UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
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                                    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 16, 2003
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                                PVF CAPITAL CORP.
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             (Exact Name of Registrant as Specified in its Charter)


        Ohio                         0-24948                   34-1659805
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(State or Other Jurisdiction)      (Commission                 (IRS Employer
    of Incorporation)              File Number)              Identification No.)



30000 Aurora Road,  Solon,  Ohio                                  44139
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(Address of Principal Executive Offices)                        (Zip code)



       Registrant's telephone number, including area code: (440) 248-7171
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                                 Not Applicable
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          (Former Name or Former Address, if Changed Since Last Report)



ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
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(a)  Not applicable


(b)  Not applicable


(c)  The following exhibit is filed herewith:


        Exhibit 99.1    Press Release dated April 16, 2003


ITEM 9.  REGULATION FD DISCLOSURE
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     On April 16, 2003, PVF Capital Corp. (the "Company") issued a press release
announcing  its  unaudited  financial  results  for the  quarter  and nine month
periods  ended March 31, 2003.  A copy of the press  release is attached to this
Report as an exhibit  and is  incorporated  herein by  reference.  The  attached
exhibit is furnished pursuant to Item 12 of Form 8-K.





                                   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 hereunto duly authorized.


                                                PVF CAPITAL CORP.



Date:    April 17, 2003                         By:/s/ C. Keith Swaney
                                                   -----------------------------
                                                   C. Keith Swaney
                                                   President, Chief Operating
                                                   Officer and Treasurer