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): October 27, 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
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          (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[_]  Written communications pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

[_]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

[_]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[_]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))






Section 2 - Financial Information

Item 2.02 Results of Operations and Financial Condition.
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     On October 27, 2004, FFD Financial Corporation issued a press release
regarding its earnings for the quarter ended September 30, 2004. The press
release is attached as Exhibit 99 hereto and is incorporated herein by
reference.



Section 9 - Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits.
- --------------------------------------------

         (a) and (b).  Not applicable.

         (c)      Exhibits.

                  See Index to Exhibits.





                                   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.


                                       FFD FINANCIAL CORPORATION



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


Date:  October 28, 2004









                                INDEX TO EXHIBITS
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Exhibit Number                                Description
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      99       Press Release of FFD Financial Corporation dated October 27, 2004