Exhibit 32.2

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Oak Hill Financial, Inc. (the "Company")
on Form 10-K for the period  ending  December  31, 2003 as filed with the SEC on
the date hereof (the  "Report"),  I, Ron J.  Copher,  Chief  Financial  Officer,
Secretary and Treasurer Officer of the Company,  certify,  pursuant to 18 U.S.C.
ss.  1350,  as adopted  pursuant to ss. 906 of the  Sarbanes-Oxley  Act of 2002,
that:

      (2) The Report fully  complies with the  requirements  of Section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

      (2) The  information  contained  in the  Report  fairly  presents,  in all
material  respects,  the  financial  condition  and result of  operations of the
Company.


/s/ Ron J. Copher

Ron J. Copher
Chief Financial Officer, Secretary and Treasurer
March 24, 2005