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): October 10, 2003

                       Peoples Ohio Financial Corporation
                       ----------------------------------
             (Exact name of registrant as specified in its charter)



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




                    635 South Market Street, Troy, Ohio 45373
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                    (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 October 10, 2003


FOR MORE INFORMATION                                PLEASE CONTACT: LINDA DANIEL
NEWS RELEASE                                                   VP MARKETING/ADM.
- ------------                                                      (937) 339-5000
FOR IMMEDIATE RELEASE

Peoples Savings Bank (Troy-Piqua-Clayton) is pleased to announce that John A.
Wannemacher is joining the local bank as vice-president of trust operations.

A well-known Troy-based attorney who specializes in trust law, Wannemacher has
been in legal practice for 37 years and is a partner with Dungan and LeFevre,
L.P.A. He also serves as secretary of the law firm which has offices in Troy,
Piqua and Covington.

In making the announcement, Peoples President/CEO Ron Scott said the local bank
is very fortunate to have Wannemacher join the trust division.

"John Wannemacher is not only known in Troy but throughout Miami County as an
excellent lawyer in trust matters and as a tireless community volunteer," Scott
said.

Wannemacher was recently recognized for his 30 years of service as a member of
the board of the Miami County Park District which has grown and developed
significantly over that time period. He currently serves as president of that
board.

Scott further pointed out that, as a truly local bank, Peoples needs to meet
changing customer needs. As a result, the bank has initiated a reorganization of
its trust department in order to become a more complete financial services
provider. He said that bank trust departments and services offered have changed
over the past few years due to new legislation, to broadened regulatory
opportunities for banks, and to different consumer expectations.

"We believe that the depth of experience and expertise which John brings to his
new position enables Peoples to not only deliver very good trust services but
also to expand into complete investment services, financial and retirement
planning, insurance products and other services," Scott said. He added that,
just as Peoples was among the first thrifts in Ohio to open a trust department
over eight years ago, it is now time to reinvent that area of service again.





Born and raised in Mercer County, Wannemacher has spent his entire law career in
Troy and Miami County. He received an undergraduate Bachelor of Science degree
from the University of Dayton and his juris doctorate from the Salmon P. Chase
School of Law. Besides his long-term involvement with the county park system, he
is a member of Troy Rotary, Knights of Columbus, St. Patrick's Catholic Church
and has served on numerous other community boards over the years.
Professionally, he is a member of the Miami County Bar Association, the Ohio
State Bar Association and the American Bar Association.

Wannemacher lives in Troy with wife, Barbara, recently retired teacher with the
Troy City Schools. They have three grown children - J. Andrew, William Matthew
and Katherine - and one grandchild, Margaret Elizabeth.








                                   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:  October 10, 2003