UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                     FORM 15

   CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g)
  OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS
       UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

                           COMMISSION FILE NO. 0-25478

                          FRANKFORT FIRST BANCORP, INC.
             (Exact name of registrant as specified in its charter)

             216 W. MAIN STREET, FRANKFORT, KENTUCKY, (502) 223-1638
    (Address, including zip code, and telephone number, including area code,
                  of registrant's principal executive offices)

                          COMMON STOCK, PAR VALUE $0.01
            (Title of each class of securities covered by this Form)

                                      NONE
   (Titles of all other classes of securities for which a duty to file reports
                     under section 13(a) or 15(d) remains)

         Please place an X in the box(es) to designate the appropriate rule
provision(s) relied upon to terminate or suspend the duty to file reports:

            Rule 12g-4(a)(1)(i)     [X]       Rule 12h-3(b)(1)(i)   [ ]
            Rule 12g-4(a)(1)(ii)    [ ]       Rule 12h-3(b)(1)(ii)  [ ]
            Rule 12g-4(a)(2)(i)     [ ]       Rule 12h-3(b)(2)(i)   [ ]
            Rule 12g-4(a)(2)(ii)    [ ]       Rule 12h-3(b)(2)(ii)  [ ]
                                              Rule 15d-6            [ ]

        Approximate number of holders of record as of the certification or
notice date: 1

        Pursuant to the requirements of the Securities Exchange Act of 1934,
Frankfort First Bancorp, Inc. has caused this certification/notice to be signed
on its behalf by the undersigned duly authorized person.


DATE:  March 3, 2005                     By: /s/ Don D. Jennings
                                             -----------------------------------
                                             Don D. Jennings
                                             President