The main objective of this paper was to characterize the physical and chemical properties of the locally produced fly ash, to study its suitability to be utilized in concrete mixtures and to determine the degree of its pozzolanity .Physical and chemical properties of fly ash were tested according to the standards of the American Society of Testing and Materials (ASTM C311-02). Fly ash was tested for density, fineness, moisture, Loss on Ignition (LOI), chemical composition, X-ray Fluorescence test (XRF), X-ray Diffraction test (XRD) and strength test. The results were then compared with the (ASTM C618-03). It was found that the locally produced fly ash contains high level of silicon dioxide, hence it can be classified, based on its chemical ...