Item 1.02 Termination of a Material Definitive Agreement.

On January 31, 2013, the Consent Order issued to The Home Savings and Loan Company of Youngstown, Ohio (Home Savings), a wholly-owned subsidiary of United Community Financial Corp. (UCFC), by the Federal Deposit Insurance Corporation (FDIC) and State of Ohio, Division of Financial Institutions (Ohio Division) on March 30, 2012 was terminated. The terms and conditions of the terminated Consent Order are incorporated herein by reference to the Form 8-K filed by UCFC on April 4, 2012.

Item 8.01 Other Events.

On January 31, 2013, Home Savings entered into a memorandum of understanding with the FDIC and Ohio Division that requires Home Savings to submit certain plans and reports to the FDIC and the Ohio Division, to seek the FDIC's and Ohio Division's prior consent before issuing any dividends to UCFC, and to maintain its Tier 1 Leverage Capital Ratio at 8.50% and its Total Risk Based Capital Ratio at 12.0%. Immediately following the execution of this understanding, the FDIC and Ohio Division terminated the Consent Order (see Item 1.02 above).

On February 5, 2013, UCFC issued a press release, a copy of which is attached as Exhibit 99 and is incorporated herein by reference, to announce the termination of the Consent Order and the execution of the memorandum of understanding with the FDIC and the Ohio Division.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Number Description

99 Press release dated February 5, 2013

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