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                       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: APRIL 10, 2000


                            OAK HILL FINANCIAL, INC.
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)


    Ohio                             0-26876                       31-1010517
- ---------------              ---------------------               --------------
(STATE OR OTHER              (COMMISSION FILE NO.)               (IRS EMPLOYER
JURISDICTION OF                                                  IDENTIFICATION
INCORPORATION OR                                                 NUMBER)
ORGANIZATION)


                              14621 State Route 93
                               Jackson, Ohio 44640
                                 (740) 286-3283
               (ADDRESS, INCLUDING ZIP CODE, AND TELEPHONE NUMBER
                       INCLUDING AREA CODE OF REGISTRANT'S
                          PRINCIPAL EXECUTIVE OFFICES)


                                 Not Applicable
          (FORMER NAME OR FORMER ADDRESS, IF CHANGED SINCE LAST REPORT)
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ITEM 5.  OTHER EVENTS.

         On April 10, 2000, Oak Hill Financial, Inc., ("Oak Hill") issued a news
release announcing its earnings for the first quarter and three months ended
March 31, 2000. The information contained in the news release, which is attached
as Exhibit 99 to this Form 8-K, is incorporated herein by this reference.

         The information contained or incorporated by reference in this Current
Report on Form 8-K may contain forward-looking statements, including certain
plans, expectations, goals, and projections, which are subject to numerous
assumptions, risks, and uncertainties. Actual results could differ materially
from those contained or implied by such statements for a variety of factors,
including: changes in economic conditions; movements in interest rates;
competitive pressures on product pricing and services; success and timing of
business strategies; the nature and extent of legislative and regulatory actions
and reforms; and extended disruption of vital infrastructure.

ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS.

         (c)  Exhibits.

             Exhibit No.                         Description

                 99            Press release of Oak Hill Financial, Inc., dated
                               April 10, 2000, announcing the company's earnings
                               for the first quarter.



                                   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.

Date: April 12, 2000                        By:  /s/ H. Tim Bichsel
                                               -------------------------------
                                                 H. Tim Bichsel, Secretary
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                                  EXHIBIT INDEX


             Exhibit No.                         Description

                 99            Press release of Oak Hill Financial, Inc., dated
                               April 10, 2000, announcing the company's earnings
                               for the first quarter.