EXHIBIT 32.1

                  CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350,
      AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly  Report of First Defiance  Financial Corp. (the
"Company") on Form 10-Q for the period  ending  September 30, 2005 as filed with
the Securities  and Exchange  Commission on the date hereof (the  "Report"),  I,
William J. Small, Chief Executive Officer of the Company,  certify,  pursuant to
18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002 and in connection with this quarterly report on Form 10-Q that:

1.    The Report fully complies with the requirements of sections 13(a) or 15(d)
      of the Securities Exchange Act of 1934, as amended, and

2.    The information  contained in the report fairly presents,  in all material
      respects, the company's financial condition and results of operations.


Date: November 9, 2005                 /s/ William J. Small
      ---------------------            ---------------------------------
                                       William J. Small
                                       Chief Executive Officer