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): April 26, 2004
                                                         ---------------


                            FFD Financial Corporation
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             (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.
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     On April 26, 2004, FFD Financial Corporation issued a press release
regarding its earnings for the quarter ended March 31, 2004. 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: April 27, 2004







                                INDEX TO EXHIBITS


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

      99         Press Release of FFD Financial Corporation dated April 26, 2004