Exhibit 10.10
 [PVF Capital Corp. Letterhead]
  
   1.
    
    You will retire from your position as President of PVF Service
Corporation effective as of the date of this letter. You acknowledge and agree
that, upon your retirement, your severance agreement with PVF Capital Corp. (the
Corporation) and Park View Federal Savings Bank (the Bank) is terminated, and
we will have no obligation to you under such agreement. The Bank will pay directly
up to $2,500 toward your cost of obtaining legal counsel regarding the matters
addressed in this letter.
 2.
    
    You will be entitled to receive an early retirement benefit under the
Park View Federal Savings Bank Supplemental Executive Retirement Plan in the amount
of $1,471,731. You understand that, under Section 409A of the Internal Revenue
Code of 1986, as amended, you are treated as a specified employee (as such term
is defined in Section 409A) and, therefore, your lump sum benefit in the amount
stated above will not be paid until the date that is six months and one day after
your retirement date (the Section 409A payment date). You acknowledge that in no
event will payment occur prior to the Section 409A payment date, whether at your
request or otherwise. The Corporation and the Bank affirm their obligation to pay
you the additional amounts described in paragraph 10 of the January 29, 2009 letter
agreement, if and when applicable.
 3.
    
    Subject to paragraph 5 below, we agree to continue your current
bank-provided health insurance coverage on the same terms as such coverage was made
available to you while you were employed by the bank through the earliest date that
you are eligible for Medicare coverage.




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4.
    
    Subject to paragraph 5 below, to ensure a smooth transition with
respect to matters within your current responsibilities and to ensure your
continued availability on a limited basis to provide advice to the Chief Executive
Officers on operations and customer matters, we will retain you as a consultant to
Park View Federal Savings Bank for a 12-month period following receipt of the approval
referenced in paragraph 5 below. You will provide these services as an independent
contractor at mutually agreeable times, either by telephone or at the banks
offices, for not more than eight (8) hours per week. In addition, you agree that,
during the 12-month consulting period, you will not become an officer, employee, or
director, of any savings bank, savings and loan association, savings and loan
holding company, credit union, bank or bank holding company, or any other entity
that competes with the business of the Corporation or the Bank and has offices
within twenty-five (25) miles of the Corporations headquarters in Solon, Ohio. In
consideration of these services and the foregoing restrictive covenant, we will pay
you $8,333 per month, payable on the first business day of each month, during the
12-month consulting period.
 5.
    
    You acknowledge that our ability to (i) provide continued health
insurance under paragraph 3 and (ii) enter into a consulting/noncompete arrangement
with you under paragraph 4, is subject to prior approval and/or receipt of
non-objection from the Office of Thrift Supervision and the Federal Deposit
Insurance Corporation. In the event that we are unable to obtain such approval,
neither you nor the Corporation or the Bank will have any obligation under
paragraphs 3 and 4 of this letter. We agree to request such approval not later
than 10 days after the date you execute this letter.
  Sincerely,/s/ Marty E. AdamsMarty AdamsInterim Chief Executive Officer