<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>5
<FILENAME>l09313aexv21.txt
<DESCRIPTION>EX-21 SUBSIDIARIES OF THE REGISTRANT
<TEXT>
<PAGE>
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                                                                      EXHIBIT 21

                         SUBSIDIARIES OF THE REGISTRANT

PARENT

PVF Capital Corp.

<TABLE>
<CAPTION>
                                       STATE OR OTHER
                                       JURISDICTION OF           PERCENTAGE
SUBSIDIARIES (1)                        INCORPORATION             OWNERSHIP
----------------                       ---------------           ----------
<S>                                    <C>                       <C>
Park View Federal Savings Bank          United States               100%

PVF Service Corporation                     Ohio                    100%

PVF Mortgage Corp.                          Ohio                    100%

PVF Community Development Corp.             Ohio                    100%

Mid Pines Land Co.                          Ohio                    100%

PVF Holdings Inc.                           Ohio                    100%
</TABLE>

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(1)   The assets, liabilities and operations of the subsidiaries are included in
      the consolidated financial statements contained in the Annual Report to
      Stockholders attached hereto as Exhibit 13.


</TEXT>
</DOCUMENT>