SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549








FORM 10-K/A

(Mark One)

|x | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
|- | ------------------------------------------------------------------------------------



For the fiscal year Ended December 31,
2012

or



| ̈ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
|- | ----------------------------------------------------------------------------------------



Commission File Number0-26850










FIRST DEFIANCE FINANCIAL CORP.

(Exact name of registrant as specified in
its charter)










|OHIO                                     |  | 34-1803915            
|---------------------------------------- |  | ----------------------
|(State or other jurisdiction of          |  | (I.R.S. Employer      
|incorporation or organization)           |  | Identification Number)
|601 Clinton Street, Defiance, Ohio       |  | 43512                 
|(Address of principal executive offices) |  | (Zip code)            



Registrant’s telephone number, including
area code: (419) 782-5015












Securities registered pursuant to Section 12(b)
of the Act:



|Common Stock, Par Value $0.01 Per Share |  | The NASDAQ Stock Market                    
|--------------------------------------- |  | -------------------------------------------
|(Title of Class)                        |  | (Name of each exchange on which registered)



Securities registered pursuant to Section 12(g)
of the Act:



None

(Title of Class)










Indicate
by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.  Yes ̈Nox



Indicate
by check mark if registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Exchange Act.
Yes ̈Nox



Indicate
by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities
Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports),
and (2) has been subject to such filing requirements for the past 90 days.  YesxNo ̈



Indicate
by check mark whether the registrant has submitted electronically and posted on its corporate Website, if any, every Interactive
Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the
preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). YesxNo ̈



Indicate
by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is
not contained herein, and will not be contained to the best of Registrant’s knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. ̈



Indicate by check mark whether the Registrant is a large accelerated
filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See definitions of “large accelerated
filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.



|Large accelerated filer |  ̈ | Accelerated filer | x | Non-accelerated filer |  ̈ | Smaller reporting Company |  ̈
|----------------------- | - | ----------------- | - | --------------------- | - | ------------------------- | -



Indicate
by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes ̈Nox



The aggregate market value of the voting stock held by non-affiliates
of the Registrant computed by reference to the average bid and ask price of such stock as of June 30, 2012 was approximately
$160.6 million



As of February 21, 2013, there were issued and outstanding
9,729,466 shares of the Registrant’s common stock.



Documents Incorporated
by Reference:None











Explanatory Note



This Amendment No. 1 on Form 10-K/A (this “Amendment”)
is being filed by First Defiance Financial Corp. (“First Defiance” or the “Company”) to amend its Annual
Report on Form 10-K for the year ended December 31, 2012, filed with the Securities and Exchange Commission on February 28,
2013 (the “Original Filing”). This Amendment is being filed solely to include Exhibit 23.1, the consent of Crowe Horwath
LLP, which was inadvertently omitted from the Original Filing.



Except for the foregoing, the Original Filing remains unchanged.
This Amendment does not reflect any events that may have occurred subsequent to the Original Filing of February 28, 2013, nor does
it modify or otherwise update in any way the disclosures made in the Original Filing. Accordingly, this Amendment should be read
in conjunction with the Original Filing.













PART IV



Item 15. Exhibits, Financial Statement Schedules



(a)(3) The following documents are filed as part of
this report:



|Exhibit Number |  | Title                       
|-------------- |  | ----------------------------
|23.1           |  | Consent of Crowe Horwath LLP













SIGNATURES



Pursuant to the requirements of Sections 13 or 15(d) of the
Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto
duly authorized.



|              |  | FIRST DEFIANCE FINANCIAL CORP.
|------------- |  | ------------------------------
|              |  |                               
|June 14, 2013 |  | By:                           
|              |  |