OHIO VALLEY BANC CORP
10-Q, EX-27, 2000-11-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>


<ARTICLE>                                    9
<MULTIPLIER>                                       1,000

<S>                                          <C>
<PERIOD-TYPE>                                9-MOS
<FISCAL-YEAR-END>                            DEC-31-2000
<PERIOD-END>                                 SEP-30-2000
<CASH>                                            12,352
<INT-BEARING-DEPOSITS>                             1,100
<FED-FUNDS-SOLD>                                   1,925
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                       58,734
<INVESTMENTS-CARRYING>                            17,184
<INVESTMENTS-MARKET>                              17,270
<LOANS>                                          441,983
<ALLOWANCE>                                        5,213
<TOTAL-ASSETS>                                   553,888
<DEPOSITS>                                       435,156
<SHORT-TERM>                                      42,295
<LIABILITIES-OTHER>                                9,007
<LONG-TERM>                                       24,149
                                  0
                                            0
<COMMON>                                           3,560
<OTHER-SE>                                        39,721
<TOTAL-LIABILITIES-AND-EQUITY>                   553,888
<INTEREST-LOAN>                                   29,810
<INTEREST-INVEST>                                  3,340
<INTEREST-OTHER>                                     229
<INTEREST-TOTAL>                                  33,379
<INTEREST-DEPOSIT>                                14,871
<INTEREST-EXPENSE>                                17,440
<INTEREST-INCOME-NET>                             15,939
<LOAN-LOSSES>                                      1,165
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                   12,933
<INCOME-PRETAX>                                    4,359
<INCOME-PRE-EXTRAORDINARY>                         4,359
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                       3,142
<EPS-BASIC>                                          .89
<EPS-DILUTED>                                        .89
<YIELD-ACTUAL>                                      4.15
<LOANS-NON>                                        2,681
<LOANS-PAST>                                       3,938
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                      530
<ALLOWANCE-OPEN>                                   5,055
<CHARGE-OFFS>                                      1,195
<RECOVERIES>                                         188
<ALLOWANCE-CLOSE>                                  5,213
<ALLOWANCE-DOMESTIC>                               3,752
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                            1,461


</TABLE>


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