8-K/A

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D. C. 20549

                                    FORM 8-K
                                 AMENDED REPORT


                     Pursuant to Section 13 or 15 (d) of the
                         Securities Exchange Act of 1934


        Date of Report (Date of earliest event reported): April 20, 1999


                FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY
               (Exact name of registrant as specified in charter)


   Kentucky                       0-18832                   61-1168311
(State or other           (Commission File Number)        (IRS Employer
jurisdiction of                                         Identification No.)
incorporation)


2323 Ring Road, Elizabethtown, Kentucky                        42701
(Address of principal executive offices)                     (Zip Code)


Registrant's telephone number, including area code: (502) 765-2131

                                       N/A
                         (Former name or former address
                         if changed since last report.)



                    INFORMATION TO BE INCLUDED IN THE REPORT

Item 4.  Changes in Registrant's Certifying Accountant

     On April 20, 1999, Whelan, Doerr & Company was dismissed after the Board of
Directors of First Federal Financial  Corporation approved a recommendation made
by the Risk Management Committee to change accountants.

     During the two most recent  fiscal  years and  subsequent  interim  periods
preceding  the  dismissal  there have been no prior  disagreements  with Whelan,
Doerr  &  Company  concerning  accounting  principles  or  practices,  financial
statement disclosure, or auditing scope or procedures. Also, during the past two
fiscal years,  Whelan,  Doerr & Company's report on the financial  statements of
First Federal Financial Corporation contained an unqualified opinion.

     The reason for the change is due to the fact that  Whelan,  Doerr & Company
can no longer  provide  the  services  needed  due to a decrease  in  personnel.
Therefore, based on the Corporation's current size and projected growth plans, a
decision was made to go with a larger regional firm. 

     The new  accounting  firm  appointed  by the  Board of  Directors  of First
Federal Financial Corporation on April 20, 1999 is the accounting firm of Crowe,
Chizek & Company. During the two most recent fiscal years and subsequent interim
periods prior to the appointment of Crowe, Chizek & Company,  there have been no
consultations  with the new accountants  regarding the application of accounting
principles to a specified transaction or the type of audit opinion that might be
rendered on the Corporation's  financial  statements.  Also, the new accountants
have not  provided a written  report or any advice  that they  concluded  was an
important  factor in  reaching  a decision  as to the  accounting,  auditing  or
financial  reporting  issue,  or any  other  matter  that was the  subject  of a
disagreement or reportable event.


Item 7.   Financial Statements, Pro Forma Financial Information and Exhibits.

     (a)  Financial Statements. 

          Not Applicable.

     (b)  Pro Forma Financial Information.

          Not Applicable.

     (c)  Exhibits.

          16-Former Accountant's Letter dated April 30, 1999.


                                    SIGNATURE

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned, thereunto duly authorized.


                                    FIRST FEDERAL FINANCIAL CORPORATION
                                    OF KENTUCKY

Date:  4/29/99                      By:  /s/ B. Keith Johnson
                                         --------------------
                                          B. Keith Johnson
                                          President and Chief Executive Officer

EX-16

April 30, 1999


Securities and Exchange Commission
450 5th Street, N.W.
Washington, D.C.  20549

Dear Sirs:

We have read and  agree  with the  statements  made by First  Federal  Financial
Corporation  in regard to a change in  accountants  and the revised  disclosures
included in the amended Form 8-K.

Sincerely,


Whelan Doerr & Company PSC
Certified Public Accountants