SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D. C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


              November 16, 1999
- -----------------------------------------------
Date of Report (Date of earliest event reported)


                              PEOPLES BANCORP INC.
             ------------------------------------------------------
             (Exact name of Registrant as specified in its charter)


                                     0-16772
                             ----------------------
                             Commission File Number


                        Ohio                                 31-0987416
- ----------------------------------------------         -----------------------
(State or other jurisdiction of incorporation)            (I.R.S. Employer
                                                        Identification Number)

            138 Putnam Street
              P.O. Box 738,
             Marietta, Ohio                            45750
- ----------------------------------------             ----------
(Address of principal executive offices)             (Zip Code)


               Registrant's telephone number, including area code:
                                 (740) 373-3155


                                 Not applicable
          -------------------------------------------------------------
          (Former name or former address, if changed since last report)






                           Index to Exhibits on page 3



Item 1.  Changes in Control of Registrant
         Not applicable.

Item 2.  Acquisition or Disposition of Assets
         Not applicable.

Item 3.  Bankruptcy or Receivership
         Not applicable.

Item 4.  Changes in Registrant's Certifying Accountant
         Not applicable.

Item 5.  Other Events
         On November 16, 1999, The Peoples Banking and Trust Company, a
subsidiary of Peoples Bancorp Inc., announced the opening of a loan production
office in Lancaster, Ohio. The news release is included herewith as Exhibit 99.


Item 6.  Resignations of Registrant's Directors
         Not applicable.

Item 7.  Financial Statements and Exhibits
         (a) Non required
         (b) Non required
         (c) Exhibits.

              EXHIBIT NUMBER        DESCRIPTION
              --------------        -----------
                   99               News Release issued November 16, 1999

Item 8.  Change in Fiscal Year
         Not applicable.

Item 9.  Sales of Equity Securities Pursuant to Regulation S
         Not applicable.




                                   SIGNATURES


Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.



DATE:  November 16, 1999           PEOPLES BANCORP INC.
                                   --------------------
                                   Registrant



                           By:     /s/ ROBERT E. EVANS
                                   Robert E. Evans
                                   President and Chief Executive Officer




                                INDEX TO EXHIBITS


Exhibit Number                     Description                     Page
- --------------        -------------------------------------       ------
    99                News Release issued November 16, 1999         4