Exhibit 32.1

                CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350
                    AS ADOPTED PURSUANT TO SECTION 906 OF THE
                           SARBANES-OXLEY ACT OF 2002

      The undersigned executive officers of First Defiance Financial Corp. (the
"Registrant") hereby certify that this Annual Report on Form 10-K for the year
ended December 31, 2004 (the "Report") fully complies with the requirements of
Section 13(a) or 15(d) of the Securities Exchange Act of 1934, and the
information contained in the Report fairly presents, in all material respects,
the financial condition and results of operations of the Registrant.


                                        By: /s/ William J. Small
                                            ------------------------------------
                                            Name: William J. Small
                                            Title: President and Chief
                                                    Executive Officer


                                        By: /s/ John C. Wahl
                                            ------------------------------------
                                            Name: John C. Wahl
                                            Title: Executive Vice President
                                                     and Chief Financial
                                                     Officer

Date: March 11, 2005