Filed pursuant to Rule 424(b)(3) and (c)
                                                    Registration Number 33-62010

PROSPECTUS SUPPLEMENT
(to prospectus dated August 4, 1997)


                             OHIO VALLEY BANC CORP.
                                420 Third Avenue
                             Gallipolis, Ohio 45631
                                 (740) 446-2631


             DIVIDEND REINVESTMENT AND EMPLOYEE STOCK PURCHASE PLAN

           -----------------------------------------------------------
                              829,061 COMMON SHARES
                               (without par value)
           -----------------------------------------------------------


          This prospectus supplement  supplements our prospectus dated August 4,
1997  relating to our Dividend  Reinvestment  and Employee  Stock  Purchase Plan
which we refer to as the "Plan." You should read this  prospectus  supplement in
connection  with the  prospectus.  This  prospectus  supplement  is qualified by
reference  to the  prospectus,  except to the  extent  the  information  in this
prospectus supplement supercedes the information contained in the prospectus.

     On April 16, 2002, we amended the Plan in the following two ways:

o    We increased the maximum amount of voluntary  cash payments  ("Supplemental
     Investments")  a  participant  in the Plan can make to purchase  additional
     common  shares  of Ohio  Valley  Banc  Corp.  from  $2,000  to  $3,000  per
     Investment  Period (any three-month  period ending on January 31, April 30,
     July 31 or October 31).

o    We increased  the maximum  amount that  employees of Ohio Valley Banc Corp.
     and its  subsidiaries  who are not  shareholders  may initially invest when
     they become participants in the Plan from $2,000 to $3,000.

     These amendments became  effective  at the  start  of the Investment Period
which began on May 1, 2002.












                    The date of this prospectus supplement is
                                  May 10, 2002.