OAK HILL FINANCIAL INC
8-K, 2000-10-27
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




                          Date of Report: OCTOBER 27, 2000



                            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)





<PAGE>



Item 5.  Other Events.

     On October 20, 2000, Oak Hill Financial,  Inc.,  ("Oak Hill") issued a news
release  announcing its earnings for the third quarter and the nine months ended
September 30, 2000.  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  20,  2000,  announcing   the  company's
                                earnings for the third quarter 2000.



                                   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 27, 2000                       By: /s/ H. Tim Bichsel
                                                 -------------------------
                                                 H. Tim Bichsel, Secretary


<PAGE>




                                  EXHIBIT INDEX


Exhibit No.                             Description

    99                        Press  release  of Oak Hill Financial, Inc., dated
                              October  20,   2000,   announcing  the   company's
                              earnings for the third quarter 2000.








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