-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 AGbKlOoAutCMHsg5M+5B9TcHitu5kcBnjvnuC0y3kU0/ujE9UZgzlCJOKlReytzX
 nkSC63L5qO7KB6LOgSaTvQ==

<SEC-DOCUMENT>0000020286-04-000009.txt : 20040106
<SEC-HEADER>0000020286-04-000009.hdr.sgml : 20040106
<ACCEPTANCE-DATETIME>20040106154928
ACCESSION NUMBER:		0000020286-04-000009
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040102
FILED AS OF DATE:		20040106

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			STECHER KENNETH W
		CENTRAL INDEX KEY:			0001231211

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-04604
		FILM NUMBER:		04510118

	BUSINESS ADDRESS:	
		STREET 1:		CLINCINNATI FINANCIAL CORP
		STREET 2:		P O BOX 145496
		CITY:			CINCINNATI
		STATE:			OH
		ZIP:			452505496

	MAIL ADDRESS:	
		STREET 1:		P O BOX 145496
		CITY:			CINCINNATI
		STATE:			OH
		ZIP:			452505496

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CINCINNATI FINANCIAL CORP
		CENTRAL INDEX KEY:			0000020286
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				310746871
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		6200 S GILMORE RD
		CITY:			FAIRFIELD
		STATE:			OH
		ZIP:			45014
		BUSINESS PHONE:		5138702000

	MAIL ADDRESS:	
		STREET 1:		6200 SOUTH GILMORE ROAD
		CITY:			FAIRFIELD
		STATE:			OH
		ZIP:			45014-5141
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>c0001231211d20040106f4f.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
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<ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2004-01-02</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000020286</issuerCik><issuerName>CINCINNATI FINANCIAL CORP</issuerName>        <issuerTradingSymbol>CINF</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001231211</rptOwnerCik><rptOwnerName>STECHER KENNETH W</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>6200 SOUTH GILMORE RD</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>FAIRFIELD</rptOwnerCity><rptOwnerState>OH</rptOwnerState><rptOwnerZipCode>45014-5141</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>SENIOR VICE-PRESIDENT SECRETAR</officerTitle><otherText></otherText></reportingOwnerRelations
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securityTitle><value>Stock Option</value></securityTitle><conversionOrExercisePrice><value>36.19</value></conversionOrExercisePrice><exerciseDate><value>2001-01-31</value></exerciseDate><expirationDate><value>2011-01-31</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>15000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>15000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option</value></securityTitle><conversionOrExercisePrice><value>38.55</value></conversionOrExercisePrice><exerciseDate><value>2002-01-28</value></exerciseDate><expirationDate><value>2012-01-28</value></expirationDate><underl
yingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>15000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>15000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Option</value></securityTitle><conversionOrExercisePrice><value>42.87</value></conversionOrExercisePrice><exerciseDate><value>1999-02-06</value></exerciseDate><expirationDate><value>2008-02-06</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>6000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>600
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</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
