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.