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) July 16, 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 July 16, 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 July 16, 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:     July 16, 2002           By:    /s/ Douglas Stewart
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                                         Douglas Stewart, President and Chief
                                         Executive Officer