UNITED STATES
                       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, 2006


                               DCB FINANCIAL CORP
             (Exact name of registrant as specified in its charter)


            OHIO                        0-22387                  31-1469837
(State or other jurisdiction          (Commission              (IRS Employer
      of incorporation)               File Number)           Identification No.)


        110 RIVERBEND AVENUE, LEWIS CENTER, OHIO                  43035
        (Address of principal executive offices)               (Zip Code)


       Registrant's telephone number, including area code: (740) 657-7000




Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
    Exchange Act (17 CFR 240.13e-4(c))







ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On April 20, 2006, Registrant issued a press release announcing its unaudited
results of operations and financial condition for and as of, respectively, the
three month periods ended March 31, 2006. The press release is attached as
Exhibit No. 99 and incorporated herein by reference.


ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.

(c)      Exhibits

The following exhibits are furnished herewith:

EXHIBIT
NUMBER       EXHIBIT DESCRIPTION
- -------      -------------------

  99         Press Release dated April 20, 2006 announcing Registrant's results
             of operations and financial condition for and as of the fiscal
             periods ended March 31, 2006.





                                   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.

                                                      DCB FINANCIAL CORP


Date: April 20, 2006
                                                 By:  /s/  Jeffrey T. Benton
                                                      ------------------------
                                                      Jeffrey T. Benton
                                                      President and CEO




                                       2




                                  EXHIBIT INDEX


EXHIBIT
NUMBER      EXHIBIT DESCRIPTION
- -------     -------------------

  99        Press Release dated April 20, 2006 announcing Registrant's results
            of operations and financial condition for and as of the fiscal
            periods ended March 31, 2006.





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