Item 5.02. Departure of Directors or Principal Officers; Election of Directors;
Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.

(b) On December 15, 2008, Gerald W. Monnin announced to the First Defiance Financial Corp. Board of Directors that he intends to retire from the Board effective December 31, 2008. The Board currently intends to decrease the size of the Board to eleven members after Mr. Monnin's retirement becomes effective.

Item 7.01. Regulation FD Disclosure.

On December 15, 2008, the Board of Directors of First Federal Bank of the Midwest (the "Bank") elected James L. Rohrs to serve as the Chief Executive Officer of the Bank. Mr. Rohrs had previously served as Chief Operating Officer of the Bank. He will continue to serve as President of the Bank and Executive Vice President of First Defiance. Mr. Rohrs is assuming additional responsibilities from William J. Small who had served as Chief Executive Officer of the Bank, but will remain its Chairman.

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