Exhibit 32

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

      In connection with the Annual Report of Peoples Ohio Financial Corporation
(the "Company") on Form 10-K for the period ending June 30, 2004, as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), Ronald
B. Scott, Chief Executive Officer of the Company and Rich J. Dutton, Chief
Financial Officer of the Company, respectively, do each hereby certify, pursuant
to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 that:

                  (1) The Report fully complies with the requirements of Section
                  13(a) or 15(d) of the Securities Exchange Act of 1934; and

                  (2) The information contained in the Report fairly presents,
                  in all material respects, the financial conditions and results
                  of operations of the Company.

                                               /s/        Ronald B. Scott
                                               ---------------------------------
                                                 Ronald B. Scott
                                                 Chief Executive Officer

                                               September 24, 2004

                                               /s/        Rich J. Dutton
                                               ---------------------------------
                                                 Rich J. Dutton
                                                 Chief Financial Officer

                                               September 24, 2004