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):    February 29, 2000
                                                   -------------------



                                 PEOPLES BANCORP

             (Exact name of Registrant as Specified in its Charter)



       Indiana                           000-18991               35-1811284
--------------------------------------------------------------------------------
(State or Other Jurisdiction           (Commission             (IRS Employer
     of Incorporation)                 File Number)          Identification No.)


212 West 7th Street, Auburn, Indiana                                    46706
--------------------------------------------------------------------------------
(Address of Principal Executive Offices)                              (Zip Code)


Registrant's telephone number, including area code:    (219) 925-2500
                                                     ----------------



                                 Not Applicable

          (Former Name or Former Address, if Changed Since Last Report)



<PAGE>



Item 2.  Acquisition or Disposition of Assets

         On February  29, 2000,  the  Registrant  completed  the merger of Three
Rivers Financial  Corporation  with and into Registrant.  Information as to this
transaction was previously reported in the Registrant's  Registration  Statement
on Form S-4,  Registration  Number  333-92335,  which is incorporated  herein by
reference (the "Proxy/Prospectus"). For a discussion of the terms and conditions
of the transaction, reference is made to the Proxy/Prospectus.

         Upon  consummation  of the  merger,  each  outstanding  share of common
stock,  $0.01 par value per share,  of Three Rivers  Financial  Corporation  was
converted into the right to receive 1.08 shares of Peoples Bancorp common stock,
$1.00  par  value  per  share,  in an  exchange  intended  to be tax free to the
shareholders,  except  to the  extent  of any  cash  received  in  exchange  for
fractional  shares.  Cash  will be  paid  for  fractional  shares  in an  amount
determined by multiplying the fractional  interest by $13.75, the average of the
closing  prices  per  share of the  Registrants  common  stock for the five full
trading days immediately  preceding  February 29, 2000, the closing date. On the
closing date, Three Rivers' former wholly-owned subsidiary,  First Savings Bank,
A Federal Savings Bank,  became a wholly-owned  subsidiary of the Registrant and
will be operated under its current name.

Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits

         (a)      Financial Statements of Business Acquired.

                  1.  The  financial   statements  of  Three  Rivers   Financial
         Corporation are hereby  incorporated by reference from the Registrant's
         Registration  Statement  on Form S-4  (Registration  Number  333-92335)
         filed with the Commission on December 8, 1999.

         (b)      Pro Forma Financial Statements

                  (1) The Unaudited Pro Forma Combined Financial  Information as
         of September  30, 1999 is hereby  incorporated  by  reference  from the
         Registrant's  Registration  Statement on Form S-4 (Registration  Number
         333-92335) filed with the Commission on December 8, 1999.

                  (2) The Unaudited Pro Forma Combined Financial  Information as
         of December  31, 1999 is not  included in this filing and will be filed
         by amendment to this Form 8-K within 60 days of March 15, 2000.

         (c)      Exhibits

                  2 Plan of  Reorganization  and  Agreement  and Plan of  Merger
         dated   September  21,  1999   (incorporated   by  reference  from  the
         Registrant's  Registration  Statement on Form S-4 (Registration  Number
         333-92335) filed with the Commission on December 8, 1999).
<PAGE>


                  20  Proxy   Statement/Prospectus   dated   December  27,  1999
         (incorporated by reference from the Registrant's Registration Statement
         on Form S-4  (Registration  Number 333-92335) filed with the Commission
         on December 8, 1999).

                  99.      Unaudited Pro Forma Combined Financial information as
          of December 31, 1999 (to be filed by ammendment).


<PAGE>

                                   SIGNATURES

         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
the  Registrant  has duly  caused  this Report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                                           PEOPLES BANCORP

Date:    March 13, 2000               By:  Maurice F. Winkler, III
                                           President and Chief Executive Officer
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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):    February 29, 2000
                                                   -------------------

                                 PEOPLES BANCORP

             (Exact name of Registrant as Specified in its Charter)

       Indiana                           000-18991               35-1811284
--------------------------------------------------------------------------------
(State or Other Jurisdiction           (Commission             (IRS Employer
     of Incorporation)                 File Number)          Identification No.)

212 West 7th Street, Auburn, Indiana                                    46706
--------------------------------------------------------------------------------
(Address of Principal Executive Offices)                              (Zip Code)

Registrant's telephone number, including area code:    (219) 925-2500
                                                     ----------------

                                 Not Applicable

          (Former Name or Former Address, if Changed Since Last Report)
Item 2.  Acquisition or Disposition of Assets

         On February  29, 2000,  the  Registrant  completed  the merger of Three
Rivers Financial  Corporation  with and into Registrant.  Information as to this
transaction was previously reported in the Registrant's  Registration  Statement
on Form S-4,  Registration  Number  333-92335,  which is incorporated  herein by
reference (the "Proxy/Prospectus"). For a discussion of the terms and conditions
of the transaction, reference is made to the Proxy/Prospectus.

         Upon  consummation  of the  merger,  each  outstanding  share of common
stock,  $0.01 par value per share,  of Three Rivers  Financial  Corporation  was
converted into the right to receive 1.08 shares of Peoples Bancorp common stock,
$1.00  par  value  per  share,  in an  exchange  intended  to be tax free to the
shareholders,  except  to the  extent  of any  cash  received  in  exchange  for
fractional  shares.  Cash  will be  paid  for  fractional  shares  in an  amount
determined by multiplying the fractional  interest by $13.75, the average of the
closing  prices  per  share of the  Registrants  common  stock for the five full
trading days immediately  preceding  February 29, 2000, the closing date. On the
closing date, Three Rivers' former wholly-owned subsidiary,  First Savings Bank,
A Federal Savings Bank,  became a wholly-owned  subsidiary of the Registrant and
will be operated under its current name.

Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits

         (a)      Financial Statements of Business Acquired.

                  1.  The  financial   statements  of  Three  Rivers   Financial
         Corporation are hereby  incorporated by reference from the Registrant's
         Registration  Statement  on Form S-4  (Registration  Number  333-92335)
         filed with the Commission on December 8, 1999.

         (b)      Pro Forma Financial Statements

                  (1) The Unaudited Pro Forma Combined Financial  Information as
         of September  30, 1999 is hereby  incorporated  by  reference  from the
         Registrant's  Registration  Statement on Form S-4 (Registration  Number
         333-92335) filed with the Commission on December 8, 1999.

                  (2) The Unaudited Pro Forma Combined Financial  Information as
         of December  31, 1999 is not  included in this filing and will be filed
         by amendment to this Form 8-K within 60 days of March 15, 2000.

         (c)      Exhibits

                  2 Plan of  Reorganization  and  Agreement  and Plan of  Merger
         dated   September  21,  1999   (incorporated   by  reference  from  the
         Registrant's  Registration  Statement on Form S-4 (Registration  Number
         333-92335) filed with the Commission on December 8, 1999).
20  Proxy   Statement/Prospectus   dated   December  27,  1999
         (incorporated by reference from the Registrant's Registration Statement
         on Form S-4  (Registration  Number 333-92335) filed with the Commission
         on December 8, 1999).

                  99.      Unaudited Pro Forma Combined Financial information as
          of December 31, 1999 (to be filed by ammendment).
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, thereunto duly authorized.

                                           PEOPLES BANCORP

Date:    March 13, 2000               By:  Maurice F. Winkler, III
                                           President and Chief Executive Officer