Ohio Valley Banc Corp. operates as the holding company for The Ohio Valley Bank Company, which provides commercial and retail banking services. The bank provides commercial, consumer, and agricultural banking services within central and southeastern Ohio, as well as western West Virginia. Its deposit products include checking, savings, certificates of deposit, and time deposits. The bank's loan products consist of commercial loans, residential real estate loans, home equity lines of credit, installment loans, and credit card loans. Its services also include safe deposit boxes, issuance of travelers' checks, and administration of trusts. The bank primarily invests in U.S. Government and agency obligations, mortgage-backed securities, interest-bearing deposits in other financial institutions, and other investments. As of December 31, 2004, the bank operated 21 offices and 25 automated teller machines located in central and southeastern Ohio, as well as in western West Virginia. The company was formed in 1872 and is headquartered in Gallipolis, Ohio.
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