UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
ANNUAL REPORT PURSUANT TO SECTION 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934
For the Fiscal Year Ended December 31, 2003
Commission File Number: 0-26876
A. Full title of the plan and the address of
the plan, if different from that of the
issuer named below:
OAK HILL FINANCIAL. INC. 401(K) AND PROFIT SHARING PLAN
14621 State Route 93
Jackson, Ohio 45640
B. Name of the issuer of the securities held
pursuant to the plan and the address of
its principal executive office:
OAK HILL FINANCIAL, INC.
14621 State Route 93
Jackson, Ohio 45640
FINANCIAL STATEMENTS AND EXHIBITS
The following financial statements and exhibits are filed as part of this annual
report:
Exhibit 23 Consent of Registered Independent Public Accountant
Exhibit 99 Financial statements and schedule of the Oak Hill
Financial, Inc. 401(k) and Profit Sharing Plan (the
"Plan") for the years ended December 31, 2003 and
2002
SIGNATURES
The Plan, pursuant to the requirements of the Securities and Exchange Act of
1934, Oak Hill Financial, Inc., the Plan Sponsor and Named Fiduciary, has duly
caused this annual report to be signed on its behalf by the undersigned hereunto
duly authorized.
OAK HILL FINANCIAL, INC. 401(K)
AND PROFIT SHARING PLAN
By: Oak Hill Financial, Inc.
Date: June 29, 2004 By: /s/ Ron J. Copher
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Ron J. Copher
Chief Financial Officer,
Treasurer & Secretary