8-K

                       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): June 28, 2004

                     FIRST FEDERAL FINANCIAL SERVICES, INC.
                 ----------------------------------------------
               (Exact Name of Registrant as Specified in Charter)

           Federal                      000-50820                 37-1413556
  --------------------------      ---------------------        ---------------
(State or Other Jurisdiction)     (Commission File No.)       (I.R.S. Employer
      of Incorporation)                                      Identification No.)


300 St. Louis Street, Edwardsville, Illinois                         62025
- --------------------------------------------                         -----
(Address of Principal Executive Offices)                          (Zip Code)

Registrant's telephone number, including area code:  (618) 656-6200
                                                     --------------



                                 Not Applicable
          (Former name or former address, if changed since last report)









Items 5. Other Events

         On June 28, 2004, First Federal Financial Services, Inc. (the
"Registrant") issued a press release reporting that it had completed its initial
stock offering. The Registrant sold 1,764,027 shares of common stock at $10.00
per share in a subscription offering. In addition, the Registrant issued
2,156,027 shares to Fist Federal Financial Services, MHC. The shares of the
Registrant will trade on the Nasdaq SmallCap Market under the symbol "FFFS."


Item 7.  Financial Statements and Exhibits

(c)      Exhibits.

                  Exhibit No.               Description
                  -----------               -----------

                      99                Press release dated June 28, 2004









                                   SIGNATURES

         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, hereunto duly authorized.

                                       FIRST FEDERAL FINANCIAL SERVICES, INC.



DATE:    June 29, 2004                 By: /s/ Larry W. Mosby
                                           -------------------------------------
                                           Larry W. Mosby
                                           President and Chief Executive Officer






                                  EXHIBIT INDEX

The following exhibit is filed as part of this report:

                  Exhibit No.               Description
                  -----------               -----------

                      99                Press release dated June 28, 2004

EX-99

PRESS RELEASE

                              FOR IMMEDIATE RELEASE
                              ---------------------

For Additional Information Contact:
Larry W. Mosby, President and Chief Executive Officer
(618) 656-6200


            FIRST FEDERAL FINANCIAL SERVICES, INC. COMPLETES INITIAL
                                 STOCK OFFERING


         Edwardsville, Illinois - (June 28, 2004) - Larry W. Mosby, President
and Chief Executive Officer of First Federal Financial Services, Inc.,
headquartered in Edwardsville, Illinois, announced today that the company has
completed its initial stock offering. First Federal Financial Services, Inc.,
the holding company of First Federal Savings & Loan Association of Edwardsville,
sold 1,764,027 shares of common stock at $10.00 per share in a subscription
offering. In addition, 2,156,033 shares of the company's common stock were
issued to First Federal Financial Services, MHC, the company's mutual holding
company.

         The shares of First Federal Financial Services, Inc. will trade on the
Nasdaq SmallCap Market under the symbol "FFFS." Trading is expected to begin on
Tuesday, June 29, 2004. The subscription offering was managed by Keefe, Bruyette
& Woods, Inc.

         "The Board of Directors, officers and employees of First Federal
Savings & Loan Association of Edwardsville and First Federal Financial Services,
Inc. express their gratitude for the overwhelming support for the offering by
their customers and local community, pledge their best efforts toward the
opportunities ahead and look forward to continuing to serve the needs of their
customers and new stockholders," said Mr. Mosby.

         First Federal Savings & Loan Association of Edwardsville, originally
chartered in 1921, is a federally chartered and insured stock savings and loan
association. In 2001, First Federal reorganized into the two-tier mutual holding
company structure and formed First Federal Financial Services, Inc. and First
Federal Financial Services, MHC as its direct and indirect holding companies,
respectively. First Federal conducts its business out of its one full-service
banking office located in Edwardsville, Illinois.