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): January 25,  2005
                                                         -----------------
                            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.
- --------------------------------------------------------

     On January 25,  2005,  FFD  Financial  Corporation  issued a press  release
regarding  its earnings  for the quarter  ended  December  31,  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:  January 26, 2005








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


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

     99           Press Release of FFD Financial Corporation dated
                  January 25, 2005