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: January 18, 2002



                            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 January 17, 2002, Oak Hill Financial,  Inc.,  ("Oak Hill") issued a news
release  announcing  its earnings for the fourth  quarter and three months ended
December 31, 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
                             January 17, 2002, announcing the company's earnings
                             for the fourth  quarter and twelve  months  ended
                             December 31, 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:  January 18, 2002                By:    /s/ H. Tim Bichsel
                                          -------------------------------------
                                              H. Tim Bichsel, Secretary







                                  EXHIBIT INDEX


             Exhibit No.                      Description

                 99          Press release of Oak Hill Financial, Inc., dated
                             January 17, 2002, announcing the company's earnings
                             for the fourth  quarter and twelve  months  ended
                             December 31, 2001.