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 18, 2004

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

            Ohio                        0-4604                   31-0746871
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(State or other jurisdiction          (Commission             (I.R.S. Employer
      of incorporation)               File Number)           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

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         (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: 

|_|   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 240.13a-4(c))




Item 7.01 Regulation FD Disclosure.

On October 18, 2004, Cincinnati Financial Corporation issued the attached news
release "Cincinnati Financial Corporation Appoints Manager of Internal Audit."
The news release is furnished as Exhibit 99.1 hereto and is incorporated herein
by reference. This report should not be deemed an admission as to the
materiality of any information contained in the news release.

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.

Item 9.01 Financial Statements and Exhibits.

(c) Exhibits

      Exhibit 99.1 - News release dated October 18, 2004, titled "Cincinnati
      Financial Corporation Appoints Manager of Internal Audit."




                                    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 hereunto duly authorized.

                                                CINCINNATI FINANCIAL CORPORATION

Date October 18, 2004

                                                /s/ Kenneth W. Stecher
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                                                Kenneth W. Stecher
                                                Chief Financial Officer, Senior 
                                                Vice President, Secretary and 
                                                Treasurer (Principal Accounting 
                                                Officer)