EXHIBIT10.4 SCHEDULEA TO EXHIBIT 10.3

The following individuals entered into Director Retirement Agreements with The Ohio Valley Bank Company identified below which are identical to the Director Retirement Agreement, dated December 28, 2007, between Jeffrey E. Smith and The Ohio Valley Bank Company incorporated herein by reference to Exhibit 10.3 to Ohio Valley’s Annual Report on Form 10-K for fiscal year ending December 31, 2007 (SEC File No. 0-20914), except that persons noted with an * will receive payments for only 120 months rather than 240 months based on their having served as directors of the Ohio Valley Bank Company for 10 years or less.

Date of

Name                                                                           Director Retirement Agreement

Anna P. Barnitz                                                             December 28, 2007

Steven B. Chapman                                                       December 28, 2007

Robert E. Daniel*                                                          December 28, 2007

Harold A. Howe                                                            December 28, 2007

Brent A. Saunders                                                         October 16, 2007

David W. Thomas                                                          June 17, 2008

Roger D. Williams                                                          October 16, 2007

Lannes C. Williamson                                                     December 28, 2007

Thomas E. Wiseman                                                       December 28, 2007