SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                   FORM 8-K/A

                                 CURRENT REPORT

                       PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934



Date of Report (Date of earliest event reported):              December 22, 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 5.  Other Events

         On December 19, 2000, the Board of Directors  authorized  establishment
of a stock repurchase program pursuant to which the registrant may repurchase up
to 300,000 shares of its common stock, which represents  approximately 8% of its
outstanding  stock,  from  time to  time  in the  open  market  or in  privately
negotiated  transactions.  Such stock  purchases  are  expected to be  completed
within two years. For information regarding the repurchase program, reference is
made to the registrant's press release dated December 22, 2000 which is attached
hereto as Exhibit A and incorporated herein by reference.



<PAGE>

For Immediate Release

Date:                      December 22, 2000
NASDAQ Symbol:             PFDC
Contact:                   Maurice F. Winkler, III
                           219-925-2500



  PEOPLES BANCORP DECLARES CASH DIVIDEND AND ANNOUNCES STOCK REPURCASE PROGRAM


(Auburn) - The Board of Directors of Peoples  Bancorp,  the holding  company for
Peoples  Federal  Savings Bank and First Savings Bank,  declared a first quarter
dividend of $0.14 per share,  according to Roger J. Wertenberger,  Chairman. The
dividend  will be paid on January  25,  2000,  to  stockholders  of record as of
January 3, 2000. This dividend will mark the 53rd consecutive quarterly dividend
issued by Peoples since becoming a public company in 1987.

Roger J. Wertenberger,  Chairman of Peoples Bancorp, indicated that "Peoples has
completed  it's stock  repurchase  announced  in June of 1999 which  allowed the
company to repurchase  300,000 shares of it's stock.  We certainly feel that the
stock  repurchase  program has  benefited  our  shareholders  and as a result we
wanted to continue the program."  Peoples  Bancorp  announced that the new stock
repurchase  program  would also  repurchase  300,000  shares and  continue  from
December of 2000 to December of 2002.

The Board of directors has  authorized  the  expenditure of up to $7,500,000 for
the repurchase  program,  which is to be completed  within two years.  Purchases
will be made in the open market and in unsolicited negotiated transactions.

Peoples had 3,662,641 shares of stock  outstanding as of September 30, 2000, and
the price of Peoples Bancorp stock as of December 21, 2000, was $14.39 per share
as listed on the NASDAQ  National  Marketing  System under the symbol  PFDC.  At
September 30, 2000 the book value per share was $15.64.

Peoples Bancorp,  through its Indiana subsidiary,  Peoples Federal Savings Bank,
operates  eight  full-service  offices  located  in  Auburn,  Avilla,  LaGrange,
Garrett,  Kendallville,  Waterloo,  and two in Columbia City,  Indiana.  Peoples
Bancorp's  Michigan  subsidiary,  First Savings Bank,  operates six full service
offices  located  in Three  Rivers  (two  offices),  Schoolcraft,  and  Union in
Michigan, and Howe and Middlebury in Indiana.

<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:    December 22, 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/A

                                 CURRENT REPORT

                       PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported):              December 22, 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 5.  Other Events

         On December 19, 2000, the Board of Directors  authorized  establishment
of a stock repurchase program pursuant to which the registrant may repurchase up
to 300,000 shares of its common stock, which represents  approximately 8% of its
outstanding  stock,  from  time to  time  in the  open  market  or in  privately
negotiated  transactions.  Such stock  purchases  are  expected to be  completed
within two years. For information regarding the repurchase program, reference is
made to the registrant's press release dated December 22, 2000 which is attached
hereto as Exhibit A and incorporated herein by reference.
For Immediate Release

Date:                      December 22, 2000
NASDAQ Symbol:             PFDC
Contact:                   Maurice F. Winkler, III
                           219-925-2500

  PEOPLES BANCORP DECLARES CASH DIVIDEND AND ANNOUNCES STOCK REPURCASE PROGRAM

(Auburn) - The Board of Directors of Peoples  Bancorp,  the holding  company for
Peoples  Federal  Savings Bank and First Savings Bank,  declared a first quarter
dividend of $0.14 per share,  according to Roger J. Wertenberger,  Chairman. The
dividend  will be paid on January  25,  2000,  to  stockholders  of record as of
January 3, 2000. This dividend will mark the 53rd consecutive quarterly dividend
issued by Peoples since becoming a public company in 1987.

Roger J. Wertenberger,  Chairman of Peoples Bancorp, indicated that "Peoples has
completed  it's stock  repurchase  announced  in June of 1999 which  allowed the
company to repurchase  300,000 shares of it's stock.  We certainly feel that the
stock  repurchase  program has  benefited  our  shareholders  and as a result we
wanted to continue the program."  Peoples  Bancorp  announced that the new stock
repurchase  program  would also  repurchase  300,000  shares and  continue  from
December of 2000 to December of 2002.

The Board of directors has  authorized  the  expenditure of up to $7,500,000 for
the repurchase  program,  which is to be completed  within two years.  Purchases
will be made in the open market and in unsolicited negotiated transactions.

Peoples had 3,662,641 shares of stock  outstanding as of September 30, 2000, and
the price of Peoples Bancorp stock as of December 21, 2000, was $14.39 per share
as listed on the NASDAQ  National  Marketing  System under the symbol  PFDC.  At
September 30, 2000 the book value per share was $15.64.

Peoples Bancorp,  through its Indiana subsidiary,  Peoples Federal Savings Bank,
operates  eight  full-service  offices  located  in  Auburn,  Avilla,  LaGrange,
Garrett,  Kendallville,  Waterloo,  and two in Columbia City,  Indiana.  Peoples
Bancorp's  Michigan  subsidiary,  First Savings Bank,  operates six full service
offices  located  in Three  Rivers  (two  offices),  Schoolcraft,  and  Union in
Michigan, and Howe and Middlebury in Indiana.
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:    December 22, 2000           By:         Maurice F. Winkler, III
                                           President and Chief Executive Officer