**For      Immediate Release**

| Contact: | David                G. Ratz, Executive Vice President |
|----------|--------------------------------------------------------|
|     | (740)                286-3283                          |

**Oak      Hill Financial Reports 3**
**rd**

**      Quarter Results**

**Jackson,      Ohio**

----

**Key      Issue Review and Outlook**

*Net      Interest Margin*

*Operating      Expenses*

*Non-Interest      Income*

*Asset      Quality*

----

*Asset/Loan      Growth*

*Stock      Buyback*

**Forward-Looking      Statements Disclosure**

----

**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL INFORMATION **
*(unaudited)*

|                                                                |   |                            |      |   |   |
|---------------------------------------------------------------------|--------|---------------------------------|-----------|--------|--------|
|                                                                |   | At                September 30, |      |
| *(In                thousands)*                                     |   | 2006                            |      | 2005   |   |
|                                                                |   |                            |      |   |   |
| **SUMMARY                OF FINANCIAL CONDITION**                   |   |                            |      |   |   |
|                                                                |   |                            |      |   |   |
| Total                assets                                         |   | $                               | 1,255,520 |   | $      | 1,229,228 |   |
| Interest-bearing                deposits and federal funds sold     |   |                            | 1,884     |   |   | 4,802 |   |
| Investment                securities                                |   |                            | 144,574   |   |   | 131,066 |   |
| Loans                receivable - net                               |   |                            | 1,016,913 |   |   | 995,632 |   |
| Deposits                                                            |   |                            | 963,522   |   |   | 980,246 |   |
| Federal                Home Loan Bank advances and other borrowings |   |                            | 193,422   |   |   | 149,921 |   |
| Stockholders’                equity                           |   |                            | 94,172    |   |   | 93,860 |   |

|                                                                         |   | For                the            |    | For                the           |   |
|------------------------------------------------------------------------------|--------|-----------------------------------|---------|----------------------------------|--------|
|                                                                         |   | Three                Months Ended |    | Nine                Months Ended |   |
|                                                                         |   | September                30,      |    | September                30,     |   |
| *(In                thousands, except share data)*                           |   | 2006                              |    | 2005                             |   | 2006 |   | 2005 |   |
|                                                                         |   |                              |    |                             |   |   |   |   |   |
| **RECONCILIATION                OF NON-GAAP NET EARNINGS,**                  |   |                              |    |                             |   |   |   |   |   |
| **DILUTED                EARNINGS PER SHARE AND OTHER PERFORMANCE MEASURES** |   |                              |    |                             |   |   |   |   |   |
|                                                                         |   |                              |    |                             |   |   |   |   |   |
| Net                earnings (U.S. GAAP)                                      |   | $                                 | 3,180   |                             | $      | 3,939 |   | $ | 9,668 |   | $ | 7,800 |   |
|                                                                         |   |                              |    |                             |   |   |   |   |   |   |   |   |   |
| Non-recurring                items, net of tax:                              |   |                              |    |                             |   |   |   |   |   |   |   |   |   |
| Gain                on sale of branch locations and other fixed assets       |   |                              |  - |                             |   | (16 | ) |   |  - |   |   | (133 | ) |
| Merger-related                expenses                                       |   |                              |    |                             |   | 33 |   |   |   |   |   | 327 |   |
| Reduction                in tax expense                                      |   |                              |  - |                             |   | (169 | ) |   |  - |   |   | (509 | ) |
|                                                                         |   |                              |    |                             |   |   |   |   |   |   |   |   |   |
| Net                earnings from operations                                  |   | $                                 | 3,180   |                             | $      | 3,787 |   | $ | 9,668 |   | $ | 7,485 |   |
|                                                                         |   |                              |    |                             |   |   |   |   |   |   |   |   |   |
|                                                                         |   |                              |    |                             |   |   |   |   |   |   |   |   |   |
| Diluted                earnings per share (U.S. GAAP)                        |   | $                                 | 0.58    |                             | $      | 0.68 |   | $ | 1.74 |   | $ | 1.34 |   |
|                                                                         |   |                              |    |                             |   |   |   |   |   |   |   |   |   |
| Non-recurring                items, net of tax:                              |   |                              |    |                             |   |   |   |   |   |   |   |   |   |
| Gain                on sale of branch locations and other fixed assets       |   |                              |  - |                             |   |  - |   |   |  - |   |   | (0.02 | ) |
| Merger-related                expenses                                       |   |                              |  - |                             |   |  - |   |   |  - |   |   | 0.06 |   |
| Reduction                in tax expense                                      |   |                              |  - |                             |   | (0.03 | ) |   |  - |   |   | (0.09 | ) |
|                                                                         |   |                              |    |                             |   |   |   |   |   |   |   |   |   |
| Diluted                earnings per share from operations                    |   | $                                 | 0.58    |                             | $      | 0.65 |   | $ | 1.74 |   | $ | 1.29 |   |

----

**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL INFORMATION **
*(unaudited)*

|                                                                                      |   | For                the            |   | For                the           |   |
|-------------------------------------------------------------------------------------------|--------|-----------------------------------|--------|----------------------------------|--------|
|                                                                                      |   | Three                Months Ended |   | Nine                Months Ended |   |
|                                                                                      |   | September                30,      |   | September                30,     |   |
| *(In                thousands, except share data)*                                        |   | 2006                              |   | 2005                             |   | 2006 |   | 2005 |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |
| **RECONCILIATION                OF NON-GAAP NET EARNINGS,**                               |   |                              |   |                             |   |   |   |   |   |
| **DILUTED                EARNINGS PER SHARE AND OTHER PERFORMANCE MEASURES***(continued)* |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |
| Non-interest                income (U.S. GAAP)                                            |   | $                                 | 3,316  |                             | $      | 3,013 |   | $ | 10,110 |   | $ | 8,556 |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Non-recurring                items:                                                       |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Gain                on sale of branch locations and other fixed assets                    |   |                              |   |                             |   | (24 | ) |   |   |   |   | (205 | ) |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Non-interest                income from operations                                        |   | $                                 | 3,316  |                             | $      | 2,989 |   | $ | 10,110 |   | $ | 8,351 |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Non-interest                expense (U.S. GAAP)                                           |   | $                                 | 8,455  |                             | $      | 8,144 |   | $ | 24,971 |   | $ | 22,938 |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Non-recurring                items:                                                       |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Merger-related                expenses                                                    |   |                              |   |                             |   | (49 | ) |   |   |   |   | (502 | ) |
| Reduction                in tax expense                                                   |   |                              |   |                             |   | 261 |   |   |   |   |   | 783 |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Non-interest                expense from operations                                       |   | $                                 | 8,455  |                             | $      | 8,356 |   | $ | 24,971 |   | $ | 23,219 |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| **SUMMARY                OF OPERATIONS****(1)(2)(3)**                                     |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Interest                income                                                            |   | $                                 | 20,482 |                             | $      | 18,179 |   | $ | 59,100 |   | $ | 51,046 |   |
| Interest                expense                                                           |   |                              | 10,846 |                             |   | 7,760 |   |   | 30,253 |   |   | 20,955 |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Net                interest income                                                        |   |                              | 9,636  |                             |   | 10,419 |   |   | 28,847 |   |   | 30,091 |   |
| Provision                for losses on loans                                              |   |                              | 456    |                             |   | 212 |   |   | 1,729 |   |   | 5,671 |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Net                interest income after provision for losses on loans                    |   |                              | 9,180  |                             |   | 10,207 |   |   | 27,118 |   |   | 24,420 |   |
| Gain                on sale of loans                                                      |   |                              | 200    |                             |   | 327 |   |   | 742 |   |   | 869 |   |
| Commissions                income                                                         |   |                              | 891    |                             |   | 710 |   |   | 2,584 |   |   | 2,071 |   |
| Other                non-interest income                                                  |   |                              | 2,225  |                             |   | 1,952 |   |   | 6,784 |   |   | 5,411 |   |
| General,                administrative and other expense                                  |   |                              | 8,455  |                             |   | 8,356 |   |   | 24,971 |   |   | 23,219 |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Earnings                before federal income taxes                                       |   |                              | 4,041  |                             |   | 4,840 |   |   | 12,257 |   |   | 9,552 |   |
| Federal                income taxes                                                       |   |                              | 1,111  |                             |   | 1,428 |   |   | 3,339 |   |   | 2,692 |   |
| Federal                new markets tax credit                                             |   |                              | (250   | )                                |   | (375 | ) |   | (750 | ) |   | (625 | ) |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Net                earnings from operations                                               |   | $                                 | 3,180  |                             | $      | 3,787 |   | $ | 9,668 |   | $ | 7,485 |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| **SELECTED                PERFORMANCE RATIOS FROM OPERATIONS****(1)(2)(3)(5)(6)**         |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Diluted                earnings per share                                                 |   | $                                 | 0.58   |                             | $      | 0.65 |   | $ | 1.74 |   | $ | 1.29 |   |
|                                                                                      |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Return                on average assets                                                   |   |                              | 1.00   | %                                |   | 1.23 | % |   | 1.03 | % |   | 0.86 | % |
| Return                on average equity                                                   |   |                              | 13.62  | %                                |   | 16.03 | % |   | 13.87 | % |   | 10.96 | % |
| Non-interest                expense to average assets                                     |   |                              | 2.66   | %                                |   | 2.72 | % |   | 2.67 | % |   | 2.65 | % |
| Efficiency                ratio                                                           |   |                              | 61.88  | %                                |   | 58.86 | % |   | 60.59 | % |   | 57.67 | % |

----

**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL INFORMATION **
*(unaudited)*

|                                                                       |   | At                or For the      |   | At                or For the     |   |
|----------------------------------------------------------------------------|--------|-----------------------------------|--------|----------------------------------|--------|
|                                                                       |   | Three                Months Ended |   | Nine                Months Ended |   |
|                                                                       |   | September                30,      |   | September                30,     |   |
| *(In                thousands, except share data)*                         |   | 2006                              |   | 2005                             |   | 2006 |   | 2005 |   |
|                                                                       |   |                              |   |                             |   |   |   |   |   |
| **PER                SHARE INFORMATION (U.S. GAAP)**                       |   |                              |   |                             |   |   |   |   |   |
|                                                                       |   |                              |   |                             |   |   |   |   |   |
| Basic                earnings per share (4)                                |   | $                                 | 0.59   |                             | $      | 0.69 |   | $ | 1.77 |   | $ | 1.37 |   |
|                                                                       |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Diluted                earnings per share (5)                              |   | $                                 | 0.58   |                             | $      | 0.68 |   | $ | 1.74 |   | $ | 1.34 |   |
|                                                                       |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Dividends                per share                                         |   | $                                 | 0.19   |                             | $      | 0.17 |   | $ | 0.58 |   | $ | 0.51 |   |
|                                                                       |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Book                value per share                                        |   |                              |   |                             |   |   |   | $ | 17.55 |   | $ | 16.62 |   |
|                                                                       |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                       |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                       |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| **OTHER                STATISTICAL AND OPERATING DATA (U.S. GAAP)****(6)** |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                       |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Return                on average assets                                    |   |                              | 1.00   | %                                |   | 1.28 | % |   | 1.03 | % |   | 0.89 | % |
| Return                on average equity                                    |   |                              | 13.62  | %                                |   | 16.67 | % |   | 13.87 | % |   | 11.43 | % |
| Non-interest                expense to average assets                      |   |                              | 2.66   | %                                |   | 2.66 | % |   | 2.67 | % |   | 2.62 | % |
| Net                interest margin (fully-taxable equivalent)              |   |                              | 3.34   | %                                |   | 3.72 | % |   | 3.39 | % |   | 3.73 | % |
| Total                allowance for losses on loans to non-performing loans |   |                              |   |                             |   |   |   |   | 99.28 | % |   | 79.32 | % |
| Total                allowance for losses on loans to total loans          |   |                              |   |                             |   |   |   |   | 1.32 | % |   | 1.32 | % |
| Non-performing                loans to total loans                         |   |                              |   |                             |   |   |   |   | 1.33 | % |   | 1.67 | % |
| Non-performing                assets to total assets                       |   |                              |   |                             |   |   |   |   | 1.31 | % |   | 1.41 | % |
| Net                charge-offs to average loans (actual for the period)    |   |                              | 0.05   | %                                |   | 0.02 | % |   | 0.17 | % |   | 0.48 | % |
| Net                charge-offs to average loans (annualized)               |   |                              | 0.19   | %                                |   | 0.10 | % |   | 0.23 | % |   | 0.64 | % |
| Equity                to assets at period end                              |   |                              |   |                             |   |   |   |   | 7.50 | % |   | 7.64 | % |
| Efficiency                ratio                                            |   |                              | 61.88  | %                                |   | 57.31 | % |   | 60.59 | % |   | 56.96 | % |
|                                                                       |   |                              |   |                             |   |   |   |   |   |   |   |   |   |

----

**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL INFORMATION **
*(unaudited)*

|                                                               |   |                            |      |   |   |
|--------------------------------------------------------------------|--------|---------------------------------|-----------|--------|--------|
|                                                               |   | At                September 30, |      |
| *(In                thousands, except share data)*                 |   | 2006                            |      | 2005   |   |
|                                                               |   |                            |      |   |   |
| **SUPPLEMENTAL                DETAIL**                             |   |                            |      |   |   |   |   |
|                                                               |   |                            |      |   |   |   |   |
| BALANCE                SHEET - ASSETS                              |   |                            |      |   |   |   |   |
|                                                               |   |                            |      |   |   |   |   |
| Cash                and cash equivalents                           |   |                            | 21,243    |   |   | 26,889 |   |
| Trading                account securities                     |   |                            | -         |   |   | - |   |
| Securities                available for sale                       |   |                            | 140,972   |   |   | 127,442 |   |
| Securities                held to maturity                         |   |                            | 3,602     |   |   | 3,624 |   |
| Other                securities                                    |   |                            | 7,958     |   |   | 7,517 |   |
| Total                securities                                    |   |                            | 152,532   |   |   | 138,583 |   |
| Total                cash and securities                           |   |                            | 173,775   |   |   | 165,472 |   |
| Loans                and leases held for investment (1)       |   |                            | 1,026,136 |   |   | 1,005,795 |   |
| Loans                and leases held for sale (1)             |   |                            | 1,004     |   |   | 75 |   |
| Total                loans and leases (1)                          |   |                            | 1,027,140 |   |   | 1,005,870 |   |
| Allowance                for losses on loans                       |   |                            | 13,631    |   |   | 13,347 |   |
| Goodwill                                                           |   |                            | 7,935     |   |   | 7,441 |   |
| Other                intangible assets                             |   |                            | 3,328     |   |   | 4,351 |   |
| Total                intangible assets                             |   |                            | 11,263    |   |   | 11,792 |   |
| Mortgage                servicing rights                           |   |                            | 3,404     |   |   | 3,109 |   |
| Purchased                credit card relationships            |   |                            | -         |   |   | - |   |
| Other                real estate owned                             |   |                            | 2,682     |   |   | 498 |   |
| Bank                owned life insurance                           |   |                            | 13,343    |   |   | 12,836 |   |
| Other                assets                                        |   |                            | 37,544    |   |   | 42,998 |   |
| Total                assets                                        |   |                            | 1,255,520 |   |   | 1,229,228 |   |
|                                                               |   |                            |      |   |   |   |   |
|                                                               |   |                            |      |   |   |   |   |
| BALANCE                SHEET - LIABILITIES                         |   |                            |      |   |   |   |   |
|                                                               |   |                            |      |   |   |   |   |
| Deposits                                                           |   |                            | 963,522   |   |   | 980,246 |   |
| Borrowings                                                         |   |                            | 170,422   |   |   | 126,921 |   |
| Other                liabilities                                   |   |                            | 4,396     |   |   | 5,193 |   |
| Total                liabilities                                   |   |                            | 1,138,340 |   |   | 1,112,360 |   |
| Redeemable                preferred stock                     |   |                            | -         |   |   | - |   |
| Trust                preferred securities                          |   |                            | 23,000    |   |   | 23,000 |   |
| Minority                interests                                  |   |                            | 8         |   |   | 8 |   |
| Other                mezzanine level items                    |   |                            | -         |   |   | - |   |
| Total                mezzanine level items                         |   |                            | 23,008    |   |   | 23,008 |   |
| Total                liabilities and mezzanine level items         |   |                            | 1,161,348 |   |   | 1,135,368 |   |
|                                                               |   |                            |      |   |   |   |   |
|                                                               |   |                            |      |   |   |   |   |
| BALANCE                SHEET - EQUITY                              |   |                            |      |   |   |   |   |
|                                                               |   |                            |      |   |   |   |   |
| Preferred                equity                               |   |                            | -         |   |   | - |   |
| Common                equity                                       |   |                            | 94,172    |   |   | 93,860 |   |
| MEMO                ITEM: Net unrealized gain (loss) on securities |   |                            |      |   |   |   |   |
| available                for sale, net of tax                      |   |                            | 305       |   |   | (217 | ) |
| End                of period shares outstanding (2)           |   |                            | 5,365,974 |   |   | 5,647,760 |   |
| Options                outstanding                                 |   |                            | 444,583   |   |   | 498,783 |   |
| Treasury                shares held by the Company                 |   |                            | 508,660   |   |   | 226,874 |   |
|                                                               |   |                            |      |   |   |   |   |

----

**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL INFORMATION **
*(unaudited)*

|                                                                   |   | At                or For the      |      | At                or For the     |   |
|------------------------------------------------------------------------|--------|-----------------------------------|-----------|----------------------------------|--------|
|                                                                   |   | Three                Months Ended |      | Nine                Months Ended |   |
|                                                                   |   | September                30,      |      | September                30,     |   |
| *(In                thousands, except share data)*                     |   | 2005                              |      | 2006                             |   | 2005 |   | 2006 |   |
|                                                                   |   |                              |      |                             |   |   |   |   |   |
| **SUPPLEMENTAL                DETAIL***(continued)*                    |   |                              |      |                             |   |   |   |   |   |
|                                                                   |   |                              |      |                             |   |   |   |   |   |
| Repurchase                plan announced?                              |   |                              | No        |                             |   | No |   |   | Yes |   |   | Yes |   |
| Number                of shares to be repurchased in plan(1)           |   |                              | N/A       |                             |   | N/A |   |   | 278,000 |   |   | 290,000 |   |
| Number                of shares repurchased during the period(1)       |   |                              | 16,700    |                             |   | 79,644 |   |   | 266,355 |   |   | 216,295 |   |
| Average                price of shares repurchased(1)                  |   | $                                 | 24.82     |                             | $      | 29.96 |   | $ | 28.89 |   | $ | 28.61 |   |
| INCOME                STATEMENT                                        |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
|                                                                   |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| Interest                income                                         |   |                              | 20,482    |                             |   | 18,179 |   |   | 59,100 |   |   | 51,046 |   |
| Interest                expense                                        |   |                              | 10,846    |                             |   | 7,760 |   |   | 30,253 |   |   | 20,955 |   |
| Net                interest income                                     |   |                              | 9,636     |                             |   | 10,419 |   |   | 28,847 |   |   | 30,091 |   |
| Net                interest income (fully-taxable equivalent)          |   |                              | 10,007    |                             |   | 10,767 |   |   | 29,969 |   |   | 30,985 |   |
| Provision                for losses on loans                           |   |                              | 456       |                             |   | 212 |   |   | 1,729 |   |   | 5,671 |   |
| Non-recurring                expense:                                  |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| Merger-related                expenses                                 |   |                              | -         |                             |   | 49 |   |   | - |   |   | 502 |   |
| Non-recurring                income:                                   |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| Gain                on sale of branch locations and other fixed assets |   |                              | -         |                             |   | 24 |   |   | - |   |   | 205 |   |
| Trading                account income                                  |   |                              | -         |                             |   | - |   |   | - |   |   | - |   |
| Foreign                exchange income                                 |   |                              | -         |                             |   | - |   |   | - |   |   | - |   |
| Trust                income                                            |   |                              | -         |                             |   | - |   |   | - |   |   | - |   |
| Commissions                income                                      |   |                              | 891       |                             |   | 710 |   |   | 2,584 |   |   | 2,071 |   |
| Service                charges on deposits                             |   |                              | 1,442     |                             |   | 1,226 |   |   | 4,007 |   |   | 3,186 |   |
| Gain                on sale of loans                                   |   |                              | 200       |                             |   | 327 |   |   | 742 |   |   | 869 |   |
| Gain                on investment securities transactions              |   |                              | 41        |                             |   | 138 |   |   | 145 |   |   | 508 |   |
| Other                non-interest income                               |   |                              | 742       |                             |   | 588 |   |   | 2,632 |   |   | 1,717 |   |
| Total                non-interest income                               |   |                              | 3,316     |                             |   | 2,989 |   |   | 10,110 |   |   | 8,351 |   |
| Employee                compensation and benefits                      |   |                              | 4,545     |                             |   | 4,437 |   |   | 12,949 |   |   | 12,012 |   |
| Occupancy                and equipment expense                         |   |                              | 1,063     |                             |   | 1,037 |   |   | 3,043 |   |   | 3,090 |   |
| Foreclosed                property expense                             |   |                              | -         |                             |   | - |   |   | - |   |   | - |   |
| Amortization                of intangibles                             |   |                              | 229       |                             |   | 299 |   |   | 741 |   |   | 670 |   |
| Other                general, administrative and other expense         |   |                              | 2,618     |                             |   | 2,322 |   |   | 8,238 |   |   | 6,664 |   |
| Total                non-interest expenses                             |   |                              | 8,455     |                             |   | 8,095 |   |   | 24,971 |   |   | 22,436 |   |
| Net                income before taxes                                 |   |                              | 4,041     |                             |   | 5,076 |   |   | 12,257 |   |   | 10,038 |   |
| Federal                income taxes                                    |   |                              | 1,111     |                             |   | 1,512 |   |   | 3,339 |   |   | 2,863 |   |
| Federal                new markets tax credit                          |   |                              | (250      | )                                |   | (375 | ) |   | (750 | ) |   | (625 | ) |
| Net                income before extraordinary items                   |   |                              | 3,180     |                             |   | 3,939 |   |   | 9,668 |   |   | 7,800 |   |
| Extraordinary                items                                     |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| Net                income                                              |   |                              | 3,180     |                             |   | 3,939 |   |   | 9,668 |   |   | 7,800 |   |
|                                                                   |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
|                                                                   |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| CHARGE-OFFS                                                            |   |                              | -         |                             |   | - |   |   | - |   |   | - |   |
|                                                                   |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| Loan                charge-offs                                        |   |                              | 1,520     |                             |   | 1,665 |   |   | 3,688 |   |   | 6,908 |   |
| Recoveries                on loans                                     |   |                              | 1,017     |                             |   | 1,413 |   |   | 1,937 |   |   | 2,214 |   |
| Net                loan charge-offs                                    |   |                              | 503       |                             |   | 252 |   |   | 1,751 |   |   | 4,694 |   |
|                                                                   |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
|                                                                   |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| AVERAGE                BALANCE SHEET                                   |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
|                                                                   |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| Average                loans and leases                                |   |                              | 1,030,925 |                             |   | 1,012,772 |   |   | 1,031,747 |   |   | 984,481 |   |
| Average                other earning assets                            |   |                              | 158,141   |                             |   | 136,153 |   |   | 151,532 |   |   | 125,175 |   |

| (1) | There                were 52,055 shares repurchased at an average price of $32.40 under                the                plan announced on May 26, 2005. These shares completed the plan,                and a new                plan was announced on February 21, 2006. There were 16,700 and 214,300                shares repurchased at an average price of $24.82 and $28.02 for the                three                and nine months ended September 30, 2006 under the new                plan. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL INFORMATION **
*(unaudited)*

|                                                                          |   | For                the            |      | At                or For the     |   |
|-------------------------------------------------------------------------------|--------|-----------------------------------|-----------|----------------------------------|--------|
|                                                                          |   | Three                Months Ended |      | Nine                Months Ended |   |
|                                                                          |   | September                30,      |      | September                30,     |   |
| *(In                thousands, except share data)*                            |   | 2006                              |      | 2005                             |   | 2006 |   | 2005 |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |
| **SUPPLEMENTAL                DETAIL***(continued)*                           |   |                              |      |                             |   |   |   |   |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |
| AVERAGE                BALANCE SHEET *(continued)*                            |   |                              |      |                             |   |   |   |   |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |
| Average                total earning assets                                   |   |                              | 1,189,066 |                             |   | 1,148,925 |   |   | 1,183,279 |   |   | 1,109,656 |   |
| Average                total assets                                           |   |                              | 1,259,584 |                             |   | 1,216,862 |   |   | 1,250,926 |   |   | 1,169,568 |   |
| Average                non-interest bearing deposits                          |   |                              | 90,785    |                             |   | 92,647 |   |   | 91,977 |   |   | 88,362 |   |
| Average                total time deposits                                    |   |                              | 541,593   |                             |   | 592,743 |   |   | 556,058 |   |   | 583,770 |   |
| Average                other interest-bearing deposits                        |   |                              | 330,911   |                             |   | 282,853 |   |   | 325,550 |   |   | 256,424 |   |
| Average                total interest-bearing deposits                        |   |                              | 872,504   |                             |   | 875,596 |   |   | 881,608 |   |   | 840,194 |   |
| Average                borrowings                                             |   |                              | 199,146   |                             |   | 148,873 |   |   | 179,870 |   |   | 143,916 |   |
| Average                interest-bearing liabilities                           |   |                              | 1,071,650 |                             |   | 1,024,469 |   |   | 1,061,478 |   |   | 984,110 |   |
| Average                preferred equity                                       |   |                              | -         |                             |   | - |   |   | - |   |   | - |   |
| Average                common equity                                          |   |                              | 92,612    |                             |   | 93,745 |   |   | 93,217 |   |   | 91,275 |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| ASSET                QUALITY AND OTHER DATA                                   |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| Non-accrual                loans                                              |   |                              |      |                             |   |   |   |   | 13,514 |   |   | 16,021 |   |
| Renegotiated                loans                                             |   |                              |      |                             |   |   |   |   | - |   |   | - |   |
| Loans                90+ days past due and still accruing                     |   |                              |      |                             |   |   |   |   | 217 |   |   | 806 |   |
| Total                non-performing loans                                     |   |                              |      |                             |   |   |   |   | 13,731 |   |   | 16,827 |   |
| Other                real estate owned                                        |   |                              |      |                             |   |   |   |   | 2,682 |   |   | 498 |   |
| Total                non-performing assets                                    |   |                              |      |                             |   |   |   |   | 16,413 |   |   | 17,325 |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| ADDITIONAL                DATA                                                |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| 1                -                4 family mortgage loans serviced for others |   |                              |      |                             |   |   |   |   | 237,043 |   |   | 247,505 |   |
| Proprietary                mutual fund balances                               |   |                              |      |                             |   |   |   |   | - |   |   | - |   |
| Fair                value of securities held to maturity                      |   |                              |      |                             |   |   |   |   | 3,884 |   |   | 3,881 |   |
| Full-time                equivalent employees                                 |   |                              |      |                             |   |   |   |   | 432 |   |   | 439 |   |
| Total                number of full-service banking offices                   |   |                              |      |                             |   |   |   |   | 36 |   |   | 34 |   |
| Total                number of bank and thrift subsidiaries                   |   |                              |      |                             |   |   |   |   | 1 |   |   | 1 |   |
| Total                number of ATMs                                           |   |                              |      |                             |   |   |   |   | 41 |   |   | 40 |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| LOANS                RECEIVABLE                                               |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| 1                -                4 family residential                        |   |                              |      |                             |   |   |   |   | 234,290 |   |   | 236,898 |   |
| Home                equity                                                    |   |                              |      |                             |   |   |   |   | 42,578 |   |   | 43,038 |   |
| Multi-family                residential                                       |   |                              |      |                             |   |   |   |   | 41,397 |   |   | 32,751 |   |
| Commercial                real estate                                         |   |                              |      |                             |   |   |   |   | 399,341 |   |   | 373,992 |   |
| Construction                and land development                              |   |                              |      |                             |   |   |   |   | 51,830 |   |   | 57,298 |   |
| Commercial                and other                                           |   |                              |      |                             |   |   |   |   | 146,428 |   |   | 157,497 |   |
| Consumer                                                                      |   |                              |      |                             |   |   |   |   | 109,133 |   |   | 102,348 |   |
| Credit                cards                                                   |   |                              |      |                             |   |   |   |   | 2,143 |   |   | 2,049 |   |
|                                                                          |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| Loans                receivable - gross                                       |   |                              |      |                             |   |   |   |   | 1,027,140 |   |   | 1,005,871 |   |
| Unearned                interest                                              |   |                              |      |                             |   |   |   |   | - |   |   | (1 | ) |
|                                                                          |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| Loans                receivable - net of unearned interest                    |   |                              |      |                             |   |   |   |   | 1,027,140 |   |   | 1,005,870 |   |
| Allowance                for losses on loans                                  |   |                              |      |                             |   |   |   |   | (13,631 | ) |   | (13,347 | ) |
|                                                                          |   |                              |      |                             |   |   |   |   |   |   |   |   |   |
| Loans                receivable - net (1)                                |   |                              |      |                             |   |   |   |   | 1,013,509 |   |   | 992,523 |   |

| (1) | Does                not include mortgage servicing                rights. |
|-----|---------------------------------------------------------------------------|

----

**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL INFORMATION **
*(unaudited)*

|                                                                                                    |   | For                the            |   | At                or For the     |   |
|---------------------------------------------------------------------------------------------------------|--------|-----------------------------------|--------|----------------------------------|--------|
|                                                                                                    |   | Three                Months Ended |   | Nine                Months Ended |   |
|                                                                                                    |   | September                30,      |   | September                30,     |   |
| *(In                thousands, except share data)*                                                      |   | 2006                              |   | 2005                             |   | 2006 |   | 2005 |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |
| **SUPPLEMENTAL                DETAIL***(continued)*                                                     |   |                              |   |                             |   |   |   |   |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |
| DEPOSITS                                                                                                |   |                              |   |                             |   |   |   |   |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |
| Transaction                accounts                                                                     |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Non-interest                bearing                                                                     |   |                              |   |                             |   |   |   |   | 89,970 |   |   | 100,872 |   |
| Interest-bearing                                                                                        |   |                              |   |                             |   |   |   |   | 75,787 |   |   | 79,425 |   |
| Savings                accounts                                                                         |   |                              |   |                             |   |   |   |   | 52,541 |   |   | 69,946 |   |
| Money                market deposit accounts                                                            |   |                              |   |                             |   |   |   |   | 203,593 |   |   | 138,084 |   |
| Other                core interest-bearing                                                              |   |                              |   |                             |   |   |   |   | 384,742 |   |   | 420,786 |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Total                core deposit accounts                                                              |   |                              |   |                             |   |   |   |   | 806,633 |   |   | 809,113 |   |
| Brokered                deposits                                                                        |   |                              |   |                             |   |   |   |   | 45,549 |   |   | 90,535 |   |
| Other                non-core interest-bearing accounts                                                 |   |                              |   |                             |   |   |   |   | 111,340 |   |   | 80,598 |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Total                deposits                                                                           |   |                              |   |                             |   |   |   |   | 963,522 |   |   | 980,246 |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Yield/average                earning assets (fully-taxable equivalent)                                  |   |                              | 6.96   | %                                |   | 6.40 | % |   | 6.81 | % |   | 6.26 | % |
| Cost/average                earning assets                                                              |   |                              | 3.62   | %                                |   | 2.68 | % |   | 3.42 | % |   | 2.53 | % |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Net                interest income (fully-taxable equivalent)                                           |   |                              | 3.34   | %                                |   | 3.72 | % |   | 3.39 | % |   | 3.73 | % |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| NEW                MARKETS TAX CREDIT                                                                   |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |   |   |   |   |
| Qualified                equity investment in Oak Hill Banks Community Development                Corp. |   |                              |   |                             |   |   |   |   | 20,000 |   |   | 10,000 |   |
|                                                                                                    |   |                              |   |                             |   |   |   |   |   |   |   |   |   |

|   |   | Aggregate |   |   |                                  |   |   |   |   |   |   |   |   |   |   |   |
|--------|--------|-----------|--------|--------|---------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|
|   |   | QEI       |   |   | New                Markets Tax Credit |   |
| Year   |   | Amount    |   |   | 2006                                  |   | 2007   |   | 2008   |   | 2009   |   | 2010   |   | 2011   |   |
|   |   |      |   |   |                                  |   |   |   |   |   |   |   |   |   |   |   |
| 2004   |   |      | 10,000 |   |                                  |   | 500    |   |   | 600    |   |   | 600    |   |   | 600    |   |   | 600 |   |   |  - |   |
| 2005   |   |      | 10,000 |   |                                  |   | 500    |   |   | 500    |   |   | 600    |   |   | 600    |   |   | 600 |   |   | 600 |   |
|   |   |      |   |   |                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Totals |   |      | 20,000 |   |                                  |   | 1,000  |   |   | 1,100  |   |   | 1,200  |   |   | 1,200  |   |   | 1,200 |   |   | 600 |   |