Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
ROHRS JAMES L
   2. Issuer Name and Ticker or Trading Symbol
FIRST DEFIANCE FINANCIAL CORP [FDFC] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
__X__ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Executive Vice President
(Last)
(First)
(Middle)
601 CLINTON ST.		 3. Date of Earliest Transaction (Month/Day/Year)
05/22/2006
(Street)

DEFIANCE, OH 43512		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock               25,758 (1) (2) D  
Common Stock               0 (2) I By MRP Trust
Common Stock               3,477 (3) I By ESOP

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Options $ 26.47 05/22/2006   A   1,000   05/22/2007 05/21/2007 Common Stock 1,000 $ 0 1,000 D  
Stock Options $ 25.89             04/19/2006 04/18/2015 Common Stock 2,000   2,000 D  
Stock Options $ 27.13             04/19/2005 04/18/2014 Common Stock 1,000   1,000 D  
Stock Options $ 19.53             04/21/2004 04/20/2013 Common Stock 5,000   5,000 D  
Stock Options $ 11.5625             08/30/2000 08/29/2009 Common Stock 25,000   25,000 D  
Stock Options $ 10.5163             12/18/2000 12/17/2010 Common Stock 600   600 D  
Stock Options $ 14             09/17/2001 09/16/2011 Common Stock 40,000   40,000 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
ROHRS JAMES L
601 CLINTON ST.
DEFIANCE, OH 43512		   X     Executive Vice President  

Signatures

 /s/ James L. Rohrs   05/23/2006
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Increase from previously reported balance due to shares acquired by Employee Stock Purchase Plan and Dividend Reinvestment Plan
(2) Reported shares reflect 640 shares that vested in the Company's Management Recognition Plan which previously were reflected as indirect ownership
(3) Change from previously reported balance reflects annual allocation of shares under Employee Stock Ownership Plan to participant's account
 
Remarks:
Note - Options listed above vest at 20% per year. Options with an exercise price of $11.5625, $10.5163 and $14.00 are fully
 vested. Options with an exercise price of $19.53 fully vest on 4/21/08, options with an exercise price of $27.13 fully vest
 on 4/19/09, options with an exercise price of $25.89 fully vest on 4/19/10 and options with an exercise price of $26.47 vest
 fully on 5/22/11.

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