8-K

                                 UNITED STATES
                       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


                                November 16, 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 No.)

                    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.)


Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
    CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
    Exchange Act (17 CFR 240.13e-4(c))



                            Exhibit Index at Page 4.



Item 8.01 - Other Events
- ------------------------

On November  16, 2004,  the Board of  Directors of Ohio Valley Banc Corp.,  (the
"Company"),  declared  a special  extra cash  dividend  of $.19 per share on the
Company's   outstanding   common  shares,   payable  on  December  15,  2004  to
shareholders  of record on December 1, 2004.  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 9.01 - Financial Statements and Exhibits
- ---------------------------------------------

(c) Exhibits

Exhibit 99 - Press Release dated November 16, 2004.




                                     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: November  17, 2004                 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
                                    November 16,  2004.







                                     Page 4

EX-99

FOR IMMEDIATE RELEASE
Contact:
Scott Shockey or Bryna Butler
1-800-468-6682 or (740) 446-2631

                          OVBC DECLARES EXTRA DIVIDEND

GALLIPOLIS, Ohio -- Jeffrey E. Smith,  President  and Chief Executive Officer of
Ohio Valley Banc Corp.  (OVBC) today  reported  that the Board of Directors  has
declared a special  extra cash  dividend.  This fifth cash  dividend  of 2004 is
being paid to OVBC shareholders, so that they may share in the successful return
on their company's investment in ProCentury (PROS), formerly known as ProFinance
Holdings Corporation. This extra cash dividend of $.19 per share will be payable
on December 15, 2004 to shareholders of record December 1, 2004.

In October of 2000,  under the  provisions of the  Gramm-Leach-Bliley  Financial
Modernization  Act, OVBC joined forces with the financial  holding  companies of
four other  community  banks to  purchase a 50% equity  interest  in  ProFinance
Holdings Corporation.  ProFinance, to be later re-named ProCentury (PROS), is an
insurance underwriter and reinsurance company.

OVBC's  investment of $1.9 million was believed to be the first  acquisition  of
its kind made as a result of the passage of the Gramm-Leach-Bliley  Act. The Act
includes  legislation that allows  financial  institutions to invest directly in
insurance companies.

ProCentury  enjoyed a successful  initial public offering in April of this year,
generating a gross return to Ohio Valley Banc Corp. of $4.7  million,  resulting
in a net profit of $1.6 million after taxes.

Smith commented,  "The flexibility  that  Gramm-Leach-Bliley  gives to community
banks,  like OVB, coupled with the loyal support of our  shareholders  made this
return possible.  I recall an old OVB billboard that said, `Thanks for giving us
your  business'.  This special  dividend is our way of saying `thank you' to our
shareholders for a great year."

Ohio Valley Banc Corp.  common  stock is traded on the NASDAQ Stock Market under
the symbol OVBC. The holding  company owns Ohio Valley Bank,  with 16 offices in
Ohio and West Virginia,  and Loan Central,  with five consumer  finance  company
offices in Ohio. For more information go to www.ovbc.com.