EXHIBIT 99

             CERTIFICATION PURSUANT TO TITLE 18, UNITED STATES CODE,
             SECTION 1350 AS ADOPTED PURSUANT TO SECTION 906 OF THE
                          SARBANES - OXLEY ACT OF 2002


  In  connection with  the  Annual  Report  of  Ohio  Valley  Banc  Corp.   (the
"Corporation")  on Form 10-K for the fiscal year ended  December  31,  2002,  as
filed with the  Securities  and  Exchange  Commission  on the date  hereof  (the
"Report"),  the  undersigned  Jeffrey E. Smith,  President  and Chief  Executive
Officer of the Corporation,  and Larry E. Miller,  II, Senior Vice President and
Treasurer (Chief Financial Officer) of the Corporation,  each certify,  pursuant
to Title 18,  United States Code,  Section 1350, as adopted  pursuant to Section
906 of the Sarbanes-Oxley Act of 2002, that, to the best of their knowledge:

   (1) The Report fully complies with the requirements of Section 13(a) or 15(d)
       of the Securities Exchange Act of 1934; and

   (2) The information contained in the Report fairly  presents, in all material
       respects, the  financial  condition  and results  of  operations  of  the
       Corporation.


* /s/ Jeffrey E. Smith                               * /s/ Larry E. Miller, II
- ----------------------                               -------------------------
Jeffrey E. Smith,                                     Larry E. Miller, II
President and Chief Executive Officer                 Senior Vice President and
                                                      Treasurer (Chief Financial
                                                      Officer)

Dated:  March 31, 2003                                Dated:  March 31,  2003






*  A signed original of this  written statement required by Section 906 has been
   provided to Ohio Valley Banc Corp.  and will  be retained by Ohio Valley Banc
   Corp. and furnished to  the Securities  and Exchange  Commission or its staff
   upon request.