UNITED STATES
                    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: April 11, 2003




                            OAK HILL FINANCIAL, INC.
             (Exact name of Registrant as specified in its charter)







           Ohio                         0-26876                 31-1010517
(State or jurisdiction of     (Commission or file number)      (IRS Employer
      incorporation)                                      identification number)



                                 14621 S. R. 93
                                Jackson, OH 45640
                    (Address of principal executive offices)




                                 (740) 286-3283
                (Registrant's phone number, including area code)




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





Item 9:        Regulation FD Disclosure
               ------------------------

               On April  10,  2003,  Oak  Hill  Financial,  Inc.  issued a press
               release  announcing  its  results  of  operations  and  financial
               condition for the three months ("first  quarter") ended March 31,
               2003. A copy of the press release is being furnished  pursuant to
               Item 12:  "Results of Operations and Financial  Condition" and is
               attached as Exhibit 99.





                                   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.


                                                    Oak Hill Financial, Inc.



Date:  April 11, 2003                               By: /s/ H. Tim Bichsel
                                                    ----------------------------
                                                            H. Tim Bichsel
                                                            Secretary








                                  EXHIBIT INDEX


Exhibit Number                          Description
- --------------                          -----------

99                                      Press  release  of Oak  Hill  Financial,
                                        Inc.,  dated April 10, 2003,  announcing
                                        the  Company's  earnings  for the  first
                                        quarter ended March 31, 2003.