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 - -------------------------------------------------------------------------------- (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