Ohio Valley Banc Corp is a bank holding company for The Ohio Valley Bank Company (the Bank), the Company's wholly owned subsidiary. The Company has another wholly owned subsidiary, Loan Central, Inc. The Bank is a full-service financial institution offering a blend of commercial, retail and agricultural banking services. Loans of all types and checking, savings and time deposits are offered, along with such services as safe deposit boxes, issuance of travelers' checks and administration of trusts. Loan Central, a consumer finance company, offers smaller balance consumer loans to individuals with higher credit risk histories and tax services. In addition to originating loans, the Bank invests in United States Government and agency obligations, interest-bearing deposits in other financial institutions and other investments.