EXHIBIT 10.9

                           SUMMARY OF COMPENSATION FOR
                       DIRECTORS OF OHIO VALLEY BANC CORP.

     All of the directors of Ohio Valley Banc Corp.  ("Ohio  Valley") also serve
as directors of its subsidiary,  The Ohio Valley Bank Company (the "Bank").  The
directors  of Ohio  Valley are paid by the Bank for their  services  rendered as
directors of the Bank, not Ohio Valley.  Each director of the Bank who is not an
employee of Ohio Valley or any of its subsidiaries (a  "Non-Employee  Director")
receives $550 per month for his or her  services.  Each director of the Bank who
is an  employee  of  Ohio  Valley  or  any  of its  subsidiaries  (an  "Employee
Director")  receives $350 per month for his or her services.  In addition,  each
director of the Bank receives an annual  retainer of $14,700 paid in December of
each year for services to be rendered during the following year.

     Each  Non-Employee  Director who is a member of the Executive  Committee of
the Bank receives fees of $36,000  annually.  This figure was pro-rated for time
served for new members.  Employee  Directors receive no additional  compensation
for serving on the Executive Committee.

     The Bank also maintains a life insurance  policy for all directors with a
death benefit of two times annual director fees as part of the Bank's group term
life insurance program.  The Bank also maintains a Director Retirement Plan for
all directors of the Bank and a Deferred Compensation Plan for all directors and
executive  officers  of the Bank.  These  documents  are filed as Exhibit  10.1,
Exhibit  10.3,  Exhibit  10.7(a)  and  Exhibit  10.7(b),  respectively,  to Ohio
Valley's  Annual Report on Form 10-K for the fiscal year ended December 31, 2006
(SEC File No. 0-20914).