**For      Immediate Release**

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

**Oak      Hill Financial Reports 2006 and 4**
**th**

**      Quarter Results**

**Jackson,      Ohio**

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**Key      Issue Review and Outlook**

*Net      Interest Margin*

*Operating      Expenses*

*Non-Interest      Income*

*Asset      Quality*

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*Asset/Loan      Growth*

*Expansion      - *

*Stock      Buyback*

**Forward-Looking      Statements Disclosure**

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**Oak      Hill Financial, Inc.**

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

|                                                                |   |                           |      |   |   |
|---------------------------------------------------------------------|--------|--------------------------------|-----------|--------|--------|
|                                                                |   | At                December 31, |      |
| *(In                thousands)*                                     |   | 2006                           |      | 2005   |   |
|                                                                |   |                           |      |   |   |
| **SUMMARY                OF FINANCIAL CONDITION**                   |   |                           |      |   |   |
|                                                                |   |                           |      |   |   |
| Total                assets                                         |   | $                              | 1,275,967 |   | $      | 1,241,058 |   |
| Interest-bearing                deposits and federal funds sold     |   |                           | 2,292     |   |   | 2,983 |   |
| Investment                securities                                |   |                           | 155,570   |   |   | 134,812 |   |
| Loans                receivable - net                               |   |                           | 1,021,361 |   |   | 1,015,083 |   |
| Deposits                                                            |   |                           | 942,960   |   |   | 978,396 |   |
| Federal                Home Loan Bank advances and other borrowings |   |                           | 236,925   |   |   | 164,382 |   |
| Stockholders’                equity                           |   |                           | 91,089    |   |   | 94,081 |   |

|                                                                         |   | For                the            |        | For                the             |   |
|------------------------------------------------------------------------------|--------|-----------------------------------|-------------|------------------------------------|--------|
|                                                                         |   | Three                Months Ended |        | Twelve                Months Ended |   |
|                                                                         |   | December                31,       |        | December                31,        |   |
| *(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 (loss) (U.S. GAAP)                               |   | $                                 | (86         | )                                  | $      | 3,579 |   | $ | 9,582 |   | $ | 11,379 |   |
|                                                                         |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Non-recurring                items, net of tax:                              |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Gain                on sale of branch locations and other fixed assets       |   |                              | ~~—~~ |                               |   | ~~—~~ |   |   | ~~—~~ |   |   | (133 | ) |
| Merger-related                expenses                                       |   |                              | ~~—~~ |                               |   | 28 |   |   | ~~—~~ |   |   | 355 |   |
| Reduction                in tax expense                                      |   |                              | ~~—~~ |                               |   | (169 | ) |   | ~~—~~ |   |   | (678 | ) |
| Net                earnings (loss) from operations                           |   | $                                 | (86         | )                                  | $      | 3,438 |   | $ | 9,582 |   | $ | 10,923 |   |
|                                                                         |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Diluted                earnings per share (U.S. GAAP)                        |   |                              | N/A         |                               | $      | 0.63 |   | $ | 1.74 |   | $ | 1.97 |   |
|                                                                         |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| 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 | ) |   | ~~—~~ |   |   | (0.12 | ) |
| Diluted                earnings per share from operations                    |   |                              | N/A         |                               | $      | 0.60 |   | $ | 1.74 |   | $ | 1.89 |   |
|                                                                         |   |                              |        |                               |   |   |   |   |   |   |   |   |   |

----

**Oak      Hill Financial, Inc.**

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

|                                                                                      |   | For                the            |        | For                the             |   |
|-------------------------------------------------------------------------------------------|--------|-----------------------------------|-------------|------------------------------------|--------|
|                                                                                      |   | Three                Months Ended |        | Twelve                Months Ended |   |
|                                                                                      |   | December                31,       |        | December                31,        |   |
| *(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)                                            |   | $                                 | 3,021       |                               | $      | 3,082 |   | $ | 13,131 |   | $ | 11,638 |   |
|                                                                                      |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Non-recurring                items:                                                       |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Gain                on sale of branch locations and other fixed assets                    |   |                              | ~~—~~ |                               |   | ~~—~~ |   |   | ~~—~~ |   |   | (205 | ) |
| Non-interest                income from operations                                        |   | $                                 | 3,021       |                               | $      | 3,082 |   | $ | 13,131 |   | $ | 11,433 |   |
|                                                                                      |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Non-interest                expense (U.S. GAAP)                                           |   | $                                 | 9,235       |                               | $      | 8,107 |   | $ | 34,206 |   | $ | 31,045 |   |
|                                                                                      |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Non-recurring                items:                                                       |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Merger-related                expenses                                                    |   |                              | ~~—~~ |                               |   | (44 | ) |   | ~~—~~ |   |   | (546 | ) |
| Reduction                in tax expense                                                   |   |                              | ~~—~~ |                               |   | 261 |   |   | ~~—~~ |   |   | 1,044 |   |
| Non-interest                expense from operations                                       |   | $                                 | 9,235       |                               | $      | 8,324 |   | $ | 34,206 |   | $ | 31,543 |   |
|                                                                                      |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| **SUMMARY                OF OPERATIONS****(1)(2)(3)**                                     |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Interest                income                                                            |   | $                                 | 20,643      |                               | $      | 18,674 |   | $ | 79,743 |   | $ | 69,720 |   |
| Interest                expense                                                           |   |                              | 11,158      |                               |   | 8,481 |   |   | 41,411 |   |   | 29,436 |   |
| Net                interest income                                                        |   |                              | 9,485       |                               |   | 10,193 |   |   | 38,332 |   |   | 40,284 |   |
| Provision                for losses on loans                                              |   |                              | 3,962       |                               |   | 670 |   |   | 5,691 |   |   | 6,341 |   |
| Net                interest income after provision for losses on loans                    |   |                              | 5,523       |                               |   | 9,523 |   |   | 32,641 |   |   | 33,943 |   |
| Gain                on sale of loans                                                      |   |                              | 107         |                               |   | 216 |   |   | 849 |   |   | 1,085 |   |
| Commissions                income                                                         |   |                              | 747         |                               |   | 710 |   |   | 3,331 |   |   | 2,781 |   |
| Other                non-interest income                                                  |   |                              | 2,167       |                               |   | 2,156 |   |   | 8,951 |   |   | 7,567 |   |
| General,                administrative and other expense                                  |   |                              | 9,235       |                               |   | 8,324 |   |   | 34,206 |   |   | 31,543 |   |
| Earnings                (loss) before federal income tax (benefit)                        |   |                              | (691        | )                                  |   | 4,281 |   |   | 11,566 |   |   | 13,833 |   |
| Federal                income tax (benefit)                                               |   |                              | (355        | )                                  |   | 1,218 |   |   | 2,984 |   |   | 3,910 |   |
| Federal                new markets tax credit                                             |   |                              | (250        | )                                  |   | (375 | ) |   | (1,000 | ) |   | (1,000 | ) |
| Net                earnings (loss) from operations                                        |   | $                                 | (86         | )                                  | $      | 3,438 |   | $ | 9,582 |   | $ | 10,923 |   |
|                                                                                      |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| **SELECTED                PERFORMANCE RATIOS FROM OPERATIONS****(1)(2)(3)(5)(6)**         |   |                              |        |                               |   |   |
|                                                                                      |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Diluted                earnings per share                                                 |   |                              | N/A         |                               | $      | 0.60 |   | $ | 1.74 |   | $ | 1.89 |   |
| Return                on average assets                                                   |   |                              | -0.03       | %                                  |   | 1.10 | % |   | 0.76 | % |   | 0.92 | % |
| Return                on average equity                                                   |   |                              | -0.36       | %                                  |   | 14.54 | % |   | 10.28 | % |   | 11.89 | % |
| Non-interest                expense to average assets                                     |   |                              | 2.90        | %                                  |   | 2.67 | % |   | 2.73 | % |   | 2.66 | % |
| Efficiency                ratio                                                           |   |                              | 69.53       | %                                  |   | 58.65 | % |   | 62.78 | % |   | 57.93 | % |

----

**Oak      Hill Financial, Inc.**

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

|                                                                       |   | At                or For the      |   | At                or For the       |   |
|----------------------------------------------------------------------------|--------|-----------------------------------|--------|------------------------------------|--------|
|                                                                       |   | Three                Months Ended |   | Twelve                Months Ended |   |
|                                                                       |   | December                31,       |   | December                31,        |   |
| *(In                thousands, except share data)*                         |   | 2006                              |   | 2005                               |   | 2006 |   | 2005 |   |
|                                                                       |   |                              |   |                               |   |   |   |   |   |
| **PER                SHARE INFORMATION (U.S. GAAP)**                       |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
|                                                                       |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
| Basic                earnings per share (4)                                |   | $                                 | (0.02  | )                                  | $      | 0.64 |   | $ | 1.76 |   | $ | 2.01 |   |
| Diluted                earnings per share (5)                              |   |                              | N/A    |                               | $      | 0.63 |   | $ | 1.74 |   | $ | 1.97 |   |
| Dividends                per share                                         |   | $                                 | 0.21   |                               | $      | 0.19 |   | $ | 0.78 |   | $ | 0.70 |   |
| Book                value per share                                        |   |                              |   |                               |   |   |   | $ | 17.16 |   | $ | 16.79 |   |
|                                                                       |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
|                                                                       |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
| **OTHER                STATISTICAL AND OPERATING DATA (U.S. GAAP)****(6)** |   |                              |   |                               |   |   |
|                                                                       |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
| Return                on average assets                                    |   |                              | -0.03  | %                                  |   | 1.15 | % |   | 0.76 | % |   | 0.96 | % |
| Return                on average equity                                    |   |                              | -0.36  | %                                  |   | 15.14 | % |   | 10.28 | % |   | 12.39 | % |
| Non-interest                expense to average assets                      |   |                              | 2.90   | %                                  |   | 2.60 | % |   | 2.73 | % |   | 2.62 | % |
| Net                interest margin (fully-taxable equivalent)              |   |                              | 3.27   | %                                  |   | 3.60 | % |   | 3.36 | % |   | 3.70 | % |
| Total                allowance for losses on loans to non-performing loans |   |                              |   |                               |   |   |   |   | 95.16 | % |   | 77.25 | % |
| Total                allowance for losses on loans to total loans          |   |                              |   |                               |   |   |   |   | 1.25 | % |   | 1.33 | % |
| Non-performing                loans to total loans                         |   |                              |   |                               |   |   |   |   | 1.31 | % |   | 1.72 | % |
| Non-performing                assets to total assets                       |   |                              |   |                               |   |   |   |   | 1.48 | % |   | 1.45 | % |
| Net                charge-offs to average loans (actual for the period)    |   |                              | 0.45   | %                                  |   | 0.03 | % |   | 0.62 | % |   | 0.50 | % |
| Net                charge-offs to average loans (annualized)               |   |                              | 1.79   | %                                  |   | 0.12 | % |   | 0.62 | % |   | 0.50 | % |
| Equity                to assets at period end                              |   |                              |   |                               |   |   |   |   | 7.14 | % |   | 7.58 | % |
| Efficiency                ratio                                            |   |                              | 69.53  | %                                  |   | 57.06 | % |   | 62.78 | % |   | 56.98 | % |
|                                                   |

----

**Oak      Hill Financial, Inc.**

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

|                                                               |   | At                December 31, |        |
|--------------------------------------------------------------------|--------|--------------------------------|-------------|
| *(In                thousands, except share data)*            |   | 2006                           |        | 2005 |   |
|                                                               |   |                           |        |   |   |
| **SUPPLEMENTAL                DETAIL**                             |   |                           |        |   |   |
|                                                               |   |                           |        |   |   |
| BALANCE                SHEET - ASSETS                              |   |                           |        |   |   |   |   |
|                                                               |   |                           |        |   |   |   |   |
| Cash                and cash equivalents                           |   |                           | 23,247      |   |   | 26,400 |   |
| Trading                account securities                     |   |                           | ~~—~~ |   |   | ~~—~~ |   |
| Securities                available for sale                       |   |                           | 153,011     |   |   | 131,193 |   |
| Securities                held to maturity                         |   |                           | 2,559       |   |   | 3,619 |   |
| Other                securities                                    |   |                           | 8,078       |   |   | 7,626 |   |
| Total                securities                                    |   |                           | 163,648     |   |   | 142,438 |   |
| Total                cash and securities                           |   |                           | 186,895     |   |   | 168,838 |   |
| Loans                and leases held for investment (1)       |   |                           | 1,030,907   |   |   | 1,024,998 |   |
| Loans                and leases held for sale (1)             |   |                           | 90          |   |   | 410 |   |
| Total                loans and leases (1)                     |   |                           | 1,030,997   |   |   | 1,025,408 |   |
| Allowance                for losses on loans                       |   |                           | 12,924      |   |   | 13,653 |   |
| Goodwill                                                           |   |                           | 7,935       |   |   | 7,935 |   |
| Other                intangible assets                             |   |                           | 3,111       |   |   | 4,068 |   |
| Total                intangible assets                             |   |                           | 11,046      |   |   | 12,003 |   |
| Mortgage                servicing rights                           |   |                           | 3,288       |   |   | 3,328 |   |
| Purchased                credit card relationships            |   |                           | ~~—~~ |   |   | ~~—~~ |   |
| Other                real estate owned                             |   |                           | 5,258       |   |   | 376 |   |
| Bank                owned life insurance                           |   |                           | 13,454      |   |   | 12,948 |   |
| Other                assets                                        |   |                           | 37,953      |   |   | 31,810 |   |
| Total                assets                                        |   |                           | 1,275,967   |   |   | 1,241,058 |   |
|                                                               |   |                           |        |   |   |   |   |
|                                                               |   |                           |        |   |   |   |   |
| BALANCE                SHEET - LIABILITIES                         |   |                           |        |   |   |   |   |
|                                                               |   |                           |        |   |   |   |   |
| Deposits                                                           |   |                           | 942,960     |   |   | 978,396 |   |
| Borrowings                                                         |   |                           | 213,925     |   |   | 141,382 |   |
| Other                liabilities                                   |   |                           | 4,985       |   |   | 4,191 |   |
| Total                liabilities                                   |   |                           | 1,161,870   |   |   | 1,123,969 |   |
| 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         |   |                           | 1,184,878   |   |   | 1,146,977 |   |
|                                                               |   |                           |        |   |   |   |   |
|                                                               |   |                           |        |   |   |   |   |
| BALANCE                SHEET - EQUITY                              |   |                           |        |   |   |   |   |
|                                                               |   |                           |        |   |   |   |   |
| Preferred                equit                                     |   |                           | ~~—~~ |   |   | ~~—~~ |   |
| Common                equity                                       |   |                           | 91,089      |   |   | 94,081 |   |
| MEMO                ITEM: Net unrealized gain (loss) on securities |   |                           |        |   |   |   |   |
| available                for sale, net of tax                      |   |                           | 32          |   |   | (341 | ) |
| End                of period shares outstanding (2)           |   |                           | 5,308,975   |   |   | 5,604,214 |   |
| Options                outstanding                                 |   |                           | 434,383     |   |   | 484,233 |   |
| Treasury                shares held by the Company                 |   |                           | 565,659     |   |   | 270,420 |   |
|                                           |

----

**Oak      Hill Financial, Inc.**

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

|                                                                   |   | At                or For the      |        | At                or For the       |   |
|------------------------------------------------------------------------|--------|-----------------------------------|-------------|------------------------------------|--------|
|                                                                   |   | Three                Months Ended |        | Twelve                Months Ended |   |
|                                                                   |   | December                31,       |        | December                31,        |   |
| *(In                thousands, except share data)*                     |   | 2006                              |        | 2005                               |   | 2006 |   | 2005 |   |
|                                                                   |   |                              |        |                               |   |   |   |   |   |
| **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)  |   |                              | 63,700      |                               |   | 55,400 |   |   | 330,055 |   |   | 269,945 |   |
| Average                price of shares repurchased(1)             |   | $                                 | 27.38       |                               | $      | 30.43 |   | $ | 28.59 |   | $ | 28.97 |   |
| INCOME                STATEMENT                                        |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                   |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Interest                income                                         |   |                              | 20,643      |                               |   | 18,674 |   |   | 79,743 |   |   | 69,720 |   |
| Interest                expense                                        |   |                              | 11,158      |                               |   | 8,481 |   |   | 41,411 |   |   | 29,436 |   |
| Net                interest income                                     |   |                              | 9,485       |                               |   | 10,193 |   |   | 38,332 |   |   | 40,284 |   |
| Net                interest income (fully-taxable equivalent)          |   |                              | 9,843       |                               |   | 10,572 |   |   | 39,812 |   |   | 41,557 |   |
| Provision                for losses on loans                           |   |                              | 3,962       |                               |   | 670 |   |   | 5,691 |   |   | 6,341 |   |
| Non-recurring                expense:                                  |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Merger-related                expenses                                 |   |                              | ~~—~~ |                               |   | 44 |   |   | ~~—~~ |   |   | 546 |   |
| Non-recurring                income:                                   |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Gain                on sale of branch locations and other fixed assets |   |                              | ~~—~~ |                               |   | ~~—~~ |   |   | ~~—~~ |   |   | 205 |   |
| Trading                account income                             |   |                              | ~~—~~ |                               |   | ~~—~~ |   |   | ~~—~~ |   |   | ~~—~~ |   |
| Foreign                exchange income                                 |   |                              | ~~—~~ |                               |   | ~~—~~ |   |   | ~~—~~ |   |   | ~~—~~ |   |
| Trust                income                                       |   |                              | ~~—~~ |                               |   | ~~—~~ |   |   | ~~—~~ |   |   | ~~—~~ |   |
| Commissions                income                                      |   |                              | 747         |                               |   | 710 |   |   | 3,331 |   |   | 2,781 |   |
| Service                charges on deposits                             |   |                              | 1,385       |                               |   | 1,322 |   |   | 5,392 |   |   | 4,508 |   |
| Gain                on sale of loans                                   |   |                              | 107         |                               |   | 216 |   |   | 849 |   |   | 1,085 |   |
| Gain                on investment securities transactions              |   |                              | 42          |                               |   | (10 | ) |   | 187 |   |   | 498 |   |
| Other                non-interest income                               |   |                              | 740         |                               |   | 844 |   |   | 3,372 |   |   | 2,561 |   |
| Total                non-interest income                               |   |                              | 3,021       |                               |   | 3,082 |   |   | 13,131 |   |   | 11,433 |   |
| Employee                compensation and benefits                      |   |                              | 4,767       |                               |   | 4,095 |   |   | 17,518 |   |   | 16,107 |   |
| Occupancy                and equipment expense                         |   |                              | 1,104       |                               |   | 977 |   |   | 4,147 |   |   | 4,067 |   |
| Foreclosed                property expense                        |   |                              | ~~—~~ |                               |   | ~~—~~ |   |   | ~~—~~ |   |   | ~~—~~ |   |
| Amortization                of intangibles                             |   |                              | 216         |                               |   | 283 |   |   | 957 |   |   | 953 |   |
| Other                general, administrative and other expense         |   |                              | 3,148       |                               |   | 2,708 |   |   | 11,584 |   |   | 9,372 |   |
| Total                non-interest expenses                             |   |                              | 9,235       |                               |   | 8,063 |   |   | 34,206 |   |   | 30,499 |   |
| Net                income (loss) before tax (benefit)                  |   |                              | (691        | )                                  |   | 4,498 |   |   | 11,566 |   |   | 14,536 |   |
| Federal                income tax (benefit)                            |   |                              | (355        | )                                  |   | 1,294 |   |   | 2,984 |   |   | 4,157 |   |
| Federal                new markets tax credit                          |   |                              | (250        | )                                  |   | (375 | ) |   | (1,000 | ) |   | (1,000 | ) |
| Net                income (loss) before extraordinary items            |   |                              | (86         | )                                  |   | 3,579 |   |   | 9,582 |   |   | 11,379 |   |
| Extraordinary                items                                |   |                              | ~~—~~ |                               |   | ~~—~~ |   |   | ~~—~~ |   |   | ~~—~~ |   |
| Net                income (loss)                                       |   |                              | (86         | )                                  |   | 3,579 |   |   | 9,582 |   |   | 11,379 |   |
|                                                                   |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                   |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| CHARGE-OFFS                                                            |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                   |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Loan                charge-offs                                        |   |                              | 5,032       |                               |   | 839 |   |   | 8,720 |   |   | 7,747 |   |
| Recoveries                on loans                                     |   |                              | 364         |                               |   | 541 |   |   | 2,301 |   |   | 2,755 |   |
| Net                loan charge-offs                                    |   |                              | 4,668       |                               |   | 298 |   |   | 6,419 |   |   | 4,992 |   |
|                                                                   |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| AVERAGE                BALANCE SHEET                                   |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                   |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Average                loans and leases                                |   |                              | 1,033,164   |                               |   | 1,022,153 |   |   | 1,032,104 |   |   | 993,976 |   |
| Average                other earning assets                            |   |                              | 161,783     |                               |   | 141,576 |   |   | 154,116 |   |   | 129,309 |   |

| (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 63,700 and 278,000                shares repurchased at an average price of $27.38 and $27.87 for the                three                and twelve months ended December 31, 2006 under the new                plan. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**Oak      Hill Financial, Inc.**

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

|                                                                          |   | For                the            |        | At                or For the       |   |
|-------------------------------------------------------------------------------|--------|-----------------------------------|-------------|------------------------------------|--------|
|                                                                          |   | Three                Months Ended |        | Twelve                Months Ended |   |
|                                                                          |   | December                31,       |        | December                31,        |   |
| *(In                thousands, except share data)*                            |   | 2006                              |        | 2005                               |   | 2006 |   | 2005 |   |
|                                                                          |   |                              |        |                               |   |   |   |   |   |
| **SUPPLEMENTAL                DETAIL***(continued)*                           |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| AVERAGE                BALANCE SHEET *(continued)*                            |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Average                total earning assets                                   |   |                              | 1,194,947   |                               |   | 1,163,729 |   |   | 1,186,220 |   |   | 1,123,285 |   |
| Average                total assets                                           |   |                              | 1,265,464   |                               |   | 1,235,698 |   |   | 1,254,590 |   |   | 1,186,236 |   |
| Average                non-interest bearing deposits                          |   |                              | 91,148      |                               |   | 100,077 |   |   | 91,768 |   |   | 91,315 |   |
| Average                total time deposits                                    |   |                              | 532,405     |                               |   | 589,104 |   |   | 550,096 |   |   | 585,114 |   |
| Average                other interest-bearing deposits                        |   |                              | 331,462     |                               |   | 299,984 |   |   | 327,040 |   |   | 267,404 |   |
| Average                total interest-bearing deposits                        |   |                              | 863,867     |                               |   | 889,088 |   |   | 877,136 |   |   | 852,518 |   |
| Average                borrowings                                             |   |                              | 211,162     |                               |   | 146,016 |   |   | 187,757 |   |   | 144,445 |   |
| Average                interest-bearing liabilities                           |   |                              | 1,075,029   |                               |   | 1,035,104 |   |   | 1,064,893 |   |   | 996,963 |   |
| Average                preferred equity                                       |   |                              | ~~—~~ |                               |   | ~~—~~ |   |   | ~~—~~ |   |   | ~~—~~ |   |
| Average                common equity                                          |   |                              | 93,516      |                               |   | 93,800 |   |   | 93,235 |   |   | 91,853 |   |
|                                                                          |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| ASSET                QUALITY AND OTHER DATA                                   |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| Non-accrual                loans                                              |   |                              |        |                               |   |   |   |   | 13,413 |   |   | 16,695 |   |
| Renegotiated                loans                                             |   |                              |        |                               |   |   |   |   | ~~—~~ |   |   | ~~—~~ |   |
| Loans                90+ days past due and still accruing                     |   |                              |        |                               |   |   |   |   | 168 |   |   | 979 |   |
| Total                non-performing loans                                     |   |                              |        |                               |   |   |   |   | 13,581 |   |   | 17,674 |   |
| Other                real estate owned                                        |   |                              |        |                               |   |   |   |   | 5,258 |   |   | 376 |   |
| Total                non-performing assets                                    |   |                              |        |                               |   |   |   |   | 18,839 |   |   | 18,050 |   |
|                                                                          |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| ADDITIONAL                DATA                                                |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| 1                -                4 family mortgage loans serviced for others |   |                              |        |                               |   |   |   |   | 233,794 |   |   | 246,200 |   |
| Proprietary                mutual fund balances                               |   |                              |        |                               |   |   |   |   | ~~—~~ |   |   | ~~—~~ |   |
| Fair                value of securities held to maturity                      |   |                              |        |                               |   |   |   |   | 2,712 |   |   | 3,851 |   |
| Full-time                equivalent employees                                 |   |                              |        |                               |   |   |   |   | 440 |   |   | 422 |   |
| Total                number of full-service banking offices                   |   |                              |        |                               |   |   |   |   | 37 |   |   | 34 |   |
| Total                number of bank and thrift subsidiaries                   |   |                              |        |                               |   |   |   |   | 1 |   |   | 1 |   |
| Total                number of ATMs                                           |   |                              |        |                               |   |   |   |   | 42 |   |   | 40 |   |
|                                                                          |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| LOANS                RECEIVABLE                                               |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
|                                                                          |   |                              |        |                               |   |   |   |   |   |   |   |   |   |
| 1                -                4 family residential                        |   |                              |        |                               |   |   |   |   | 229,020 |   |   | 237,138 |   |
| Home                equity                                                    |   |                              |        |                               |   |   |   |   | 40,819 |   |   | 42,967 |   |
| Multi-family                residential                                       |   |                              |        |                               |   |   |   |   | 35,796 |   |   | 37,241 |   |
| Commercial                real estate                                         |   |                              |        |                               |   |   |   |   | 405,805 |   |   | 381,966 |   |
| Construction                and land development                              |   |                              |        |                               |   |   |   |   | 53,493 |   |   | 52,612 |   |
| Commercial                and other                                           |   |                              |        |                               |   |   |   |   | 155,949 |   |   | 164,527 |   |
| Consumer                                                                      |   |                              |        |                               |   |   |   |   | 107,765 |   |   | 106,775 |   |
| Credit                cards                                                   |   |                              |        |                               |   |   |   |   | 2,350 |   |   | 2,183 |   |
| Loans                receivable - gross                                       |   |                              |        |                               |   |   |   |   | 1,030,997 |   |   | 1,025,409 |   |
| Unearned                interest                                              |   |                              |        |                               |   |   |   |   | ~~—~~ |   |   | (1 | ) |
| Loans                receivable - net of unearned interest                    |   |                              |        |                               |   |   |   |   | 1,030,997 |   |   | 1,025,408 |   |
| Allowance                for losses on loans                                  |   |                              |        |                               |   |   |   |   | (12,924 | ) |   | (13,653 | ) |
| Loans                receivable - net (1)                                |   |                              |        |                               |   |   |   |   | 1,018,073 |   |   | 1,011,755 |   |
|                                                                |

| (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 |   | Twelve                Months Ended |   |
|                                                                                                    |   | December                31,       |   | December                31,        |   |
| *(In                thousands, except share data)*                                                      |   | 2006                              |   | 2005                               |   | 2006 |   | 2005 |   |
|                                                                                                    |   |                              |   |                               |   |   |   |   |   |
| **SUPPLEMENTAL                DETAIL***(continued)*                                                     |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
|                                                                                                    |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
| DEPOSITS                                                                                                |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
|                                                                                                    |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
| Transaction                accounts                                                                     |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
| Non-interest                bearing                                                                     |   |                              |   |                               |   |   |   |   | 94,256 |   |   | 97,575 |   |
| Interest-bearing                                                                                        |   |                              |   |                               |   |   |   |   | 70,369 |   |   | 79,329 |   |
| Savings                accounts                                                                         |   |                              |   |                               |   |   |   |   | 48,859 |   |   | 64,128 |   |
| Money                market deposit accounts                                                            |   |                              |   |                               |   |   |   |   | 213,341 |   |   | 159,060 |   |
| Other                core interest-bearing                                                              |   |                              |   |                               |   |   |   |   | 377,994 |   |   | 427,647 |   |
| Total                core deposit accounts                                                              |   |                              |   |                               |   |   |   |   | 804,819 |   |   | 827,739 |   |
| Brokered                deposits                                                                        |   |                              |   |                               |   |   |   |   | 39,549 |   |   | 80,510 |   |
| Other                non-core interest-bearing accounts                                                 |   |                              |   |                               |   |   |   |   | 98,592 |   |   | 70,147 |   |
| Total                deposits                                                                           |   |                              |   |                               |   |   |   |   | 942,960 |   |   | 978,396 |   |
|                                                                                                    |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
|                                                                                                    |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
| Yield/average                earning assets (fully-taxable equivalent)                                  |   |                              | 6.97   | %                                  |   | 6.49 | % |   | 6.85 | % |   | 6.32 | % |
| Cost/average                earning assets                                                              |   |                              | 3.70   | %                                  |   | 2.89 | % |   | 3.49 | % |   | 2.62 | % |
| Net                interest income (fully-taxable equivalent)                                           |   |                              | 3.27   | %                                  |   | 3.60 | % |   | 3.36 | % |   | 3.70 | % |
|                                                                                                    |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
|                                                                                                    |   |                              |   |                               |   |   |   |   |   |   |   |   |   |
| 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 |   |
|   |