<DOCUMENT>
<TYPE>EX-4
<SEQUENCE>3
<FILENAME>ex4_7.txt
<DESCRIPTION>EXHIBIT 4.7, SECOND AMENDMENT
<TEXT>
                                                                     Exhibit 4.7

                            SECOND AMENDMENT TO THE
                              WESBANCO, INC. KSOP

     Effective  January  1, 2006,  WesBanco,  Inc.,  amended  and  restated  the
WesBanco, Inc. KSOP ("Plan") for its Employees;

     WHEREAS, the Plan was amended effective January 1, 2008; and

     WHEREAS,  the Employer desires to further amend the Plan in order to change
the  definition  of  compensation  to comply with final  regulations  under Code
ss415, permit rollovers by nonspouse beneficiaries,  modify the loan provisions,
and to provide for the merger of the Oak Hill Financial,  Inc. 401(k) and Profit
Sharing Plan into the Plan.

     NOW, THEREFORE, said Plan is amended as follows:

     1.   Effective January 1, 2008, the Table of Contents and pages 16, 33, and
          35 are hereby  deleted and the  following  new Table of  Contents  and
          pages 16, 33, 33a, and 35 are substituted therefor.

     2.   Effective May 1,2008, new Article 18 (pages 62 and 63) is hereby added
          to the end thereof.

     IN WITNESS  WHEREOF,  this amendment to the WesBanco,  Inc. KSOP is, by the
authority of the Board of Directors of the  Employer,  executed on behalf of the
Employer, the 24th day of April, 2008.


                                        WesBanco, Inc.

                                        By /s/  Paul M. Limbert
                                           -------------------------------
                                                Its President & CEO

ATTEST:


/s/ Linda Woodfin
-------------------------------
Assistant Secretary

<PAGE>




                               Table of Contents

WesBanco, Inc. KSOP                                                           1

Article 1 Preface                                                             1

Article 2 Definitions                                                         3

Article 3 Eligibility and Participation                                      10

Article 4 Contributions                                                      12

Article 5 Benefits                                                           22

Article 6 Death Benefits                                                     25

Article 7 Vesting                                                            27

Article 8 Distributions                                                      28

Article 9 Accounts                                                           31

Article 10 Top-Heavy Plan Provisions                                         36

Article 11 Administration By Committee                                       41

Article 12 Allocation of Responsibilities Among Named Fiduciaries,
Management of Funds and Amendment or Termination of Plan                     43

Article 13 Miscellaneous                                                     47

Article 14 Termination of Plan and Trust, Merger or Consolidation of Plan    48

Article 15 Claims Procedure                                                  49

Article 16 Provisions Regarding Employer Stock                               51

Article 17 Special Vesting Rules for Participant Accounts from
Merged Plans                                                                 59

Article 18 Merger of Oak Hill Financial, Inc. 401(k) and Profit
Sharing Plan                                                                 62

<PAGE>


spouse or former  spouse who is the alternate  payee under a qualified  domestic
relations order, as defined in Code Section 414(p), are distributees with regard
to the interest of the spouse or former spouse. Also, a distributee includes the
Participant's  non-spouse  designated  beneficiary.  In the case of a non-spouse
beneficiary,  the direct  rollover may only be made to an individual  retirement
account or annuity  described in Code Section  408(a) or (b) that is established
on behalf of the designated Beneficiary and that will be treated as an inherited
IRA pursuant to the provisions of Code Section 402(c)(11).

     Section 4.5. Return of Employee  Deferrals.  Each Participant  shall at all
times be fully  vested in the amount in his  Employee  Deferral  Account,  but a
Participant  or his  Beneficiary  shall be  entitled  to  payment  of the amount
credited to such account only upon the occurrence of an event  described in; and
in accordance with this Article 4 or Articles 5, 6, or 7.

     Section 4.6.  Adjustment of Deferrals.  For the Plan Year beginning January
1, 2006, in order to ensure that the Plan remains  qualified  under Code Section
401(k),  the Committee shall monitor the amount of Employee deferrals elected by
Participants and determine  whether they satisfy the Actual Deferral  Percentage
Test referred to in the next paragraph.  If necessary,  the Committee shall take
appropriate  action and may direct that the amount of Employee deferrals elected
by one or  more  Participants  shall  be  adjusted  so  that  the  Plan  remains
qualified;  provided,  that in  taking  such  action  the  Committee  shall  not
discriminate in favor of Highly Compensated Employees.

The Actual Deferral Percentage Test is satisfied only if:

     (a)  The Actual Deferral  Percentage for Eligible  Employees who are Highly
          Compensated  Employees is not more than the Actual Deferral Percentage
          for all other Eligible Employees for the Plan Year multiplied by 1.25,
          or

     (b)  The excess of the Actual  Deferral  Percentage for Eligible  Employees
          who  are  Highly  Compensated   Employees  over  the  Actual  Deferral
          Percentage for all other  Eligible  Employees for the Plan Year is not
          more than two percentage  points,  and the Actual Deferral  Percentage
          for Eligible  Employees  who are Highly  Compensated  Employees is not
          more  than the  Actual  Deferral  Percentage  for all  other  Eligible
          Employees for the Plan Year multiplied by 2.0.

For purposes of this Section  4.6, the  following  terms shall have the meanings
hereinafter set forth:

     (a)  The term "Eligible Employee" shall mean an Employee who is directly or
          indirectly  eligible to make an Employee deferral under the Plan for a
          Plan Year.

     (b)  The term "Actual Deferral  Percentage" shall mean, with respect to the
          group of Eligible Employees who are Highly  Compensated  Employees and
          with respect to the group of all other Eligible Employees, the average
          (expressed  as a  percentage)  of the  Actual  Deferral  Ratios of the
          Employees in each group.

     (c)  The term "Actual  Deferral Ratio" shall mean the ratio (expressed as a
          percentage) of the Employee  deferrals taken into account for purposes
          of this test  pursuant  to  Section  4.1 on  behalf  of each  Eligible
          Employee for the Plan Year, and Qualified Matching  Contributions,  if
          any,  to the  Eligible  Employee's  Compensation  for the  Plan  Year.
          However, if an Eligible Employee who is a Highly Compensated  Employee
          is eligible to make  Employee  deferrals  under two or more  qualified
          plans maintained by the Employer or a Related Employer, his

3/31/2008                          16        Second Amendment Effective 1/1/2008

<PAGE>


     For  Limitation  Years  beginning  after December 31, 1997, for purposes of
applying the  limitations of this Section,  Compensation  paid or made available
during such Limitation  Year shall include any elective  deferral (as defined in
Code Section  402(g)3)),  and any amount which is contributed or deferred by the
Employer at the  election of the  Employee  and which is not  includible  in the
gross income of the employee by reason of Code Sections 125, 132(f), or 457.

     Compensation for any Limitation Year is the  Compensation  actually paid or
includable in gross income during such year.

     For Limitation Years beginning on or after July 1, 2007, Compensation for a
Limitation  Year  shall  also  include  Compensation  paid by the later of 2 1/2
months after a Participant's  severance from employment with the Employer or the
end of the Limitation Year that includes the date of the Participant's severance
from employment, if:

     (a)  the  payment  is  regular   compensation   for  services   during  the
          Participant's  regular  working hours,  or  compensation  for services
          outside the  Participant's  regular working hours (such as overtime or
          shift  differential,  commissions,  bonuses or other similar payments,
          and, absent a severance from employment,  the payments would have been
          paid to the Participant while the Participant continued in employment,
          or

     (b)  the payment is for unused accrued bona fide sick,  vacation,  or other
          leave that the  Participant  would have been able to use if employment
          had continued, or

     (c)  the payment is received by the Participant  pursuant to a nonqualified
          unfunded  deferred  compensation  plan and would have been paid at the
          same  time  if  employment  had  continued,  but  only  to the  extent
          includible in gross income.

     Notwithstanding  the preceding  paragraph,  Compensation shall also include
payments  to an  individual  who does not  currently  perform  services  for the
Employer by reason of  qualified  military  service  (within the meaning of Code
Section  414(u)(1))  to the extent these  payments do not exceed the amounts the
individual  would have  received  if the  individual  had  continued  to perform
services for the Employer rather than entering qualified military service.

     Any payments not  described in the preceding  two  paragraphs  shall not be
considered  Compensation  for purposes of this  Article if paid after  severance
from employment with the Employer.

     Back pay, within the meaning of Section  1.415(c)-2(g)(8) of the Income Tax
Regulations,  shall be treated as Compensation  for the Limitation Year to which
the  back  pay  relates  to  the  extent  the  back  pay  represents  wages  and
compensation that would otherwise be included under this definition.

     Compensation  for any  Limitation  Year shall not include any amounts  that
exceed the compensation  limit under Code Section 401(a)(17) for that Limitation
Year.

11/8/2006                          33         First Amendment Effective 1/1/2007
3/25/2008                                    Second Amendment Effective 1/1/2008

<PAGE>


     Annual  additions  shall  mean the  aggregate  of  Employer  contributions,
Employee deferrals,  forfeitures and the Participant's  voluntary  contributions
allocated to each Participant's accounts during the Limitation Year in question.
Annual additions shall also include amounts allocated,  after March 31, 1984, to
an individual medical account,  as defined in Code Section  415(1)(2),  which is
part of a pension or annuity plan maintained by the Employer and amounts derived
from  contributions  paid or accrued  after  December 31, 1985, in taxable years
ending  after such  date,  which are  attributable  to  post-retirement  medical
benefits  allocated to the separate  account of a "key  employee," as defined in
Code  Section  419A(d)(3),  under a welfare  benefit  fund,  as  defined in Code
Section 419(e), maintained by the Employer.

     If, due to reasonable  error in estimating  Compensation or determining the
amount of deferrals that could be made for a Participant,  the annual  additions
made to the Plan on behalf of any Participant  exceed the maximum,  the Employer
shall treat the excess amount of such annual additions as follows:

     (a)  So much of the  Participant's  deferrals  (and earnings  thereon) that
          cause  the  Participant's   accounts  to  exceed  the  maximum  annual
          additions shall be returned to the Participant,  and the corresponding
          Employer  matching  contributions  shall  be  held  unallocated  in  a
          suspense  account for the Limitation Year and reallocated as described
          below.

     (b)  Any  excess  amounts  in  the  Participant's   Employer  Discretionary
          Contribution Account and Employer Matching  Contribution Account shall
          be treated as a forfeiture and shall be held in a suspense account for
          the  Limitation  Year and shall be allocated  and  reallocated  to the
          Participants'  accounts in the next succeeding  Limitation Year before
          any Employer contributions which would constitute annual additions may
          be made to the Plan for that  Limitation  Year.  Such  amounts must be
          used to reduce the Employer  contributions  in that  Limitation  Year
          (and succeeding Limitation Years, as necessary).

     (c)  Notwithstanding  any other  provision of the Plan,  the Employer shall
          not contribute any amount that would cause an allocation to a suspense
          account  as  of  the  date  the  contribution  is  allocated.  If  the
          contribution  is  made  prior  to the  date  as of  which  it is to be
          allocated,  then such  contribution  shall not  exceed an amount  that
          would  cause an  allocation  to the  suspense  account  if the date of
          contribution were an Adjustment Date.

11/8/2006                          33a        First Amendment Effective 1/1/2007
3/25/2008                                    Second Amendment Effective 1/1/2008

<PAGE>




     (1)  Responsible  Party.  The Committee  shall be responsible for all loans
          made under the Plan.  The  Committee  may,  however,  establish a loan
          committee to assist the Committee in administering the loan program.

     (2)  Loan  Application.  An  application  for a loan  shall  be made to the
          Committee's representative in a form approved by the Committee.

     (3)  Amount of Loan.  The minimum loan amount shall be $1,000.  The maximum
          loan amount shall be governed by this Section of the Plan.

     (4)  Interest  Rate.  Each loan shall bear  interest at a reasonable  rate,
          based on the prime rate,  established  by the Committee as of the date
          the loan is made.  Such rate must be  commensurate  with the  interest
          rates  charged by persons in the  business of lending  money for loans
          that would be made under similar circumstances.

     (5)  Term of Loan. Except as otherwise provided below, the term of any loan
          shall  be set by  mutual  agreement  between  the  Committee  and  the
          borrower,  but such  term  shall in no event  exceed  five (5)  years.
          Notwithstanding  the  above,  the term of any loan  used to  acquire a
          principal  residence of a Participant may exceed 5 years, but shall in
          no event exceed 10 years.

     (6)  Collateral.   Each  loan  shall  be  made  against  collateral,   such
          collateral  being the assignment of up to 50 percent of the borrower's
          entire  right,  title  and  vested  interest  in and  to his  Employee
          Deferral Account, Employer Matching Contribution Account, and Employee
          Rollover  Contribution Account supported by the borrower's  promissory
          note for the amount of the loan,  including  interest,  payable to the
          order of the Trustee.  For loans used to acquire a principal residence
          of a  Participant,  additional  collateral  in the form of a  mortgage
          against the principal residence in question may be required.

     (7)  Loan Repayment.  Repayment of loans shall be made in equal  quarterly,
          monthly,  semi-monthly or weekly  installments  by payroll  deduction,
          cash, or both as specified in the loan agreement.  Substantially level
          amortization  (with payments not less  frequently  than  quarterly) is
          required  over the term of the loan.  A  borrower  who is on an unpaid
          leave of absence must continue to make loan repayments.

     (8)  Number of Loans.  A  borrower  may have only one loan  outstanding  at
          any one time. A borrower may receive more than one loan per year.

     (9)  Effect on Plan Assets. In the event of a loan, the amount of such loan
          shall be  removed  first  from  the  Participant's  Employee  Deferral
          Account  then from his  Employer  Matching  Contribution  and Employee
          Rollover  Contribution  Account  and  transferred  to a  special  loan
          account  in the  name  of the  borrower.  As of each  Adjustment  Date
          following  the  making of the loan and until the loan is  repaid,  all
          payments on the loan,  including  interest,  shall be reallocated from
          the  Participant's  loan  account  to the  accounts  specified  in the
          preceding sentence in the same order of removal in accordance with the
          borrower's investment election in effect at that time.

     (10) Default.  In the event payments of principal and interest are not made
          on a timely  basis,  the Committee may either call the loan in full or
          charge  a late  penalty  fee at  such  rate  as  the  Committee  shall
          establish from time to time. If a loan is called due to a default in

11/8/2006                          35         First Amendment Effective 1/1/2007
3/25/2008                                    Second Amendment Effective 1/1/2008

<PAGE>


                                   Article 18

              Merger of Oak Hill Financial, Inc. 401(k) and Profit

                                  Sharing Plan

Section 18.1. Plan Merger.  Effective May 1, 2008 (the "Merger Effective Date"),
the Oak Hill  Financial,  Inc.  401(k)  and Profit  Sharing  Plan (the "Oak Hill
401(k)  Plan") is merged  with and into this  Plan.  The Plan  shall,  as of the
Merger Effective Date, assume all obligations of the Oak Hill 40l(k) Plan and be
responsible  for  payment of all  vested  account  balances  under the terms and
provisions  of the Oak Hill  401(k)  Plan for (i)  participants  in the Oak Hill
401(k) Plan  immediately  prior to the Merger  Effective  Date,  and (ii) former
participants and  beneficiaries  with vested account balances under the Oak Hill
401(k) Plan immediately  prior to the Merger  Effective Date. Such  participants
and beneficiaries  shall, as of the Merger Effective Date,  automatically become
Participants  and  Beneficiaries  under this Plan.  The Plan shall  provide  for
payment of benefits with the assets  transferred to the Trust  accompanying  the
Plan as set forth in Section 18.2 herein.

Section  18.2.  Transfer of Plan Assets.  Effective  as of the Merger  Effective
Date,  the assets of the Oak Hill 401(k) Plan,  which are held by the trustee of
the trust  accompanying  the Oak Hill 401(k) Plan,  shall  become  assets of the
Plan,  and  shall be  transferred  to the  Trustee  as soon as  administratively
feasible following the Merger Effective Date, which such assets shall be held by
the Trustee under the provisions of the Plan and its accompanying  Trust for the
exclusive benefit of Participants and Beneficiaries  under the post-merger Plan,
as provided under the terms and provisions hereof.  Any unallocated  forfeitures
that are  transferred to the Plan from the Oak Hill 401(k) Plan shall be used to
reduce Employer contributions on behalf of any Participant in the Plan.

Section 18.3. Code Section 401(a)(12) Requirements.  As required by Code Section
401(a)(12),  each Participant  shall (as if the Plan then terminated)  receive a
benefit  immediately  after the merger and transfer  contemplated  under Section
18.2  above,  which is equal to or greater  than the  benefit he would have been
entitled to receive  immediately  before such  transfer and merger (as if either
the Oak Hill 401(k) Plan or the Plan had then terminated.)

Section 18.4.  Segregation of Transferred  Accounts.  Amounts transferred to the
Plan  pursuant  to Section  18.2 above shall be  segregated  and  accounted  for
separately for

3/25/2008                          62        Second Amendment Effective 1/1/2008

<PAGE>

recordkeeping   purposes.   Such  amounts   shall  be   maintained  in  separate
sub-accounts based on their original  contribution  source and shall be referred
to collectively as "Oak Hill 401(k) Plan Accounts." Except as otherwise provided
in this  Article,  these Oak Hill 401(k) Plan  Accounts  shall be treated in the
same  manner as all other  accounts  maintained  under the Plan.

Section  18.5.  Vesting.  For  purposes  of  Section  2.41  of  this  Plan,  all
Participants  who were  participants in the Oak Hill 401(k) Savings Plan,  shall
receive  credit  for  their  Years  of  Service  for  vesting  credited  to  the
Participant as of April 30, 2008, under the terms of the Oak Hill 401(k) Plan.

All Participants  who were  participants in the Oak Hill 401(k) Plan as of April
30,  2008,  shall be fully vested as of the Merger  Effective  Date in their Oak
Hill 401(k) Plan Accounts attributable to employer matching  contributions.  All
such  Participants  as of the Merger  Effective  Date  shall  have their  vested
interest  in their  Oak Hill  401(k)  Plan  Accounts  attributable  to  employer
discretionary  contributions  determined  in  accordance  with  Section  7.1(c).
However, a Participant who was a participant in the Oak Hill Plan and who incurs
a  disability  within the  meaning of section  2.21 of the Oak Hill  401(k) Plan
while  actively  employed by the Employer that would not  constitute a permanent
disability  within the meaning of Section 5.3 of this Plan shall be fully vested
in his Oak Hill  401(k) Plan  Account  attributable  to  employer  discretionary
contributions.

Notwithstanding the foregoing, a Participant's vested interest in his or her Oak
Hill 401(k) Plan Account  attributable to employer  discretionary  contributions
shall not be less at any time on or after May 1,  2008,  then his or her  vested
percentage  as of April 30, 2008 as  determined  under the terms of the Oak Hill
401(k) Plan.

Section 18.6. Pre-Retirement Distribution.  Notwithstanding any other provisions
of this Plan,  once  during each Plan Year,  a  Participant,  by giving  written
notice to the Plan  Administrator,  may elect to receive  all or any part of the
Participant's   Oak  Hill  40l(k)  Plan   Accounts   attributable   to  rollover
contributions  made  prior  to  May 1,  2008,  without  regard  to  whether  the
Participant has terminated employment.

3/25/2008                          63        Second Amendment Effective 1/1/2008


</TEXT>
</DOCUMENT>
