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

                         July 11, 2002 (July 11, 2002)
                Date of Report (Date of earliest event reported)

                             OHIO VALLEY BANC CORP
             (Exact name of registrant as specified in its charter)

                                      Ohio
                 (State or other jurisdiction of incorporation)

                               0-20914 31-1359191
          (Commission file number) (IRS Employer Identification Number)

                    420 Third Avenue, Gallipolis, Ohio 45631
               (Address of principal executive offices) (Zip code)

       Registrant's telephone number, including area code: (740) 446-2631

                                 Not Applicable
         (Former name or former address, if changed since last report.)





                            Exhibit Index at Page 4.



Item 1. Changes in Control of Registrant.
         Not applicable.

Item 2. Acquisition or Disposition of Assets.
         Not applicable.

Item 3. Bankruptcy or Receivership.
         Not applicable.

Item 4. Changes in Registrant's Certifying Accountant.
         Not applicable.

Item 5. Other Events.
      On July 11, 2002, Ohio Valley Banc Corp  issued a news release  announcing
its earnings for the second  quarter and  year-to-date  periods  ending June 30,
2002.  The  information  contained  in the news  release,  which is  attached as
Exhibit 99 to this Form 8-K, is incorporated herein by this reference.

Item 6. Resignations of Registrant's Directors.
         Not applicable.

Item 7. Financial Statements and Exhibits.

         (a)      Financial statements of business acquired:
                           Not applicable.

         (b)      Pro forma financial information:
                           Not applicable.

         (c)      Exhibits:
                  99       Press release of  Ohio Valley Banc  Corp  dated  July
                           11, 2002, announcing  the company's  earnings for the
                           second quarter  and year-to-date  periods ending June
                           30, 2002.

Item 8. Change in Fiscal Year.
         Not applicable.

Item 9. Sales of Equity Securities Pursuant to Regulation S.
         Not applicable.





                                     Page 2


                                   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.



                                                 OHIO VALLEY BANC CORP


Date: July 11, 2002                              By /s/ Jeffrey E. Smith
                                                 -------------------------------
                                                 Jeffrey E. Smith, President and
                                                 Chief Executive Officer







                                     Page 3


                                  EXHIBIT INDEX



Exhibit Number                                      Description
--------------                                      -----------
     99                    Press  release of  Ohio Valley Banc Corp  dated  July
                           11, 2002, announcing  the company's  earnings for the
                           second quarter  and year-to-date  periods ending June
                           30, 2002.











                                     Page 4


                                   Exhibit 99


                 Ohio Valley Banc Corp Continues Earnings Growth

Gallipolis, Ohio, July 11, 2002

Ohio Valley Banc Corp reported  consolidated  net earnings for the quarter ended
June 30, 2002,  of $1,353,000  representing  an increase of 17.2% over the prior
year. Earnings per share for the second quarter of 2002 were $.39, up 18.2% from
the $.33 earned the second  quarter of 2001.  For the six months  ended June 30,
2002, consolidated net earnings were $2,605,000, up 15.2% compared to $2,261,000
a year ago.  Earnings per share were $.75 for the first half of 2002 versus $.65
last year, an increase of 15.4%.

The earnings performance improved over the prior year due to strong net interest
income  growth.  For the six months  ended June 30, 2002,  net  interest  income
improved $2,115,000 or 19.3% over last year. The increase in net interest income
was the result of a decline in total  interest  expense of  $2,009,000  or 16.2%
versus  relatively no change in total interest income due to strong loan growth.
For the second quarter of 2002, net interest income increased  $911,000 or 15.7%
over the prior year  second  quarter.  The  Company`s  net  interest  income has
benefited from the current interest rate environment and is reflected in the net
interest  margin  which  improved to 4.40% for the first half of 2002 from 4.23%
the prior year.

Noninterest  income  totaled  $2,694,000 for the six months ended and $1,414,000
for the three  months  ended  June 30,  2002,  as  compared  to  $2,477,000  and
$1,311,000 for the same time periods last year.  Comparing  year-to-date results
noninterest  income is up 8.8%.  Income from bank owned life  insurance and loan
service fees provided a majority of the growth.

On a year-to-date  basis,  noninterest  expense totaled  $10,183,000 in 2002, an
increase of $950,000 or 10.3% compared to $9,233,000 the previous year. Salaries
and employee benefits,  the Company's largest  noninterest expense grew $365,000
or 7.4% for the first six months of 2002, as compared to the same time period in
2001.  The  increase  was  related to annual  merit  increases,  incentive-based
compensation  and the continuing rise in the cost of medical  insurance.  In the
second quarter of 2002,  noninterest expense totaled $5,410,000,  up $556,000 or
11.5%  compared to the same time period last year.  Impacting the second quarter
of 2002 was a one time charge off of $464,000 related to fraudulent checks which
impacted other noninterest expense. Management is actively seeking a recovery of
the charge off. The Company's  efficiency  ratio  continues to improve driven by
revenue  growth (net interest  income plus  noninterest  income) of 17.4% versus
total expense growth of 10.3%. The efficiency ratio was 63.4% for the first half
of 2002,  as compared to 67.2% the prior year.  Excluding the  fraudulent  check
expense, total expense growth would have been limited to 5.3% and the efficiency
ratio would have been 60.5%.

For the first six  months  of 2002,  the  Company's  provision  for loan  losses
increased  $881,000  over the same  time  period  last  year in  relation  to an
increase in net charge-offs of $672,000.  During 2002,  management has continued
to drive down nonperforming  loans to strengthen the Company's asset quality. At
June 30, 2002, nonperforming loans as a percent of total loans was .97% compared
to 1.24% at year end 2001.  The  allowance  for loan  losses  was 1.24% of total
loans  at  June  30,  2002,  up  from  1.23%  at  year  end  2001.  Even  though
nonperforming  loans  have  declined,  management  has  maintained  the ratio of
allowance to total loans based on a general  decline in economic  conditions and
is  comfortable  that the allowance for loan losses is adequate to absorb future
losses inherent in the loan portfolio.

Total  assets  increased  $30,222,000  or 4.8%  from  year  end  2001  to  reach
$665,221,000  at June 30,  2002.  Driving  asset growth was an increase in total
loans of $36,135,000 or 7.1% from year end. The Company  experienced strong loan
growth during the second quarter which  contributed  to 75% of the  year-to-date
loan  growth  with  a  majority  of  the  growth  occurring  in  commercial  and
installment loans. Funding came primarily from deposits which are up $25,059,000
or 5.5% from  December  31,  2001.  Management  was pleased  that a  significant
portion of the deposit growth  occurred in savings and NOW accounts to accompany
time deposit growth.

The results for the first half of 2002 reflect many accomplishments  towards the
Company's strategic  initiatives such as double digit earnings growth,  improved
operating  efficiency  and improved  asset  quality.  Management is committed to
enhancing shareholders' value and these successes are reflected in the return on
equity which improved to 11.20% for the first six months of 2002 from 10.19% the
same time period last year.

Ohio Valley Banc Corp common  stock is traded on the NASDAQ  Stock  Market under
the symbol OVBC. The holding  company owns two  subsidiaries:  Ohio Valley Bank,
with 17 offices in Ohio and West Virginia,  and Loan Central, with four consumer
finance  company  offices in Ohio.  Learn more  about Ohio  Valley  Banc Corp at
www.ovbc.com.



OHIO VALLEY BANC CORP - Financial Highlights (Unaudited)

                              Three months ended            Six months ended
                                   June 30,                      June 30,
                              2002         2001             2002         2001
                           ----------   ----------       ----------   ----------
PER SHARE DATA
  Earnings per share           $0.39        $0.33            $0.75        $0.65
  Dividend per share           $0.17        $0.16            $0.33        $0.31
  Book value per share        $13.89       $13.12           $13.89       $13.12
  Dividend payout ratio        43.51%       48.06%           43.83%       47.67%
  Weighted average shares
   outstanding             3,460,731    3,466,293        3,459,987    3,473,414

PERFORMANCE RATIOS
  Return on average equity     11.53%       10.27%           11.20%       10.19%
  Return on average assets      0.83%        0.81%            0.81%        0.80%
  Net interest margin           4.42%        4.39%            4.40%        4.23%
  Efficiency Ratio             65.51%       66.97%           63.42%       67.24%
  Average Earning Assets
   (in 000's)               $617,096     $538,297         $608,233     $532,103

OHIO VALLEY BANC CORP - Consolidated Statements of Income (Unaudited)

                                     Three months ended       Six months ended
(in $000's)                                June 30,                June 30,
                                       2002       2001         2002       2001
                                    ---------  ---------    ---------  ---------
Interest income:
     Interest and fees on loans      $10,940     10,727       $21,587     21,116
     Interest and dividends on
      securities                         947      1,140         1,909      2,274
          Total interest income       11,887     11,867        23,496     23,390
Interest expense:
     Deposits                          3,740      4,922         7,640     10,178
     Borrowings                        1,450      1,159         2,786      2,257
          Total interest expense       5,190      6,081        10,426     12,435
Net interest income                    6,697      5,786        13,070     10,955
Provision for loan losses                813        646         1,954      1,073
Noninterest income:
     Service charges on deposit
      accounts                           801        774         1,495      1,472
     Trust fees                           60         60           114        115
     Income from bank owned insurance    168        146           340        284
     Other                               385        331           745        606
          Total noninterest income     1,414      1,311         2,694      2,477
Noninterest expense:
     Salaries and employee benefits    2,700      2,591         5,319      4,954
     Occupancy expense                   324        310           635        626
     Furniture and equipment expense     271        266           534        539
     Data processing expense             145        115           291        222
     Other                             1,970      1,572         3,404      2,892
          Total noninterest expense    5,410      4,854        10,183      9,233
Income before income taxes             1,888      1,597         3,627      3,126
Income taxes                             535        443         1,022        865
NET INCOME                            $1,353      1,154        $2,605      2,261



OHIO VALLEY BANC CORP - Consolidated Balance Sheets (Unaudited)

(in 000's)                                     June 30,          December 31,
                                                 2002                2001
                                           ----------------     ----------------
ASSETS
Cash and noninterest-bearing
 deposits with banks                            $16,444              $17,288
Federal funds sold                                6,325                9,000
     Total cash and cash equivalents             22,769               26,288
Interest-bearing balances with banks              1,492                1,264
Securities available-for-sale                    57,859               61,559
Securities held-to-maturity
  (estimated fair value:  2002 -
  $15,980 , 2001 - $14,421)                      15,305               13,973
Total loans                                     544,795              508,660
  Less:  Allowance for loan losses               (6,746)              (6,251)
     Net loans                                  538,049              502,409
Premises and equipment, net                       8,281                8,702
Accrued income receivable                         3,434                3,420
Intangible assets, net                            1,201                1,267
Bank owned life insurance                        12,380               12,089
Other assets                                      4,451                4,028
          Total assets                         $665,221             $634,999

LIABILITIES
Noninterest-bearing deposits                    $57,929              $56,735
Interest-bearing deposits                       422,991              399,126
     Total deposits                             480,920              455,861
Securities sold under agreements to
 repurchase                                      26,121               29,274
Other borrowed funds                             88,788               90,856
Obligated mandatorily redeemable
 capital securities of subsidiary trust          13,500                5,000
Accrued liabilities                               7,901                7,708
          Total liabilities                     617,230              588,699

SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value,
 10,000,000 shares authorized; 2002 -
 3,592,964 shares issued,
 2001 - 3,579,250 shares issued)                  3,593                3,579
Additional paid-in capital                       29,524               29,207
Retained Earnings                                17,442               15,979
Accumulated other comprehensive income            1,101                1,043
Treasury stock at cost (2002 -
136,715 shares, 2001 - 129,990 shares)           (3,669)              (3,508)
          Total shareholders' equity             47,991               46,300
               Total liabilities and
                 shareholders' equity           $665,221            $634,999


Contact:    Scott Shockey or Chris Petro
            1-800-468-6682 or (740) 446-2631