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): July 27, 2005
                                                           -------------


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


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


                   321 North Wooster Avenue, Dover, Ohio 44622
               ---------------------------------------------------
               (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)

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 July  27,  2005,  FFD  Financial  Corporation  issued  a press  release
regarding its earnings for the quarter and fiscal year ended June 30, 2005.  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/ Robert R. Gerber
                           ----------------------------------
                           Robert R. Gerber
                           Vice President, Treasurer and Chief Financial Officer


Date:  July 27, 2005



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


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

      99                Press Release of FFD Financial Corporation dated
                        July 27, 2005