FORM 10-QSB

                    U. S. SECURITIES AND EXCHANGE COMMISSION
                             Washington, D. C. 20549

(Mark One)

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

For the quarterly period ended         September 30, 1999
                               --------------------------------------------

                                       OR

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

For the transition period from ____________ to _______________

Commission File No.     0-27916

                            FFD FINANCIAL CORPORATION
        (Exact name of small business issuer as specified 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                                      (Zip Code)
executive office)

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

Check  whether  the issuer  (1) has 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


As of November 9, 1999, the latest  practicable  date,  1,417,283  shares of the
registrant's common stock, without par value, were issued and outstanding.









                               Page 1 of 15 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                                             14

SIGNATURES                                                                15






























                                        2



<PAGE>

<TABLE>

                            FFD Financial Corporation
<CAPTION>

                 CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

                        (In thousands, except share data)

                                                                                      September 30,            June 30,
         ASSETS                                                                                1999                1999
<S>                                                                                           <C>                   <C>
Cash and due from banks                                                                    $  1,172            $    844
Interest-bearing deposits in other financial institutions                                     1,420               2,167
                                                                                            -------             -------
         Cash and cash equivalents                                                            2,592               3,011

Investment securities available for sale - at market                                          2,900               2,924
Mortgage-backed securities available for sale - at market                                    10,175              10,978
Mortgage-backed  securities  held to maturity - at amortized  cost,
  approximate market value of $4,614 and $4,907 as of
  September 30, 1999 and June 30, 1999                                                        4,480               4,779
Loans receivable - net                                                                       90,468              86,417
Loans held for sale                                                                           1,027                 965
Office premises and equipment - at depreciated cost                                           1,331               1,364
Federal Home Loan Bank stock - at cost                                                        1,326               1,201
Accrued interest receivable                                                                     325                 329
Prepaid expenses and other assets                                                               120                 209
Prepaid federal income taxes                                                                    140                 116
                                                                                            -------             -------

         Total assets                                                                      $114,884            $112,293
                                                                                            =======             =======

         LIABILITIES AND SHAREHOLDER' EQUITY

Deposits                                                                                   $ 72,128            $ 72,025
Advances from the Federal Home Loan Bank and other borrowings                                26,208              23,616
Accrued interest payable                                                                        170                 146
Other liabilities                                                                               423                 250
Deferred federal income taxes                                                                    56                  52
                                                                                            -------             -------
         Total liabilities                                                                   98,985              96,089

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                                                                  7,798               7,798
  Retained earnings - restricted                                                              9,928               9,850
  Unrealized losses on securities designated as available for sale,
    net of related tax effects                                                                 (251)               (216)
  Shares acquired by stock benefit plans                                                     (1,207)             (1,207)
  Less 30,334 and 1,334 shares of treasury stock - at cost                                     (369)                (21)
                                                                                            -------             -------
         Total shareholders' equity                                                          15,899              16,204
                                                                                            -------             -------

         Total liabilities and shareholders' equity                                        $114,884            $112,293
                                                                                            =======             =======
</TABLE>




                                        3


<PAGE>

<TABLE>

                            FFD Financial Corporation
<CAPTION>

                       CONSOLIDATED STATEMENTS OF EARNINGS

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


                                                                                               1999                1998
<S>                                                                                            <C>                  <C>
Interest income
  Loans                                                                                      $1,597              $1,318
  Mortgage-backed securities                                                                    293                 238
  Investment securities, interest-bearing
    deposits and other                                                                           32                  69
                                                                                              -----               -----
         Total interest income                                                                1,922               1,625

Interest expense
  Deposits                                                                                      762                 752
  Borrowings                                                                                    302                 167
                                                                                              -----               -----
         Total interest expense                                                               1,064                 919
                                                                                              -----               -----

         Net interest income                                                                    858                 706

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

         Net interest income after provision
           for losses on loans                                                                  849                 706

Other income
  Gain on sale of loans                                                                           5                  -
  Other operating                                                                                33                  25
                                                                                              -----               -----
         Total other income                                                                      38                  25

General, administrative and other expense
  Employee compensation and benefits                                                            285                 308
  Occupancy and equipment                                                                        58                  59
  Federal deposit insurance premiums                                                             10                   9
  Franchise taxes                                                                                68                  70
  Data processing                                                                                42                  36
  Other operating                                                                               119                  88
                                                                                              -----               -----
         Total general, administrative and other expense                                        582                 570
                                                                                              -----               -----

         Earnings before income taxes                                                           305                 161

Federal income taxes
  Current                                                                                        82                 (69)
  Deferred                                                                                       22                 124
                                                                                              -----               -----
         Total federal income taxes                                                             104                  55
                                                                                              -----               -----

         NET EARNINGS                                                                        $  201              $  106
                                                                                              =====               =====

         EARNINGS PER SHARE
           Basic                                                                               $.15                $.08
                                                                                                ===                 ===

           Diluted                                                                             $.14                $.08
                                                                                                ===                 ===
</TABLE>



                                        4


<PAGE>

<TABLE>

                            FFD Financial Corporation
<CAPTION>

                 CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

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


                                                                         1999                1998
<S>                                                                      <C>                  <C>
Net earnings                                                            $ 201               $ 106

Other comprehensive income, net of tax:
  Unrealized holding gains (losses) on securities
    during the period                                                     (35)                 68
                                                                         ----                ----

Comprehensive income                                                    $ 166               $ 174
                                                                         ====                ====

Accumulated comprehensive losses                                        $(251)              $(216)
                                                                         ====                ====
</TABLE>


































                                        5



<PAGE>

<TABLE>

                            FFD Financial Corporation
<CAPTION>

                      CONSOLIDATED STATEMENTS OF CASH FLOWS

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

                                                                            1999              1998
<S>                                                                          <C>               <C>
Cash flows from operating activities:
  Net earnings for the period                                             $  201            $  106
  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                        14                 9
    Amortization of deferred loan origination fees                           (19)              (25)
    Depreciation and amortization                                             34                32
    Provision for losses on loans                                              9                -
    (Gain) loss on sale of mortgage loans                                      1                (1)
    Loans originated for sale in the secondary market                       (814)           (2,074)
    Proceeds from sale of loans in the secondary market                      751             1,660
    Federal Home Loan Bank stock dividends                                   (22)              (17)
    Increase (decrease) in cash due to changes in:
      Accrued interest receivable                                              4                48
      Prepaid expenses and other assets                                       89                67
      Accrued interest payable                                                24                57
      Other liabilities                                                      173               206
      Federal income taxes
        Current                                                              (24)             (202)
        Deferred                                                              22               124
                                                                           -----             -----
         Net cash provided by (used in) operating activities                 443               (10)

Cash flows provided by (used in) investing activities:
  Purchase of investment securities                                           -             (1,500)
  Proceeds from maturities of investment securities                           -                500
  Purchase of mortgage-backed securities                                      -             (4,577)
  Principal repayments on mortgage-backed securities                       1,059               977
  Loan principal repayments                                                2,793             2,243
  Loan disbursements                                                      (6,834)           (4,818)
  Purchase of office premises and equipment                                   (1)              (66)
  Purchase of Federal Home Loan Bank stock                                  (103)               -
                                                                           -----             -----
         Net cash used in investing activities                            (3,086)           (7,241)

Cash flows provided by (used in) financing activities:
  Net increase in deposit accounts                                           103             2,950
  Proceeds from Federal Home Loan Bank advances                            2,618             4,500
  Repayment of Federal Home Loan Bank advances                               (26)               -
  Proceeds from other borrowed money                                          -                150
  Dividends on common stock                                                 (123)             (109)
  Purchase of treasury stock                                                (348)               -
                                                                           -----             -----
         Net cash provided by financing activities                         2,224             7,491
                                                                           -----             -----

Net increase (decrease) in cash and cash equivalents                        (419)              240

Cash and cash equivalents at beginning of period                           3,011             1,633
                                                                           -----             -----

Cash and cash equivalents at end of period                                $2,592            $1,873
                                                                           =====             =====

</TABLE>

                                        6


<PAGE>

<TABLE>

                            FFD Financial Corporation
<CAPTION>

                CONSOLIDATED STATEMENTS OF CASH FLOWS (CONTINUED)

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

                                                                                  1999              1998
<S>                                                                               <C>                <C>
Supplemental  disclosure of cash flow  information:
  Cash paid during the period for:
    Federal income taxes                                                        $  106              $133
                                                                                 =====               ===

    Interest on deposits and borrowings                                         $1,040              $862
                                                                                 =====               ===

Supplemental disclosure of noncash investing activities:
  Unrealized gains (losses) on securities designated as available
    for sale, net of related tax effects                                        $  (35)             $ 68
                                                                                 =====               ===

  Recognition of mortgage servicing rights in accordance
    with SFAS No. 125                                                           $    6              $-
                                                                                 =====               ===
</TABLE>
































                                        7



<PAGE>


                            FFD Financial Corporation

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

             For the three months ended September 30, 1999 and 1998


    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, 1999. 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, 1999,
    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"). 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, 1999 and 1998


    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.  SFAS No. 133 is not expected to
    have a material impact on the Corporation's financial statements.

    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 85,744 unallocated ESOP shares,  totaled
    1,366,726   for  the  three  month   period   ended   September   30,  1999.
    Weighted-average  common  shares deemed  outstanding,  which gives effect to
    98,861 unallocated ESOP shares, totaled 1,346,489 for the three month period
    ended September 30, 1998.

    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
    1,397,612 for the three month period ended September 30, 1999, and 1,401,513
    for the three month period ended  September  30,  1998.  Incremental  shares
    related to the assumed exercise of stock options included in the computation
    of diluted  earnings  per share  totaled  30,886 for the three month  period
    ended  September  30,  1999,  and 55,024 for the three  month  period  ended
    September 30, 1998, respectively.




















                                        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, 1999 to September 30,
1999

The  Corporation's  total  assets at  September  30,  1999,  amounted  to $114.9
million, a $2.6 million, or 2.3%, increase over the total at June 30, 1999. This
increase was funded  primarily  through an increase in advances from the Federal
Home Loan Bank  ("FHLB")  and other  borrowings  of $2.6  million  and growth in
deposits of $103,000.

Cash and cash  equivalents  and  investment  securities  totaled $5.5 million at
September 30, 1999, a decrease of $443,000,  or 7.5%, from the total at June 30,
1999,  as excess  liquidity  was used to fund new loan  originations  during the
quarter.

Mortgage-backed  securities  totaled $14.7 million at September 30, 1999, a $1.1
million,  or 7.0%,  decrease  from the  total at June 30,  1999.  This  decrease
resulted primarily from principal repayments.

Loans  receivable  totaled  $91.5  million at September 30, 1999, an increase of
$4.1 million,  or 4.7%, over the June 30, 1999 total. Loan disbursements  during
the period  totaled  $7.6  million,  which were  partially  offset by  principal
repayments  of $2.8  million  and loans sold in the  secondary  market  totaling
$752,000.  Loan disbursements  during the three months ended September 30, 1999,
increased by $756,000,  or 11.0%,  compared to the origination volume during the
same period in 1998.

The  allowance  for loan losses  totaled  $278,000 and $269,000 at September 30,
1999 and June 30,  1999,  which  represented  .30% of total loans and 375.7% and
1,793.3% of nonperforming  loans at those respective dates.  Nonperforming loans
amounted  to $74,000 and  $15,000 at  September  30,  1999,  and June 30,  1999,
respectively. Although management believes that its allowance for loan losses at
September   30,  1999,  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  $72.1  million at September  30,  1999,  a $103,000,  or .1%,
increase  over  total  deposits  at June  30,  1999.  FHLB  advances  and  other
borrowings  totaled  $26.2  million at September  30, 1999, a $2.6  million,  or
11.0%,  increase over June 30, 1999.  Proceeds from the increase in deposits and
borrowings were primarily used to fund loan originations.

The Savings Bank is required to meet minimum  capital  standards  promulgated by
the Office of Thrift  Supervision  ("OTS").  At September 30, 1999,  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,
1999 and 1998

General

The  Corporation's  net  earnings  totaled  $201,000  for the three months ended
September 30, 1999, an increase of $95,000,  or 89.6%,  over the net earnings of
$106,000 recorded in the comparable period in 1998. The increase in net earnings
resulted  primarily  from an increase of $152,000 in net interest  income and an
increase of $13,000 in other income which were  partially  offset by an increase
of $12,000 in  general,  administrative  and other  expense  and an  increase of
$49,000 in the provision for federal income taxes.

Net Interest Income

Total  interest  income  increased  by  $297,000,  or 18.3%,  to a total of $1.9
million for the three months  ended  September  30, 1999,  compared to the three
month period ended  September 30, 1998.  Interest  income on loans  increased by
$279,000, or 21.2%, due primarily to an increase of approximately $16.9 million,
or 23.4%, in the average loan portfolio balance outstanding.  Interest income on
mortgage-backed  securities  increased by $55,000, or 23.1%, due primarily to an
increase  in the average  balance  outstanding,  coupled  with a decrease in the
yield earned on such  securities.  Interest income on investment  securities and
interest-bearing  deposits  decreased by $37,000,  or 53.6%,  due primarily to a
decrease in the related investment balance and a decrease in the yield earned on
such investments.

Interest expense on deposits increased by $10,000, or 1.3%, for the three months
ended September 30, 1999,  compared to the same period in 1998, due primarily to
an approximate  $8.7 million increase in the average deposit  portfolio  balance
outstanding,  which was  partially  offset by a decrease in the average  cost of
deposits.

Interest expense on borrowings increased by $135,000, or 80.8%, due primarily to
an increase in the average balance of advances outstanding.

As a result of the foregoing  changes in interest  income and interest  expense,
net interest income increased by $152,000,  or 21.5%, for the three months ended
September 30, 1999, compared to the same period in 1998.












                                       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,
1999 and 1998 (continued)

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  $9,000 during the three month
period ended  September 30, 1999. The current  quarter  provision was predicated
primarily upon growth in the loan portfolio.  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.

Other Income

Other income totaled  $38,000 for the three months ended  September 30, 1999, an
increase  of  $13,000,  or 52.0%,  over the 1998  total.  The  increase  was due
primarily  to a $5,000  gain on sale of loans in the 1999  three  month  period,
coupled with an $8,000, or 32.0%, increase in other operating income.

General, Administrative and Other Expense

General,  administrative and other expense totaled $582,000 for the three months
ended September 30, 1999, an increase of $12,000,  or 2.1%, compared to the same
period in 1998.  The  increase  in  general,  administrative  and other  expense
resulted  primarily from an increase of $31,000,  or 35.2%,  in other  operating
expense,  which was partially offset by a $23,000, or 7.5%, decrease in employee
compensation and benefits. The increase in other operating expense was comprised
primarily of increases in ATM charges, office supplies and 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 $104,000
for the three months ended September 30, 1999, an increase of $49,000, or 89.1%,
over the same period in 1998. The increase  resulted  primarily from a $144,000,
or 89.4%,  increase in earnings before taxes. The effective tax rates were 34.1%
and 34.2% for the three months ended September 30, 1999 and 1998, respectively.







                                       12


<PAGE>


                            FFD Financial Corporation

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


Year 2000 Compliance Matters

As with all providers of financial  services,  the Savings Bank's operations are
heavily  dependent  on  information  technology  systems.  The Savings  Bank has
addressed  the  potential  problems  associated  with the  possibility  that the
computers  that  control or operate the Savings  Bank's  information  technology
system and  infrastructure  may not be programmed to read  four-digit date codes
and, upon arrival of the year 2000, may recognize the two-digit code "00" as the
year 1900, causing systems to fail to function or to generate erroneous data.

As part of the awareness and assessment phases of its action plan related to the
Year 2000 problem, management identified the operating systems that it considers
critical to the on-going operations of the Savings Bank. Of the systems that the
Savings Bank identified as mission-critical, the most significant is the on-line
core account  processing  system  performed by a third party  service  provider,
Intrieve,  Inc. ("Intrieve").  Intrieve has converted its hardware to a new Year
2000  compliant  system.  The Savings  Bank's  conversion to this new system was
completed  during the fourth  calendar  quarter of 1998.  Intrieve  successfully
performed  Year 2000 proxy testing with several of its larger users during early
October 1998. The Savings Bank performed  final testing of its unique  equipment
configuration and communications link to Intrieve during November 1998.

The Savings Bank has developed a contingency  plan in case the  mission-critical
systems are not  successfully  renovated in a timely  manner or if they actually
fail at Year 2000 critical dates.  The contingency  plan states that the Savings
Bank deems the likelihood of failure of Intrieve's efforts to renovate Year 2000
changes to the on-line core  account  processing  system to be remote.  The plan
primarily  addresses action to deal with the possibility that Intrieve's  system
will be down for several  days or weeks upon  arrival of Year 2000.  The Savings
Bank has the ability to process  transactions  manually,  if  necessary,  or can
utilize  off-line  computer  processes  for a period of time until the  Intrieve
system would be available.

The Savings Bank has expended less than $10,000  through  September 30, 1999, in
connection  with its year  2000  compliance  program,  and  management  does not
anticipate additional significant expenditures.

In addition to possible  expense  related to its own  systems,  the Savings Bank
could  incur  losses if loan  payments  are  delayed  due to Year 2000  problems
affecting any major borrowers in the Savings Bank's primary market area. Because
the  Savings  Bank's  loan  portfolio  is  highly  diversified  with  regard  to
individual  borrowers and types of  businesses  and the Savings  Bank's  primary
market area is not  significantly  dependent upon one employer or industry,  the
Savings Bank does not expect any significant or prolonged difficulties that will
affect net earnings or cash flow.










                                       13


<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

         None.


ITEM 5.  Other Information

         None

ITEM 6.  Exhibits and Reports on Form 8-K

         Reports on Form 8-K:           None.

         Exhibits:

           27                           Financial  data  schedule for the  three
                                        months ended September 30, 1999.
















                                       14


<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 12, 1999                  By:  /s/Robert R. Gerber
      -------------------------                 ------------------------------
                                                Robert R. Gerber
                                                President and
                                                Principal Financial Officer




Date:   November 12, 1999                  By:  /s/Larry D. Browning
      -------------------------                 ------------------------------
                                                Larry D. Browning
                                                Chief Financial Officer






























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