UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  FORM 10-Q /A
                  QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHNAGE ACT OF 1934
                       For the Quarter Ended June 30, 2003

                         Commission File Number: 0-26876

                            OAK HILL FINANCIAL, INC.
             (Exact name of Registrant as specified in its charter)

                Ohio                                          31-1010517
  (State or other jurisdiction of                          (I.R.S. Employer
   incorporation or organization)                       Identification Number)

            14621 S. R. 93
            Jackson, Ohio                                       45640
(Address of principal executive office)                       (Zip Code)

       Registrant's telephone number, including area code: (740) 286-3283

      Indicate by check mark whether the issuer (1) has 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.

                              Yes |X|       No |_|

      Indicate by check mark whether the registrant is an accelerated filer (as
defined in Rule 12b-2 of the Exchange Act)

                              Yes |_|       No |X|

      As of August 12, 2003, the latest practicable date, 5,521,081 shares of
the Registrant's common stock, $.50 stated value, were outstanding.


<PAGE>

                            Oak Hill Financial, Inc.

                                TABLE OF CONTENTS

                                                                            Page
                                                                            ----
                           PART II - OTHER INFORMATION

Item 6: Exhibits and Reports on Form 8-K                                       3

Signatures                                                                     4

Certifications                                                                 5


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PART II - OTHER INFORMATION

Item 6: Exhibits and Reports on Form 8-K

      Exhibits:

      Exhibit Number    Description
      --------------    -----------

      31.1              Certification by Chief Executive Officer, John D. Kidd,
                        dated August 12, 2003, pursuant to Section 302 of the
                        Sarbanes-Oxley Act of 2002.

      31.2              Certification by Chief Financial Officer, Ron J. Copher,
                        dated August 12, 2003, pursuant to Section 302 of the
                        Sarbanes-Oxley Act of 2002.

      32.1              Certification by Chief Executive Officer, John D. Kidd,
                        dated July 30, 2003, pursuant to 18 U.S.C. Section 1350,
                        as adopted pursuant to Section 906 of the Sarbanes-Oxley
                        Act of 2002*

      32.2              Certification by Chief Financial Officer, Ron J. Copher,
                        dated July 30, 2003, pursuant to 18 U.S.C. Section 1350,
                        as adopted pursuant to Section 906 of the Sarbanes-Oxley
                        Act of 2002*


      *     Previously filed on August 1, 2003.

      The Company has filed the following current reports on Form 8-K with the
      Securities and Exchange Commission:

            Form 8-K, dated July 11, 2003, filed with the Securities and
            Exchange Commission on July 14, 2003.

                  o     Press Release of Oak Hill Financial, Inc., dated July
                        10, 2003, announcing the Company's earnings for the six
                        and three months ("second quarter") ended June 30, 2003.


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<PAGE>

                                   SIGNATURES

      Pursuant to the requirements of the Securities and Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                          Oak Hill Financial, Inc.


Date:  August 12, 2003                    By:
                                              ----------------------------------
                                              John D. Kidd
                                              Chairman & Chief Executive Officer


Date:  August 12, 2003                    By:
                                              ----------------------------------
                                              Ron J. Copher
                                              Chief Financial Officer


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