-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 WA14J2ymprcpzi5CcAb5+jXNYsSgiY6WQndAVlmzKSmk76SjOqjFUcTMjGiiPhUV
 5D+4akgFmkWlQj/7sDyGqQ==

<SEC-DOCUMENT>0000854395-04-000007.txt : 20040202
<SEC-HEADER>0000854395-04-000007.hdr.sgml : 20040202
<ACCEPTANCE-DATETIME>20040202142436
ACCESSION NUMBER:		0000854395-04-000007
CONFORMED SUBMISSION TYPE:	3/A
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040120
FILED AS OF DATE:		20040202

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:			SCHREACKE GREGORY S
		CENTRAL INDEX KEY:			0001278068

	FILING VALUES:
		FORM TYPE:		3/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-18832
		FILM NUMBER:		04558735

	BUSINESS ADDRESS:	
		STREET 1:		C/O FIRST FEDERAL SAVINGS BANK
		STREET 2:		PO BOX 5006
		CITY:			ELIZABETHTOWN
		STATE:			KY
		ZIP:			42702-5006
		BUSINESS PHONE:		2707652131

	MAIL ADDRESS:	
		STREET 1:		C/O FIRST FEDERAL SAVINGS BANK
		STREET 2:		PO BOX 5006
		CITY:			ELIZABETHTOWN
		STATE:			KY
		ZIP:			42702-5006
</SEC-HEADER>
<DOCUMENT>
<TYPE>3/A
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>3/A</documentType>

    <periodOfReport>2004-01-20</periodOfReport>

    <dateOfOriginalSubmission>2004-01-30</dateOfOriginalSubmission>

    <noSecuritiesOwned>0</noSecuritiesOwned>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001278068</rptOwnerCik>
            <rptOwnerName>SCHREACKE GREGORY S</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O FIRST FEDERAL SAVINGS BANK</rptOwnerStreet1>
            <rptOwnerStreet2>PO BOX 5006</rptOwnerStreet2>
            <rptOwnerCity>ELIZABETHTOWN</rptOwnerCity>
            <rptOwnerState>KY</rptOwnerState>
            <rptOwnerZipCode>42702-5006</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Exec. Vice Pres/CFO</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>26.23</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-01-20</value>
            </exerciseDate>
            <expirationDate>
                <value>2014-01-20</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>10000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <ownerSignature>
        <signatureName>Gregory S. Schreacke</signatureName>
        <signatureDate>2004-02-02</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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