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               SECURITIES AND EXCHANGE COMMISSION
                    Washington, D.C.  20549
                        ---------------
                           FORM 10-K/A
                        (Amendment No. 1)
(Mark One)

/X/     ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
        EXCHANGE ACT OF 1934 [NO FEE REQUIRED]

For the fiscal year ended June 30, 1997

/ /     TRANSITIONAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
        EXCHANGE ACT OF 1934 [NO FEE REQUIRED]

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                   (I.R.S. EMPLOYER
       OF INCORPORATION OR ORGANIZATION)               IDENTIFICATION NO.)

      25350 ROCKSIDE ROAD, BEDFORD HTS., OHIO                 44146
      ----------------------------------------           ----------------
      (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES)              (ZIP CODE)

      REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE:  (216) 991-9600

Securities registered pursuant to Section 12(b) of the Act:  None
  Securities registered pursuant to Section 12(g) of the Act:

            COMMON STOCK (PAR VALUE $.01 PER SHARE)
            ---------------------------------------
                         Title of Class

Indicate by check mark whether the registrant (1) has filed all reports
required by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or 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 by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K is not contained herein, and will not be contained, to the
best of registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to
this Form 10-K. [X]

The registrant's voting stock is listed on the National Association of
Securities Dealers Automated Quotation ("Nasdaq") System Small-Cap Market under
the symbol "PVFC."  The aggregate market value of the voting stock held by
nonaffiliates of the registrant, based on the closing sales price of the
registrant's common stock as quoted on the Nasdaq System on September 5, 1997,
was $42,333,131.  For purposes of this calculation, it is assumed that
directors, executive officers and 5% stockholders of the registrant are
affiliates.  As of September 5, 1997, the registrant had 2,590,155 shares of
common stock outstanding.

                      DOCUMENTS INCORPORATED BY REFERENCE

 1.  Portions of Annual Report to Stockholders for the Fiscal Year Ended June
30, 1997.  (Parts I, II and IV)

 2.  Portions of Proxy Statement for the 1997 Annual Meeting of Stockholders.
(Part III)


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                              PART IV

ITEM 14.  FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM 8-K

(a)       1.   Independent Auditors' Report (incorporated by reference to the
               Annual Report)

               Consolidated Financial Statements (incorporated by reference to
               the Annual Report)

               (a)  Consolidated Statements of Financial
                    Condition, at June 30, 1997 and 1996

               (b)  Consolidated Statements of Operations for
                    the Years Ended June 30, 1997, 1996 and 1995

               (c)  Consolidated Statements of Stockholders'
                    Equity for the Years Ended June 30, 1997, 1996 and 1995

               (d)  Consolidated Statements of Cash Flows for
                    the Years Ended June 30, 1997, 1996 and 1995

               (e)  Notes to Consolidated Financial Statements.

          2.   All schedules have been omitted as the required information is 
               either inapplicable or included in the Notes to Consolidated 
               Financial Statements.


          3.   Exhibits and Index to Exhibits

               The following exhibits are either attached to or incorporated by
               reference in this Annual Report on Form 10-K.

<TABLE>
<CAPTION>


No.       Description
---       -----------
<S>       <C>                                                               <C>

3.1       Certificate of Incorporation                                        *
3.2       Code of Regulations                                                 *
3.3       Bylaws                                                              *
4         Specimen Stock Certificate                                          *
10.1      Park View Federal Savings Bank Conversion Stock Option Plan         *
10.2      PVF Capital Corp. 1996 Incentive Stock Option Plan                  *
13        PVF Capital Corp. Annual Report to Stockholders for the year ended
          June 30, 1997
21        Subsidiaries of the Registrant
23        Consent of KPMG Peat Marwick LLP
27        Financial Data Schedule

</TABLE>

____________________
*    Incorporated by reference to the Registrant's Annual Report on Form 10-K
     for the Year Ended June 30, 1996 (commission file number 0-24948).


(b)  During the last quarter of the fiscal year ended June 30, 1997, the
     Company did not file any Current Reports on Form 8-K.

(c)  All required exhibits are filed as attached.

(d)  No financial statement schedules are required.

                                     35

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                              SIGNATURES

     Pursuant to the requirements of Section 13 or 15(d) 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.

                                    PVF CAPITAL CORP.


April 9, 1998                       By: /s/ John R. Male
                                        -------------------------------------
                                        John R. Male
                                        President and Chief Executive Officer