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): 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,  the Board of  Directors  of First  Federal  Financial
Corporation  approved a recommendation made by the Risk Management  Committee to
change accountants.

     There  had  been no  prior  disagreements  with  Whelan,  Doerr  &  Company
concerning accounting  principles or practices,  financial statement disclosure,
or auditing  scope or  procedures.  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.

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 26, 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:  4/23/99                      By:  /s/ B. Keith Johnson
                                         --------------------
                                          B. Keith Johnson
                                          President and Chief Executive Officer