UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant To Section 13 or 15(d) of The Securities Exchange Act of 1934


        Date of Report (Date of earliest event reported): April 13, 2005

                              OHIO VALLEY BANC CORP
                           ------------------------
             (Exact name of registrant as specified in its charter)

                                      Ohio
                                     ------
                 (State or other jurisdiction of incorporation)

                   0-20914                       31-1359191
                  ---------                     ------------
          (Commission File Number)  (IRS Employer Identification No.)

                    420 Third Avenue, Gallipolis, Ohio 45631
                   ------------------------------------------
               (Address of principal executive offices) (Zip code)

       Registrant's telephone number, including area code: (740) 446-2631

                                 Not Applicable
                                ----------------
         (Former name or former address, if changed since last report.)


Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[   ] Written communications  pursuant  to Rule 425 under the Securities Act (17
      CFR 230.425)

[   ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)

[   ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

[   ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240.13e-4(c))



                            Exhibit Index at Page 4.



Item 2.02 - Results of Operations and Financial Condition
---------------------------------------------------------

On April 13,  2005,  Ohio  Valley  Banc Corp.  (the  "Company"),  issued a press
release announcing  financial results for the first quarterly period ended March
31, 2005. A copy of the press release is furnished with this Form 8-K as Exhibit
99.1 and is incorporated herein by reference.

Item 7.01 - Regulation FD Disclosure
------------------------------------

On April 13, 2005, the Company issued a press release  announcing that its Board
of Directors has approved a 25% split of the Company's  common  shares,  without
par value.  The additional  common shares will be distributed on May 10, 2005 to
the  Company's  shareholders  of record as of April 25,  2005.  The Company also
announced in the press  release that its Board of Directors  has  increased  the
cash  dividend,  adjusted for the stock  split,  from $.15 per share to $.16 per
share.  The  cash  dividend  will  be paid  on May  10,  2005  to the  Company's
shareholders  of record as of April 25, 2005. The  information  contained in the
press  release,  which  is  attached  as  Exhibit  99.1 to  this  Form  8-K,  is
incorporated herein by reference.
 
Item 9.01 - Financial Statements and Exhibits
---------------------------------------------

(a)  Not applicable

(b)  Not applicable

(c)  Exhibits - The following exhibit is being filed with this Current Report on
     Form 8-K:

Exhibit No.    Description
-----------    -----------  
99.1           Press release issued by Ohio Valley Banc Corp. on April 13, 2005.





                                     Page 2



                                   SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.

                                                 OHIO VALLEY BANC CORP.


Date: April 13, 2005                        By   /s/ Jeffrey E. Smith
                                                 -------------------------------
                                                 Jeffrey E. Smith, President and
                                                 Chief Executive Officer







                                     Page 3



                                  EXHIBIT INDEX



Exhibit Number                      Description
--------------                      -----------
    99.1                            Presss  release  issued by  Ohio Valley Banc
                                    Corp. on April 13, 2005.
  







                                     Page 4