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: February 27, 2004




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




         Ohio                       0-26876                      31-1010517
(State or jurisdiction    (Commission or file number)     (IRS Employer
 of 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 5:   Other Events and Regulation FD Disclosure
          -----------------------------------------

          On February 26, 2004, Oak Hill  Financial,  Inc. issued a news release
          announcing  that its Board of Directors has  authorized the repurchase
          of up to 300,000  shares,  or  approximately  5.4%, of its outstanding
          common stock through open market or privately negotiated transactions.
          The  information  contained in the news release,  which is attached as
          Exhibit 99 to this Form 8-K, is incorporated herein by this reference.

Item 7:   Financial Statements and Exhibits
          ---------------------------------

          (c)  Exhibits

                Exhibit No.                        Description
                -----------                        -----------

                    99             Press release of Oak  Hill  Financial,  Inc.,
                                   dated  February  26,  2004,   announcing  the
                                   repurchase of up to 300,000 shares,  or 5.4%,
                                   of its outstanding common stock.









                                   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:  February 27, 2004                                /s/ H. Tim Bichsel
                                                        ------------------------
                                                        H. Tim Bichsel
                                                        Secretary