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: July 9, 2004




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









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








     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 July 8,  2004,  Oak Hill  Financial,  Inc.  issued a press  release
          announcing its results of operations  and financial  condition for the
          six and three months ("second quarter") ended June 30, 2004. 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/ Ron J. Copher

Date:  July 9, 2004
                                                   Ron J. Copher
                                                   Chief   Financial    Officer,
                                                   Treasurer & Secretary










                                  EXHIBIT INDEX


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

99                           Press release of Oak Hill Financial, Inc., dated
                             July 8, 2004, announcing the Company's earnings for
                             the second quarter ended June 30, 2004.