UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 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)      September 12, 2005

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


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


                             635 South Market Street
                                Troy, Ohio 45373
               (Address of principal executive offices) (Zip Code)


    Registrant's telephone number, including area code:         937.339.5000


         (Former name or former address, if changed since last report.)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))


                                    FORM 8-K

Item 8.01                  Other Events.
- ---------                  ------------

The following was contained in a press release issued by Peoples Ohio Financial
                       Corporation on September 12, 2005:



                       PEOPLES OHIO FINANCIAL CORPORATION
                   ANNOUNCES INCREASE IN SEMI-ANNUAL DIVIDEND


The Board of Directors of Peoples Ohio Financial Corporation, parent company of
Peoples Savings Bank (Troy-Piqua-Clayton), declared a $0.07 per share dividend
to shareholders of record on September 19, 2005. The dividend will be payable on
October 3, 2005.

This represents an increase of 7.7% over the dividend level of the previous
fiscal year. The approval by the Peoples Board of Directors continues a
progression of dividend increases initiated in 2003 by the local financial
institution.

"Peoples Savings Bank continues to focus on providing a high level of service to
our customers and value to our shareholders," Ron Scott, President/CEO
emphasized.

He pointed out that this dividend represents a yield to shareholders of 3.54%
(based on the company's current stock price).

According to Scott, the dividend increase program reflects the Board and
management's confidence in Peoples strength as a local financial institution.

Peoples Savings Bank has banking centers, ATM locations and trust offices in
Troy, Piqua and Clayton. Peoples Ohio Financial Corp. stock is traded over the
counter under the symbol "POHF." Sweeney Cartwright & Co. (Contact George
Geissbuhler at 1-800-334-7481) and Robert W. Baird Investments (Contact Bob
Lucas at 1-888-223-3296) act as market makers for the Company's stock.





                                   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

Dated: September 12, 2005