UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                   FORM 10-QSB

(Mark One)

[X]      QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES
           EXCHANGE ACT OF 1934

For the quarterly period ended            September 30, 2000
                                ----------------------------------------------

                                       OR

[  ]     TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT

For the transition period from ____________ to _______________

Commission File Number:                      0-27916
                         ---------------------------------------

                            FFD FINANCIAL CORPORATION
------------------------------------------------------------------------------
        (Exact name of small business issuer as specified in its charter)

               Ohio                                        34-1921148
-------------------------------               ---------------------------------
(State or other jurisdiction of               (IRS Employer Identification No.)
incorporation or organization)

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

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

-----------------------------------------------------------------------------
(Former  name,  former  address and former  fiscal year,  if changed  since last
report)

                APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY
                   PROCEEDINGS DURING THE PRECEDING FIVE YEARS

Check whether the issuer filed all documents and reports required to be filed by
Section 12, 13 or 15(d) of the Exchange Act after the distribution of securities
under a plan confirmed by a court.

Yes [    ]                 No  [    ]

                      APPLICABLE ONLY TO CORPORATE ISSUERS

State the number of shares outstanding of each of the issuer's classes of common
equity, as of the latest practicable date:   November 9, 2000 - 1,391,383 shares
of common stock

Transitional Small Business Disclosure Format (Check one):  Yes [  ]     No [X]




                               Page 1 of 14 pages

<PAGE>



                                      INDEX

                                                                         Page

PART I  - FINANCIAL INFORMATION

          Consolidated Statements of Financial Condition                   3

          Consolidated Statements of Earnings                              4

          Consolidated Statements of Comprehensive Income                  5

          Consolidated Statements of Cash Flows                            6

          Notes to Consolidated Financial Statements                       8

          Management's Discussion and Analysis of
          Financial Condition and Results of
          Operations                                                      10


PART II - OTHER INFORMATION                                               13

SIGNATURES                                                                14




























                                        2



<PAGE>


                            FFD Financial Corporation
<TABLE>
<CAPTION>

                 CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

                        (In thousands, except share data)

                                                                                      September 30,            June 30,
         ASSETS                                                                                2000                2000
<S>                                                                                           <C>                  <C>
Cash and due from banks                                                                    $  1,409            $    934
Interest-bearing deposits in other financial institutions                                     2,542               1,485
                                                                                            -------             -------
         Cash and cash equivalents                                                            3,951               2,419

Investment securities available for sale - at market                                          2,900               2,875
Mortgage-backed securities available for sale - at market                                     8,743               9,135
Mortgage-backed securities held to maturity - at amortized cost,
  approximate market value of $3,992 and $4,188 as of
  September 30, 2000 and June 30, 2000                                                        3,987               4,189
Loans receivable - net                                                                      102,910             102,118
Loans held for sale                                                                             820                 821
Office premises and equipment - at depreciated cost                                           1,231               1,253
Real estate acquired through foreclosure                                                        125                  -
Federal Home Loan Bank stock - at cost                                                        1,691               1,652
Accrued interest receivable                                                                     440                 429
Prepaid expenses and other assets                                                               135                 181
Prepaid federal income taxes                                                                     57                  61
Deferred federal income taxes                                                                    -                   14
                                                                                            -------             -------

         Total assets                                                                      $126,990            $125,147
                                                                                            =======             =======

         LIABILITIES AND SHAREHOLDERS' EQUITY

Deposits                                                                                   $ 82,101            $ 77,987
Advances from the Federal Home Loan Bank                                                     27,876              30,412
Accrued interest payable                                                                        209                 202
Other liabilities                                                                               411                 281
Deferred federal income taxes                                                                    54                  -
                                                                                            -------             -------
         Total liabilities                                                                  110,651             108,882

Shareholders' equity
  Preferred stock - authorized 1,000,000 shares without par
    value; no shares issued                                                                      -                   -
  Common shares - authorized 5,000,000 shares without par or
    stated value, 1,454,750 shares issued                                                        -                   -
  Additional paid-in capital                                                                  7,850               7,850
  Retained earnings - restricted                                                             10,457              10,288
  Accumulated comprehensive losses, unrealized losses
    on securities designated as available for sale,
    net of related tax effects                                                                 (221)               (335)
  Shares acquired by stock benefit plans                                                     (1,025)             (1,028)
  Less 63,367 and 42,367 shares of treasury stock - at cost                                    (722)               (510)
                                                                                            -------             -------
         Total shareholders' equity                                                          16,339              16,265
                                                                                            -------             -------

         Total liabilities and shareholders' equity                                        $126,990            $125,147
                                                                                            =======             =======
</TABLE>


                                        3


<PAGE>


                            FFD Financial Corporation
<TABLE>
<CAPTION>

                       CONSOLIDATED STATEMENTS OF EARNINGS

                    For the three months ended September 30,
                      (In thousands, except per share data)


                                                                                               2000                1999
<S>                                                                                            <C>                 <C>
Interest income
  Loans                                                                                      $2,021              $1,597
  Mortgage-backed securities                                                                    272                 293
  Investment securities, interest-bearing
    deposits and other                                                                           53                  32
                                                                                              -----               -----
         Total interest income                                                                2,346               1,922

Interest expense
  Deposits                                                                                      916                 762
  Borrowings                                                                                    471                 302
                                                                                              -----               -----
         Total interest expense                                                               1,387               1,064
                                                                                              -----               -----

         Net interest income                                                                    959                 858

Provision for losses on loans                                                                    25                   9
                                                                                              -----               -----

         Net interest income after provision
           for losses on loans                                                                  934                 849

Other income
  Gain (loss) on sale of loans                                                                   (7)                  5
  Other operating                                                                                46                  33
                                                                                              -----               -----
         Total other income                                                                      39                  38

General, administrative and other expense
  Employee compensation and benefits                                                            251                 272
  Occupancy and equipment                                                                        54                  58
  Federal deposit insurance premiums                                                              6                  10
  Franchise taxes                                                                                55                  68
  Data processing                                                                                58                  42
  Other operating                                                                               155                 132
                                                                                              -----               -----
         Total general, administrative and other expense                                        579                 582
                                                                                              -----               -----

         Earnings before income taxes                                                           394                 305

Federal income taxes
  Current                                                                                       123                  82
  Deferred                                                                                        9                  22
                                                                                              -----               -----
         Total federal income taxes                                                             132                 104
                                                                                              -----               -----

         NET EARNINGS                                                                        $  262              $  201
                                                                                              =====               =====

         EARNINGS PER SHARE
           Basic                                                                               $.20                $.15
                                                                                                ===                 ===

           Diluted                                                                             $.20                $.14
                                                                                                ===                 ===
</TABLE>



                                        4


<PAGE>


                            FFD Financial Corporation
<TABLE>
<CAPTION>

                 CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

                    For the three months ended September 30,
                                 (In thousands)


                                                                                               2000                1999
<S>                                                                                            <C>                  <C>
Net earnings                                                                                  $ 262               $ 201

Other comprehensive income, net of tax:
  Unrealized holding gains (losses) on securities
    during the period, net of tax of $59 and $(18) in
    2000 and 1999, respectively                                                                 114                 (35)
                                                                                               ----                ----

Comprehensive income                                                                          $ 376               $ 166
                                                                                               ====                ====

Accumulated comprehensive losses                                                              $(221)              $(251)
                                                                                               ====                ====

</TABLE>

































                                        5



<PAGE>


                            FFD Financial Corporation
<TABLE>
<CAPTION>

                      CONSOLIDATED STATEMENTS OF CASH FLOWS

                    For the three months ended September 30,
                                 (In thousands)

                                                                                                 2000              1999
<S>                                                                                              <C>                <C>
Cash flows from operating activities:
  Net earnings for the period                                                                  $  262            $  201
  Adjustments to reconcile net earnings to net cash
  provided by (used in) operating activities:
    Amortization of discounts and premiums on loans,
      investments and mortgage-backed securities - net                                              3                14
    Amortization of deferred loan origination (fees) costs                                          5               (19)
    Depreciation and amortization                                                                  35                34
    Provision for losses on loans                                                                  25                 9
    (Gain) loss on sale of mortgage loans                                                          (2)                1
    Loans originated for sale in the secondary market                                            (475)             (814)
    Proceeds from sale of loans in the secondary market                                           478               751
    Federal Home Loan Bank stock dividends                                                        (39)              (22)
    Amortization expense of stock benefit plans                                                     3                -
    Increase (decrease) in cash due to changes in:
      Accrued interest receivable                                                                 (11)                4
      Prepaid expenses and other assets                                                            46                89
      Accrued interest payable                                                                      7                24
      Other liabilities                                                                           130               173
      Federal income taxes
        Current                                                                                     4               (24)
        Deferred                                                                                    9                22
                                                                                                -----             -----
         Net cash provided by operating activities                                                480               443

Cash flows provided by (used in) investing activities:
  Principal repayments on mortgage-backed securities                                              739             1,059
  Loan principal repayments                                                                     4,415             2,793
  Loan disbursements                                                                           (5,362)           (6,834)
  Purchase of office premises and equipment                                                       (13)               (1)
  Purchase of Federal Home Loan Bank stock                                                         -               (103)
                                                                                                -----             -----
         Net cash used in investing activities                                                   (221)           (3,086)

Cash flows provided by (used in) financing activities:
  Net increase in deposit accounts                                                              4,114               103
  Proceeds from Federal Home Loan Bank advances                                                    -              2,618
  Repayment of Federal Home Loan Bank advances                                                 (2,536)              (26)
  Dividends on common stock                                                                       (93)             (123)
  Purchase of treasury stock                                                                     (212)             (348)
                                                                                                -----             -----
         Net cash provided by financing activities                                              1,273             2,224
                                                                                                -----             -----

Net increase (decrease) in cash and cash equivalents                                            1,532              (419)

Cash and cash equivalents at beginning of period                                                2,419             3,011
                                                                                                -----             -----

Cash and cash equivalents at end of period                                                     $3,951            $2,592
                                                                                                =====             =====
</TABLE>


                                        6


<PAGE>


                            FFD Financial Corporation
<TABLE>
<CAPTION>

                CONSOLIDATED STATEMENTS OF CASH FLOWS (CONTINUED)

                    For the three months ended September 30,
                                 (In thousands)

                                                                                                 2000              1999
<S>                                                                                              <C>                <C>
Supplemental  disclosure of cash flow  information:
  Cash paid during the period for:
    Federal income taxes                                                                       $  120            $  106
                                                                                                =====             =====

    Interest on deposits and borrowings                                                        $1,380            $1,040
                                                                                                =====             =====

Supplemental disclosure of noncash investing activities:
  Unrealized gains (losses) on securities designated as available
    for sale, net of related tax effects                                                       $  114            $  (35)
                                                                                                =====             =====

  Recognition of mortgage servicing rights in accordance
    with SFAS No. 125                                                                          $    4            $    6
                                                                                                =====             =====

  Transfers from mortgage loans to real estate acquired
    through foreclosure                                                                        $  125            $   -
                                                                                                =====             =====

  Unrealized losses on loans held for sale                                                     $  (13)           $   -
                                                                                                =====             =====

</TABLE>





























                                        7



<PAGE>


                            FFD Financial Corporation

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

             For the three months ended September 30, 2000 and 1999


    1.   Basis of Presentation

    The accompanying  unaudited  consolidated financial statements were prepared
    in  accordance  with  instructions  for Form 10-QSB and,  therefore,  do not
    include  information or footnotes  necessary for a complete  presentation of
    financial position,  results of operations and cash flows in conformity with
    generally  accepted  accounting  principles.  Accordingly,  these  financial
    statements  should be read in conjunction  with the  consolidated  financial
    statements   and  notes   thereto   of  FFD   Financial   Corporation   (the
    "Corporation")  included  in the Annual  Report on Form  10-KSB for the year
    ended June 30, 2000. However, in the opinion of management,  all adjustments
    (consisting  of only normal  recurring  accruals)  which are necessary for a
    fair  presentation  of the  financial  statements  have been  included.  The
    results of operations  for the three month period ended  September 30, 2000,
    are not necessarily  indicative of the results which may be expected for the
    entire fiscal year.

    2.   Principles of Consolidation

    The accompanying  consolidated  financial statements include the accounts of
    the  Corporation and First Federal Savings Bank of Dover (the "Savings Bank"
    or  "First  Federal").   All  significant   intercompany   items  have  been
    eliminated.

    3.   Effects of Recent Accounting Pronouncements

    In June 1998, the Financial  Accounting  Standards Board (the "FASB") issued
    Statement of Financial  Accounting  Standards ("SFAS") No. 133,  "Accounting
    for Derivative  Instruments and Hedging Activities," which requires entities
    to recognize all derivatives in their financial  statements as either assets
    or  liabilities  measured at fair  value.  SFAS No. 133 also  specifies  new
    methods of accounting  for hedging  transactions,  prescribes  the items and
    transactions that may be hedged,  and specifies  detailed criteria to be met
    to qualify for hedge accounting.

    The  definition  of a derivative  financial  instrument  is complex,  but in
    general,  it is an  instrument  with  one or  more  underlyings,  such as an
    interest  rate or  foreign  exchange  rate,  that is  applied  to a notional
    amount,  such  as  an  amount  of  currency,  to  determine  the  settlement
    amount(s).  It generally requires no significant  initial investment and can
    be settled  net or by delivery  of an asset that is readily  convertible  to
    cash.  SFAS No. 133  applies to  derivatives  embedded  in other  contracts,
    unless the  underlying  of the  embedded  derivative  is clearly and closely
    related to the host contract.










                                        8



<PAGE>


                            FFD Financial Corporation

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)

             For the three months ended September 30, 2000 and 1999


    3.   Effects of Recent Accounting Pronouncements (continued)

    SFAS No.  133, as amended by SFAS No. 137,  is  effective  for fiscal  years
    beginning  after June 15,  2000.  On  adoption,  entities  are  permitted to
    transfer  held-to-maturity  debt  securities  to the  available-for-sale  or
    trading  category  without  calling into question their intent to hold other
    debt securities to maturity in the future.  Management  adopted SFAS No. 133
    effective  July  1,  2000,  as  required,  without  material  impact  on the
    Corporation's financial statements.

    In September  2000 the FASB issued SFAS No. 140,  "Accounting  for Transfers
    and Servicing of Financial Assets and Extinguishments of Liabilities," which
    revises the standards for accounting for securitizations and other transfers
    of financial  assets and collateral and requires  certain  disclosures,  but
    carries over most of the provisions of SFAS No. 125 without reconsideration.
    SFAS No. 140 is effective for  transfers  and servicing of financial  assets
    and  extinguishments  of  liabilities  occurring  after March 31, 2001.  The
    Statement is effective for  recognition and  reclassification  of collateral
    and for disclosures  relating to securitization  transactions and collateral
    for  fiscal  years  ending  after  December  15,  2000.  SFAS No. 140 is not
    expected to have a material effect on the Corporation's  financial  position
    or results of operations.

    4.  Earnings Per Share

    Basic earnings per share is computed based upon the weighted-average  common
    shares  outstanding  during  the  period  less  shares in the FFD  Financial
    Corporation  Employee Stock Ownership Plan (the "ESOP") that are unallocated
    and not  committed to be released.  Weighted-average  common  shares  deemed
    outstanding,  which gives effect to 75,026 unallocated ESOP shares,  totaled
    1,332,973   for  the  three  month   period   ended   September   30,  2000.
    Weighted-average  common  shares deemed  outstanding,  which gives effect to
    85,744 unallocated ESOP shares, totaled 1,366,726 for the three month period
    ended September 30, 1999.

    Diluted  earnings  per share is computed  taking into  consideration  common
    shares  outstanding and dilutive  potential common shares to be issued under
    the Corporation's stock option plan.  Weighted-average  common shares deemed
    outstanding  for purposes of computing  diluted  earnings per share  totaled
    1,337,480 for the three month period ended September 30, 2000, and 1,397,612
    for the three month period ended  September  30,  1999.  Incremental  shares
    related to the assumed exercise of stock options included in the computation
    of diluted  earnings per share  totaled 4,507 and 30,886 for the three month
    periods ended September 30, 2000 and 1999, respectively.

    Options to purchase  3,552  shares of common  stock with a  weighted-average
    exercise  price of $11.75 were  outstanding  at September 30, 2000, but were
    excluded from the computation of common share  equivalents  during the three
    months ended September 30, 2000,  because their exercise prices were greater
    than the average market price of the common shares.





                                        9



<PAGE>


                            FFD Financial Corporation

           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
                            AND RESULTS OF OPERATIONS


Discussion  of Financial  Condition  Changes from June 30, 2000 to September 30,
2000

The  Corporation's  total  assets at  September  30,  2000,  amounted  to $127.0
million, a $1.8 million, or 1.5%, increase over the total at June 30, 2000. This
increase was funded primarily through growth in deposits of $4.1 million,  which
was  partially  offset by a $2.5 million  decrease in advances  from the Federal
Home Loan Bank ("FHLB").

Cash and cash  equivalents  and  investment  securities  totaled $6.9 million at
September  30, 2000, an increase of $1.6  million,  or 29.4%,  over the total at
June 30, 2000.

Mortgage-backed  securities  totaled  $12.7  million at  September  30,  2000, a
$594,000,  or 4.5%,  decrease  from the total at June 30,  2000.  This  decrease
resulted primarily from principal repayments.

Loans  receivable,  including  loans held for sale,  totaled  $103.7  million at
September  30,  2000,  an increase of $791,000,  or .8%,  over the June 30, 2000
total.  Loan  disbursements  during the period totaled $5.8 million,  which were
partially  offset by principal  repayments of $4.4 million and loans sold in the
secondary market of $476,000. Loans secured primarily by commercial real estate,
which  amounted to $32.6 million at September 30, 2000 and $30.7 million at June
30, 2000, accounted for most of the growth in the loan portfolio. Nonresidential
real estate  lending is generally  considered to involve a higher degree of risk
than residential  real estate lending due to the relatively  larger loan amounts
and the effects of general  economic  conditions on the successful  operation of
income-producing properties. The Savings Bank has endeavored to reduce such risk
by evaluating  the credit  history and past  performance  of the  borrower,  the
location of the real  estate,  the quality of the  management  constructing  and
operating the property,  the debt service ratio, the quality and characteristics
of the income stream  generated by the property and  appraisals  supporting  the
property's valuation.

The  allowance  for loan losses  totaled  $400,000 and $375,000 at September 30,
2000 and June 30,  2000,  which  represented  .39% and .36% of total  loans  and
187.79%  and  166.67%  of  nonperforming   loans  at  those  respective   dates.
Nonperforming loans amounted to $213,000 and $225,000 at September 30, 2000, and
June 30, 2000, respectively. Although management believes that its allowance for
loan losses at September  30, 2000, is adequate  based upon the available  facts
and  circumstances,  there can be no assurance  that additions to such allowance
will not be  necessary  in future  periods,  which  could  adversely  affect the
Corporation's results of operations.

Deposits  totaled $82.1 million at September 30, 2000, a $4.1 million,  or 5.3%,
increase  over total  deposits at June 30, 2000.  FHLB  advances  totaled  $27.9
million at September 30, 2000, a $2.5 million,  or 8.3%,  decrease from June 30,
2000.  Proceeds  from the increase in deposits were  primarily  used to fund the
repayment of FHLB advances and loan originations.

The Savings Bank is required to meet minimum  capital  standards  promulgated by
the Office of Thrift  Supervision  ("OTS").  At September 30, 2000,  the Savings
Bank's   regulatory   capital  was  well  in  excess  of  such  minimum  capital
requirements.



                                       10



<PAGE>


                            FFD Financial Corporation

           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
                      AND RESULTS OF OPERATIONS (CONTINUED)


Comparison of Operating  Results for the Three Month Periods Ended September 30,
2000 and 1999

General

The  Corporation's  net  earnings  totaled  $262,000  for the three months ended
September 30, 2000, an increase of $61,000,  or 30.3%,  over the net earnings of
$201,000 recorded in the comparable period in 1999. The increase in net earnings
resulted  primarily  from an increase of $101,000 in net interest  income and an
increase of $1,000 in other income,  which were offset by an increase of $16,000
in the provision for losses on loans and an increase of $28,000 in the provision
for federal income taxes.

Net Interest Income

Total  interest  income  increased  by  $424,000,  or 22.1%,  to a total of $2.3
million for the three months  ended  September  30, 2000,  compared to the three
month period ended  September 30, 1999.  Interest  income on loans  increased by
$424,000, or 26.5%, due primarily to an increase of approximately $13.9 million,
or 15.5%, in the average loan portfolio balance  outstanding,  coupled with a 68
basis point increase in the yield. Interest income on mortgage-backed securities
decreased  by  $21,000,  or 7.2%,  due  primarily  to a decrease  in the average
balance   outstanding.    Interest   income   on   investment   securities   and
interest-bearing  deposits  increased by $21,000,  or 65.6%,  due primarily to a
$584,000, or 9.8%, increase in the weighted-average  outstanding balance coupled
with a 109 basis point increase in the yield earned on such investments.

Interest  expense on deposits  increased  by $154,000,  or 20.2%,  for the three
months  ended  September  30,  2000,  compared to the same  period in 1999,  due
primarily to an  approximate  $8.0  million,  or 11.1%,  increase in the average
deposit portfolio balance outstanding, coupled with a 35 basis point increase in
the average cost of deposits.

Interest  expense on borrowings  increased by $169,000,  or 56.0%, due to a $4.2
million,  or 17.0%,  increase  in the average  balance of  advances  outstanding
coupled with a 162 basis point increase in the cost of such funds.

As a result of the foregoing  changes in interest  income and interest  expense,
net interest income increased by $101,000,  or 11.8%, for the three months ended
September 30, 2000, compared to the same period in 1999.

Provision for Losses on Loans

A  provision  for  losses on loans is  charged  to  earnings  to bring the total
allowance for loan losses to a level considered  appropriate by management based
on historical loss experience,  the volume and type of lending  conducted by the
Savings Bank,  the status of past due principal and interest  payments,  general
economic  conditions,  particularly  as such  conditions  relate to the  Savings
Bank's market area,  and other factors  related to the  collectibility  of First
Federal's loan portfolio.  As a result of such analysis,  management  elected to
record a provision for losses on loans  totaling  $25,000 during the three month
period ended  September  30, 2000,  an increase of $16,000  compared to the same
period in 1999.  The current  quarter  provision was  predicated  primarily upon
growth in the portfolio of loans secured by  nonresidential  real estate.  There
can be no  assurance  that the loan loss  allowance  of the Savings Bank will be
adequate to cover losses on nonperforming assets in the future.

                                       11


<PAGE>


                            FFD Financial Corporation

           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
                      AND RESULTS OF OPERATIONS (CONTINUED)


Comparison of Operating  Results for the Three Month Periods Ended September 30,
2000 and 1999 (continued)

Other Income

Other income totaled  $39,000 for the three months ended  September 30, 2000, an
increase of $1,000, or 2.6%, over the 1999 total. The increase was due primarily
to a $13,000,  or 39.4%,  increase in NOW account  service  fees and income from
late charges,  which was partially  offset by a $12,000 decrease in gain on sale
of loans year to year.

General, Administrative and Other Expense

General,  administrative and other expense totaled $579,000 for the three months
ended  September  30, 2000, a decrease of $3,000,  or .5%,  compared to the same
period in 1999.  The  decrease  in  general,  administrative  and other  expense
resulted primarily from a $21,000,  or 7.7%,  decrease in employee  compensation
and benefits, which was partially offset by $23,000, or 17.4%, increase in other
operating  expense.  The decrease in employee  compensation and benefits was due
primarily to a reduction in staffing levels coupled with a reduction in employee
benefits costs year to year. The increase in other operating  expenses  included
approximately  $13,000  in fees paid for  outsourcing  of  compliance  and other
consulting  services.  The remaining increase of $10,000, or 7.6%, was comprised
primarily  of pro-rata  increases  in other  operating  expenses  related to the
Corporation's overall growth year to year.

Federal Income Taxes

The Corporation  recorded a provision for federal income taxes totaling $132,000
for the three months ended September 30, 2000, an increase of $28,000, or 26.9%,
over the same period in 1999. The increase  resulted  primarily from an $89,000,
or 29.2%,  increase in earnings before taxes. The effective tax rates were 33.5%
and 34.1% for the three months ended September 30, 2000 and 1999, respectively.




















                                       12


<PAGE>


                            FFD Financial Corporation

                                     PART II


ITEM 1.  Legal Proceedings

         Not applicable


ITEM 2.  Changes in Securities and Use of Proceeds

         Not applicable


ITEM 3.  Defaults Upon Senior Securities

         Not applicable


ITEM 4.  Submission of Matters to a Vote of Security Holders

          On  October  17,  2000,  the  Annual  Meeting  of  the   Corporation's
          Shareholders  was  held.  Each of the four  directors  nominated  were
          elected to terms expiring in 2002 by the following votes:

                                              For                Withheld

           Stephen R. Clinton            1,189,091                  27,127
           Robert R. Gerber              1,194,387                  21,831
           Richard J. Herzig             1,186,673                  29,545
           Enos L. Loader                1,194,821                  21,397

          One other  matter was  submitted  to the  shareholders,  for which the
          following votes were cast:

          Ratification  of the  appointment of Grant Thornton LLP as independent
          auditors of the Corporation for the fiscal year ended June 30, 2001.

          For:  1,203,865           Against:  6,903           Abstain:  5,450

ITEM 5.  Other Information

         None

ITEM 6.  Exhibits and Reports on Form 8-K

         (a)     Exhibits:

                   27:                    Financial data schedule for the three
                                          months ended September 30, 2000.


         (b)     Reports on Form 8-K:     On October 20, 2000, an 8-K under
                                          Item 5 was filed to report certain
                                          management position changes at FFD
                                          Financial Corporation.


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<PAGE>



                            FFD Financial Corporation

                                   SIGNATURES


Pursuant  to the  requirements  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.





Date:    November 10, 2000                 By:  /s/Trent Troyer
       -----------------------                  -------------------------
                                                  Trent Troyer
                                                  President





Date:    November 10, 2000                 By:  /s/Robert R. Gerber
       -----------------------                  -------------------------
                                                  Robert R. Gerber
                                                  Chief Financial Officer






























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