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. 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: April 9, 2003 By /s/ Jeffrey E. Smith ------------------------------- Jeffrey E. Smith, President and Chief Executive Officer Page 3 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. Page 4