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                                   EXHIBIT 23




The Board of Directors
PVF Capital Corp:


We consent to incorporation by reference in the registration statements (No.
33-97450, No. 33-86116 and No. 333-48446) on Form S-8 of PVF Capital Corp. of
our report dated July 27, 2001, relating to the consolidated statements of
financial condition of PVF Capital Corp. and subsidiaries as of June 30, 2001
and 2000, and the related consolidated statements of operations, stockholders'
equity, and cash flows for each of the years in the three-year period ended June
30, 2001, which report appears in the June 30, 2001 Annual Report on Form 10-K
of PVF Capital Corp.



/s/ KPMG LLP


Cleveland, Ohio
September 25, 2001