Exhibit 23.1






            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM



We consent to the incorporation by reference in the Registration Statement (Form
S-8)  pertaining to the First  Defiance  Financial  Corp.  2005 Stock Option and
Incentive  Plan of our  reports  dated  March  10,  2006,  with  respect  to the
consolidated  financial statements of First Defiance Financial Corp. included in
its Annual  Report  (Form  10-K) for the year ended  December  31,  2005,  First
Defiance  Financial  Corp.  management's  assessment  of  the  effectiveness  of
internal  control over financial  reporting,  and the  effectiveness of internal
control over financial  reporting of First Defiance  Financial Corp., filed with
the Securities and Exchange Commission.



                                        Crowe Chizek and Company LLC

Cleveland, Ohio
March 10, 2006