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
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    (Address of principal executive offices)                (Zip Code)


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

                                 Not applicable
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          (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





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




                                   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