As filed with the Securities and Exchange Commission on May 5, 1997         
- -------------------------------------------------------------------         
                                                      Registration No. 333-23147
                                                      --------------------------

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                             ----------------------
                                 AMENDMENT NO. 2
                                       TO
                                    FORM S-1
                             REGISTRATION STATEMENT
                        UNDER THE SECURITIES ACT OF 1933

                           SISTERSVILLE BANCORP, INC. 
                           -------------------------- 
             (Exact Name of Registrant as Specified in Its Charter)



        Delaware                         6035                   31-1516424     
- -----------------------------  ---------------------------   -------------------
(State or Other Jurisdiction   (Primary Standard Industry    (I.R.S. Employer
of Incorporation               Classification Code Number)   Identification No.)
       or Organization)


               726 Wells Street, Sistersville, West Virginia 26175
                                 (304) 652-3671 
- --------------------------------------------------------------------------------
    (Address, Including Zip Code, and Telephone Number, Including Area Code,
                  of Registrant's Principal Executive Offices)



                              Mr. Stanley M. Kiser
                                    President
                           Sistersville Bancorp, Inc.
               726 Wells Street, Sistersville, West Virginia 26175
                                 (304) 652-3671 
- --------------------------------------------------------------------------------
            (Name, Address, Including Zip Code, and Telephone Number,
                   Including Area Code, of Agent for Service)



                  Please send copies of all communications to:
                               John J. Spidi, Esq.
                             Lloyd H. Spencer, Esq.
                      Malizia, Spidi, Sloane & Fisch, P.C.
           1301 K Street, N.W., Suite 700 East, Washington, D.C. 20005



        APPROXIMATE DATE OF COMMENCEMENT OF PROPOSED SALE TO THE PUBLIC:
   As soon as practicable after this registration statement becomes effective.

     If any of the securities being registered on this form are to be offered on
a delayed or continuous  basis  pursuant to Rule 415 under the Securities Act of
1933, check the following box [X]
 
     If this Form is filed to  register  additional  securities  for an offering
pursuant to Rule 462(b) under the Securities Act, please check the following box
and list  the  Securities  Act  registration  statement  number  of the  earlier
effective registration statement for the same offering. [ ]

     If this Form is a  post-effective  amendment  filed pursuant to Rule 462(c)
under the  Securities  Act,  check the following box and list the Securities Act
registration  statement number of the earlier effective  registration  statement
for the same offering. [ ]

     If the delivery of the  prospectus  is expected to be made pursuant to Rule
434, please check the following box.[ ]




            PART II: INFORMATION NOT REQUIRED IN PROSPECTUS

Item 16.     Exhibits and Financial Statement Schedules:

             The financial statements and exhibits filed as part of this
             Registration Statement are as follows:

               (a)   List of Exhibits:

               1.1   Agency Agreement with Trident Securities, Inc.

               2     Plan of  Conversion  of  First  Federal  Savings  and Loan
                     Association of Sistersville
 
               3(i)  Certificate of  Incorporation of Sistersville Bancorp, Inc.

               3(ii) Bylaws of Sistersville Bancorp, Inc.

               4     Specimen Stock Certificate of Sistersville Bancorp, Inc.

               5.1   Opinion  of  Malizia,   Spidi,  Sloane  &  Fisch,  P.C.
                     regarding legality of securities registered

               5.2   Opinion  of  Ferguson  &  Company  as to the  value  of
                     subscription rights

               8.1   Federal Tax Opinion of Malizia,  Spidi,  Sloane & Fisch,
                     P.C.

               8.2   State Tax Opinion of S.R. Snodgrass, A.C.

               10.1  Employment Agreement with Stanley M. Kiser

               23.1  Consent  of  Malizia,  Spidi,  Sloane  &  Fisch,  P.C.
                     (contained in its opinions filed as Exhibits 5.1 and
                     8.1)

               23.2  Consent of S.R. Snodgrass, A.C.

               23.3  Consent of Ferguson & Company

               24    Power of  Attorney  (reference  is made to the  signature
                     page)

               27    Financial Data Schedule

               99.1  Stock Order Form

               99.2  Marketing Materials

               99.3  Appraisal Report of Ferguson & Company*

               (b)   Financial Statements Schedules**

- ---------------------                                       
*        Filed herewith
**       All schedules are omitted because they are not required  or  applicable
         or the required information is shown in the financial statements or the
         notes thereto.
 




                                  SIGNATURES

                  Pursuant to the  requirements  of the  Securities Act of 1933,
the registrant has duly caused this  registration  statement to be signed on its
behalf by the  undersigned,  thereunto duly authorized,  in  Sistersville,  West
Virginia, as of May 5, 1997.

                                  SISTERSVILLE BANCORP, INC.



                                  By: /s/ Stanley M. Kiser             
                                      ------------------------------------------
                                      Stanley M. Kiser
                                      President
                                      (Duly Authorized Representative)


                  Pursuant to the  requirements  of the  Securities Act of 1933,
this  registration  statement has been signed below by the following  persons in
the capacities indicated as of May 5, 1997.



/s/ Stanley M. Kiser                            /s/ Lester C. Doak
- -------------------------------------           --------------------------------
Stanley M. Kiser                                Lester C. Doak
President and Chief Executive Officer           Chairman of the Board
(Principal Executive Officer)


/s/ Gary L. Ward                                /s/ Ellen E. Thistle
- -------------------------------------           --------------------------------
Gary L. Ward                                    Ellen E. Thistle
Director                                        Assistant Secretary and Director


/s/ David W. Miller                             /s/ Dorsey R. Ash     
- -------------------------------------           --------------------------------
David W. Miller                                 Dorsey R. Ash
Vice President and Director                     Director


/s/ Charles P. LaRue                            /s/ Guy L. Nichols       
- -------------------------------------           --------------------------------
Charles P. LaRue                                Guy L. Nichols
Director                                        Director


/s/ Margaret A. Peters                           
- -------------------------------------           --------------------------------
Margaret A. Peters                              James E. Willison
Director                                        Director