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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): July 18, 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 July 18, 2005, the Registrant issued a news release  announcing,  among
other things,  earnings for the fourth quarter and fiscal year-end  earnings for
fiscal year ending June 30, 2005, the Registrant's declaration of a dividend and
the date for the Registrant's next annual meeting of shareholders. A copy of the
press  release is  attached as Exhibit  99.1 to this report and all  paragraphs,
except  paragraphs five and six (dealing with the Registrant's  declaration of a
dividend and the date for the Registrant's next annual meeting of shareholders),
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 July 18, 2005, the Registrant issued a press release announcing,  among
other things,  earnings for the fourth quarter and fiscal year-end  earnings for
fiscal year ending June 30, 2005, the Registrant's declaration of a dividend and
the date for the Registrant's next annual meeting of shareholders. A copy of the
press release is attached as Exhibit 99.1 to this report and paragraphs five and
six thereof are incorporated into this Item 8.01 by reference.

Section 9 - Financial Statements and Exhibits.

Item 9.01. Financial Statements and Exhibits.

      (c) Exhibits.

            The following Exhibit is being furnished herewith:

            99.1  Press Release of Peoples-Sidney  Financial Corporation,  dated
                  July 18, 2005.





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                                    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:  July 18, 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 July 18, 2005