Exhibit 31.2

CERTIFICATION PURSUANT TO
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Ron J. Copher, certify that:

|1) | I have
  reviewed this quarterly report on Form 10-Q of Oak Hill Financial, Inc.;                                                                                                                                                                                                                                                       
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|2) | Based on my
  knowledge, this quarterly report does not contain any untrue statement of a
  material fact or omit to state a material fact necessary to make the
  statements made, in light of the circumstances under which such statements
  were made, not misleading with respect to the period covered by this quarterly
  report;
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|3) | Based on my
  knowledge, the financial statements, and other financial information included
  in this quarterly report, fairly present in all material respects the
  financial condition, results of operations and cash flows of the registrant
  as of, and for, the periods presented in this quarterly report;                     
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|4) | The
  registrants other certifying officer and I are responsible for establishing
  and maintaining disclosure controls and procedures (as defined in Exchange
  Act Rules 13a-15(e) and 15d-15(e)) for the registrant and we have:                                                                                                    
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|   | a)                                                                                                                                                                                                                                                                                                                                      
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|   | b)                                                                                                                                                                                                                                                                                                                                      
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|   | c)                                                                                                                                                                                                                                                                                                                                      
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|5) | The
  registrants other certifying officer and I have disclosed, based on our most
  recent evaluation of internal control over financial reporting, to the
  registrants auditors and the audit committee of registrants board of
  directors (or persons performing the equivalent function):                                      
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|   | a)                                                                                                                                                                                                                                                                                                                                      
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|   | b)                                                                                                                                                                                                                                                                                                                                      

|Date:
  October 28, 2004 | /s/ Ron J. Copher        
|------------------------ | -------------------------
|                         |                          
|                         | Ron J.
  Copher          
|                         | Chief
  Financial Officer

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