William J. Small, chairman, president, and chief executive officer of First Defiance Financial Corp., Defiance, Ohio, has been named president of the Federal Reserve Board's Thrift Institutions Advisory Council for 2004.Mr. Small has served for the past year as vice president of the council, which consists of 12 representatives from thrift institutions, including savings and loans, savings banks, and credit unions. It meets three times a year with the Board of Governors of the Federal Reserve System to discuss developments relating to thrifts, the housing industry, mortgage finance, and certain regulatory issues, First Defiance said. The company can be found on the Web at http://www.fdef.com.

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