EXHIBIT 4

OHIO VALLEY BANC CORP.

420 Third Avenue, PO Box 240

Gallipolis, OH  45631

(740) 446-2631

November 9, 2009

Securities and Exchange Commission

100 F Street, N.E.

Washington, D.C.  20549

RE: Ohio Valley Banc Corp. – Form 10-Q for the nine months ended September 30, 2009

Gentlemen:

Ohio Valley Banc Corp., an Ohio corporation (“Ohio Valley”), is today filing a Quarterly Report on Form 10-Q for the nine months ended September 30, 2009 (the “Form 10-Q”), as executed on November 6, 2009.

Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation S-K, Ohio Valley hereby agrees to furnish the Commission, upon request, copies of instruments and agreements, defining the rights of holders of its long-term debt and of the long-term debt of its consolidated subsidiaries, which are not being filed as exhibits to the Form 10-Q.  Such long-term debt does not exceed 10% of the total assets of Ohio Valley Banc Corp. and its subsidiaries on a consolidated basis.

Very truly yours,

/s/  Jeffrey E. Smith

Jeffrey E. Smith

President and CEO

Ohio Valley Banc Corp.