EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT Parent - ------ PVF Capital Corp. State or Other Jurisdiction of Percentage Subsidiaries (1) Incorporation Ownership - ------------------ -------------- --------- Park View Federal Savings Bank Ohio 100% PVF Service Corporation Ohio 100% PVF Mortgage Corp. Ohio 100% PVF Community Development Corp. Ohio 100% Mid Pines Land Co. Ohio 100% - ------------------------ (1) The assets, liabilities and operations of the subsidiaries are included in the consolidated financial statements contained in the Annual Report to Stockholders attached hereto as an exhibit.