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 Quarterly Report of Peoples Ohio Financial
Corporation (the "Company") on Form 10-Q for the period ending September 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

                                 November 12, 2004

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

                                 November 12, 2004

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