted at the loan's effective interest rate or at the fair
value of the collateral if the loan is collateral dependent.  A portion of
the allowance for loan losses is allocated to impaired loans.

Smaller-balance, homogeneous loans are evaluated for impairment in total.
Such loans include residential first mortgage loans secured by one- to four-
family residences, residential construction loans, and automobile, home
equity and second mortgage loans.  Mortgage loans secured by other
properties are evaluated individually for impairment.  When analysis of
borrower operating results and financial condition indicates that underlying
cash flows of the borrower's business are not adequate to meet its debt
service requirements, the loan is evaluated for impairment. Loans are
generally moved to nonaccrual status when 90 days or more past due.  These
loans are often also considered impaired.  Impaired loans, or portions
thereof, are charged-off when deemed uncollectible.  The nature of
disclosures for impaired loans is considered generally comparable to prior
nonaccrual and renegotiated loans and nonperforming and past-due asset
disclosures.  The Savings Bank had no loans meeting the definition of
impaired during the quarter ended December 31, 1999, and the year ended
September 30, 1999.

5.    Interest Income on Loans
      ------------------------

Interest on loans is accrued over the term of the loans based upon the
principal outstanding.  Management reviews loans delinquent 90 days or more
to determine if the interest accrual should be discontinued.  The carrying
value of impaired loans reflects cash payments, revised estimates of future
cash flows, and increases in the present value of expected cash flows due to
the passage of time.  Cash payments representing interest income are
reported as such and other cash payments are reported as reductions in
carrying value.  Increases or decreases in carrying value due to changes in
estimates of future payments or the passage of time are reported as
reductions or increases in bad debt expense.


                   MANAGEMENT'S DISCUSSION AND ANALYSIS OF
                FINANCIAL CONDITION AND RESULTS OF OPERATIONS

General

First Federal Bancorp, Inc. ("Bancorp"), is a savings and loan holding
company that wholly owns First Federal Savings Bank of Eastern Ohio (the
"Savings Bank").  The Savings Bank is engaged in the savings and loan
business primarily in Central and Eastern Ohio.  The Savings Bank is a
member of the Federal Home Loan Bank ("FHLB") of Cincinnati, and the deposit
accounts in the Savings Bank are insured up to the applicable limits by the
Federal Deposit Insurance Corporation in the Savings Association Insurance
Fund ("SAIF").

Note Regarding Forward-Looking Statements
-----------------------------------------

In addition to historical information contained herein, the following
discussion contains forward-looking statements that involve risks and
uncertainties.  Economic circumstances, First Federal's operations and First
Federal's actual results could differ significantly from those discussed in
the forward-looking statements.  Some of the factors that could cause or
contribute to such differences are discussed herein but also include changes
in the economy and interest rates in the nation and First Federal's market
area generally.  See Exhibit 99.2 hereto, which is incorporated herein by
reference.

Some of the forward-looking statements included herein are the statements
regarding the following:

1.   Management's determination of the amount of loan loss allowance;
2.   Management's belief that deposits will increase slightly during fiscal
     year 2000;
3.   Management's anticipation that loan demand will remain stable but that
     the mortgage loan portfolio will increase as higher interest rates make
     adjustable mortgages, which are held in portfolio, more attractive;
4.   Management's anticipation that advances from the FHLB will increase to
     fund loan originations;
5.   Management's anticipation that adjustable-rate loans will reprice
     higher in fiscal year 2000 if interest rates remain relatively stable;
     and
6.   Legislative changes with respect to the activities of financial
     institutions.

Changes in Financial Condition from September 30, 1999 to December 31, 1999
---------------------------------------------------------------------------

Total consolidated assets of Bancorp increased by $9.5 million, or 4.51%,
from $209.9 million at September 30, 1999, to $219.3 million at December 31,
1999.  The increase is due primarily to an increase of $11.6 million in
loans receivable offset by a decrease of $.4 million in cash and cash
equivalents and a decrease of $1.6 million in investments held to maturity.

Total liquidity (consisting of cash and amounts due from depository
institutions, interest-bearing deposits in other banks, and investment
securities) was $15.5 million at December 31, 1999, which is a decrease of
$2.1 million from September 30, 1999.  The regulatory liquidity of the
Savings Bank was 5.51% at December 31, 1999 and 6.49% at September 30, 1999,
which was in excess of the minimum regulatory requirement of 4%.  Funds are
available through FHLB advances to meet the Savings Bank's liquidity
requirement if necessary.

The loans receivable balance increased $11.6 million for the three-month
period.  As rates increased, consumer demand for adjustable-rate mortgages
has increased.  The Savings Bank has retained these adjustable-rate
mortgages in its portfolio as they meet the requirement of its Strategic
Plan.  Management anticipates that loan demand will remain stable but that
the mortgage loan portfolio will increase as higher interest rates make
adjustable mortgages, which are held in portfolio, more attractive.  No
assurance can be provided, however, that the loan portfolio will increase or
that loan demand will remain stable.

As of December 31, 1999, the Savings Bank had borrowed funds from the FHLB
in the amount of $60.2 million at a weighted average rate of 6.24%.  FHLB
advances increased $14.7 million from $45.6 million at September 30, 1999.
Deposits decreased by $5.6 million, or 3.85%, from $145.1 million at
September 30, 1999, to $139.5 million at December 31, 1999.  The decrease in
savings was due to a $3.4 million reduction in jumbo certificates that
matured and a $1.7 million reduction in noncertificate accounts.  Management
believes that deposits will increase slightly during fiscal year 2000 and
that it will be necessary to fund the anticipated steady loan demand with
further advances from the FHLB, whose rates are now in line with current
market savings rates and their SAIF premiums.  No assurance can be provided,
however, that deposits will increase slightly and that the loan portfolio
will increase or that loan demand will remain stable.  Deposit levels and
loan demand are affected by national, as well as local, interest rates, the
attractiveness of alternative investments and other national and local
economic circumstances.

The Savings Bank is subject to regulatory capital requirements established
by the Office of Thrift Supervision ("OTS").  The Savings Bank's capital
ratios were as follows at December 31, 1999.

<TABLE>
<CAPTION>

                                      Amount        Percent of
                                  (In Thousands)      Assets
                                  --------------    ----------

      <S>                            <C>              <C>
      Actual Tangible Capital        $15,786           7.16%
      Required Tangible Capital        3,307           1.50%
                                     ----------------------
      Excess Tangible Capital        $12,479           5.66%
                                     ----------------------

      Actual Core Capital            $15,786           7.16%
      Required Core Capital            8,819           4.00%
                                     ----------------------
      Excess Core Capital            $ 6,967           3.16%

      Actual Risk Based Capital      $17,161          12.20%
      Required Risk Based Capital     11,257           8.00%
                                     ----------------------
      Excess Risk Based Capital      $ 5,904           4.20%
</TABLE>

Management is not aware of any proposed regulations or recommendations by
the OTS that, if implemented, would have a material effect upon the Savings
Bank's capital.

In August 1996, Congress passed legislation repealing the reserve method of
accounting used by many thrifts to calculate their bad debt reserve for
federal income tax purposes and requiring any bad debt reserves taken after
1987, using the percentage of taxable income method, be included in future
taxable income of the association over a six-year period.  A two-year delay
is permitted for institutions meeting a residential mortgage loan
origination test.  At September 30, 1999, First Federal had approximately
$1.6 million in bad debt reserves subject to recapture for federal income
tax purposes.  The deferred tax liability related to the recapture was
established in prior years, so First Federal's net income will not be
negatively affected by this legislation.

Comparison of Operating Results for the Three-Month Periods Ended
-----------------------------------------------------------------
December 31, 1999, and 1998
---------------------------

Net interest income before provision for loan losses increased $71,000 for
the comparative three-month periods.  Total interest expense decreased
$184,000 for the three-month period ended December 31, 1999, compared to the
same period in 1998, but was offset by a decrease of interest income of
$113,000.  Total interest expense decreased due to the reduced balance of
savings deposits during the three-month period ended December 31, 1999,
compared to the same period in 1998.  Total interest income decreased
primarily due to a reduction in the interest earned on other interest
earning investments.  The balance of other earning investments decreased
$16.3 million to $1.9 million at December 1999, compared to December 1998.

The majority of the loans in the Savings Bank's portfolio are adjustable-
rate mortgage loans whose interest rates fluctuate with market interest
rates.  If interest rates remain relatively stable during fiscal year 2000,
the adjustable-rate mortgage loan portfolio will reprice at slightly higher
rates, as most loans originated during fiscal year 1999 were not initially
priced at the fully indexed interest rate.  These loans will be repricing
upward at their first adjustment in fiscal year 2000 while the balance of
the adjustable-rate mortgage loan portfolio will not reprice substantially
lower during fiscal year 2000.  No assurance can be provided, however, that
interest rates will remain stable.  Interest rates are affected by general,
local and national economic conditions, the policies of various regulatory
authorities and other factors beyond the control of First Federal.

Nonperforming and Delinquent Loans and Allowance for Loan Losses
----------------------------------------------------------------

Total nonaccrual loans and accruing loans that are 90 days past due were
$326,000 at December 31, 1999, which represents .15% of total loans.  This
was a decrease of $346,000 from December 31, 1998.

There were no loans that are not currently classified as nonaccrual, 90 days
past due or restructured but which may be so classified in the near future
because management has concerns as to the ability of the borrowers to comply
with repayment terms.

The Savings Bank maintains an allowance for losses on loans.  The allowance
for losses on loans was $1,770,000 at December 31, 1999, compared to
$1,904,000 at December 31, 1998.  During the three-month periods ended
December 31, 1999, and December 31, 1998, the Savings Bank recorded
recoveries of $4,500 and $0 and charge-offs of $87,000 and $66,000
respectively.  Charge-offs increased $21,000 due to the losses taken on
repossessed cars.  A percentage of the outstanding loan balances is added or
deducted from the provision for loan losses as the loan portfolio increases
and decreases.  During the three-month period ended December 31, 1999, the
loan portfolio increased $11.6 million, which caused the provision for loan
losses for the period to increase.  The provisions for loan losses during
the three-month periods ended December 31, 1999, and 1998, were $31,300 and
$(71,500) respectively.

Noninterest Income and Expense
------------------------------

The federal income tax provision decreased $21,000 for the three-month
period ended December 31, 1999, compared to the same period in 1998 due to a
decrease in pre-tax net income for the period.

Total noninterest income increased $35,000 for the three-month period ended
December 31, 1999, compared to the same period in 1998.  Dividends on FHLB
stock increased $4,500 due to an increase in FHLB stock held.  Other income
increased $35,000 due to a $16,000 increase on fees collected on savings
products, a $6,200 collection of dormant fees, and a $8,000 increase in ATM,
ACH and miscellaneous fees.  Fees collected on checking accounts increased
$22,000.  These increases are a result of implementing recommendations from
the independent study completed in the second quarter of fiscal 1999.  These
increases were offset by a decrease in a gain on the sale of loans due to
keeping more of the loan production in portfolio.

Total noninterest expenses increased $100,000 for the quarter ended December
31, 1999, compared to the same period in 1998.  Salaries and benefits
increased $61,000 as a result of an additional pay period in the three-month
period ended December 1999 compared to the three-month period ended December
31, 1998.  Occupancy expense increased $14,000 for the three-month period
ended December 31, 1999; $5,500 of the increase was due to increased
depreciation on furniture and fixtures, and $12,000 of the increase was due
to increased costs for ATM upgrades and maintenance agreements on equipment.
Data processing costs decreased $12,000 due to a refund of $45,000 for costs
associated with the utilization of a networking system.  Advertising
increased $28,000 due to increased marketing and increased marketing costs.

Impact of Inflation and Changing Prices
---------------------------------------

The financial statements and related data presented herein have been
prepared in accordance with generally accepted accounting principles
("GAAP"), which require the measurement of financial position and results of
operations in terms of historical dollars without considering changes in
relative purchasing power of money over time because of inflation.

Unlike most industrial companies, virtually all of the assets and
liabilities of First Federal are monetary in nature.  As a result, interest
rates have a more significant impact on First Federal's performance than the
effects of general levels of inflation.  Interest rates do not necessarily
move in the same direction or in the same magnitude as the prices of goods
and services.

Effect of Accounting Changes
----------------------------

In June 1998, the FASB issued SFAS No. 133, "Accounting for Derivative
Instruments and Hedging Activities."  SFAS No. 133 standardizes the
accounting for derivative instruments, including certain derivative
instruments embedded in other contracts.  Under the standard, entities are
required to carry all derivative instruments in the statement of financial
position at fair value.  The accounting for changes in the fair value (i.e.
gains or losses) of a derivative instrument depends on whether it has been
designated and qualifies as part of a hedging relationship and, if so, on
the reason for holding it.  If certain conditions are met, entities may
elect to designate a derivative instrument as a hedge of exposures to
changes in fair value, cash flows, or foreign currencies.  If the hedged
exposure is a fair value exposure, the gain or loss on the derivative
instrument is recognized in earnings in the period of change together with
the offsetting loss or gain on the hedged item attributable to the risk
being hedged.  If the hedged exposure is a cash flow exposure, the effective
portion of the gain or loss on the derivative instrument is reported
initially as a component of other comprehensive income (outside earnings)
and subsequently reclassified into earnings when the forecasted transaction
affects earnings.  Any amounts excluded from the assessment of hedge
effectiveness as well as the ineffective portion of the gain or loss are
reported in earnings immediately.  Accounting for foreign currency hedges is
similar to accounting for fair value and cash flow hedges.  If the
derivative instrument is not designated as a hedge, the gain or loss is
recognized in earnings in the period of change.  SFAS No. 133, as amended,
is effective for fiscal years beginning after June 15, 2000.  This Statement
will not have a material effect on the Company.


                                   PART II

                              OTHER INFORMATION
                              -----------------

ITEM 1.    LEGAL PROCEEDINGS
           -----------------
           Not applicable

ITEM 2.    CHANGES IN SECURITIES AND USE OF PROCEEDS
           -----------------------------------------
           Not applicable

ITEM 3.    DEFAULTS UPON SENIOR SECURITIES
           -------------------------------
           Not applicable

ITEM 4.    SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
           ---------------------------------------------------
           Not applicable

ITEM 5.    OTHER INFORMATION
           -----------------

           Treasury Stock.
           ---------------
           First Federal Bancorp, Inc. announced on November 17, 1999 that
           its Board of Directors has authorized management to purchase up
           to 100,000 shares of its common stock representing approximately
           3.1% of the outstanding shares of the Bancorp.  The Bancorp
           currently anticipates that such purchases will occur over the
           course of the next year.  The shares will be purchased from time-
           to-time in the open market or in privately negotiated
           transactions at the discretion of management.  Cash on hand will
           be used to fund the purchases.

           The Board of Directors determined that the repurchase program
           would be wise to commence in light of the current market for the
           shares of Bancorp and the strong capital position of First
           Federal Savings Bank of Eastern Ohio, its wholly owned
           subsidiary.  The shares purchased will be added to the Bancorp's
           Treasury and used for general corporate purposes, including stock
           options.

ITEM 6.    EXHIBITS AND REPORTS ON FORM 8-K
           --------------------------------

           Exhibit 3.1   The Articles of Incorporation of First Federal
                         Bancorp, Inc. ("Bancorp"), filed as Exhibit 4a(1)
                         to Bancorp's Registration Statement on Form S-8
                         filed with the Securities and Exchange Commission
                         ("SEC") on February 1, 1994 (the "1994 S-8"), are
                         incorporated herein by reference.
           Exhibit 3.2   The Amendment to the Articles of Incorporation of
                         Bancorp, filed as Exhibit 4a(1) to the 1994 S-8, is
                         incorporated herein by reference.
           Exhibit 3.3   The Code of Regulations of Bancorp filed as Exhibit
                         4b to Bancorp's Registration Statement on S-8,
                         filed with the SEC on February 1, 1994, is
                         incorporated herein by reference.
           Exhibit 3.4   The Amendment to the Code of Regulations of Bancorp
                         filed as Exhibit 4b to Bancorp's Registration
                         Statement on S-8, filed with the SEC on February 1,
                         1994, is incorporated herein by reference.
           Exhibit 27    Financial Data Schedule
           Exhibit 99.2  Safe Harbor Under the Private Securities Litigation
                         Reform Act of 1995
           Form 8-K      Filed Form 8-K on December 23, 1999 regarding the
                         dismissal of Crowe, Chizek and Company LLP as
                         certifying accountants and the engagement of Olive
                         LLP to serve as independent public accountants.


                                 SIGNATURES
                                 ----------

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.


Date:  February 11, 2000               By: /s/ J. William Plummer
                                           ----------------------------
                                           J. William Plummer
                                           President


Date:  February 11, 2000               By: /s/ Connie Ayres LaPlante
                                           ----------------------------
                                           Connie Ayres LaPlante
                                           Chief Financial Officer