<SEC-DOCUMENT>0000894671-23-000019.txt : 20230427
<SEC-HEADER>0000894671-23-000019.hdr.sgml : 20230427
<ACCEPTANCE-DATETIME>20230427150241
ACCESSION NUMBER:		0000894671-23-000019
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		12
CONFORMED PERIOD OF REPORT:	20230427
ITEM INFORMATION:		Results of Operations and Financial Condition
FILED AS OF DATE:		20230427
DATE AS OF CHANGE:		20230427

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OHIO VALLEY BANC CORP
		CENTRAL INDEX KEY:			0000894671
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				311359191
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-20914
		FILM NUMBER:		23855812

	BUSINESS ADDRESS:	
		STREET 1:		420 THIRD AVE
		CITY:			GALLIPOLIS
		STATE:			OH
		ZIP:			45631
		BUSINESS PHONE:		7404462631

	MAIL ADDRESS:	
		STREET 1:		420 THIRD AVENUE
		STREET 2:		PO BOX 240
		CITY:			GALLIPOLIS
		STATE:			OH
		ZIP:			45631
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>sec8kearngsrels033123.htm
<DESCRIPTION>EARNINGS RELEASE 03/31/23
<TEXT>
<XBRL>
<html xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:srt="http://fasb.org/srt/2022" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2020-02-12" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:us-gaap="http://fasb.org/us-gaap/2022" xmlns:dei="http://xbrl.sec.gov/dei/2022" xmlns:country="http://xbrl.sec.gov/country/2022" xmlns:currency="http://xbrl.sec.gov/currency/2022" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:naics="http://xbrl.sec.gov/naics/2022" xmlns:sic="http://xbrl.sec.gov/sic/2022" xmlns:stpr="http://xbrl.sec.gov/stpr/2022" xmlns:exch="http://xbrl.sec.gov/exch/2022" xmlns:cef="http://xbrl.sec.gov/cef/2022" xmlns:ovbc="http://ovbc.com/20230427" xmlns="http://www.w3.org/1999/xhtml">
  <head>
    <title></title>
    <!-- Licensed to: Ohio Valley Bank
         Document created using Broadridge PROfile 23.3.1.5138
         Copyright 1995 - 2023 Broadridge -->
    <meta http-equiv="Content-Type" content="text/html" />
</head>

<body style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; background-color: #ffffff;">
<div id="DSPFiXBRLHidden" style="display: none;"><ix:header><ix:hidden><ix:nonNumeric name="dei:AmendmentFlag" id="Fact_39251c3cd6d34e3ea4b1e89d8979cbc5" contextRef="c20230427to20230427" format="ixt:fixed-false">false</ix:nonNumeric><ix:nonNumeric name="dei:EntityCentralIndexKey" id="Fact_829100d50db7428fb837a1b4ac5d3771" contextRef="c20230427to20230427">0000894671</ix:nonNumeric></ix:hidden><ix:references><link:schemaRef xlink:href="ovbc-20230427.xsd" xlink:type="simple"></link:schemaRef></ix:references><ix:resources><xbrli:context id="c20230427to20230427"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000894671</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-04-27</xbrli:startDate><xbrli:endDate>2023-04-27</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div>

  <div><br />
  </div>

  <div style="font-family: 'Times New Roman', Times, serif;">
    <div>
      <hr style="border: none; border-bottom: 1px solid black; border-top: 4px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;" /></div>

    <div style="color: #000000;">
      <div style="text-align: center; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

      <div style="text-align: center; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

      <div style="text-align: center; font-size: 12pt;">Washington, D.C. 20549</div>

      <div><br />
      </div>

      <div style="text-align: center;">
        <hr style="height: 2px; width: 15%; color: #000000; background-color: #000000; text-align: center; border: none; margin-left: auto; margin-right: auto;" /></div>

      <div style="text-align: center; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_aaf9901aac124f3d84576e9eb6444a88" contextRef="c20230427to20230427">8-K</ix:nonNumeric></div>

      <div style="text-align: center;">
        <hr style="height: 2px; width: 15%; color: #000000; background-color: #000000; text-align: center; border: none; margin-left: auto; margin-right: auto;" /></div>

      <div><br />
      </div>

      <div style="text-align: center; font-size: 10pt;">Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</div>

      <div><br />
      </div>

      <div style="text-align: center; font-size: 10pt;">Date of Report (Date of Earliest Event Reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_0028731e3a184fd7b85e9834d84e5ee8" contextRef="c20230427to20230427" format="ixt:date-monthname-day-year-en">April 27, 2023</ix:nonNumeric></div>

      <div><br />
      </div>

      <div style="text-align: center;">
        <hr style="height: 2px; width: 15%; color: #000000; background-color: #000000; text-align: center; border: none; margin-bottom: 12pt; margin-left: auto; margin-right: auto;" /></div>

      <div style="text-align: center; font-size: 24pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityRegistrantName" id="Fact_631b54d570dd46be97c8ba2b1a0fab1c" contextRef="c20230427to20230427">OHIO VALLEY BANC CORP</ix:nonNumeric>.<br />
      </div>

      <div style="text-align: center; font-size: 10pt;">(Exact Name of Registrant as Specified in Its Charter)</div>

      <div style="text-align: center;">
        <hr style="height: 2px; width: 15%; color: #000000; background-color: #000000; text-align: center; border: none; margin-top: 12pt; margin-left: auto; margin-right: auto;" /></div>

      <div><br />
      </div>

      <div style="text-align: center; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityFileNumber" id="Fact_6eb96869a2dc4bcda4e7246733b24891" contextRef="c20230427to20230427">000-20914</ix:nonNumeric></div>

      <div style="text-align: center; font-size: 10pt;">(Commission File Number)</div>

      <div><br />
      </div>

      <table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse; text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">


  <tr>

    <td style="width: 50%; vertical-align: top; ">
              <div style="text-align: center; margin-left: 0.7pt; font-size: 10pt; font-weight: bold; "><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" id="Fact_96669f532332407c8d8b6d1ed1e190bf" contextRef="c20230427to20230427" format="ixt-sec:stateprovnameen">Ohio</ix:nonNumeric><br />
              </div>
            </td>

    <td style="width: 50%; vertical-align: top; ">
              <div style="text-align: center; margin-left: 0.7pt; font-size: 10pt; font-weight: bold; "><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" id="Fact_bb4a9198b4584e5880ed15e807db6853" contextRef="c20230427to20230427">31-1359191</ix:nonNumeric><br />
              </div>
            </td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top;">
              <div style="text-align: center; margin-left: 0.7pt; font-size: 10pt;">(State or Other Jurisdiction of Incorporation)</div>
            </td>

    <td style="width: 50%; vertical-align: top;">
              <div style="text-align: center; margin-left: 0.7pt; font-size: 10pt;">(I.R.S. Employer Identification No.)</div>
            </td>

  </tr>


</table>
      <div><br />
      </div>

      <div style="text-align: center; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityAddressAddressLine1" id="Fact_8c6889c0812e4b5b92343da86e71ed38" contextRef="c20230427to20230427">420 THIRD AVENUE</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressAddressLine2" id="Fact_a93eb374651f4706894304ff5f37c90c" contextRef="c20230427to20230427">PO BOX 240</ix:nonNumeric></div>

      <div style="text-align: center; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityAddressCityOrTown" id="Fact_d991aabc01cd4b5f9dd2582ab6818a64" contextRef="c20230427to20230427">GALLIPOLIS</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" id="Fact_1e2c8de8a1ff43e7879202d7d1282263" contextRef="c20230427to20230427" format="ixt-sec:stateprovnameen">Ohio</ix:nonNumeric> <ix:nonNumeric name="dei:EntityAddressPostalZipCode" id="Fact_d9ebd9fca4604cf096aee7ad1b8db115" contextRef="c20230427to20230427">45631</ix:nonNumeric></div>

      <div style="text-align: center; font-size: 10pt;">(Address of principal executive offices, including zip code)</div>

      <div><br />
      </div>

      <div style="text-align: center; font-size: 10pt; font-weight: bold;">(<ix:nonNumeric name="dei:CityAreaCode" id="Fact_bd06650582f440669a84b75fc08a0400" contextRef="c20230427to20230427">740</ix:nonNumeric>) <ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_ae46f8557fe14600a3416daa2a272093" contextRef="c20230427to20230427">446-2631</ix:nonNumeric></div>

      <div style="text-align: center; font-size: 10pt;">(Registrant&#8217;s telephone number, including area code)</div>

      <div><br />
      </div>

      <div style="text-align: center; font-size: 10pt; font-weight: bold;">NOT APPLICABLE</div>

      <div style="text-align: center; font-size: 10pt;">(Former name or former address, if changed since last report)</div>

      <div><br />
      </div>

      <div style="text-align: left; font-size: 10pt;"> Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: </div>

      <div><br />
      </div>

      <div>
        <div>
          <table cellspacing="0" cellpadding="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;" class="DSPFListTable">


  <tr>

    <td style="vertical-align: top; width: 18pt;">
                  <div style="text-align: left;"><ix:nonNumeric name="dei:WrittenCommunications" id="Fact_b1f5dd5166e24c5686f32d7a01b0f8cf" contextRef="c20230427to20230427" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
                  </div>
                </td>

    <td style="text-align: left; vertical-align: top; width: auto;">
                  <div style="text-align: left; font-size: 10pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
                </td>

  </tr>


</table>
        </div>

        <div>
          <table cellspacing="0" cellpadding="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;" class="DSPFListTable">


  <tr>

    <td style="vertical-align: top; width: 18pt;">
                  <div style="text-align: left;"><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_f4aa1304cd814bbdab18c40bda4d6793" contextRef="c20230427to20230427" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
                  </div>
                </td>

    <td style="text-align: left; vertical-align: top; width: auto;">
                  <div style="text-align: left; font-size: 10pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
                </td>

  </tr>


</table>
        </div>

        <div>
          <table cellspacing="0" cellpadding="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;" class="DSPFListTable">


  <tr>

    <td style="vertical-align: top; width: 18pt;">
                  <div style="text-align: left;"><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="Fact_11616d79f4bf41c485d2140685ff4ca5" contextRef="c20230427to20230427" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
                  </div>
                </td>

    <td style="text-align: left; vertical-align: top; width: auto;">
                  <div style="text-align: left; font-size: 10pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
                </td>

  </tr>


</table>
        </div>

        <div>
          <table cellspacing="0" cellpadding="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;" class="DSPFListTable">


  <tr>

    <td style="vertical-align: top; width: 18pt;">
                  <div style="text-align: left;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_d897ddf762e74b5987abfba925174a8c" contextRef="c20230427to20230427" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
                  </div>
                </td>

    <td style="text-align: left; vertical-align: top; width: auto;">
                  <div style="text-align: left; font-size: 10pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
                </td>

  </tr>


</table>
        </div>

      </div>

      <div><br />
      </div>

      <div>Securities registered pursuant to Section 12(b) of the Act:</div>

      <div><br />
      </div>

      <table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse; text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">


  <tr>

    <td style="width: 41%; vertical-align: bottom; font-size: 10pt; border-bottom: 2px solid #000000;">
              <div style="font-weight: bold;">Title of each class</div>
            </td>

    <td style="width: 2%; vertical-align: bottom;">&#160;</td>

    <td style="width: 14%; vertical-align: bottom; font-size: 10pt; border-bottom: 2px solid #000000;">
              <div style="font-weight: bold;">Trading</div>
              <div style="font-weight: bold;">Symbol(s)</div>
            </td>

    <td style="width: 2%; vertical-align: bottom;">&#160;</td>

    <td style="width: 41%; vertical-align: bottom; border-bottom: 2px solid #000000;">
              <div style="font-size: 10pt; font-weight: bold;">Name of each exchange on which registered</div>
            </td>

  </tr>

  <tr>

    <td style="width: 41%; vertical-align: top; font-size: 10pt;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_4b45b8c12d8d4d58a472777e40a1da30" contextRef="c20230427to20230427">Common Shares, without par value</ix:nonNumeric><br />
            </td>

    <td style="width: 2%; vertical-align: bottom; font-size: 10pt;"><br />
            </td>

    <td style="width: 14%; vertical-align: bottom; font-size: 10pt;"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_4134f8e28a12453d8dee0274fceaf5d4" contextRef="c20230427to20230427">OVBC</ix:nonNumeric><br />
            </td>

    <td style="width: 2%; vertical-align: bottom; font-size: 10pt;"><br />
            </td>

    <td style="width: 41%; vertical-align: bottom; font-size: 10pt;"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_1f4cb34a5dd846b3afc3a28ef0c16505" contextRef="c20230427to20230427">NASDAQ</ix:nonNumeric><br />
            </td>

  </tr>


</table>
      <div><br />
      </div>

      <div style="text-align: left; font-size: 10pt;"> Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act
        of 1934 (&#167;240.12b-2 of this chapter): </div>

      <div><br />
      </div>

      <div style="text-align: left; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_fd4ce0d1d6a94c788f3e9fc3f5bd49ca" contextRef="c20230427to20230427" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric></div>

      <div><br />
      </div>

      <div style="text-align: left; font-size: 10pt;"> If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
        provided pursuant to Section 13(a) of the Exchange Act. &#9744; </div>

      <div>
        <hr style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;" /> </div>

      <div> <br />
      </div>

      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" /></div>

      </div>

      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 100%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Section 2 &#8211; Financial Information</div>
              </td>

  </tr>


</table>
        <div><br />
        </div>

        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 100%; vertical-align: top;">
                <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Item 2.02.&#160; Results of Operations and Financial Condition</div>
              </td>

  </tr>


</table>
        <div><br />
        </div>

        <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the &#8220;Company&#8221;) reported consolidated net income for the quarter ended March 31, 2023,
          of $3,908,000, a decrease of $217,000, or 5.3%, from the same period the prior year. Earnings per share for the first quarter of 2023 were $.82, compared to $.87 for the first quarter of 2022. Return on average assets and return on average equity
          were 1.28% and 11.85%, respectively, for the first quarter of 2023, versus 1.34% and 11.78%, respectively, for the same period the prior year.</div>

        <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br />
        </div>

        <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">Ohio Valley Banc Corp. President and CEO, Larry Miller stated, &#8220;Managing through and overcoming challenges has been
          something our company has been successfully doing for over 150 years now. The recent failure of two high profile banks, one on each coast, is a good reminder that we need to stay humble and remember the basic principles of banking in terms of
          diversification as well as maintaining a proper, balanced approach. Given the challenging environment in which we operate, I am particularly pleased with our first quarter results.&#8221;</div>

        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br />
        </div>

        <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">For the first quarter of 2023, net interest income increased $1,732,000 from the first quarter of 2022. Contributing to the
          increase in net interest income was the increase in the net interest margin. In relation to the significant increase in market interest rates based on actions taken by the Federal Reserve, the net interest margin has responded positively due to
          the yield on earning assets increasing more than the cost of interest-bearing liabilities. For the quarter ended March 31, 2023, the net interest margin was 4.21%, compared to 3.51% for the same period the prior year. The net interest margin also
          benefited from the higher relative balances maintained in loans, as opposed to the Federal Reserve, which generally yields less than loans. The average balance of loans for the first quarter of 2023 was $897 million, an increase of $79 million
          from the first quarter of 2022. For the same period, the average balances maintained at the Federal Reserve decreased $92 million.</div>

        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br />
        </div>

        <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">For the three months ended March 31, 2023, the provision for credit loss expense was $489,000, an increase of $1,615,000
          from the first quarter of 2022. The provision for credit loss expense for the first quarter of 2023 was primarily related to quarterly net charge-offs of $290,000 and to the general reserves associated with the $21 million increase in total loans
          since December 31, 2022. The increase in provision for credit loss expense from the first quarter of 2022 was related to the negative provision expense recognized in that quarter due to lower criticized and classified loans and the partial
          release of the COVID reserve for the pandemic environment. The allowance for credit losses was .84% of total loans at March 31, 2023, compared to .60% at December 31, 2022 and .65% at March 31, 2022. The increase in the allowance for credit
          losses at March 31, 2023 was related to the Company adopting the new accounting guidance for measuring the credit losses on financial instruments or Accounting Standards Update (ASU) No. 2016-13. Under this guidance, the Company established a
          Current Expected Credit Losses (CECL) model to estimate future credit losses, which replaced the former incurred loss methodology. Upon adoption of CECL, the Company increased the allowance for credit losses by $2,162,000. In addition, a reserve
          for unfunded commitments and held-to-maturity securities was established totaling $631,000 and $3,000, respectively.</div>

        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br />
        </div>

        <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">Noninterest income totaled $3,767,000 for the first quarter of 2023, an increase of $47,000 from the same period last year.
          For the first quarter of 2023, other noninterest income increased $263,000 from the first quarter of 2022. The increase was largely related to commissions earned by Race Day Mortgage for mortgage application referrals. This was partially offset
          by a $188,000 decrease in mortgage banking income from selling loans to the secondary market. With elevated mortgage rates, mortgage customers are selecting in-house mortgage products instead of long-term fixed rate products that are sold to the
          secondary market.</div>

        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br />
        </div>

        <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">Noninterest expense totaled $10,272,000 for the first quarter of 2023, an increase of $484,000, or 4.9%, from the same
          period last year. The Company&#8217;s largest noninterest expense, salaries and employee benefits, increased $314,000, or 5.6%, from the first quarter of 2022. The increase was primarily related to annual merit increases. Further contributing to higher
          noninterest expense was software expense. For the three months ended March 31, 2023, software expense increased $59,000 from the same period last year. Also contributing to higher noninterest expense for the first quarter of 2023 was a $56,000
          increase in FDIC insurance premiums and a $48,000 increase in data processing expense, as compared to the same period last year.</div>

        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br />
        </div>

        <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">The Company&#8217;s total assets at March 31, 2023 were $1.266 billion, an increase of $55 million from December 31, 2022. The
          increase in assets was related to a $43 million increase in balances maintained at the Federal Reserve and to a $21 million increase in loans. The increase in Federal Reserve balances was related to the growth in deposits exceeding the growth in
          loans. At March 31, 2023, total deposits increased $54 million from year end 2022, which occurred primarily within time deposits. Total shareholders&#8217; equity increased $2.5 million from year end 2022. The growth in <span style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">shareholders&#8217; equity</span> was impacted by the adoption of CECL, which required a $2.2 million charge to retained earnings.</div>

        <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br />
        </div>

        <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">Ohio Valley Banc Corp. common stock is traded on the NASDAQ Global Market under the symbol OVBC. The holding company owns
          The Ohio Valley Bank Company, with 17 offices in Ohio and West Virginia; Loan Central, Inc. with six consumer finance offices in Ohio; and Race Day Mortgage, Inc., an online consumer direct mortgage company. Learn more about Ohio Valley Banc
          Corp. at www.ovbc.com.</div>

        <div><br />
        </div>

        <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Caution Regarding Forward-Looking Information</div>

        <div><br />
        </div>

        <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-size: 10pt;">Certain statements contained in this earnings release that are not statements of historical fact constitute forward-looking statements within
          the meaning of the Private Securities Litigation Reform Act of 1995. Words such as &#8220;believes,&#8221; &#8220;anticipates,&#8221; &#8220;expects,&#8221; &#8220;appears,&#8221; &#8220;intends,&#8221; &#8220;targeted&#8221; and similar expressions are intended to identify forward-looking statements but are not the
          exclusive means of identifying those statements. Forward-looking statements involve risks and uncertainties. Actual results may differ materially from those predicted by the forward-looking statements because of various factors and possible
          events, including: (i) impacts from the coronavirus (COVID-19) pandemic on our business, operations, customers and capital position; (ii) the impact of COVID-19 on local, national and global economic conditions; unexpected changes in interest
          rates or disruptions in the mortgage market related to COVID-19 or responses to the health crisis; (iii) changes in political, economic or other factors, such as inflation rates, recessionary or expansive trends, taxes, the effects of
          implementation of federal legislation with respect to taxes and government spending and the continuing economic uncertainty in various parts of the world; (iv) competitive pressures;&#160; (v) fluctuations in interest rates; (vi) the level of defaults
          and prepayment on loans made by the Company; (vii) unanticipated litigation, claims, or assessments; (viii) fluctuations in the cost of obtaining funds to make loans; (ix) regulatory changes; and (x) other factors that may be described in the
          Company&#8217;s Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q as filed with the Securities and Exchange Commission from time to time. Forward-looking statements speak only as of the date on which they are made, and the Company
          undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made to reflect unanticipated events.</div>

      </div>

    </div>

  </div>

  <div> <br />
  </div>

  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" /></div>

  </div>

  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; width: 100%;" class="cfttable">


  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="8">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold;">OHIO VALLEY BANC CORP - Financial Highlights (Unaudited)</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="6">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Three months ended</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="6">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">March 31,</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> 2023</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="2">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2022</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">PER SHARE DATA</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Earnings per share</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.82</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.87</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Dividends per share</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.21</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.21</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Book value per share</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">28.80</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">28.63</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Dividend payout ratio (a)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">25.64</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">24.20</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Weighted average shares outstanding</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4,773,461</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4,761,072</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="4">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">DIVIDEND REINVESTMENT (in 000's)</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Dividends reinvested under</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;employee stock ownership plan (b)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">193</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">154</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Dividends reinvested under</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;dividend reinvestment plan (c)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">510</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">515</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">PERFORMANCE RATIOS</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Return on average equity</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">11.85</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">11.78</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Return on average assets</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1.28</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1.34</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Net interest margin (d)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.21</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.51</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Efficiency ratio (e)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">65.70</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">70.81</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">%</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Average earning assets (in 000's)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,141,835</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,167,366</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="8">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(a) Total dividends paid as a percentage of net income.</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="8">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(b) Shares may be purchased from OVBC and on secondary market.</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="8">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(c) Shares may be purchased from OVBC and on secondary market.</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="8">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(d) Fully tax-equivalent net interest income as a percentage of average earning assets.</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="8">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(e) Noninterest expense as a percentage of fully tax-equivalent net interest income plus noninterest income.</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="8">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold;">OHIO VALLEY BANC CORP - Consolidated Statements of Income (Unaudited)</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="6">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Three months ended</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(in $000's)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="6">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">March 31,</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>

    <td style="vertical-align: top; text-align: center; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 10pt;">2023</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>

    <td style="vertical-align: top; text-align: center; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-size: 10pt;">2022</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Interest income:</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Interest and fees on loans</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">12,276</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">9,798</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Interest and dividends on securities</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,092</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">805</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Interest on interest-bearing deposits with banks</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">426</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">54</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total interest income</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">13,794</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">10,657</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Interest expense:</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Deposits</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,832</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">519</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Borrowings</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">240</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">148</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total interest expense</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2,072</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">667</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Net interest income</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">11,722</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">9,990</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Provision for (recovery of) credit losses </div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">489</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1,126</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">)</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Noninterest income:</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Service charges on deposit accounts</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">611</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">558</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Trust fees</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">86</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">81</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="8">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> Income from bank owned life insurance and</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;annuity assets</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">207</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">274</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Mortgage banking income</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">47</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">235</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Electronic refund check/deposit fees</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">540</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">540</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Debit / credit card interchange income</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,173</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,135</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Tax preparation fees</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">631</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">688</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Other</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">472</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">209</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total noninterest income</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3,767</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3,720</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Noninterest expense:</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Salaries and employee benefits</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5,884</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5,570</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Occupancy </div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">462</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">478</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Furniture and equipment </div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">298</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">266</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Professional fees</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">433</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">489</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Marketing expense</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">241</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">229</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;FDIC insurance </div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">138</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">82</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Data processing </div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">720</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">672</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Software</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">562</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">503</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Foreclosed assets</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Amortization of intangibles</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">7</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">10</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Other </div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,525</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,488</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total noninterest expense</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">10,272</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">9,788</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Income before income taxes</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4,728</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5,048</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Income taxes</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">820</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">923</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: #CCEEFF;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">NET INCOME</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3,908</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4,125</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>


</table>
  </div>

  <div> <br />
  </div>

  <div> <br />
  </div>

  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" /></div>

  </div>

  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; width: 100%;" class="cfttable">


  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="8">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold;">OHIO VALLEY BANC CORP - Consolidated Balance Sheets (Unaudited)</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(in $000's, except share data)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="2">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">March 31,</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="2">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">December 31,</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> 2023</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2022</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">ASSETS</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Cash and noninterest-bearing deposits with banks</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">15,506</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">14,330</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Interest-bearing deposits with banks</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">74,342</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">31,660</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Total cash and cash equivalents</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">89,848</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">45,990</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Certificates of deposit in financial institutions</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">735</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,862</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Securities available for sale </div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">179,753</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">184,074</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Securities held to maturity, net of allowance for credit losses of $3 in 2023 and $0 in 2022;</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">9,001</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">9,226</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="8">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> (estimated fair value: 2023 - $8,398; 2022 - $8,460)</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Restricted investments in bank stocks</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4,093</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5,953</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total loans </div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">906,313</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">885,049</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Less:&#160; Allowance for credit losses </div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(7,607</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(5,269</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">)</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Net loans</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">898,706</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">879,780</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Premises and equipment, net</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">20,488</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">20,436</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Premises and equipment held for sale, net</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">588</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">593</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Accrued interest receivable</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3,225</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3,112</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Goodwill</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">7,319</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">7,319</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Other intangible assets, net</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">23</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">29</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Bank owned life insurance and annuity assets</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">39,834</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">39,627</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Operating lease right-of-use asset, net</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,246</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,294</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Deferred tax assets</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">6,160</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">6,266</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Other assets</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5,446</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5,226</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total assets</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,266,465</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,210,787</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">LIABILITIES</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Noninterest-bearing deposits</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">339,594</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">354,413</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Interest-bearing deposits</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">741,601</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">673,242</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Total deposits</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,081,195</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,027,655</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Other borrowed funds </div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">17,330</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">17,945</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Subordinated debentures</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">8,500</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">8,500</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Operating lease liability</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,246</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,294</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Allowance for credit losses on off-balance sheet commitments</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">655</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Other liabilities</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">19,994</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">20,365</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total liabilities</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,128,920</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,075,759</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">SHAREHOLDERS' EQUITY</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; background-color: #CCEEFF;" colspan="8">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Common stock ($1.00 stated value per share, 10,000,000 shares authorized;</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;2023 - 5,470,453 shares issued; 2022 - 5,465,707 shares issued)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5,470</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5,465</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Additional paid-in capital</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">51,842</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">51,722</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Retained earnings</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">110,017</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">109,320</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Accumulated other comprehensive income (loss)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(13,118</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(14,813</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">)</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Treasury stock, at cost (693,933 shares)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(16,666</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">)</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(16,666</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">)</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total shareholders' equity</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">137,545</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">135,028</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px;" colspan="1">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total liabilities and shareholders' equity</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,266,465</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; white-space: nowrap;" colspan="1">&#160;</td>

    <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">$</div>
          </td>

    <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1,210,787</div>
          </td>

    <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; white-space: nowrap;" colspan="1">&#160;</td>

  </tr>


</table>
  </div>

  <div> <br />
  </div>

  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" /></div>

  </div>

  <div>
    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">SIGNATURES</span></div>

    <div><br />
    </div>

    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf
      by the undersigned thereunto duly authorized.</div>

    <div><br />
    </div>

    <div><br />
    </div>

    <div><br />
    </div>

    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 7.54%; vertical-align: top;">&#160;</td>

    <td style="width: 42.4%; vertical-align: top;">&#160;</td>

    <td style="width: 7.34%; vertical-align: top;">&#160;</td>

    <td style="width: 42.71%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">OHIO VALLEY BANC CORP.</div>
            <div>&#160;</div>
          </td>

  </tr>

  <tr>

    <td style="width: 7.54%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Date:</div>
          </td>

    <td style="width: 42.4%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">April 27, 2023</div>
          </td>

    <td style="width: 7.34%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">By:</div>
          </td>

    <td style="width: 42.71%; vertical-align: top; border-bottom: #000000 2px solid;">/s/Larry E. Miller <br />
          </td>

  </tr>

  <tr>

    <td style="width: 7.54%; vertical-align: top;">&#160;</td>

    <td style="width: 42.4%; vertical-align: top;">&#160;</td>

    <td style="width: 7.34%; vertical-align: top;">&#160;</td>

    <td style="width: 42.71%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Larry E. Miller</div>
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">President and Chief Executive Officer</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

  </div>

  <div> <br />
  </div>

</body>
</html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>2
<FILENAME>ovbc-20230427.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 23.3.1.5138 Broadridge-->
<xs:schema targetNamespace="http://ovbc.com/20230427" elementFormDefault="qualified" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:ovbc="http://ovbc.com/20230427" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:us-types="http://fasb.org/us-types/2022" xmlns:srt-types="http://fasb.org/srt-types/2022" xmlns:dei="http://xbrl.sec.gov/dei/2022" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2020-01-21">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="ovbc-20230427_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="ovbc-20230427_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:roleType roleURI="http://ovbc.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
        <link:definition>000100 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://fasb.org/us-gaap/2022" schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/dei/2022" schemaLocation="https://xbrl.sec.gov/dei/2022/dei-2022.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/country/2022" schemaLocation="https://xbrl.sec.gov/country/2022/country-2022.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/currency/2022" schemaLocation="https://xbrl.sec.gov/currency/2022/currency-2022.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/exch/2022" schemaLocation="https://xbrl.sec.gov/exch/2022/exch-2022.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/naics/2022" schemaLocation="https://xbrl.sec.gov/naics/2022/naics-2022.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/sic/2022" schemaLocation="https://xbrl.sec.gov/sic/2022/sic-2022.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/stpr/2022" schemaLocation="https://xbrl.sec.gov/stpr/2022/stpr-2022.xsd" />
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xs:import namespace="http://www.xbrl.org/2004/ref" schemaLocation="http://www.xbrl.org/2004/ref-2004-08-10.xsd" />
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xs:import namespace="http://fasb.org/us-types/2022" schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-types-2022.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
  <xs:import namespace="http://fasb.org/srt/2022" schemaLocation="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd" />
  <xs:import namespace="http://fasb.org/srt-types/2022" schemaLocation="https://xbrl.fasb.org/srt/2022/elts/srt-types-2022.xsd" />
  <xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd" />
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>3
<FILENAME>ovbc-20230427_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 23.3.1.5138 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
  <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CoverAbstract" xlink:label="CoverAbstract" xlink:title="CoverAbstract" />
    <link:label xlink:type="resource" xlink:label="dei_CoverAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CoverAbstract_lbl" xml:lang="en-US" id="dei_CoverAbstract_lbl">Cover [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:title="label: CoverAbstract to dei_CoverAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentType_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentType_lbl" xml:lang="en-US" id="dei_DocumentType_lbl">Document Type</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentType" xlink:to="dei_DocumentType_lbl" xlink:title="label: DocumentType to dei_DocumentType_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:label xlink:type="resource" xlink:label="dei_WrittenCommunications_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_WrittenCommunications_lbl" xml:lang="en-US" id="dei_WrittenCommunications_lbl">Written Communications</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:title="label: WrittenCommunications to dei_WrittenCommunications_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:label xlink:type="resource" xlink:label="dei_SolicitingMaterial_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SolicitingMaterial_lbl" xml:lang="en-US" id="dei_SolicitingMaterial_lbl">Soliciting Material</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:title="label: SolicitingMaterial to dei_SolicitingMaterial_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US" id="dei_PreCommencementTenderOffer_lbl">Pre-commencement Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:title="label: PreCommencementTenderOffer to dei_PreCommencementTenderOffer_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US" id="dei_PreCommencementIssuerTenderOffer_lbl">Pre-commencement Issuer Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:title="label: PreCommencementIssuerTenderOffer to dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentFlag_lbl" xml:lang="en-US" id="dei_AmendmentFlag_lbl">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:title="label: AmendmentFlag to dei_AmendmentFlag_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalYearFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalYearFocus_lbl">Document Fiscal Year Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:title="label: DocumentFiscalYearFocus to dei_DocumentFiscalYearFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus_lbl">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:title="label: DocumentFiscalPeriodFocus to dei_DocumentFiscalPeriodFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US" id="dei_DocumentPeriodEndDate_lbl">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:title="label: DocumentPeriodEndDate to dei_DocumentPeriodEndDate_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:label xlink:type="resource" xlink:label="dei_EntityRegistrantName_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityRegistrantName_lbl" xml:lang="en-US" id="dei_EntityRegistrantName_lbl">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:title="label: EntityRegistrantName to dei_EntityRegistrantName_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCentralIndexKey_lbl" xml:lang="en-US" id="dei_EntityCentralIndexKey_lbl">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:title="label: EntityCentralIndexKey to dei_EntityCentralIndexKey_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFileNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFileNumber_lbl" xml:lang="en-US" id="dei_EntityFileNumber_lbl">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:title="label: EntityFileNumber to dei_EntityFileNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US" id="dei_EntityTaxIdentificationNumber_lbl">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:title="label: EntityTaxIdentificationNumber to dei_EntityTaxIdentificationNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US" id="dei_EntityIncorporationStateCountryCode_lbl">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:title="label: EntityIncorporationStateCountryCode to dei_EntityIncorporationStateCountryCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany_lbl">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine1_lbl">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine2_lbl">Entity Address, Address Line Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:title="label: EntityAddressAddressLine2 to dei_EntityAddressAddressLine2_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine3_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine3_lbl">Entity Address, Address Line Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:title="label: EntityAddressAddressLine3 to dei_EntityAddressAddressLine3_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US" id="dei_EntityAddressCityOrTown_lbl">Entity Address, City or Town</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:title="label: EntityAddressCityOrTown to dei_EntityAddressCityOrTown_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US" id="dei_EntityAddressStateOrProvince_lbl">Entity Address, State or Province</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:title="label: EntityAddressStateOrProvince to dei_EntityAddressStateOrProvince_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCountry_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCountry_lbl" xml:lang="en-US" id="dei_EntityAddressCountry_lbl">Entity Address, Country</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:title="label: EntityAddressCountry to dei_EntityAddressCountry_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US" id="dei_EntityAddressPostalZipCode_lbl">Entity Address, Postal Zip Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:title="label: EntityAddressPostalZipCode to dei_EntityAddressPostalZipCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:label xlink:type="resource" xlink:label="dei_CityAreaCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CityAreaCode_lbl" xml:lang="en-US" id="dei_CityAreaCode_lbl">City Area Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:title="label: CityAreaCode to dei_CityAreaCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber_lbl" xml:lang="en-US" id="dei_LocalPhoneNumber_lbl">Local Phone Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:title="label: LocalPhoneNumber to dei_LocalPhoneNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:label xlink:type="resource" xlink:label="dei_Security12bTitle_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_Security12bTitle_lbl" xml:lang="en-US" id="dei_Security12bTitle_lbl">Title of 12(b) Security</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:title="label: Security12bTitle to dei_Security12bTitle_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:label xlink:type="resource" xlink:label="dei_NoTradingSymbolFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US" id="dei_NoTradingSymbolFlag_lbl">No Trading Symbol Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:title="label: NoTradingSymbolFlag to dei_NoTradingSymbolFlag_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:label xlink:type="resource" xlink:label="dei_TradingSymbol_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_TradingSymbol_lbl" xml:lang="en-US" id="dei_TradingSymbol_lbl">Trading Symbol</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:title="label: TradingSymbol to dei_TradingSymbol_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:label xlink:type="resource" xlink:label="dei_SecurityExchangeName_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SecurityExchangeName_lbl" xml:lang="en-US" id="dei_SecurityExchangeName_lbl">Security Exchange Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:title="label: SecurityExchangeName to dei_SecurityExchangeName_lbl" />
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>4
<FILENAME>ovbc-20230427_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 23.3.1.5138 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
  <link:roleRef roleURI="http://ovbc.com/role/DocumentAndEntityInformation" xlink:type="simple" xlink:href="ovbc-20230427.xsd#DocumentAndEntityInformation" />
  <link:presentationLink xlink:type="extended" xlink:role="http://ovbc.com/role/DocumentAndEntityInformation">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CoverAbstract" xlink:label="CoverAbstract" xlink:title="CoverAbstract" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentType" xlink:title="presentation: CoverAbstract to DocumentType" order="0.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="AmendmentFlag" xlink:title="presentation: CoverAbstract to AmendmentFlag" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentPeriodEndDate" xlink:title="presentation: CoverAbstract to DocumentPeriodEndDate" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentFiscalYearFocus" xlink:title="presentation: CoverAbstract to DocumentFiscalYearFocus" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentFiscalPeriodFocus" xlink:title="presentation: CoverAbstract to DocumentFiscalPeriodFocus" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityFileNumber" xlink:title="presentation: CoverAbstract to EntityFileNumber" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityRegistrantName" xlink:title="presentation: CoverAbstract to EntityRegistrantName" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityCentralIndexKey" xlink:title="presentation: CoverAbstract to EntityCentralIndexKey" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityIncorporationStateCountryCode" xlink:title="presentation: CoverAbstract to EntityIncorporationStateCountryCode" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityTaxIdentificationNumber" xlink:title="presentation: CoverAbstract to EntityTaxIdentificationNumber" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine1" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine1" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine2" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine2" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine3" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine3" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressCityOrTown" xlink:title="presentation: CoverAbstract to EntityAddressCityOrTown" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressStateOrProvince" xlink:title="presentation: CoverAbstract to EntityAddressStateOrProvince" order="14.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressCountry" xlink:title="presentation: CoverAbstract to EntityAddressCountry" order="15.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressPostalZipCode" xlink:title="presentation: CoverAbstract to EntityAddressPostalZipCode" order="16.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="CityAreaCode" xlink:title="presentation: CoverAbstract to CityAreaCode" order="17.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="LocalPhoneNumber" xlink:title="presentation: CoverAbstract to LocalPhoneNumber" order="18.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="Security12bTitle" xlink:title="presentation: CoverAbstract to Security12bTitle" order="19.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="TradingSymbol" xlink:title="presentation: CoverAbstract to TradingSymbol" order="20.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="NoTradingSymbolFlag" xlink:title="presentation: CoverAbstract to NoTradingSymbolFlag" order="21.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SecurityExchangeName" xlink:title="presentation: CoverAbstract to SecurityExchangeName" order="22.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityEmergingGrowthCompany" xlink:title="presentation: CoverAbstract to EntityEmergingGrowthCompany" order="23.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="WrittenCommunications" xlink:title="presentation: CoverAbstract to WrittenCommunications" order="24.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SolicitingMaterial" xlink:title="presentation: CoverAbstract to SolicitingMaterial" order="25.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="PreCommencementTenderOffer" xlink:title="presentation: CoverAbstract to PreCommencementTenderOffer" order="26.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="PreCommencementIssuerTenderOffer" xlink:title="presentation: CoverAbstract to PreCommencementIssuerTenderOffer" order="27.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>5
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.23.1</span><table class="report" border="0" cellspacing="2" id="idm139913499250576">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Apr. 27, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Apr. 27,  2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">000-20914<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">OHIO VALLEY BANC CORP<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000894671<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">OH<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">31-1359191<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">420 THIRD AVENUE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">PO BOX 240<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">GALLIPOLIS<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">OH<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">45631<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">740<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">446-2631<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Shares, without par value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">OVBC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>6
<FILENAME>sec8kearngsrels033123_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2022"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="ovbc-20230427.xsd" xlink:type="simple"/>
    <context id="c20230427to20230427">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000894671</identifier>
        </entity>
        <period>
            <startDate>2023-04-27</startDate>
            <endDate>2023-04-27</endDate>
        </period>
    </context>
    <dei:AmendmentFlag
      contextRef="c20230427to20230427"
      id="Fact_39251c3cd6d34e3ea4b1e89d8979cbc5">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="c20230427to20230427"
      id="Fact_829100d50db7428fb837a1b4ac5d3771">0000894671</dei:EntityCentralIndexKey>
    <dei:DocumentType
      contextRef="c20230427to20230427"
      id="Fact_aaf9901aac124f3d84576e9eb6444a88">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate
      contextRef="c20230427to20230427"
      id="Fact_0028731e3a184fd7b85e9834d84e5ee8">2023-04-27</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName
      contextRef="c20230427to20230427"
      id="Fact_631b54d570dd46be97c8ba2b1a0fab1c">OHIO VALLEY BANC CORP</dei:EntityRegistrantName>
    <dei:EntityFileNumber
      contextRef="c20230427to20230427"
      id="Fact_6eb96869a2dc4bcda4e7246733b24891">000-20914</dei:EntityFileNumber>
    <dei:EntityIncorporationStateCountryCode
      contextRef="c20230427to20230427"
      id="Fact_96669f532332407c8d8b6d1ed1e190bf">OH</dei:EntityIncorporationStateCountryCode>
    <dei:EntityTaxIdentificationNumber
      contextRef="c20230427to20230427"
      id="Fact_bb4a9198b4584e5880ed15e807db6853">31-1359191</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1
      contextRef="c20230427to20230427"
      id="Fact_8c6889c0812e4b5b92343da86e71ed38">420 THIRD AVENUE</dei:EntityAddressAddressLine1>
    <dei:EntityAddressAddressLine2
      contextRef="c20230427to20230427"
      id="Fact_a93eb374651f4706894304ff5f37c90c">PO BOX 240</dei:EntityAddressAddressLine2>
    <dei:EntityAddressCityOrTown
      contextRef="c20230427to20230427"
      id="Fact_d991aabc01cd4b5f9dd2582ab6818a64">GALLIPOLIS</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince
      contextRef="c20230427to20230427"
      id="Fact_1e2c8de8a1ff43e7879202d7d1282263">OH</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode
      contextRef="c20230427to20230427"
      id="Fact_d9ebd9fca4604cf096aee7ad1b8db115">45631</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode
      contextRef="c20230427to20230427"
      id="Fact_bd06650582f440669a84b75fc08a0400">740</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="c20230427to20230427"
      id="Fact_ae46f8557fe14600a3416daa2a272093">446-2631</dei:LocalPhoneNumber>
    <dei:WrittenCommunications
      contextRef="c20230427to20230427"
      id="Fact_b1f5dd5166e24c5686f32d7a01b0f8cf">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial
      contextRef="c20230427to20230427"
      id="Fact_f4aa1304cd814bbdab18c40bda4d6793">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer
      contextRef="c20230427to20230427"
      id="Fact_11616d79f4bf41c485d2140685ff4ca5">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="c20230427to20230427"
      id="Fact_d897ddf762e74b5987abfba925174a8c">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle
      contextRef="c20230427to20230427"
      id="Fact_4b45b8c12d8d4d58a472777e40a1da30">Common Shares, without par value</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="c20230427to20230427"
      id="Fact_4134f8e28a12453d8dee0274fceaf5d4">OVBC</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="c20230427to20230427"
      id="Fact_1f4cb34a5dd846b3afc3a28ef0c16505">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany
      contextRef="c20230427to20230427"
      id="Fact_fd4ce0d1d6a94c788f3e9fc3f5bd49ca">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>7
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M=]W3CHG&K=!X#;[Q3X?#KHG&J]!TZVDF)_VN:Z3I%FA"1N/K>A(5M>5 TR
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M!Z.:60F]A%9JGZJ'-#ZH'C(*!?&Y'C[E>G@*-Y;&O%"N@GL!_]':-\*K^(+
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MU4#E/]O4#6CV#30<D05>,9FV-J/D3@H\W/[O#;#"Q([A[8N_ 5!+ P04
M" !3>)M66*H$.VD$   P$0  &    'AL+W=O<FMS:&5E=',O<VAE970Q+GAM
M;(V8;7.B2!#'O\H45W5U5Y6$!U%C3JU"8S;69B,7W>P]U+T8892I!88=AIA\
M^^M! UX.&]\H@_2?'SW-OV<<[H3\GD>,*?*:Q&D^,B*ELAO3S(.()32_$AE+
MX9>-D E5,)1;,\\DHV$9E,2F8UD],Z$\-<;#\IPOQT-1J)BGS)<D+Y*$RK<)
MB\5N9-C&^XDGOHV4/F&.AQG=LB537S-?PLBL5$*>L#3G(B62;4:&9]],G*X.
M**]XYFR7'QT3_2AK(;[KP3P<&98F8C$+E):@\/7"IBR.M1)P_#B(&M4]=>#Q
M\;OZ7?GP\#!KFK.IB+_Q4$4CX]H@(=O0(E9/8G?/#@]4 @8BSLM/LMM?Z[H&
M"8I<B>00# 0)3_??]/60B*. 3N=$@',(<$KN_8U*RENJZ'@HQ8Y(?36HZ8/R
M4<MH@..IGI6EDO KAS@UOA5! 4E6A*8AF:6*JS<R3_>S#5D;F@INHB\U@X/@
M9"_HG!#T,GE%G/X%<2RG\]]P$]@J0*<"=$J]S@F]J7AADOSMK7,E80K_:2+:
M*[C-"KJN;_*,!FQD0.'F3+XP8_SS3W;/^@WAZU1\'4R]3N#J+6--<'CX]>5G
M!,*M(%Q4Q0."L*2XB^FVB0*/W] X9PA'M^+HGI<,GTDN=$&%!,JR,2^X4E5&
M;774J]!ZJ."AMN]XS,ACD:R9;(+"-2S+NG2L@>TB//V*IW\.SQ/;<EW9D+-'
MFC0F"M=9W,\7Y-E[>)C]22;>XY1,%T\^PG==\5V?PS>%V90T!D\(V2OYS-Z:
M"'$ER)IU/7![?1O!&E18@W.PYFD@9"9D:5(79*F@R(B09"H*X 5L$3;F$A=?
MW".$ME5;JG4.XXJ^DGD(^>,;'I2@2.&U2';L2[O3'=@#+(?VD>G;YQ!Z80B&
MF%^\'Y 'N(XLTL;4M4BZCD56]_.G6^(]SQZ_SC#.VOMMU+IQSM5.-'+BDOZ"
M3!9_$,>U,,+:_6W<OS\23O4("G$E=LW-$Y?[!"_RW%\\S)<87=T6;-S7/])5
M[XDOQ0M/@^:)QC7QEZ3N%#9N\!_1?)$K\)F_>';RY6U1=+N]#OIZU*W"QGV^
MG$0/%KFG47"!/EY==8^P<7-_$ 'DQ(]$BC6M%A'7[5TZ+:FINX*-F_F**VB@
M8D-LYY?UKV3)@D)"MAJQ<*6I2!*PQ&5$H0 N8-FK(M@UD(Q*\D+C EN.V'6W
ML'%'7TD:\G1+EF_)6L2-E"TMX7DRQ5:Q=5-P< =_SQ29O0813;?L9+]O$7KT
MEK?>[QA3W0:<L]K +&%RJ[/T"114!$6?9#1MG-,6P;9UI'.TZL=M^AOD2K%4
MLR1%>NB?>2,2+M2*5%N]@WOS4L0\X$HGZ@O8J.2TL:!:5%IY:G-W<"/V);L,
M(#T,?'R_ X%- .R5%IM-LT^TZ+62U=[NX$[\/[)YGA= U@J(RYX$-(_VO_J_
MA"]4UW-.8K8!(>NJ#[IROSW?#Y3(RBWQ6BC88)>'$:/ IB^ WS="J/>!WF57
M?Y*,_P502P,$%     @ 4WB;5I^@&_"Q @  X@P   T   !X;"]S='EL97,N
M>&ULW5=M:]LP$/XK0C]@;F)JXI$8MD!AL(U"\V%?E5AV!'KQ9+ES^NNGLVPG
M:75EW8>QS:')W3VZNT=W)YFN6W>2_.'(N2.]DKK=T*-SS?LD:0]'KEC[SC1<
M>Z0R5C'G55LG;6,Y*UMP4C)9WMQDB6)"TV*M.W6G7$L.IM-N0V]H4JPKH\^6
ME :#7\H4)X],;NB62;&W8EC+E)"G8%Z"X6"DL<1Y*GQ#%V!IGP*\"!JP'.,H
MH8T%8Q(RA._]N/P9,&FM5X64,\$E#89BW3#GN-5W7AD6#\87$!GEW:GQ#&O+
M3HOE+3T[##\^R=[8DMLYS8).IF(M>05TK*B/\.M,DP#HG%%>* 6KC68#A\EC
M%'S8 Y?R 5KXK;J*W5<D].)3"6T@L-5)](1&,80)"L2_C!9B7X2]_:VPI!&/
MQGWL_&[TH'_OC./WEE>B'_2^FO-CT1=X=-8T\O1!BEHK'O;^RPF+-9O\R-%8
M\>2SP:0<O(%;2AZY=>)P:?EA6;/CO9NFJ:]PSLM_D/.?K7/--;=,7I+VH_\W
M5_DMC)/Q]%P<T:L#.EL)7(0;^A7N5WGF0/:=D$[H43N*LN3ZQ3GUX1W;^PO\
M*KY?7_**==+M9G!#S_(77HI.Y?.J>ZC+N.HL?X;[:)'-M[#/)73)>UYN1]76
M^T$D7O!9QP<<GB-WPQ-',)^ Q1' L#P8 \PG>&%Y_J?]K-#]! SCMHHB*]1G
MA?H$KQBR'3Y8GKA/[I_X3O,\3;,,J^AV&V6PQ>J69? 7CX9Q P\L#V1Z6ZWQ
M;N,3\OH<8#U];4*PG>*3B.T4KS4@\;J!1Y['NXWE 0^L"]CL0/YX'IBIN$^:
M0E<Q;M@)QI$\QQ"8Q?B,9AE2G0P^\?Y@IR1-\SR. !9GD*88 J<11S &P %#
MTG1X#SY['R73>RHY_U=3_ 102P,$%     @ 4WB;5I>*NQS     $P(   L
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M;64O=&AE;64Q+GAM;%!+ 0(4 Q0    ( %-XFU98J@0[:00  # 1   8
M          " @0X(  !X;"]W;W)K<VAE971S+W-H965T,2YX;6Q02P$"% ,4
M    " !3>)M6GZ ;\+$"  #B#   #0              @ &M#   >&PO<W1Y
M;&5S+GAM;%!+ 0(4 Q0    ( %-XFU:7BKL<P    !,"   +
M  "  8D/  !?<F5L<R\N<F5L<U!+ 0(4 Q0    ( %-XFU8<.&7J/P$  #P"
M   /              "  7(0  !X;"]W;W)K8F]O:RYX;6Q02P$"% ,4
M" !3>)M6)!Z;HJT   #X 0  &@              @ '>$0  >&PO7W)E;',O
M=V]R:V)O;VLN>&UL+G)E;'-02P$"% ,4    " !3>)M699!YDAD!  #/ P
M$P              @ '#$@  6T-O;G1E;G1?5'EP97-=+GAM;%!+!08
.."0 ) #X"   -%      !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.23.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>23</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="sec8kearngsrels033123.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>000100 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ovbc.com/role/DocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="sec8kearngsrels033123.htm">sec8kearngsrels033123.htm</File>
    <File>ovbc-20230427.xsd</File>
    <File>ovbc-20230427_lab.xml</File>
    <File>ovbc-20230427_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="23">http://xbrl.sec.gov/dei/2022</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>12
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "sec8kearngsrels033123.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/dei/2022": 23
   },
   "contextCount": 1,
   "dts": {
    "inline": {
     "local": [
      "sec8kearngsrels033123.htm"
     ]
    },
    "labelLink": {
     "local": [
      "ovbc-20230427_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "ovbc-20230427_pre.xml"
     ]
    },
    "schema": {
     "local": [
      "ovbc-20230427.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2004/ref-2004-08-10.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd",
      "https://xbrl.fasb.org/srt/2022/elts/srt-roles-2022.xsd",
      "https://xbrl.fasb.org/srt/2022/elts/srt-types-2022.xsd",
      "https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd",
      "https://xbrl.fasb.org/us-gaap/2022/elts/us-roles-2022.xsd",
      "https://xbrl.fasb.org/us-gaap/2022/elts/us-types-2022.xsd",
      "https://xbrl.sec.gov/country/2022/country-2022.xsd",
      "https://xbrl.sec.gov/currency/2022/currency-2022.xsd",
      "https://xbrl.sec.gov/dei/2022/dei-2022.xsd",
      "https://xbrl.sec.gov/exch/2022/exch-2022.xsd",
      "https://xbrl.sec.gov/naics/2022/naics-2022.xsd",
      "https://xbrl.sec.gov/sic/2022/sic-2022.xsd",
      "https://xbrl.sec.gov/stpr/2022/stpr-2022.xsd"
     ]
    }
   },
   "elementCount": 29,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2022": 2,
    "total": 2
   },
   "keyCustom": 0,
   "keyStandard": 23,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "ovbc",
   "nsuri": "http://ovbc.com/20230427",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "div",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "sec8kearngsrels033123.htm",
      "contextRef": "c20230427to20230427",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "000100 - Document - Document and Entity Information",
     "menuCat": "Cover",
     "order": "1",
     "role": "http://ovbc.com/role/DocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "div",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "sec8kearngsrels033123.htm",
      "contextRef": "c20230427to20230427",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentFiscalPeriodFocus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.",
        "label": "Document Fiscal Period Focus"
       }
      }
     },
     "localname": "DocumentFiscalPeriodFocus",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "fiscalPeriodItemType"
    },
    "dei_DocumentFiscalYearFocus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.",
        "label": "Document Fiscal Year Focus"
       }
      }
     },
     "localname": "DocumentFiscalYearFocus",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "gYearItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine2": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 2 such as Street or Suite number",
        "label": "Entity Address, Address Line Two"
       }
      }
     },
     "localname": "EntityAddressAddressLine2",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine3": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 3 such as an Office Park",
        "label": "Entity Address, Address Line Three"
       }
      }
     },
     "localname": "EntityAddressAddressLine3",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCountry": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "ISO 3166-1 alpha-2 country code.",
        "label": "Entity Address, Country"
       }
      }
     },
     "localname": "EntityAddressCountry",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "countryCodeItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation, State or Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_NoTradingSymbolFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a security having no trading symbol.",
        "label": "No Trading Symbol Flag"
       }
      }
     },
     "localname": "NoTradingSymbolFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "trueItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre-commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre-commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Title of 12(b) Security"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://ovbc.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r5": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  }
 },
 "version": "2.2"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>13
<FILENAME>0000894671-23-000019-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0000894671-23-000019-xbrl.zip
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MEJ$]A#0!%1UH\5WZ?9(^?REP\DBOS+A?'+5W#3GDB6"&RNP$QZVR_7[UJCT
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M=--^T+>8AB0XCX/N!RYW96OP]ZE'>T!%[:S]!+H?-3#4B#==L4]"OWB;XCC
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M 04!KKR]E+UV?Y5!*0V_/2B93VA9H>P?LG2V#WQ F^H&$+CVOK+V<8"11_D
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M1V%C"2_X!O%W\TU$O(B_9W_^'U!+ P04    " !3>)M697IZIC<S  "#2@,
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M@J;+(H2@KPI .HE M58%1DLH]O^&<>)[HY5$2VFV-" V29%4TC,H&K-'43A
M#CYHDO]]06.7_N<#0;?J_Y!#U-7(@[KZ,3/,Q#?MX_LL"0F4/5A?0J&*8RM"
MEF#"5M1GPK; ]_\S%#N12&J#_*#<Z1%#2_?-*452PFR],Y2N:BF 7X50,+/Q
M-(Q8A"3>Z5HG_1VJ;36-7Q3B\:@O6H@Q;)%9-/A] )\XP:UZ3=QE& (;QOB<
MQ.BDCSOF^3Q.QMV#-L29&0\,BKQK6KJ26F$\36&"7SI/OJDW 7;)D(<8+Z'
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M?U-1) RPO,)4RD/;X$Q 1T <.Z(<4DK$[-)C(E*I(LB'LX@F#@V*0X?.Y.C
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M-.A/;<QEGZ7R5+! $!P7 !\>FOE]&DOP^HI,B*WECIS0H6#2:W9'N9AF,(;
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MUT/$\2C70__^O5"6+/&SY1D8[1#^?,S2#P^A@!<,D8O&TS6]UH]E,CP% .\
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M@[XF\&+DY4X?\4/B^2$-'1\4GQ_&B9\,\5!7>8SK]CB\-$_-*"\77![D^D9
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MR^)872WUEG*Y>O>&<&;(U)T7.#P55PQI?FB^ZV&':D):BG6V%%LE*AWI^DA
M;Q[0)>9 2;?G]?-W[#A\*%(7TU._"&<.\^]Q3Y]T>[;&R*6=6J3H)=[W);V>
M-P,S39-[O.NVRO-K%+D/?A!(/T::?2N/"E$,;9\2NR2D):3W#-)OSY>Y3'J,
MHR=#PSL?#R6A<<R26*[A;)>72XNMUVY;C,18[3!6GD:HN-BOQ=K-5]R!&SV$
MS"6![S$\P'#(18(Z+N;0,!SZR2A3$]+MD3;BRL!&5[&,?3KB1V):8KJKM/7R
M-EM(QV<#CL^ <9K@72T!HS%+8=>(O,8PSIP@Z0-MEZ_+.TU5-VN77B1A5D.8
M=<LS>RJN!VKA"7UC'N,<_*"$/DJ'1QJ':\*FK6@EWG(D_1T)Z2U 6F_OT_ZS
MG:FYA;O!*[#@LU-M)K?$/X/WJ[HEOJ68)7I-\D9*">JM@+K,0X)K>2'E;*=-
M['0=O+FG#V18YP[+4I7FL^A<!='C1D/,)]D0/C:-AC*OI:\CO33T !2S75XF
M_#,9HEK6@>1>R;WE<J^F*AVK.N?#;8E[=[:.*5=IMKE*LU,)*%?DY%Q71*Q4
M=)]3^L,#PXE$L@8N=.?\[/CKV?G9[=GIC5P5J^L20D5()9>F)*ZJA*N=F9&5
MB8Y=1&%^G$'#9I1C8EQVG_T;NXCI+7BQI>7-&EVE5;^L*(EOB>_U\-TR%;/$
M*VDJKNX6KWC58?'HK%S=^#K"52&>/%GKK:IEN[%^[T[<=$Q-:9=XF?(S45FM
M)1G)0I*%#KZT.X:BF^4=O+0C%MK=NDB96GJ=)(ZWZ=2^D1TWJJ4I6E>>UB>A
MMGVHZ1VEW:H=U*JPDE49KR[-A0>SA4</S"4>=%9>/5Q!N[)R5J/640Q#[O&2
MF-XO3'?-\O19C7V>RNBSFR&ZX'Y($]!F+K-9F PYDZ[.]OBX+&:UE)9:GOZ1
M;HZ$675A)EV<)XXY"GQJ^X&?C*2;(TW":I^4)+T<">D].Y5).CD;N'TI"*('
M<1XMWB3H<.;Z>)=ZC-<-1B&)/*]ATT 4B'N,)="!?M]/\ )"Z0EMC]=+6\"M
M7PQ>@JQN(),^T#(?Z+E9-158[\E=(']7D3&9>K1MN5#+U".MJW1+M$5E\I[D
MH)ISD*XJ1H5.)*E[[EYE7+S7']6T<QTOS?&=!G$TW5*Z>NW,<@FU^D%-[;24
M3DO>:?6"53 9A:^&:5<O4LG5'8FK*N'JK=G?"T_[N?GM^/KTM\OS;Z?7-W\C
MI__X_>SVW]*RWAIOU>^(+#G7;V>NMRH1U](J5KD!BI.HWX]":"]R?I+#=UH3
M(V6)2+N%H0X9&3!.XA[E3(%7%&A3$<$T_"4F=)CT(@[UN1]WZU5(W;C9V)2N
MZ@9ID)9B=E3%;!GY!/MQ/(3))?!<3Y^WP8=4.]//WTO]^9H15C)<(*!0MU"!
MA%D-85;BND?%=44M\K*/7==/_"BD 1E0WVWX(7'HP$]H(!.SZQKGV"'_:XI5
MXJ$E,G8G,;T-3'?T?<+TV_.-KEE"_1"<8$9YZ(=W<NU]>QQ<VH(HQC.T\BX2
MD3[.6P&:VE6,^J5X2"^GZ.4XSK _#$1@-!+)UT[4'W#68V'LWS/BA_"=D4/<
MOK.C<)@T$NML)!YJAJ)I5CVMQ-V12?*2Y*4U>,E4K!(/*]\;7MJ9RE]]YW29
MROZ6,QH/^2A=%E4(Q:VW<4(.VUU#Z1KYZMBN9).\H'N#FS_*DU%MI=VNW17=
M59).DILD-TENV@M=7PN?__6;MX2=T(L"8*+X;X3]9[B[XZKD/M/2A6,%/27-
MZ"BM$L]&E5NU)0O5GH5:BJJ7%[C;L[W:<^,Q*Q4*>(T-\,SMW82&;I4LAOF)
MJ(),<Z.A';!GH633F"CO-L@*$T53]':[U&3.1?BME@$A.4IRU+,X2E.5CE5>
MALHF.6K.GDC__?.?X$<*I/Z2%DA'*C[C1_+)YN1HX;,QV0-&N>A^[R/I4W[G
MAPTP,O(MH-DO^1!2VA(GH''\^>#K]=7W*WK'OG)&?Q[#GWQ^BPT,H$##QA(-
MZB4,VJ+! QW%2ZJ90.13C^=U9"C+:*LB'1?T6U X?9K/@JK"//2R':S"U)N%
MV0+3+WMT )2;HMHL=>?'6H2)P_"JV*WLP?V$6)EJTV5.A,=[1] P#(7QP \9
M[M8]^_7B^/;WZ].;3T?XTM2 LF%,,#(]QE6VHOC%A\9"Z)G1'G?V%3Q[->3Q
MD(8)F+DDZ3'"T8+C3!S92B)/_';#G"%/+;[31Z='PSM&CIT$'VM=PU1$H6MV
MY\<)QZIZ-";N,!@1APYCYL)C/X:*!Q$7S=B,Q# HS$L)B0_-V*Q' R\'H3T2
M]0F:9N4P?84-0WA75#O9Q-=\-G&W]U@(!<!@@'+% 2GT^4 ]$-\SJ22^9W/[
M2HA.,=M*G^)@1H2-I=M2URCK9>[U-%OF+_/R%QVC-0R"Z;I,O;FQNCI-8Y/]
MZFA+*WN.0_?JDS)_.[LD?QR?GY_^FWP]OC@A)Y?75\UYE9HA,A_GIH/GSX#
M+JGSC2;LP[/LBV?@;Y<#.1YP/R!Z1\&MJL_+!'D&%^QR1%]'KYR8I0RXS.8%
M\R(-O4'K1_'1.>5\1$Z;Y(<?!(R3HK#>.5-(N;AA>,W,[C*!N+T.7'$6^VA[
MB;C72<]G'MA#8!LEF$][Z7F^LZA;+W$K5E@;ZWD=GX[LR!U]P0^]I!_ A_\/
M4$L! A0#%     @ 4WB;5DL'[0U# P  +0\  !$              ( !
M &]V8F,M,C R,S T,C<N>'-D4$L! A0#%     @ 4WB;5NZ431E^"   =%@
M !4              ( !<@,  &]V8F,M,C R,S T,C=?;&%B+GAM;%!+ 0(4
M Q0    ( %-XFU9/[W#JV 4  .D^   5              "  2,,  !O=F)C
M+3(P,C,P-#(W7W!R92YX;6Q02P$"% ,4    " !3>)M697IZIC<S  "#2@,
M&0              @ $N$@  <V5C.&ME87)N9W-R96QS,#,S,3(S+FAT;5!+
4!08     !  $  P!  "<10     !

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
