Exhibit 23.1
Consent of Independent Auditors
We consent to the incorporation by reference in the Registration Statement (Form
S-8) pertaining to the First Defiance Financial Corp. Employee Investment Plan,
of our report dated January 21, 2000 with respect to the consolidated financial
statements of First Defiance Financial Corp. included in its Annual Report (Form
10-K) for the year ended December 31, 1999, filed with the Securities and
Exchange Commission.
/s/ Ernst & Young LLP
Cleveland, Ohio
August 31, 2000
