PEOPLES BANCORP INC
8-K, 1999-09-20
STATE COMMERCIAL BANKS
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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

              September 13, 1999
_______________________________________________
Date of Report (Date of earliest event reported)


                              PEOPLES BANCORP INC.
             ______________________________________________________
             (Exact name of Registrant as specified in its charter)


                                     0-16772
                             ______________________
                             Commission File Number


                 Ohio                                  31-0987416
______________________________________________       _______________________
(State or other jurisdiction of incorporation)       (I.R.S. Employer
                                                      Identification Number)

          138 Putnam Street
    P.O. Box 738, Marietta, Ohio                       45750
________________________________________             __________
(Address of principal executive offices)             (Zip Code)


               Registrant's telephone number, including area code:
                                 (740) 373-3155


                                 Not applicable
          _____________________________________________________________
          (Former name or former address, if changed since last report)


                           Index to Exhibits on page 3


Item 1.  Changes in Control of Registrant
         Not applicable.

Item 2.  Acquisition or Disposition of Assets
         Not applicable.

Item 3.  Bankruptcy or Receivership
         Not applicable.

Item 4.  Changes in Registrant's Certifying Accountant
         Not applicable.

Item 5.  Other Events
         On September 13, 1999,  Peoples Bancorp Inc. announced plans of one of
its  subsidiaries,  The Peoples Banking and Trust Company  ("Peoples  Bank"), to
introduce  Peoples  OnLine  Connection,  an  Internet-based  electronic  banking
system.  The release is included herewith as Exhibit 99.

Item 6.  Resignations of Registrant's Directors
         Not applicable.

Item 7.  Financial Statements and Exhibits
         (a) Non required
         (b) Non required
         (c) Exhibits.

EXHIBIT NUMBER        DESCRIPTION
______________        ______________________________________
99                    News Release issued September 13, 1999

Item 8.  Change in Fiscal Year
         Not applicable.

Item 9.  Sales of Equity Securities Pursuant to Regulation S
         Not applicable.


                                   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.



DATE:  September 13, 1999                  PEOPLES BANCORP INC.
                                           ____________________
                                           Registrant



                                   By: /S/ ROBERT E. EVANS
                                           Robert E. Evans
                                           President and Chief Executive Officer




                                INDEX TO EXHIBITS


Exhibit Number         Description                               Page
______________         ______________________________________    ______
     99                News Release issued September 13, 1999    4 - 5




                                   EXHIBIT 99

NEWS RELEASE
____________

FOR IMMEDIATE RELEASE           Contact:  Larry Holdren
September 13, 1999                        President, Retail and Banking Division
                                          (740) 373-3155


                 PEOPLES BANK TO OFFER INTERNET BANKING PRODUCT
_______________________________________________________________________________
                    Customers will be able to "bank on-line"

     Marietta,  Ohio - The Peoples Banking and Trust Company ("Peoples Bank"), a
subsidiary of Peoples  Bancorp Inc.  (Nasdaq:  PEBO),  today  announced plans to
introduce  Peoples  OnLine  Connection,  an  Internet-based  electronic  banking
system.
     Peoples OnLine Connection will bring together a wide range of financial
services and products at one site, 24 hours a day,  making banking and financial
management easier than ever before.
         "With the dynamic  world of e-commerce  upon us,  Peoples Bank has been
dedicated  since January to devise and  implement  Peoples  OnLine  Connection,"
commented  Larry E.  Holdren,  President  of Peoples  Bank's  Retail and Banking
Division.  "This  electronic  connection will enable us to provide our customers
with enhanced, customer-driven quality service they have come to expect."
         Holdren continued, "We have worked for nearly 100 years to build strong
relationships  with our customers and understand their financial needs.  Peoples
OnLine  Connection  provides  our customer  with  another  means to access their
accounts and financial  information.  It empowers each customer to control their
own financial matters and accelerates the  transaction-oriented  process to make
it easier to connect with Peoples Bank."
         With Peoples OnLine Connection and through a personal computer, Peoples
Bank's customers will be able to enjoy easy access to comprehensive,  up-to-date
information,  including  viewing account history and real-time current balances,
transferring money between accounts,  paying bills,  reordering checks, ordering
Savings Bonds Certificates, and more.
         Peoples Bank has partnered with Q-UP Systems  (www.qup.com),  a leading
provider of web-based  financial  products.  Holdren  added,  "Q-UP has a proven
interface and successful  track record with our core  processor.  In addition to
the Peoples OnLine  Connection,  they also offer a user-friendly Cash Management
system and will be able to fully integrate our current Bill Pay customers."
         Alison Thompson, Project Manager for Peoples OnLine Connection, stated,
"This is an exciting challenge for our Electronic Banking area and one that will
enhance our ability to better serve our  customers  and  potentially  expand our
current customer base.  Peoples OnLine Connection will provide customers 24-hour
access to account and transaction information,  as well as provide an electronic
method to pay bills and manage finances."
         Thompson  continued,  "Our  on-line,  real-time  service  redefines the
methods in which financial service products are delivered,  and represents a key
factor to enhancing the connection between our customers and Peoples Bank."
         Interested users of Peoples OnLine  Connection can visit Peoples Bank's
redesigned  web site at  www.peoplesbancorp.com.  Simply  select  the  "Internet
Banking" link and follow the  instructions to either "test drive" Peoples OnLine
Connection or enroll in the program.
         Holdren  summarized,  "We have always focused on the needs and goals of
our  customers.  Internet  banking,  with  its  worldwide  access  and  customer
controlled  flexibility,  is yet another way we can  anticipate the needs of our
customers  as  e-commerce  continues  to prosper.  We also  realize that we must
maintain a balance between  emerging  technologies  and  traditional  methods to
deliver  products and service to our customers.  Whether it is behind the scenes
through Internet banking or tending  personally to customer needs,  Peoples Bank
is  ready  to  fulfill  the  needs  of  our  customers  through  locally  driven
decision-making and personalized service."
         The  Peoples  Online  Connection  service is free to all  Peoples  Bank
customers.  A minimal fee will apply to those  customers who wish to utilize the
Bill Payer  service,  an online bill payment  service that gives  customers  the
opportunity to conveniently pay bills over the Internet.
         Peoples Bank is a subsidiary  of Peoples  Bancorp  Inc., a  diversified
financial  services bank holding company  headquartered  in Marietta,  Ohio. The
Company,  which is Y2K ready,  has over $1 billion  in assets  and  operates  36
financial service locations in the states of Ohio, West Virginia,  and Kentucky.
Peoples Bancorp's banking subsidiaries include Peoples Bank with offices in Ohio
and West Virginia;  The First National Bank of Southeastern Ohio with three Ohio
offices;  and  Peoples  Bank  FSB,  with  four  Kentucky  offices.  Through  its
subsidiaries,  Peoples  Bancorp  offers  complete  banking  services  and  makes
available other financial services,  such as trust services,  and investment and
insurance products.  Peoples Bancorp's common stock is traded through the Nasdaq
National Market System under the symbol "PEBO". Learn more about Peoples Bancorp
and Peoples OnLine Connection at www.peoplesbancorp.com.

                                 END OF RELEASE


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