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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

-----------------------

FORM 11-K

/X/ ANNUAL REPORT PURSUANT TO SECTION 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2001

/ / TRANSITION REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES
EXCHANGE ACT OF 1934

For the transition period from ______ to ______

Commission File No. 0-05544

A. Full title of the plan and the address of the plan, if different from
that of the issuer named below:

THE OHIO CASUALTY INSURANCE COMPANY EMPLOYEE SAVINGS PLAN

B. Name of issuer of the securities held pursuant to the plan and the
address of its principal executive office:

Ohio Casualty Corporation
9450 Seward Road
Fairfield, OH 45014

Page 1 of 14
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REQUIRED INFORMATION

The Ohio Casualty Insurance Company Employee Savings Plan ("Plan") is subject
to the Employee Retirement Income Security Act of 1974 ("ERISA"). Therefore,
in lieu of the requirements of Items 1-3 of Form 11-K, the financial
statements of net assets available for the benefits of the Plan as of
December 31, 2001 and 2000, and the changes in net assets available for
benefits for the year ended December 31, 2001, which have been prepared in
accordance with the financial reporting requirements of ERISA, are attached
hereto as Appendix 1 and incorporated herein by this reference.

The following exhibit is being filed herewith:

Exhibit No. Description
- ---------- -----------

23 Independent Accountant's Consent

SIGNATURES

The Plan. Pursuant to the requirements of the Securities Exchange Act of
1934, the trustees (or other persons who administer the employee benefit
plan) have duly caused this annual report to be signed on its behalf by the
undersigned hereunto duly authorized.

THE OHIO CASUALTY INSURANCE COMPANY
EMPLOYEE SAVINGS PLAN

By: The Ohio Casualty Insurance Company Employee Savings Plan Retirement
Committee

June 28, 2002 /s/ Howard L. Sloneker III
---------------------------------
Howard L. Sloneker III
Senior Vice President

APPENDIX 1

THE OHIO CASUALTY EMPLOYEE SAVINGS PLAN

FINANCIAL STATEMENTS OF NET ASSETS AVAILABLE FOR THE BENEFITS OF THE PLAN AS
OF DECEMBER 31, 2001 AND 2000, AND THE CHANGES IN NET ASSETS AVAILABLE FOR
BENEFITS FOR THE YEAR ENDED DECEMBER 31, 2001, SUPPLEMENTAL SCHEDULES AS OF
AND FOR THE YEAR ENDED DECEMBER 31, 2001 AND INDEPENDENT ACCOUNTANT'S REPORT.

THE OHIO CASUALTY EMPLOYEE SAVINGS PLAN

TABLE OF CONTENTS

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Pages
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Report of Independent Auditors........................................ 6

Financial Statements:

Statements of Net Assets Available for Benefits
as of December 31, 2001 and 2000............................ 7

Statement of Changes in Net Assets Available for
Benefits for the year ended December 31, 2001............... 8

Notes to the Financial Statements..................................... 9-12

Supplement Schedule:

Schedule H, Line 4i - Schedule of Assets (Held At End of Year)... 13

Consent of Independent Auditors....................................... 14

Report of Independent Auditors

We have audited the accompanying statement of net assets available for
benefits of The Ohio Casualty Insurance Company Employee Savings Plan ("the
Plan") as of December 31, 2001, and the related statement of changes in net
assets available for benefits for the year then ended. These financial
statements are the responsibility of the Plan's management. Our
responsibility is to express an opinion on these financial statements based
on our audits. The financial statements of the Plan for the year ended
December 31, 2000, were audited by other auditors whose report dated June 8,
2001, expressed an unqualified opinion on those statements.

We conducted our audit in accordance with auditing standards generally
accepted in the United States. Those standards require that we plan and
perform the audit to obtain reasonable assurance about whether the financial
statements are free of material misstatement. An audit includes examining,
on a test basis, evidence supporting the amounts and disclosures in the
financial statements. An audit also includes assessing the accounting
principles used and significant estimates made by management, as well as
evaluating the overall financial statement presentation. We believe that our
audit provides a reasonable basis for our opinion.

In our opinion, the 2001 financial statements referred to above present
fairly, in all material respects, the net assets available for benefits of
the Plan at December 31, 2001, and the changes in its net assets available
for benefits for the year then ended, in conformity with accounting
principles generally accepted in the United States.

Our audit was performed for the purpose of forming an opinion on the
financial statements taken as a whole. The accompanying supplemental schedule
of assets (held at end of year) as of December 31, 2001, is presented for
purposes of additional analysis and is not a required part of the financial
statements but is supplementary information required by the Department of
Labor's Rules and Regulations for Reporting and Disclosure under the Employee
Retirement Income Security Act of 1974. The supplemental schedule is the
responsibility of the Plan's management. The supplemental schedule has been
subjected to the auditing procedures applied in our audit of the financial
statements and, in our opinion, is fairly stated in all material respects in
relation to the financial statements taken as a whole.

/s/ Ernst & Young LLP

Ernst & Young LLP
Cincinnati, Ohio
June 21, 2002

The Ohio Casualty Insurance Company Employee Savings Plan
Statements of Net Assets Available For Benefits

December 31,
2001 2000
------------ ------------

Assets

Investments $130,282,502 $ 53,828,845

Accrued interest 3,408 136,014

Receivable from sale of securities - 58,661,471
------------ ------------

Net assets available for benefits $130,285,910 $112,626,330
============ ============

See accompanying notes

The Ohio Casualty Insurance Company Employee Savings Plan
Statement of Changes in Net Assets Available for Benefits
Year Ended December 31, 2001

Additions

Investment income:
Net appreciation in fair value of investme $ 11,205,570
Interest and dividends 2,862,722
------------
14,068,292
Contributions:
Participants 8,254,511
Employer 2,812,911
------------
11,067,422
------------

Total additions 25,135,714

Deductions

Benefits paid directly to participants 7,468,507
Administrative expenses 7,627
------------
7,476,134
------------

Net increase 17,659,580

Net assets available for benefits:
Beginning of year 112,626,330
------------

End of year $130,285,910
============

See accompanying notes

The Ohio Casualty Insurance Company Employee Savings Plan
Notes To Financial Statements
December 31, 2001

1. Accounting Policies:
-------------------

The accompanying financial statements have been prepared on the accrual
basis of accounting.

A. Investment securities are stated at fair value. Shares of mutual
funds are valued at quoted market prices, which represent the net
asset values of shares held by the Ohio Casualty Employee Savings
Plan (the Plan) at year-end.

Securities traded on a national securities exchange, including Ohio
Casualty Corporation common stock, are valued at the last recorded
sales price of the last business day of the plan year.

The fair value of the participation units owned by the Plan in common
trust funds, are based on quoted redemption values on the last
business day of the plan year.

B. Interest income is recorded as earned. Dividend income is recorded
on the ex-dividend date.

C. Purchases and sales of securities are recorded on a trade-date basis.

D. The Plan presents in the statement of changes in net assets available
for benefits the net appreciation (depreciation) in the fair value of
its investments which consists of the realized gains or losses and
the unrealized appreciation (depreciation) on those investments.

E. Contributions from participants and the Company are recorded in the
month the Company makes payroll deductions from Plan participants.

F. Benefits are recorded by the Trustee when paid.

G. The preparation of financial statements in conformity with accounting
principles generally accepted in the United States requires
management to make significant estimates and assumptions that affect
the amounts reported in the financial statements and accompanying
notes. Actual results could differ from those estimates.

2. Description of Plan:
-------------------

The following brief description of the Plan is provided for general
information purposes only. Reference should be made to the Plan Document
and The Ohio Casualty Insurance Company Employee Benefits Manual for a
complete description of the Plan.

A. General:

The Plan, which is subject to provisions of the Employees Retirement
Income Security Act of 1974 (ERISA), is a defined contribution plan
covering all employees of the Company who have elected to
participate.

The Ohio Casualty Insurance Company Employee Savings Plan
Notes To Financial Statements, Continued
December 31, 2001

2. Description of Plan, Continued:
------------------------------

B. Effective January 1, 2001, Fidelity Investments became the
recordkeeper and trustee for the Employee Savings Plan. All of the
investment options, with the exception of the Interest Income Fund
and the Ohio Casualty Stock Fund, were sold and reinvested on January
2, 2001 in comparable funds offered by Fidelity Investments. The T.
Rowe Price Small Cap Core Equity Fund Plan assets were transferred to
the T. Rowe Price Small Cap Value Fund; the Vanguard Institutional
Index Fund Plan assets were transferred to the Fidelity US Equity
Index Pool Fund; ICAP FDS Equity Fund Plan assets were transferred to
the Fidelity Equity Income Fund; Vanguard Balanced Index Fund Plan
assets were transferred to the Fidelity Balanced Fund; and CT&T FDS
Montag & Caldwell Growth Fund Plan assets were transferred to the
Fidelity Blue Chip Fund.

C. Participants of the Plan must be at least 18 years of age to be
eligible.

D. Participants direct the investment of their contributions into the
fund options available. Participants may contribute between 1-22% of
eligible compensation to the Plan on a before and/or after-tax basis.
The Company matches 50% of the first 6% of eligible compensation
contributed to the Plan. Employer contributions are directed to the
Ohio Casualty Stock Fund. The Ohio Casualty Stock Fund is an Employee
Stock Ownership Plan (ESOP). Eligible Plan participants can
diversify a portion of these contributions after meeting the Plan's
eligibility requirements (age 55 and 10 years of Plan participation).
Participants are 100% vested in the value of their contributions and
their investment earnings, as well as 100% vested in the value of the
Company contributions and their investment earnings.

E. Each participant's account is credited with his/her contributions,
his/her share of the Company's contributions and an allocation of
fund earnings. Allocations of fund earnings are based on
participant's account balances, as defined by the Plan. The
participant is entitled to his fully vested account balance.

F. Certain costs of administering the Plan are paid by the Company.
These costs totaled $70,464 and $263,622 for the years ended December
31, 2001 and 2000.

G. Benefits are payable to participants upon termination of employment,
retirement, disability retirement, and/or death. In-service
withdrawals, including withdrawals due to financial hardship as
defined by the Internal Revenue Service, are also available.

The Ohio Casualty Insurance Company Employee Savings Plan
Notes To Financial Statements, Continued
December 31, 2001

3. Plan Termination:
----------------

Although it has not expressed any intention to do so, the Company has the
right under the Plan to discontinue its contributions at any time and to
terminate the Plan subject to the provisions set forth in ERISA.

In the event of Plan termination, the Plan's assets will be used to
provide benefits for participants and beneficiaries in accordance with
federal law.

4. Tax Status:
----------

The Plan has received a determination letter from the Internal Revenue
Service dated December 16, 1998, stating that the Plan is qualified under
Section 401(a) of the Internal Revenue Code (the Code) and, therefore,
the related trust is exempt from taxation. However, subsequent to the
issuance of the favorable determination letter, the Plan was amended.
Once qualified, the Plan, as amended, is required to operate in
conformity with the Code to maintain its qualification. The Plan
Administrator believes the Plan, as amended, is being operated in
compliance with the applicable requirements of the Code and,
therefore, believes that the Plan is qualified and the related trust is
tax exempt.

5. Investments:
-----------

The following investments represent 5% or more of the Plan's net assets:

Fair Value
-----------------------------
December 31, December 31,
2001 2000
-----------------------------

Common Stock
- ------------
Ohio Casualty Corporation (a) $37,897,171 $25,690,390

Common/Collective Trust
- -----------------------
LaSalle National Trust, N.A. - 25,777,337

Mutual Funds
- ------------
T. Rowe Price Small Cap Fund 9,759,084 7,251,784

Fidelity Equity Income Fund 8,520,459 -

Fidelity Balance Fund 11,920,290 -

Fidelity Blue Chip Fund 9,630,688 -

Fidelity Managed Income Portfolio II 26,191,621 -

Fidelity US Equity Index Pool 18,461,647 -

(a) Nonparticipant-directed investments totaled $36,967,782
and $22,727,942 as of December 31, 2001 and 2000,
respectively.

The Ohio Casualty Insurance Company Employee Savings Plan
Notes To Financial Statements, Continued
December 31, 2001

6. Nonparticipant-Directed Investments:
-----------------------------------

Information about the net assets and the significant components of
changes in net assets related to nonparticipant-directed investments is
as follows:

December 31,
2001 2000
---- ----

Investments, at fair value:
Ohio Casualty Stock Fund $36,967,782 $22,727,942
=========== ===========

Year ended
December 31, 2001
-----------------

Change in net assets:
Contributions $ 2,812,911
Interest and dividends 2,185
Net appreciation in fair value of investments 13,477,460
Interfund transfers under ESOP plan (20,522)
Benefits paid directly to participants (2,032,194)
------------
$14,239,840

7. Loans Receivable - Participants:
-------------------------------
Participants are permitted to borrow from the trust using their vested
account balance as collateral. The minimum loan amount is $1,000 and the
maximum loan amount is the lessor of $50,000 reduced by the participant's
highest outstanding aggregate balance of loans from the Plan during the
previous twelve (12) months, the total value of the participant's before-
tax and after-tax accounts, or 50% of the vested value of the
participant's accounts. Interest is charged at Chase Manhattan Bank's
prime commercial rate plus 1%. Repayment of loans are arranged through
payroll deductions which may be specified up to 130 biweekly payments
(five years) or 390 biweekly payments (15 years) for a home loan. At
December 31, 2001 there were 604 individual loans outstanding, maturing
between January 2002 through December 2006, with interest rates ranging
from 6.00% to 10.00%.

The Ohio Casualty Insurance Company Employee Savings Plan

Schedule H, Line 4i - Schedule of Assets (Held At End of Year)

INVESTMENTS UNITS/SHARE COST FAIR VALUE
- ----------------------------------------- ----------- -------- --------------

Cash and Cash Equivalents:
Interest-bearing cash 22,349 $ 1,930,469 $ 1,930,469
Common Stock:
Ohio Casualty Corporation 438,726 29,474,970 37,897,171
Mutual Funds:
Franklin Small Cap Growth 27,860 868,412
T. Rowe Price Small Cap 430,674 9,759,084
Fidelity Equity Income 174,707 8,520,459
Fidelity Balanced 800,020 11,920,290
Fidelity Blue Chip 224,282 9,630,688
Fidelity Diversified Intl 19,791 377,612
Fidelity Freedom Income 17,764 194,163
Fidelity Freedom 2000 11,778 135,688
Fidelity Freedom 2010 44,302 558,649
Fidelity Freedom 2020 46,575 585,908
Fidelity Freedom 2030 28,014 351,856
Fidelity Freedom 2040 9,433 69,713
Common/Collective Trusts:
Fidelity Managed Income Portfolio II 26,191,621 26,191,621
Fidelity US Equity Index Pool 547,012 18,461,647
Loans:
Loans To Participants, with interest rates
ranging from 6.00% to 10.00% and maturity
dates of 2001 through 2006 2,829,072
--------------------------
TOTAL INVESTMENTS $31,405,439 $130,282,502
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Exhibit 23

CONSENT OF INDEPENDENT ACCOUNTANTS

We consent to the incorporation by reference in the Registration Statements
(Form S-8 Nos. 333-69895 and 333-87413) pertaining to the Employees' Savings
Plan of Ohio Casualty Corporation of our report dated June 21, 2002, with
respect to the financial statements and schedules of the Ohio Casualty
Corporation Employees' Savings Plan included in this Annual Report (Form 11-K)
for the year ended December 31, 2001.

/s/ Ernst and Young LLP

Ernst and Young LLP
Cincinnati, Ohio

June 26, 2002