EXHIBIT 21

                         SUBSIDIARIES OF THE REGISTRANT


Parent
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Kentucky First Bancorp, Inc.



                                            State or Other          Percentage
  Subsidiaries (1)                   Jurisdiction of Incorporation   Ownership

First Federal Savings Bank                  United States              100%

Cynthiana Service Corporation (2)           Kentucky                   100%


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(1)      The assets, liabilities and operations of the subsidiaries are included
         in the  consolidated  financial  statements  contained in the financial
         statements attached hereto as an exhibit.
(2)      Wholly owned subsidiary of First Federal Savings Bank.



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