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): January 23, 2006
                                                         ----------------
                               OC Financial, Inc.
             (Exact Name of Registrant as Specified in its Charter)

       Maryland                         000-51209                20-2111183
- -----------------------------      ---------------------       --------------
(State or Other Jurisdiction)      (Commission File No.)      (I.R.S. Employer
      of Incorporation)                                      Identification No.)


6033 Perimeter Drive, Dublin, Ohio                                  43017
- ----------------------------------                                  -----
(Address of Principal Executive Offices)                         (Zip Code)

Registrant's telephone number, including area code:  (800) 687-6228
                                                     --------------

                                 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 (see General Instruction A.2. below):

[ ] 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))






Item 5.02. Departure of Directors or Principal Officers;  Election of Directors;
Appointment of Principal  Officers
- --------------------------------------------------------------------------------

(c) On January 23, 2006,  Danny E. Hosler was appointed Vice President and Chief
Financial  Officer of OC Financial,  Inc. and its wholly owned
subsidiary,  Ohio Central  Savings.

     During the past five years, Mr. Hosler was Chief Financial Officer and then
later Vice President,  Compliance  Officer and Loan Operations Manager of United
Midwest  Savings  Bank,  DeGraff,  Ohio.  In these  positions,  Mr.  Hosler  was
responsible  for  overseeing  the  financial  reporting  by the bank  along with
managing loan  operations  and regulatory  compliance.  Mr. Hosler has seventeen
years of experience in accounting, financial services and compliance.





                                   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.

                                 OC FINANCIAL, INC.



DATE: January 26, 2006       By: /s/ Robert W. Hughes
                                ----------------------------------------------
                                 Robert W. Hughes
                                 Chairman, President and Chief Executive Officer