Ohio Valley Banc Corp. is a holding company for Ohio Valley Bank. The Bank is primarily engaged in commercial and retail banking. It offers a blend of commercial and consumer banking services including the acceptance of deposits in checking, savings, time and money market accounts; the making and servicing of personal, commercial, floor plan and student loans; and the making of construction and real estate loans. Ohio Valley Bank also offers individual retirement accounts, safe deposit boxes, wire transfers and other standard banking products and services. As part of its lending function, the Bank offers credit card services.