EXHIBIT 10.4

                           SCHEDULE A TO EXHIBIT 10.3

The following  individuals entered into Director Retirement  Agreements with The
Ohio Valley Bank Company  identified  below which are  identical to the Director
Retirement Agreement,  dated December 28, 2007, between Jeffrey E. Smith and The
Ohio Valley Bank  Company  incorporated  herein by  reference to Exhibit 10.3 to
Ohio  Valley's  Annual  Report on Form 10-K for fiscal year ending  December 31,
2007 (SEC File No. 0-20914).


                                            Date of
Name                                        Director Retirement Agreement
----                                        -----------------------------
Anna P. Barnitz                             December 28, 2007
Steven B. Chapman                           December 28, 2007
Robert E. Daniel                            December 28, 2007
Robert H. Eastman                           December 28, 2007
Harold A. Howe                              December 28, 2007
David W. Thomas                             June 17, 2008
Brent A. Saunders                           October 16, 2007
Roger D. Williams                           October 16, 2007
Lannes C. Williamson                        December 28, 2007
Thomas E. Wiseman                           December 28, 2007