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: JULY 22, 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.
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                  The following Exhibit is being furnished herewith:

                  99.1     Registrant's Press Release, dated July 17, 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 July 17, 2003, the Registrant announced the results of operations
and financial position as of, and for the first quarter ended June 30, 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:  July 22, 2003






                                  Exhibit Index

Exhibit
Number                     Description of Exhibit
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99.1              Registrant's Press Release dated July 17, 2003