EXHIBIT 99.6
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                      [CLASSIC BANCSHARES, INC. LETTERHEAD]


To the Holders of First Federal Financial Bancorp, Inc. Common Stock:

     In connection with the merger of First Federal Financial Bancorp, Inc.
("First Federal") with and into Classic Bancshares, Inc. ("Classic"), we are
pleased to offer you the opportunity to indicate whether you prefer to receive
shares of Classic common stock, cash or a combination of Classic common stock
and cash in exchange for your shares of First Federal common stock. This
election will be effective only upon the consummation of the merger, which is
subject to the satisfaction of several conditions, including the approval of the
two companies' stockholders. A complete description of the merger and of the
election and proration procedures is included in the joint proxy
statement/prospectus, dated May 16, 2003, of Classic and First Federal.

     Enclosed is an Election Form and Letter of Transmittal which you must
complete, sign and return with all of your First Federal stock certificates to
our exchange agent, American Stock Transfer & Trust Company, in order to make an
election. Please use the YELLOW envelope enclosed herewith to return your
Election Form and Letter of Transmittal and your stock certificates.

     FOR YOUR ELECTION TO BE EFFECTIVE, THE EXCHANGE AGENT MUST RECEIVE YOUR
ELECTION FORM AND LETTER OF TRANSMITTAL, TOGETHER WITH YOUR FIRST FEDERAL STOCK
CERTIFICATES, NO LATER THAN 5:00 P.M., EASTERN TIME, ON JUNE 16, 2003. Please
follow the instructions on the Election Form and Letter of Transmittal
carefully. If your First Federal stock certificates are not immediately
available or time will not permit the Election Form and Letter of Transmittal to
be delivered to the exchange agent prior to the election deadline, you may make
an election if you submit the Notice of Guaranteed Delivery included in this
package and follow the instructions in that document. If you need assistance,
please call the exchange agent toll free at (800) 937-5449.

     If you do not make an election, the exchange agent will send you additional
forms for the surrender of your First Federal stock certificates after
consummation of the merger, and you will receive Classic common stock or cash in
exchange for your shares pursuant to the agreed-upon allocation procedures
described in the joint proxy statement/prospectus of Classic and First Federal.

     Pursuant to the terms of the merger agreement, 50% of the outstanding
shares of First Federal will be exchanged for Classic common stock and 50% of
the outstanding shares of First Federal will be exchanged for cash. Since it is
unlikely that elections will be made exactly in these proportions, the merger
agreement describes allocation and proration procedures to be followed if First
Federal stockholders elect to receive more or less of the Classic common stock
than Classic has agreed to issue.

     Your submission of an Election Form and Letter of Transmittal does NOT
constitute a vote on the merger. In order to vote your First Federal shares, you
must sign, date and return the proxy card included with the joint proxy
statement/prospectus or attend First Federal's Special Meeting and vote in
person.

     To those of you who elect to receive Classic common stock in the merger, we
look forward to having you as stockholders of Classic.

                                          Very truly yours,



                                          David B. Barbour
                                          President and Chief Executive Officer
                                          Classic Bancshares, Inc.