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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

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                                    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): April 19, 2005

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                      Peoples-Sidney Financial Corporation
             (Exact name of registrant as specified in its charter)

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         Delaware                        000-22223               311499862
(State or other jurisdiction of      (Commission File)         (IRS Employer
incorporation or organization)            Number             Identification No.)

                       101 East Court, Sidney, Ohio 46750
               (Address of principal executive offices)(Zip Code)

       Registrant's telephone number, including area code: (937) 492-6129

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     Check the  appropriate  box below if the Form 8-K  filing  is  intended  to
simultaneously satisfy the filing obligations 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 under the Exchange Act (17
          CFR 240.14a-12)

     [_]  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 240.13e-4 (c))

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Section 2 - Financial Information.

Item 2.02.  Results of Operations and Financial Condition.

     On April 19, 2005, the Registrant issued a news release  announcing,  among
other  things,  earnings  for the third  quarter and year to date  earnings  for
fiscal  year ending June 30,  2005.  A copy of the press  release is attached as
Exhibit 99.1 to this report and all  paragraphs,  except  paragraph six (dealing
with the Registrant's  declaration of a dividend),  are  incorporated  into this
Item  2.02 by  reference.  The  information  in this  Form  8-K,  including  the
exhibits,  relating  to this Item 2.02  shall  not be deemed to be  "filed"  for
purposes of the  Securities  Exchange  Act of 1934,  as amended  (the  "Exchange
Act"), or otherwise subject to the liabilities  thereof,  nor shall it be deemed
to be  incorporated  by  reference in any filing under the Exchange Act or under
the  Securities  Act of 1933,  as  amended,  except to the  extent  specifically
provided in any such filing.

Section 8 - Other Events.

Item 8.01.  Other Events.

     On April 19, 2005, the Registrant issued a press release announcing,  among
other things,  the Registrant's  third quarter and year to date earnings for the
fiscal year ending June 30, 2005 and a regular quarterly  dividend to be paid to
its  shareholders.  A copy of the press  release is attached as Exhibit  99.1 to
this report and  paragraph  six thereof is  incorporated  into this Item 8.01 by
reference.

Section 9 - Financial Statements and Exhibits.

Item 9.01.  Financial Statements and Exhibits.

     (c) Exhibits.
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          The following Exhibit is being furnished herewith:

          99.1   Press  Release of  Peoples-Sidney Financial Corporation,  dated
                 April 19, 2005.





                                    SIGNATURE

     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.



                                           PEOPLES-SIDNEY FINANCIAL CORPORATION

                                           By: /s/ Douglas Stewart
                                           -------------------------------------
                                           Douglas Stewart
                                           President and Chief Executive Officer
Dated:  April 19, 2005






                                  Exhibit Index
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Exhibit
Number                     Description of Exhibit
- ------                     ----------------------

99.1      Press Release of Peoples-Sidney Financial Corporation, dated April 19,
          2005