EXHIBIT 99.1
                             CERTIFICATE PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


     In connection  with the Quarterly  Report on Form 10-QSB of Kentucky  First
Bancorp,  Inc.  (the  "Company")  as filed  with  the  Securities  and  Exchange
Commission on November 14, 2002 (the "Report"),  I, hereby certify,  pursuant to
18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
Act  of  2002  that,  to my  knowledge,  the  Report  fully  complies  with  the
requirements  of Section 13(a) or 15(d) of the  Securities  Exchange Act of 1934
and the  information  contained in the Report fairly  presents,  in all material
respects, the financial condition and results of operations of the Company




                               By:/s/ Betty J. Long
                                  ---------------------------------------------
                                  Name:  Betty J. Long
                                  Title:  Chief Executive Officer



Date: November 14, 2002





                             CERTIFICATE PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


     In connection  with the Quarterly  Report on Form 10-QSB of Kentucky  First
Bancorp,  Inc.  (the  "Company")  as filed  with  the  Securities  and  Exchange
Commission on November 14, 2002 (the "Report"),  I, hereby certify,  pursuant to
18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
Act  of  2002  that,  to my  knowledge,  the  Report  fully  complies  with  the
requirements  of Section 13(a) or 15(d) of the  Securities  Exchange Act of 1934
and the  information  contained in the Report fairly  presents,  in all material
respects, the financial condition and results of operations of the Company






                               By:/s/ Robbie Cox
                                  ---------------------------------------------
                                  Name:  Robbie Cox
                                  Title:  Chief Financial Officer/Vice President

Date: November 14, 2002