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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT
TO RULES 13d-1(b)(c), AND (d) AND AMENDMENTS THERETO FILED
PURSUANT TO RULE 13d-2(b)
(Amendment No. 3)
FIRST FEDERAL FINANCIAL BANCORP, INC.
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(Name of Issuer)
COMMON STOCK, PAR VALUE $.01 PER SHARE
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(Title of Class of Securities)
319988 10 1
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(CUSIP Number)
DECEMBER 31, 1999
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(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this
Schedule is filed:
/X/ Rule 13d-1(b)
Page 1 of 6 Pages
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CUSIP NO. 319988 10 1 Page 2 of 6 Pages
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(1) Names of Reporting Persons.
I.R.S. Identification Nos. of above persons (entities only).
First Federal Financial Bancorp, Inc. Employee Stock Ownership Plan
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(2) Check the Appropriate Box if a Member (a) / /
of a Group (See Instructions) (b) / /
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(3) SEC Use Only
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(4) Citizenship or Place of Organization
Ohio
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Number of Shares (5) Sole Voting Power
Beneficially 36,559
Owned by --------------------------------------------------
Each Reporting (6) Shared Voting Power
Person With: 14,588
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(7) Sole Dispositive Power
36,559
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(8) Shared Dispositive Power
14,588
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(9) Aggregate Amount Beneficially Owned by Each Reporting Person
51,147
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(10) Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See
Instructions) / /
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(11) Percent of Class Represented by Amount in Row (9)
9.3%
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(12) Type of Reporting Person (See Instructions)
EP
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CUSIP NO. 319988 10 1 Page 3 of 6 Pages
ITEM 1(a) NAME OF ISSUER:
First Federal Financial Bancorp, Inc.
ITEM 1(b) ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:
415 Center Street
Ironton, Ohio 45638
ITEM 2(a) NAME OF PERSON FILING:
First Federal Financial Bancorp, Inc. Employee Stock Ownership
Plan.
ITEM 2(b) ADDRESS OF PRINCIPAL BUSINESS OFFICE OR, IF NONE, RESIDENCE:
First Federal Financial Bancorp, Inc.
415 Center Street
Ironton, Ohio 45638
ITEM 2(c) CITIZENSHIP:
Ohio
ITEM 2(d) TITLE OF CLASS OF SECURITIES:
Common Stock, par value $.01 per share
ITEM 2(e) CUSIP NUMBER:
319988 10 1
ITEM 3. IF THIS STATEMENT IS FILED PURSUANT TO RULE 13D-1(b), OR
13D-2(b) OR (c), CHECK WHETHER THE PERSON FILING IS A:
(f) /x/ An employee benefit plan or endowment fund in
accordance with Rule 13d-1(b)(1)(ii)(F).
ITEM 4. OWNERSHIP.
(a) Amount beneficially owned:
51,147
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CUSIP NO. 319988 10 1 Page 4 of 6 Pages
(b) Percent of class: 9.3%
(c) Number of shares as to which such person has:
(i) Sole power to vote or to direct the vote 36,559
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(ii) Shared power to vote or to direct the vote 14,588
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(iii) Sole power to dispose or to direct the
disposition of 36,559
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(iv) Shared power to dispose or to direct the
disposition of 14,588
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The First Federal Financial Bancorp, Inc. Employee Stock
Ownership Plan Trust ("Trust") was established pursuant to the
First Federal Financial Bancorp, Inc. Employee Stock Ownership
Plan ("ESOP"). Under the terms of the ESOP, the Trustees will
generally vote the allocated shares held in the ESOP in
accordance with the instructions of the participating
employees. Unallocated shares held in the ESOP will generally
be voted by the ESOP Trustees in the same proportion for and
against proposals to stockholders as the ESOP participants and
beneficiaries actually vote shares of Common Stock allocated
to their individual accounts, subject in each case to the
fiduciary duties of the ESOP trustees and applicable law. Any
allocated shares which either abstain on the proposal or are
not voted will be disregarded in determining the percentage of
stock voted for and against each proposal by the participants
and beneficiaries. As of December 31, 1999, 14,588 shares had
been allocated to participants' accounts and 36,559 shares
were unallocated.
ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.
Not applicable since the reporting entity owns more than 5% of
the class.
ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER
PERSON.
Participants in the ESOP are entitled to receive dividends on,
and the proceeds from, the sale of the shares allocated to
their accounts. The ESOP does not own more than 5% on behalf
of another person.
ITEM 7. IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH
ACQUIRED THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING
COMPANY.
Not applicable.
ITEM 8. IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP.
Not applicable since the reporting entity is not a member of a
group.
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CUSIP NO. 319988 10 1 Page 5 of 6 Pages
ITEM 9. NOTICE OF DISSOLUTION OF GROUP.
Not applicable since the reporting entity is not a member of a
group.
ITEM 10. CERTIFICATION.
By signing below I certify that, to the best of my knowledge
and belief, the securities referred to above were acquired and
are held in the ordinary course of business and were not
acquired and are not held for the purpose of or with the
effect of changing or influencing the control of the issuer of
the securities and were not acquired and are not held in
connection with or as a participant in any transaction having
that purpose or effect.
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CUSIP NO. 319988 10 1 Page 6 of 6 Pages
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete and
correct.
FIRST FEDERAL FINANCIAL BANCORP, INC.
EMPLOYEE STOCK OWNERSHIP PLAN TRUST
February 10, 2000 By: /s/ Thomas D. Phillips
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Thomas D. Phillips, Trustee
February 10, 2000 By: /s/ Edward R. Rambacher
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Edward R. Rambacher, Trustee
February 10, 2000 By: /s/ I. Vincent Rice
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I. Vincent Rice, Trustee
