Exhibit 23.2




                          INDEPENDENT AUDITORS' CONSENT

         We  consent  to the  incorporation  by  reference  in the  Registration
         Statement No. 33-98506 of First Defiance Financial Corp. on Form S-8 of
         our report dated  August 20, 1998 on the  financial  statements  of The
         Leader  Mortgage  Company  for  the  year  ended  September  30,  1997,
         appearing  in the  Report  on Form  8-K/A  dated  July 1, 1998 of First
         Defiance Financial Corp.
          




         /s/DELOITTE & TOUCHE LLP
         ------------------------
         DELOITTE & TOUCHE LLP
         Cleveland, Ohio


         September 22, 1998