CONSENT OF INDEPENDENT AUDITORS


 We consent to the  incorporation  in this  Registration  Statement  of the Ohio
 Valley Banc Corp.  (the "Company") on Form S-3, of our report dated February 4,
 1999 on the 1998 consolidated financial statements of the Company, which report
 is  included  in the  Company's  Annual  Report on Form 10-K for the year ended
 December  31,  1998.  We also  consent to the  reference  to our firm under the
 heading  "Experts"  in the  prospectus,  which  is part  of  this  Registration
 Statement.

                                        Crowe, Chizek and Company LLP

Columbus, Ohio
March 26, 1999