================================================================================

                                                                    Exhibit 32.1

                            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, R. E.  Coffman,  Jr.,  President  and Chief
Executive  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:

      (1) 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/ R. E.  Coffman, Jr.

R. E. Coffman, Jr.
President and Chief Executive Officer
March 24, 2005


                                       81