UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 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)

~~July~~August 184, 2000

FFY FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

Delaware

(State or other
jurisdiction of
incorporation)

0-21638

(Commission File Number)

34-1735753

(IRS Employer
Identification
Number)

724 Boardman-Poland Road, Youngstown, Ohio (Address of principal executive offices)	44512 (Zip Code)
724 Boardman Poland Road, Youngstown, Ohio (Address of principal executive offices)	44512 (Zip Code)
Registrant's telephone number, including area code:	330-726-3396

N/A

(Former name or former address, if changed since last report)

Item 5.

. Other Events

On ~~July~~August 184, 2000, the Registrant issued the attached press release.

Item 7.

Financial Statements and Exhibits

(a) Exhibits

991. Press release, dated ~~July~~August 184, 2000.

SIGNATURES

~~FFY~~ Pursuant ~~FINANCIAL~~to ~~CORP.~~the ~~Date:~~requirements ~~July~~of 19the Securities Exchange Act of 1934, ~~2000~~the ~~By:~~Registrant ~~/s/~~has ~~Jeffrey~~duly L.caused ~~Francis~~this ~~Jeffrey~~Report L.to ~~Francis,~~be ~~President~~signed ~~and~~on ~~CEO~~its behalf by the undersigned thereunto duly authorized.

	FFY FINANCIAL CORP.
Date: August 4, 2000	By: /s/ Jeffrey L. Francis Jeffrey L. Francis, President and CEO

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