UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

                          Commission file number 0-4604

                        CINCINNATI FINANCIAL CORPORATION
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)

             Ohio                                             31-0746871
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(State or other jurisdiction of                            (I.R.S. Employer
 incorporation or organization)                           Identification No.)

  6200 S. Gilmore Road, Fairfield, Ohio                        45014-5141
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(Address of principal executive offices)                       (Zip code)

       Registrant's telephone number, including area code: (513) 870-2000



Item 12. Results of Operations and Financial Condition. On October 28, 2003,
Cincinnati Financial Corporation issued a news release announcing its financial
results for the third quarter and nine months ended September 30, 2003. The news
release is furnished as Exhibit 99.1 hereto and is incorporated herein by
reference.

The information furnished in this report shall not be deemed "filed" for
purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or
otherwise subject to the liabilities of that Section, nor shall such information
be deemed incorporated by reference in any filing under the Securities Act of
1933, as amended.



Signature

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.

                              CINCINNATI FINANCIAL CORPORATION

                              ----------------------------------------------
                              Kenneth W. Stecher
                              Chief Financial Officer, Senior Vice President,
                              Secretary and Treasurer
                              (Principal Accounting Officer)
                              October 28, 2003



Exhibits:

Exhibit 99.1 News release dated October 28, 2003, containing financial results
of Cincinnati Financial Corporation for the third quarter and nine months ended
September 30, 2003.