SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 10-KSB/A
                                (Amendment No. 1)

(Mark One)

|X|   ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF
      1934 for the Fiscal Year Ended June 30, 2003

                                       OR

|_|   TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT
      OF 1934 for the transition period from ______________ to ________________

                         Commission File Number: 0-27916

                            FFD FINANCIAL CORPORATION
                 (Name of small business issuer in its charter)

              Ohio                                             34-1921148
(State or other jurisdiction of                             (I.R.S. Employer
 incorporation or organization)                           Identification Number)

                   321 North Wooster Avenue, Dover, Ohio 44622
               (Address of principal executive offices) (Zip Code)

                           Issuer's telephone number:
                                 (330) 364-7777

         Securities registered under Section 12(b) of the Exchange Act:

                  None                                    None
          (Title of each class)                  (Name of each exchange
                                                  on which registered)

         Securities registered under Section 12(g) of the Exchange Act:

                        Common Shares, without par value
                                (Title of class)

      Check whether the issuer (1) filed all reports required to be filed by
Section 13 or 15(d) of the Exchange Act during the past 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.
Yes |X| No |_|

      Check if there is no disclosure of delinquent filers in response to Item
405 of Regulation S-B contained in this Form, and no disclosure will 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-KSB
or any amendment to this Form 10-KSB. |X|

      The issuer's revenues for the fiscal year ended June 30, 2003, were $7.8
million.

      The aggregate market value of the voting stock held by non-affiliates of
the registrant, computed by reference to the average of the bid and asked prices
quoted by the Nasdaq SmallCap Market, was $14.8 million on September 22, 2003.

      1,212,997 of the issuer's common shares were issued and outstanding on
September 22, 2003.

                       DOCUMENTS INCORPORATED BY REFERENCE

              Portions of the Annual Report to Shareholders for the
          fiscal year ended June 30, 2003 are incorpoated into Part II.
               Portions of the Proxy Statement for the 2003 Annual
             Meeting of Shareholders are incorporated into Part III.

    Transitional Small Business Disclosure Format (check one): Yes |_| No |X|

<PAGE>

                                EXPLANATORY NOTE

     FFD Financial Corporation (the "Company") hereby amends Part III, Item 13
of its Annual Report on Form 10-KSB for the fiscal year ended June 30, 2003, as
originally filed with the Securities and Exchange Commission on September 29,
2003 (the "Original Form 10-KSB"). The Company is filing this Amendment No. 1 on
Form 10-KSB/A (this "Amendment No. 1") to add the conformed signature of its
independent auditors, Grant Thornton LLP, to the Report of Independent Certified
Public Accountants (the "Report") contained in the Company's 2003 Annual Report
to Shareholders filed as Exhibit 13 to the Original Form 10-KSB. The conformed
signature of Grant Thornton LLP was inadvertently omitted from the electronic
version of the Original Form 10-KSB, although the Company had a manually signed
copy of the Report when the Original Form 10-KSB was filed and the printed
version of the 2003 Annual Report to Shareholders contained a copy of the
manually signed Report.

     In accordance with the rules of the Securities and Exchange Commission, the
Company has set forth the text of Item 13 and Exhibit 13 in their entirety. In
addition, updated certifications pursuant to Section 302 of the Sarbanes-Oxley
Act of 2002 have been added as Exhibits 31.1 and 31.2 and updated certifications
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 have been added as
Exhibits 32.1 and 32.2 to this Amendment No. 1. No other modifications or
changes have been made to Item 13 or Exhibit 13 on this Amendment No. 1. Other
than the addition of the conformed signature, the text of Exhibit 13, including
the consolidated financial statements of the Company, is unchanged.

      This Amendment No. 1 is limited in scope to the portions of the Original
Form 10-KSB set forth above and does not amend, update, or change any other
items or disclosures contained in the Original Form 10-KSB. Accordingly, all
other items that remain unaffected are omitted in this filing. None of the
amendments to the Original Form 10-KSB reflected in this Amendment No. 1
resulted in a change to or restatement of the financial statements or other
financial information included in the Original Form 10-KSB.

      This Amendment No. 1 continues to speak as of the date of the original
filing of the Original Form 10-KSB and we have not updated the disclosures
contained therein to reflect any events that occurred at any subsequent date.
The filing of this Form 10-KSB/A shall not be deemed an admission that the
Original Form 10-KSB, when filed, included any untrue statement of a material
fact or omitted to state a material fact necessary to make a statement therein
not misleading.

                                    PART III

Item 13. Exhibits and Reports on Form 8-K

(a)   Exhibits

      3                 Articles of Incorporation and Code of Regulations

      10.1              FFD Financial Corporation 1996 Stock Option and
                        Incentive Plan

      10.2              First Federal Savings Bank of Dover Recognition and
                        Retention Plan and Trust Agreement

      10.3              FFD Financial Corporation 2002 Stock Option Plan for
                        Non-Employee Directors

      13                2003 Annual Report to Shareholders (the following parts
                        of which are incorporated herein by reference: "Market
                        Price of FFD's Common Shares and Related Shareholders'
                        Matters," "Management's Discussion and Analysis of
                        Financial Condition and Results of Operations" and
                        Consolidated Financial Statements)

      20                Proxy Statement for 2003 Annual Meeting of Shareholders

      21                Subsidiaries of FFD Financial Corporation

      31.1              Certification of Chief Executive Officer pursuant to
                        Section 302 of the Sarbanes-Oxley Act of 2002


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<PAGE>

      31.2              Certification of Chief Financial Officer pursuant to
                        Section 302 of the Sarbanes-Oxley Act of 2002

      32.1              Certification of Chief Executive Officer pursuant to
                        Section 906 of the Sarbanes-Oxley Act of 2002

      32.2              Certification of Chief Financial Officer pursuant to
                        Section 906 of the Sarbanes-Oxley Act of 2002

(b)  Reports on Form 8-K

     On April 25, 2003, FFD filed a Form 8-K to report the issuance of a press
release regarding its earnings for the quarter ended March 31, 2003.


                                       2
<PAGE>

                                   SIGNATURES

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

                                        FFD FINANCIAL CORPORATION


                                        By: /s/ Trent B. Troyer
                                           --------------------------------
                                           Trent B. Troyer
                                           President and Chief Executive Officer

                                        Date: May 10, 2004


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<PAGE>

                                INDEX TO EXHIBITS

<TABLE>
<CAPTION>
    EXHIBIT
     NUMBER         DESCRIPTION
     ------         -----------
<S>                 <C>                                         <C>
     3.1            Articles of Incorporation of FFD            Incorporated by reference to the Registration Statement on
                    Financial Corporation                       Form S-1 filed by FFD on December 15, 1995 (the "S-1") with
                                                                the Securities and Exchange Commission (the "SEC"), Exhibit
                                                                3.1.

     3.2            Certificate of Amendment to Articles of     Incorporated by reference to Pre-Effective Amendment No. 1 to
                    Incorporation of FFD Financial              the S-1 filed with the SEC on February 1, 1996
                    Corporation                                 ("Pre-Effective Amendment No. 1"), Exhibit 3.2.

     3.3            Certificate of Amendment to Articles of     Incorporated by reference to Pre-Effective Amendment No. 1,
                    Incorporation of FFD Financial              Exhibit 3.3.
                    Corporation

     3.4            Code of Regulations of FFD Financial        Incorporated by reference to the S-1, Exhibit 3.3.
                    Corporation

     10.1           FFD Financial Corporation 1996 Stock        Incorporated by reference to the Form 10-KSB for the year
                    Option and Incentive Plan                   ended June 30, 1998, as filed with the SEC on EDGAR on
                                                                September 28, 1998 (SEC File No. 000-27916) (the "1998
                                                                10-KSB"), Exhibit 10.1.

     10.2           First Federal Savings Bank of Dover         Incorporated by reference to the 1998 Form 10-KSB, Exhibit
                    Recognition and Retention Plan and Trust    10.2.
                    Agreement

     10.3           FFD Financial Corporation 2002 Stock        Incorporated by reference to the Form 10-KSB for the year ended
                    Option Plan for Non-Employee Directors      June 30, 2003, as filed with the SEC on EDGAR on September 29, 2003
                                                                (SEC file No. 000-27916)(the "2003 10-KSB")

     13             FFD Financial Corporation 2003 Annual       Filed herewith.
                    Report to Shareholders

     20             Proxy Statement for 2003 Annual Meeting     Incorporated by reference to the Proxy Statement for the 2003
                    of Shareholders                             Annual Meeting of Shareholders filed with the SEC on
                                                                September 22, 2003.

     21             Subsidiaries of FFD Financial Corporation   Incorporated by reference to the Annual Report on Form 10-KSB
                                                                for the fiscal year ended June 30, 1996, filed with the SEC
                                                                on EDGAR on September 27, 1996 (SEC File No. 000-27916),
                                                                Exhibit 21.

     31.1           Certification of Chief Executive Officer    Filed herewith.
                    pursuant to Section 302 of the
                    Sarbanes-Oxley Act of 2002

     31.2           Certification of Chief Financial Officer    Filed herewith.
                    pursuant to Section 302 of the
                    Sarbanes-Oxley Act of 2002

     32.1           Certification of Chief Executive Officer    Filed herewith.
                    pursuant to Section 906 of the
                    Sarbanes-Oxley Act of 2002
</TABLE>


                                       4

<PAGE>

     32.2           Certification of Chief Financial Officer    Filed herewith.
                    pursuant to Section 906 of the
                    Sarbanes-Oxley Act of 2002