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                    INFORMATION REQUIRED IN PROXY STATEMENT
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                FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY
                -----------------------------------------------
                (Name of Registrant as Specified in Its Charter)

                                 Not Applicable
                -----------------------------------------------
    (Name of Person(s) Filing Proxy Statement, if Other Than the Registrant)

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October 26, 1998



Dear Fellow Stockholders:

We have  previously  mailed to you proxy  materials  relating  to First  Federal
Financial Corporation of Kentucky's Annual Meeting of Stockholders to be held on
November 11, 1998.

According to our latest records, we have not received you proxy card. Regardless
of the number of shares you own, it is important  that they are  represented  at
the meeting.  If you have not previously  mailed your proxy card,  please take a
moment to sign, date, and mail the enclosed duplicate proxy card promptly in the
return envelope provided for your  convenience.  Should you require another copy
of the proxy  statement,  please call Rebecca Bowling,  First Federal  Financial
Corporation of Kentucky at (502) 765-2131.

If you have already  mailed your proxy card,  please  disregard  this letter and
accept our thanks.

Sincerely,



B. KEITH JOHNSON
President







October 28, 1998



Dear Shareholder,

This year,  shareholders of First Federal Financial  Corporation of Kentucky are
receiving more  information  about First Federal's  upcoming annual meeting than
they have received for any annual  meeting in recent  years.  Since you may find
all this information  confusing, I am writing on behalf of First Federal's Board
of  Directors  to make  sure  there  is no  misunderstanding  as to the  Board's
recommendation to shareholders.

The 1998 Annual  Meeting  will be held at First  Federal's  offices at 2323 Ring
Road,  Elizabethtown,  Kentucky on  Wednesday,  November 11, 1998 at 5:00 p.m. A
proxy statement, proxy card, and First Federal's 1998 Annual Report were sent to
you in early October. We hope you can attend.

The Board has  nominated  Robert M. Brown,  J. Stephen  Mouser,  Burlyn Pike, J.
Alton Rider and Michael L. Thomas for  election as  directors at the 1998 Annual
Meeting.  Mr.  Mouser and Dr. Thomas are new directors who have joined the Board
since our 1997 Annual Meeting. The other three nominees have served at least one
prior term on the Board. Additional information about the board's five nominees,
their business backgrounds, and experience can be found in the proxy statement.

The Board is pleased with First  Federal's  performance  for the year ended June
30, 1998. Core earnings per share increased from $1.39 to $1.53, a 10% increase.
Return on assets and return on equity also increased.  We increased the dividend
on the  common  stock by 7%. You can find this and other  financial  information
about First Federal in the Annual Report.

Since January 1, 1998, the trading price of First Federal stock has increased by
12% to $25.50 as of October 27, 1998.  This is  comparable to or better than the
stock price  performance of many other publicly  traded banking  institutions in
our region.

In July, First Federal purchased three banking centers servicing over 53% of the
deposit market share in Meade County.  This is a good example of how maintaining
a  strong   capital  base  has  enabled  First  Federal  to  take  advantage  of
opportunities to increase shareholder value.

The Board of Directors believes the five nominees have done a good job for First
Federal  shareholders.  We recommend that you vote "FOR" these five nominees. We
ask that you  complete,  sign and  return the WHITE  proxy  card you  previously
received with your proxy statement and Annual Report.  An extra copy of both the
WHITE proxy card and a return envelope are enclosed for your convenience.



October 28, 1998 Page Two


You may  already  have  received a package of  solicitation  materials  from Mr.
Dennis Young,  a shareholder  who has been nominated by his wife for election to
the Board.  Mr. Young was NOT nominated by the Board of Directors.  Mr. Young is
distributing a BLUE proxy card to First Federal shareholders and intends to vote
all of the shares of any  shareholder  who  returns the BLUE proxy card only for
himself in the election of directors. 

If you have previously  returned your WHITE proxy card, we thank you. You may do
nothing further and your shares will be voted for the Board's nominees.

If you have  already  returned  the BLUE proxy card,  you can still vote for the
Board's  nominees by completing  the enclosed  WHITE proxy card and returning it
immediately  in the envelope  provided.  You may also revoke a proxy and vote in
person at the Annual Meeting.

If you own your  shares  through a broker and haven't  voted,  or if you wish to
change your vote to vote for the Board's  nominees,  please  contact your broker
immediately  for  instructions.  You must complete a proxy form provided by your
broker to vote shares held in a brokerage account.

Your vote is  important.  The last proxy  card you  submit  will be the one that
counts.

Please sign and return a WHITE proxy card, even if you plan to attend the Annual
Meeting and to vote in person for the Board's nominees.  This way you can insure
that your  shares are voted for the Board's  nominees  if you cannot  attend the
Annual Meeting.

If you have any questions at all about the Annual Meeting or voting your shares,
please feel free to call either me or Rebecca Bowling,  our Corporate Secretary,
at (502) 765-2131.

Sincerely,



B. KEITH JOHNSON
President & C.E.O.