Exhibit 99.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Quarterly  Report of Oak Hill  Financial,  Inc. (the
"Company")  on Form 10-Q for the period  ending March 31, 2003 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, John D.
Kidd, Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. ss.
1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, that:


     (1) The Report fully  complies  with the  requirements  of section 13(a) or
     15(d) of the Securities Exchange Act of 1934; and


     (2)  The  information  contained  in the  Report  fairly  presents,  in all
     material respects,  the financial condition and result of operations of the
     Company.






/s/ John D. Kidd
- ----------------------------------
Chairman & Chief Executive Officer
May 5, 2003

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