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: October 23, 2001 OAK HILL FINANCIAL, INC. (Exact Name of Registrant as specified in its charter) Ohio 0-26876 31-1010517 --------------- -------------------------- ---------------------- (State or other (Commission File No.) (IRS Employer jurisdiction of Identification incorporation or Number) organization) 14621 State Route 93 Jackson, Ohio 44640 (740) 286-3283 (Address, including zip code, and telephone number including area code of Registrant's principal executive offices) Not Applicable (Former name or former address, if changed since last report) Item 5. Other Events. On October 18, 2001, Oak Hill Financial, Inc., ("Oak Hill") issued a news release announcing its earnings for the third quarter and three months ended September 30, 2001. The information contained in the news release, which is attached as Exhibit 99 to this Form 8-K, is incorporated herein by this reference. The information contained or incorporated by reference in this Current Report on Form 8-K may contain forward-looking statements, including certain plans, expectations, goals, and projections, which are subject to numerous assumptions, risks, and uncertainties. Actual results could differ materially from those contained or implied by such statements for a variety of factors, including: changes in economic conditions; movements in interest rates; competitive pressures on product pricing and services; success and timing of business strategies; the nature and extent of legislative and regulatory actions and reforms; and extended disruption of vital infrastructure. Item 7. Financial Statements and Exhibits. (c) Exhibits. Exhibit No. Description 99 Press release of Oak Hill Financial, Inc., dated October 18, 2001, announcing the company's earnings for the third quarter and nine months ended September 30, 2001. 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 hereunto duly authorized. OAK HILL FINANCIAL, INC. Date: October 23, 2001 By: /s/ H. Tim Bichsel ------------------------------- H. Tim Bichsel, Secretary EXHIBIT INDEX Exhibit No. Description 99 Press release of Oak Hill Financial, Inc., dated October 18, 2001, announcing the company's earnings for the third quarter and nine months ended September 30, 2001.