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): August 4, 2003
                                                          --------------

                           FFD Financial Corporation
                           -------------------------
             (Exact name of registrant as specified in its charter)



                Ohio                       0-27916                34-1921148
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 (State or other jurisdiction of        (Commission         (IRS Employer
           incorporation)               File Number)         Identification No.)




                   321 North Wooster Avenue, Dover, Ohio 44622
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               (Address of principal executive offices) (Zip Code)


       Registrant's telephone number, including area code: (330) 364-7777
                                                            -------------


         ------------------------------------------------------------
         (Former name or former address, if changed since last report)







                                    FORM 8-K



Item 7.  Financial Statements and Exhibits.
- ------   ---------------------------------
         (a) and (b).  Not applicable.
         (c)      Exhibits.
                  See Index to Exhibits.

Item 12. Results of Operations and Financial Condition.
- -------  ---------------------------------------------

     On  August  4,  2003,  FFD  Financial  Corporation  issued a press  release
regarding  its earnings for the quarter and year ended June 30, 2003.  The press
release is attached as Exhibit 99 hereto and incorporated herein by reference.







                                   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 thereunto duly authorized.


                                       FFD FINANCIAL CORPORATION



                                       By: /s/ Trent B. Troyer
                                           -------------------------------------
                                           Trent B. Troyer
                                           President and Chief Executive Officer


Date: August 5, 2003






                                INDEX TO EXHIBITS
                                -----------------


Exhibit Number                                    Description
- --------------                                    -----------

      99         Press Release of FFD Financial Corporation dated August 4, 2003