UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) ~~of the~~

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): ~~January~~ October 2930, 2013

CROGHAN BANCSHARES, INC.

(Exact name of registrant as specified in its charter)

0-20159

(Commission File Number)

OHIO		31-1073048
(State or other jurisdiction of incorporation)		(IRS Employer Identification No.)
323 CROGHAN STREET, FREMONT, OHIO		43420
(Address of principal executive offices)		(Zip Code)


323 CROGHAN STREET, FREMONT, OHIO		43420
(Address of principal executive offices)		(Zip Code)

(419) 332-7301

(Registrant’s telephone number, including area code)

NOT APPLICABLE

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

[x ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[¨ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

[¨ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[¨ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02.

Results of Operations and Financial Condition.

Croghan Bancshares, Inc. (“Croghan”) is mailing to its shareholders a newsletter (the “Shareholder Newsletter”) containing financial highlights for the ~~fiscal year and three~~nine-month period ended ~~December~~September 3130, ~~2012~~2013. A copy of ~~Croghan’s~~the ~~shareholder~~Shareholder ~~newsletter~~Newsletter is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

~~The information in this~~ Item ~~2.02,~~ ~~including Exhibit 99~~8.101. ~~included~~Other herewith, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities of that Section, nor shall such information be deemed to be incorporated by reference in any registration statement or other document filed under the Securities Act of 1933 (the “Securities Act”) or the Exchange Act, except as otherwise stated in such filingEvents.

The Shareholder Newsletter attached hereto as Exhibit 99.1 also contains information regarding the proposed merger with Indebancorp and the Special Meeting of Shareholders to be held on November 19, 2013 for the purpose of considering and voting upon the merger.

Item 9.01.

Financial Statements and Exhibits.

(a)

Not applicable

(b)

Not applicable

(c)

Not applicable

(d)

Exhibits:

	Exhibit No.	Description
ExhibitNo.	Description
99.1	99Newsletter to shareholders of Croghan Bancshares, Inc.1	~~Newsletter to shareholders of Croghan Bancshares, Inc. containing financial highlights for the fiscal year and three-month period ended December 31, 2012~~

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SIGNATURES

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

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INDEX TO EXHIBITS

Current Report on Form 8-K

Dated ~~January~~ October 2930, 2013

Exhibit No.		Description
ExhibitNo.		Description
99.1		Newsletter to shareholders of Croghan Bancshares, Inc. ~~containing financial highlights for the fiscal year and three-month period ended December 31, 2012~~

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CROGHAN BANCSHARES, INC.

Date: January 29, 2013

/s/ Kendall W. Rieman

Date: October 30, 2013

/s/ Kendall W. Rieman

Kendall W. Rieman, Treasurer

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