<SUBMISSION>
<ACCESSION-NUMBER>0000318300-04-000184
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20041110
<ITEMS>8.01
<ITEMS>9.01
<FILING-DATE>20041110
<DATE-OF-FILING-DATE-CHANGE>20041110
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>PEOPLES BANCORP INC
<CIK>0000318300
<ASSIGNED-SIC>6021
<IRS-NUMBER>310987416
<STATE-OF-INCORPORATION>OH
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-16772
<FILM-NUMBER>041133664
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>138 PUTNAM ST
<STREET2>P O BOX 738
<CITY>MARIETTA
<STATE>OH
<ZIP>45750-0738
<PHONE>7403733155
</BUSINESS-ADDRESS>
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<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>frm8k4qdividend04.txt
<DESCRIPTION>FORM 8K DIVIDEND RELEASE
<TEXT>
                                  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

Date of Report (Date of earliest event reported): November 10, 2004
                                                  -----------------


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


        Ohio                         0-16772               31-0987416
----------------------------    ----------------    -----------------------
(State or other jurisdiction    (Commission File    (I.R.S. Employer
    of incorporation)                Number)         Identification Number)


          138 Putnam Street, PO Box 738
                  Marietta, Ohio                   45750-0738
    ----------------------------------------       ----------
    (Address of principal executive offices)       (Zip Code)


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

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


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[  ]  Written communications pursuant to Rule 425 under the
      Securities Act (17 CFR 230.425)

[  ]  Soliciting material pursuant to Rule 14a-12 under the
      Exchange Act (17 CFR 240.14a-12)

[  ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

[  ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240.13e-4(c))



                           Index to Exhibits on Page 4


<PAGE>


Section 8 - Other Events
      Item 8.01  Other Events.
                  On November 10, 2004 Peoples Bancorp's Board of Directors
         issued a news release declaring a cash dividend to shareholders of
         record. A copy of the news release is attached as Exhibit 99 to this
         Current Report on Form 8-K.


Section 9 - Financial Statements and Exhibits
      Item 9.01  Financial Statements and Exhibits
              a) Financial statements of businesses acquired No response
                 required.
              b) Pro forma financial information No response required.
              c) Exhibits


Exhibit Number         Description
--------------         -------------------------------------------
   99                  News Release issued by Peoples Bancorp Inc.
                       on November 10, 2004



<PAGE>


                                   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.

                                     PEOPLES BANCORP INC.



Date:  November 10, 2004     By: /s/ MARK F. BRADLEY
                                     -------------------------------------
                                     Mark F. Bradley
                                     President and Chief Operating Officer



Exhibit Number         Description
--------------         -------------------------------------------
   99                  News Release issued by Peoples Bancorp Inc.
                       on November 10, 2004




</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>exhibit99.txt
<DESCRIPTION>DIVIDEND NEWS RELEASE
<TEXT>
                    PEOPLES BANCORP INC. - P.O. BOX 738 - MARIETTA, OHIO - 45750
                                                          www.peoplesbancorp.com


                                  NEWS RELEASE


FOR IMMEDIATE RELEASE                        Contact: Mark F. Bradley
---------------------                                 Chief Operating Officer
November 10, 2004                                     (740) 373-3155

                          PEOPLES BANCORP INC. DECLARES
                             FOURTH QUARTER DIVIDEND
      ---------------------------------------------------------------------

          MARIETTA, Ohio - The Board of Directors of Peoples Bancorp Inc.
(NASDAQ: PEBO) today declared a cash dividend of $0.18 per share payable January
3, 2005, to shareholders of record at December 15, 2004.
         The fourth quarter dividend of $0.18 per share represents a payout of
approximately $1.9 million based on 10.5 million shares outstanding at November
10, 2004. Including the fourth quarter dividend, Peoples Bancorp will have
increased its dividend 11.6% compared to $0.65 per share paid in 2003, marking
the 39th consecutive year of dividend increases.
         Peoples Bancorp Inc., a diversified financial products and services
company with $1.8 billion in assets, makes available a complete line of banking,
investment, insurance, and trust solutions through 51 locations and 33 ATMs in
Ohio, West Virginia and Kentucky. Peoples' financial service units include
Peoples Bank, Peoples Financial Advisors (a division of Peoples Bank) and
Peoples Insurance Agency, Inc. Peoples' common shares are traded on the NASDAQ
national market under the symbol "PEBO", and Peoples is a member of the Russell
3000 index of US publicly traded companies. Learn more about Peoples at
www.peoplesbancorp.com.

                                 END OF RELEASE

</TEXT>
</DOCUMENT>
</SUBMISSION>
