PEOPLES SIDNEY FINANCIAL CORP
8-K, 2000-09-18
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) September 15, 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
-----------------------------------------------      ---------------------------
(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 September 15, 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 September 15, 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:    September 18, 2000           By:   /s/ Douglas Stewart
         ------------------                 ------------------------------------
                                            Douglas Stewart, President and Chief
                                            Executive Officer





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