UNITED STATES

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): October 15, 2002

CITY HOLDING COMPANY

(Exact name of registrant as specified in its charter)

West Virginia	0-17733	55-0619957
(State or other jurisdiction of incorporation or organization)	(Commission File No.)	(IRS Employer Identification Number)

25 Gatewater Road

Charleston, West Virginia, 25313

(Address of principal executive officers)

(304) 769-1100

(Registrant’s telephone number, including area code)

Not applicable

(Former name, former address and former fiscal year, if changed since last report)

Item 5.    Other Events

On October 15, 2002, City Holding Company (“the Company”) issued a news release, attached as Exhibit 99, announcing the Company’s earnings for the third quarter of 2002.

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

(a)    Financial Statements	None
(b)    Pro Forma Financial Information	None
(c)    Exhibits
99	News Release issued on October 15, 2002

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

CITY HOLDING COMPANY

Date:    October 16, 2002

By:    /s/    Michael D. Dean

Michael D. Dean

Senior Vice President — Finance,

Chief Acounting Officer and

Duly Authorized Officer