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                                                                  Exhibit 23.2








                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS



        We consent to the incorporation in this registration statement of Ohio
Valley Banc Corp. on Form S-4, of our report dated January 12, 1998 on the
financial statements of The Jackson Savings Bank as of September 30, 1997 and
1996. We also consent to the reference to our firm under the heading "Experts"
in the prospectus, which is part of this registration statement.





                                           /s/ B. Lee Hubbard & Company
                                           -------------------------------- 
                                           B. Lee Hubbard & Company

Jackson, Ohio
September 21, 1998