UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D. C. 20552

                                    FORM 10-Q

[X]  Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange
     Act of 1934
For the quarterly period ended September 30, 2002.

[ ]  Transition  Report  pursuant  to  Section  13 or  15(d)  of the  Securities
     Exchange Act of 1934
For the transition period from                 to
                               ---------------    ---------------

Commission File Number   0-24948
                         -------

                                PVF Capital Corp.
       -----------------------------------------------------------------
             ( Exact name of registrant as specified in its charter)

         Ohio                                              34-1659805
--------------------------------------------------------------------------------
(State or other jurisdiction of                         (I.R.S. Employer
  incorporation or organization)                       Identification No.)

             30000 Aurora Road, Solon, Ohio                   44139
       ------------------------------------------------------------------
        (Address of principal executive offices)            (Zip Code)

                                 (440) 248-7171
        -----------------------------------------------------------------
              (Registrant's telephone number, including area code)

                                 Not Applicable
       -----------------------------------------------------------------
        (Former name, former address and former fiscal year, if changed
                               since last report.)

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

                                          YES  X     NO
                                              ---       ---

Indicate the number of shares  outstanding  of each of the  issuer's  classes of
common stock, as of the latest practicable date.

Common Stock, $0.01 Par Value                              5,797,527
-----------------------------                ---------------------------------
        (Class)                              (Outstanding at November 4, 2002)
<PAGE>

                                PVF CAPITAL CORP.

                                      INDEX

                                                                            Page

Part I   Financial Information

Item 1   Financial Statements

         Consolidated Statements of Financial
         Condition, September 30, 2002 (unaudited)
         and June 30,  2002.                                                 1

         Consolidated Statements of Operations for
         the three months ended September 30,
         2002 and 2001 (unaudited).                                          2

         Consolidated Statements of Cash Flows for
         the three months ended September 30, 2002
         and 2001 (unaudited).                                               3

         Notes to Consolidated Financial
         Statements (unaudited).                                             4

Item 2   Management's Discussion and Analysis of
         Financial Condition and Results of
         Operations                                                          6

Item 3   Quantitative and Qualitative Disclosures
         about Market Risk                                                  10

Item 4   Controls and Procedures                                            11

Part II  Other Information                                                  11


<PAGE>

Part I   FINANCIAL INFORMATION
ITEM 1

                                PVF CAPITAL CORP.
                 CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
<TABLE>
<CAPTION>

                                                                       SEPTEMBER 30,      JUNE 30,
              ASSETS                                                      2002              2002
              ------                                                    UNAUDITED
                                                                      -------------    -------------
<S>                                                                   <C>              <C>
Cash and cash equivalents:
     Cash and amounts due from depository institutions                $   4,224,053    $   4,526,976
     Interest bearing deposits                                            4,854,522        1,736,712
     Federal funds sold                                                      50,000        8,050,000
                                                                      -------------    -------------

Total cash and cash equivalents                                           9,128,575       14,313,688
Securities held to maturity                                              50,097,719       55,121,211
Mortgage-backed securities held to maturity                               5,875,719        7,297,206
Loans receivable, net                                                   581,356,399      563,550,556
Loans receivable held for sale, net                                      21,889,275       11,679,735
Office properties and equipment, net                                     10,459,354        9,817,348
Real estate owned, net                                                      541,537          564,316
Real estate held for investment                                           1,650,000        1,650,000
Stock in the Federal Home Loan Bank of Cincinnati                        10,079,039        9,947,624
Prepaid expenses and other assets                                         6,695,047        5,678,431
                                                                      -------------    -------------
Total Assets                                                          $ 697,772,664    $ 679,620,115
                                                                      =============    =============

       LIABILITIES AND STOCKHOLDERS' EQUITY
       ------------------------------------

Liabilities
   Deposits                                                           $ 484,534,115    $ 479,672,218
   Advances from the Federal Home Loan Bank of Cincinnati               130,725,347      120,739,695
   Notes payable                                                          7,770,050        8,288,020
   Advances from borrowers for taxes and insurance                        4,468,143        7,320,613
   Accrued expenses and other liabilities                                16,676,217       11,300,991
                                                                      -------------    -------------
Total Liabilities                                                       644,173,872      627,321,537

Stockholders' Equity
   Serial preferred stock, none issued                                           --               --
   Common stock, $0.01 par value, 15,000,000 shares authorized;
       6,065,087 and 6,045,352 shares issued, respectively                   60,651           60,454
   Additional paid-in-capital                                            37,239,976       37,342,458
   Retained earnings-substantially restricted                            19,122,436       17,697,883
   Treasury Stock, at cost 262,451 and 260,251 shares, respectively      (2,824,271)      (2,802,217)
                                                                      -------------    -------------
Total Stockholders' Equity                                               53,598,792       52,298,578
                                                                      -------------    -------------
Total Liabilities and Stockholders' Equity                            $ 697,772,664    $ 679,620,115
                                                                      =============    =============
</TABLE>

See accompanying notes to consolidated financial statements

                                     PAGE 1
<PAGE>
PART I   FINANCIAL INFORMATION
ITEM 1

                                PVF CAPITAL CORP.
                      CONSOLIDATED STATEMENTS OF OPERATIONS
                                   (UNAUDITED)
<TABLE>
<CAPTION>
                                                                        THREE MONTHS ENDED
                                                                           SEPTEMBER 30,
                                                                     -------------------------
                                                                         2002          2001
                                                                     -----------   -----------
<S>                                                                  <C>           <C>
Interest Income
   Loans                                                             $10,434,466   $11,610,131
   Mortgage-backed securities                                            100,332       241,824
   Cash and securities                                                   869,688     1,037,483
                                                                     -----------   -----------
               Total interest income                                  11,404,486    12,889,438
                                                                     -----------   -----------
Interest expense
   Deposits                                                            4,430,307     6,238,715
   Borrowings                                                          1,395,004     1,646,090
                                                                     -----------   -----------
               Total interest expense                                  5,825,311     7,884,805
                                                                     -----------   -----------
               Net interest income                                     5,579,175     5,004,633

Provision for loan losses                                                      0       125,000
                                                                     -----------   -----------
               Net interest income after provision for loan losses     5,579,175     4,879,633
                                                                     -----------   -----------
Noninterest income
   Service and other fees                                                129,424       135,947
   Mortgage banking activities, net                                      596,314       610,534
   Other, net                                                             24,090        34,805
                                                                     -----------   -----------
               Total noninterest income                                  749,828       781,286
                                                                     -----------   -----------
Noninterest expense
   Compensation and benefits                                           2,103,560     1,805,723
   Office properties and equipment                                       747,170       621,452
   Other                                                                 950,712       731,510
                                                                     -----------   -----------
               Total noninterest expense                               3,801,442     3,158,685
                                                                     -----------   -----------
               Income before federal income tax provision              2,527,561     2,502,234

Federal income tax provision                                             840,475       831,530
                                                                     -----------   -----------
               Net income                                            $ 1,687,086   $ 1,670,704
                                                                     ===========   ===========
Basic earnings per share                                             $      0.29   $      0.29
                                                                     ===========   ===========
Diluted earnings per share                                           $      0.29   $      0.28
                                                                     ===========   ===========
</TABLE>

See accompanying notes to consolidated financial statements

                                     PAGE 2
<PAGE>
PART I   FINANCIAL INFORMATION
ITEM 1

                                PVF CAPITAL CORP.
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                                   (UNAUDITED)
<TABLE>
<CAPTION>
                                                                                    THREE MONTHS ENDED
                                                                                      SEPTEMBER 30,
                                                                               ----------------------------
                                                                                   2002             2001
                                                                               ------------    ------------
<S>                                                                            <C>             <C>
OPERATING ACTIVITIES
   Net Income                                                                  $  1,687,086    $  1,670,704
   Adjustments to reconcile net income to net cash provided by (used in)
   operating activities
      Depreciation and amortization                                                 316,820         234,480
      Provision for loan losses                                                           0         125,000
      Accretion of unearned discount and deferred loan origination fees, net       (291,047)       (250,213)
      Gain on sale of loans, net                                                   (647,999)       (537,778)
      Federal Home Loan Bank stock dividends                                       (131,415)       (166,073)
      Change in accrued interest on investments, loans, and borrowings, net          24,778      (2,059,282)
      Origination of loans receivable held for sale, net                        (74,105,651)    (65,677,343)
      Sale of loans receivable held for sale, net                                64,544,110      66,831,738
      Net change in other assets and other liabilities, net                       1,500,868      (3,199,121)
                                                                              -------------    ------------
               Net cash provided by (used in) operating activities               (7,102,450)     (3,027,888)
                                                                              -------------    ------------

INVESTING ACTIVITIES
      Loan and mortgage-backed securities repayments and originations, net      (16,112,815)      7,587,947
      Disposals of real estate owned                                                 22,779               0
      Securities maturities                                                       5,023,492          22,073
      Additions to office properties and equipment, net                            (958,826)       (195,462)
      Change in real estate held for investment                                           0        (350,000)
                                                                              -------------    ------------
               Net cash provided by (used in) investing activities              (12,025,370)      7,064,558
                                                                              -------------    ------------
FINANCING ACTIVITIES
      Net increase in demand deposits, NOW, and passbook savings                  5,453,684       4,504,562
      Net decrease in time deposits                                                (591,787)    (19,564,465)
      Net increase (decrease) in Federal Home Loan Bank advances                  9,985,652     (45,016,799)
      Net increase (decrease) in notes payable                                     (517,970)        250,000
      Purchase of treasury stock                                                    (22,054)        (51,950)
      Proceeds from exercise of stock options                                        31,211           6,989
      Cash dividend paid                                                           (396,029)       (347,024)
                                                                              -------------    ------------
               Net cash provided by (used in) financing activities               13,942,707     (60,218,687)
                                                                              -------------    ------------

Net increase (decrease) in cash and cash equivalents                             (5,185,113)    (56,182,017)

Cash and cash equivalents at beginning of period                                 14,313,688      65,395,118
                                                                              -------------    ------------
Cash and cash equivalents at end of period                                    $   9,128,575    $  9,213,101
                                                                              =============    ============

Supplemental disclosures of cash flow information:
     Cash payments of interest expense                                         $  5,842,819    $  9,387,404
     Cash payments of income taxes                                             $    230,000    $          0
</TABLE>

See accompanying notes to consolidated financial statements

                                     PAGE 3
<PAGE>
Part I   Financial Information
Item 1

                                PVF CAPITAL CORP.

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

                           SEPTEMBER 30, 2002 AND 2001
                                   (UNAUDITED)

1. The accompanying  consolidated  interim financial statements were prepared in
accordance with  regulations of the Securities and Exchange  Commission for Form
10-Q.  All  information  in the  consolidated  interim  financial  statements is
unaudited  except for the June 30,  2002  consolidated  statement  of  financial
condition which was derived from the Corporation's audited financial statements.
Certain  information  required for a complete  presentation  in accordance  with
generally accepted accounting principles has been condensed or omitted. However,
in the opinion of management,  these interim  financial  statements  contain all
adjustments,  consisting only of normal recurring accruals,  necessary to fairly
present the interim  financial  information.  The results of operations  for the
three months ended  September  30, 2002 are not  necessarily  indicative  of the
results to be expected  for the entire year  ending June 30,  2003.  PVF Capital
Corp.'s common stock is traded on the NASDAQ  SMALL-CAP  ISSUES under the symbol
PVFC.

2.   Recently Issued Accounting Standards

SFAS No. 144  "Accounting  for the Impairment or Disposal of Long-Lived  Assets"
was  issued  in August  2001 and  amends  SFAS No.  121 by  addressing  business
segments accounted for as a discontinued  operation under Accounting  Principles
Board  Opinion No. 30. This  statement is effective  for fiscal years  beginning
after December 15, 2001. PVF adopted  statement 144 on July 1, 2002.  Management
determined  that the adoption of Statement 144 would not have a material  impact
on the Bank's consolidated financial statements.

SFAS No. 146  "Obligations  Associated  with Disposal  Activities" was issued in
July 2002.  This standard  covers  accounting for costs  associated with exit or
disposal  activities,  such as lease  termination  costs or  employee  severance
costs. The Statement  replaces EITF 94-3, and is to be applied  prospectively to
exit or disposal activities initiated after December 31, 2002. It requires these
costs to be recognized  when they are incurred rather than at date of commitment
to an exit or disposal  plan.  Management  has not yet  determined the impact of
adopting this standard.

                                     Page 4
<PAGE>
Part I   Financial Information
Item 1


3. The following table  discloses  earnings per share for the three months ended
September 30, 2002 and September 30, 2001.
<TABLE>
<CAPTION>
                                                                  Three months ended September 30,
                                                       2002                                         2001
                                      --------------------------------------        --------------------------------------
                                        Income        Shares      Per-Share           Income        Shares      Per-Share
                                      (Numerator)  (Denominator)    Amount          (Numerator)  (Denominator)    Amount
                                      -----------  -------------  ----------        -----------  -------------  ----------
<S>                                   <C>            <C>            <C>             <C>            <C>            <C>
BASIC EPS
 Income available to
  common stockholders                 $1,687,086     5,791,937      $ 0.29          $1,670,704     5,733,827      $ 0.29

EFFECT OF STOCK OPTIONS                                 61,061        0.00                           230,707        0.01

DILUTED EPS
 Income available to
  common stockholders                 $1,687,086     5,852,998      $ 0.29          $1,670,704     5,964,534      $ 0.28
</TABLE>


                                     Page 5
<PAGE>
Part I Financial Information
Item 2

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

The following analysis  discusses changes in financial  condition and results of
operations at and for the  three-month  period ended  September 30, 2002 for PVF
Capital  Corp.  ("PVF" or the  "Company"),  Park View Federal  Savings Bank (the
"Bank"), its principal and wholly-owned subsidiary,  PVF Service Corporation,  a
wholly-owned  real estate  subsidiary,  Mid Pines Land Co., a wholly-owned  real
estate subsidiary, and three other wholly-owned subsidiaries which are currently
inactive.

FORWARD-LOOKING STATEMENTS

When used in this Form 10-Q,  the words or phrases  "will likely  result,"  "are
expected  to," "will  continue,"  "is  anticipated,"  "estimate,"  "project," or
similar expressions are intended to identify "forward-looking statements" within
the  meaning of the  Private  Securities  Litigation  Reform  Act of 1995.  Such
statements are subject to certain risks and  uncertainties  including changes in
economic  conditions  in the  Company's  market  area,  changes in  policies  by
regulatory  agencies,  fluctuations in interest  rates,  demand for loans in the
Company's  market area and competition that could cause actual results to differ
materially  from  historical   earnings  and  those  presently   anticipated  or
projected.  The Company wishes to caution readers not to place undue reliance on
any such forward-looking  statements,  which speak only as of the date made. The
Company  wishes to advise readers that the factors listed above could affect the
Company's financial performance and could cause the Company's actual results for
future periods to differ  materially  from any opinions or statements  expressed
with respect to future periods in any current statements.

The Company does not undertake,  and specifically  disclaims any obligation,  to
publicly  release  the  results  of  any  revisions  which  may be  made  to any
forward-looking  statements to reflect events or circumstances after the date of
such  statements or to reflect the occurrence of  anticipated  or  unanticipated
events.

FINANCIAL CONDITION
-------------------

Consolidated  assets of PVF were $697.8  million as of September  30,  2002,  an
increase of  approximately  $18.2  million or 2.7% as compared to June 30, 2002.
The Bank remained in regulatory  capital  compliance  for  tangible,  core,  and
risk-based  capital on a fully  phased-in  basis with  capital  levels of 7.75%,
7.75% and 11.37% respectively at September 30, 2002.

During the three months ended  September 30, 2002,  the Company's  cash and cash
equivalents,  which consist of cash, interest-bearing deposits and federal funds
sold,  decreased  $5.2 million or 36.2% as compared to June 30, 2002. The change
in the Company's cash and cash equivalents  consisted of an increase in cash and
interest-

                                     Page 6
<PAGE>
Part I Financial Information
Item 2

FINANCIAL CONDITION CONTINUED
-----------------------------

bearing  deposits of $2.8  million and a decrease in federal  funds sold of $8.0
million.  Securities held to maturity decreased by $5.0 million as the result of
securities maturing during the period.

The net $26.6 million, or 4.6%, increase in loans receivable and mortgage-backed
securities  during the three months ended  September 30, 2002,  resulted from an
increase in loans  receivable  (including  loans held for sale) of $28.0 million
and a decrease in  mortgage-backed  securities of $1.4 million.  The increase of
$28.0  million  in loans  receivable  included  increases  of $18.2  million  in
single-family loans, $10.2 million in commercial real estate loans, $2.2 million
in construction loans and $0.1 million in consumer loans, offset by decreases of
$2.4 million in multi-family  loans and $0.3 million in land loans. The decrease
in mortgage-backed  securities  resulted from payments received of $1.4 million.
The increase of the loan portfolio was  attributable to economic  conditions and
resulted in the Bank originating  primarily fixed-rate loans available for sale.
The loan  activity  for the quarter  ended  September  30,  2002  resulted in no
material change to the composition of the portfolio.

Deposits increased by $4.9 million,  or 1.0%, as a result of special promotional
rates  offered  with the opening of two new branch  offices.  Advances  from the
Federal Home Loan Bank of Cincinnati  increased by $10.0 million,  or 8.3%, as a
result of management's decision to take advantage of historically low short-term
borrowing rates.

The  increase in accrued  expenses and other  liabilities  of $5.4  million,  or
47.6%, is primarily the result of timing differences  between the collection and
remittance of payments received on loans serviced for investors. The decrease in
advances from  borrowers for taxes and insurance of $2.9 million,  or 39.0%,  is
due to timing  differences  between the  collection and payment of escrow funds.
The decrease in notes  payable of $0.5 million is the result of payments made on
notes payable.

The  decrease  in cash and  cash  equivalents  of $5.2  million,  proceeds  from
maturing  securities of $5.0 million,  increases in deposits of $4.9 million and
advances of $10.0  million,  the  repayment of $1.4  million in  mortgage-backed
securities,  funds of $5.4 million  collected on serviced loans, and earnings of
$1.7  million  were  used to  fund  the  increase  of  $28.0  million  in  loans
receivable,  fund  the  increase  of  $0.6  million  in  office  properties  and
equipment,  pay a cash  dividend  of $0.4  million and offset the  reduction  in
advances from borrowers for taxes and insurance of $2.8 million.

                                     Page 7
<PAGE>
Part I Financial Information
Item 2


RESULTS OF OPERATIONS       Three months ended September 30, 2002
---------------------       Compared to the three months ended
                            September 30, 2001.

PVF's net income is dependent primarily on its net interest income, which is the
difference  between  interest  earned on its loans and  investments and interest
paid  on  interest-bearing   liabilities.  Net  interest  income  also  includes
amortization of loan  origination  fees, net of origination  costs. Net interest
income  is  determined  by  (i)  the   difference   between   yields  earned  on
interest-earning   assets  and  rates  paid  on   interest-bearing   liabilities
("interest-rate  spread")  and (ii) the  relative  amounts  of  interest-earning
assets and interest-bearing  liabilities.  The Company's interest-rate spread is
affected by regulatory, economic and competitive factors that influence interest
rates, loan demand and deposit flows.

PVF's net income is also  affected by the  generation  of  non-interest  income,
which  primarily  consists of loan  servicing  income,  service  fees on deposit
accounts,  and  gains  on the sale of  loans  held for sale and  mortgage-backed
securities available for sale. In addition,  net income is affected by the level
of operating expenses,  loan loss provisions and market valuation  write-down of
mortgage loan servicing rights.

The  Company's  net income for the three  months  ended  September  30, 2002 was
$1,687,000.  This represents a $16,400, or 1.0%, increase when compared with the
prior year comparable period.

Net interest  income for the three months ended  September 30, 2002 increased by
$574,500,  or 11.5%, as compared to the prior year comparable  period,  due to a
decrease of $1,485,000,  or 11.5%,  in total  interest  income and a decrease in
total interest expense of $2,059,500,  or 26.1%,  from the prior year comparable
period.  The  decrease in total  interest  income of  $1,485,000  in the current
period  resulted  from a  decrease  of $1.9  million in the  average  balance of
interest-earning  assets, along with a decline in the return on interest-earning
assets of 89 basis points from the prior year comparable period. The decrease in
total  interest  expense of  $2,059,500  in the current  period  resulted from a
decrease in the average  balances on deposits  and  borrowings  of $6.4  million
along  with a  decrease  of 131  basis  points in the  average  cost of funds on
interest-bearing   liabilities  from  the  prior  year  comparable  period.  The
Company's net interest income increased  primarily  because of an increase of 42
basis points in the Company's  interest-rate spread during the current period as
compared to the prior year comparable period.

For the three months ended  September  30, 2002 no provision for loan losses was
recorded,  while a provision  for loan losses of  $125,000  was  recorded in the
prior  year  comparable  period.  The  Company  uses a  systematic  approach  to
determine the adequacy of its loan loss  allowance  and the necessary  provision
for loan losses. The loan

                                     Page 8
<PAGE>
Part I Financial Information
Item 2


RESULTS OF OPERATIONS CONTINUED
-------------------------------

portfolio is reviewed and delinquent loan accounts are analyzed  individually on
a monthly basis, with respect to payment history,  ability to repay, probability
of repayment, and loan-to-value percentage.  Consideration is given to the types
of loans in the portfolio and the overall risk inherent in the portfolio.  After
reviewing  current economic  conditions,  changes to the size and composition of
the loan portfolio, changes in delinquency status, levels of non-accruing loans,
non-performing  assets,  impaired loans,  and actual loan losses incurred by the
Company,  management establishes an appropriate reserve percentage applicable to
each  category  of loans,  and a  provision  for loan  losses is  recorded  when
necessary to bring the allowance to a level  consistent  with this analysis.  In
August 2002, management conducted a review of the reserve percentages applicable
to each category of loan and made  adjustments to certain loan  categories  that
reflect  current market risk  conditions.  Management  believes it uses the best
information  available  to  make  a  determination  as to  the  adequacy  of the
allowance for loan losses.

During the three months ended  September 30, 2002,  the Company  experienced  an
increase in the loan  portfolio of $28.0 million and an increase in the level of
classified  assets of $2.5  million.  In addition,  the level of impaired  loans
decreased by $0.2 million.  Management determined it was not necessary to record
a  provision  for loan losses in the current  period due to the  application  of
revised  reserve  percentages  to certain  loan  categories  and a  decrease  in
impaired  loans.  During the three months ended  September 30, 2001, the Company
experienced  increases in the level of impaired loans and  classified  assets of
$0.2  million  and $0.2  million,  respectively.  Despite a decrease in the loan
portfolio of $3.4  million,  management  determined it was necessary to record a
provision  for loan  losses of $125,000  in the period due to  increases  in the
levels of impaired loans and classified assets as well as changes to the overall
composition  of the loan  portfolio in the prior period.  At September 30, 2002,
the  allowance  for loan losses was $3.9  million,  which  represented  51.4% of
nonperforming  loans and 0.65% of net loans. At June 30, 2002, the allowance for
loan losses was $3.9 million, which represented 50.0% of nonperforming loans and
0.68% of net loans.

For the three months ended September 30, 2002,  noninterest  income decreased by
$31,400,  or 4.0%,  from the prior year  comparable  period.  The  decrease  was
primarily  the  result  of a  decrease  of  $14,200,  or 2.3%,  in  income  from
mortgage-banking  activities resulting from an increase of $110,200 in profit on
loan sales in the  current  period  offset by a  decrease  of  $124,400  in loan
servicing  income.  The decrease in loan servicing income is attributable to the
write-down of the future value of mortgage loan  servicing  rights that resulted
from declining market interest rates and an increased  prepayment speed on loans
serviced for others. During these periods, PVF pursued a strategy of originating
long-term,  fixed-rate loans pursuant to Federal Home Loan Mortgage

                                     Page 9
<PAGE>
Part I Financial Information
Item 2


RESULTS OF OPERATIONS CONTINUED
-------------------------------


Corporation   ("FHLMC")  and  Federal  National  Mortgage  Association  ("FNMA")
guidelines and selling such loans to the FHLMC or the FNMA,  while retaining the
servicing.

In addition,  other noninterest  income, net decreased by $10,700,  or 30.8%, in
the current period primarily due to a decrease in income generated from internal
appraisals.  Service and other fees decreased by $6,500, or 4.8%, from the prior
year comparable period, primarily due to decreases in loan service fee income in
the current period.

Noninterest  expense for the three months ended  September 30, 2002 increased by
$642,800,  or 20.3%, from the prior year comparable  period.  This was primarily
the result of a  $297,800,  or 16.5%,  increase  in  compensation  and  benefits
attributable to increased staffing, employee 401(k) benefits,  incentive bonuses
paid,  and salary and wage  adjustments.  In  addition,  office  properties  and
equipment increased by $125,700,  or 20.2%,  primarily due to the opening of two
new  branch  offices  along  with  increases  in office  rental  expense.  Other
noninterest expense increased by $219,200,  or 30.0%, due primarily to increases
in legal fees,  advertising expense,  costs for outside services attributable to
opening two new branch offices and the relocation of an existing  branch office,
stationery  printing and  supplies,  postage and special  mail,  and real estate
owned expense.

The federal income tax provision for the three-month period's  ended  September
30, 2002 and September 30, 2001 was at an effective rate of 33.2%.


LIQUIDITY AND CAPITAL RESOURCES
-------------------------------

The Company's  liquidity measures its ability to fund loans and meet withdrawals
of deposits  and other cash  outflows  in a  cost-effective  manner.  Management
believes the Company  maintains  sufficient  liquidity  to meet its  operational
needs.


Part I Financial Information
Item 3

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
----------------------------------------------------------

There have been no  significant  changes  to the  Company's  interest  rate risk
position or any changes to how the Company manages its Asset/Liability  position
since June 30,  2002.  This is  attributable  to the  Company's  Asset/Liability
Management  policy of  monitoring  and  matching  the  maturity  and  re-pricing
characteristics of its interest-earning assets and interest-bearing liabilities,
while  remaining  short-term with the weighted  average  maturity and re-pricing
periods.

                                    Page 10
<PAGE>

Part I Financial Information
Item 4


CONTROLS AND PROCEDURES
-----------------------

Within 90 days prior to the date of this report,  we carried out an  evaluation,
under the  supervision  and with the  participation  of our principal  executive
officer and principal  financial officer, of the effectiveness of the design and
operation of our disclosure  controls and procedures.  Based on this evaluation,
our principal  executive officer and principal  financial officer concluded that
our disclosure  controls and procedures are effective in timely alerting them to
material  information  required to be included in our periodic  SEC reports.  It
should be noted that the design of any system of  controls is based in part upon
certain  assumptions about the likelihood of future events,  and there can be no
assurance  that any design will succeed in achieving  its stated goals under all
potential future conditions, regardless of how remote.

In addition,  there have been no significant changes in our internal controls or
in other factors that could  significantly  affect those controls  subsequent to
the date of their last evaluation.


Part II OTHER INFORMATION
-------------------------

Item 1.    Legal Proceedings. N/A

Item 2.    Changes in Securities and Use of Proceeds.  N/A

Item 3.    Defaults Upon Senior Securities.  N/A

Item 4.    Submission of Matters to a Vote of Security Holders. N/A

Item 5.    Other Information.  N/A

Item 6.    Exhibits and Reports on Form 8-K.

    (a)    Exhibits

    The following exhibit is filed herewith:

        Exhibit
        Number                                       Title
        -------                                      -----

        99        Certification Pursuant to 18 U.S.C. Section 1350, as Adopted
                  Pursuant to Section 906 of the Sarbanes-Oxley Act of
                  2002

        (b)       Reports on Form 8-K

                  None

                                    Page 11
<PAGE>


                                    SIGNATURE
                                    ---------

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  had duly  caused  this  report  to be  signed  on its  behalf by the
undersigned, thereunto duly authorized.

                                         PVF Capital Corp.
                                         -----------------
                                           (Registrant)


Date:  November 14, 2002                 /s/ C. Keith Swaney
      -------------------                -----------------------------------
                                         C. Keith Swaney
                                         President, Chief Operating Officer
                                         and Treasurer
                                         (Only authorized officer and
                                         Principal Financial Officer)

<PAGE>

                                  CERTIFICATION


     I, John R. Male,  Chairman of the Board and Chief Executive  Officer of PVF
Capital Corp., certify that:


1. I have reviewed this quarterly report on Form 10-Q of PVF Capital Corp.;


2. Based on my  knowledge,  this  quarterly  report  does not contain any untrue
statement of a material fact or omit to state a material fact  necessary to make
the statements made, in light of the  circumstances  under which such statements
were made, not  misleading  with respect to the period covered by this quarterly
report;

3.  Based  on my  knowledge,  the  financial  statements,  and  other  financial
information  included in this quarterly  report,  fairly present in all material
respects the financial  condition,  results of operations  and cash flows of the
registrant as of, and for, the periods presented in this quarterly report;

4.  The  registrant's  other  certifying  officers  and  I are  responsible  for
establishing and maintaining  disclosure  controls and procedures (as defined in
Exchange Act Rules 13a-14 and 15d-14) for the registrant and we have:

a) designed  such  disclosure  controls and  procedures  to ensure that material
information relating to the registrant, including its consolidated subsidiaries,
is made known to us by others  within those  entities,  particularly  during the
period in which this quarterly report is being prepared;

b) evaluated  the  effectiveness  of the  registrant's  disclosure  controls and
procedures  as of a date  within  90  days  prior  to the  filing  date  of this
quarterly report (the "Evaluation Date"); and

c) presented in this quarterly report our conclusions about the effectiveness of
the  disclosure  controls  and  procedures  based  on our  evaluation  as of the
Evaluation  Date;

5. The registrant's other certifying officers and I have disclosed, based on our
most recent evaluation,  to the registrant's auditors and the audit committee of
the  registrant's  board or  directors  (or persons  performing  the  equivalent
function):

a) all significant  deficiencies in the design or operation of internal controls
which  could  adversely  affect the  registrant's  ability  to record,  process,
summarize and report  financial data
<PAGE>


and have  identified for the  registrant's  auditors any material  weaknesses in
internal  controls;  and

b) any  fraud,  whether  or not  material,  that  involves  management  or other
employees who have a significant role in the registrant's internal controls; and


6. The  registrant's  other  certifying  officers  and I have  indicated in this
quarterly  report  whether or not there  were  significant  changes in  internal
controls or in other factors that could  significantly  affect internal controls
subsequent to the date of our most recent  evaluation,  including any corrective
actions with regard to significant deficiencies and material weaknesses.

Date: November 14, 2002

                                    /s/ John R. Male
                                    --------------------------------------
                                    John R. Male
                                    Chairman of the Board and
                                    Chief Executive Officer
                                    (Principal Executive Officer)


<PAGE>

                                  CERTIFICATION


I, C. Keith Swaney,  President and Chief Operating Officer of PVF Capital Corp.,
certify that:

1. I have reviewed this quarterly report on Form 10-Q of PVF Capital Corp.;

2. Based on my  knowledge,  this  quarterly  report  does not contain any untrue
statement of a material fact or omit to state a material fact  necessary to make
the statements made, in light of the  circumstances  under which such statements
were made, not  misleading  with respect to the period covered by this quarterly
report;

3.  Based  on my  knowledge,  the  financial  statements,  and  other  financial
information  included in this quarterly  report,  fairly present in all material
respects the financial  condition,  results of operations  and cash flows of the
registrant as of, and for, the periods presented in this quarterly report;


4.  The  registrant's  other  certifying  officers  and  I are  responsible  for
establishing and maintaining  disclosure  controls and procedures (as defined in
Exchange  Act Rules  13a-14  and  15d-14)  for the  registrant  and we have:

a) designed  such  disclosure  controls and  procedures  to ensure that material
information relating to the registrant, including its consolidated subsidiaries,
is made known to us by others  within those  entities,  particularly  during the
period in which this quarterly report is being prepared;

b) evaluated  the  effectiveness  of the  registrant's  disclosure  controls and
procedures  as of a date  within  90  days  prior  to the  filing  date  of this
quarterly report (the "Evaluation Date"); and

c) presented in this quarterly report our conclusions about the effectiveness of
the  disclosure  controls  and  procedures  based  on our  evaluation  as of the
Evaluation Date;

5. The registrant's other certifying officers and I have disclosed, based on our
most recent evaluation,  to the registrant's auditors and the audit committee of
the  registrant's  board or  directors  (or persons  performing  the  equivalent
function):

a) all significant  deficiencies in the design or operation of internal controls
which  could  adversely  affect the  registrant's  ability  to record,  process,
summarize and report  financial data
<PAGE>

and have  identified for the  registrant's  auditors any material  weaknesses in
internal controls; and

b) any  fraud,  whether  or not  material,  that  involves  management  or other
employees who have a significant role in the registrant's internal controls; and

6. The  registrant's  other  certifying  officers  and I have  indicated in this
quarterly  report  whether or not there  were  significant  changes in  internal
controls or in other factors that could  significantly  affect internal controls
subsequent to the date of our most recent  evaluation,  including any corrective
actions with regard to significant deficiencies and material weaknesses.

Date: November 14, 2002


                                 /s/ C. Keith Swaney
                                 -----------------------------------------
                                 C. Keith Swaney
                                 President, Chief Operating
                                 Officer and Treasurer