SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 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): April 20, 1998 
                                                         (April 10, 1998)


                         FIRST DEFIANCE FINANCIAL CORP.
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             (Exact name of registrant as specified in its charter)




          OHIO                          0-26850                 34-1803915
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(State or other jurisdiction of   (Commission File No.)  (IRS Employer I.D. No.)
incorporation)




                    601 Clinton Street, Defiance, Ohio 43512
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               (Address of principal executive offices) (Zip Code)


Registrant's telephone number, including area code:       (419) 762-5015

Item 5.  Other Events.

         On April 10, 1998, First Defiance  Financial Corp., an Ohio corporation
("First Defiance"),  and its wholly-owned subsidiary,  First Federal Savings and
Loan Association,  a savings association  organized under the laws of the United
States ("First Federal"),  and The Leader Mortgage Company,  an Ohio corporation
("Leader"),  entered into an  Agreement  and Plan of  Reorganization,  a copy of
which is attached hereto as Exhibit 2 (the "Agreement").  The Agreement provides
for the  acquisition of Leader by First Federal  through the reverse merger of a
subsidiary  of First  Defiance  or First  Federal  with  and  into  Leader  (the
"Merger").

         The  consummation  of the Merger is subject to a number of  conditions,
including,  but not  limited  to, the  approval  of the  appropriate  regulatory
agencies and the approval of the requisite number of shareholders of Leader. The
Agreement  may be  terminated  by the Board of  Directors  of First  Defiance or
Leader if the Merger is not  consummated  on or before  December 31,  1998.  The
foregoing summary is qualified in its entirety by reference to Exhibit 2.

Item 7.  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 thereunto duly authorized.


                                                  FIRST DEFIANCE FINANCIAL CORP.



                                              By: /s/Don C. Van Brackel
                                                  ---------------------
                                                  Don C. Van Brackel, President,
                                                  Chief Executive Officer and
                                                  Chairman of the Board


Date:  April 17, 1998






                                INDEX TO EXHIBITS


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

         2                 Agreement and Plan of Reorganization, dated April 10,
                           1998, by and among First  Defiance  Financial  Corp.,
                           First Federal  Savings and Loan  Association  and The
                           Leader Mortgage Company

         99                Joint News Release of First Defiance  Financial Corp.
                           and The Leader Mortgage Company, dated April 13, 1998