SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

                         April 28, 2004 (April 26, 2004)
                Date of Report (Date of earliest event reported)

                             OHIO VALLEY BANC CORP
             (Exact name of registrant as specified in its charter)

                                      Ohio
                 (State or other jurisdiction of incorporation)

                               0-20914 31-1359191
          (Commission file number) (IRS Employer Identification Number)

                    420 Third Avenue, Gallipolis, Ohio 45631
               (Address of principal executive offices) (Zip code)

       Registrant's telephone number, including area code: (740) 446-2631

                                 Not Applicable
         (Former name or former address, if changed since last report.)





                            Exhibit Index at Page 4.


Item 5. Other Events.
- ---------------------

On April 26, 2004,  Ohio Valley Banc Corp issued a news release  announcing  the
sale of its 100%  ownership of ProCentury  Corp., a Columbus-based  property and
casualty insurer.  The transaction was completed as part of ProCentury's initial
public  offering.  The  information  contained  in the  news  release,  which is
attached  as  Exhibit  99 to this  Form  8-K,  is  incorporated  herein  by this
reference.

Item 7. Financial Statements and Exhibits.
- ------------------------------------------

         (a)      Not applicable.

         (b)      Not applicable.

         (c)      Exhibits:
                  99       Press release of Ohio Valley  Banc  Corp dated  April
                           26, 2004, announcing  the company's  sale of its 100%
                           ownership of ProCentury  Corp.






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                                   SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.



                                                 OHIO VALLEY BANC CORP


Date: April 26, 2004                          By /s/ Jeffrey E. Smith
                                                 -------------------------------
                                                 Jeffrey E. Smith, President and
                                                 Chief Executive Officer







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                                  EXHIBIT INDEX



Exhibit Number                                      Description
- --------------                                      -----------
     99                    Press release of Ohio Valley  Banc  Corp dated  April
                           26, 2004, announcing  the company's  sale of its 100%
                           ownership of ProCentury  Corp.









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