FFDF F F D Financial (MM)

FFD Financial Corporation (Nasdaq:FFDF) announced that on January 14, 2011, the Board of Directors declared a dividend of seventeen cents ($0.17) per share to shareholders of record on January 31, 2011, payable on February 15, 2011. The rate of $.17 per share represents the same dividend rate paid for the same period the prior year. This is the sixtieth consecutive quarter FFD Financial Corporation has paid a dividend.

FFD Financial Corporation is traded on the NASDAQ Capital Market under the symbol FFDF. First Federal Community Bank has full service offices in downtown Dover, downtown New Philadelphia, on the Boulevard in Dover, in Sugarcreek, and in Berlin. The Corporation maintains an interactive web site at www.onlinefirstfed.com.

CONTACT: Trent B. Troyer, President & CEO
         330-364-7777 or trent@onlinefirstfed.com