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


                                    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 14, 2005


                            OAK HILL FINANCIAL, INC.
             (Exact name of Registrant as specified in its charter)


         Ohio                        0-26876                  31-1010517
(State or jurisdiction of    (Commission or file number)     (IRS Employer
     incorporation)                                       identification number)


                                 14621 S. R. 93
                                Jackson, OH 45640
                    (Address of principal executive offices)


                                 (740) 286-3283
                (Registrant's phone number, including area code)


                                 Not Applicable
          (Former name or former address, if changed since last report)


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

[_]   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 240.13(e)-4(c))



      The information in this report,  including the exhibit attached hereto, is
furnished solely pursuant to Item 2.02 of this Form 8-K. Consequently, it is not
deemed "filed" for the purposes of Section 18 of the Securities  Exchange Act of
1934, or otherwise  subject to the  liabilities  of that section.  Further,  the
information  in this report,  including  the exhibit,  shall not be deemed to be
incorporated  by  reference  into  the  filings  of  the  registrant  under  the
Securities Act of 1933.

Item 2.02:  Results of Operations and Financial Condition
            ---------------------------------------------

      On July  14,  2005,  Oak  Hill  Financial,  Inc.  issued  a press  release
      announcing its results of operations  and financial  condition for the six
      and three  months  ("second  quarter")  ended June 30, 2005. A copy of the
      press release is attached as Exhibit 99.

Item 9.01:  Financial Statements and Exhibits
            ---------------------------------

            (c)   Exhibits.

                  Exhibit No.                       Description
                  -----------                       -----------

                      99            Press release of Oak Hill  Financial,  Inc.,
                                    dated   July  14,   2005,   announcing   the
                                    Company's  earnings  for the second  quarter
                                    ended June 30, 2005.



                                   SIGNATURES


      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.


                                                        Oak Hill Financial, Inc.

                                                        /s/ Ron J. Copher

Date:  July 18, 2005
                                                        Ron J. Copher
                                                        Chief Financial Officer,
                                                        Treasurer & Secretary




                                  EXHIBIT INDEX


Exhibit Number                  Description
- --------------                  -----------

      99                        Press release of Oak Hill Financial, Inc., dated
                                July 14, 2005, announcing the Company's earnings
                                for the second quarter ended June 30, 2005.