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                                  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): July 25, 2008


                                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
           ---------------------------------------------------------
           (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))

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ITEM 2.02    RESULTS OF OPERATIONS AND FINANCIAL CONDITION
             ---------------------------------------------

      On July 25, 2008, PVF Capital Corp. (the "Company") announced its
unaudited financial results for the quarter and fiscal year ended June 30, 2008.
For more information, reference is made to the Company's press release dated
July 25, 2008, a copy of which is attached to this Report as Exhibit 99.1 and is
furnished herewith.

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

      On July 25, 2008, the Company's Board of Directors reduced the quarterly
cash dividend on the Company's common stock to $0.01 per share from $0.074 per
share, payable August 22, 2008 to stockholders of record at the close of
business on August 15, 2008.

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

      (a)    Not applicable.

      (b)    Not applicable.

      (c)    Not applicable.

      (d)    The following exhibit is filed herewith:

             Exhibit 99.1      Press Release dated July 25, 2008

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                                   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.



Dated: July 30, 2008               By: /s/ John R. Male
                                       -------------------------------------
                                       John R. Male
                                       Chairman of the Board and
                                         Chief Executive Officer
                                       (Duly Authorized Representative)