EXHIBIT 10.19

2016 DETERMINATION OF DIRECTOR'S FEES
 
FOR PURPOSES OF THE DIRECTOR DEFERRED FEE AGREEMENT
FOR STEVEN B. CHAPMAN

THIS AGREEMENT is made this 13th day of December, 2016, by and between THE OHIO
VALLEY BANK COMPANY located in Gallipolis, Ohio (the "Company"), and Steven B.
Chapman (the "Director").
 
The Company and the Director entered into a DEFERRED FEE AGREEMENT most recently
amended on December 18, 2012 (the "Agreement").
 
The Director agrees that the definition of "Fees" in Section 1.10 be amended to
read as follows effective for deferrals on or after January 1, 2017:

1.10  "Fees" means the total annual board retainer, monthly fees paid to all
directors and executive committee fees, earned by the Director during a Plan
Year.  For purposes of clarity, Fees does not include any lead director fees,
committee meeting or chair fees (other than the included executive committee
fees) or other special director fees.

The parties, by executing this Agreement hereby agree to the terms stated
herein.

 
DIRECTOR:
 
THE OHIO VALLEY BANK COMPANY
               
By:
 
Steven B. Chapman
 
 
Title: