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: January 9, 2004




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



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






     The information in this report,  including the exhibit attached hereto,  is
furnished solely pursuant to Item 12 of this Form 8-K.  Consequently,  it is not
deemed "filed" for the purposes of Section 18 of the Securities  Exchange Act of
1934, or otherwise  subject to the  liabilities  of that section.  Further,  the
information  in this report,  including  the exhibit,  shall not be deemed to be
incorporated  by  reference  into  the  filings  of  the  registrant  under  the
Securities Act of 1933.


Item 12: Results of Operations and Financial Condition
         ----------------------------------------------

     On  January  8,  2004,  Oak Hill  Financial,  Inc.  issued a press  release
     announcing its results of operations and financial condition for the twelve
     and three months ("fourth  quarter") ended December 31, 2003. A copy of the
     press release 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.



                                                     /s/ H. Tim Bichsel
                                                     ---------------------------
Date: January 9, 2004                                    H. Tim Bichsel
                                                         Secretary













                                  EXHIBIT INDEX


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

    99              Press release of Oak Hill Financial,  Inc., dated January 8,
                    2004,  announcing  the Company's  earnings for the fourth
                    quarter December 31, 2003.