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  <xsd:element id="ovbc_IncomeFromBankOwnedLifeInsuranceAndAnnuityAssets" name="IncomeFromBankOwnedLifeInsuranceAndAnnuityAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_IncomeTaxRateReconciliationBusinessCombinationRelatedCosts" name="IncomeTaxRateReconciliationBusinessCombinationRelatedCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_IncomeTaxReconciliationEffectOfPostretirementBenefits" name="IncomeTaxReconciliationEffectOfPostretirementBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_IncomeTaxReconciliationNontaxableLifeInsuranceDeathProceeds" name="IncomeTaxReconciliationNontaxableLifeInsuranceDeathProceeds" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_IncreaseDecreaseInOperatingLeaseRightofuseAssets" name="IncreaseDecreaseInOperatingLeaseRightofuseAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_InterestOnlyPaymentsMember" name="InterestOnlyPaymentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_InterestPayableFairValue" name="InterestPayableFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ovbc_InterestReceivableFairValue" name="InterestReceivableFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="ovbc_LitigationSettlementPeriodForBankToProcessTaxpayerRefunds" name="LitigationSettlementPeriodForBankToProcessTaxpayerRefunds" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_LoansAndLeasesReceivableRelatedPartiesOtherChanges" name="LoansAndLeasesReceivableRelatedPartiesOtherChanges" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_LoansDisbursedForSale" name="LoansDisbursedForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_MaturitiesOfTimeDepositsTableTextBlock" name="MaturitiesOfTimeDepositsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_MinimumLoanBalanceForLoansEvaluatedByRiskCategories" name="MinimumLoanBalanceForLoansEvaluatedByRiskCategories" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="ovbc_MinimumRelatedPartyLoan" name="MinimumRelatedPartyLoan" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ovbc_NontaxableInterestIncomeMember" name="NontaxableInterestIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_OtherBorrowingsFairValue" name="OtherBorrowingsFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ovbc_OtherConsumerLoansMember" name="OtherConsumerLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_OtherRealEstateGross" name="OtherRealEstateGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="ovbc_OtherthantemporaryImpairmentPolicyPolicyTextBlock" name="OtherthantemporaryImpairmentPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_PaymentsToAcquireCertificatesOfDeposit" name="PaymentsToAcquireCertificatesOfDeposit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_PercentageOfLoanPortfolio" name="PercentageOfLoanPortfolio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="ovbc_PerformingAndNonperformingLoansTableTextBlock" name="PerformingAndNonperformingLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_PeriodOfActualLossHistoryExperienced" name="PeriodOfActualLossHistoryExperienced" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_ProceedsFromBOLIAndAnnuityAssetsNotSettled" name="ProceedsFromBOLIAndAnnuityAssetsNotSettled" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_ProceedsFromMaturityOfCertificatesOfDeposit" name="ProceedsFromMaturityOfCertificatesOfDeposit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_PromissoryNotePayableToDirectorsAndAffiliatesMember" name="PromissoryNotePayableToDirectorsAndAffiliatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_PromissoryNotesMember" name="PromissoryNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_PropertyPlantAndEquipmentGrossHeldForSale" name="PropertyPlantAndEquipmentGrossHeldForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="ovbc_PropertyPlantAndEquipmentNetHeldForSale" name="PropertyPlantAndEquipmentNetHeldForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ovbc_ReductionOfPrincipalAndInterestPaymentsMember" name="ReductionOfPrincipalAndInterestPaymentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_ScheduleOfInterestBearingDepositsTableTextBlock" name="ScheduleOfInterestBearingDepositsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_ScheduleOfLoansIndividuallyEvaluatedForImpairmentTableTextBlock" name="ScheduleOfLoansIndividuallyEvaluatedForImpairmentTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_ScheduleOfRecordedInvestmentInNonaccrualLoansTableTextBlock" name="ScheduleOfRecordedInvestmentInNonaccrualLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_SellingCostsPercentage" name="SellingCostsPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_SoftwareExpense" name="SoftwareExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_TimeDepositsLessThanFdicInsuranceLimit" name="TimeDepositsLessThanFdicInsuranceLimit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ovbc_TroubledDebtRestructuringsMember" name="TroubledDebtRestructuringsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_TroubledDebtRestructuringsOnFinancingReceivablesPreAndPostModificationTableTextBlock" name="TroubledDebtRestructuringsOnFinancingReceivablesPreAndPostModificationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="ovbc_TrustPreferredSecuritiesInterestRate" name="TrustPreferredSecuritiesInterestRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ovbc_UnsecuredMember" name="UnsecuredMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_VariableRateCommitmentsMember" name="VariableRateCommitmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-a-summary-of-significant-accounting-policies-composition-of-loan-portfolio-details" name="statement-statement-note-a-summary-of-significant-accounting-policies-composition-of-loan-portfolio-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-a-summary-of-significant-accounting-policies-tables" name="statement-statement-note-a-summary-of-significant-accounting-policies-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-b-securities-securities-availableforsale-details" name="statement-statement-note-b-securities-securities-availableforsale-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-b-securities-securities-availableforsale-with-unrealized-losses-details" name="statement-statement-note-b-securities-securities-availableforsale-with-unrealized-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-b-securities-securities-by-contractual-maturity-details" name="statement-statement-note-b-securities-securities-by-contractual-maturity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-b-securities-securities-held-to-maturity-with-unrealized-losses-details" name="statement-statement-note-b-securities-securities-held-to-maturity-with-unrealized-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-b-securities-securities-heldtomaturity-details" name="statement-statement-note-b-securities-securities-heldtomaturity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-b-securities-tables" name="statement-statement-note-b-securities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-c-loans-and-allowance-for-loan-losses-allowance-for-loan-losses-activity-by-portfolio-segment-details" name="statement-statement-note-c-loans-and-allowance-for-loan-losses-allowance-for-loan-losses-activity-by-portfolio-segment-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-c-loans-and-allowance-for-loan-losses-allowance-for-loan-losses-and-the-recorded-investment-of-loans-based-on-impairment-method-details" name="statement-statement-note-c-loans-and-allowance-for-loan-losses-allowance-for-loan-losses-and-the-recorded-investment-of-loans-based-on-impairment-method-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-c-loans-and-allowance-for-loan-losses-loans-details" name="statement-statement-note-c-loans-and-allowance-for-loan-losses-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-c-loans-and-allowance-for-loan-losses-loans-individually-evaluated-for-impairment-details" name="statement-statement-note-c-loans-and-allowance-for-loan-losses-loans-individually-evaluated-for-impairment-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-c-loans-and-allowance-for-loan-losses-nonaccrual-loans-and-loans-past-due-90-days-or-more-and-still-accruing-details" name="statement-statement-note-c-loans-and-allowance-for-loan-losses-nonaccrual-loans-and-loans-past-due-90-days-or-more-and-still-accruing-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-c-loans-and-allowance-for-loan-losses-past-due-loans-details" name="statement-statement-note-c-loans-and-allowance-for-loan-losses-past-due-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-c-loans-and-allowance-for-loan-losses-recorded-investment-of-residential-and-consumer-loans-details" name="statement-statement-note-c-loans-and-allowance-for-loan-losses-recorded-investment-of-residential-and-consumer-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-c-loans-and-allowance-for-loan-losses-risk-category-of-commercial-loans-by-class-of-loans-details" name="statement-statement-note-c-loans-and-allowance-for-loan-losses-risk-category-of-commercial-loans-by-class-of-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-c-loans-and-allowance-for-loan-losses-tables" name="statement-statement-note-c-loans-and-allowance-for-loan-losses-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-c-loans-and-allowance-for-loan-losses-tdr-loan-modifications-details" name="statement-statement-note-c-loans-and-allowance-for-loan-losses-tdr-loan-modifications-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-c-loans-and-allowance-for-loan-losses-tdrs-premodification-and-postmodification-details" name="statement-statement-note-c-loans-and-allowance-for-loan-losses-tdrs-premodification-and-postmodification-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-d-premises-and-equipment-premises-and-equipment-details" name="statement-statement-note-d-premises-and-equipment-premises-and-equipment-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-d-premises-and-equipment-premises-and-equipment-held-for-sale-details" name="statement-statement-note-d-premises-and-equipment-premises-and-equipment-held-for-sale-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-d-premises-and-equipment-tables" name="statement-statement-note-d-premises-and-equipment-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-e-leases-lease-cost-and-information-details" name="statement-statement-note-e-leases-lease-cost-and-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-e-leases-operating-lease-maturities-details" name="statement-statement-note-e-leases-operating-lease-maturities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-e-leases-tables" name="statement-statement-note-e-leases-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-f-goodwill-and-intangible-assets-future-estimated-amortization-expense-details" name="statement-statement-note-f-goodwill-and-intangible-assets-future-estimated-amortization-expense-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-f-goodwill-and-intangible-assets-goodwill-details" name="statement-statement-note-f-goodwill-and-intangible-assets-goodwill-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-f-goodwill-and-intangible-assets-intangible-assets-details" name="statement-statement-note-f-goodwill-and-intangible-assets-intangible-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-f-goodwill-and-intangible-assets-tables" name="statement-statement-note-f-goodwill-and-intangible-assets-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-g-deposits-interestbearing-deposits-details" name="statement-statement-note-g-deposits-interestbearing-deposits-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-g-deposits-tables" name="statement-statement-note-g-deposits-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-g-deposits-time-deposits-details" name="statement-statement-note-g-deposits-time-deposits-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-i-other-borrowed-funds-other-borrowed-funds-details" name="statement-statement-note-i-other-borrowed-funds-other-borrowed-funds-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-i-other-borrowed-funds-scheduled-principal-payments-details" name="statement-statement-note-i-other-borrowed-funds-scheduled-principal-payments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-i-other-borrowed-funds-tables" name="statement-statement-note-i-other-borrowed-funds-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-k-income-taxes-deferred-tax-assets-and-deferred-tax-liabilities-details" name="statement-statement-note-k-income-taxes-deferred-tax-assets-and-deferred-tax-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-k-income-taxes-income-tax-reconciliation-details" name="statement-statement-note-k-income-taxes-income-tax-reconciliation-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-k-income-taxes-provision-for-income-taxes-details" name="statement-statement-note-k-income-taxes-provision-for-income-taxes-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-k-income-taxes-tables" name="statement-statement-note-k-income-taxes-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-l-commitments-and-contingent-liabilities-commitments-details" name="statement-statement-note-l-commitments-and-contingent-liabilities-commitments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-l-commitments-and-contingent-liabilities-tables" name="statement-statement-note-l-commitments-and-contingent-liabilities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-m-related-party-transactions-related-party-loans-details" name="statement-statement-note-m-related-party-transactions-related-party-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-m-related-party-transactions-tables" name="statement-statement-note-m-related-party-transactions-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-n-employee-benefits-employee-stock-ownership-plan-esop-details" name="statement-statement-note-n-employee-benefits-employee-stock-ownership-plan-esop-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-n-employee-benefits-tables" name="statement-statement-note-n-employee-benefits-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-o-fair-value-of-financial-instruments-assets-and-liabilities-measured-at-fair-value-on-a-recurring-and-nonrecurring-basis-details" name="statement-statement-note-o-fair-value-of-financial-instruments-assets-and-liabilities-measured-at-fair-value-on-a-recurring-and-nonrecurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-o-fair-value-of-financial-instruments-fair-value-measurements-details" name="statement-statement-note-o-fair-value-of-financial-instruments-fair-value-measurements-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-o-fair-value-of-financial-instruments-level-3-fair-value-measurements-details" name="statement-statement-note-o-fair-value-of-financial-instruments-level-3-fair-value-measurements-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-o-fair-value-of-financial-instruments-tables" name="statement-statement-note-o-fair-value-of-financial-instruments-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-p-regulatory-matters-capital-requirements-details" name="statement-statement-note-p-regulatory-matters-capital-requirements-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-p-regulatory-matters-tables" name="statement-statement-note-p-regulatory-matters-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-q-parent-company-only-condensed-financial-information-condensed-statements-of-cash-flows-details" name="statement-statement-note-q-parent-company-only-condensed-financial-information-condensed-statements-of-cash-flows-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-q-parent-company-only-condensed-financial-information-condensed-statements-of-condition-details" name="statement-statement-note-q-parent-company-only-condensed-financial-information-condensed-statements-of-condition-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-q-parent-company-only-condensed-financial-information-condensed-statements-of-income-details" name="statement-statement-note-q-parent-company-only-condensed-financial-information-condensed-statements-of-income-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-q-parent-company-only-condensed-financial-information-tables" name="statement-statement-note-q-parent-company-only-condensed-financial-information-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-r-segment-information-segment-reporting-details" name="statement-statement-note-r-segment-information-segment-reporting-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-r-segment-information-tables" name="statement-statement-note-r-segment-information-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-s-consolidated-quarterly-financial-information-unaudited-consolidated-quarterly-financial-information-unaudited-details" name="statement-statement-note-s-consolidated-quarterly-financial-information-unaudited-consolidated-quarterly-financial-information-unaudited-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-note-s-consolidated-quarterly-financial-information-unaudited-tables" name="statement-statement-note-s-consolidated-quarterly-financial-information-unaudited-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ovbc_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
