content: 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):  December 10, 2001
                                                     -----------------
  
  
                          NB&T FINANCIAL GROUP, INC.
              -----------------------------------------------------
              (Exact name of registrant as specified in its charter)
  
  
  
  
              OHIO                    0-23134              31-1004998
  ---------------------------    -------------------   --------------------
  (State or other jurisdiction  (Commission File No.) (IRS Employer I.D. No.)
       of incorporation)
  
  
              48 N. South Street, Wilmington, Ohio           45177
             ----------------------------------------      ----------
            (Address of principal executive offices)       (Zip Code)
  
  
  Registrant's telephone number, including area code:  (937) 382-1441
                                                      ----------------
  
  
  <PAGE>
  
  
  Item 5.          Other Events.
  ------           ------------
  
  The following was contained in a press release issued by NB&T Financial
  Group, on or about December 10, 2001.
  
  
  
       On December 10, 2001, NB&T Financial Group, Inc. ("NB&T Financial")
  issued a press release announcing the acquisition of the assets and
  assumption of the deposit and certain other liabilities of The Sabina
  Bank by The National Bank and Trust Company, NB&T Financial's wholly-
  owned subsidiary.  A copy of the press release is attached hereto as
  Exhibit 99.
  
  
  Item 7.          Financial Statements and Exhibits.
  ------           ---------------------------------
  
       (a) and (b).     Not applicable
  
       (c)              Exhibits.
                        See Index to Exhibits.
  
  
  
  <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.
  
  
                                       NB&T FINANCIAL GROUP, INC.
  
  
  
                                       By: /s/ Charles L. Dehner
                                           ----------------------------
                                           Charles L. Dehner
                                           Executive Vice President,
                                             Chief Financial Officer
  
  
  Date:  December 10, 2001
  
  
  
  <PAGE>
  
                             INDEX TO EXHIBITS
  
  
  Exhibit Number     Description
  --------------     -----------
  
  
  99                 Press Release of NB&T Financial Group, Inc. dated
                     December 10, 2001.
metadata_documents: [{"type": "8-K", "sequence": "1", "filename": "nbt8k1210.txt", "secsgml_size_bytes": 2907}]
metadata_filer: {"company-data": {"conformed-name": "NB&T FINANCIAL GROUP INC", "cik": "0000908837", "assigned-sic": "6029", "irs-number": "311004998", "state-of-incorporation": "OH", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-23134", "film-number": "1811160"}, "business-address": {"street1": "48 NORTH SOUTH ST", "city": "WILMINGTON", "state": "OH", "zip": "45177", "phone": "9373821441"}, "mail-address": {"street1": "48 NORTH SOUTH ST", "city": "WILMINGTON", "state": "OH", "zip": "45177"}, "former-company": {"former-conformed-name": "INTERCOUNTY BANCSHARES INC", "date-changed": "19930708"}}
text: 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):  December 10, 2001
                                                     -----------------
  
                          NB&T FINANCIAL GROUP, INC.
              -----------------------------------------------------
              (Exact name of registrant as specified in its charter)
  
              OHIO                    0-23134              31-1004998
  ---------------------------    -------------------   --------------------
  (State or other jurisdiction  (Commission File No.) (IRS Employer I.D. No.)
       of incorporation)
  
              48 N. South Street, Wilmington, Ohio           45177
             ----------------------------------------      ----------
            (Address of principal executive offices)       (Zip Code)
  
  Registrant's telephone number, including area code:  (937) 382-1441
                                                      ----------------
  Item 5.          Other Events.
  ------           ------------
  
  The following was contained in a press release issued by NB&T Financial
  Group, on or about December 10, 2001.
  
       On December 10, 2001, NB&T Financial Group, Inc. ("NB&T Financial")
  issued a press release announcing the acquisition of the assets and
  assumption of the deposit and certain other liabilities of The Sabina
  Bank by The National Bank and Trust Company, NB&T Financial's wholly-
  owned subsidiary.  A copy of the press release is attached hereto as
  Exhibit 99.
  
  Item 7.          Financial Statements and Exhibits.
  ------           ---------------------------------
  
       (a) and (b).     Not applicable
  
       (c)              Exhibits.
                        See Index to Exhibits.
  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.
  
                                       NB&T FINANCIAL GROUP, INC.
  
                                       By: /s/ Charles L. Dehner
                                           ----------------------------
                                           Charles L. Dehner
                                           Executive Vice President,
                                             Chief Financial Officer
  
  Date:  December 10, 2001
  INDEX TO EXHIBITS
  
  Exhibit Number     Description
  --------------     -----------
  
  99                 Press Release of NB&T Financial Group, Inc. dated
                     December 10, 2001.