UNITED STATES
                     SECURITIES AND EXCHANGE COMMISSION
                            Washington, DC  20549

                                  FORM 8-K

                               CURRENT REPORT

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

      Date of Report (Date of earliest event reported): April 26, 2005
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                             ASB Financial Corp.
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           (Exact name of registrant as specified in its charter)

            Ohio                     0-25906                31-1429488
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 (State or other jurisdiction       (Commission            (IRS Employer
      of incorporation)            File Number)         Identification No.)

      503 Chillicothe Street, Portsmouth, Ohio                 45662
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      (Address of principal executive offices)               (Zip Code)

     Registrant's telephone number, including area code: (740) 354-3177
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        (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of
the following provisions (see General Instruction A.2. below):

[ ]   Written communications pursuant to Rule 425 under the Securities Act
      (17 CFR 230.425)

[ ]   Soliciting material pursuant to Rule 14a-12 under the Exchange Act
      (17 CFR 240.14a-12)

[ ]   Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

[ ]   Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240.13e-4(c))





Section 2 - Financial Information

Item 2.02   Results of Operations and Financial Condition.
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      On April 26, 2005, ASB Financial Corp. issued a press release regarding
its earnings for the quarter ended March 31, 2005.  The press release is
attached as Exhibit 99 hereto and is incorporated herein by reference.

Section 9 - Financial Statements and Exhibits

Item 9.01   Financial Statements and Exhibits.
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      (a) and (b).  Not applicable.

      (c)   Exhibits.

            See Index to Exhibits.





                                 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.


                                       ASB FINANCIAL CORP.


                                       By: /s/ Robert M. Smith
                                           --------------------------------
                                           Robert M. Smith
                                           President

Date: April 26, 2005





                              INDEX TO EXHIBITS

Exhibit Number                          Description
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      99          Press Release of ASB Financial Corp. dated April 26, 2005