HORIZON BANCORP INC /WV/
3, 1996-08-26
STATE COMMERCIAL BANKS
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                                                            OMB APPROVAL       
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- --------                                            OMB Number:  3235-0104  
 FORM 3                                             Expires: February 1, 1994  
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                                                    hours per response .... 0.5
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                    U.S. SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, DC 20549

            INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

    Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934,
                                 Section 17(a)
      of the Public Utility Holding Company Act of 1935 or Section 30(f)
                     of the Investment Company Act of 1940


<TABLE>
<S>                                        <C>                           <C>                                 <C>                 
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 1. Name and Address of Reporting Person   2. Date of Event Requiring    4. Issuer Name and Ticker or        
      ROWE       SHARON      HORTON           Statement                     Trading Symbol                         
- ----------------------------------------      (Month/Day/Year)            HORIZON BANCORP,  INC. of WEST VIRGINA   
     (Last)     (First)     (Middle)              8/14/96                ------------------------------------
    203 W. RANDOLPH STREET                 ----------------------------  5. Relationship of Reporting          6. If Amendment, Date
- ----------------------------------------   3. IRS or Social Security          Person to Issuer                    of Original
             (Street)                         Number of Reporting             (Check all applicable)              (Month/Day/Year)
                                              Person (Voluntary)           X   Director   -----  10% Owner                     
   LEWISBURG       WV     24901-1023          ###-##-####                ----- Officer    -----  Other (specify        
- --------------------------------------     ----------------------------  (give title below)            below)        
      (City)      (State)      (Zip)                                                                                     
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                                                            TABLE 1 -- NON-DERIVATIVE SECURITIES BENEFICIALLY OWNED      
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 1. Title of Security                         2. Amount of Securities         3. Ownership Form:         4. Nature of Indirect     
    (Instr. 4)                                   Beneficially Owned              Direct (D) or              Beneficial    
                                                 (Instr. 4)                      Indirect (I)               Ownership (Instr. 5)
                                                                                 (Instr. 5)                 
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    COMMON STOCK                                    8,241                             D                         SELF
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    COMMON STOCK                                        4                             I                         DAUGHTER
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Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.                   (Over)
                                                                               (Print or Type Responses)             SEC 1473 (8/92)
</TABLE>
                 

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<TABLE>
<CAPTION>
 
FORM 3 (CONTINUED)               TABLE II -- DERIVATIVE SECURITIES BENEFICIALLY OWNED
                            (E.G., PUTS, CALLS, WARRANTS, OPTIONS, CONVERTIBLE SECURITIES)
 
<S>                              <C>                <C>                            <C>           <C>         <C>        
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1. Title of Derivative Security  2. Date            3. Title and Amount of         4. Conver-    5. Owner-   6. Nature of Indirect
   (Instr. 4)                       Exercisable and    Securities Underlying          sion or       ship        Beneficial Ownership
                                    Expiration Date    Derivative Security            Exercise      Form of     (Instr. 5)          
                                    (Month/Day/        (Instr. 4)                     Price of      Deriv-                         
                                    Year)                                             Deri-         ative                          
                                                                                      vative        Security:                      
                                                                                      Security      Direct                         
                                 -------------------------------------------------                  (D) or                         
                                 Date      Expira-                       Amount or                  Indirect (I)  
                                 Exercis-  tion             Title        Number                     (Instr. 5)             
                                 able      Date                          of Shares                                                 
                                                                                                                                   
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Explanation of Responses:

                                                                                        /s/ SHARON HORTON ROWE            8/21/96
**Intentional misstatements or omissions of facts constitute Federal Criminal        -------------------------------   -------------
  Violations.  See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).                             **Signature of Reporting Person        Date
                                                                                            Sharon Horton Rowe
Note. File three copies of this Form, one of which must be manually signed.                                           Page 2     
  If space provided is insufficient, See Instruction 6 for procedure.                                             SEC 1473 (8/92)
                                                                                                                                 
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