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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 8 - Other Events.

Item 8.01.  Other Events.

     On April 19, 2005,  the  Registrant  issued a press release  announcing the
authorization of the commencement of a 5% stock  repurchase  program.  A copy of
the press release is attached as Exhibit 99.1 to this report and 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
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99.1      Press Release of Peoples-Sidney Financial Corporation, dated April 19,
          2005.