EXHIBIT 99
                                   ----------


May 24, 2005

FOR IMMEDIATE RELEASE:


CONTACT:
   Trent Troyer, President
   FFD Financial Corporation
   321 North Wooster Avenue
   Dover, Ohio 44622-0038
   (330) 364-7777

               FFD Financial Corporation to go private, deregister

DOVER, OHIO - FFD Financial Corporation, parent company of First Federal
Community Bank, announced plans to deregister its common stock and go private,
citing an increased cost burden associated with the requirements of the
Sarbanes-Oxley Act. The Board has approved a 1-for-350 reverse stock split,
immediately followed by a 350-for-1 forward split. Stockholders with fewer than
350 shares before the split transactions will receive cash of $19.00 per
pre-split share. Those with more than 350 shares prior to the splits will not
receive cash and will continue to hold the same number of shares after the
transactions.

The company said the transactions should leave it with fewer than 300
shareholders of record, thereby qualifying it to deregister under the Securities
Exchange Act. Upon deregistration, FFD's shares will no longer be eligible for
trading on NASDAQ, although the shares may be quoted on the OTC Bulletin Board
or Pink Sheets if a broker elects to sponsor the shares.

"The environment for being a public company has changed so significantly that
the costs for a small company far outweigh the benefits received and are
disproportionate than the costs for larger corporations.. This transaction
provides us with an effective use of some of our excess capital, will reduce
costs significantly, and should improve earnings per share and return on
equity," President and CEO Trent Troyer commented.

The board received a fairness opinion from financial advisor Keller & Company,
Inc. regarding the cash payment to shareholders with fewer than 350 shares. The
transactions are subject to approval by a majority of the company's
shareholders.

FFD Financial Corporation is traded on the NASDAQ SmallCap Market under the
symbol FFDF. First Federal Community Bank has full service offices in downtown
Dover, downtown New Philadelphia, on the Boulevard in Dover, and a loan
production office in downtown Coshocton. The Corporation maintains an
interactive web site at www.onlinefirstfed.com.
                        ----------------------