Exhibit 31.2
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                     Rule 13a-14(a)/15d-14(a) Certification

I, Scott W. Shockey, certify that:

         1. I have reviewed this  Quarterly  Report on  Form 10-Q of Ohio Valley
Banc Corp.;

         2. Based  on  my knowledge, this  report does  not  contain  any untrue
statement of a material fact or omit to state a material fact  necessary to make
the statements made, in light of the  circumstances  under which such statements
were made, not misleading with respect to the period covered by this report;

         3. Based on my knowledge, the financial statements, and other financial
information included in this report, fairly present in all material respects the
financial  condition,  results of operations and cash flows of the registrant as
of, and for, the periods presented in this report;

         4. The registrant's other  certifying officer and I are responsible for
establishing and maintaining  disclosure  controls and procedures (as defined in
Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal  control over financial
reporting  (as defined in Exchange Act Rules  13a-15(f) and  15d-15(f))  for the
registrant and have:

         (a)  designed such disclosure  controls and  procedures, or caused such
              disclosure  controls  and  procedures  to be  designed  under  our
              supervision,  to ensure that material  information relating to the
              registrant, including its consolidated subsidiaries, is made known
              to us by others  within those  entities,  particularly  during the
              period in which this report is being prepared;

         (b)  designed   such  internal  control   over financial reporting,  or
              caused  such  internal  control  over  financial  reporting  to be
              designed under our supervision,  to provide  reasonable  assurance
              regarding  the   reliability   of  financial   reporting  and  the
              preparation  of  financial  statements  for  external  puposes  in
              accordance with generally accepted accouting principles;

         (c)  evaluated  the  effectiveness   of   the  registrant's  disclosure
              controls  and   procedures   and  presented  in  this  report  our
              conclusions about the effectiveness of the disclosure controls and
              procedures,  as of the end of the period  covered  by this  report
              based on such evaluation; and

         (d)  disclosed  in  this report any change in the registrant's internal
              control  over  financial   reporting  that  occurred   during  the
              registrant's  most  recent  fiscal  quarter  that  has  materially
              affected,  or is  reasonably  likely  to  materially  affect,  the
              registrant's internal control over financial reporting; and

         5. The registrant's  other certifying  officer and  I  have  disclosed,
based  on  our  most  recent  evaluation  of  internal  control  over  financial
reporting,  to  the  registrant's  auditors  and  the  audit  committee  of  the
registrant's board of directors:

         (a)  all significant deficiencies and material weaknesses in the design
              or operation of internal  control over financial  reporting  which
              are reasonably likely to adversely affect the registrant's ability
              to record,  process,  summarize and report financial  information;
              and

         (b)  any fraud,  whether or  not material, that  involves management or
              other  employees who have a significant  role in the  registrant's
              internal control over financial reporting.

Date: May 9, 2006                  By:  /s/  Scott W. Shockey
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                                        Scott W. Shockey, Vice President and CFO
                                        (Principal Financial Officer)