EXHIBIT 10.6
                           SCHEDULE A TO EXHIBIT 10.5

The following  individuals  entered into Salary Continuation Plans with The Ohio
Valley  Bank  Company  identified  below  which  are  identical  to  the  Salary
Continuation  Plan, dated January 2, 1997, between Jeffrey E. Smith and The Ohio
Valley Bank Company filed herewith.



                                    Date of
Name                                Salary Continuation Plan
- ---------------                     ------------------------
James L. Dailey                     January 2, 1997