EXHIBIT 23


                          INDEPENDENT AUDITOR'S CONSENT


         We have  issued our report  dated  February 8, 2001,  accompanying  the
consolidated  financial  statements  of Oak  Hill  Financial,  Inc.,  which  are
incorporated  within the Annual Report on Form 10-K for the year ended  December
31, 2000. We hereby consent to the  incorporation by reference of said report in
Oak Hill Financial, Inc.'s Form S-8.




/s/ Grant Thornton LLP


Cincinnati, Ohio
March 13, 2001