EXHIBIT 4

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

November 7, 2008

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

RE: Ohio Valley Banc Corp. - Form 10-Q for the nine months ended  September  30,
    2008

Gentlemen:

Ohio Valley Banc Corp., an Ohio corporation  ("Ohio Valley"),  is today filing a
Quarterly  Report on Form 10-Q for the nine months ended September 30, 2008 (the
"Form 10-Q"), as executed on November 7, 2008.

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