Exhibit 23

                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS



     As independent public  accountants,  we hereby consent to the incorporation
of our report  dated June 24,  2003,  included in this Form 11-K,  into Oak Hill
Financial,  Inc.'s  previously  filed Form S-8  Registration  Statement File No.
33-80741.


/s/GRANT THORNTON LLP
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Cincinnati, Ohio
June 27, 2003