OHIO VALLEY BANC CORP

Ohio Valley Banc Corp. is an Ohio corporation that operates as a financial holding company. The company was incorporated on January 8, 1992, and began operations on October 23, 1992. Its principal executive offices are located at 420 Third Avenue, Gallipolis, Ohio 45631. Ohio Valley Banc Corp.'s common shares are listed on The NASDAQ Global Market under the symbol "OVBC." The company's primary business is banking, which management considers its single reportable segment. This is conducted through its banking subsidiary, The Ohio Valley Bank Company. The Bank has one wholly-owned subsidiary, Ohio Valley REO, LLC, which handles the sale of real estate acquired by the Bank through foreclosure. Ohio Valley Banc Corp. also owns two nonbank subsidiaries: Loan Central, Inc., which focuses on lending activities, and Ohio Valley Financial Services Agency, LLC, which facilitates the receipt of commissions from insurance sold by the Bank and Loan Central. Additionally, Ohio Valley Banc Corp. owns a wholly-owned subsidiary trust established solely to issue a trust preferred security.