Playing early in the day, Mallon and Jerman shared the lead at 7-under 135.
Mallon, who won the U.S. Open last month, put together a 69 that included a double-bogey on the par-3 sixth hole and an eagle on the par-5 17th.
She couldn't have been happier when the winds picked up at Highland Meadows Golf Club.
'What I like about the wind is it brings the cream to the top,' Mallon said. 'You have to be a good ball-striker, you have to have a good short game. It divides the field into who's playing the best and who's faking it out there.'
Scores rose by an average of almost a half a stroke for the 144-player field.
Jerman, a second-year pro who has never led an LPGA event, had five birdies and two bogeys for a 68.
With no wins and 18 missed-cuts in 40 career LPGA starts, Jerman tried not to think about the leader board.
'My caddie (Dave Brooker) did a great job of talking about everything except golf, so it was a very relaxed atmosphere,' she said. 'I felt like I was playing a practice round: hit the shot, see where it ends up and go and hit it again.'
Brandie Burton was alone in third, a shot back, after a 69. Karrie Webb had a 68 and was tied for fourth with first-round leader Karen Stupples.
Stupples followed a 65 with a 1-over 72 and said she felt worn down as she played the final few holes. She won the British Open on Sunday, then celebrated for two days before flying to Toledo on the eve of the tournament.
'It's all starting to finally catch up with me, not so much physically but mentally,' she said. 'It hit me on 12. Every shot seemed like, 'OK, I've really got to fight on this shot.' But it was OK. I hung in there pretty good. I'm really looking forward to getting a good night's sleep and coming back strong for the weekend.'
Defending champion Se Ri Pak battled the conditions and shot a 72 that left her three shots back in sixth place.
'It wasn't easy today,' said Pak, winner of four of the last six Farrs. 'The wind was picking up. Usually this golf course does not have much wind. But it wasn't an easy wind. I started at 12:40 (p.m.) and it started getting stronger. That wind kind of gave us a hard time all day.'
Pak is trying to become only the second player to win the same LPGA event five times, matching Mickey Wright who won the Sea Island Open in 1957-58, 1960-61 and 1963.
'I'm glad I finished today and I'm not too much behind,' she said. 'The next two days, this golf course is going to make me happy; I still feel good about it. I'm going to go to the range and work on my swing.'
Mallon hurried away from the course after her round so she and fellow pro Beth Daniel could take batting practice with the minor-league Toledo Mud Hens.
'I did it before a (San Francisco) Giants game,' Mallon said. 'I wasn't very good, but maybe they'll let us hit off one of those tees.'
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