SECURITIES AND EXCHANGE COMMISSION


                              Washington, DC 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): March 14, 2002

                       PEOPLES OHIO FINANCIAL CORPORATION
                       ----------------------------------
             (Exact name of registrant as specified in its charter)



          Ohio                 0-49619                    31-1795575
- ------------------------ --------------------- ---------------------------------
(State of Incorporation) (Commission File No.) (IRS Employer Identification No.)




                    635 SOUTH MARKET STREET, TROY, OHIO 45373
                    -----------------------------------------
                    (Address of principal executive offices)


Registrant's telephone number, including area code:  (937) 339-5000





                                    FORM 8-K

ITEM 5.           OTHER EVENTS.

                  The following was contained in a press release issued by
Peoples Ohio Financial Corporation on March 14, 2002:

NEWS RELEASE                                             For Further Information
For Immediate Release                                     Contact:  Linda Daniel
                                                                   VP Mktg./Adm.
                                                                  (937) 339-5000



                              Peoples Savings Bank
                         Increases Semi-Annual Dividend


The Board of Directors and Management of Peoples Savings Bank announce approval
of a semi-annual dividend of $.035 per share to be paid on April 29, 2002, to
shareholders of record on April 8, 2002.

This reflects an increase over the previous dividend ($.03) paid in October of
last year which was double the amount of earlier dividends paid. According to
Ronald Scott, President/CEO, this increase reflects the sound performance and
success of Peoples Savings Bank.

He pointed out that fiscal year 2001 was the second most profitable in the
history of the 112 year-old bank . . . only slightly behind record earnings of
fiscal 2000. Scott also noted that Peoples announced the second quarter ended
December 31, 2001 was the best earnings quarter ever for the local bank.

    Successful completion of reorganization of Peoples into a holding company
           (Peoples Ohio Financial Corporation) was announced in late
         January, 2002. This was another significant accomplishment for
                       the local bank, according to Scott.

     "Peoples Savings Bank has continued to successfully reinvent itself as
          an organization," Scott said. "And each time the process has
           been designed to improve and broaden services to customers
                     and to create value for shareholders."

         Chartered under Ohio law in 1890, Peoples now has full-service
            banking centers, ATM locations and trust offices in Troy,
               Piqua and Clayton. Shares of Peoples Ohio Financial
                 Corporation (POHF) are traded over-the-counter.






                                   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 thereunto duly authorized.


                             PEOPLES OHIO FINANCIAL CORPORATION


                             By:  /s/ Ronald B. Scott
                                  ----------------------------------------
                                  Ronald B. Scott
                                      President



Date:  March 14, 2002