FIRST FEDERAL BANK <FFBN.O> 2ND QTR MARCH 31 NET Shr 84 cts vs 75 cts Net 475,000 vs 425,000 Total income 7,248,000 vs 7,286,000 1st half Shr 1.61 dlrs vs 1.50 dlrs Net 911,000 vs 847,000 Total income 14.6 mln vs 14.2 mln