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                                                                      EXHIBIT 24

                                POWER OF ATTORNEY
                                -----------------

         Each of the undersigned directors and officers of Oak Hill Financial,
Inc. (the "Corporation") whose signature appears below hereby appoints John D.
Kidd or H. Grant Stephenson, or either of them, as his attorney-in-fact to sign,
in his name and behalf and in any and all capacities stated below, and to cause
to be filed with the Securities and Exchange Commission, the Corporation's
Annual Report on Form 10-K (the "Annual Report") for the fiscal year ended
December 31, 1998, and likewise to sign and file any amendments, including
post-effective amendments, to the Annual Report, hereby granting unto such
attorneys and each of them full power and authority to do and perform in the
name and on behalf off the undersigned, and in any and all such capacities,
every act and thing whatsoever necessary to be done in and about the premises as
fully as the undersigned could or might do in person, hereby granting to such
attorney-in-fact full power of substitution and revocation, and hereby ratifying
all that such attorney-in-fact or his substitute may do by virtue hereof.

         IN WITNESS WHEREOF, the undersigned have executed this Power of
Attorney in counterparts if necessary, effective as of March 26, 1998.


    SIGNATURE                               TITLE

/s/John D. Kidd                     President, Chief Executive Officer, Director
- ----------------------------        (Principal Executive Officer)
   John D. Kidd                     

/s/Evan E. Davis
- ----------------------------        Chairman of the Board
   Evan E. Davis            

/s/Richard P. LeGrand
- ----------------------------        Executive Vice President and Director
   Richard P. LeGrand       

/s/H. Tim Bichsel                   Secretary and Treasurer
- ----------------------------        (Principal Accounting Officer)
   H. Tim Bichsel           

/s/Barry M. Dorsey
- ----------------------------
  Barry M. Dorsey                   Director

/s/Rick A. McNelly
- ----------------------------
   Rick A. McNelly                  Director

/s/Donald R. Seigneur
- ----------------------------
   Donald R. Seigneur               Director

/s/H. Grant Stephenson
- ----------------------------
  H. Grant Stephenson               Director

/s/C. Clayton Johnson
- ----------------------------
  C. Clayton Johnson                Director

/s/D. Bruce Knox
- ----------------------------
   D. Bruce Knox                    Director