POWER OF ATTORNEY


Know all by these present, that the undersigned hereby constitutes and
appoints each of Deborah A. Carhart and Melissa P. Mason signing singly,
the undersigned's true and lawful attorney-in-fact to:

1. execute for and on behalf of the undersigned, in the undersigned's
   capacity as an officer and/or director of Ohio Valley Bank Company
   (the "Company"), Forms 3, 4 and 5 in accordance with Section 16(a)
   of the Securities Exchange Act of 1934 and the rules thereunder;

2. do and perform any and all acts for and on behalf of the undersigned
   which may be necessary or desirable to complete and execute any such
   Form 3, 4 or 5, complete and execute any amendment or amendments thereto,
   and timely file such form with the United States Securities and Exchange
   Commission and any stock exchange or similar authority; and

3. take any other action of any type whatsoever in connection with the
   foregoing which, in the opinion of such attorney-in-fact, may be of
   benefit to, in the best interest of, or legally required by, the
   undersigned, it being understood that the documents executed by such
   attorney-in-fact on behalf of the undersigned pursuant to this Power
   of Attorney shall be in such form and shall contain such terms and
   conditions as such attorney-in-fact may approve in such attorney-in-fact's
   discretion.

The undersigned hereby grants to each such attorney-in-fact full power
and authority to do and perform any and every act and thing whatsoever
requisite, necessary, or proper to be done in the exercise of any of the
rights and powers herein granted, as fully to all intents and purposes as
the undersigned might or could do if personally present, with full power of
substitution or revocation, hereby ratifying and confirming all that such
attorney-in-fact, or such attorney-in-fact's substitute or substitutes, shall
lawfully do or cause to be done by virtue of this Power of Attorney and the
rights and powers herein granted.  The undersigned acknowledges that the
above-named attorneys-in-fact, in serving in such capacity at the request
of the undersigned, are not assuming, nor is the Company assuming, any of
the undersigned's responsibilities to comply with Section 16 of the Securities
Exchange Act of 1934.

This Power of Attorney shall remain in full force and effect until the
undersigned is no longer required to file Forms 3, 4 and 5 with respect
to the undersigned's holdings of the transactions in securities issued
by the Company, unless earlier revoked by the undersigned in a signed
writing delivered to the above-named attorneys-in fact.

IN WITNESS WHEREOF, the undersigned has caused this Power of Attorney
to be executed as of this 20th day of APRIL, 2004.

/s/JENNIFER L. OSBORNE
Signature