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<CONFORMED-NAME>PEOPLES BANCORP INC
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<STREET1>138 PUTNAM ST
<STREET2>P O BOX 738
<CITY>MARIETTA
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<DESCRIPTION>FORM 8K WESTERVILLE OFFICE
<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 22, 2004
                                                         ---------------------


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

                    Ohio                              0-16772
     ------------------------------------    ---------------------------
        (State or other jurisdiction              (Commission File
              of incorporation)                       Number)

                                   31-0987416
                     -------------------------------------
                                (I.R.S. Employer
                             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
         Peoples Bank, a subsidiary of Peoples Bancorp Inc. (Nasdaq: PEBO),
plans to establish a loan production office in Westerville, Ohio. 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 22, 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 22, 2004      By: /S/ MARK F. BRADLEY
                                      ---------------------------------------
                                      Mark F. Bradley
                                      President and Chief Operating Officer





                                INDEX TO EXHIBITS



    Exhibit Number                        Description
-------------------------    --------------------------------------------
          99                 News Release issued by Peoples Bancorp Inc.
                             on November 22, 2004


</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>ex99westerville.txt
<DESCRIPTION>NEWS RELEASE WESTERVILLE OFFICE
<TEXT>
                                   EXHIBIT 99


                        PEOPLES BANCORP INC. - P.O. BOX 738 - MARIETTA, OH 45750
                                                          www.peoplesbancorp.com

NEWS RELEASE


FOR IMMEDIATE RELEASE
November 22, 2004

Contacts:  Mark F. Bradley
           President and Chief Operating Officer
           (740) 373-3155

           John G. Hock
           Senior Vice President, Commercial Lending
           (740) 653-4995


                   PEOPLES BANK TO OPEN LOAN PRODUCTION OFFICE
                              IN WESTERVILLE, OHIO
    -------------------------------------------------------------------------

         MARIETTA, Ohio - Peoples Bank, a subsidiary of Peoples Bancorp Inc.
(Nasdaq:PEBO), plans to establish a loan production office in Westerville, Ohio.
         The new office will focus primarily on serving the commercial credit
needs of clients in the greater Columbus area. Neal S. Clark has joined Peoples
Bank as Vice President, Commercial Lending, and will manage the office at 515
Executive Campus Drive in Westerville.
         "Expansion into central Ohio has been one of our strategies," said Mark
F. Bradley, Peoples Bank's President and Chief Operating Officer. "Westerville
and surrounding areas are economically vibrant, and we think our offices in
central Ohio are good sources of future growth."
         In addition to the Westerville office, Peoples Bank has central Ohio
loan production offices in Newark and Delaware. Full-service offices also exist
in Lancaster and Baltimore.
         "We believe loan production offices are an efficient way to enter new
markets," continued Bradley. "We are excited about the potential of the
Westerville market due to Neal's track record of growing loans and servicing
clients. In the long-term, we expect to have opportunities in those markets to
expand to more full-service offerings of financial services."
         Neal Clark joins Peoples Bank with over 15 years of financial services
experience in central Ohio, with the last 10 years dedicated to business
banking. Clark is a graduate of Miami University (Ohio) and earned an MBA from
The Ohio State University. He is on the Loan Review Committee for the Community
Capital Development Corporation and is a director of The Entrepreneurial
Institute. Clark and his family live in Lewis Center, Ohio, and are active in
Olentangy youth sports.
         The Westerville office is expected to open on or around January 1,
2005. Clark can be reached by calling 614-519-2940 or via e-mail at
nclark@pebo.com.
         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 Bancorp's financial service units
include Peoples Bank, Peoples Financial Advisors (a division of Peoples Bank)
and Peoples Insurance Agency, Inc. Peoples Bancorp's common shares are traded on
the NASDAQ national market under the symbol "PEBO" and Peoples Bancorp 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>
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