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

                       October 14, 2004 (October 14, 2004)
                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
-----------------------------------------
(a) Not applicable

(b) Not applicable

(c) Exhibits:

The following exhibit is included pursuant to Item 12. Results of Operations and
Financial Condition:

99.1  Press Release dated October 14, 2004 of Ohio Valley Banc Corp.


Item 12. Results of Operations and Financial Condition
------------------------------------------------------

On October 14, 2004, Ohio Valley Banc Corp. issued a news release announcing its
earnings for the third  quarter and year to date periods  ending  September  30,
2004.  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.

The  information  in this  Current  Report on Form 8-K,  including  Exhibit 99.1
included herewith, is being furnished and shall not be deemed filed for purposes
of Section 18 of the  Securities  Exchange Act of 1934 (the  "Exchange  Act") or
otherwise  subject to the liability of that section,  nor shall such information
be deemed to be incorporated by reference in any registration statement or other
document filed under the  Securities Act of 1933 or the Exchange Act,  except as
otherwise expressly stated in such filing.





                                     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: October  14, 2004                  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
                                    October 14, 2004, announcing  the  company's
                                    earnings  for the third quarter  and year to
                                    date periods ending September 30, 2004.