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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 EOmYLlphgX1+DC/AUnMjVIzJMwez62tyq4wuAcjKsQ3jZkwmpf5cFJjjPSzN1MtJ
 6iKE5C6EK+uF2rZEIa/Sww==

<SEC-DOCUMENT>0000914317-05-000792.txt : 20050303
<SEC-HEADER>0000914317-05-000792.hdr.sgml : 20050303
<ACCEPTANCE-DATETIME>20050303161748
ACCESSION NUMBER:		0000914317-05-000792
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20050221
FILED AS OF DATE:		20050303
DATE AS OF CHANGE:		20050303

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Metzger Dwain
		CENTRAL INDEX KEY:			0001319669

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26850
		FILM NUMBER:		05658189

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		419-782-5015

	MAIL ADDRESS:	
		STREET 1:		601 CLINTON ST.
		CITY:			DEFIANCE
		STATE:			OH
		ZIP:			43512

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST DEFIANCE FINANCIAL CORP
		CENTRAL INDEX KEY:			0000946647
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				341803915
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		601 CLINTON ST
		CITY:			DEFIANCE
		STATE:			OH
		ZIP:			43512
		BUSINESS PHONE:		4107825015

	MAIL ADDRESS:	
		STREET 1:		601 CLINTON ST
		CITY:			DEFIANCE
		STATE:			OH
		ZIP:			43512
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>form3-66267_dmex.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2005-02-21</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000946647</issuerCik>
        <issuerName>FIRST DEFIANCE FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>FDEF</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001319669</rptOwnerCik>
            <rptOwnerName>Metzger Dwain</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>601 CLINTON ST.</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>DEFIANCE</rptOwnerCity>
            <rptOwnerState>OH</rptOwnerState>
            <rptOwnerZipCode>43512</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>652</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">Pursuant to the merger of ComBanc, Inc. into First Defiance Financial Corp., the reporting person is entitled to receive
 either $17.20 in cash or 0.65266 First Defiance shares for each ComBanc share he owned.  The reported number is only an
 estimate of the number of First Defiance shares that the reporting person will receive in exchange for his ComBanc shares as
 the final proration of elections made by ComBanc shareholders has not yet been determined.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ Dwain I. Metzger</signatureName>
        <signatureDate>2005-03-03</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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