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



        Date of Report (Date of earliest event reported) January 14, 2002




                      PEOPLES-SIDNEY FINANCIAL CORPORATION
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             (Exact name of Registrant as specified in its Charter)




         Delaware                     0-22223                31-1499862
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(State or other jurisdiction    (Commission File No.)      (IRS Employer
  of incorporation)                                         Identification No.)



101 E. Court Street, Sidney, Ohio                                    45365
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(Address of principal executive offices)                           (Zip Code)


       Registrant's telephone number, including area code: (937) 492-6129
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                                       N/A
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          (Former name or former address, if changed since last report)







Item 5. Other Events.

     On January 14, 2002,  Peoples-Sidney  Financial Corporation (the "Company")
issued the press release attached hereto as Exhibit 99.


Item 7. Financial Statements and Exhibits

     (c) Exhibits

     99 Press Release dated January 14, 2002







                                   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 thereunto duly authorized.

                                         PEOPLES-SIDNEY FINANCIAL CORPORATION




Date: January 14, 2002                   By:  /s/ Douglas Stewart
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                                         Douglas Stewart, President and Chief
                                         Executive Officer