Document:

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             EXHIBIT 10.2: FORM OF RESTRICTED STOCK AWARD AGREEMENT

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<TABLE>
<CAPTION>
                                     FORM OF
                        RESTRICTED STOCK AWARD AGREEMENT
        FOR THE KENTUCKY FIRST FEDERAL BANCORP 2005 EQUITY INCENTIVE PLAN

This Award Agreement is provided to _______________ (the "Participant") by
Kentucky First Federal Bancorp (the "Company") as of ___________, the date the [
______ COMMITTEE] (the "Committee") awarded the Participant restricted stock
award pursuant to the Kentucky First Federal Bancorp 2005 Equity Incentive Plan
(the "2005 Plan"), subject to the terms and conditions of the 2005 Plan and this
Award Agreement:
      <S>      <C>                                  <C>
      1.       NUMBER OF SHARES SUBJECT
               TO YOUR RESTRICTED STOCK AWARD:      _________  shares of Common Stock  ("Shares"),
                                                    subject to  adjustment as may be necessary
                                                    pursuant to Article 11 of the 2005 Plan.

      2.       GRANT DATE:                          _________
</TABLE>

Unless sooner vested in accordance with Section 3 of the Terms and Conditions
(attached hereto) or otherwise in the discretion of the Committee, the
restrictions imposed under Section 2 of the Terms and Conditions will expire as
to the following percentage of the Shares awarded hereunder, on the following
respective dates; provided that Participant is then still employed by or in
service with the Company or any of its subsidiaries:

          Percentage of           Number of Shares
          Shares Vesting             Vesting               Vesting Date
              _____                   _____                  _____
              _____                   _____                  _____
              _____                   _____                  _____
              _____                   _____                  _____
              _____                   _____                  _____

         IN WITNESS WHEREOF, Kentucky First Federal Bancorp, acting by and
through the [ _______ COMMITTEE] of the Board of Directors of the Company, has
caused this Award Agreement to be executed as of the Grant Date, set forth
above.

                                       KENTUCKY FIRST FEDERAL BANCORP

                                       By:
                                          --------------------------------------
                                          On behalf of the [ ______ ]  Committee

ACCEPTED BY PARTICIPANT:

--------------------------------
[Name]

--------------------------------
Date

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TERMS AND CONDITIONS

1.       GRANT OF SHARES. The Grant Date and number of Shares underlying your
         Restricted Stock Award are stated on page 1 of this Award Agreement.
         Capitalized terms used herein and not otherwise defined shall have the
         meanings assigned to such terms in the 2005 Plan.

2.       RESTRICTIONS. The unvested Shares underlying your Restricted Stock
         Award are subject to the following restrictions ("Restricted Shares")
         until they expire or terminate.

         (a) Restricted Shares may not be sold, transferred, exchanged,
             assigned, pledged, hypothecated or otherwise encumbered.

         (b) If your Participant's employment or service with the Company or
             any Affiliate terminates for any reason other than as set forth in
             paragraph (b) of Section 3 hereof, then you will forfeit all of
             your rights, title and interest in and to the Restricted Shares as
             of the date of termination, and the Restricted Shares shall revert
             to the Company under the terms of the 2005 Plan.

         (c) Restricted Shares are subject to the vesting schedule set forth
             on page 1 of this Award Agreement.

3.       EXPIRATION AND TERMINATION OF RESTRICTIONS. The restrictions imposed
         under Section 2 will expire on the earliest to occur of the following
         (the period prior to such expiration being referred to herein as the
         "Restricted Period"):

         (a) As to the percentages of the Shares specified in the vesting
             schedule on page 1 of this Award Agreement, on the respective dates
             specified in the vesting schedule on page 1; provided you are then
             still employed by or in service of the Company or an Affiliate; or
         (b) Upon termination of your employment by reason of death or
             Disability; or

         (c) Upon a change in control.

4.       DELIVERY OF SHARES. Once the Shares are vested (SEE VESTING SCHEDULE ON
         PAGE 1), the Shares (and accumulated dividends and earnings, if any)
         will be distributed in accordance with your instructions.

5.       VOTING AND DIVIDEND RIGHTS. As beneficial owner of the Shares, you have
         full voting and dividend rights with respect to the Shares during and
         after the Restricted Period. If you forfeit any rights you may have
         under this Award Agreement in accordance with Section 2, you will no
         longer have any rights as a shareholder with respect to the Restricted
         Shares or any interest therein and you will no longer be entitled to
         receive dividends on such Shares.

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6.       CHANGES IN CAPITAL STRUCTURE. In the event of a corporate event or
         transaction involving the Company (including, without limitation, any
         stock dividend, stock split, extraordinary cash dividend,
         recapitalization, reorganization, merger, consolidation, split-up,
         spin-off, combination or exchange of shares), the Committee may adjust
         this award to preserve the benefits or potential benefits of this
         award. Without limiting the foregoing, in the event of a subdivision of
         the outstanding Stock (stock-split), a declaration of a dividend
         payable in Stock, or a combination or consolidation of the outstanding
         Stock into a lesser number of Shares, the Shares then subject to this
         Award Agreement will automatically be adjusted proportionately.

7.       NO RIGHT OF CONTINUED EMPLOYMENT. Nothing in this Award Agreement will
         interfere with or limit in any way the right of the Company or any
         Affiliate to terminate your employment or service at any time, nor
         confer upon a you any right to continue in the employ or service of the
         Company or any Affiliate.

8.       PAYMENT OF TAXES. You may make an election to be taxed upon your
         Restricted Stock Award under Section 83(b) of the Code within 30 days
         of the Grant Date. If you do not make an 83(b) Election, upon vesting
         of the Restricted Stock Award the Committee is entitled to require as a
         condition of delivery: (i) that the you remit an amount sufficient to
         satisfy any and all federal, state and local (if any) tax withholding
         requirements and employment taxes (I.E., FICA and FUTA), (ii) that the
         withholding of such sums come from compensation otherwise due to you or
         from Shares due to you under the 2005 Plan, or (iii) any combination of
         the foregoing. Any withholding shall comply with Rule 16b-3 or any
         amendments or successive rule. OUTSIDE DIRECTORS OF THE COMPANY ARE
         SELF-EMPLOYED AND NOT SUBJECT TO TAX WITHHOLDING.

9.       PLAN CONTROLS. The terms contained in the 2005 Plan are incorporated
         into and made a part of this Award Agreement and this Award Agreement
         shall be governed by and construed in accordance with the 2005 Plan. In
         the event of any actual or alleged conflict between the provisions of
         the Plan and the provisions of this Agreement, the provisions of the
         Plan shall be controlling and determinative.

10.      SEVERABILITY. If any one or more of the provisions contained in this
         Agreement is deemed to be invalid, illegal or unenforceable, the other
         provisions of this Agreement will be construed and enforced as if the
         invalid, illegal or unenforceable provision had never been included.

11.      NOTICE. Notices and communications under this Agreement must be in
         writing and either personally delivered or sent by registered or
         certified United States mail, return receipt requested, postage
         prepaid. Notices to the Company must be addressed to:

                           Kentucky First Federal Bancorp
                           479 Main Street
                           Hazard, Kentucky 41702
                           Attn:   [_____ COMMITTEE]

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         or any other address designated by the Company in a written notice to
         you. Notices to you will be directed to your address as then currently
         on file with the Company, or at any other address given by that you
         provide in a written notice to the Company.

12.      SUCCESSORS. This Award Agreement shall be binding upon any successor of
         the Company, in accordance with the terms of this Award Agreement and
         the 2005 Plan.

                                       14<PAGE> 1

          EXHIBIT 10.3: FORM OF INCENTIVE STOCK OPTION AWARD AGREEMENT

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<TABLE>
<CAPTION>

                                     FORM OF
                     INCENTIVE STOCK OPTION AWARD AGREEMENT
        FOR THE KENTUCKY FIRST FEDERAL BANCORP 2005 EQUITY INCENTIVE PLAN

This Award Agreement is provided to ________________ (the "Participant") by
Kentucky First Federal Bancorp (the "Company") as of _________, the date the [
______ COMMITTEE] (the "Committee") granted the Participant the right and option
to purchase Shares pursuant to the Kentucky First Federal Bancorp 2005 Equity
Incentive Plan (the "2005 Plan"), subject to the terms and conditions of the
2005 Plan and this Award Agreement:
      <S>      <C>                                <C>
      1.       OPTION GRANT:                      You have been granted an INCENTIVE  STOCK  OPTION
                                                  (referred to in this  Agreement as your "Option").
      2.       NUMBER OF SHARES
               SUBJECT TO YOUR OPTION:            ___________  shares of Common Stock  ("Shares"),
                                                  subject to  adjustment as may be necessary pursuant to
                                                  Article 11 of the 2005 Plan.

      3.       GRANT DATE:                        ___________

      4.       EXERCISE PRICE:                    You may purchase Shares covered by your Option at a
                                                  price of $_______ per share.
</TABLE>

<TABLE>
<CAPTION>

         Unless sooner vested in accordance with Section 2 of the Terms and
Conditions (attached hereto) or otherwise in the discretion of the Committee,
the Options shall vest (become exercisable) in accordance with the following
schedule:

      Continuous Status              Percentage of
      as a Participant              Option Vested/         Number of Shares
      after Grant Date             Number of Shares      Available for Exercise   Vesting Date
      ----------------             ----------------      ----------------------   ------------
      <S>                              <C>                      <C>                  <C>
      Less than 1 year                 _____                    _____                ______
           1 year                      _____                    _____                ______
           2 years                     _____                    _____                ______
           3 years                     _____                    _____                ______
           4 years                     _____                    _____                ______
           5 years                     _____                    _____                ______
</TABLE>

         IN WITNESS WHEREOF, Kentucky First Federal Bancorp, acting by and
through the [ _____ COMMITTEE] of the Board of Directors of the Company, has
caused this Award Agreement to be executed as of the Grant Date, set forth
above.

                                        KENTUCKY FIRST FEDERAL BANCORP

ACCEPTED BY PARTICIPANT:                By:
                                           -------------------------------------
                                           On behalf of the [ _____] Committee

---------------------
[Name]

---------------------
Date

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TERMS AND CONDITIONS

1.       GRANT OF OPTION. The Grant Date, Exercise Price and number of Shares
         subject to your Option are stated on page 1 of this Award Agreement.
         Capitalized terms used herein and not otherwise defined shall have the
         meanings assigned to such terms in the 2005 Plan. The Company intends
         this grant to qualify as an Incentive Stock Option under Section 422 of
         the Internal Revenue Code of 1986, as amended.

2.       VESTING OF OPTIONS. The Option shall vest (become exercisable) in
         accordance with the vesting schedule shown on page 1 of this Award
         Agreement. Notwithstanding the vesting schedule on page 1, the Option
         will also vest and become exercisable:

         (a)    Upon your death or Disability during your Continuous Status as a
                Participant; or

         (b)    Upon a Change in Control.

3.       TERM OF OPTIONS AND LIMITATIONS ON RIGHT TO EXERCISE. The term of the
         Option will be for a period of ten (10) years, expiring at 5:00 p.m.,
         Eastern Time, on the tenth anniversary of the Grant Date (the
         "Expiration Date"). To the extent not previously exercised, the vested
         portion of your Option will lapse prior to the Expiration Date upon the
         earliest to occur of the following circumstances:

         (a)      Three (3) months after the termination of your Continuous
                  Status as a Participant for any reason other than by reason of
                  your death or Disability.

         (b)      Twelve (12) months after termination of your Continuous Status
                  as a Participant by reason of Disability.

         (c)      Twelve (12) months after the date of your death, if you die
                  while employed, or during the three-month period described in
                  subsection (a) above or during the twelve-month period
                  described in subsection (b) above and before the Option would
                  otherwise lapse. Upon your death, your beneficiary (designated
                  pursuant to the terms of the 2005 Plan) may exercise your
                  Option.

         (d)      At the end of the remaining original term of the Option, if
                  your employment is involuntarily or constructively terminated
                  within twelve (12) months of a Change in Control. Options
                  exercised after three (3) months from your termination date
                  will be treated as Non-Statutory Stock Options for tax
                  purposes.

         The Committee may, prior to the lapse of your Option under the
         circumstances described in paragraphs (a), (b), (c) or (d) above,
         extend the time to exercise your Option as determined by the Committee
         in writing and subject to federal regulations. If you return to
         employment with the Company during the designated post-termination
         exercise period, then you will be restored to the status as a
         Participant that you held prior to termination, but no vesting credit
         will be earned for any period you were not in Continuous Status as a
         Participant. If you or your beneficiary exercises an Option after your
         termination of

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         service, the Option may be exercised only with respect to the Shares
         that were otherwise vested on the date of your termination of service.

4.       EXERCISE OF OPTION. You may exercise your Option by providing:

         (a)    a written notice of intent to exercise to [NAME] at the address
                and in the form specified by the [ _______ COMMITTEE] of the
                Board of Directors of the Company from time to time; and

         (b)    payment to the Company in full for the Shares subject to such
                exercise (unless the exercise is a cash-less exercise. Payment
                for such Shares can be made in cash, Company common stock
                ("stock swap"), a combination of cash and Company common stock
                or a "cash-less exercise" (if permitted by the Committee).

5.              BENEFICIARY DESIGNATION. You may, in the manner determined by
                the Committee, designate a beneficiary to exercise your rights
                hereunder and to receive any distribution with respect to this
                Option upon your death. A beneficiary, legal guardian, legal
                representative, or other person claiming any rights hereunder is
                subject to all terms and conditions of this Award Agreement and
                the 2005 Plan, and to any additional restrictions deemed
                necessary or appropriate by the Committee. If you have not
                designated a beneficiary or none survives you, the Option may be
                exercised by the legal representative of your estate, and
                payment will be made to your estate. Subject to the foregoing,
                you may change or revoke a beneficiary designation at any time,
                provided the change or revocation is filed with the Company.

6.              WITHHOLDING.

                (A)  EXERCISE OF INCENTIVE
                     STOCK OPTION:
                                            Under this Award Agreement, there
                                            are no regular federal or state
                                            income or employment tax liabilities
                                            upon the exercise of an Incentive
                                            Stock Option (SEE INCENTIVE STOCK
                                            OPTION HOLDING PERIOD), although the
                                            excess, if any, of the Fair Market
                                            Value of the shares of Common Stock
                                            on the date of exercise over the
                                            Exercise Price will be treated as
                                            income for alternative minimum tax
                                            ("AMT") purposes and may subject you
                                            to AMT in the year of exercise.
                                            Please check with your tax advisor.

                (B)    DISQUALIFYING DISPOSITION:

                                            In the event of a disqualifying
                                            disposition (described below), you
                                            may be required to pay Kentucky
                                            First Federal Bancorp or its
                                            Affiliates (based on the federal and
                                            state regulations in place at the
                                            time of exercise) an amount

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                                            sufficient to satisfy all federal,
                                            state and local tax withholding.

                (C)    INCENTIVE STOCK OPTION
                       HOLDING PERIOD:
                                            In order to receive Incentive Stock
                                            Option tax treatment under Section
                                            422 of the Code, you may not dispose
                                            of Shares acquired under an
                                            Incentive Stock Option Award (i) for
                                            two (2) years from the Date of Grant
                                            and (ii) for one (1) year after the
                                            date you exercise your Incentive
                                            Stock Option. YOU MUST NOTIFY THE
                                            COMPANY WITHIN TEN (10) DAYS OF AN
                                            EARLY DISPOSITION OF COMMON STOCK
                                            (I.E., A "DISQUALIFYING
                                            DISPOSITION").

7.       LIMITATION OF RIGHTS. This Option does not confer on you or your
         beneficiary designated pursuant to Paragraph 5 any rights of a
         shareholder of the Company unless and until Shares are in fact issued
         in connection with the exercise of the Option. Nothing in this Award
         Agreement shall interfere with or limit in any way the right of the
         Company or any Affiliate to terminate your service at any time, nor
         confer upon you any right to continue in the service of the Company or
         any Affiliate.

8.       STOCK RESERVE. The Company shall, at all times during the term of this
         Award Agreement, reserve and keep available a sufficient number of
         Shares to satisfy the requirements of this Award Agreement.

9.       RESTRICTIONS ON TRANSFER AND PLEDGE. You may not pledge, encumber, or
         hypothecate your right or interest in this Option to or in favor of any
         party other than the Company or an Affiliate, and the Option shall not
         be subject to any lien, obligation, or liability of the Participant to
         any other party other than the Company or an Affiliate. You may not
         assign or transfer the Option other than by will or the laws of descent
         and distribution or pursuant to a domestic relations order that would
         satisfy Section 414(p)(1)(A) of the Code, if such Section applied to an
         Option under the 2005 Plan; provided, however, that the Committee may
         (but need not) permit other transfers. Only you or a permitted
         transferee may exercise the Option during your lifetime.

10.      PLAN CONTROLS. The terms contained in the 2005 Plan are incorporated
         into and made a part of this Award Agreement and this Award Agreement
         shall be governed by and construed in accordance with the 2005 Plan. In
         the event of any actual or alleged conflict between the provisions of
         the 2005 Plan and the provisions of this Award Agreement, the
         provisions of the 2005 Plan shall be controlling and determinative.

11.      SUCCESSORS. This Award Agreement shall be binding upon any successor of
         the Company, in accordance with the terms of this Award Agreement and
         the 2005 Plan.

12.      SEVERABILITY. If any one or more of the provisions contained in this
         Award Agreement is invalid, illegal or unenforceable, the other
         provisions of this Award Agreement will be

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         construed and enforced as if the invalid, illegal or unenforceable
         provision had never been included.

13.      NOTICE. Notices and communications under this Award Agreement must be
         in writing and either personally delivered or sent by registered or
         certified United States mail, return receipt requested, postage
         prepaid. Notices to the Company must be addressed to:

                           Kentucky First Federal Bancorp
                           479 Main Street
                           Hazard, Kentucky 41702
                           Attn:   [ ____ COMMITTEE]

         or any other address designated by the Company in a written notice to
         the Participant. Notices to you will be directed to your address, then
         currently on file with the Company, or at any other address that you
         provide in a written notice to the Company.

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