**UNITED
      STATES**


**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 12, 2006














**OAK
      HILL FINANCIAL, INC.**


(Exact
      name of Registrant as specified in its charter)








**Ohio**
            **0-26876**
            **31-1010517**(State
                or jurisdiction of incorporation)
            (Commission
                or file number)
            (IRS
                Employer identification number)











**14621
      S. R. 93**


**Jackson,
      OH 45640**


(Address
      of principal executive offices)








**(740)
      286-3283**


(Registrant’s
      phone number, including area code)








**Not
      Applicable**


(Former
      name or former address, if changed since last report)











Check
      the
      appropriate box below if the Form 8-K filing is intended to simultaneously
      satisfy the filing obligation of the registrant under any of the following
      provisions:





o Written
      communications pursuant to Rule 425 under the Securities Act (17 CFR
      230.425)





o Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR
      240.14a-12(b))





o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
      Act
      (17 CFR 240.14d-2(b))





o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
      Act
      (17 CFR 240.13(e)-4(c))













The
      information in this report Item 2.02, including the exhibit attached hereto,
      is
      furnished solely pursuant to Item 2.02 of this Form 8-K. Consequently, it is
      not
      deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of
      1934, or otherwise subject to the liabilities of that section. Further, the
      information in this report, including the exhibit, shall not be deemed to be
      incorporated by reference into the filings of the registrant under the
      Securities Act of 1933.











Item
                2.02:
            **Results
                of Operations and Financial
                Condition**





On
      October 12, 2006, Oak Hill Financial, Inc. issued a press release announcing
      its
      results of operations and financial condition for the nine and three months
      (“third quarter”) ended September 30, 2006. A copy of the press release is
      attached as Exhibit 99.








Item
                9.01:
            **Financial
                Statements and Exhibits**





(c)
            Exhibits.





Exhibit
                No.
            
            Description99
            
            Press
                release of Oak Hill Financial, Inc., dated October 12, 2006, announcing
                the Company’s earnings for the third quarter ended September 30,
                2006.




















**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.***/s/
                Ron J. Copher*Date:
                October 13, 2006
            Ron
                J CopherChief
                Financial Officer,Treasurer
                & Secretary









































**EXHIBIT
      INDEX**








*Exhibit
                Number*
            *Description*99
            Press
                release of Oak Hill Financial, Inc., dated October 12, 2006, announcing
                the Company’s earnings for the third quarter ended September 30,
                2006.