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 Quarterly  Report of Oak Hill Financial,  Inc. (the
"Company")  on Form 10-Q for the period  ending March 31, 2005 as filed with the
Securities and Exchange  Commission on the date hereof (the "Report"),  I, R. E.
Coffman, Jr., President,  Chief Executive Officer & Chief Administrative 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 & Chief Executive Officer

July 12, 2005


















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