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                         PARK VIEW FEDERAL SAVINGS BANK
                     SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN


                                    ARTICLE 1

                                   DEFINITIONS

Section 1.1    ADMINISTRATOR. The Administrator of the Plan shall be the
               Compensation Committee.

Section 1.2    ACTUARIAL EQUIVALENT. At any date, with respect to any Plan 
               Benefit hereunder, a payment or payments equal in the aggregate
               to the value at such date of such Plan Benefit determined
               actuarially on the basis of the current Pension Benefit Guarantee
               Corporation ("PBGC") interest rate and the mortality table
               currently used by the PBGC at such date.

Section 1.3    BANK. Park View Federal Savings Bank, a federally chartered 
               savings association, or any successor thereto as provided in
               Section 10.12 herein.

Section 1.4    BOARD. The Board of Directors of Park View Federal Savings Bank.

Section 1.5    COMPENSATION COMMITTEE. The Compensation Committee of the Board 
               of Directors of Park View Federal Savings Bank.

Section 1.6    CODE. The Internal Revenue Code of 1986, as amended, or as it may
               be amended from time to time.

Section 1.7    COMPANY. PVF Capital Corporation, an Ohio corporation, or any
               successor thereto as provided in Section 10.12 herein, or any
               subsidiary thereof.

Section 1.8    EFFECTIVE DATE. The effective date of the Plan shall be July 1,
               1998.

Section 1.9    PLAN. The Park View Federal Savings Bank Supplemental Executive
               Retirement Plan.

Section 1.10   PLAN Benefit. Retirement benefits payable under the Park View
               Federal Savings Bank Supplemental Executive Retirement Plan.

Section 1.11   PARTICIPANT. An employee who is eligible to participate in the 
               Park View Federal Savings Bank Supplemental Executive Retirement
               Plan.

Section 1.12   RETIREMENT DATE. The first day of any calendar month following
               the Participant's sixty fifth (65th) birthday on which the
               Participant elects to retire, or such earlier date as the Board,
               by resolution, may agree to grant the Participant early
               retirement.

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                                    ARTICLE 2

                                 PURPOSE OF PLAN

Section 2.1    PURPOSE. The Plan is designed to provide retirement benefits 
               payable out of the general assets of the Bank as provided in
               Article 4.


                                    ARTICLE 3

                                   ELIGIBILITY

Section 3.1    ELIGIBILITY. Eligibility to participate in the Plan is limited to
               Employees of the Bank who are designated by the Compensation
               Committee of the Board of Directors of the Bank.

                                    ARTICLE 4

                                    BENEFITS

Section 4.1    AMOUNT OF BENEFITS. The annual amount of benefits payable to each
               Participant under the Plan shall be equal to sixty percent (60%)
               of the Participant's Final Pay, reduced by the Actuarial
               Equivalent of the annual benefits payable to the Participant
               under the Bank's Qualified Retirement Plans consistent with the
               form of benefits paid under Section 4.2. For purposes of this
               Section, the reduction for benefits payable under Qualified
               Retirement Plans shall not include elective deferrals made by the
               employee and earnings thereon. For purposes of this Section,
               Final Pay shall be defined as the highest year's combined salary
               and target bonus (as defined in the Bank's Management Incentive
               Compensation Plan established July 1, 1997) during the last five
               years of the Participant's employment with the Bank. The
               determination of combined salary and target bonus shall include
               any amounts electively deferred by the Participant to any of the
               Bank's qualified or nonqualified employee benefit plans.

Section 4.2    FORM OF BENEFIT PAYMENTS. The benefits payable to or on behalf of
               a Participant as determined under Section 4.1 shall be paid in
               the form of a single life annuity or converted to the Actuarial
               Equivalent joint and survivor annuity.

               The Participant may petition the Compensation Committee of the
               Board to have the Plan Benefits payable under this Section
               converted to the Actuarial Equivalent single lump sum
               distribution.

Section 4.3    TIME OF BENEFIT PAYMENTS. Payment of benefits (annuity payments 
               or the lump sum equivalent of the annuity payments if approved by
               the Compensation Committee) due under the Plan to the Participant
               shall


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               commence on the Participant's Normal Retirement Date or, such
               earlier date as otherwise provided in this Agreement or as the
               Compensation Committee of the Board may, by resolution, otherwise
               determine. Subsequent annual payments of benefits shall be paid
               to the Participant each year, thereafter, on the anniversary date
               of the initial payment described in the previous sentence.
               Annuity payments shall continue for the lifetime of the
               Participant, or for the joint lives of the Participant and his or
               her spouse if actuarially converted pursuant to Section 4.2. In
               the event the Participant dies prior to commencement of benefit
               payments, the benefits payable shall be paid in a lump sum
               Actuarial Equivalent to the named beneficiary under Article 7
               herein within one year from the date of death of the Participant.


                                    ARTICLE 5

                                     VESTING

Section 5.1 PRO RATA VESTING. Provided that the Participant has remained
            continuously in the employ of the Bank (except for normal vacation
            time and such other leaves of absence as may be approved by the
            Board), the Participant shall vest in the Plan Benefits described
            in Article 4 of this Agreement each year, on a pro rata basis,
            beginning with the one year anniversary date of the effective date
            that the Participant becomes eligible to participate in the Plan
            and continuing with each succeeding annual anniversary date
            thereafter until the Participant's attainment of age sixty-five     
            (65). Upon the Participant's attainment of age sixty-five (65) and
            provided the Participant has remained continuously in the employ of
            the Bank, the Participant shall be fully vested in the Plan
            Benefits described in Article 4 of this Agreement.

Section 5.2 EXAMPLE. A Participant is age forty-five (45) at the effective date
            of this Agreement. Assuming the Participant remains in the employ
            of the Bank for another fifteen (15) years until he is age sixty
            (60), he will be entitled to an annual benefit under Article 4 and  
            Section 5.1 of this Agreement that is equal to forty-five percent
            (45%) of the Participant's highest combined salary and target bonus
            during the last five years of his employment determined as follows:

             15 years credited service  x 60% Final Pay =  45% Final Pay at
            --------------------------
             20 year vesting period                        age sixty-five (65)1

          Years of credited service shall be equal to the number of years the
          Participant remains in the employ of the Bank after becoming an
          eligible Participant of the Plan as determined by the Board.



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1 If payments begin earlier than age sixty-five (65), the benefit will be
actuarially reduced. If requested by the Participant and approved by the
Compensation Committee, the actuarially reduced lump sum equivalent may be paid
in lieu of annual benefits.

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               Vesting period shall be equal to the difference between
               sixty-five (65) and the Participant's age at the time he becomes
               a Participant in the Plan.

Section 5.3    DEATH OR DISABILITY. In the event that the Participant dies or
               becomes permanently and totally disabled while in the employ of
               the Bank and prior to age sixty-five (65), the Participant shall
               become fully vested in the Plan Benefits described in Article 4
               of this Agreement.

               (a) For purposes of this Agreement, total disability means the
               Participant's inability to engage in his or her occupation as a
               result of sickness or bodily injury.

               (b) If any dispute arises as to whether the Participant is or was
               physically or mentally unable to perform his duties pursuant to
               this Agreement, the parties shall submit such questions to a
               licensed physician agreed upon by the parties, or, if the parties
               are unable to agree, to a licensed physician appointed by the
               President of the Academy of Medicine of Cleveland located in
               Cleveland, Ohio, at the request of either party. The Participant
               shall submit to such examinations and provide information as such
               physician may request and the determination of such physical as
               to the Participant's physical or mental condition shall be
               binding and conclusive on the parties. The Bank agrees to pay the
               cost of any such physician and examinations.

Section 5.4    EARLY RETIREMENT. In the event the Participant wishes to retire
               prior to age sixty-five (65), the Compensation Committee of the
               Board may agree, by resolution, to fully vest the Participant in
               the entire Plan Benefit described in Article 4. The Compensation
               Committee of the Board may also agree, by resolution, and with
               the approval of the Participant, to begin payment of the
               Participant's Plan Benefits prior to the Participant's attainment
               of age sixty-five (65). Benefits commencing earlier than the
               Participant's age 65 will be actuarially reduced for the
               Participant's age at commencement.

Section 5.5    CHANGE IN CONTROL. (a) In the event of a change in control of the
               Company, the entire Plan Benefit described in Article 4 shall
               become fully vested and be immediately payable to the Participant
               in full.

               (b) For purposes of this Agreement, a change in control shall
               mean:

                    (i) The acquisition by a person or persons acting in concert
               of the power to vote twenty-five percent (25%) or more of a class
               of the Company's voting securities, or the acquisition by a
               person of the power to direct the Company's management or
               policies, if the Board of Directors or the Office of Thrift
               Supervision (the "OTS") or successor regulatory agency has made a
               determination that such acquisition constitutes or will
               constitute an acquisition of control of the Company for the
               purposes of the Savings and Loan Holding 

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               Company Act or the Change in Bank Control Act and the regulations
               thereunder (12 CFR Part 574 or any successor provision);


                    (ii) during the period of two (2) consecutive years during
               the term of this Agreement, individuals who at the beginning of
               such period constitute the Board of Directors of the Company
               cease for any reason to constitute at least a majority thereof,
               unless the election of each director who was not a director at
               the beginning of such period has been approved in advance by
               directors representing at least two thirds (2/3) of the directors
               then in office who were directors in office at the beginning of
               the period;

                    (iii) the Company shall have merged into or consolidated
               with another company, or merged another company into the Company,
               on a basis whereby less than fifty percent (50%) of the total
               voting power of the surviving company is represented by shares
               held by former shareholders of the Company prior to such merger
               or consolidation; or

                    (iv) The Company shall have sold (i) substantially all of
               its assets; or, (ii) the Bank, to another person. The term
               "person" refers to an individual, corporation, partnership,
               trust, association, joint venture, pool, syndicate, sole
               proprietorship, unincorporated organization or other entity.


                                    ARTICLE 6

                              TERMINATION FOR CAUSE

Section 6.1    In the event of the termination of the Participant for Cause, the
               Bank shall have no further obligations under this Agreement other
               than payment to the Participant at the Retirement Date of any
               vested portion of the Plan Benefit. For purposes of this
               Agreement, Cause shall be defined as termination as a result of
               the Participant's personal dishonesty, incompetence, willful
               misconduct, breach of fiduciary duty involving personal profit,
               intentional failure to perform stated duties, willful violation
               of any law, rule or regulation (other than traffic violations or
               similar offenses) or final cease-and-desist order or material
               breach of any provision of this Agreement.

Sections 6.2   If any events specified in Section 563.39(b)(2) through (5) of 
               the OTS Regulations (or any successor provision thereto) shall
               occur, the Participant's rights under this Agreement shall be
               determined in accordance with the provisions of such Sections.



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                                    ARTICLE 7

                             BENEFICIARY DESIGNATION

Section 7.1    BENEFICIARY DESIGNATION. Each Participant shall have the right, 
               at any time, to designate any person or persons as his
               Beneficiary or Beneficiaries (both primary and contingent) to
               whom payment under this Plan shall be paid in the event of death
               prior to complete distribution of the Participant's Plan Benefits
               under the Plan. Each Beneficiary Designation shall be in a
               written form prescribed by the Administrator and will be
               effective only when filed with the Administrator during the
               Participant's lifetime.

Section 7.2    AMENDMENTS. Any Beneficiary Designation may be changed by a
               Participant without the consent of any designated Beneficiary by
               the filing of a new Beneficiary Designation with the
               Administrator. The filing of a new Beneficiary Designation form
               will cancel all Beneficiary Designations previously filed.

Section 7.3    NO BENEFICIARY DESIGNATION. If any Participant fails to designate
               a Beneficiary in the manner provided above, or if the Beneficiary
               designated by a deceased Participant predeceases the Participant,
               the Administrator shall direct the Bank to distribute such
               Participant's remaining benefits under the Plan as follows:

               a. To the Participant's surviving spouse, if any; or

               b. If the Participant has no surviving spouse, then to the
                  Participant's children in equal shares by right of
                  representation; or

               c. If the Participant shall have no surviving spouse or
                  children, then to the Participant's estate; or

               d. In the absence of a will, in accordance with the intestate
                  statute of the Participant's domicile.

Section 7.4    EFFECT OF PAYMENT. Payment to the Beneficiary or as provided in
               Section 4.3 above, shall completely discharge the Bank's
               obligations under this Plan.

Section 7.5    DEATH OF BENEFICIARY. Following commencement of payment of 
               benefits under the Plan, if the Beneficiary designated by the
               deceased Participant dies before receiving complete distribution
               of such benefits any remaining benefits shall be paid:

               a. As designated by the Beneficiary in a written form prescribed
                  by the Administrator which is effective only when filed with 
                  the Administrator during the Beneficiary's lifetime; or

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               b. If the Beneficiary shall not have made such designation, then
                  to the Beneficiary's estate.

                                    ARTICLE 8

                                CLAIMS PROCEDURE

Section 8.1    CLAIM. Any person claiming a benefit under the Plan, requesting 
               an interpretation or ruling under the Plan, or requesting
               information under the Plan shall present the request in writing
               to the Administrator who shall respond in writing as soon as
               practicable, and in no event later than ninety (90) days after
               the date of the written request.

Section 8.2    DENIAL OF CLAIM. If the claim or request is denied, the written
               notice of denial shall be made within ninety (90) days of the
               date of receipt of such claim or request by the Administrator and
               shall state:

               a. The reason for denial, with specific reference to the Plan
                   provision on which the denial is based.

               b. A description of any additional material or information
                  required and an explanation of why it is necessary.

               c. An explanation of the Plan's claim review procedure.

Section 8.3    REVIEW OF CLAIM. Any person whose claim or request is denied or 
               who has not received a response within ninety (90) days may
               request review by notice given in writing to the Administrator
               within (60) days of receiving a response or one hundred fifty
               (150) days from the date the claim was received by the
               Administrator. The claim or request shall be reviewed by the
               Administrator who may, but shall not be required to, grant the
               claimant a hearing. On review, the claimant may have
               representation, examine pertinent documents, and submit issues
               and comments in writing.

Section 8.4    FINAL DECISION. The decision on review shall normally be made 
               within sixty (60) days after the Administrator's receipt of a
               request for review. If an extension of time is required for a
               hearing or other special circumstances, the claimant shall be
               notified and the time limit shall be one hundred twenty (120)
               days after the Administrator's receipt of a request for review.
               The decision shall be in writing and shall state the reasons and
               relevant Plan provision. All decisions on review shall be final
               and bind all parties concerned.


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                                    ARTICLE 9

                                AMENDMENT OF PLAN

Section 9.1    AMENDMENT OF PLAN. The Board may, at any time, amend the Plan in
               whole or in part, provided, however, that no amendment shall be
               effective to decrease or restrict any vested Plan Benefits
               accrued under the Plan.


                                   ARTICLE 10

                                  MISCELLANEOUS

Section 10.1   BENEFITS UNFUNDED. The benefits payable under the Plan shall be
               paid by the Bank each year out of its general assets.

Section 10.2   UNSECURED GENERAL CREDITOR. Participants have the status of
               unsecured general creditors of the Bank. The Bank's obligation
               under the Plan shall be merely that of an unfunded and unsecured
               promise of the Bank to make benefit payments in the future.

Section 10.3   NONASSIGNABILITY. Neither a Participant nor any other person 
               shall have any right to alienate, commute, sell, assign,
               transfer, pledge, anticipate, mortgage or otherwise encumber,
               transfer, hypothecate or convey in advance of actual receipt the
               amounts, if any, payable hereunder, or any part thereof, which
               are, and all rights which are, expressly declared to be
               unassignable and non-transferable. No part of the amounts payable
               shall, prior to actual payment, be subject to seizure or
               separation for the payment of any other person, nor be
               transferable by operation of law in the event of a Participant's
               or another person's bankruptcy or insolvency.

Section 10.4   PAYMENT OF TAXES. The Bank shall have the right to deduct from 
               all benefits paid hereunder any Federal, state or local taxes
               required to be withheld with respect to such benefit payments.

Section 10.5   NOT A CONTRACT OF EMPLOYMENT. The terms and conditions of this 
               Plan shall not be deemed to constitute a contract of employment
               between the Bank and the Participant, except as may otherwise be
               specifically provided herein. Moreover, nothing in this Plan
               shall be deemed to give the Participant the right to be retained
               in the service of the Bank or to interfere with the right of the
               Bank to discipline or discharge the Participant at any time.

Section 10.6   PARTICIPANT COOPERATION. A Participant will cooperate with the 
               Bank by furnishing any and all information requested by the Bank
               in order to facilitate the payment of benefits hereunder and such
               other action as may be requested by the Bank.

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Section 10.7   TERMS. Whenever any words are used herein in the masculine, they
               shall be construed as though they were used in the feminine in
               all cases where they would so apply; and wherever any words are
               used herein in the singular or in the plural, they shall be
               construed as though they were used in the plural or the singular,
               as the case may be, in all cases where they would so apply.

Section 10.8   CAPTION. The captions of articles, sections, and paragraphs of 
               the Plan are for convenience only and shall not control or affect
               the meaning or construction of any of its provisions.

Section 10.9   GOVERNING Law. This agreement shall, except to the extent that
               Federal Laws (including a law, rule or regulation of the OTS or
               Federal Deposit Insurance Corporation (FDIC)) shall be deemed to
               apply, be governed by and construed and enforced in accordance
               with the laws of Ohio.

Section 10.10  VALIDITY. In case any provision of this Plan shall be held 
               illegal or invalid for any reason, said illegality or invalidity
               shall not affect the remaining parts hereof, but this Plan shall
               be construed and enforced as if such illegal and invalid
               provision had never been inserted herein.

Section 10.11  NOTICE. All notices or other communications under this Plan shall
               be made in writing and either hand delivered or sent by
               registered or certified mail to the Administrator.

Section 10.12  SUCCESSORS. All obligations of the Company and the Bank,
               respectively, under the Plan shall be binding on any successor to
               the Company and the Bank, respectively, whether the existence of
               such successor is the result of a direct or indirect purchase,
               merger, consolidation or otherwise, of all or substantially all
               of the business and/or assets of the Company or the Bank.


IN WITNESS WHEREOF, and pursuant to resolution of the Board of Directors of the
undersigned, the Bank has caused this instrument to be executed by its duly
authorized officer this ____ day of _____________, 1998 but effective as of the
date specified in Section 1.8 herein.


PARK VIEW FEDERAL SAVINGS BANK


By:
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