EXHIBIT 23


               CONSENT OF REGISTERED INDEPENDENT PUBLIC ACCOUNTANT



     We hereby  consent to the  incorporation  by reference in the  Registration
Statement on Form S-8  pertaining  to the Oak Hill  Financial,  Inc.  401(k) and
Profit  Sharing  Plan (the  "Plan"),  of our report  dated June 25,  2004,  with
respect to the financial statements of the Plan as of December 31, 2003 and 2002
included  in the  Plan's  Annual  Report on the Form  11-K for the  years  ended
December 31, 2003 and 2002, filed with the Securities and Exchange Commission.


/s/ Grant Thornton LLP


Cincinnati, Ohio
June 28, 2004