Exhibit 21
SUBSIDIARIES OF THE REGISTRANT
| State or Other | ||||||
| Jurisdiction of | Percentage | |||||
| Incorporation | Ownership | |||||
| Parent | ||||||
| Kentucky First Federal Bancorp | United States | N/A | ||||
| Subsidiaries (1) | ||||||
| First Federal Savings and Loan Association of Hazard | United States | 100 | % | |||
| Frankfort First Bancorp, Inc. | Delaware | 100 | % | |||
| First Federal Savings Bank of Kentucky (2) | United States | 100 | % | |||
| (1) | The assets, liabilities and operations of the subsidiaries are included in the consolidated financial statements contained in the Annual Report to Stockholders attached hereto as Exhibit 13. |
| (2) | Wholly owned subsidiary of Frankfort First Bancorp, Inc., which is a wholly-owned subsidiary of Parent. |