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): April 13, 2006


                            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 Item 2.02,  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 April 13, 2006, Oak Hill Financial,  Inc.  issued a press release  announcing
its results of operations  and financial  condition for the three months ("first
quarter")  ended  March 31,  2006.  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 April
                       13,  2006,  announcing  the  Company's  earnings  for the
                       first quarter ended March 31, 2006.


                                   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: April 14, 2006
                                                       Ron J Copher
                                                       Chief Financial
                                                       Officer,
                                                       Treasurer & Secretary





                                  EXHIBIT INDEX


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

      99                       Press release of Oak Hill Financial, Inc.,  dated
                               April 13, 2006, announcing the Company's earnings
                               for the first quarter ended March 31, 2006.