UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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 23, 2003


                                PVF CAPITAL CORP.
             ------------------------------------------------------
             (Exact Name of Registrant as Specified in its Charter)


        Ohio                           0-24948                   34-1659805
- --------------------------------------------------------------------------------
(State or Other Jurisdiction)        (Commission                (IRS Employer
       of Incorporation)             File Number)            Identification No.)



30000 Aurora Road,  Solon,   Ohio                               44139
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(Address of Principal Executive Offices)                      (Zip Code)



       Registrant's telephone number, including area code: (440) 248-7171
                                                           --------------

                                 Not Applicable
         ---------------------------------------------------------------
          (Former Name or Former Address, if Changed Since Last Report)


ITEM 5.  OTHER EVENTS AND REQUIRED FD DISCLOSURE
         ---------------------------------------

     On July 23, 2003,  PVF Capital Corp.  (the  "Company")  announced  that the
Company's Board of Directors  declared a dividend of 10% of the Company's common
shares on June 24, 2003.  This share  dividend will be issued on the 29th day of
August,  2003,  to the  holders of shares of record at the close of  business on
August 15, 2003.

     Further  information  regarding  the  dividend  is set  forth in the  press
release dated July 23, 2003,  which is attached as Exhibit 99.1 and incorporated
herein by reference.


ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
         ------------------------------------------------------------------

           Exhibit 99.1             Press Release dated July 23, 2003


                                   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.


                                   PVF CAPITAL CORP.



Date:    July 23, 2003             By:/s/ John R. Male
                                      ------------------------------------------
                                      John R. Male
                                      Chairman of the Board and Chief Executive
                                      Officer