FFY FINANCIAL CORP
15-12G, 2000-12-29
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                  UNITED STATES
                        SECURITIES AND EXCHANGE COMMISSION
                                Washington, D.C. 20549

                                      FORM 15

 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF
   THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS
      UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

                                          Commission File Number  0-21638

                               FFY Financial Corp.
------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)


                 724 Boardman-Poland Rd., Youngstown, Ohio 44512
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  (Address, including zip code, and telephone number, including area code, of
                   registrant's principal executive offices)


                                  Common Stock
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              (Title of each class of securities covered by this Form)


                                      None
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(Titles of all other classes of securities for which a duty to file reports
under section 13(a) or 15(d) remains)

     Please place an X in the box(es) to designate the appropriate rule
provision(s) relied upon to terminate or suspend the duty to file reports:

        Rule 12g-4(a)(1)(i)   X                Rule 12h-3(b)(1)(i)
                             ---                                     ---
        Rule 12g-4(a)(1)(ii)                    Rule 12h-3(b)(1)(ii)
                             ---                                     ---
        Rule 12g-4(a)(2)(i)                     Rule 12h-3(b)(2)(i)
                             ---                                     ---
        Rule 12g-4(a)(2)(ii)                    Rule 12h-3(b)(2)(ii)
                             ---                                     ---
                                                Rule 15d-6
                                                                     ---

   Approximate number of holders of record as of the certification or notice
date: Approximately 0
      ---------------


   Pursuant to the  requirements  of the Securities  Exchange Act of 1934, FFY
Financial Corp. Capital Holdings,  Inc. has caused this  certification/notice to
be signed on its behalf by the undersigned duly authorized person.


Date: December 26, 2000       By: /s/ Jeffrey L. Francis
     -------------------          -------------------------

Instruction: This form is required by Rules 12g-4, 12h-3 and 15d-6 of the
General Rules and Regulations under the Securities Exchange Act of 1934.  The
registrant shall file with the Commission three copies of Form 15, one of
which shall be manually signed.  It may be an officer of the registrant, by
counsel or by any other duly authorized person.  The name and title of the
person signing the form shall be typed or printed under the signature.



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