.
                                                                               .
                                                                               .

                                                                      EXHIBIT 21

                         SUBSIDIARIES OF THE REGISTRANT

PARENT

PVF Capital Corp.



                                       STATE OR OTHER
                                       JURISDICTION OF           PERCENTAGE
SUBSIDIARIES (1)                        INCORPORATION             OWNERSHIP
- ----------------                       ---------------           ----------
                                                           
Park View Federal Savings Bank          United States               100%

PVF Service Corporation                     Ohio                    100%

PVF Mortgage Corp.                          Ohio                    100%

PVF Community Development Corp.             Ohio                    100%

Mid Pines Land Co.                          Ohio                    100%

PVF Holdings Inc.                           Ohio                    100%


- ------------
(1)   The assets, liabilities and operations of the subsidiaries are included in
      the consolidated financial statements contained in the Annual Report to
      Stockholders attached hereto as Exhibit 13.