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      <link:roleType roleURI="http://ovbc.com/role/LeasesComponentsOfLeaseCostDetails" id="LeasesComponentsOfLeaseCostDetails">
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  <xs:element name="NonownerOccupiedMember" id="ovbc_NonownerOccupiedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OwnerOccupiedMember" id="ovbc_OwnerOccupiedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="RecordedInvestmentOfResidentialAndConsumerLoansTableTextBlock" id="ovbc_RecordedInvestmentOfResidentialAndConsumerLoansTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TroubledDebtRestructuringsOnFinancingReceivablesPreAndPostModificationTableTextBlock" id="ovbc_TroubledDebtRestructuringsOnFinancingReceivablesPreAndPostModificationTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OtherLoanMember" id="ovbc_OtherLoanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="RecordedInvestmentInNonaccrualAndLoansPastDueOver90DaysStillOnAccrualByClassOfLoansAbstract" id="ovbc_RecordedInvestmentInNonaccrualAndLoansPastDueOver90DaysStillOnAccrualByClassOfLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommercialUnsecuredSBAPaycheckProtectionProgramMember" id="ovbc_CommercialUnsecuredSBAPaycheckProtectionProgramMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ServiceChargesOnDepositAccounts" id="ovbc_ServiceChargesOnDepositAccounts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="TrustFees" id="ovbc_TrustFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="SoftwareExpense" id="ovbc_SoftwareExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="ElectronicRefundCheckDepositFees" id="ovbc_ElectronicRefundCheckDepositFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="FeesAndCommissionsCreditCardsDebitCards" id="ovbc_FeesAndCommissionsCreditCardsDebitCards" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="IncomeFromBankOwnedLifeInsuranceAndAnnuityAssets" id="ovbc_IncomeFromBankOwnedLifeInsuranceAndAnnuityAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="TaxPreparationFees" id="ovbc_TaxPreparationFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="InterestOnlyPaymentsMember" id="ovbc_InterestOnlyPaymentsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ReductionOfPrincipalAndInterestPaymentsMember" id="ovbc_ReductionOfPrincipalAndInterestPaymentsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance" id="ovbc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ChangeInTroubledDebtRestructurings" id="ovbc_ChangeInTroubledDebtRestructurings" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivablesTroubledDebtRestructuringIncreaseDecreaseInLoans" id="ovbc_FinancingReceivablesTroubledDebtRestructuringIncreaseDecreaseInLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithNoRelatedAllowanceAbstract" id="ovbc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithNoRelatedAllowanceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoansIndividuallyEvaluatedForImpairmentByClassOfLoansAbstract" id="ovbc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithRelatedAllowanceAbstract" id="ovbc_LoansIndividuallyEvaluatedForImpairmentByClassOfLoansWithRelatedAllowanceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ConsumerAndResidentialPortfolioSegmentMember" id="ovbc_ConsumerAndResidentialPortfolioSegmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoansReceivablePercentageOfUnsecuredLoans" id="ovbc_LoansReceivablePercentageOfUnsecuredLoans" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="SubordinatedDebenturesAndTrustPreferredSecuritiesAbstract" id="ovbc_SubordinatedDebenturesAndTrustPreferredSecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SubordinatedDebenturesAndTrustPreferredSecuritiesTextBlock" id="ovbc_SubordinatedDebenturesAndTrustPreferredSecuritiesTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SubordinatedDebentureAndTrustPreferredSecuritiesAbstract" id="ovbc_SubordinatedDebentureAndTrustPreferredSecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DebtInstrumentTermOfVariableRate" id="ovbc_DebtInstrumentTermOfVariableRate" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SubordinatedDebenturesAllowedToRedeemableDate" id="ovbc_SubordinatedDebenturesAllowedToRedeemableDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TrustPreferredSecuritiesInterestPayableTerm" id="ovbc_TrustPreferredSecuritiesInterestPayableTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TrustPreferredSecuritiesDeferrablePeriodForNotConsideringDefault" id="ovbc_TrustPreferredSecuritiesDeferrablePeriodForNotConsideringDefault" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TrustPreferredSecuritiesInterestRate" id="ovbc_TrustPreferredSecuritiesInterestRate" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="DeferredTaxAssetsPurchaseAccountingAdjustments" id="ovbc_DeferredTaxAssetsPurchaseAccountingAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxLiabilitiesRightOfUseAsset" id="ovbc_DeferredTaxLiabilitiesRightOfUseAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="OperatingLossCarryforwardsAbstract" id="ovbc_OperatingLossCarryforwardsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DeferredTaxLiabilitiesUnrealizedGainsOnAvailableforsaleSecurities" id="ovbc_DeferredTaxLiabilitiesUnrealizedGainsOnAvailableforsaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="DeferredTaxAssetsLeaseLiability" id="ovbc_DeferredTaxAssetsLeaseLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CARESActMember" id="ovbc_CARESActMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableModificationsNumberOfContractsNonTroubleDebtRestructurings" id="ovbc_FinancingReceivableModificationsNumberOfContractsNonTroubleDebtRestructurings" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="MinimumLoanBalanceForLoansEvaluatedByRiskCategories" id="ovbc_MinimumLoanBalanceForLoansEvaluatedByRiskCategories" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableModificationsNonTroubleDebtRestructuringCumulativeNumberOfContracts" id="ovbc_FinancingReceivableModificationsNonTroubleDebtRestructuringCumulativeNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableTroubledDebtRestructuringNumberOfContractsOccurred" id="ovbc_FinancingReceivableTroubledDebtRestructuringNumberOfContractsOccurred" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableTroubledDebtRestructuringPastDue90DaysOrMore" id="ovbc_FinancingReceivableTroubledDebtRestructuringPastDue90DaysOrMore" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="CumulativeLoansModifiedNonTroubleDebtRestructuring" id="ovbc_CumulativeLoansModifiedNonTroubleDebtRestructuring" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableTroubledDebtRestructuringRecordedInvestment" id="ovbc_FinancingReceivableTroubledDebtRestructuringRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PaymentsRelatedToDispositionOfBusiness" id="ovbc_PaymentsRelatedToDispositionOfBusiness" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="AccretionOfPurchaseAccountingAdjustments" id="ovbc_AccretionOfPurchaseAccountingAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="IncreaseDecreaseInOperatingLeaseRightofuseAssets" id="ovbc_IncreaseDecreaseInOperatingLeaseRightofuseAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="LoansDisbursedForSale" id="ovbc_LoansDisbursedForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="GainLossOnSaleOfOtherRealEstateOwned" id="ovbc_GainLossOnSaleOfOtherRealEstateOwned" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="PaymentsToAcquireCertificatesOfDeposit" id="ovbc_PaymentsToAcquireCertificatesOfDeposit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="ProceedsFromMaturityOfCertificatesOfDeposit" id="ovbc_ProceedsFromMaturityOfCertificatesOfDeposit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="LesseeOperatingLeaseAssetsAndLiabilitiesTableTextBlock" id="ovbc_LesseeOperatingLeaseAssetsAndLiabilitiesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="LesseeOperatingLeaseDescriptionTableTextBlock" id="ovbc_LesseeOperatingLeaseDescriptionTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="PropertyPlantAndEquipmentNetHeldForSale" id="ovbc_PropertyPlantAndEquipmentNetHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipmentHeldForSale" id="ovbc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipmentHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="PropertyPlantAndEquipmentGrossHeldForSale" id="ovbc_PropertyPlantAndEquipmentGrossHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NumberOfPromissoryNotesPayableToRelatedParties" id="ovbc_NumberOfPromissoryNotesPayableToRelatedParties" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OtherBorrowingsAbstract" id="ovbc_OtherBorrowingsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CashManagementAdvancesMaturityPeriod" id="ovbc_CashManagementAdvancesMaturityPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TimeDepositsLessThanFdicInsuranceLimit" id="ovbc_TimeDepositsLessThanFdicInsuranceLimit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="TimeDepositsLiabilitiesAbstract" id="ovbc_TimeDepositsLiabilitiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DescriptionOfBusinessAbstract" id="ovbc_DescriptionOfBusinessAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NumberOfSubsidiaries" id="ovbc_NumberOfSubsidiaries" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="IndustrySegmentInformationAbstract" id="ovbc_IndustrySegmentInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoansAbstract" id="ovbc_LoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AllowanceForLoanLossesAbstract" id="ovbc_AllowanceForLoanLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PeriodOfActualLossHistoryExperienced" id="ovbc_PeriodOfActualLossHistoryExperienced" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="LoansMaturityPeriod" id="ovbc_LoansMaturityPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ConcentrationsOfCreditRiskAbstract" id="ovbc_ConcentrationsOfCreditRiskAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PercentageOfLoanPortfolio" id="ovbc_PercentageOfLoanPortfolio" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="MortgageServicingRightsAbstract" id="ovbc_MortgageServicingRightsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfConditionalCommitmentsTableTextBlock" id="ovbc_ScheduleOfConditionalCommitmentsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="RegulatoryMattersAbstract" id="ovbc_RegulatoryMattersAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="VariableRateMember" id="ovbc_VariableRateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FixedRateMember" id="ovbc_FixedRateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommitmentsAndConditionalObligationsAbstract" id="ovbc_CommitmentsAndConditionalObligationsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BankingSegmentMember" id="ovbc_BankingSegmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ConsumerFinanceMember" id="ovbc_ConsumerFinanceMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CompositionOfLoanPortfolioTableTextBlock" id="ovbc_CompositionOfLoanPortfolioTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SellingCostsPercentageCollateral" id="ovbc_SellingCostsPercentageCollateral" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansMember" id="ovbc_ImpairedLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InterestReceivableFairValueDisclosure" id="ovbc_InterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CertificatesOfDepositFairValueDisclosure" id="ovbc_CertificatesOfDepositFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="HeldToMaturitySecuritiesFairValueDisclosure" id="ovbc_HeldToMaturitySecuritiesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="InterestPayableFairValueDisclosure" id="ovbc_InterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="FairValueDisclosuresImpairedLoansAbstract" id="ovbc_FairValueDisclosuresImpairedLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansMeasurementInput" id="ovbc_ImpairedLoansMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ImpairedLoansFairValueDisclosure" id="ovbc_ImpairedLoansFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CertificatesOfDepositInFinancialInstitutionsPolicyTextBlock" id="ovbc_CertificatesOfDepositInFinancialInstitutionsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OtherthantemporaryImpairmentPolicyPolicyTextBlock" id="ovbc_OtherthantemporaryImpairmentPolicyPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DividendReinvestmentPlanPolicyPolicyTextBlock" id="ovbc_DividendReinvestmentPlanPolicyPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DividendRestrictionsPolicyTextBlock" id="ovbc_DividendRestrictionsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="BankOwnedLifeInsuranceAndAnnuityAssetsPolicyTextBlock" id="ovbc_BankOwnedLifeInsuranceAndAnnuityAssetsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="NumberOfClassificationsOfPromptCorrectiveActionRegulations" id="ovbc_NumberOfClassificationsOfPromptCorrectiveActionRegulations" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="MinimumRelatedPartyLoan" id="ovbc_MinimumRelatedPartyLoan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="DirectorsAndTheirAffiliatesMember" id="ovbc_DirectorsAndTheirAffiliatesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoansAndLeasesReceivableRelatedPartiesChangesOther" id="ovbc_LoansAndLeasesReceivableRelatedPartiesChangesOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="RelatedPartyTransactionsDisclosureAbstract" id="ovbc_RelatedPartyTransactionsDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NumberOfReportingPeriodOfLoan" id="ovbc_NumberOfReportingPeriodOfLoan" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="PrincipalOfficersDirectorsAndTheirAffiliatesMember" id="ovbc_PrincipalOfficersDirectorsAndTheirAffiliatesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="EmployeeStockOwnershipPlanTrustAbstract" id="ovbc_EmployeeStockOwnershipPlanTrustAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
</xs:schema>
