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): January 18, 2006



                                PVF Capital Corp.
              -----------------------------------------------------
               (Exact Name of Registrant as Specified in Charter)

          Ohio                         0-24948                   34-1659805
--------------------------      -----------------------    ---------------------
(State or Other Jurisdiction    Commission File Number       (I.R.S. Employer
    of Incorporation)                                        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
                                                           --------------

                                 Not Applicable
     -----------------------------------------------------------------------
          (Former Name or Former Address, if Changed Since Last Report)




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:

[ ]  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 January 18, 2006, PVF Capital Corp. (the "Company") announced its
unaudited financial results for the quarter and six months ended December 31,
2005. For more information, reference is made to the Company's press release
dated January 18, 2006, a copy of which is attached to this Report as Exhibit 99
and is furnished herewith.

ITEM 8.01  OTHER EVENTS
           ------------

         On December 20, 2005, the Board of Directors of the Company declared a
quarterly cash dividend on the Company's outstanding common stock. The cash
dividend will be in the amount of $0.074 per share payable on February 1, 2006
to the stockholders of record at the close of business on January 25, 2006. For
further information on the cash dividend, see the Company's press release dated
January 18, 2006, which is incorporated herein by reference and is filed
herewith as Exhibit 99.

ITEM 9.01  FINANCIAL STATEMENTS AND EXHIBITS
           ---------------------------------

     (a)   Not applicable.

     (b)   Not applicable.

     (c)   The following exhibit is filed herewith:

           Exhibit 99           Press Release dated January 18, 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 hereunto duly authorized.

                                      PVF CAPITAL CORP.



                                      By: /s/ Jeffrey N. Male
                                          ----------------------------------
                                          Jeffrey N. Male
                                          Vice President and Secretary
                                          (Duly Authorized Representative)


Dated:  January 19, 2006