EXHIBIT 99.4
                                                                    ------------


                                 REVOCABLE PROXY

                            CLASSIC BANCSHARES, INC.

                         SPECIAL MEETING OF STOCKHOLDERS
                           TO BE HELD ON JUNE 17, 2003





     The undersigned hereby appoints the Board of Directors of Classic
Bancshares, Inc. (the "Company"), and its survivor, with full power of
substitution, to act as attorneys and proxies for the undersigned to vote all
shares of common stock of the Company which the undersigned is entitled to vote
at the Special Meeting of Stockholders (the "Meeting") to be held on June 17,
2003 at the Classic Bank Annex located at 340 Seventeenth Street, Ashland,
Kentucky, at 10:00 a.m. local time, as follows:

         The approval and adoption of the Agreement and Plan of Merger dated as
         of December 30, 2002, pursuant to which First Federal Financial
         Bancorp, Inc. will merge with and into the Company and each outstanding
         share of common stock of First Federal Financial Bancorp, Inc. will be
         converted into the right to receive, at the election of the holder,
         either shares of common stock of the Company or cash, all on and
         subject to the conditions contained in the Agreement and Plan of
         Merger.



         [ ] FOR                  [ ] AGAINST                [ ] ABSTAIN



     THIS PROXY WILL BE VOTED AS DIRECTED, BUT IF NO INSTRUCTIONS ARE SPECIFIED,
THIS PROXY WILL BE VOTED FOR THE APPROVAL AND ADOPTION OF THE AGREEMENT AND PLAN
OF MERGER. IF ANY OTHER BUSINESS IS PRESENTED AT THE MEETING, THIS PROXY WILL BE
VOTED BY THOSE NAMED IN THIS PROXY IN THEIR BEST JUDGMENT. AT THE PRESENT TIME,
THE BOARD OF DIRECTORS KNOWS OF NO OTHER BUSINESS TO BE PRESENTED AT THE
MEETING.

     THE BOARD OF DIRECTORS RECOMMENDS A VOTE "FOR" THE APPROVAL OF THE
AGREEMENT AND PLAN OF MERGER.


           THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS



     This proxy may be revoked at any time before it is voted. Proxies may be
revoked by: (i) filing with the Secretary of Classic Bancshares, Inc. at or
before the Meeting a written notice of revocation bearing a later date than the
proxy, (ii) duly executing a subsequent proxy relating to the same shares and
delivering it to the Secretary of Classic Bancshares, Inc. at or before the
Meeting, or (iii) attending the Meeting in person and voting by written ballot
(although attendance at the Meeting will not in and of itself constitute
revocation of a proxy).

     The undersigned acknowledges receipt from the Company, prior to the
execution of this proxy, of a Notice of Special Meeting and the Joint Proxy
Statement/Prospectus dated May 16, 2003.

     Please sign exactly as your name(s) appear(s) on this proxy card. When
signing as attorney, executor, administrator, trustee or guardian, please give
your full title. If shares are held jointly, each holder should sign.



                                       Date:
                                             ---------------------------------




                                             ---------------------------------
                                              Stockholder sign above



                                             ---------------------------------
                                              Co-holder (if any) sign above


         PLEASE COMPLETE, DATE, SIGN AND MAIL THIS PROXY PROMPTLY IN THE
                         ENCLOSED POSTAGE-PAID ENVELOPE