UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

_X__   QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended:  JUNE 30, 2001

OR

____    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Commission file number:     0-21714

CSB Bancorp, Inc.

(Exact name of registrant as specified in its charter)

| |                                 | Ohio |  |                                         |  |  |  | 34-1687530
| | ------------------------------- | ---- |  | --------------------------------------- |  |  |  | ----------
| | (State or other jurisdiction of |      |  | (I.R.S. Employer Identification Number)
| | incorporation or organization)  |      |  |                                         |  |  |  |           
|

6 W. Jackson Street, P.O. Box 232, Millersburg, Ohio  44654

(Address of principal executive offices)

(330) 674-9015

(Registrant's telephone number)

Indicate by check mark whether the registrant (1) filed all reports required to be filed by Section 13 or 15(d) of the
Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

___X___ Yes               _____  No

Indicate the number of shares outstanding of each of the registrant's classes of common stock, as of the latest
practicable date.

|Common stock, $6.25 par value |  |  |  | Outstanding at August 8:
|----------------------------- |  |  |  | ------------------------
|                              |  |  |  |                         
|                             

CSB BANCORP, INC.

FORM 10-Q

QUARTER ENDED June 30, 2001

Table of Contents

Part I - Financial Information

|ITEM 1 - FINANCIAL STATEMENTS |  |  |  |  |  |  | Page
|----------------------------- |  |  |  |  |  |  | ----

Consolidated Balance Sheets

Consolidated Statements of Income

Consolidated Statements of Changes in Shareholders' Equity

Condensed Consolidated Statements of Cash Flows

Notes to the Consolidated Financial Statements

ITEM 2 -  MANAGEMENT'S DISCUSSION AND ANALYSIS OF

FINANCIAL CONDITION AND RESULTS OF OPERATIONS

ITEM 3 -  QUANTITATIVE AND QUALITATIVE DISCLOSURES

ABOUT MARKET RISK

Part II - Other Information

Other Information

Signatures

CSB BANCORP, INC.

CONSOLIDATED BALANCE SHEETS

(Unaudited)

|                                                           | June 30, 2001           | December 31, 2001     
|---------------------------------------------------------- | ----------------------- | ----------------------
|ASSETS                                                     |                         |                       
|Cash and noninterest-bearing deposits with banks           | $11,934,573             | $12,958,359           
|Interest-bearing deposits with banks                       | 6,176                   | 234,263               
|Federal funds sold                                         | 15,665,000              | 2,660,000             
|Total cash and cash equivalents                            | 27,605,749              | 15,852,622            
|                                                           |                         |                       
|Securities available for sale, at fair value               | 28,393,008              | 27,189,712            
|Securities held to maturity (Fair values of                |                         |                       
|$62,310,529 in 2001 and $70,328,759 in 2000)               | 60,414,914              | 69,360,098            
|Total securities                                           | 88,807,922              | 96,549,810            
|Loans, net of allowance for loan losses of                 |                         |                       
|$7,975,632 in 2001 and $7,460,370 in 2000)                 | 179,145,821             | 198,357,829           
|Premises and equipment, net                                | 9,439,149               | 9,249,920             
|Accrued interest receivable and other assets               | 6,121,961               | 5,202,069             
|Total assets                                               | $311,120,602

========= | $325,212,250

========
|                                                           |                         |                       
|LIABILITIES                                                |                         |                       
|Deposits                                                   |                         |                       
|Noninterest-bearing                                        | $25,463,641             | $30,336,143           
|Interest-bearing                                           | 234,527,173             | 238,246,776           
|Total deposits                                             | 259,990,814             | 268,582,919           
|Securities sold under repurchase agreements                | 11,835,084              | 15,583,527            
|Federal Home Loan Bank borrowings                          | 7,673,733               | 8,464,827             
|Accrued interest payable and other liabilities             | 946,124                 | 1,041,043             
|Total liabilities                                          | 280,445,755             | 293,672,316           
|                                                           |                         |                       
|SHAREHOLDERS' EQUITY                                       |                         |                       
|Common stock, $6.25 par value:  9,000,000 shares           |                         |                       
|authorized; 2,667,786 shares issued in 2001 and 2000       | 16,673,667              | 16,673,667            
|Additional paid-in capital                                 | 6,413,915               | 6,413,915             
|Retained earnings                                          | 8,790,190               | 9,840,016             
|Treasury stock at cost:  43,414 in 2001 and 43,408 in 2000 | (1,338,538)             | (1,338,432)           
|Accumulated other comprehensive income (loss)              | 135,613                 | (49,232)              
|Total shareholders' equity                                 | 30,674,847              | 31,539,934            
|                                                           |                         |                       
|Total liabilities and shareholders' equity                 | $311,120,602

========  | $325,212,250

========

See accompanying notes to consolidated financial statements.

CSB BANCORP, INC.

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

|                                                    | Three Months Ended      | Six Months Ended   
|--------------------------------------------------- | ----------------------- | -------------------
|                                                    | June 30,                | June 30,           
|                                                    | 2001                    | 2000               
|Interest income                                     |                         |                    
|Loans, including fees                               | $4,321,089              | $4,985,791         
|Taxable securities                                  | 491,500                 | 732,543            
|Nontaxable securities                               | 604,306                 | 613,412            
|Other                                               | 169,960                 | 2,318              
|Total interest income                               | 5,586,855               | 6,334,064          
|                                                    |                         |                    
|Interest expense                                    |                         |                    
|Deposits                                            | 2,806,783               | 2,729,769          
|Other                                               | 192,502                 | 389,137            
|Total interest expense                              | 2,999,285               | 3,118,906          
|                                                    |                         |                    
|Net interest income                                 | 2,587,570               | 3,215,158          
|Provision for loan losses                           | 2,410,767               | 2,688,384          
|                                                    |                         |                    
|Net interest income after provision for loan losses | 176,803                 | 526,774            
|                                                    |                         |                    
|Other income                                        |                         |                    
|Service charges on deposit accounts                 | 189,923                 | 222,970            
|Gain on sale of loans                               | 13,257                  | 5,326              
|Trust and financial services                        | 106,172                 | 96,248             
|Other income                                        | 214,763                 | 193,056            
|Total other income                                  | 524,115                 | 517,600            
|                                                    |                         |                    
|Other expense                                       |                         |                    
|Salaries and employee benefits                      | 1,342,365               | 1,148,346          
|Occupancy expense                                   | 179,085                 | 135,916            
|Equipment expense                                   | 139,489                 | 109,143            
|State franchise tax                                 | 83,921                  | 97,006             
|Professional fees                                   | 332,566                 | 60,388             
|Other expense                                       | 950,590                 | 729,957            
|Total other expense                                 | 3,028,016               | 2,280,756          
|                                                    |                         |                    
|Income (loss) before income taxes                   | (2,327,098)             | (1,236,382)        
|Provision (credit) for income taxes                 | (969,586)               | (627,115)          
|                                                    |                         |                    
|Net income (loss)                                   | $(1,357,512)

========= | $(609,267)

=======
|Basic and diluted earnings (loss) per common share  | $(0.52)

=====          | $(0.22)

=====     

See accompanying notes to consolidated financial statements.

CSB BANCORP, INC.

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY

(Unaudited)

|                                                   | Three Months Ended June 30, | Six Months Ended June 30,
|-------------------------------------------------- | --------------------------- | -------------------------
|                                                   | 2001                        | 2000                     
|                                                   |                             |                          
|Balance at beginning of period                     | $31,959,520                 | $32,927,259              
|                                                   |                             |                          
|Net income (loss)                                  | (1,357,512)                 | (609,267)                
|Other comprehensive income, net of tax             | 72,886                      | 47,908                   
|Comprehensive income (loss)                        | (1,284,626)                 | (561,359)                
|                                                   |                             |                          
|Cash dividends ($.15 and $.30 per share in 2000)   | ---                         | (392,417)                
|                                                   |                             |                          
|Purchase of treasury shares (3 and 6 shares in     |                             |                          
|2001, and 18,395 and 47,100 shares in 2000)        | (47)                        | (570,156)                
|                                                   |                             |                          
|Treasury shares used for the dividend              |                             |                          
|reinvestment program (reissued 3,318 and 7,136     |                             |                          
|treasury shares), net of fractional shares retired | ---                         | 107,819                  
|                                                   |                             |                          
|Balance at end of period                           | $30,674,847

========       | $31,511,146

=========   

See notes to the consolidated financial statements.

CSB BANCORP, INC.

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)

|                                                          | Six Months Ended June 30,
|--------------------------------------------------------- | -------------------------
|                                                          | 2001                     
|                                                          |                          
|Net cash from operating activities                        | $599,300                 
|                                                          |                          
|Cash flows from investing activities                      |                          
|Securities available for sale                             |                          
|Proceeds from maturities, calls and repayments            | 15,925,000               
|Purchases                                                 | (16,770,000)             
|Securities held to maturity                               |                          
|Proceeds from maturities, calls and repayments            | 8,915,000                
|Purchases                                                 | ---                      
|Net change in loans                                       | 17,297,971               
|Premises and equipment expenditures, net                  | (452,733)                
|Net cash from investing activities                        | 24,285,575               
|                                                          |                          
|Cash flows from financial activities                      |                          
|Net change in deposits                                    | (8,592,105)              
|Net change in securities sold under repurchase agreements | (3,748,443)              
|Net change in federal funds purchased                     | ---                      
|Principal reductions on FHLB borrowings                   | (791,094)                
|Cash dividends paid                                       | ---                      
|Purchase of treasury shares                               | (106)                    
|Net cash from financing activities                        | (13,131,748)             
|                                                          |                          
|Net change in cash and cash equivalents                   | 11,753,127               
|                                                          |                          
|Beginning cash and cash equivalents                       | 15,852,622               
|                                                          |                          
|Ending cash and cash equivalents                          | $27,605,749

========    
|                                                          |                          
|Supplemental disclosures                                  |                          
|Interest paid                                             | $5,768,140               
|Income taxes paid                                         | ---                      

See notes to the consolidated financial statements.

CSB BANCORP, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

The accompanying consolidated financial statements include the accounts of CSB Bancorp, Inc. and its wholly-owned subsidiary, The Commercial and Savings Bank (together referred to as the "Company" or "CSB").  All
significant intercompany transactions and balances have been eliminated in consolidation.

The consolidated financial statements have been prepared without audit.  In the opinion of management, all
adjustments (which include normal recurring adjustments) necessary to present fairly the Company's financial
position at June 30, 2001, and the results of operations and changes in cash flows for the periods presented have
been made.

Certain information and footnote disclosures typically included in financial statements prepared in accordance with
generally accepted accounting principles have been omitted.  The Annual Report for CSB for the year ended
December 31, 2000, contains consolidated financial statements and related footnote disclosures which should be
read in conjunction with the accompanying consolidated financial statements.  The results of operations for the
period ended June 30, 2001, are not necessarily indicative of the operating results for the full year or any future
interim period.

NOTE 2 - ACCOUNTING STANDARD IMPLEMENTED

Statement of Financial Standards No. 133, "Accounting for Derivative Instruments and Hedging Activities"
(Statement 133) establishes accounting and reporting standards for derivative instruments and hedging activities,
including certain derivative instruments embedded in other contracts and requires that an entity recognize all
derivative assets or liabilities in the balance sheet and measure them at fair value.  Statement 133 also provides an
entity the opportunity at the date of initial adoption to transfer any held-to-maturity security into the available for
sale category.

There was no impact on the consolidated financial statements of CSB as a result of adopting Statement 133 during
the first quarter of 2001, as CSB does not hold any derivative instruments or conduct hedging activities.

CSB BANCORP, INC.

MANAGEMENT'S DISCUSSION AND ANALYSIS OF

FINANCIAL CONDITION AND RESULTS OF OPERATIONS

ITEM 2 - MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
OF OPERATIONS

The following discussion focuses on the consolidated financial condition of CSB Bancorp, Inc. (the Company) at
June 30, 2001, compared to December 31, 2000, and the consolidated results of operations for the six month and
quarterly periods ending June 30, 2001 compared to the same periods in 2000.  The purpose of this discussion is to
provide the reader with a more thorough understanding of the consolidated financial statements.  This discussion
should be read in conjunction with the interim consolidated financial statements and related footnotes.

FORWARD-LOOKING STATEMENTS

Certain statements contained in this report that are not historical facts are forward-looking statements that are
subject to certain risks and uncertainties.  When used herein, the terms "anticipates", "plans", "expects", "believes",
and similar expressions as they relate to the Company or its management are intended to identify such forward-looking statements.  The Company's actual results, performance or achievements may materially differ from those
expressed or implied in the forward-looking statements.  Risks and uncertainties that could cause or contribute to
such material differences include, but are not limited to, general economic conditions, interest rate environment,
competitive conditions in the financial services industry, changes in law, governmental policies and regulations, and
rapidly changing technology affecting financial services.

The Company does not undertake, and specifically disclaims any obligation, to publicly revise any forward-looking
statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of
anticipated or unanticipated events.

FINANCIAL CONDITION

Total assets were $311.1 million at June 30, 2001, compared to $325.2 million at December 31, 2000, representing a
decrease of $14.1 million or 4.3%.  Federal funds sold increased $13.0 million to $15.7 million at June 30, 2001.
Total securities decreased approximately $7.7 million during the six month period ended June 30, 2001, including
an $8.9 million decrease in the held-to-maturity category and a $1.2 million increase in the available for sale
category.  The Company manages its securities portfolio and federal funds sold position to meet liquidity needs and
asset liability management requirements.

CSB BANCORP, INC.

MANAGEMENT'S DISCUSSION AND ANALYSIS OF

FINANCIAL CONDITION AND RESULTS OF OPERATIONS

Net loans decreased $19.2 million, or 9.7% from December 31, 2000, to $179.1 million at June 30, 2001.
Commercial loans decreased $4.4 million, or 5.1%, from December 31, 2000, partially due to $737,000 being sold
during the six month period.  Commercial real estate loans decreased $3.5 million, or 8.8%, as a result of $5.2
million of performing and non-performing commercial real estate loans being sold during the first six months of
2001.  This sale more than offset commercial real estate construction loans which became permanent loans.  Total
construction loans decreased $6.4 million, or 84.7%.  Installment loans decreased $3.0 million, or 16.5%.  Overall,
the decrease in loans is attributed to the sale of commercial real estate loans, the $2.7 million loan loss provision,
and stricter underwriting standards.

The allowance for loan losses amounted to $8.0 million, or 4.26% of total loans, at June 30, 2001, compared to $7.5
million, or 3.61% of total loans at December 31, 2000.  The components of the change in the allowance for loan
losses during the six months ended June 30, 2001, included a provision of $2.7 million and net loan charge-offs of
$2.2 million.  Such charge-offs included $1.6 million relating to commercial real estate loans sold during the period.

Loans past due more than 90 days and loans placed on nonaccrual status, were approximately $4.4 million, or 2.4%
of total loans at June 30, 2001, compared to $1.3 million, or 0.65% of total  loans at December 31, 2000.  These
credits are considered in management's analysis of the allowance for loan losses.

Net premises and equipment increased $189,000, or 2.0%, during the first six months of 2001, due primarily to the
acquisition of technology equipment in the normal course of business, which more than offset depreciation.

At June 30, 2001, the ratio of total loans to deposits was 72.0%, compared to 76.6% at the end of  2000.

Total shareholders' equity at June 30, 2001 decreased $865,000, or 2.7%, compared to December 31, 2000,
primarily due to the six month net loss of $1.0 million.

The Company and its subsidiary exceeded all minimum regulatory capital requirements at June 30, 2001.

RESULTS OF OPERATIONS

The net loss for the six months ending June 30, 2001, was $1.0 million, or $0.40 per share, as compared to net
income of $365,000, or $0.15 per share during the same period last year, a decrease of $1.4 million.  The primary
factors contributing to the net loss were (1) a provision for loan losses of $2.7 million, (2) a decrease in net interest
income of $822,000 due to the Federal Reserve actions in the first six months of 2001 and reductions in the level of
loans,

CSB BANCORP, INC.

MANAGEMENT'S DISCUSSION AND ANALYSIS OF

FINANCIAL CONDITION AND RESULTS OF OPERATIONS

especially commercial loans, and (3) $1.5 million increase in operating expenses, primarily as a result of additional
staffing and professional fees relating to the Written Agreement previously entered into with the Company's
regulators.  For the quarter ended June 30, 2001, the Company incurred a net loss of $1.4 million, or $0.52 per
share, for the reasons previously noted.

Interest income for the six months ended June 30, 2001 was $11.6 million, a decrease of $774,000, or 6.2%, over
the same period last year, including interest and fees on loans decreasing $532,000, or 5.5%.  Interest on securities
decreased $421,000, or 15.4%, as short term interest rates fell and certain callable securities were called.  Other
interest income increased $179,000 as the average federal fund sold position was higher during the current period.
Interest income for the quarter ended June 30, 2001 was $5.6 million, a decrease of $747,000, or 11.8%, compared
to the same period in 2000.  This decrease was due to the reasons previously noted.

Interest expense increased $48,000 to $6.2 million for the six months ended June 30, 2001, compared to the six
months ended June 30, 2000.  Interest expense on deposits increased $278,000, or 5.1%, from the same period as
last year, while interest expense on other borrowings decreased by $230,000, or 33.8%.  The increase in deposit
interest expense was caused by the higher rates on certificates of deposit originated in the latter part of 2000, which
reflect the 175 basis points increase in short term rates by the Federal Reserve during 2000.  Interest expense for the
quarter ended June 30, 2001 was $3.0 million, a decrease of $120,000, or 3.8%, from the same period in 2000.

The provision for loan losses was $2.7 million during the first six months of 2001, a decrease of $210,000 over the
same period of 2000.  This provision is determined based on management's calculation of the allowance for loan
losses, which includes provisions for classified loans, and a provision for the remainder of the portfolio and
historical data, including past charge-offs.  The provision for loan losses for the three months ended June 30, 2001
was $2.4 million, compared to $2.7 million for the same quarter last year.

Other income increased $17,000, or 1.7%, during the six months ended June 30, 2001 as compared to the same
period in 2000.  Other expenses increased $1.5 million, or 33.5%, for the six months ended June 30, 2001,
compared to the same period in 2000.  Salaries and employee benefits increased $411,000, or 18.6%; occupancy
expense increased $50,000, or 18.2%; professional fees increased $634,000 due to additional expenses relating to
the Written Agreement; and other expenses increased $387,000 or 27.9%. The credit for income taxes was $1.1
million during the first six months of 2001, as compared to a credit of $425,000 for the first six months of 2000.

Other income for the quarter ended June 30, 2001 was $524,000, an increase of $7,000 compared to the same
quarter in 2000.  Other expenses for the three month period increased $747,000, or 32.7%, compared to last year's
period.  This increase was due to reasons previously noted.

CSB BANCORP, INC.

QUALITATIVE AND QUANTITATIVE DISCLOSURE ABOUT MARKET RISK

ITEM 3  QUALITATIVE AND QUANTITATIVE DISCLOSURE ABOUT MARKET RISK

There have been no material changes in the quantitative and qualitative disclosures about market risks as of June 30,
2001 from that presented in the Company's Annual Report on Form 10-K for the fiscal year ended December 31,
2000.  Management performs a quarterly analysis of the Company's interest rate risk.  All positions are currently
within the Board-approved policy limits.

CSB BANCORP, INC.

FORM 10-Q

Quarter ended June 30, 2001

PART II - OTHER INFORMATION

|Item 1 -                                                      | Legal Proceedings:                                                                             
|------------------------------------------------------------- | -----------------------------------------------------------------------------------------------
|There are no matters required to be reported under this item.
|                                                              |                                                                                                
|Item 2 -                                                      | Changes in Securities and Use of Proceeds:                                                     
|There are no matters required to be reported under this item.
|                                                              |                                                                                                
|Item 3 -                                                      | Defaults Upon Senior Securities:

There are no matters required to be reported under this item.
|                                                              |                                                                                                
|Item 4 -                                                      | Submission of Matters to a Vote of Security Holders:                                           
|There are no matters required to be reported under this item.
|                                                              |                                                                                                
|Item 5 -                                                      | Other Information:                                                                             
|There are no matters required to be reported under this item.
|                                                              |                                                                                                
|Item 6 -                                                      | Exhibits and Reports on Form 8-K:

(a)  Exhibits:                                              
|                                                              |                                                                                                

|Exhibit
Number | Description of Document                                                                                                                                                                                                                                                                                                                                                                                                                                
|-------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|               |                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|11             | Statement Regarding Computation of Per Share Earnings (reference is hereby made to
Consolidated Statements of Income on page 4 hereof.)                                                                                                                                                                                                                                                                                                                
|               |                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|               | (b)                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|               |                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|               | 1  Form 8-K dated April 5, 2001 announcing (i) the Board of Directors of the
Company, acting on the recommendation of the Audit Committee of the Board,
determined to replace the Company's auditor, Crowe, Chizek and Company LLP,
following the date of completion of the audit of financial statement and reports for
the year ended December 31, 2000; and (ii) the engagement of Clifton Gunderson
LLP as the principal accountant of the Company.
|               |                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|               | 2  Form 8-K-A (Amendment No. 1) dated April 30, 2001 clarifying the Form 8-K
dated April 5, 2001 and containing a further letter from Crowe, Chizek and
Company LLP stating their position with CSB Bancorp, Inc.                                                                                                                                                                                                                                      
|               |                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|               | 3  Form 8-K dated May 9, 2001 containing a press release announcing that on May
7, 2001, CSB Bancorp, Inc. and its subsidiary bank, The Commercial and Savings
Bank of Millersburg, issued a letter to shareholders regarding the year 2000 annual
report, first quarter of the year 2001 and pending Annual Meeting of Shareholders.                                                                                                                  

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, thereunto duly authorized.

|                        | CSB BANCORP, INC.
|----------------------- | -----------------
|                        | (Registrant)     
|                        |                  
|                        |                  
|Date:  August 14, 2001  | /s/ C. JAMES BESS
|                        | C. James Bess    
|President              
|Chief Executive Officer
|                        |                  
|                        |                  
|Date:  August 14, 2001  | /s/ A. LEE MILLER
|                        | A. Lee Miller    
|Senior Vice President  
|Chief Financial Officer

CSB BANCORP, INC.

Index to Exhibits

|Exhibit Number | Description of Document                                                                                                                 | Sequential Page
|-------------- | --------------------------------------------------------------------------------------------------------------------------------------- | ---------------
|               |                                                                                                                                         |                
|11             | Statement Regarding Computation of Per Share Earnings
(reference is hereby made to Consolidated Statements of
Income on page 4 hereof.) | 15