-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 SuFTONGGIK61ppgZDw6+ynalhJ/LPTto+o3YpdRoM5HvkxUr7hDZBU2/xGqucbiw
 Txw9JEEf8GBzZ2pWnSyBiQ==

<SEC-DOCUMENT>0000854395-03-000008.txt : 20030708
<SEC-HEADER>0000854395-03-000008.hdr.sgml : 20030708
<ACCEPTANCE-DATETIME>20030708150103
ACCESSION NUMBER:		0000854395-03-000008
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030703
FILED AS OF DATE:		20030708

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY
		CENTRAL INDEX KEY:			0000854395
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				611168311
		STATE OF INCORPORATION:			KY
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		2323 RING ROAD
		CITY:			ELIZABETHTOWN
		STATE:			KY
		ZIP:			42701
		BUSINESS PHONE:		2707652131

	MAIL ADDRESS:	
		STREET 1:		2323 RING ROAD
		CITY:			ELIZABETHTOWN
		STATE:			KY
		ZIP:			42701

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			CHANEY CHARLES E
		CENTRAL INDEX KEY:			0001205172

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-18832
		FILM NUMBER:		03778455

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 5006
		CITY:			ELIZABETHTOWN
		STATE:			KY
		ZIP:			42702-5006
		BUSINESS PHONE:		2707652131

	MAIL ADDRESS:	
		STREET 1:		FIRST FEDERAL SAVINGS BANK
		STREET 2:		2323 RING ROAD
		CITY:			ELIZABETHTOWN
		STATE:			KY
		ZIP:			42701
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>

<ownershipDocument>

    <documentType>4</documentType>

    <periodOfReport>2003-07-03</periodOfReport>


    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000854395</issuerCik>
        <issuerName>FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY</issuerName>
        <issuerTradingSymbol>ffky</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001205172</rptOwnerCik>
            <rptOwnerName>CHANEY CHARLES E</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Chief Operating Officer</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>Common Stock</value>
        </securityTitle>
        <transactionDate>
            <value>2003-07-03</value>
        </transactionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>M</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>7700</value>
            </transactionShares>
            <transactionValue>
                <value>21.542</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>A</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>19212</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>Common Stock</value>
        </securityTitle>
        <transactionDate>
            <value>2003-07-03</value>
        </transactionDate>
        <transactionCoding>
            <transactionFormType>4</transactionFormType>
            <transactionCode>F</transactionCode>
            <equitySwapInvolved>0</equitySwapInvolved>
        </transactionCoding>
        <transactionTimeliness>
            <value></value>
        </transactionTimeliness>
        <transactionAmounts>
            <transactionShares>
                <value>5108</value>
            </transactionShares>
            <transactionValue>
                <value>32.47</value>
            </transactionValue>
            <transactionAcquiredDisposedCode>
                <value>D</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <postTransactionAmounts>
            <sharesOwnedFollowingTransaction>
                <value>14104</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>


    <ownerSignature>
        <signatureName>Charles Chaney</signatureName>
        <signatureDate>2003-07-08</signatureDate>
    </ownerSignature>

</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----