2003 Press Releases

Peoples Bancorp to Enhance Credit Card Offerings Through Joint Marketing Agreement
Peoples Bancorp Inc. Restructures Portion of Investment Portfolio
Peoples Bank And Marietta Memorial Hospital Raise $2,200 For Salvation Army's Toys For Tots & Coats For Kids
People Bancorp Inc. Authorizes Repurchase Of Common Stock
Peoples Bancorp Inc. Prepays Selected Long-Term Debt
Peoples Bancorp Increases Quarterly Dividend
Peoples Bancorp Inc. Reports Third Quarter Results
Peoples Bancorp Named One of America's Finest Companies®
Peoples Bancorp Declares 5% Stock Dividend; Increases Cash Dividend to $0.17 Per Share
Peoples Bancorp Hires Controller and Chief Accounting Officer
Peoples Bank to Expand to Full-Service Banking Location in Lancaster
Peoples Bancorp Inc. Reports Second Quarter Results
Peoples Bancorp Listed Among Top 100 in Ohio
Peoples Bank to Close Catlettsburg Office
Peoples Bancorp Appoints Chairman of the Board
Peoples Bancorp Completes Acquisition of Kentucky Bancshares Incorporated
Peoples Bancorp Inc. Reports First Quarter Earnings
Peoples Bank to Open Loan Production Office in Delaware, Ohio
Peoples Bancorp, Inc. Authorizes Repurchase of Common Stock
Peoples Bancorp Inc. Announces Earnings Expectations
Peoples Bancorp to Present at Midwest 2003 Super-Community Bank Conference
Peoples Bancorp Declares First Quarter Dividend
Peoples Bancorp Announces 29th Consecutive Year of Increased Earnings
Mark Bradley Elected Director of Peoples Bancorp
Peoples Bancorp Inc. Announces Sale of 216,000 Common Shares for Over-Allotment

PEOPLES BANCORP TO ENHANCE CREDIT CARD OFFERINGS
THROUGH JOINT MARKETING AGREEMENT
_______________________________________________________

Peoples Bancorp to sell current credit card portfolio; generate over $1 million net gain

December 31, 2003
Contact: Mark Bradley
Peoples Bank, President and Chief Operating Officer
(740) 373-3155

MARIETTA, Ohio – Peoples Bancorp Inc. (Nasdaq: PEBO) today announced its signing of a joint marketing agreement with InfiCorp Holdings, Inc. and Peoples Bank, National Association (“Peoples Bank”) to serve the credit card needs of Peoples Bancorp’s customers on a going forward basis and purchase Peoples Bank’s existing credit card portfolio.

“We have not been able to grow our credit card portfolio in recent years,” said Mark F. Bradley, Peoples Bank’s President and Chief Operating Officer. “Our customers have asked us for enhancements such as rewards programs, lower interest rates, and more. We believe that InfiCorp’s Bankcard Alliance Program will provide our customers with a better product, and when combined with the personal touch and customer service provided by Peoples’ associates, our customers will benefit from an enhanced credit card offering.”

At November 30, Peoples Bank’s credit card balances totaled approximately $6.4 million. As part of the joint marketing agreement, Peoples Bank has agreed to sell its credit card receivables to InfiCorp. Preliminary settlement of the sale is expected to result in a fourth quarter pre-tax gain, net of nonrecurring expenses, of over $1 million, or up to $0.08 in after-tax earnings per share for Peoples Bancorp.

“The intense competition for credit card business makes it tougher for companies our size to be successful under our current model,” said Bradley. “Through InfiCorp’s Bankcard Alliance Program, we will continue to serve customers’ credit card needs and provide enhanced product features. This alliance is consistent with our strategy to access, when appropriate, other financial service providers for insurance, investment or lending needs. The joint marketing agreement with InfiCorp gives us the chance to further penetrate our customer base through proactive marketing efforts.”

The final settlement/conversion of Peoples Bank’s credit card portfolio to InfiCorp is expected to be completed in the second quarter of 2004. Peoples Bank will continue to serve the credit card needs of its customers through the transition period. All credit cards issued will continue to be marketed under Peoples Bank’s name and logo.

Bradley continued, “Our responsibility is to deliver competitively priced financial products that are mutually beneficial to both shareholders and customers. This alliance will allow us to continue to make available a full range of financial products to our customers, re-employ some of our assets, and maintain an ongoing net revenue stream from credit card sales activity.”

Further information regarding the financial impact of the joint marketing agreement will be provided in Peoples’ 2003 earnings release on January 20, 2004 and discussed during Peoples’ quarterly conference call on January 21, 2004. The conference call/webcast will begin at 4:00 pm eastern time and will be accessible via peoplesbancorp.com under the “Investor Relations” section. The phone number for call-in listeners will be published in Peoples’ 2003 earnings statement.

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 Peoples Bank’s 49 sales offices and 32 ATMs in Ohio, West Virginia, and Kentucky. Peoples’ common shares are traded on the NASDAQ national market under the symbol “PEBO.” 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

PEOPLES BANCORP INC. RESTRUCTURES
PORTION OF INVESTMENT PORTFOLIO _______________________________________________________

December 29, 2003
Contact: John W Conlon, Chief Financial Officer
(740) 373-3155

MARIETTA, Ohio – (REVISED news release from December 26, 2003) Peoples Bancorp Inc. (NASDAQ: PEBO) announced today the recent sales of approximately $55 million of mortgage-backed securities due to high rate of prepayments on those securities and the corresponding downward pressure on yields from accelerated amortization of bond premiums.

Peoples will reinvest the proceeds from these sales into other mortgage-backed securities that are anticipated to improve the yield on the approximately $53 million net reinvestment by about 100 basis points, resulting in an annualized increase in interest income of approximately $530,000 in 2004, or $0.03 per share after tax.

As a result of the restructuring, Peoples will recognize a fourth quarter 2003 pre-tax charge to earnings of $1.9 million, or $0.12 per share after-tax.

“This asset restructuring complements our recent prepayment of select long-term liabilities,” said Robert E. Evans, Peoples’ Chairman and CEO. “While these actions lower current year earnings, we believe it positions Peoples for long-term success.”

The estimated lives of the securities being purchased will be similar to the estimated lives of the securities that were sold. Approximately $27 million of the reinvestment will settle before year-end 2003, with the remaining reinvestment of approximately $26 million settling in late January 2004.

Forward-Looking Statements:
Except for the historical and present factual information contained in this press release, the matters discussed in this press release, and other statements identified by words such as “expects,” “believes,” “plans,” and similar expressions are forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including, but not limited to, the interest rate environment, the effect of federal and state banking and tax regulations, the effect of technological changes, the effect of economic conditions, the impact of competitive products and pricing, and other risk factors relating to the banking industry or Peoples as detailed from time to time in Peoples’ reports filed with the SEC. Although management believes that the expectations in these forward-looking statements are based on reasonable assumptions within the bounds of management’s knowledge of Peoples’ business and operations, it is possible that actual results may differ materially from these projections. Peoples disclaims any responsibility to update these forward-looking statements, except as may be required by applicable laws.

END OF RELEASE

PEOPLES BANK AND MARIETTA MEMORIAL HOSPITAL
RAISE $2,200 FOR SALVATION ARMY’S TOYS FOR TOTS / COATS FOR KIDS
__________________________________________

Wheelchair Basketball game won by Marietta Memorial Wheelers

December 17, 2003
Contact: Mark Bradley, President and COO
(740) 373-3155

Marietta, Ohio – On December 7th, Peoples Bank and the Marietta Memorial Hospital Wheelers played a wheelchair basketball game to benefit the local Salvation Army and “Toys for Tots/Coats for Kids.” The event took place at the Marietta High School gymnasium where Peoples “Bank Shots” lost to the Marietta Memorial “Wheelers”.

The event raised over $2,200 for the charities. A highlight this year was the half time entertainment provided by the River Valley Skippers.

The Wheelers are a local team of participants who play basketball in wheelchairs to raise funds for various local charities. More than 50 Peoples Bank and Marietta Memorial volunteers coordinated the event, including Peoples Bank associate Steve Vincent and Ryan Neville from the Rehabilitation Center at Marietta Memorial, who led the planning of this year’s event.

“One of our core values at Peoples is commitment to the community,” stated, Mark F. Bradley, President and COO. “We were excited to team up with the Marietta Memorial Wheelers to raise funds for such a worthy cause, and we had a great time doing it. Our donation amount this year increased by $500 due to the efforts of everyone involved.”
Peoples Bank associate Rich Wilmoth of Peoples’ Document Imaging Department represented the Wheelers team and scored the winning basket. Wilmoth has played for the Wheelers in several events.

Peoples allocates over 30% of its annual marketing budget to public relations and donations, as well as other charitable projects, in the local communities. This was the second year that The Rehabilitation Center at Marietta Memorial and Peoples Bank has partnered for this worthwhile event.

Peoples Bank, a subsidiary of Peoples Bancorp Inc. (Nasdaq: PEBO), is a diversified financial services company that offers complete banking, investment, insurance, and trust products and services through 50 convenient financial service locations and 32 ATMs in the states of Ohio, West Virginia, and Kentucky. Learn more about Peoples at www.peoplesbancorp.com .

END OF RELEASE

PEOPLES BANCORP INC. AUTHORIZES
REPURCHASE OF COMMON STOCK
____________________________________________

2003 earnings to be released January 20, 2004; Conference call scheduled for January 21

December 17, 2003
Contact: Mark Bradley, Chief Operating Officer
(740) 373-3155

MARIETTA, Ohio – At its December meeting, the Board of Directors of Peoples Bancorp Inc. (Nasdaq: PEBO) adopted a resolution authorizing the repurchase in 2004 of up to 425,000 (or approximately 4%) of Peoples’ outstanding common shares from time to time in open market or privately negotiated transactions. The repurchases will be used for projected stock option exercises granted under Peoples’ stock option plans, projected purchases of common shares for Peoples’ deferred compensation plans, and other general corporate purposes.

The timing of the purchases and the actual number of common shares purchased will depend on market conditions and limitations imposed by applicable federal securities laws. The stock repurchase plan expires December 31, 2004, and will not exceed an aggregate purchase price of $13 million.

Also at the December meeting, Peoples’ Board of Directors adopted a formal code of ethics applicable to all Peoples’ directors, officers, and associates. Peoples’ code of ethics was adopted by the Board of Directors to demonstrate to the public and Peoples’ shareholders the importance that the Board and management place on ethical conduct, and to continue to set forth Peoples’ expectations for the conduct of ethical business practices. Peoples’ code of ethics will be filed with the Securities and Exchange Commission and will also be available to the public at www.peoplesbancorp.com .

In other news, Peoples also announced it will release 2003 earnings after market hours on January 20, 2004. Peoples’ executive management will hold a conference call/webcast to discuss 2003 earnings on January 21, 2004, at 4:00 pm eastern time. The conference call/webcast will be accessible via peoplesbancorp.com under the “Investor Relations” section. The phone number for call-in listeners will be published in Peoples’ 2003 earnings statement to be released on January 20, 2004.

PEOPLES BANCORP INC. PREPAYS SELECTED LONG-TERM DEBT
________________________________

December 15, 2003
Contact: John W Conlon, Chief Financial Officer
(740) 373-3155

MARIETTA, Ohio – Due to the low interest rate environment, Peoples Bancorp Inc. (Nasdaq: PEBO) committed to prepay $63 million of Federal Home Loan Bank (FHLB) convertible fixed rate borrowings.
The early repayment of the long-term debt will result in a pre-tax charge of approximately $6.8 million for prepayment penalties, or $4.6 million after taxes ($0.44 cents per share).

The $63 million of advances, which have a weighted average rate of 5.14%, are now in convertible option periods, which means the advances will remain at higher fixed rates until converted (at the sole discretion of the FHLB) to a variable LIBOR-based rate. The prepayments will settle on Tuesday, December 16, 2003.

“This immediately reduces our funding costs and prepares us for future earnings growth,” said Robert E. Evans, Peoples Bancorp’s Chairman and CEO. “All FHLB borrowings that are being prepaid have interest rates of 5.00% and higher, and have been on our books since 1999 when interest rates were significantly higher. With rates at such low levels, it made sense to prepay and borrow at lower costs.”

Peoples Bancorp plans to replace the $63 million in convertible rate borrowings with a short term FHLB repurchase agreement (“repo”) advance. The new advance currently has a significantly lower interest rate and yet has similar interest rate sensitivity characteristics (in a rising rate environment) as the borrowings that are being prepaid. Based upon the current interest rate environment, Peoples Bancorp estimates that this change in funding sources will lower annual interest expense by approximately $2.5 million, which would enhance future annual earnings by $1.7 million after taxes ($0.16 per share).

“The prepayment of high-cost FHLB borrowings fits our strategy to have a long-term focus on growing shareholder value,” Evans said. “Although 2003 has been a tough year to grow earnings, we believe Peoples Bancorp is in a solid position for future earnings enhancements, as our shareholders’ equity and asset quality remain positions of strength as we look to continue the growth the company.”

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 Peoples Bank’s 49 sales offices and 32 ATMs in Ohio, West Virginia, and Kentucky. Peoples’ common shares are traded on the NASDAQ national market under the symbol “PEBO.” Peoples Bancorp is a member of the Russell 3000 index of US publicly traded companies. Learn more about Peoples at www.peoplesbancorp.com .

Forward-looking statement:
Except for the historical and present factual information contained in this press release, the matters discussed in this press release, and other statements identified by words such as “expects,” “believes,” “plans,” and similar expressions are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including, but not limited to, the interest rate environment, the effect of federal and state banking and tax regulations, the effect of technological changes, the effect of economic conditions, the impact of competitive products and pricing, and other risk factors relating to the banking industry or Peoples Bancorp as detailed from time to time in Peoples Bancorp’s reports filed with the SEC. Although management believes that the expectations in these forward-looking statements are based on reasonable assumptions within the bounds of management’s knowledge of Peoples Bancorp’s business and operations, it is possible that actual results may differ materially from these projections. Peoples Bancorp disclaims any responsibility to update these forward-looking statements, except as may be required by applicable laws.

END OF RELEASE

PEOPLES BANCORP INCREASES
QUARTERLY DIVIDEND
____________________________________________

November 14, 2003
Contact: Robert E Evans, Chairman and CEO
(740) 373-3155

MARIETTA, Ohio - The Board of Directors of Peoples Bancorp Inc. (Nasdaq: PEBO) yesterday declared a cash dividend of $0.18 per share.

The fourth quarter dividend represents a 5.9% increase compared to the previous quarter’s cash dividend of $0.17 per share, and will be paid on January 2, 2004, to shareholders of record at December 15, 2003.

“Dividends are now more valuable to investors, and we have responded by raising our dividend payout in the second half of the year,” commented Robert E. Evans, Chairman and CEO. “This year will mark the 38th consecutive year of increased dividends at Peoples Bancorp, and we will continue to look at raising dividends as an effective method of reaching our goal of enhanced shareholder return.”

At November 7, 2003, Peoples Bancorp had 10.6 million shares outstanding. Including the fourth quarter dividend of $0.18 per share, Peoples Bancorp will have increased its dividend 15.4% over $0.56 per share paid in 2002.

PEOPLES BANCORP INC. REPORTS
THIRD QUARTER RESULTS
______________________________________________

October 15, 2003
Contact: Jack Conlon, Chief Financial Officer
(740) 373-3155

MARIETTA, Ohio - Peoples Bancorp Inc. (NASDAQ: PEBO) announced net income of $5,940,000 for the third quarter of 2003, up 24% from $4,796,000 a year ago and up 9% from $5,439,000 for the second quarter of 2003. Diluted earnings per share were $0.55 for the third quarter of 2003 versus $0.56 for the same period last year and $0.51 for the second quarter of 2003. On a year-to-date basis through September 30, 2003, net income grew 15% to $16,394,000, from $14,252,000 a year ago, while earnings per diluted share were $1.55 for the nine months ended September 30, 2003, versus $1.68 for the first nine months of 2002.

Peoples’ increased net income is largely the result of additional net interest income attributable to a higher level of earning assets, as well as enhanced non-interest revenues. However, earnings per share continues to be challenged by significant volumes of assets repricing downward and additional common shares outstanding, including a full quarter’s impact of the shares issued as part of the Kentucky Bancshares acquisition last quarter.

“We are pleased with third quarter results, even as interest rate and economic challenges persist,” said Robert E. Evans, Peoples’ Chairman and CEO. “Although net interest income remains a key contributor to our earnings growth, our associates are committed to enhancing Peoples’ financial performance by diversifying revenues. We believe this focus will help increase long-term shareholder value.”

In the third quarter of 2003, net interest income was $14,085,000 compared to $14,161,000 last quarter and $13,138,000 a year ago. Net interest margin was 3.58% in the third quarter of 2003 versus 3.64% and 4.42% for the second quarter of 2003 and third quarter of 2002, respectively. On a year-to-date basis through September 30, 2003, net interest income totaled $41,889,000 and net interest margin was 3.69% compared to $37,808,000 and 4.49% for the same period in 2002.

“While the higher level of net interest income is primarily the result of an increase in earning assets, the sustained low interest rate environment continues to compress net interest margin,” said Jack Conlon, Peoples’ Chief Financial Officer. “In addition, net interest income and margin for the third quarter of 2003 were also impacted by new accounting rules for our trust preferred securities. We continue to focus on minimizing the impact of interest rate changes on Peoples’ earnings while also preparing the balance sheet for inevitable rate increases.”

On July 1, 2003, Peoples adopted the reporting requirements of FASB Statement of Financial Accounting Standards No. 150, “Accounting for Certain Financial Instruments with Characteristics of both Liabilities and Equity” (“SFAS 150”), as required. This adoption resulted in Peoples reclassifying $585,000 of expense on its Trust Preferred Securities to interest expense in the third quarter of 2003. Prior to the adoption of SFAS 150, Peoples recognized the cost of its Trust Preferred Securities as non-interest expense. While this reclassification compressed third quarter net interest margin 14 basis points, it positively impacted Peoples’ efficiency and non-interest leverage ratios and had no impact on net income or results of operations.

Non-interest income was $5,041,000 for the third quarter of 2003, up 24% from $4,066,000 for 2002’s third quarter and up 11% from $4,547,000 for the second quarter of 2003. For the nine months ended September 30, 2003, non-interest income totaled $13,523,000 compared to $10,982,000 a year ago. Peoples’ increased non-interest income was primarily the result of higher deposit service charge income and mortgage banking revenues, while revenues from Peoples’ e-banking services and fiduciary activities also contributed to the increase.

“Growing non-interest revenues remains one of our key strategic goals, especially in this challenging interest rate environment,” commented Mark Bradley, Peoples’ Chief Operating Officer. “Recent acquisitions, such as the Kentucky Bancshares acquisition, have provided opportunities to generate additional fee-based revenues through our needs-based approach to fulfilling our customers’ financial needs.”

Deposit account service charges totaled $2,196,000 in the third quarter of 2003 and $5,973,000 for the nine months ended September 30, 2003, increases of 12% and 19%, respectively, compared to the same periods last year as a result of higher volumes of overdraft and non-sufficient funds fees. Peoples’ fiduciary revenues improved to $1,142,000 for the third quarter of 2003 and $2,586,000 for the nine months ended September 30, 2003, compared to $626,000 and $1,882,000 for the same periods a year ago, respectively. These increases are largely attributable to a one-time fee of $341,000 in the third quarter due to a large special dividend received by several trust customers, as well as an increase in trust assets under management due to the Kentucky Bancshares acquisition. Peoples’ mortgage banking activities produced revenues of $400,000 and $967,000 for the three and nine months ended September 30, 2003, respectively, versus $22,000 for both periods last year, as Peoples began selling loans into the secondary market late in the third quarter of 2002. E-banking revenues grew 15% from a year ago, totaling $534,000 for third quarter of 2003 and were up 1% from the prior quarter. The linked quarter increase was lower due to the expected reduction in fees earned on certain debit card transactions as a result of the recent litigation involving VISA and MasterCard. On a year-to-date basis, electronic banking revenues were $1,517,000 in 2003 versus $1,246,000 in 2002, an increase of 22%.

“Mortgage banking income has provided a boost to non-interest revenues throughout 2003,” added Bradley. “However, we anticipate mortgage originations will slow down as the demand for loan refinancing appears to have peaked. We have built our mortgage banking area to be an ongoing line of business, have a good servicing portfolio, and have taken steps to pursue mortgage loan growth to help offset lower mortgage banking revenues in the future.”

Non-interest expense was $9,999,000 in the third quarter of 2003, up 5% compared to $9,479,000 for the same period in 2002. Salaries and benefits, Peoples’ largest non-interest expense, totaled $5,031,000 for the quarter ended September 30, 2003, an increase of 5% from a year ago. The increase was due primarily to Peoples adding several new associates in conjunction with acquisitions. For the third quarter of 2003, occupancy and equipment costs increased 14%, as acquisitions and investments in technology produced additional depreciation expense in 2003, while intangible amortization more than doubled from a year ago, also due to acquisitions. The change in classification of the Trust Preferred expense due to the adoption of SFAS 150 partially offset these increases and resulted in non-interest expense being down $43,000 in the third quarter of 2003 compared to the prior quarter. On a year-to-date basis, non-interest expense totaled $29,744,000 through September 30, 2003, up 11% from $26,706,000 last year.

The non-interest income leverage ratio, defined as non-interest income as a percentage of operating expenses (excluding intangible amortization), serves as a measurement of efficiency and performance. Through the first nine months of 2003, the non-interest income leverage ratio was 47.1%, an improvement from 41.7% a year ago, due to stronger non-interest revenues, controlled expense growth and the adoption of SFAS 150.

“The improvement in the non-interest leverage ratio reflects our commitment to enhance earnings by reducing reliance on net interest income,” commented Bradley. “We also monitor operating expense in order to try to efficiently deliver products and services to our clients but will not sacrifice our ability to satisfy customer needs just to control current expenses.”

At September 30, 2003, loans totaled $921.4 million, up $70.5 million since year-end 2002, due mainly to loans acquired in the Kentucky Bancshares acquisition. In addition, Peoples has internally generated nearly $55 million of commercial loans since year-end 2002, partially offsetting declines in real estate and consumer loans. Throughout 2003, real estate loan balances have declined, due in part to Peoples’ increased mortgage banking activities and related selling of loans into the secondary market, while consumer loan balances continue to drop due to the combination of a decrease in demand and Peoples’ focus on loan quality. During the third quarter of 2003, total loans grew nearly $5 million, as commercial loan growth exceeded the declines in consumer and real estate loans.

Nonperforming loans comprised 0.61% of total loans at September 30, 2003 and nonperforming assets comprised 0.39% of total assets, versus 0.88% and 0.55%, respectively, at year-end 2002. In the third quarter of 2003, Peoples’ provision for loan losses was $920,000, down from $935,000 in the prior quarter and down 22% from $1,182,000 a year ago, due to Peoples’ good asset quality. At September 30, 2003, the allowance for loan losses was $14.4 million compared to $13.1 million at year-end 2002, with nearly half of the increase being the result of the allowance for loan losses acquired in the Kentucky Bancshares acquisition.

“Maintaining superior asset quality has always been an important objective for Peoples, especially in times of economic uncertainty,” stated Bradley. “We are pleased with the overall improvement in our asset quality which reflects a 24% decline in nonperforming loans since year-end 2002. Our loan review programs should continue to identify problem loans in a timely manner which should help us to control future losses and maintain our low nonperforming asset levels.”

In the third quarter of 2003, net loan chargeoffs were $648,000, a 37% decline from $1,024,000 a year ago, which is attributable to fewer troubled commercial loans. Consumer loans, which include overdrafts, comprise the largest portion of net chargeoffs, totaling $370,000 and $474,000 for the three months ended September 30, 2003 and 2002, respectively. Commercial loan net chargeoffs were $39,000 for the third quarter of 2003, down from $374,000 for 2002’s third quarter, while real estate net chargeoffs totaled $176,000 and $123,000 for the same periods, respectively.

“Overall, we are pleased with our third quarter results and short-term performance,” summarized Bradley. “We are optimistic that recent strategic initiatives will allow us to produce additional benefits for our customers, associates, and shareholders.”

As previously announced, Peoples will close its Catlettsburg, Kentucky, office later this month due to the proximity of Peoples Bank’s full-service office in Ashland. This office closing will allow Peoples to serve customers in this market more efficiently and provide conveniences, such as drive-in service and an ATM. Management does not expect this closure to have a material impact to Peoples’ results of operations or financial position.

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 Peoples Bank’s 50 sales offices and 33 ATMs in Ohio, West Virginia, and Kentucky. 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 or enroll in Peoples' Internet banking product at www.peoplesbancorp.com .

Conference Call to Discuss Earnings:
Peoples will conduct a facilitated conference call to discuss third quarter results of operations on October 16, 2003, at 4:00 p.m. EST, with members of Peoples’ executive management participating. Analysts, media and individual investors are invited to participate in the conference call by calling (877) 735-0939. A webcast of the call can be accessed via the home page and/or Investor Relations section of www.peoplesbancorp.com . Participants are encouraged to call or sign in at least 15 minutes prior to the scheduled conference call time to ensure participation or download and install the necessary software. A replay of the call will be available on Peoples’ website for 30 days.

Safe Harbor Statement:
Except for the historical and present factual information contained in this press release, the matters discussed in this press release, and other statements identified by words such as “expects,” “believes,” “plans,” and similar expressions are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including, but not limited to, the interest rate environment, the effect of federal and state banking and tax regulations, the effect of technological changes, the effect of economic conditions, the impact of competitive products and pricing, and other risk factors relating to the banking industry or Peoples as detailed from time to time in Peoples’ reports filed with the SEC. Although management believes that the expectations in these forward-looking statements are based on reasonable assumptions within the bounds of management’s knowledge of Peoples’ business and operations, it is possible that actual results may differ materially from these projections. Peoples disclaims any responsibility to update these forward-looking statements, except as may be required by applicable laws.

Please click here to request a copy of the complete earnings release.

PEOPLES BANCORP NAMED ONE OF
AMERICA’S FINEST COMPANIES®
_________________________________________________

September 2, 2003
Contact: Robert E Evans, Chairman and CEO
(740) 373-3155

MARIETTA, Ohio – Peoples Bancorp (Nasdaq: PEBO) was recently recognized in the 13th annual edition of America’s Finest Companies®, an investment directory of all publicly traded US companies with at least 10 consecutive years of higher earnings and/or dividends per share.

“We are again honored to be a part of this select group of companies,” commented Robert E. Evans, Peoples Bancorp’s Chairman and CEO. “It recognizes all of Peoples’ associates for our continuing drive to grow shareholder value through integrated financial service solutions.”

Only the top 2% of the 19,000+ publicly traded US companies make the list of America’s Finest Companies®. The directory is published annually by Bill Staton, Chairman of the Staton Institute in Charlotte, North Carolina, (704) 365-2122.

Peoples Bancorp was also named to the “Super 50 Team”, reserved for companies with a combined total of at least 50 years of higher earnings and dividends per share. Only 19 companies received this elite distinction, representing just 0.1% of all publicly traded US companies. Peoples was ranked 4th in the nation, with consecutive earnings per share growth of 29 years and annual dividend growth of 37 straight years.

Peoples Bancorp Inc., a diversified financial products and services company with $1.86 billion in assets, makes available a complete line of banking, investment, insurance, and trust solutions through Peoples Bank’s 50 sales offices and 33 ATMs in Ohio, West Virginia, and Kentucky. Peoples’ common shares are traded on the NASDAQ national market under the symbol “PEBO.” 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

PEOPLES BANCORP DECLARES 5% STOCK DIVIDEND;
INCREASES CASH DIVIDEND TO $0.17 PER SHARE
____________________________________________________

August 15, 2003
Contact: John W Conlon, Chief Financial Officer
(740) 373-3155

MARIETTA, Ohio - The Board of Directors of Peoples Bancorp Inc. (Nasdaq: PEBO) yesterday declared a 5% stock dividend to be issued August 29, 2003, to common shareholders of record on that date. Fractional shares will be paid in cash based on the closing price of Peoples Bancorp’s common stock on August 29, 2003.

Peoples’ Board of Directors also increased the quarterly cash dividend to $0.17 per share to be paid on existing and new shares. This represents an effective increase in the cash dividend of 11.6% and will be paid on October 1, 2003, to shareholders of record at September 15, 2003.

“We believe the 5% stock dividend, combined with our long history of consistent cash dividend growth, are effective methods to reach our goals for enhanced shareholder return,” commented Robert E. Evans, Chairman and CEO. “The additional stock and cash reward our shareholders for their ongoing support and reflects our positive future outlook.”

At August 7, 2003, Peoples Bancorp had approximately 10,164,000 shares outstanding. Including the 5% stock dividend to be paid on August 29, 2003, Peoples has issued 14 stock splits or dividends since 1981. During this time, Peoples has grown one share of stock to 22 shares and continued raising its cash dividend each year to the current annualized rate of $0.68 per share.

Peoples Bancorp Inc., a diversified financial products and services company with $1.86 billion in assets, makes available a complete line of banking, investment, insurance, and trust solutions through Peoples Bank’s 50 sales offices and 33 ATMs in Ohio, West Virginia, and Kentucky. Peoples’ common shares are traded on the NASDAQ national market under the symbol “PEBO.” 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

PEOPLES BANCORP HIRES CONTROLLER AND CHIEF ACCOUNTING OFFICER
_________________________________________________

August 8, 2003
Contact: John W Conlon, Chief Financial Officer
(740) 373-3155

MARIETTA, Ohio - Peoples Bancorp Inc. (Nasdaq: PEBO) announced the recent hiring of Donald J. Landers, Jr. as Controller and Chief Accounting Officer. Landers is responsible for all administrative aspects of the accounting, treasury, and finance areas of Peoples Bancorp and its primary subsidiary, Peoples Bank.

“Don’s experience in all financial aspects, especially in financial service companies, will help us continue to meet the demanding requirements of being a publicly traded company,” said Jack Conlon, CFO for Peoples Bancorp and Peoples Bank. “Don’s strengths are an asset to our leadership team and prepares us well for future growth and expansion.”

Landers will also work on short and long-term financial forecasts, profitability analyses, and capital management initiatives for the company. In addition, he will oversee and work closely with external reporting and investor relations communications.

Landers has 13 years experience in the finance area of financial services organizations, and is a Certified Public Accountant. Most recently he was employed as a VP of Finance for a regional bank holding company. Landers is a graduate of Marietta College and resides with his family in the Marietta area.

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 Peoples Bank’s 50 sales offices and 33 ATMs in Ohio, West Virginia, and Kentucky. Peoples’ common shares are traded on the NASDAQ national market under the symbol “PEBO.” Peoples Bancorp is a member of the Russell 3000 index of US publicly traded companies. Learn more about Peoples at www.peoplesbancorp.com.

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PEOPLES BANK TO EXPAND TO FULL-SERVICE
BANKING LOCATION IN LANCASTER
_______________________________________________

July 17, 2003
Contact: Mark F Bradley, President and CEO
(740) 373-3155

Lancaster, OH – Peoples Bank, a subsidiary of Peoples Bancorp Inc. (Nasdaq: PEBO), today announced the planned expansion of its Lancasterloan production office to a full-service business banking facility. The new office, to be located at 117 West Wheeling Street, will offer deposit products for business clients, and will eventually expand into mortgage banking, insurance and investment services.

“The loan production office has exceeded our expectations,” said Mark Bradley, Peoples Bank’s President and Chief Operating Officer. “With over $50 million in loans and the potential for more business opportunities in the greater Lancaster area, the new location gives us a chance to expand our current operations at a convenient location with easy access and more parking.”

John Hock, Vice President of Peoples Bank since 1999, will serve business customers from the Lancaster location. The new office will also offer businesses deposit facilities and cash management capabilities.

“Our plan is to have the new office location available for clients by the end of September,” Bradley noted. “John’s leadership and experience will allow Peoples Bank to continue expanding our products and services for our business clients in Fairfield County and surrounding markets.”

Fairfield County forms the southeastern portion of the greater Columbus area of Ohio. Strong population growth and economic diversity has made central Ohio one of the fastest growing regions in the state. Peoples Bank also has a Fairfield County office in Baltimore.

“Expanding our presence in stronger markets is one of Peoples Bank’s strategic action items,” continued Bradley. “We think the new Lancaster office will be better equipped to serve the business and mortgage loan needs of central Ohio.”

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PEOPLES BANCORP INC. REPORTS
SECOND QUARTER RESULTS
___________________________________________________

July 15, 2003
Contact: Jack Conlon, Chief Financial Officer
(740) 373-3155

MARIETTA, Ohio - Peoples Bancorp Inc. (Nasdaq: PEBO) announced net income of $5,439,000 for the second quarter of 2003, up 14% from $4,763,000 a year ago and up 8% from $5,014,000 for the first quarter of 2003. Diluted earnings per share were $0.54 for the second quarter of 2003 versus $0.59 for the same period last year and $0.51 the first quarter of 2003. For the six months ended June 30, 2003, net income totaled $10,453,000, representing an 11% increase over the $9,456,000 earned a year ago. Earnings per diluted share were $1.05 for the six months ended June 30, 2003, versus $1.18 for the first six months of 2002.

Peoples’ increased net income in 2003 is due in large part to additional net interest income resulting from an investment growth strategy implemented in the first quarter of 2003, while lower earnings per share is attributable to significant volumes of assets repricing downward, as well as additional common shares outstanding, in part due to the issuance of 593,000 common shares in the second quarter of 2003 as partial consideration in the Kentucky Bancshares, Incorporated acquisition. In addition, Peoples recognized merger-related costs of approximately $215,000 after-tax (or $0.02 per share) relating to this acquisition.

“We are pleased to report some earnings improvement in the second quarter,” said Robert E. Evans, Peoples’ Chairman and CEO. “While interest rate and economic challenges remain, we continue to explore opportunities to enhance Peoples’ financial performance and work to build long-term relationships with new clients added from the Kentucky Bancshares acquisition.”

During the second quarter, Peoples completed its acquisition of Kentucky Bancshares, Incorporated, the holding company of Kentucky Bank & Trust. As part of the transaction, Peoples acquired five full-service offices in Kentucky’s Boyd and Greenup Counties, with loans of $75 million, deposits of $113 million and trust assets under management of $181 million. The former Kentucky Bank & Trust offices now operate as sales offices of Peoples Bank. Management expects this acquisition to positively impact Peoples’ earnings, due in part to enhanced future efficiencies through cost savings resulting from the closure of Peoples Bank’s existing Russell, Kentucky office concurrent with the acquisition and the planned closure of Peoples Bank’s Catlettsburg, Kentucky office in October 2003. These office closings are primarily due to the proximity of the newly acquired offices in Russell and Ashland, Kentucky, which will continue to serve these markets.

In the second quarter of 2003, net interest income grew to $14,161,000, from $13,643,000 last quarter and $12,511,000 a year ago. Net interest margin was 3.64% in the second quarter of 2003 versus 3.87% and 4.54% for the first quarter of 2003 and second quarter of 2002, respectively. On a year-to-date basis through June 30, 2003, net interest income totaled $27,804,000 and net interest margin was 3.74% compared to $24,670,000 and 4.53% for the same period in 2002. In the first quarter of 2003, Peoples implemented an investment growth strategy to offset the dilutive impact of the 1.7 million new common shares issued in late 2002 and early 2003, which accounted for a significant portion of the increase in net interest income in 2003, but also contributed to compression of net interest margin.

“We continue to experience significant volumes of principal runoff from the loan and investment portfolios which must be reinvested at lower rates,” said Jack Conlon, Peoples’ Chief Financial Officer. “In addition, there is limited ability for a corresponding decrease in rates paid on interest-bearing liabilities, further challenging both net interest income and margin. However, we remain focused on minimizing the impact of interest rate changes on Peoples’ earnings.”

For the quarter ended June 30, 2003, non-interest income was $4,547,000, up 25% from $3,633,000 for the same period last year. On a year-to-date basis, non-interest income totaled $8,482,000 through June 30, 2003, compared to $6,916,000 last year. Peoples’ enhanced non-interest income was primarily the result of higher deposit service charge income, with revenues from Peoples’ e-banking services, mortgage banking income and fiduciary activities also contributing to the increase.

“Recent acquisitions, coupled with growth of our mortgage banking activities, have generated additional non-interest revenues compared to the first half of 2002,” commented Mark Bradley, Peoples’ Chief Operating Officer. “Recognizing the importance of non-interest revenues in this challenging interest rate environment, we believe the Kentucky Bancshares acquisition affords us opportunities to expand product offerings and services in our Kentucky markets.”

Deposit account service charges totaled $2,052,000 in the second quarter of 2003 and $3,777,000 for the six months ended June 30, 2003, increases of 23% and 24%, respectively, compared to the same periods in 2002. These increases resulted from a combination of higher volumes of overdraft and non-sufficient funds fees and an increased number of checking accounts attributable to acquisitions and Peoples’ Free Checking campaign. E-banking revenues grew 28% from a year ago, totaling $529,000 for second quarter of 2003, as customers increasingly complete more of their transactions using Peoples’ debit cards. On a year-to-date basis, electronic banking revenues were $983,000 in 2003 versus $782,000 in 2002. As a result of the Kentucky Bancshares acquisition, Peoples’ fiduciary revenues improved to $858,000 for the second quarter of 2003 and $1,444,000 for the six months ended June 30, 2003, compared to $640,000 and $1,256,000 for the same periods in 2002. Peoples’ mortgage banking activities produced revenues of $337,000 and $567,000 for the three and six months ended June 30, 2003, respectively, versus no income in the same periods last year as Peoples did not sell loans into the secondary market during that period.

“In recent periods, fees generated as a result of customers using Peoples' debit card has enhanced non-interest income,” added Bradley. “However, as a result of recent litigation, MasterCard and Visa have implemented new rules that are expected to reduce fees earned on signature-based debit card transactions beginning in August. This adjustment will modestly reduce Peoples' non-interest income based on current transaction volumes.”

Non-interest expense was $10,042,000 in the second quarter of 2003, up 17% compared to $8,549,000 for the same period in 2002 largely attributable to acquisitions and strategic initiatives. Salaries and benefits, Peoples’ largest non-interest expense, totaled $4,827,000 for the quarter ended June 30, 2003, an increase of 11% from a year ago due primarily to Peoples adding several new associates in conjunction with acquisitions. Marketing expense totaled $379,000 in the second quarter of 2003 versus $150,000 a year ago, with costs associated with Peoples’ new Freedom Checking product accounting for over half of the increase. Occupancy and equipment costs increased 18%, as acquisitions and investments in technology produced additional depreciation expense in 2003, while intangible amortization more than doubled from a year ago, also due to acquisitions. Compared to the first quarter of 2003, non-interest expense was up 3% in the second quarter of 2003, with salaries and benefits and marketing costs comprising the majority of the increase. On a year-to-date basis, non-interest expense totaled $19,746,000 and $17,227,000 through June 30, 2003 and 2002, respectively.

Total deposits grew $187.5 million since December 31, 2002, reaching $1.14 billion at June 30, 2003. The majority of this growth is the result of acquiring $113 million of deposits in the Kentucky Bancshares acquisition. In the acquisition, non-interest bearing deposits increased mainly due to an acquired trust relationship that was liquidated on June 30, 2003. The liquidation resulted in $60 million of non-interest bearing deposits on June 30, 2003, that were subsequently withdrawn. Average deposit balances grew $81.3 million in the second quarter of 2003, totaling $1.03 billion versus $951.5 million last quarter.

At June 30, 2003, loans totaled $916.6 million, up $65.7 million since year-end 2002. While this increase is primarily attributable to loans acquired in the Kentucky Bancshares acquisition, Peoples also experienced organic commercial loan growth of nearly $35 million since year-end 2002. Real estate loan balances have declined throughout the year in response to customer demand for long-term, fixed-rate mortgages sold into the secondary market. Consumer loan balances continue to drop as a result of both a decrease in demand and Peoples’ focus on loan quality, more than loan growth.

“The current economic conditions require us to remain focused on asset quality as we strive to grow loans,” stated Bradley. “Our loan review process continues to identify problem loans in a timely manner which allows us to reduce future losses and keep asset quality ratios better than year-end 2002 levels.”

Nonperforming loans comprised 0.62% of total loans at June 30, 2003 and nonperforming assets comprised 0.35% of total assets, versus 0.88% and 0.55%, respectively, at year-end 2002. These improvements were a result of a lower level of nonperforming loans and an increase in assets. Since December 31, 2002, nonperforming loans have declined 24%, with reduced renegotiated loan balances comprising the majority of the improvement, while total assets increased 33% as a result of the Kentucky Bancshares acquisition and the investment leverage strategy completed in the first quarter of 2003. The allowance for loan losses was $14.2 million at June 30, 2003, compared to $13.1 million at year-end 2002, with the majority of the increase due to the allowance for loan losses of $0.6 million acquired in the Kentucky Bancshares acquisition. Peoples’ provision for loan losses was $935,000 in the second quarter of 2003, up from $831,000 in the prior quarter and down from $980,000 a year ago.

In the second quarter of 2003, net loan chargeoffs were $720,000, a 27% decline from $983,000 a year ago. While commercial and consumer loans, including overdraft chargeoffs, comprise the largest portion of net chargeoffs, the lower level of chargeoffs in the second quarter of 2003 is attributable to fewer troubled commercial loans, as net commercial loan chargeoffs totaled $210,000 in the second quarter of 2003 compared to $690,000 a year ago. Consumer loan chargeoffs totaled $189,000 and $68,000 for the three months ended June 30, 2003 and 2002, respectively, while chargeoffs relating to the Overdraft Privilege program totaled $150,000 and $147,000 for the same periods, respectively.

Late in the second quarter of 2003, management initiated a plan to improve the performance of Peoples’ investment securities portfolio in response to the high rate of prepayments on mortgage-backed securities and the corresponding downward pressure on yields due to accelerated amortization of bond premiums. As part of this plan, Peoples sold $48.6 million of mortgage-backed securities resulting in a net of loss of $37,000. Management expects to sell additional securities in July and reinvest all the proceeds from these sales into other securities by the end of July. Peoples expects the repositioning to improve both cash flows and yields from this portfolio. The combination of the timing of the reinvestment of sale proceeds into other investment securities and the $60 million of funds from the trust relationship resulted in a higher level of cash and cash equivalents. At June 30, 2003, cash and cash equivalents totaled $155.2 million, up $99.7 million since year-end; with additional Federal funds sold accounting for the majority of the increase.

“Overall, our second quarter results demonstrate our ability to deliver solid earnings despite challenging conditions,” summarized Bradley. “In the second half of 2003, we will continue to develop client relationships with the objective of enhancing Peoples’ long-term value for every stakeholder.” Peoples Bancorp Inc., a diversified financial products and services company with $1.86 billion in assets, makes available a complete line of banking, investment, insurance, and trust solutions through Peoples Bank’s 50 sales offices and 33 ATMs in Ohio, West Virginia, and Kentucky. 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 or enroll in Peoples' Internet banking product at www.peoplesbancorp.com .

Conference Call to Discuss Earnings:
Peoples will conduct a facilitated conference call to discuss second quarter results of operations on July 16, 2003, at 4:00 p.m., local time, with members of Peoples’ executive management participating. The conference call, consisting of brief opening remarks followed by a question and answer period, is open to the public; however, management asks that questions be limited to investment analysts, interested members of the media and shareholders. To participate, please dial (877) 735-0939 approximately five minutes before the scheduled start of the conference call. A complete transcript of the conference call will be placed on peoplesbancorp.com on the “Investor Relations” page in “Conference Call Transcripts” section under the caption “July 16, 2003”.

Please click here to request a copy of the complete earnings release.

PEOPLES BANCORP LISTED AMONG TOP 100 IN OHIO
____________________________________________

July 7, 2003
Contact: Robert E Evans, Chairman and CEO
(740) 373-3155

MARIETTA, Ohio - Peoples Bancorp Inc. (Nasdaq: PEBO) was recently recognized by The Cleveland Plain Dealer as one of the Top 100 businesses in Ohio, placing 37th on this year’s list.

Each year The Plain Dealer honors the top 100 performing publicly traded companies with headquarters in Ohio, ranking companies by several measures of performance and size such as last year’s revenues, and three-year measurements of revenue and net income growth, as well as total shareholder return, return on average equity, and other key performance indicators.

“It is an honor to be recognized among the best,” commented Robert E. Evans, Peoples Bancorp’s Chairman and CEO. “This recognition is a credit to the efforts of all our associates who continue to deliver quality financial products to our growing customer base.”

In 2002, Peoples reported its 29th consecutive year of increased earnings, as net income reached $18.8 million and return on shareholders equity exceeded 17%. Peoples Bancorp has also increased its annual dividend to shareholders for 37 consecutive years. Assuming dividend reinvestment, total return to shareholders on a 10-year compounded basis is 14.5%.

Among the Top 100 in Ohio, Peoples Bancorp’s 53.5% increase in 2002 stock price also placed 5th on the list of greatest stock price gainers.

“In these times of market uncertainty, I think investors like our consistent performance and uncomplicated strategies,” Evans continued. “We will continue to invest in financial solutions that benefit our customers, associates, and shareholders.”

On July 15, 2003, Peoples Bancorp will release its results of operations for the quarter ended June 30, 2003. A conference call will be conducted to discuss second quarter earnings on July 16, 2003, at 4:00 pm (EDT). The call is open to the public and can be accessed by calling 877-735-0939.

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 Peoples Bank’s 50 sales offices and 33 ATMs in Ohio, West Virginia, and Kentucky. Peoples’ common shares are traded on the NASDAQ national market under the symbol “PEBO.” Peoples Bancorp is a member of the Russell 3000 index of US publicly traded companies. Learn more about Peoples at www.peoplesbancorp.com .

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PEOPLES BANK TO CLOSE OFFICE IN CATLETTSBURG, KENTUCKY
____________________________________________________

June 30, 2003
Contact: Robert E Evans, Chairman and CEO
(740) 373-3155

Marietta, Ohio – Peoples Bank, a subsidiary of Peoples Bancorp Inc. (Nasdaq: PEBO), today announced plans to close its Catlettsburg, Kentucky, office in October 2003. The office closing will occur primarily due to the proximity of Peoples Bank’s full-service office in nearby Ashland.

“With our new office in Ashland, this is the best way to efficiently and effectively serve our customer base in Boyd County,” said Mark F. Bradley, Peoples Bank’s President and Chief Operating Officer. “The Ashland office offers drive-in service and an ATM, which are not available at our current Catlettsburg facility.”

Peoples Bank acquired the Catlettsburg office in 1997 from the former Catlettsburg Federal Savings Bank. The office is located at 2717 Louisa Street and employs four associates.

“We continue to analyze our sales and delivery channels,” continued Bradley. “The Catlettsburg office is not well-suited to providing access and convenience demanded in today’s banking environment. The market is growing north along State Route 23, and our Ashland location offers a wider array of financial services, from deposits to loans to investment and trust services.”

Cost savings are not expected to be significant, but the planned action will streamline Peoples Bank’s office locations and optimize efficiencies. After the Catlettsburg office closing, Peoples Bank will have 7 full-service locations in Boyd, Greenup, and Carter Counties in eastern Kentucky.

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 Peoples Bank’s 50 sales offices and 33 ATMs in Ohio, West Virginia, and Kentucky. Peoples’ common shares are traded on the NASDAQ national market under the symbol “PEBO.” Peoples Bancorp is a member of the Russell 3000 index of US publicly traded companies. Learn more about Peoples at www.peoplesbancorp.com.

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PEOPLES BANCORP APPOINTS
CHAIRMAN OF THE BOARD
____________________________________________________

June 18, 2003
Contact: Robert E Evans, President and Chief Executive Officer
(740) 373-3155

Marietta, Ohio – The Board of Directors of Peoples Bancorp Inc. (Nasdaq: PEBO) announced that Robert E. Evans, President and Chief Executive Officer, will be appointed Chairman of the Board effective July 1, 2003. Joseph H. Wesel, Chairman of the Board since 1991, will continue to serve as a director and will assume the role of Vice Chairman.

“Mr. Wesel’s leadership and commitment to growing shareholder value are examples for all of us to follow,” commented Evans. “We are pleased that he will continue to serve on Peoples Bancorp’s and Peoples Bank’s Board of Directors, where he has served for nearly 30 years. During that time, we have grown from $70 million in assets to $1.8 billion, and from 5 offices to 50 locations to better serve all the financial needs of our customers.”

Also at its regular Board meeting in June, the Board of Directors appointed Mark F. Bradley Chief Operating Officer of Peoples Bancorp effective July 1, 2003. Bradley has served as an Executive Vice President of Peoples Bancorp since January 2001, and has been Peoples Bank’s President and Chief Operating Officer since July 1, 2002. Mr. Bradley also serves as a director of Peoples Bancorp and Peoples Bank.

In other news, on July 15, 2003, Peoples Bancorp will release its results of operations for the quarter ending June 30, 2003. A conference call will be conducted to discuss second quarter earnings on July 16, 2003, at 4:00 pm (EDT). The call is open to the public and can be accessed by calling 877-735-0939.

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 Peoples Bank’s 50 sales offices and 33 ATMs in Ohio, West Virginia, and Kentucky. Peoples’ common shares are traded on the NASDAQ national market under the symbol “PEBO.” Peoples Bancorp is a member of the Russell 3000 index of US publicly traded companies. Learn more about Peoples or enroll in Peoples Bank’s internet banking service at www.peoplesbancorp.com .

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PEOPLES BANCORP COMPLETES ACQUISITION
OF KENTUCKY BANCSHARES INCORPORATED
____________________________________________________

May 12, 2003
Contact: Robert E Evans, President and Chief Executive Officer
(740) 373-3155

Marietta, Ohio – Peoples Bancorp Inc. (Nasdaq: PEBO) announced its acquisition of Kentucky Bancshares Incorporated (“Kentucky Bancshares”) as of the close of business on Friday, May 9, for a total purchase price of approximately $29.1 million. Approximately half of the transaction value will be paid in cash and half in Peoples Bancorp common shares.

First announced in December 2002, the completed acquisition included the merger of Kentucky Bancshares’ subsidiary, Kentucky Bank & Trust, into Peoples Bank (a subsidiary of Peoples Bancorp). As a result of the merger, the five full-service banking centers of Kentucky Bank & Trust, located in the northeastern Kentucky communities of Ashland, Russell, Flatwoods, Greenup, and South Shore, will operate as financial service offices of Peoples Bank. The transaction included 3 ATMs, increasing Peoples Bank’s total ATMs to 33.

“After several months of hard work and preparation, we are ready to serve the financial needs of our new customers,” said Robert Evans, Peoples Bancorp’s President and CEO. “Kentucky Bank & Trust has a good customer base and a strong franchise, with capable leadership and associates dedicated to customer service. The transition teams deserve a lot of credit for preparing Peoples Bank to serve the financial needs of Boyd, Greenup, and Carter Counties.”

The transaction is expected to be immediately accretive to Peoples’ earnings due to cost savings and improved efficiencies. Concurrent with the Kentucky Bancshares acquisition, Peoples Bank closed its Russell office at 404 Ferry Street (acquired in 1997) due to proximity of Kentucky Bank & Trust’s Russell office. “Our focus is to be the leading provider of financial services in the markets we serve,” continued Evans. “We encourage local decision-making when practical and present familiar faces to the customer. This acquisition is a logical expansion of our community bank markets, and the new trust relationships make this even more appealing.”

Evans concluded, “This growth allows us again to expand our traditional banking business in markets that we find attractive, giving us new customers and prospects to whom we can offer life, health, car, home, and business insurance, plus additional investment services and more online banking capabilities.”

At April 30, 2003, Kentucky Bancshares had total assets of approximately $130 million, total loans of approximately $75 million, total deposits of approximately $105 million, and total trust assets under management of approximately $190 million. In this transaction, RBC Capital Markets advised Peoples Bancorp and Alex Sheshunoff and Company advised Kentucky Bancshares.

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 Peoples Bank’s 50 sales offices and 33 ATMs in Ohio, West Virginia, and Kentucky. Peoples’ common shares are traded on the NASDAQ national market under the symbol “PEBO.” Peoples Bancorp is a member of the Russell 3000 index of US publicly traded companies. Learn more about Peoples or enroll in Peoples Bank’s internet banking service at www.peoplesbancorp.com .

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PEOPLES BANCORP INCREASES QUARTERLY DIVIDEND
_______________________________________________

May 8, 2003
Contact: John W Conlon, Chief Financial Officer
(740) 373-3155

MARIETTA, Ohio - The Board of Directors of Peoples Bancorp Inc. (Nasdaq: PEBO) today declared a quarterly dividend of $0.16 per share. The second quarter dividend represents a 6.7% increase compared to the previous quarter and is payable July 1, 2003, to shareholders of record at June 13, 2003.

“The Board's decision to increase the quarterly cash dividend reflects our confidence in Peoples long-term earnings outlook,” said Robert E. Evans, Peoples’ President and CEO. “In addition, the increased dividend allows us to enhance shareholder return and position Peoples to continue our long history of dividend growth.”

Peoples Bancorp Inc., a diversified financial products and services company with $1.7 billion in assets, makes available a complete line of banking, investment, insurance, and trust solutions through Peoples Bank’s 46 sales offices and 30 ATMs in Ohio, West Virginia, and Kentucky. Peoples’ common shares are traded on the NASDAQ national market under the symbol “PEBO.” Peoples Bancorp is a member of the Russell 3000 index of US publicly traded companies. Learn more about Peoples at www.peoplesbancorp.com.

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PEOPLES BANCORP INC. REPORTS
FIRST QUARTER RESULTS
_______________________________________________

April 15, 2003
Contact: Jack Conlon, Chief Financial Officer
(740) 373-3155

MARIETTA, Ohio - Peoples Bancorp Inc. (Nasdaq: PEBO) announced net income of $5,014,000 for the first quarter of 2003, up 7% from $4,693,000 a year ago. Compared to the fourth quarter of 2002, net income grew 11% from $4,500,000. Diluted earnings per share were $0.51 for the first quarter of 2003 versus $0.59 for the same period last year and $0.54 for the fourth quarter of 2002. In the first quarter of 2002, Peoples purchased $7.0 million of trust preferred securities issued by PEBO Capital Trust I, at a significant discount, resulting in a nonrecurring after-tax gain of $410,000, or $0.05 per diluted share.

While net income increased for the current quarter primarily due to additional net interest income resulting from an investment growth strategy initiated in late 2002, the combination of assets repricing downward and efforts to lock in lower long-term rates on funding sources has reduced net margin earned from both the loan and investment portfolios resulting in lower earnings per share in the first quarter of 2003. Also, the issuance of 1.7 million of Peoples’ common shares in late 2002 and early 2003 had some impact to first quarter 2003 per share earnings, although most of the dilutive effect of the new shares outstanding was offset by the investment leverage strategy which was essentially completed in early February 2003.

“Our earnings, although lower than previous quarters on a per share basis, remain solid even as economic conditions and competitive factors have challenged the financial services industry,” said Robert E. Evans, Peoples’ President and CEO. “As we strive to create long-term stakeholder value, we also recognize the need for short-term performance. We remain committed to our core values that guide us in achieving future success and will not sacrifice long-term potential simply for the sake of short-term growth.”

Net income for the first quarter of 2002 reflects Peoples’ adoption of FASB Statement 147, “Acquisitions of Certain Financial Institutions” (“SFAS 147”), which was effective on October 1, 2002. Under SFAS 147, goodwill is no longer amortized, but is subject to annual impairment tests. This standard is applied retroactively and caused Peoples to restate amortization of goodwill on qualifying branch purchases of $274,000 in the first quarter of 2002.

Net interest income totaled $13,643,000 for the first quarter of 2003 compared to $12,190,000 last quarter and $12,159,000 for 2002’s first quarter. For the three months ended March 31, 2003, net interest margin was 3.87% versus 4.05% and 4.52% for the fourth and first quarters of 2002, respectively. In January 2003, Peoples purchased $260 million of mortgage-backed securities as part of an investment growth strategy to offset the dilutive impact of the new common shares issued in late 2002 and early 2003. The investment purchases were funded using a mix of short- and long-term borrowings totaling $245 million. This leverage program accounted for the majority of the increase in net interest income in 2003 but also contributed to compression of net interest margin.

“The sustained low interest rate environment has challenged net interest income and margin,” said Jack Conlon, Peoples’ Chief Financial Officer. “While we have taken steps to secure longer-term, fixed rate borrowings to lock in the low rates and eliminate our previous liability sensitive position, significant volumes of assets continue to reprice downward and compress net interest margin. Peoples’ current interest rate position should produce income growth when interest rates eventually increase.”

For the quarter ended March 31, 2003, non-interest income was $3,935,000, up 20% from $3,283,000 for the same period last year. The increase in non-interest income was primarily the result of higher deposit service charge income, with revenues from Peoples’ e-banking services, business owned life insurance (“BOLI”), and $230,000 of mortgage banking income also contributing to the increase. Deposit account service charges grew 26% in the first quarter of 2003 to $1,725,000 as compared to the first quarter of 2002, due to higher volumes of overdraft and non-sufficient funds fees, as well as an increased number of checking accounts attributable to acquisitions and Peoples’ Free Checking campaign. E-banking revenues increased 23% to $454,000 in first quarter of 2003, as customers increasingly complete more of their transactions using Peoples’ debit cards. BOLI produced tax-advantaged revenue of $365,000 in the first quarter of 2003, up 12% from a year ago. Compared to the fourth quarter of 2002, non-interest income was down $175,000 in the first three months of 2003.

Starting in the second half of 2002, Peoples began selling long-term, fixed rate real estate loans into the secondary market. As a result, Peoples recognized mortgage banking income of $230,000 for the three months ended March 31, 2003. Prior to the third quarter of 2002, Peoples primarily originated one- to five-year adjustable rate, fully amortizing real estate loans rather than long-term, fixed rate loans due to the associated interest rate risk. Peoples expects a continued focus on secondary market loan activity in 2003.

“Our strategic goals include to continue growing non-interest revenues,” commented Mark Bradley, President and Chief Operating Officer of Peoples Bank. “And while various factors, including the impact of the struggling equity markets on fiduciary and brokerage revenues, limited our ability to grow revenues in the first quarter, we believe Peoples’ needs-based approach to selling and the implementation of a customer relationship management system will provide our associates with additional opportunities to generate higher levels of fee-based income.”

Non-interest expense was $9,704,000 in the first quarter of 2003, up 12% compared to $8,677,000 for the first three months of 2002. Compared to the fourth quarter of 2002, non-interest expense grew 5% in the first quarter, from $9,261,000. Salaries and benefits, Peoples’ largest non-interest expense, totaled $4,724,000 for the quarter ended March 31, 2003, up 5% compared to $4,484,000 a year ago. This increase was largely due to the addition of several new associates and salary increases necessary to retain and recruit key personnel. Professional fees were up 47% in the first quarter of 2003 compared to a year ago, attributable in large part to costs associated with Peoples’ Overdraft Privilege program. Occupancy and equipment costs increased 19% as recent acquisitions and investments in technology produced additional depreciation expense in 2003.

“We will continue to invest in our associates and technology, as well as make acquisitions that allow us to generate additional revenue and serve our new and existing clients better,” said Bradley. “These investments have resulted in higher expenses in the first quarter compared to prior periods. We continue to evaluate every opportunity to control costs and improve short-term performance without sacrificing future opportunities and our ability to enhance Peoples’ long-term value.”

At March 31, 2003, loans totaled $861.1 million, up $10.2 million since year-end 2002. Commercial loan balances grew $30.3 million during the first quarter of 2003, while real estate and consumer loans declined $12.8 million and $6.8 million, respectively. The majority of the increase in commercial loans is attributable to lending opportunities within Peoples’ existing markets. Real estate loan balances have declined in response to customer demand for long-term, fixed-rate mortgages sold into the secondary market. Consumer loan balances continue to drop as a result of both a decrease in demand and Peoples’ focus on loan quality, more than loan growth, due to economic conditions.

“Loan growth remains a key to reaching our 2003 goals, but we also realize the importance of strong asset quality in these uncertain economic times,” stated Conlon. “We have dealt with the few troubled loan relationships which impacted asset quality in 2002. Our lenders will remain focused on generating loans which meet Peoples’ sound underwriting criteria.”

Nonperforming loans comprised 0.55% of total loans at March 31, 2003 and nonperforming assets comprised 0.34% of total assets, versus 0.88% and 0.55%, respectively, at year-end 2002. This improvement is due to a lower level of nonperforming loans and an increase in assets.

Conlon added, “In the first quarter of 2003, a large commercial loan on non-accrual status moved into other real estate owned, which provided improvement in Peoples’ loan quality ratios. We are confident our loan review process will continue to identify problems loans in a timely manner which should allow us to reduce future losses.”

Since December 31, 2002, nonperforming loans have declined 36%, with reduced renegotiated loan balances comprising the majority of the improvement, while total assets increased 20% as a result of the investment leverage strategy completed in the first quarter of 2003. The allowance for loan losses was $13.4 million at March 31, 2003, compared to $13.1 million at year-end 2002. Peoples’ provision for loan losses was $831,000 in the first quarter of 2003, down from $1,044,000 in the prior quarter and $861,000 a year ago.

“The decreased provision reflects the overall improvement in the quality of Peoples’ loan portfolio,” said Conlon. “In addition, provisions relating to the Overdraft Privilege program declined as losses begin to stabilize. Our evaluation of the adequacy for loan losses, loan growth and other factors affecting probable loan losses is ongoing, but we believe the current allowance for loan losses is adequate for the overall quality, inherit risk and loan volume concentrations in the loan portfolio.”

In the first quarter of 2003, net loan chargeoffs were $554,000 compared to $792,000 a year ago and $843,000 in the fourth quarter of 2002. Consumer and commercial loans comprised the largest portion of net chargeoffs. In the first quarter of 2003, net consumer loan chargeoffs totaled $201,000 compared to $218,000 and $167,000 for the first and fourth quarters of 2002, respectively, while commercial loan chargeoffs totaled $186,000, $381,000 and $448,000 for the same periods, respectively. Commercial loan chargeoffs were lower in the first quarter of 2003 as a result of Peoples charging down troubled loans last year to amounts deemed collectible. Chargeoffs relating to the Overdraft Privilege program totaled $117,000 in the first three months of 2003 versus $104,000 and $196,000 in 2002’s first and fourth quarters, respectively.

“Overall, our first quarter results reflect the challenges we faced in building upon the success of 2002,” summarized Evans. “Although various factors limited our ability to improve earnings per share, our focus remains on Peoples’ long-term earnings potential, and we believe Peoples is positioned for long-term growth and success.”

Peoples Bancorp Inc., a diversified financial products and services company with $1.7 billion in assets, makes available a complete line of banking, investment, insurance, and trust solutions through Peoples Bank’s 46 sales offices and 30 ATMs in Ohio, West Virginia, and Kentucky. 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 or enroll in Peoples' Internet banking product, at www.peoplesbancorp.com .

Conference Call to Discuss Earnings:
Peoples will conduct a facilitated conference call to discuss first quarter results of operations on April 16, 2003, at 3:00 p.m., local time, with members of Peoples’ executive management participating. The conference call, consisting of brief opening remarks followed by a question and answer period, is open to the public; however, management asks that questions be limited to investment analysts, interested members of the media and shareholders. To participate, please dial (877) 735-0939 approximately five minutes before the scheduled start of the conference call. A complete transcript of the conference call will be placed on peoplesbancorp.com on the “Investor Relations” page in “Conference Call Transcripts” section under the caption of “April 16, 2003”.

Please click here to request a copy of the complete earnings release.

PEOPLES BANK TO OPEN LOAN PRODUCTION OFFICE
IN DELAWARE, OHIO
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April 1, 2003
Contact: Mark Bradley, President and COO
(740) 373-3155

MARIETTA, Ohio – Peoples Bank, a subsidiary of Peoples Bancorp Inc. (Nasdaq: PEBO), announced today the opening of a loan production office in Delaware, Ohio.

The new office will focus primarily on serving the commercial credit needs of Delaware, Marion, Union, and Franklin Counties, plus surrounding areas. The new office is located at 351 West Central Avenue in Delaware.

“The central Ohio area is a vibrant economic market and we believe Peoples Bank can satisfy more of the loan demand in that expanding area,” commented Mark F. Bradley, Peoples Bank’s President and Chief Operating Officer. “With our other central Ohio loan production offices in Fairfield and Licking Counties, we think the new office in Delaware will give us more coverage in key economic markets.”

Terry Musick joins Peoples Bank as Vice President and will manage the Delaware lending operation. Musick has 9 years experience in financial services in the Delaware County area. He is a graduate of Ohio Dominican College and also has tax and accounting experience. Musick can be reached by calling 740-360-3647 or via e-mail tmusick@peoplesbancorp.com. He and his family reside in Marion County.

Peoples Bancorp Inc., a diversified financial products and services company with $1.6 billion in assets, makes available a complete line of banking, investment, insurance, and trust solutions through Peoples Bank’s 45 offices and 30 ATMs in Ohio, West Virginia, and Kentucky. 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 and its on online banking capabilities at www.peoplesbancorp.com .

END OF RELEASE

PEOPLES BANCORP INC. Authorizes Repurchase Of Common Stock
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March 11, 2003
Contact: John W Conlon, Chief Financial Officer
(740) 373-3155

MARIETTA, Ohio - The Board of Directors of Peoples Bancorp Inc. (Nasdaq: PEBO) today adopted a resolution authorizing the repurchase of up to 300,000 (or approximately 3% of Peoples’ outstanding common shares) from time to time in open market or privately negotiated transactions. The repurchases will be used for projected stock option exercises granted under Peoples’ stock option plans, projected purchases of common shares for Peoples’ deferred compensation plans, a portion of the consideration to be paid in common shares of Peoples for the Kentucky Bancshares Incorporated acquisition, and other general corporate purposes.

The timing of the purchases and the actual number of common shares purchased will depend on market conditions and limitations imposed by applicable federal securities laws. The stock repurchase plan is effective immediately and will expire December 31, 2003.

Peoples also announced it will hold a conference call to discuss its recent release regarding first quarter and 2003 earnings. The conference call will be held Friday, March 14, 2003, at 9:00 a.m. eastern standard time, with members of Peoples’ executive management participating. The conference call, consisting of brief opening remarks followed by a question and answer period, is open to the public; however, management asks that questions be limited to investors, investment analysts, and interested members of the media. To participate in the call, please dial (877) 735-0939 approximately five minutes before the scheduled start of the conference call. A complete transcript of the conference call will be placed on peoplesbancorp.com, in the “Investor Relations” section under “Conference Call Transcripts.”

Peoples Bancorp has filed with the Securities and Exchange Commission a Registration Statement on Form S-4 and other documents regarding the proposed business combination transaction referenced in this news release. This news release does not constitute an offer to sell or the solicitation of an offer to buy securities of Peoples Bancorp. Kentucky Bancshares shareholders are urged to read the Registration Statement, when it becomes available, because it will contain important information. A definitive proxy statement/prospectus will be sent to stockholders of Kentucky Bancshares seeking their approval of the proposed transaction. Shareholders of Kentucky Bancshares may obtain a free copy of the Registration Statement and proxy statement/prospectus (when it is available) and other documents filed by Peoples Bancorp with the Commission at the Commission’s web site at www.sec.gov (this uniform resource locator, or URL, is an inactive textual reference only). The proxy statement/prospectus and these other documents may also be obtained without charge by Kentucky Bancshares shareholders by directing a request to Peoples Bancorp Inc., 138 Putnam Street, P.O. Box 738, Marietta, Ohio 45750, Attn.: Investor Relations.

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PEOPLES BANCORP INC. ANNOUNCES EARNINGS EXPECTATIONS
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March 11, 2003
Contact: John W Conlon, Chief Financial Officer
(740) 373-3155

MARIETTA, Ohio - Peoples Bancorp Inc. (“Peoples”)(NASDAQ: PEBO) today announced that it expects earnings in the first quarter of 2003 to approximate $0.51 per diluted share. Earnings per share are expected to be lower due to net interest margin pressures, slowing economic conditions impacting Peoples’ ability to grow loan volume, increasing turnover of investments reinvested at lower yields and a continuing high level of loan refinancing. Earnings per diluted share were $0.59 in the first quarter of 2002, which included $0.06 of nonrecurring gains (net of taxes).

“The combination of assets repricing downward and locking in longer-term, fixed rate borrowings in this very low rate environment has slowed our ability to grow short term earnings,” commented Robert E. Evans, President and CEO. “In addition, we have seen over $20 million of investments mature, be called or be prepaid with reinvestment of those proceeds at lower yields. Improving on our record-setting 2002 results is a big challenge, and margin pressures are not helping matters in the short term.”

Jack Conlon, Chief Financial Officer, commented, “In the first quarter, we anticipate non-interest income growth will be flat compared to the fourth quarter of 2002, as the struggling equity markets continue to hold down fiduciary revenue opportunities, and annuity sales and deposit service charges have stabilized. Our asset quality remains strong, and we continue to look at opportunities for controlling current expenses in this slower economy.”

Peoples expects non-interest expense will increase in the first quarter of 2003 by 4% to 5% compared to the fourth quarter of 2002. “We are looking at different alternatives in the near-term to reduce funding costs and operating expenses,” added Conlon. “Some contractual expenses will be reduced in the second quarter of 2003. In this slower economy, we are looking at every opportunity to control costs without sacrificing our future opportunities.” Evans continued, “We are now asset sensitive, and continue to position our company for long-term growth and the inevitable increase in interest rates. In 2003, especially with current economic conditions and the very low interest rate environment, we expect earnings to approximate the 2002 results. If interest rates increase, our profitability will likely improve. Until then, we will continue to execute on our strategies and make investments that deliver long-term value to our shareholders. Our long-term earnings per share growth goal remains 10%.”

Peoples expects to release first quarter results of operations on April 15, 2003. A conference call to discuss earnings is currently planned for April 16, 2003.

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Peoples Bancorp Inc., a diversified financial products and services company with $1.6 billion in assets, offers a complete line of banking, investment, insurance, and trust solutions through Peoples Bank’s 45 offices and 30 ATMs in Ohio, West Virginia, and Kentucky. Peoples Bancorp Inc. shares are traded on The NASDAQ National Market under the symbol “PEBO” and is a member of the Russell 3000 index.

Safe Harbor Statement:
The statements in this press release which are not historical fact are forward-looking statements that involve a number of risks and uncertainties, including, but not limited to, the interest rate environment, the effect of banking and tax regulations, the effect of economic conditions, the impact of competitive products and pricing, and other risks detailed in Peoples’ SEC filings. Although management believes that the expectations in these forward-looking statements are based on reasonable assumptions within the bounds of management's knowledge of Peoples’ business and operations, it is possible that actual results may differ materially from these statements.

END OF RELEASE

PEOPLES BANCORP TO PRESENT AT MIDWEST 2003
SUPER-COMMUNITY BANK CONFERENCE
____________________________________________

February 19, 2003
Contact: Robert E Evans, President and CEO
(740) 373-3155

MARIETTA, Ohio - Peoples announced the company will make an investor presentation at the sixth annual Midwest 2003 Super-Community Bank Conference on February 25-26, 2003, in Chicago, Illinois.

Twenty-two of the leading small and mid-cap banks in the Midwest are sponsoring the annual conference for the benefit of institutional investors and analysts from leading brokerage firms.

Peoples is scheduled to present Wednes