FIRST DEFIANCE FINANCIAL CORP
8-K, 1998-12-31
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                       SECURITIES AND EXCHANGE COMMISSION


                              Washington, DC 20549



                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


      Date of Report (Date of earliest event reported): December 24, 1998
                                                        -----------------

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



         Ohio                      0-26850                      34-1803915
- --------------------------------------------------------------------------------
 (State of Incorporation)     (Commission File No.)           (IRS Employer 
                                                           Identification No.)


                    601 Clinton Street, Defiance, Ohio 43512
                    ----------------------------------------
                    (Address of principal executive offices)


Registrant's telephone number, including area code:  419-782-5015.
                                                     ------------


<PAGE>

                                    FORM 8-K

Item 5.           Other Events.

         On December 24, 1998, First Defiance Financial Corp. ("First Defiance")
consummated  the  acquisition  of  Insurance  Center  of  Defiance,   Inc.  (the
"Agency").  In payment for the Agency,  First  Defiance  issued  146,135  common
shares to the Agency's shareholders.




<PAGE>




                                   SIGNATURES

         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
the  Registrant  has duly  caused  this report to be signed on its behalf by the
undersigned hereto duly authorized.



Date:    December 31, 1998                  FIRST DEFIANCE FINANCIAL CORP.
         -----------------




                                            By:   /s/ John C. Wahl
                                                  ----------------
                                                  John C. Wahl
                                                  Senior Vice President, 
                                                  Chief Financial Officer



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