SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549
                              _____________________


                                   FORM 10-K/A
                                (AMENDMENT NO. 2)


                       FOR ANNUAL AND TRANSITIONAL REPORTS
                     PURSUANT TO SECTIONS 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934
(Mark One)

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

For the fiscal year ended June 30, 2002

[ ]  TRANSITIONAL  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                             (I.R.S. Employer
of Incorporation or Organization)                         Identification No.)

30000 Aurora Road, Solon, Ohio                                   44139
----------------------------------------                      ----------
(Address of Principal Executive Offices)                      (Zip Code)

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

        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 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 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. [ ]


The registrant's  voting stock is listed on the NASDAQ SmallCap 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  SmallCap Market on September
10, 2002, was $52,013,667.  For purposes of this calculation, it is assumed that
directors,  executive  officers  and  5%  stockholders  of  the  registrant  are
affiliates.  As of September 10, 2002, the  registrant  had 5,790,726  shares of
common stock outstanding.


                       DOCUMENTS INCORPORATED BY REFERENCE

1.   Portions of Annual  Report to  Stockholders  for the Fiscal Year Ended June
     30, 2002. (Parts II and IV)

2.   Portions of Proxy  Statement for the 2002 Annual  Meeting of  Stockholders.
     (Part III)
<PAGE>
                                    PART III

ITEM 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT
------------------------------------------------------------------------


(a) and (b)

     Persons and groups  beneficially owning in excess of 5% of the Common Stock
are required to file certain reports with respect to such ownership  pursuant to
the  Securities  Exchange Act of 1934,  as amended  (the  "Exchange  Act").  The
following table sets forth, as of September 10, 2002, certain  information as to
the Common Stock beneficially owned by each of the Company's  directors,  by the
non-director  executive officer of the Company named in the Summary Compensation
Table set forth under the  caption  "Proposal  I --  Election  of  Directors  --
Executive  Compensation -- Summary  Compensation  Table" in the Proxy Statement,
and by all executive officers and directors of the Company as a group.


<TABLE>
<CAPTION>
                                                      AMOUNT AND                          PERCENT OF SHARES
NAME OF DIRECTORS                                      NATURE OF                           OF COMMON STOCK
AND EXECUTIVE OFFICERS:                        BENEFICIAL OWNERSHIP (1)                      OUTSTANDING
----------------------                         ------------------------                   -----------------
<S>                                                     <C>                                       <C>

DIRECTORS:
---------
John R. Male                                            275,270                                   4.73%
Robert K. Healey                                        139,983                                   2.41
Gerald A. Fallon                                             --                                     --
Raymond J. Negrelli                                          --                                     --
Stuart D. Neidus                                         37,198                                    .64
Stanley T. Jaros                                         15,788                                    .27
C. Keith Swaney                                         183,790                                   3.16

EXECUTIVE OFFICER:
-----------------
Jeffrey N. Male                                         223,618                                   3.85

All Executive Officers and Directors
   as a Group (8 persons)                               875,647                                  14.87
<FN>
____________
(1)  In accordance with Rule 13d-3 under the Exchange Act, a person is deemed to
     be the  beneficial  owner,  for  purposes of this  table,  of any shares of
     Common Stock if he has or shares voting or investment power with respect to
     such Common  Stock or has a right to acquire  beneficial  ownership  at any
     time within 60 days from the Record Date. As used herein, "voting power" is
     the power to vote or direct the voting of shares and "investment  power" is
     the power to dispose or direct the disposition of shares. The amounts shown
     include 24,740, 6,424, 0, 0, 9,751, 9,751, 29,900, 16,490 and 97,056 shares
     that Directors John R. Male, Robert K. Healey, Gerald A. Fallon, Raymond J.
     Negrelli,  Stuart D.  Neidus,  Stanley T. Jaros and C.  Keith  Swaney,  Mr.
     Jeffrey N. Male,  and all  executive  officers  and  directors  as a group,
     respectively,  have the right to acquire  pursuant  to options  exercisable
     within 60 days of the Record Date.  The amounts shown do not include 21,963
     and 21,963 shares in which John R. Male and Jeffrey N. Male,  respectively,
     have a pecuniary  interest  through their ownership of limited  partnership
     interests in a family limited partnership;  such individuals do not have or
     share voting or dispositive power over such shares.
</FN>
</TABLE>

                                       2
<PAGE>


(c)  Management knows of no arrangements,  including any pledge by any person of
     securities  of the Bank,  the  operation of which may at a subsequent  date
     result in a change in control of the registrant.

(d)  Equity Compensation Plans


     The  following  table sets forth  certain  information  with respect to the
     Company's equity compensation plans.
<TABLE>
<CAPTION>
                                                                                                 NUMBER OF SECURITIES REMAINING
                                                                                                  AVAILABLE FOR FUTURE ISSUANCE
                                NUMBER OF SECURITIES TO BE ISSUED   WEIGHTED-AVERAGE EXERCISE      UNDER EQUITY COMPENSATION
                                  UPON EXERCISE OF OUTSTANDING        PRICE OF OUTSTANDING        PLANS (EXCLUDING SECURITIES
PLAN CATEGORY                    OPTIONS, WARRANTS AND RIGHTS      OPTIONS, WARRANTS AND RIGHTS      REFLECTED IN COLUMN (A))
-------------                   ---------------------------------  ----------------------------  ------------------------------
<S>                                           <C>                             <C>                          <C>
Equity compensation plans                     342,126                         $8.43                        330,229
  approved by security holders

Equity compensation plans not                    0                              0                             0
  approved by security holders

       Total                                  342,126                         $8.43                        330,229
</TABLE>


                                                       PART IV

ITEM 15.  EXHIBITS, 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, 2002
               and 2001

          (b)  Consolidated  Statements of  Operations  for the Years Ended June
               30, 2002, 2001 and 2000

          (c)  Consolidated  Statements  of  Stockholders'  Equity for the Years
               Ended June 30, 2002, 2001 and 2000

          (d)  Consolidated  Statements  of Cash Flows for the Years  Ended June
               30, 2002, 2001 and 2000

          (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, as amended                                            ****
  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 +                                *
  10.3             Form of Severance Agreement between PVF Capital Corporation and                     ****
                   each of John R. Male, C. Keith Swaney and Jeffrey N. Male +

                                       3
<PAGE>

  10.4             Park View Federal Savings Bank Supplemental Executive                               **
                   Retirement Plan +
  10.5             PVF Capital Corp. 2000 Incentive Stock Option Plan and Form of Stock Option
                   Agreement +                                                                         ***
  13               PVF Capital Corp. Annual Report to Stockholders for the year ended
                   June 30, 2002                                                                       ****
  21               Subsidiaries of the Registrant                                                      ****
  23.1             Consent of KPMG LLP                                                                 ****
  23.2             Consent of Crowe Chizek and Company, LLP                                            ****
  99               Certification of Chief Executive Officer and Chief Financial Officer
<FN>
__________
*    Incorporated  by reference to the  Registrant's  Annual Report on Form 10-K
     for the year ended June 30, 1996 (Commission File No. 0-24948).
**   Incorporated  by reference to the  Registrant's  Annual Report on Form 10-K
     for the year ended June 30, 1998 (Commission File No. 0-24948).
***  Incorporated  by reference to the  Registrant's  Annual Report on Form 10-K
     for the year ended June 30, 2000 (Commission File No. 0-24948).
**** Previously filed.
+    Management contract or compensory plan or arrangement.
</FN>
</TABLE>

(b)  No current  reports on Form 8-K have been filed  during the last quarter of
     the fiscal year covered by this report.
(c)  All required exhibits are filed as attached.
(d)  No financial statement schedules are required.

                                       4
<PAGE>

                                   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.


October 18, 2002                         By: /s/ John R. Male
                                             -----------------------------------
                                             John R. Male
                                             Chairman of the Board of Directors
                                             and Chief Executive 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 annual report on Form 10-K of PVF Capital Corp.;


2.   Based on my  knowledge,  this  annual  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 annual report; and


3.   Based on my  knowledge,  the  financial  statements,  and  other  financial
     information included in this annual 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 annual report.

Date: October 18, 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 annual report on Form 10-K of PVF Capital Corp.;

2.   Based on my  knowledge,  this  annual  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 annual report; and

3.   Based on my  knowledge,  the  financial  statements,  and  other  financial
     information included in this annual 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 annual report.

Date: October 18, 2002


                                     /s/ C. Keith Swaney
                                     ------------------------------------------
                                     C. Keith Swaney
                                     President and Chief Operating Officer
                                     (Principal Financial Officer)