SECURITIES AND EXCHANGE COMMISSION
Washington, D. C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15 (d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): April 20, 1999
FIRST FEDERAL FINANCIAL CORPORATION OF KENTUCKY
(Exact name of registrant as specified in charter)
Kentucky 0-18832 61-1168311
(State or other (Commission File Number) (IRS Employer
jurisdiction of Identification No.)
incorporation)
2323 Ring Road, Elizabethtown, Kentucky 42701
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (502) 765-2131
N/A
(Former name or former address
if changed since last report.)
<PAGE>
INFORMATION TO BE INCLUDED IN THE REPORT
Item 4. Changes in Registrant's Certifying Accountant
On April 20, 1999, the Board of Directors of First Federal Financial
Corporation approved a recommendation made by the Risk Management Committee to
change accountants.
There had been no prior disagreements with Whelan, Doerr & Company
concerning accounting principles or practices, financial statement disclosure,
or auditing scope or procedures. The reason for the change is due to the fact
that Whelan, Doerr & Company can no longer provide the services needed due to a
decrease in personnel. Therefore, based on the Corporation's current size and
projected growth plans, a decision was made to go with a larger regional firm.
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
(a) Financial Statements.
Not Applicable.
(b) Pro Forma Financial Information.
Not Applicable.
(c) Exhibits.
16 Former Accountant's Letter dated April 23, 1999.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.
FIRST FEDERAL FINANCIAL CORPORATION
OF KENTUCKY
Date: 4/23/99 By: /s/ B. Keith Johnson
--------------------
B. Keith Johnson
President and Chief Executive Officer
April 26, 1999
Securities and Exchange Commission 450 5th Street, N.W.
Washington, D.C. 20549
Dear Sir:
We have read and agree with the statements made by First Federal Financial
Corporation in their letter dated April 23, 1999 in regard to a change in
accountants.
Sincerely,
Whelan Doerr & Company PSC
Certified Public Accountants
