Registration No. 333-___________
    As filed with the Securities and Exchange Commission on October 23, 2000
--------------------------------------------------------------------------------
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                     ---------------------------------------
                                    FORM S-8
                          REGISTRATION STATEMENT UNDER
                           THE SECURITIES ACT OF 1933
                     ---------------------------------------

                                PVF CAPITAL CORP.
--------------------------------------------------------------------------------
             (Exact Name of Registrant as Specified in Its Charter)

             Ohio                                               34-1659805
--------------------------------------------------------------------------------
(State or Other Jurisdiction of                              (I.R.S. Employer
Incorporation or Organization)                              Identification No.)

                               25350 ROCKSIDE ROAD
                           BEDFORD HEIGHTS, OHIO 44146
--------------------------------------------------------------------------------
                    (Address of Principal Executive Offices)

                        2000 INCENTIVE STOCK OPTION PLAN
--------------------------------------------------------------------------------
                            (Full Title of the Plan)

                             JOHN R. MALE, PRESIDENT
                                PVF CAPITAL CORP.
                               25350 ROCKSIDE ROAD
                           BEDFORD HEIGHTS, OHIO 44146
--------------------------------------------------------------------------------
                     (Name and Address of Agent For Service)

                                 (216) 991-9600
--------------------------------------------------------------------------------
          (Telephone Number, Including Area Code, of Agent For Service)

                                   COPIES TO:
                           JOEL E. RAPPOPORT, ESQUIRE
                STRADLEY RONON HOUSLEY KANTARIAN & Bronstein, LLP
                        1220 19th Street N.W., Suite 700
                             Washington, D.C. 20036
                                 (202) 822-9611
<TABLE>
<CAPTION>

                         CALCULATION OF REGISTRATION FEE
-------------------------------------------------------------------------------------------------------------------
Title Of Securities              Amount           Proposed Maximum        Proposed Maximum       Amount Of
     To Be                        To Be            Offering Price        Aggregate Offering    Registration
   Registered                Registered (1)          Per Share                Price (2)           Fee (2)
-------------------------------------------------------------------------------------------------------------------
<S>                              <C>                   <C>                   <C>                  <C>
Common Stock,
   $.01 par value                250,000               $10.75                $2,593,750           $684.75
===================================================================================================================
<FN>
(1)     Maximum  number of shares  issuable  under the PVF  Capital  Corp.  2000
        Incentive  Stock  Option  Plan  (250,000   shares),   together  with  an
        indeterminate  number  of  shares  being  registered  hereby  as  may be
        necessary  to adjust the  number of  additional  shares of Common  Stock
        reserved for issuance  under the 2000  Incentive  Stock Option Plan as a
        result of an increase in the number of shares  issuable  under such plan
        as the result of a merger,  consolidation,  recapitalization  or similar
        event  involving  the  Registrant  or a  stock  split,  stock  dividend,
        reclassification,   recapitalization   or  similar   adjustment  in  the
        Registrant's common stock.
(2)     Under Rule 457(h) the  registration  fee may be calculated,  inter alia,
        based upon the average of the high and low selling  prices of the common
        stock of the  Registrant  as reported on the Nasdaq  SmallCap  Market on
        October 18, 2000 of $10.375 per share ($2,593,750 in the aggregate).
</FN>
</TABLE>

<PAGE>


                                     PART I

                       INFORMATION REQUIRED IN THE SECTION
                                10(a) PROSPECTUS

ITEM 1.  PLAN INFORMATION*
------

ITEM 2.  REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION*
------

     *This registration  statement relates to the registration of 250,000 shares
of Common Stock,  $.01 par value per share, of PVF Capital Corp. (the "Company")
reserved for issuance and delivery  under the PVF Capital Corp.  2000  Incentive
Stock Option Plan (the "Option  Plan").  Documents  containing  the  information
required  by Part I of this  registration  statement  will be sent or  given  to
participants in the Option Plan in accordance with Rule 428(b)(1). In accordance
with the Note to Part I of Form  S-8,  such  documents  are not  filed  with the
Securities and Exchange  Commission  (the  "Commission")  either as part of this
registration statement or as prospectuses or prospectus supplements.

                                     PART II

               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

     ITEM  3.  INCORPORATION  OF  CERTAIN  DOCUMENTS  BY  REFERENCE
     -------

     The following  documents  filed by PVF Capital Corp.  (the  "Company")  are
incorporated by reference in this Registration Statement:

     (a) The Company's Annual Report on Form 10-K for the fiscal year ended June
30, 2000 filed with the  Commission on September 26, 2000  (Commission  File No.
0-24948).

     (b) The description of the Company's  securities contained in the Company's
Registration  Statement on Form 8-A as declared  effective by the  Commission on
October 31, 1994 (Commission File No. 0-24948).

     ALL DOCUMENTS SUBSEQUENTLY FILED BY THE COMPANY PURSUANT TO SECTIONS 13(A),
13(C), 14, AND 15(D) OF THE SECURITIES  EXCHANGE ACT OF 1934, AS AMENDED,  PRIOR
TO THE FILING OF A POST-EFFECTIVE  AMENDMENT WHICH INDICATES THAT ALL SECURITIES
OFFERED  HAVE BEEN  SOLD OR WHICH  DEREGISTERS  ALL  SECURITIES  THEN  REMAINING
UNSOLD,  SHALL BE DEEMED TO BE  INCORPORATED  BY REFERENCE IN THIS  REGISTRATION
STATEMENT AND TO BE A PART HEREOF FROM THE DATE OF FILING OF SUCH DOCUMENTS.

ITEM 4.  DESCRIPTION OF SECURITIES
------

     Not applicable,  as the Common Stock is registered  under Section 12 of the
Securities Exchange Act of 1934, as amended.

ITEM 5.  INTERESTS OF NAMED EXPERTS AND COUNSEL
------

     Not Applicable.

ITEM 6.  INDEMNIFICATION OF DIRECTORS AND OFFICERS
------

     Park View Federal Savings Bank (the "Bank") is required by Office of Thrift
Supervision  regulations  to indemnify  its  directors,  officers and  employees
against legal and other expenses incurred in defending  lawsuits brought against
them by reason of the performance of their official duties.  Indemnification may
be made to such

<PAGE>
person only if final judgement on the merits is in his favor or, in case of: (i)
settlement,  (ii) final  judgment  against  him, or (iii) final  judgment in his
favor, other than on the merits, if a majority of the disinterested directors of
the Bank  determines  that he was acting in good  faith  within the scope of his
employment  or  authority  as he could  reasonably  have  perceived it under the
circumstances  and for a purpose he could  have  reasonably  believed  under the
circumstances  was in the best interests of the Bank or its  stockholders.  If a
majority of the  directors  of the Bank  concludes  that in  connection  with an
action any  person  ultimately  may  become  entitled  to  indemnification,  the
directors may authorize  payment of reasonable  costs and expenses  arising from
defense or settlement of such action. In addition, the Bank and the Company have
director  and  officer  liability  insurance  and the  coverage  provided is one
million dollars per occurrence.

     Article  Sixth of the  Company's  First  Amended and  Restated  Articles of
Incorporation  sets  forth  circumstances   under  which  directors,   officers,
employees and agents may be insured or indemnified  against liability which they
may incur in their capacities:

     SIXTH:  By  resolution  adopted by the directors in the manner set forth in
division (E) of Section  1701.13 of the Revised  Code of Ohio or its  successor,
the Corporation shall indemnify or agree to indemnify:

                  1. Any  person  who was or is a party or is  threatened  to be
         made a party, to any threatened, pending, or completed action, suit, or
         proceeding, whether civil, criminal,  administrative, or investigative,
         other than an action by or in the right of the  Corporation,  by reason
         of the fact that he is or was a director,  officer,  employee, or agent
         of  the  Corporation,  or is or  was  serving  at  the  request  of the
         Corporation  as a director,  trustee,  officer,  employee,  or agent of
         another  corporation,  domestic  or foreign,  nonprofit  or for profit,
         partnership,   joint  venture,  trust,  or  other  enterprise,  against
         expenses, including attorney's fees, judgments, fines, and amounts paid
         in  settlement  actually and  reasonably  incurred by him in connection
         with such action,  suit, or proceeding if he acted in good faith and in
         a manner he  reasonably  believed  to be in or not  opposed to the best
         interests of the  Corporation,  and with respect to any criminal action
         or  proceeding,  had no  reasonable  cause to believe  his  conduct was
         unlawful.  The  termination  of any  action,  suit,  or  proceeding  by
         judgment,  order,  settlement,  or  conviction,  or upon a plea of nolo
         contendere  or  its  equivalent,   shall  not,  of  itself,   create  a
         presumption  that the  person did not act in good faith and in a manner
         he reasonably believed to be in or not opposed to the best interests of
         the Corporation and, with respect to any criminal action or proceeding,
         he had reasonable cause to believe that his conduct was unlawful; and

                  2. Any  person  who was or is a party or is  threatened  to be
         made a party, to any threatened,  pending,  or completed action or suit
         by or in the right of the  Corporation  to  procure a  judgment  in its
         favor by  reason  of the fact  that he is or was a  director,  officer,
         employee,  or agent of the  Corporation,  or is or was  serving  at the
         request of the Corporation as a director,  trustee, officer,  employee,
         or agent of another corporation,  domestic or foreign, nonprofit or for
         profit, partnership,  joint venture, trust or other enterprise, against
         expenses,  including  attorney's fees, actually and reasonably incurred
         by him in  connection  with the defense or settlement of such action or
         suit if he acted in good faith and in a manner he  reasonably  believed
         to be in or not  opposed  to the  best  interests  of the  Corporation,
         except that no  indemnification  shall be made in respect of any of the
         following:

                           a. Any claim, issue or matter as to which such person
         is  adjudged  to  be  liable  for   negligence  or  misconduct  in  the
         performance  of his  duty to the  Corporation  unless,  and only to the
         extent that the court of common pleas or the court in which such action
         or suit was  brought  determines  upon  application  that,  despite the
         adjudication of liability,  but in view of all the circumstances of the
         case,  such person is fairly and  reasonably  entitled to indemnity for
         such  expenses  as the court of common  pleas or such other court shall
         deem proper;

                           b. Any  action  or suit in which  the only  liability
         asserted  against a director  is  pursuant  to  section  1701.95 of the
         Revised Code of Ohio.
<PAGE>

                  3. To the extent that a director,  trustee, officer, employee,
         or agent has been  successful  on the merits or otherwise in defense of
         any action,  suit, or proceeding referred to in subsections (1) and (2)
         of this Article  Sixth,  or in defense of any claim,  issue,  or matter
         therein, he shall be indemnified against expenses, including attorney's
         fees,  actually and reasonably  incurred by him in connection  with the
         action, suit or proceeding.

                  4. Any  indemnification  under subsections (1) and (2) of this
         Article  Sixth,  unless  ordered  by a  court,  shall  be  made  by the
         Corporation   only  as   authorized   in  the  specific   case  upon  a
         determination that indemnification of the director,  trustee,  officer,
         employee,  or agent is proper in the  circumstances  because he has met
         the applicable standard of conduct set forth in subsections (1) and (2)
         of  this  Article  Sixth.  Such  determination  shall  be  made  by the
         directors  of the  Corporation  in the manner set forth in division (E)
         (4) Section 1701.13 of the Revised Code of Ohio.

ITEM 7.  EXEMPTION FROM REGISTRATION CLAIMED
------

     Not applicable.

ITEM 8.  EXHIBITS
------

     The exhibits scheduled to be filed or included as part of this Registration
Statement are as follows:

     5.1  Opinion of Stradley  Ronon Stevens & Young,  LLP as to the validity of
          the Common Stock being registered

     23.1 Consent of  Stradley  Ronon  Stevens & Young,  LLP  (appears  in their
          opinion filed as Exhibit 5.1)

     23.2 Consent of KPMG LLP

     24   Power of Attorney  (contained in signature  page to this  registration
          statement)

     99.1 PVF Capital Corp. 2000 Incentive Stock Option Plan

     99.2 Form of Stock Option  Agreement to be entered into with Optionees with
          respect to Stock  Options  granted  under the PVF Capital  Corp.  2000
          Incentive Stock Option Plan

ITEM 9.  UNDERTAKINGS
------

     The undersigned registrant hereby undertakes:

     (1) To file,  during any period in which  offers or sales are being made, a
post-effective amendment to this registration statement:

               (i) To include any prospectus required by Section 10(a)(3) of the
          Securities Act of 1933;

               (ii)  To reflect in the  prospectus  any facts or events  arising
          after the effective  date of the  registration  statement (or the most
          recent post-effective amendment thereof) which, individually or in the
          aggregrate,  represent a  fundamental  change in the  information  set
          forth in the registration  statement.  Notwithstanding  the foregoing,
          any increase or decrease in volume of securities offered (if the total
          dollar  value of  securities  offered  would not exceed that which was
          registered)  and  any  deviation  from  the  low  or  high  end of the
          estimated  maximum  offering  range  may be  reflected  in the form of
          prospectus  filed with the  Commission  pursuant to Rule 424(b) if, in
          the aggregate,  the changes in volume and price represent no

<PAGE>

          more than 20 percent  change in the maximum  aggregate  offering price
          set  forth  in the  "Calculation  of  Registration  Fee"  table in the
          effective registration statement;

                  (iii) To include any material  information with respect to the
         plan of  distribution  not  previously  disclosed  in the  registration
         statement  or  any  material   change  to  such   information   in  the
         registration statement;  provided,  however, that paragraphs (1)(i) and
         (1)(ii) do not apply if the  registration  statement  is on Form S-3 or
         S-8, and the  information  required to be included in a  post-effective
         amendment by those  paragraphs  is contained in periodic  reports filed
         with or  furnished  to the  Commission  by the  registrant  pursuant to
         Section  13 or 15(d) of the  Securities  Exchange  Act of 1934 that are
         incorporated by reference in the registration statement.

         (2) That,  for the  purpose  of  determining  any  liability  under the
Securities Act of 1933, each such post-effective amendment shall be deemed to be
a new registration statement relating to the securities offered therein, and the
offering of such  securities at that time shall be deemed to be the initial bona
fide offering thereof.

         (3) To remove from registration by means of a post-effective  amendment
any of the securities  being registered that remain unsold at the termination of
the offering.

         (4) The undersigned  registrant hereby undertakes that, for purposes of
determining  any liability  under the Securities Act of 1933, each filing of the
registrant's  annual report pursuant to Section 13(a) or 15(d) of the Securities
Exchange Act of 1934 (and, where applicable,  each filing of an employee benefit
plan's annual report pursuant to Section 15(d) of the Securities Exchange Act of
1934) that is incorporated by reference in the  registration  statement shall be
deemed to be a new  registration  statement  relating to the securities  offered
therein,  and the offering of such securities at that time shall be deemed to be
the initial bona fide offering thereof.

         (5)  Insofar  as  indemnification  for  liabilities  arising  under the
Securities Act of 1933 may be permitted to directors,  officers and  controlling
persons of the registrant  pursuant to the foregoing  provisions,  or otherwise,
the  registrant  has been  advised  that in the  opinion of the  Securities  and
Exchange  Commission such  indemnification is against public policy as expressed
in the Securities  Act of 1933 and is,  therefore,  unenforceable.  In the event
that a claim  for  indemnification  against  such  liabilities  (other  than the
payment by the registrant of expenses incurred or paid by a director, officer or
controlling  person of the registrant in the  successful  defense of any action,
suit or proceeding) is asserted by such director,  officer or controlling person
in connection with the securities being registered,  the registrant will, unless
in the  opinion  of its  counsel  the matter  has been  settled  by  controlling
precedent,  submit to a court of appropriate  jurisdiction  the question whether
such  indemnification  by it is  against  public  policy  as  expressed  in  the
Securities  Act of 1933 and will be governed by the final  adjudication  of such
issue.

<PAGE>


                                   SIGNATURES

         Pursuant to the requirements of the Securities Act of 1933, as amended,
the registrant certifies that it has reasonable grounds to believe that it meets
all of the  requirements  for  filing  on  Form  S-8 and has  duly  caused  this
registration  statement to be signed on its behalf by the undersigned  thereunto
duly authorized,  in the City of Bedford Heights, State of Ohio, on the 17th day
of October, 2000.

                                      PVF CAPITAL CORP.


                                      By: /s/ John R. Male
                                          --------------------------------------
                                          John R. Male
                                          Chairman of the Board of Directors
                                          and Chief Executive Officer
                                          (Duly Authorized Representative)

                                POWER OF ATTORNEY

         We, the  undersigned  directors of PVF Capital Corp.  hereby  severally
constitute  and  appoint  John  R.  Male,  who  may  act,  with  full  power  of
substitution,  as our true and  lawful  attorney  and  agent,  to do any and all
things in our names in the capacities  indicated  below which said John R. Male,
who may act, may deem necessary or advisable to enable PVF Capital  Corp.,  Inc.
to  comply  with  the  Securities  Act of  1933,  as  amended,  and  any  rules,
regulations  and  requirements  of the  Securities and Exchange  Commission,  in
connection with the  registration of PVF Capital Corp.  common stock,  including
specifically,  but not limited  to,  power and  authority  to sign for us in our
names in the  capacities  indicated  below,  any and all  amendments  (including
post-effective  amendments)  thereto;  and we hereby ratify and confirm all that
said John R. Male, shall do or cause to be done by virtue thereof.

         Pursuant  to the  requirements  of the  Securities  Act of  1933,  this
registration  statement  has  been  signed  by  the  following  persons  in  the
capacities and on the dates indicated.
<TABLE>
<CAPTION>
       Signatures                                            Title                                  Date
       ----------                                            -----                                  ----

<S>                                                  <C>                                         <C>
/s/ John R. Male                                     Chairman of the Board of                    October 17, 2000
--------------------------------------------         Directors and Chief Executive
John R. Male                                         Officer (Principal Executive Officer)


/s/ C. Keith Swaney                                  President and Director                      October 17, 2000
--------------------------------------------
C. Keith Swaney                                      (Principal Financial and
Chief Financial Officer                              Accounting Officer)


/s/ Robert K. Healey                                 Director                                    October 17, 2000
--------------------------------------------
Robert K. Healey


/s/ Stanley T. Jaros                                 Director                                    October 17, 2000
--------------------------------------------
Stanley T. Jaros


/s/ Creighton E. Miller                              Director                                    October 17, 2000
--------------------------------------------
Creighton E. Miller


/s/ Stuart D. Neidus                                 Director                                    October 17, 2000
--------------------------------------------
Stuart D. Neidus


/s/ Robert F. Urban                                  Director                                    October 17, 2000
--------------------------------------------
Robert F. Urban

</TABLE>


<PAGE>


                                INDEX TO EXHIBITS



Exhibit           Description
-------           -----------

 5.1              Opinion of Stradley  Ronon  Stevens & Young,  LLP as to the
                  validity of the Common Stock being registered

23.1              Consent of Stradley Ronon Stevens & Young, LLP (appears in
                  their opinion filed as Exhibit 5.1)

23.2              Consent of KMPG LLP

24                Power of Attorney (contained in signature page to this
                  registration statement)

99.1              PVF Capital Corp. 2000 Incentive Stock Option Plan

99.2              Form of Stock Option Agreement to be entered into with
                  Optionees with respect to Stock Options granted under the
                  PVF Capital Corp. 2000 Incentive Stock Option Plan
[{"type": "S-8", "sequence": "1", "filename": "0001.txt", "description": "FORM S-8 FOR 2000 INCENTIVE STOCK OPTION PLAN", "secsgml_size_bytes": 24152}]
{"company-data": {"conformed-name": "PVF CAPITAL CORP", "cik": "0000928592", "assigned-sic": "6035", "irs-number": "341659805", "state-of-incorporation": "OH", "fiscal-year-end": "0630"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-48446", "film-number": "744299"}, "business-address": {"street1": "2618 N MORELAND BLVD", "city": "CLEVELAND HEIGHTS", "state": "OH", "zip": "44120", "phone": "4109919600"}, "mail-address": {"street1": "25350 ROCKSIDE ROAD", "city": "BEDFORD HEIGHTS", "state": "OH", "zip": "44146"}}
Registration No. 333-___________
    As filed with the Securities and Exchange Commission on October 23, 2000
--------------------------------------------------------------------------------
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                     ---------------------------------------
                                    FORM S-8
                          REGISTRATION STATEMENT UNDER
                           THE SECURITIES ACT OF 1933
                     ---------------------------------------

                                PVF CAPITAL CORP.
--------------------------------------------------------------------------------
             (Exact Name of Registrant as Specified in Its Charter)

             Ohio                                               34-1659805
--------------------------------------------------------------------------------
(State or Other Jurisdiction of                              (I.R.S. Employer
Incorporation or Organization)                              Identification No.)

                               25350 ROCKSIDE ROAD
                           BEDFORD HEIGHTS, OHIO 44146
--------------------------------------------------------------------------------
                    (Address of Principal Executive Offices)

                        2000 INCENTIVE STOCK OPTION PLAN
--------------------------------------------------------------------------------
                            (Full Title of the Plan)

                             JOHN R. MALE, PRESIDENT
                                PVF CAPITAL CORP.
                               25350 ROCKSIDE ROAD
                           BEDFORD HEIGHTS, OHIO 44146
--------------------------------------------------------------------------------
                     (Name and Address of Agent For Service)

                                 (216) 991-9600
--------------------------------------------------------------------------------
          (Telephone Number, Including Area Code, of Agent For Service)

                                   COPIES TO:
                           JOEL E. RAPPOPORT, ESQUIRE
                STRADLEY RONON HOUSLEY KANTARIAN & Bronstein, LLP
                        1220 19th Street N.W., Suite 700
                             Washington, D.C. 20036
                                 (202) 822-9611
CALCULATION OF REGISTRATION FEE
-------------------------------------------------------------------------------------------------------------------
Title Of Securities              Amount           Proposed Maximum        Proposed Maximum       Amount Of
     To Be                        To Be            Offering Price        Aggregate Offering    Registration
   Registered                Registered (1)          Per Share                Price (2)           Fee (2)
-------------------------------------------------------------------------------------------------------------------
Common Stock,
   $.01 par value                250,000               $10.75                $2,593,750           $684.75
===================================================================================================================
(1)     Maximum  number of shares  issuable  under the PVF  Capital  Corp.  2000
        Incentive  Stock  Option  Plan  (250,000   shares),   together  with  an
        indeterminate  number  of  shares  being  registered  hereby  as  may be
        necessary  to adjust the  number of  additional  shares of Common  Stock
        reserved for issuance  under the 2000  Incentive  Stock Option Plan as a
        result of an increase in the number of shares  issuable  under such plan
        as the result of a merger,  consolidation,  recapitalization  or similar
        event  involving  the  Registrant  or a  stock  split,  stock  dividend,
        reclassification,   recapitalization   or  similar   adjustment  in  the
        Registrant's common stock.
(2)     Under Rule 457(h) the  registration  fee may be calculated,  inter alia,
        based upon the average of the high and low selling  prices of the common
        stock of the  Registrant  as reported on the Nasdaq  SmallCap  Market on
        October 18, 2000 of $10.375 per share ($2,593,750 in the aggregate).
PART I

                       INFORMATION REQUIRED IN THE SECTION
                                10(a) PROSPECTUS

ITEM 1.  PLAN INFORMATION*
------

ITEM 2.  REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION*
------

     *This registration  statement relates to the registration of 250,000 shares
of Common Stock,  $.01 par value per share, of PVF Capital Corp. (the "Company")
reserved for issuance and delivery  under the PVF Capital Corp.  2000  Incentive
Stock Option Plan (the "Option  Plan").  Documents  containing  the  information
required  by Part I of this  registration  statement  will be sent or  given  to
participants in the Option Plan in accordance with Rule 428(b)(1). In accordance
with the Note to Part I of Form  S-8,  such  documents  are not  filed  with the
Securities and Exchange  Commission  (the  "Commission")  either as part of this
registration statement or as prospectuses or prospectus supplements.

                                     PART II

               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

     ITEM  3.  INCORPORATION  OF  CERTAIN  DOCUMENTS  BY  REFERENCE
     -------

     The following  documents  filed by PVF Capital Corp.  (the  "Company")  are
incorporated by reference in this Registration Statement:

     (a) The Company's Annual Report on Form 10-K for the fiscal year ended June
30, 2000 filed with the  Commission on September 26, 2000  (Commission  File No.
0-24948).

     (b) The description of the Company's  securities contained in the Company's
Registration  Statement on Form 8-A as declared  effective by the  Commission on
October 31, 1994 (Commission File No. 0-24948).

     ALL DOCUMENTS SUBSEQUENTLY FILED BY THE COMPANY PURSUANT TO SECTIONS 13(A),
13(C), 14, AND 15(D) OF THE SECURITIES  EXCHANGE ACT OF 1934, AS AMENDED,  PRIOR
TO THE FILING OF A POST-EFFECTIVE  AMENDMENT WHICH INDICATES THAT ALL SECURITIES
OFFERED  HAVE BEEN  SOLD OR WHICH  DEREGISTERS  ALL  SECURITIES  THEN  REMAINING
UNSOLD,  SHALL BE DEEMED TO BE  INCORPORATED  BY REFERENCE IN THIS  REGISTRATION
STATEMENT AND TO BE A PART HEREOF FROM THE DATE OF FILING OF SUCH DOCUMENTS.

ITEM 4.  DESCRIPTION OF SECURITIES
------

     Not applicable,  as the Common Stock is registered  under Section 12 of the
Securities Exchange Act of 1934, as amended.

ITEM 5.  INTERESTS OF NAMED EXPERTS AND COUNSEL
------

     Not Applicable.

ITEM 6.  INDEMNIFICATION OF DIRECTORS AND OFFICERS
------

     Park View Federal Savings Bank (the "Bank") is required by Office of Thrift
Supervision  regulations  to indemnify  its  directors,  officers and  employees
against legal and other expenses incurred in defending  lawsuits brought against
them by reason of the performance of their official duties.  Indemnification may
be made to such
person only if final judgement on the merits is in his favor or, in case of: (i)
settlement,  (ii) final  judgment  against  him, or (iii) final  judgment in his
favor, other than on the merits, if a majority of the disinterested directors of
the Bank  determines  that he was acting in good  faith  within the scope of his
employment  or  authority  as he could  reasonably  have  perceived it under the
circumstances  and for a purpose he could  have  reasonably  believed  under the
circumstances  was in the best interests of the Bank or its  stockholders.  If a
majority of the  directors  of the Bank  concludes  that in  connection  with an
action any  person  ultimately  may  become  entitled  to  indemnification,  the
directors may authorize  payment of reasonable  costs and expenses  arising from
defense or settlement of such action. In addition, the Bank and the Company have
director  and  officer  liability  insurance  and the  coverage  provided is one
million dollars per occurrence.

     Article  Sixth of the  Company's  First  Amended and  Restated  Articles of
Incorporation  sets  forth  circumstances   under  which  directors,   officers,
employees and agents may be insured or indemnified  against liability which they
may incur in their capacities:

     SIXTH:  By  resolution  adopted by the directors in the manner set forth in
division (E) of Section  1701.13 of the Revised  Code of Ohio or its  successor,
the Corporation shall indemnify or agree to indemnify:

                  1. Any  person  who was or is a party or is  threatened  to be
         made a party, to any threatened, pending, or completed action, suit, or
         proceeding, whether civil, criminal,  administrative, or investigative,
         other than an action by or in the right of the  Corporation,  by reason
         of the fact that he is or was a director,  officer,  employee, or agent
         of  the  Corporation,  or is or  was  serving  at  the  request  of the
         Corporation  as a director,  trustee,  officer,  employee,  or agent of
         another  corporation,  domestic  or foreign,  nonprofit  or for profit,
         partnership,   joint  venture,  trust,  or  other  enterprise,  against
         expenses, including attorney's fees, judgments, fines, and amounts paid
         in  settlement  actually and  reasonably  incurred by him in connection
         with such action,  suit, or proceeding if he acted in good faith and in
         a manner he  reasonably  believed  to be in or not  opposed to the best
         interests of the  Corporation,  and with respect to any criminal action
         or  proceeding,  had no  reasonable  cause to believe  his  conduct was
         unlawful.  The  termination  of any  action,  suit,  or  proceeding  by
         judgment,  order,  settlement,  or  conviction,  or upon a plea of nolo
         contendere  or  its  equivalent,   shall  not,  of  itself,   create  a
         presumption  that the  person did not act in good faith and in a manner
         he reasonably believed to be in or not opposed to the best interests of
         the Corporation and, with respect to any criminal action or proceeding,
         he had reasonable cause to believe that his conduct was unlawful; and

                  2. Any  person  who was or is a party or is  threatened  to be
         made a party, to any threatened,  pending,  or completed action or suit
         by or in the right of the  Corporation  to  procure a  judgment  in its
         favor by  reason  of the fact  that he is or was a  director,  officer,
         employee,  or agent of the  Corporation,  or is or was  serving  at the
         request of the Corporation as a director,  trustee, officer,  employee,
         or agent of another corporation,  domestic or foreign, nonprofit or for
         profit, partnership,  joint venture, trust or other enterprise, against
         expenses,  including  attorney's fees, actually and reasonably incurred
         by him in  connection  with the defense or settlement of such action or
         suit if he acted in good faith and in a manner he  reasonably  believed
         to be in or not  opposed  to the  best  interests  of the  Corporation,
         except that no  indemnification  shall be made in respect of any of the
         following:

                           a. Any claim, issue or matter as to which such person
         is  adjudged  to  be  liable  for   negligence  or  misconduct  in  the
         performance  of his  duty to the  Corporation  unless,  and only to the
         extent that the court of common pleas or the court in which such action
         or suit was  brought  determines  upon  application  that,  despite the
         adjudication of liability,  but in view of all the circumstances of the
         case,  such person is fairly and  reasonably  entitled to indemnity for
         such  expenses  as the court of common  pleas or such other court shall
         deem proper;

                           b. Any  action  or suit in which  the only  liability
         asserted  against a director  is  pursuant  to  section  1701.95 of the
         Revised Code of Ohio.
3. To the extent that a director,  trustee, officer, employee,
         or agent has been  successful  on the merits or otherwise in defense of
         any action,  suit, or proceeding referred to in subsections (1) and (2)
         of this Article  Sixth,  or in defense of any claim,  issue,  or matter
         therein, he shall be indemnified against expenses, including attorney's
         fees,  actually and reasonably  incurred by him in connection  with the
         action, suit or proceeding.

                  4. Any  indemnification  under subsections (1) and (2) of this
         Article  Sixth,  unless  ordered  by a  court,  shall  be  made  by the
         Corporation   only  as   authorized   in  the  specific   case  upon  a
         determination that indemnification of the director,  trustee,  officer,
         employee,  or agent is proper in the  circumstances  because he has met
         the applicable standard of conduct set forth in subsections (1) and (2)
         of  this  Article  Sixth.  Such  determination  shall  be  made  by the
         directors  of the  Corporation  in the manner set forth in division (E)
         (4) Section 1701.13 of the Revised Code of Ohio.

ITEM 7.  EXEMPTION FROM REGISTRATION CLAIMED
------

     Not applicable.

ITEM 8.  EXHIBITS
------

     The exhibits scheduled to be filed or included as part of this Registration
Statement are as follows:

     5.1  Opinion of Stradley  Ronon Stevens & Young,  LLP as to the validity of
          the Common Stock being registered

     23.1 Consent of  Stradley  Ronon  Stevens & Young,  LLP  (appears  in their
          opinion filed as Exhibit 5.1)

     23.2 Consent of KPMG LLP

     24   Power of Attorney  (contained in signature  page to this  registration
          statement)

     99.1 PVF Capital Corp. 2000 Incentive Stock Option Plan

     99.2 Form of Stock Option  Agreement to be entered into with Optionees with
          respect to Stock  Options  granted  under the PVF Capital  Corp.  2000
          Incentive Stock Option Plan

ITEM 9.  UNDERTAKINGS
------

     The undersigned registrant hereby undertakes:

     (1) To file,  during any period in which  offers or sales are being made, a
post-effective amendment to this registration statement:

               (i) To include any prospectus required by Section 10(a)(3) of the
          Securities Act of 1933;

               (ii)  To reflect in the  prospectus  any facts or events  arising
          after the effective  date of the  registration  statement (or the most
          recent post-effective amendment thereof) which, individually or in the
          aggregrate,  represent a  fundamental  change in the  information  set
          forth in the registration  statement.  Notwithstanding  the foregoing,
          any increase or decrease in volume of securities offered (if the total
          dollar  value of  securities  offered  would not exceed that which was
          registered)  and  any  deviation  from  the  low  or  high  end of the
          estimated  maximum  offering  range  may be  reflected  in the form of
          prospectus  filed with the  Commission  pursuant to Rule 424(b) if, in
          the aggregate,  the changes in volume and price represent no
more than 20 percent  change in the maximum  aggregate  offering price
          set  forth  in the  "Calculation  of  Registration  Fee"  table in the
          effective registration statement;

                  (iii) To include any material  information with respect to the
         plan of  distribution  not  previously  disclosed  in the  registration
         statement  or  any  material   change  to  such   information   in  the
         registration statement;  provided,  however, that paragraphs (1)(i) and
         (1)(ii) do not apply if the  registration  statement  is on Form S-3 or
         S-8, and the  information  required to be included in a  post-effective
         amendment by those  paragraphs  is contained in periodic  reports filed
         with or  furnished  to the  Commission  by the  registrant  pursuant to
         Section  13 or 15(d) of the  Securities  Exchange  Act of 1934 that are
         incorporated by reference in the registration statement.

         (2) That,  for the  purpose  of  determining  any  liability  under the
Securities Act of 1933, each such post-effective amendment shall be deemed to be
a new registration statement relating to the securities offered therein, and the
offering of such  securities at that time shall be deemed to be the initial bona
fide offering thereof.

         (3) To remove from registration by means of a post-effective  amendment
any of the securities  being registered that remain unsold at the termination of
the offering.

         (4) The undersigned  registrant hereby undertakes that, for purposes of
determining  any liability  under the Securities Act of 1933, each filing of the
registrant's  annual report pursuant to Section 13(a) or 15(d) of the Securities
Exchange Act of 1934 (and, where applicable,  each filing of an employee benefit
plan's annual report pursuant to Section 15(d) of the Securities Exchange Act of
1934) that is incorporated by reference in the  registration  statement shall be
deemed to be a new  registration  statement  relating to the securities  offered
therein,  and the offering of such securities at that time shall be deemed to be
the initial bona fide offering thereof.

         (5)  Insofar  as  indemnification  for  liabilities  arising  under the
Securities Act of 1933 may be permitted to directors,  officers and  controlling
persons of the registrant  pursuant to the foregoing  provisions,  or otherwise,
the  registrant  has been  advised  that in the  opinion of the  Securities  and
Exchange  Commission such  indemnification is against public policy as expressed
in the Securities  Act of 1933 and is,  therefore,  unenforceable.  In the event
that a claim  for  indemnification  against  such  liabilities  (other  than the
payment by the registrant of expenses incurred or paid by a director, officer or
controlling  person of the registrant in the  successful  defense of any action,
suit or proceeding) is asserted by such director,  officer or controlling person
in connection with the securities being registered,  the registrant will, unless
in the  opinion  of its  counsel  the matter  has been  settled  by  controlling
precedent,  submit to a court of appropriate  jurisdiction  the question whether
such  indemnification  by it is  against  public  policy  as  expressed  in  the
Securities  Act of 1933 and will be governed by the final  adjudication  of such
issue.
SIGNATURES

         Pursuant to the requirements of the Securities Act of 1933, as amended,
the registrant certifies that it has reasonable grounds to believe that it meets
all of the  requirements  for  filing  on  Form  S-8 and has  duly  caused  this
registration  statement to be signed on its behalf by the undersigned  thereunto
duly authorized,  in the City of Bedford Heights, State of Ohio, on the 17th day
of October, 2000.

                                      PVF CAPITAL CORP.

                                      By: /s/ John R. Male
                                          --------------------------------------
                                          John R. Male
                                          Chairman of the Board of Directors
                                          and Chief Executive Officer
                                          (Duly Authorized Representative)

                                POWER OF ATTORNEY

         We, the  undersigned  directors of PVF Capital Corp.  hereby  severally
constitute  and  appoint  John  R.  Male,  who  may  act,  with  full  power  of
substitution,  as our true and  lawful  attorney  and  agent,  to do any and all
things in our names in the capacities  indicated  below which said John R. Male,
who may act, may deem necessary or advisable to enable PVF Capital  Corp.,  Inc.
to  comply  with  the  Securities  Act of  1933,  as  amended,  and  any  rules,
regulations  and  requirements  of the  Securities and Exchange  Commission,  in
connection with the  registration of PVF Capital Corp.  common stock,  including
specifically,  but not limited  to,  power and  authority  to sign for us in our
names in the  capacities  indicated  below,  any and all  amendments  (including
post-effective  amendments)  thereto;  and we hereby ratify and confirm all that
said John R. Male, shall do or cause to be done by virtue thereof.

         Pursuant  to the  requirements  of the  Securities  Act of  1933,  this
registration  statement  has  been  signed  by  the  following  persons  in  the
capacities and on the dates indicated.
Signatures                                            Title                                  Date
       ----------                                            -----                                  ----
/s/ John R. Male                                     Chairman of the Board of                    October 17, 2000
--------------------------------------------         Directors and Chief Executive
John R. Male                                         Officer (Principal Executive Officer)

/s/ C. Keith Swaney                                  President and Director                      October 17, 2000
--------------------------------------------
C. Keith Swaney                                      (Principal Financial and
Chief Financial Officer                              Accounting Officer)

/s/ Robert K. Healey                                 Director                                    October 17, 2000
--------------------------------------------
Robert K. Healey

/s/ Stanley T. Jaros                                 Director                                    October 17, 2000
--------------------------------------------
Stanley T. Jaros

/s/ Creighton E. Miller                              Director                                    October 17, 2000
--------------------------------------------
Creighton E. Miller

/s/ Stuart D. Neidus                                 Director                                    October 17, 2000
--------------------------------------------
Stuart D. Neidus

/s/ Robert F. Urban                                  Director                                    October 17, 2000
--------------------------------------------
Robert F. Urban
INDEX TO EXHIBITS

Exhibit           Description
-------           -----------

 5.1              Opinion of Stradley  Ronon  Stevens & Young,  LLP as to the
                  validity of the Common Stock being registered

23.1              Consent of Stradley Ronon Stevens & Young, LLP (appears in
                  their opinion filed as Exhibit 5.1)

23.2              Consent of KMPG LLP

24                Power of Attorney (contained in signature page to this
                  registration statement)

99.1              PVF Capital Corp. 2000 Incentive Stock Option Plan

99.2              Form of Stock Option Agreement to be entered into with
                  Optionees with respect to Stock Options granted under the
                  PVF Capital Corp. 2000 Incentive Stock Option Plan