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

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                                    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 30, 2003


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

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           DELAWARE                         0-24120               31-1403116
(State or other jurisdiction of       (Commission File)         (IRS Employer
 incorporation or organization)             Number           Identification No.)


                 28 EAST MAIN STREET, SPRINGFIELD, OH 45501-0509
               (Address of principal executive offices)(Zip Code)


       Registrant's telephone number, including area code: (937) 325-4683

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                                TABLE OF CONTENTS

Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits.

Item 9.  Regulation FD Disclosure (information furnished in this Item 9 is
         furnished under Item 12).

Signatures

Exhibit Index

Exhibit 99.1


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ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.

     (c) Exhibits.

          The following Exhibit is being furnished herewith:

          99.1     Registrant's Press Release, dated April 24, 2003.

ITEM 9.  REGULATION FD DISCLOSURE (INFORMATION FURNISHED IN THIS ITEM 9 IS
         FURNISHED UNDER ITEM 12).

     In accordance with Securities Exchange Commission Release No. 33-8216, the
following information, which is intended to be furnished under Item 12, "Results
of Operations and Financial Condition," is instead being furnished under Item 9,
"Regulation FD Disclosure." This information shall not be deemed "filed" for
purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the
"Exchange Act"), or incorporated by reference in any filing under the Securities
Act of 1933, as amended, or the Exchange Act.

     On April 24, 2003, the Registrant announced the results of operations and
financial position as of, and for the first quarter ended March 31, 2003. The
press release is attached hereto as Exhibit 99.1 and is incorporated herein by
reference.


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                                    SIGNATURE

     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.



                                        WESTERN OHIO FINANCIAL CORPORATION

                                    By: /s/ John W. Raisbeck
                                        _______________________________________
                                        John W. Raisbeck
                                        President and Chief Executive Officer

Dated:  April 30, 2003






                                  Exhibit Index

Exhibit
Number                     Description of Exhibit
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99.1              Registrant's Press Release dated April 24, 2003