The Board of Directors
PVF Capital Corp.


We consent to incorporation by reference in the registration statements (No. 
33-97450 and No. 33-86116) on Forms S-8 of PVF Capital Corp. of our report 
dated July 23, 1997, relating to the consolidated statements of financial 
condition of PVF Capital Corp. and subsidiaries as of June 30, 1997 and 1996, 
and the related consolidated statements of operations, stockholders' equity, 
and cash flows for each of the years in the three-year period ended June 30, 
1997 which report appears in the June 30, 1997 annual report on Form 10-K of 
PVF Capital Corp.




/s/ KPMG Peat Marwick LLP


Cleveland, Ohio
September 12, 1997