CONSENT OF INDEPENDENT ACCOUNTANTS


We  hereby  consent  to  the   incorporation  by  reference  in  the  Prospectus
constituting  part of the Registration  Statement on Form S-3 (No.  33-62010) of
Ohio  Valley  Banc  Corp.  of our  report  dated  February  6,  1997 on the 1996
financial  statements of Ohio Valley Banc Corp., which report is incorporated by
reference in this Form 10-K.


                                        Crowe, Chizek and Company LLP

Columbus, Ohio
March 27, 1997


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