UNITED STATES
                       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) July 28, 2005




                            FirstFed Financial Corp.
                            ------------------------
             (Exact name of registrant as specified in its charter)



         Delaware               1-9566                     95-4087449
         --------               ------                     ----------
(State of Incorporation) (Commission File No.) (IRS Employer Identification No.)



  401 Wilshire Boulevard, Santa Monica, California,          90401-1490
  -------------------------------------------------          ----------
         (Address of principal executive offices)            (Zip Code)


       Registrant's telephone number, including area code: (310) 319-6000


Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act 
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
    240.14a 12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the 
    Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the 
    Exchange Act 917 CFR 240.13e-4(c))


                           Total number of pages is 4
                           Index to Exhibit is on Page 3



ITEM 7.01.  REGULATION  FD DISCLOSURE.

     The Registrant hereby incorporates by reference into this Item. 7 the
summary monthly financial data as of June 30, 2005 attached as Exhibit 99.1,
which is being furnished in accordance with Rule 101(e)(1) under Regulation FD
and shall not be deemed to be filed.

     A discussion of the factors that could impact the Bank's loan portfolio in
general, and the Registrant's overall business and financial performance, can be
found in the Registrant's reports filed with the Securities and Exchange
Commission. These factors include, among others, general economic and business
conditions and changes therein, competition, consumer preferences and various
other matters beyond the Registrant's control. Given these concerns, investors
and analysts should not place undue reliance on the enclosed information. These
reports speak only as of their stated date, and the Registrant undertakes no
obligation to publicly update or revise the reports, although it may do so from
time to time as management of the Registrant believes is warranted.

 ITEM 9.01. FINANCIAL STATEMENTS, PRO-FORMA FINANCIAL INFORMATION AND EXHIBITS

     (c) Exhibits

         99.1     Monthly Financial Data as of June 30, 2005 (Unconsolidated)

                               S I G N A T U R E S

      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.


                            FIRSTFED FINANCIAL CORP.



Dated: July 28, 2005                        By:/s/ Douglas J. Goddard
                                               ----------------------
                                                   Douglas J. Goddard
                                                   Chief Financial Officer
 
 

                                       2

                                INDEX TO EXHIBITS



Item                                                              Page

99.1     Monthly Financial Information as of June 30, 2005         4



                                       3

                                  EXHIBIT 99.1

                      First Federal Bank of California, fsb
        MONTHLY REPORT OF OPERATIONS Unconsolidated Financial Highlights
                                    Unaudited
                             (Dollars in thousands)


                                          As of, for         As of, for       As of, for         As of, for        As of, for
                                           the month         the month         the month           the 6          the 6 months
                                             ended             ended             ended          months ended         ended
                                           June 30,           May 31,          June 30,           June 30,          June 30,
                                              2005              2005              2004              2005              2004
                                              ----              ----              ----              ----              ----
                                                                                                   
Cash and investment securities        $        245,008   $       247,111  $        316,162   $       245,008  $         316,162
Total assets                          $      9,278,669   $     9,062,480  $      5,524,926   $     9,278,669  $       5,524,926

LOANS:
Total mortgage-backed securities      $         85,351   $        87,048  $        116,378   $        85,351  $         116,378
Total loans, net                      $      8,689,738   $     8,485,123  $      4,928,047   $     8,689,738  $       4,928,047

Loans originated/purchased:
  Single family loans                 $        336,661   $       360,914  $        230,355   $     2,277,745  $         980,665
  Multi-family loans                            45,046            71,162            46,944           285,672            231,719
  Commercial real estate loans                   5,972             4,546             6,342            28,822             16,008
  Other                                          5,921             2,028             5,753            25,553             47,775
                                         --------------     -------------    --------------     -------------    ---------------
                                      $        393,600  $        438,650  $        289,394  $      2,617,792  $       1,276,167
                                         ==============     =============    ==============     =============    ===============

Percentage of ARMs originated:                    100%              100%              100%              100%                98%

Loan repayments:
  Single family loans                 $        130,431   $        99,042  $         87,248   $       559,239  $         464,183
  Multi-family and commercial real
     estate loans                               60,958            28,346            57,853           195,716            241,066
  Other                                          3,457             1,060               436            25,800             24,814
                                         --------------     -------------    --------------     -------------    ---------------
                                      $        194,846  $        128,448  $        145,537  $        780,755  $         730,063
                                         ==============     =============    ==============     =============    ===============

Loans sold                            $             --  $             --  $            824  $             --  $           3,017

Average rate on loans
   originated/purchased                          5.76%             5.65%             4.37%             5.45%              4.45%
Percentage of portfolio in
   adjustable rate loans                        94.77%            93.99%            83.60%            94.77%             83.60%
Non-performing assets
   to total assets                               0.07%             0.06%             0.02%             0.07%              0.02%

BORROWINGS:
Federal Home Loan Bank
   Advances                           $      3,426,913  $      3,317,213  $      2,169,000  $      3,426,913  $       2,169,000
Reverse repurchase
   agreements                         $      1,230,978  $      1,231,978  $        125,224  $      1,230,978  $         125,224

DEPOSITS:
Retail deposits                       $      2,489,958  $      2,502,235  $      2,531,152  $      2,489,958  $       2,531,152
Wholesale deposits                           1,518,508         1,437,656           257,306         1,518,508            257,306
                                         --------------     -------------    --------------     -------------    ---------------
                                      $      4,008,466  $      3,939,891  $      2,788,458  $      4,008,466  $       2,788,458
                                         ==============     =============    ==============     =============    ===============

Net increase (decrease)               $         68,575  $         73,140  $         38,255  $        223,571  $         231,032

AVERAGE INTEREST RATES:
Yield on loans                                   5.10%             5.05%             4.69%             4.98%              4.80%
Yield on investments                             3.77%             3.99%             2.53%             3.73%              2.58%
Yield on earning assets                          5.06%             5.02%             4.57%             4.85%              4.70%
Cost of deposits                                 2.23%             2.12%             1.27%             1.98%              1.28%
Cost of borrowings                               3.20%             3.10%             2.45%             2.94%              2.55%
Cost of money                                    2.75%             2.64%             1.79%             2.47%              1.81%
Earnings spread                                  2.31%             2.38%             2.78%             2.38%              2.89%
Effective net spread                             2.41%             2.46%             2.87%             2.47%              2.99%



                                       4