UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 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): January 15, 2004
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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 January 15, 2004
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION
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On January 15, 2004, PVF Capital Corp. (the "Company") issued a press
release announcing its unaudited financial results for the quarter ended
December 31, 2003. A copy of the press release is attached to this Report as an
exhibit and is furnished herewith.
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: January 16, 2004 By: /s/ C. Keith Swaney
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C. Keith Swaney
President, Chief Operating
Officer and Treasurer