Consent of INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


We consent to the incorporation by reference in the registration statement of
First Defiance Financial Corp. on Amendment No. 1 to Form S-4/A of our report
dated January 30, 2004 on the consolidated financial statements of ComBanc, Inc,
as of December 31, 2004 and 2003 and for each of the years in the three year
period ended December 31, 2004. We also consent to the references to our firm
under the caption "Experts".


                                               /s/ BKD, LLP
                                               ------------------------------
                                                   BKD, LLP


Cincinnati, Ohio
November 10, 2004