OVBC Announces Cash Dividend

                         OVBC Announces Cash Dividend

PR Newswire

GALLIPOLIS, Ohio, Nov. 27, 2012

GALLIPOLIS, Ohio, Nov. 27, 2012 /PRNewswire/ --Today, November 27, 2012, the
Ohio Valley Banc Corp. [Nasdaq: OVBC] Board of Directors declared a cash
dividend payable on December 14, 2012, in the amount of $0.21 per common share
to shareholders of record on December 7, 2012. The Board determined to
declare and pay early the dividend that normally would be considered for
payment in February 2013.

Thomas E. Wiseman, President and Chief Executive Officer, commented, "The
prepayment of the first quarter 2013 dividend, in the fourth of quarter of
2012, is based on Ohio Valley Banc Corp.'s stable capital position, financial
performance for the first nine months of 2012, and potential changes in tax
rates that could adversely affect America's taxpayers, including Ohio Valley
Banc Corp.'s shareholders, in 2013."

Ohio Valley Banc Corp. owns two subsidiaries: Ohio Valley Bank and Loan
Central. Ohio Valley Bank is a state-chartered, FDIC-insured bank operating 15
offices in Ohio and West Virginia. Loan Central is a finance company with
seven offices in Ohio. Ohio Valley Banc Corp. stock is traded on The NASDAQ
Global Market under the symbol OVBC. The company's Web site is www.ovbc.com.

Contact: Scott Shockey or Bryna Butler, (740) 446-2631, 1-800-468-6682

SOURCE Ohio Valley Banc Corp.

Website: http://www.ovbc.com
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