EXHIBIT 4


OHIO VALLEY BANC CORP.
420 Third Avenue, PO Box 240
Gallipolis, OH  45631
(740) 446-2631

May 10, 2007

Securities and Exchange Commission
100 F Street, N.E.
Washington, D.C.  20549

RE: Ohio Valley Banc Corp. - Form 10-Q for the three months ended March 31, 2007

Gentlemen:

Ohio Valley  Banc Corp., an Ohio  corporation ("Ohio Valley"), is today filing a
Quarterly  Report on  Form 10-Q for the  three months  ended March 31, 2007 (the
"Form 10-Q"), as executed on May 10, 2007.


Pursuant to the instructions  relating to the Exhibits in Item 601(b)(4)(iii) of
Regulation  S-K,  Ohio Valley  hereby  agrees to  furnish the  Commission,  upon
request, copies of instruments and agreements, defining the rights of holders of
its long-term  debt and of the  long-term debt of its consolidated subsidiaries,
which are not being filed as exhibits to the Form 10-Q. Such long-term debt does
not  exceed  10% of  the  total  assets  of  Ohio  Valley  Banc  Corp. and  its
subsidiaries on a consolidated basis.


Very truly yours,


/s/  Jeffrey E. Smith
Jeffrey E. Smith
President and CEO
Ohio Valley Banc Corp.