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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 YwATQhIOolC6fdZ3axFm8A==

<SEC-DOCUMENT>0000854395-04-000017.txt : 20040205
<SEC-HEADER>0000854395-04-000017.hdr.sgml : 20040205
<ACCEPTANCE-DATETIME>20040205152514
ACCESSION NUMBER:		0000854395-04-000017
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031231
FILED AS OF DATE:		20040205

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:			THOMAS MICHAEL L
		CENTRAL INDEX KEY:			0001205161

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-18832
		FILM NUMBER:		04569991

	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>5
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>5</documentType>

    <periodOfReport>2003-12-31</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <form3HoldingsReported>0</form3HoldingsReported>

    <form4TransactionsReported>0</form4TransactionsReported>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001205161</rptOwnerCik>
            <rptOwnerName>THOMAS MICHAEL L</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>FIRST FEDERAL SAVINGS BANK</rptOwnerStreet1>
            <rptOwnerStreet2>2323 RING ROAD</rptOwnerStreet2>
            <rptOwnerCity>ELIZABETHTOWN</rptOwnerCity>
            <rptOwnerState>KY</rptOwnerState>
            <rptOwnerZipCode>42701</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionCoding>
                <transactionFormType></transactionFormType>
            </transactionCoding>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1639.441</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>Michael L. Thomas</signatureName>
        <signatureDate>2004-02-05</signatureDate>
    </ownerSignature>
</ownershipDocument>

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