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

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


             January 21, 2003
------------------------------------------------
Date of Report (Date of earliest event reported)


                              PEOPLES BANCORP INC.
             ------------------------------------------------------
             (Exact name of Registrant as specified in its charter)


                                     0-16772
                      ------------------------------------
                             Commission File Number

                         Ohio
      ----------------------------------------------
      (State or other jurisdiction of incorporation)


                                   31-0987416
                      ------------------------------------
                      (I.R.S. Employer Identification No.)



                  138 Putnam Street
                     PO Box 738
                   Marietta, Ohio                    45750
        ---------------------------------------    ----------
        (Address of principal executive office)    (Zip Code)


               Registrant's telephone number, including area code:
                                 (740) 373-3155


                                 Not applicable
          -------------------------------------------------------------
          (Former name or former address, if changed since last report)



                           Index to Exhibits on page 3






Item 1.  Changes in Control of Registrant
         Not applicable.

Item 2.  Acquisition or Disposition of Assets
         Not applicable.

Item 3.  Bankruptcy or Receivership
         Not applicable.

Item 4.  Changes in Registrant's Certifying Accountant
         Not applicable.

Item 5.  Other Events
         Peoples Bancorp Inc. (Nasdaq: PEBO) announced its 29th consecutive
         year of increased earnings. The release is included herewith as
         Exhibit 99.

Item 6.  Resignations of Registrant's Directors
         Not applicable.

Item 7.  Financial Statements and Exhibits
         (a) Non required
         (b) Non required
         (c) Exhibits

Item 8.  Change in Fiscal Year
         Not applicable.

Item 9.  Regulation FD Disclosure
         Not applicable.


EXHIBIT NUMBER                          DESCRIPTION
--------------                          -----------
99                                      News Release issued January 21, 2003




                                   SIGNATURES


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


DATE:  January 21, 2003            PEOPLES BANCORP INC.
                                   --------------------
                                   Registrant


                              By:  ROBERT E. EVANS
                                   ---------------
                                   Robert E. Evans
                                   President and Chief Executive Officer



                                INDEX TO EXHIBITS

Exhibit Number          Description                            Page
--------------          ----------------------------           ------
99                      News Release issued 01/21/03           4 - 10