EXHIBIT 23

                       CONSENT OF INDEPENDENT AUDITORS


We  hereby  consent  to the  incorporation  by  reference  in  the  Registration
Statement  on Form S-3 of Ohio  Valley Banc Corp.  filed with the United  States
Securities  and Exchange  Commission  (SEC No.  033-62010),  of our report dated
February 5, 2004 on the  consolidated  financial  statements of Ohio Valley Banc
Corp.  included in this Annual  Report on Form 10-K for the year ended  December
31, 2003.

                                        /s/CROWE CHIZEK AND COMPANY LLC
                                        Crowe Chizek and Company LLC

Columbus, Ohio
March 12, 2004