SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G UNDER THE SECURITIES EXCHANGE ACT OF 1934 BV FINANCIAL, INC. (Symbol : BVFL) (Name of Issuer) Common Stock (Title of Class of Securities) 05603E109 (CUSIP Number) Joseph S. Galli 3299 K Street, NW, Suite 700, Washington, DC 20016 12 AUGUST 2014 (Date of Event which Requires Filing of this Statement) 1. NAME OF REPORTING PERSON I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY) Joseph S. Galli 2. CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* Non member (a) ? (b) ? 3. SEC USE ONLY 4. CITIZENSHIP OR PLACE OF ORGANIZATION United States of America NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH 5. SOLE VOTING POWER 160,342 (a) 6. SHARED VOTING POWER 7. SOLE DISPOSITIVE POWER 160,342 (a) 8. SHARED DISPOSITIVE POWER 9. AGGREGATE AMOUNT BENEFICALLY OWNED BY EACH REPORTING PERSON 160,342 10. CHECK IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES ? 11. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 5.3% 12. TYPE OF REPORTING PERSON IN	OWNERSHIP BY ACCOUNT (a) Joseph S. Galli (Personal)	 27,445 (sole) JSG Ret Plan	117,265 (sole) Joseph S. Galli (IRA)	15,173 (sole) Shelly Galli (IRA)	459 (proxy) 	160,342 Total BASED ON COMPANY PROXY STATEMENTS, DATED 10/2/2013, THERE ARE 2,999,124, THUS, THE PERCENTAGE OWNERSHIP OF TOTAL IS 5.3%. SIGNATURE After reasonable inquiry and to the best of my knowledge and belief,I certify that the information set forth in this statement is true, complete and correct. Date:	August 19, 2014 							__________________________________ 							Joseph S. Galli