Exhibit 32

                           SECTION 1350 CERTIFICATION


         In connection with  the  Annual  Report  of Ohio Valley Banc Corp. (the
"Corporation")  on Form 10-K for the fiscal year ended  December  31,  2003,  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 Section 1350 of Chapter 63 of Title 18 of the United  States Code, 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 15, 2004                                Dated:  March 15, 2004





*    This certification is being furnished as required by Rule 13a - 14(b) under
the  Securities  Exchange Act of 1934 (the  "Exchange  Act") and Section 1350 of
Chapter  63 of Title 18 of the  United  States  Code,  and  shall  not be deemed
"filed" for purposes of Section 18 of the  Exchange Act or otherwise  subject to
the  liability of that  Section.  This  certification  shall not be deemed to be
incorporated  by reference  into any filing under the  Securities Act of 1933 or
the Exchange Act, except as otherwise stated in such filing.