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

                         April 10, 2003 (April 9, 2003)
                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 7. Financial Statements and Exhibits
-----------------------------------------
(c) Exhibits:

99.1  Press Release dated April 9, 2003 of Ohio Valley Banc Corp.


Item 9. Regulation FD Disclosure
--------------------------------
The following information is disclosed pursuant to Item 12 on Form 8-K:

On April 9, 2003,  Ohio Valley Banc Corp.  issued a news release  announcing its
earnings for the first  quarter  period ending March 31, 2003.  The  information
contained  in the news  release,  which is attached as Exhibit 99.1 to this Form
8-K, is incorporated herein by this reference.








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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 thereunto duly authorized.

                                              OHIO VALLEY BANC CORP.


Date: April  9, 2003                      By  /s/ Jeffrey E. Smith
                                              -------------------------------
                                              Jeffrey E. Smith, President and
                                              Chief Executive Officer







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                                  EXHIBIT INDEX



Exhibit Number                      Description

    99.1                            Press release of Ohio Valley Banc Corp dated
                                    April  9,  2003,  announcing  the  company's
                                    earnings for the quarter period ending March
                                    31, 2003.










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