<ARTICLE> 9 <CIK> 0000946738 <NAME> Harrodsburg First Financial Bancorp, Inc. <MULTIPLIER> 1,000 <CURRENCY> U.S. Dollars <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-START> OCT-01-1999 <PERIOD-END> JUN-30-1999 <EXCHANGE-RATE> 1.000 <CASH> 658 <INT-BEARING-DEPOSITS> 10,432 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 4,471 <INVESTMENTS-CARRYING> 6,706 <INVESTMENTS-MARKET> 6,656 <LOANS> 87,974 <ALLOWANCE> 345 <TOTAL-ASSETS> 111,585 <DEPOSITS> 82,844 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,858 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 218 <OTHER-SE> 26,665 <TOTAL-LIABILITIES-AND-EQUITY> 111,585 <INTEREST-LOAN> 5,062 <INTEREST-INVEST> 427 <INTEREST-OTHER> 324 <INTEREST-TOTAL> 5,813 <INTEREST-DEPOSIT> 2,862 <INTEREST-EXPENSE> 2,862 <INTEREST-INCOME-NET> 2,951 <LOAN-LOSSES> 10 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,303 <INCOME-PRETAX> 1,722 <INCOME-PRE-EXTRAORDINARY> 1,722 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,136 <EPS-BASIC> 0.69 <EPS-DILUTED> 0.69 <YIELD-ACTUAL> 3.6 <LOANS-NON> 0 <LOANS-PAST> 389 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 335 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 345 <ALLOWANCE-DOMESTIC> 345 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0