UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 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 21, 2003

                         First Defiance Financial Corp.
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             (Exact name of registrant as specified in its charter)



              Ohio                      0-26850                  34-1803915
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(State or other jurisdiction of       (Commission            (IRS Employer
         incorporation)              File Number)            Identification No.)




                    601 Clinton Street, Defiance, Ohio     43512
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               (Address of principal executive offices) (Zip Code)


       Registrant's telephone number, including area code: (419) 782-5015
                                                            -------------


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          (Former name or former address, if changed since last report)





ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS

     (a)  Financial Statements

               None.  The financial  information  included in this report is not
               required to be filed as part of this report.

     (b)  Pro Forma Financial Information

            None.

     (c)  Exhibits


     Exhibit 99.1 First Defiance  Financial Corp.  Press Release dated April 21,
          2003 titled "First Defiance Announces First Quarter Earnings"

ITEM 9. REGULATION FD  DISCLOSURES/RESULTS OF OPERATIONS AND FINANCIAL CONDITION
PROVIDED UNDER ITEM 12 PURSUANT TO RELEASE 34-47583

On April  21,  2003,  First  Defiance  Financial  Corp.  issued a press  release
announcing its earnings for the three-month  period ended March 31, 2003. A copy
of this press  release  and  related  earnings  tables are  furnished  herein as
Exhibit 99.1.  This  information is being  furnished under Item 9 as provided in
the Commission's  final rule;  interim  guidance  regarding Form 8-K Item 11 and
Item 12 filing requirements (Release No. 34-47583).

                                   SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly caused this Current  Report on Form 8-K to be signed on its
behalf by the undersigned hereunto duly authorized.

                               First Defiance Financial Corp.


                               By: /s/ John C. Wahl
                               -------------------------------
                               John C. Wahl
                               Executive Vice President/ Chief Financial Officer


Date: April 24, 2003