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 (Date of Earliest event reported): October 14, 2004 OAK HILL FINANCIAL, INC. (Exact name of Registrant as specified in its charter) Ohio 0-2687 631-1010517 (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) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: [_] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [_] Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b)) [_] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [_] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13(e)-4(c)) The information in this report, including the exhibit attached hereto, is furnished solely pursuant to Item 2.02 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 2.02: Results of Operations and Financial Condition On October 14, 2004, Oak Hill Financial, Inc. issued a press release announcing its results of operations and financial condition for the nine and three months ("third quarter") ended September 30, 2004. A copy of the press release is attached as Exhibit 99. Item 9.01: Financial Statements and Exhibits (c) Exhibits. Exhibit No. Description ----------- ----------- 99 Press release of Oak Hill Financial, Inc., dated October 14, 2004, announcing the Company's earnings for the third quarter ended September 30, 2004. 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: October 18, 2004 Ron J. Copher Chief Financial Officer, Treasurer & Secretary EXHIBIT INDEX Exhibit Number Description - -------------- ----------- 99 Press release of Oak Hill Financial, Inc., dated October 14, 2004, announcing the Company's earnings for the third quarter ended September 30, 2004.