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 21, 2004
PVF CAPITAL CORP.
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(Exact Name of Registrant as Specified in its Charter)
Ohio 0-24948 34-1659805
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(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
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Not Applicable
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(Former Name or Former Address, if Changed Since Last Report)
ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
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(a) Not applicable
(b) Not applicable
(c) The following exhibit is filed herewith:
Exhibit 99.1 Press Release dated July 21, 2004
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION
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On July 21, 2004, the Company announced its unaudited financial results for
the fiscal quarter and year ended June 30, 2004. For more information, reference
is made to the Company's press release dated July 21, 2004, a copy of which is
attached to this Report as Exhibit 99.1 and furnished herewith.
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 21, 2004 By:/s/ John R. Male
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John R. Male
Chairman of the Board and Chief
Executive Officer