CONSENT OF INDEPENDENT ACCOUNTANTS


We  hereby  consent  to  the   incorporation  by  reference  in  the  Prospectus
constituting  part of the  Registration  Statement on Form S-3 filed on or about
August 4, 1997 of Ohio Valley Banc Corp.  of our report  dated  February 1, 2001
related to the consolidated statements of condition of Ohio Valley Banc Corp. as
of December 31, 2000 and 1999 and the related consolidated statements of income,
changes in  shareholders'  equity and cash flows for each of the three  years in
the period ending  December 31, 2000,  which report is incorporated by reference
in this Form 10-K.

                                        /s/CROWE, CHIZEK AND COMPANY LLP
                                        Crowe, Chizek and Company LLP

Columbus, Ohio
March 29, 2001