SECURITIES AND EXCHANGE
COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): October 22, 2002
FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY
(Exact Name of Registrant as specified in Charter)
Kentucky 0-18832 61-1168311
(State or other (Commission (IRS Employer
jurisdiction of File Number) Identification No.)
incorporation)
2323 Ring Road, Elizabethtown, Kentucky 42701
(Address of principal executive offices) (Zip code)
(270) 765-2131
(Registrant's telephone number, including area code)
N/A
(Former name or former address, if changed since last report.)
INFORMATION TO BE INCLUDED IN THE REPORT
Item 8. Change in Fiscal Year
On October 22, 2002, the Board of Directors of First Federal Financial Corporation of Kentucky ("FFKY") adopted a plan to
convert its wholly owned banking subsidiary, First Federal Savings Bank of Kentucky, from a federal savings bank to a commercial bank
chartered under Kentucky banking laws. The plan of conversion also provides that FFKY would become a bank holding company and will
change its fiscal year from one ending on June 30 to one ending on December 31. FFKY plans to file a report on Form 10-K covering the
six-month transition period ending December 31, 2002.
FFKY's press release of November 19, 2002, announcing the plan to convert the charter of its banking subsidiary, is attached
as Exhibit 99 to this report.
Exhibit 99 - Press Release dated November 19, 2002.
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: November 29, 2002 By /s/ B. Keith Johnson
B. Keith Johnson
President and Chief Executive Officer
Exhibit 99
FIRST FEDERAL SAVINGS BANK
TO CONVERT TO
STATE-CHARTERED COMMERCIAL BANK
ELIZABETHTOWN, Kentucky (November 19, 2002) - First Federal Financial Corporation of Kentucky (NASDAQ: FFKY), the parent company of
First Federal Savings Bank of Elizabethtown, today announced that the Bank has applied to convert from a federal savings bank to a
commercial bank chartered in Kentucky. As part of the proposed conversion, First Federal Financial Corporation will apply to become
a bank holding company regulated by the Federal Reserve. Pending regulatory approval, the conversion is intended to be effective in
early 2003.
Commenting on the announcement, B. Keith Johnson, President and Chief Executive Officer said, "Converting to a commercial bank is a
natural step, reflecting First Federal Savings Bank's strategic direction in recent years to substantially expand the Bank's lending
and deposit products for small businesses. The conversion will not change our focus on providing outstanding service to individual
consumers. Historically, First Federal Savings Bank has been known for meeting the needs of our retail consumers, and we will
continue to do so in the future."
First Federal Financial Corporation of Kentucky is the holding company parent of First Federal Savings Bank of Elizabethtown that was
chartered in 1923. Today the Bank serves Central Kentucky through its 13 full-service banking centers.
MORE
News Release
First Federal Financial Corporation of Kentucky
November 19, 2002
Page 2
First Federal Financial Corporation's stock is traded on the NASDAQ National Market System under the symbol "FFKY." Market makers
for the stock are:
J.J.B. Hilliard, W.L. Lyons Spear, Leeds & Kellog
Knight Securities, LP Stifel Nicholas & Company
Herzog, Heine, Geduld, LLC Keefe, Bruyette & Woods, Inc.
Cincinnati Stock Exchange First Tennessee Securities
Archipelago, LLC The Brut ECN, LLC
AnPac Securities Group, Inc. Island System Corporation
Goldman, Sachs & Company Instinet Corporation
