ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On January 23, 2009, PVF Capital Corp. (the "Company") announced its unaudited financial results for the three and six months ended December 31, 2008. For more information, reference is made to the Company's press release dated January 23, 2009, a copy of which is attached to this Report as Exhibit 99.1 and is furnished herewith.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

(a) Not applicable.

(b) Not applicable.

(c) Not applicable.

(d) The following exhibit is filed herewith:

Exhibit 99.1 Press Release dated January 23, 2009