PEOPLES SIDNEY FINANCIAL CORP
8-K, 2000-10-19
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                       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 (Date of earliest event reported) October 16, 2000




                      PEOPLES-SIDNEY FINANCIAL CORPORATION
--------------------------------------------------------------------------------

             (Exact name of Registrant as specified in its Charter)




           Delaware                     0-22223               31-1499862
--------------------------------------------------------------------------------
(State or other jurisdiction      (Commission File No.)    (IRS Employer
  of incorporation)                                         Identification No.)





101 E. Court Street, Sidney, Ohio                                    45365
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(Address of principal executive offices)                           (Zip Code)


Registrant's telephone number, including area code:   (937) 492-6129
                                                      ---------------

                                       N/A
--------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)


<PAGE>



Item 5.    Other Events

           On  October  16,  2000,  Peoples-Sidney  Financial  Corporation
           issued the press release attached hereto as Exhibit 99.

Item 7.    Financial Statements and Exhibits

           (c)       Exhibits

                     99        Press Release dated October 16, 2000.




<PAGE>



                                   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 thereunto duly authorized.

                                   PEOPLES-SIDNEY FINANCIAL CORPORATION




Date:   October 19, 2000           By:    /s/ Douglas Stewart
       -----------------                  --------------------------------------
                                          Douglas Stewart, President and Chief
                                          Executive Officer





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