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.