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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>As filed with the Securities and Exchange
Commission on June ____, 2013. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Registration Statement No. 333-<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></P>

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<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>UNITED STATES </B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>WASHINGTON, DC 20549 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>FORM S-8 </B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>REGISTRATION STATEMENT </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>UNDER </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>THE SECURITIES ACT OF 1933 </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>MVB FINANCIAL CORP.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Exact name of registrant as specified in
its charter) </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><B>West Virginia</B></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><B>20-0034461</B></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(State or other jurisdiction of</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0.75pt; text-align: center"><B>incorporation or organization)</B></P></TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(I.R.S. Employer</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0.75pt; text-align: center"><B>Identification No.)</B></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>301 Virginia Avenue<BR>
Fairmont, West Virginia 26554-2777</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(304) 363-4800</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Address of Principal Executive Office, including
zip code) </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>MVB Financial Corp.<BR>
2013 Stock Incentive Plan </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Full title of the plan) </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Eric L. Tichenor<BR>
MVB Financial Corp.<BR>
301 Virginia Avenue<BR>
Fairmont, West Virginia 26554-2777 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(304) 363-4800</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Name, address, including zip code, and telephone
number including area code, of agent for service) </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>Copy to: </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Charles D. Dunbar<BR>
Elizabeth Osenton Lord<BR>
Jackson Kelly PLLC<BR>
500 Lee Street, East, Suite 1600<BR>
Charleston, West Virginia 25301<BR>
(304) 340-1000</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Indicate by check mark whether the registrant is a large accelerated
filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of &ldquo;large accelerated
filer,&rdquo; &ldquo;accelerated filer&rdquo; and &ldquo;smaller reporting company&rdquo; in Rule 12b-2 of the Exchange Act.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">(Check one):</P>

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<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="width: 16%; padding-left: 2em"><FONT STYLE="font-size: 10pt">Large accelerated filer</FONT></TD>
    <TD NOWRAP STYLE="width: 34%"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD NOWRAP STYLE="width: 22%"><FONT STYLE="font-size: 10pt">Accelerated filer</FONT></TD>
    <TD NOWRAP STYLE="width: 28%"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="padding-left: 2em"><FONT STYLE="font-size: 10pt">Non-accelerated filer</FONT></TD>
    <TD NOWRAP><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD NOWRAP><FONT STYLE="font-size: 10pt">Smaller reporting company </FONT></TD>
    <TD NOWRAP><FONT STYLE="font: 10pt Wingdings">&#253;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP COLSPAN="2"><FONT STYLE="font-size: 10pt">(Do not check if a smaller reporting company)</FONT></TD>
    <TD NOWRAP>&nbsp;</TD>
    <TD NOWRAP>&nbsp;</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CALCULATION OF REGISTRATION FEE </B></P>



<HR SIZE="3" NOSHADE ALIGN="LEFT" STYLE="width: 100%; color: black">

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font-size: 10pt; width: 100%">
<TR>
    <TD STYLE="width: 49%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 6%">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 6%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 6%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 6%">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Title of each class of</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0.75pt; text-align: center"><B>securities to be registered</B></P></TD>
    <TD NOWRAP STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD NOWRAP>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Amount to be</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0.75pt; text-align: center"><B>registered<SUP>(1)</SUP></B></P></TD>
    <TD NOWRAP STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD NOWRAP>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Proposed&nbsp;maximum</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>offering price</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0.75pt; text-align: center"><B>per share<SUP>(1)</SUP></B></P></TD>
    <TD NOWRAP STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD NOWRAP>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Proposed&nbsp;maximum</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>aggregate</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0.75pt; text-align: center"><B>offering&nbsp;price<SUP>(1)</SUP></B></P></TD>
    <TD NOWRAP STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD NOWRAP>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Amount of</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0.75pt; text-align: center"><B>registration&nbsp;fee</B></P></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="9" STYLE="text-align: center"><HR SIZE="1" NOSHADE ALIGN="CENTER" STYLE="width: 100%; color: black"> </TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Common Stock, $1.00 par value</FONT></TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">1,100,000&nbsp;shares</FONT></TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">$21.34</FONT></TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">$23,474,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt">$3,202.00</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; font: 10pt Times New Roman, Times, Serif; border-top: Black 2pt solid; border-bottom: Black 2pt solid"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; border-top: Black 2pt solid; border-bottom: Black 2pt solid"><FONT STYLE="font-size: 10pt">Estimated solely for the purpose of calculating the registration fee on the basis of the book value of MVB Financial Corp. common stock on May 31, 2013. </FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>PART I </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>INFORMATION REQUIRED IN THE SECTION 10(a)
PROSPECTUS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Item 1.&nbsp;&nbsp;Plan Information.</B></FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">Not required to be filed with the Securities
and Exchange Commission (the &ldquo;Commission&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Item 2.&nbsp;&nbsp;Registrant Information
and Employee Plan Annual Information.</B></FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">Not required to be filed with the Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>PART II </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>INFORMATION REQUIRED IN THE REGISTRATION
STATEMENT </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Item 3.&nbsp;&nbsp;Incorporation of Documents by Reference.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">The following documents filed by MVB Financial
Corp. (the &ldquo;Company&rdquo; or &ldquo;MVB Financial&rdquo;) with the Securities and Exchange Commission (SEC File No. 000-50567)
under the Securities Exchange Act of 1934 (the &ldquo;Exchange Act&rdquo;) are hereby incorporated by reference in this Prospectus:
(i) the Company&rsquo;s Annual Report on Form&nbsp;10-K for the period ended December 31, 2012, as filed with the SEC March 29,
2013, as amended by Form&nbsp;10-K/A, as filed with the SEC April 29, 2013; (ii)&nbsp;the Company&rsquo;s Quarterly Report on Form
10-Q for the period ended March 31, 2013, as filed with the SEC May&nbsp;15, 2013; (iii) the Company&rsquo;s Current Report on
Form 8-K filed May 22, 2013; (iv) the Company&rsquo;s Quarterly Report on Form 8-K filed May 28, 2013 and (iv) the Company&rsquo;s
definitive Proxy Statement for the 2013 Annual Meeting of Shareholders, as filed with the SEC April 12, 2013. All documents subsequently
filed by the Company pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act prior to the filing of a post-effective
amendment that indicates that all of the shares of Common Stock have been sold or that deregisters all of the shares of Common
Stock then remaining unsold shall be deemed to be incorporated by reference herein and to be a part hereof from the date of filing
of such documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">Any statement contained herein or in a document
incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for the purposes of
this Prospectus to the extent that a statement contained herein or in any other subsequently filed document, as the case may be,
which also is or is deemed to be incorporated by reference herein, modifies or supersedes such statement. Any such statement so
modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">The Company will provide on request and without
charge to each person to whom this Prospectus is delivered a copy (without exhibits) of any or all documents incorporated by reference
into this Prospectus. Requests for such copies should be directed to MVB Financial Corp., 301 Virginia Avenue, Fairmont, West Virginia
26554-2777, Attn.: Chief Financial Officer (telephone: (304) 363-4800).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Item 4.&nbsp;&nbsp;Description of Securities.</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 27pt"><B><I>Authorized Stock.</I></B> MVB currently
has a total authorized capital of $18,500,000 consisting of 10,000,000 shares of common stock, with a par value of $1.00 per share,
and 8,500 shares of preferred stock with a par value of $1,000 per share.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 27pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt"><B><I>General Rights.</I></B> The articles
of incorporation and bylaws of the company govern the holding company&rsquo;s shareholders. The company&rsquo;s common shareholders
have the following rights:</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 42.5pt"></TD><TD STYLE="width: 20.15pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Holders of company common stock are entitled to one vote for each share of common stock and to receive pro rata any assets
distributed to shareholders upon liquidation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 42.5pt"></TD><TD STYLE="width: 20.15pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Shareholders do not have preemptive rights.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 42.5pt"></TD><TD STYLE="width: 20.15pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Shareholders have the right under West Virginia law to dissent from certain corporate transactions and to elect dissenters&#8217;
rights.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 42.5pt"></TD><TD STYLE="width: 20.15pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>The board of directors may fill a vacancy of the board occurring during the course of the year, including a vacancy created
by an increase in the number of directors.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0"><B><I>Dividends and Dividend
Rights.</I></B> MVB Financial&rsquo;s stockholders are entitled to receive dividends when and as declared by its board of directors,
subject to various regulatory restrictions. Dividends of MVB Bank, Inc., MVB&nbsp;Financial&rsquo;s wholly-owned subsidiary (the
&ldquo;bank&rdquo;), are subject to the restrictions contained in W. Va. Code &sect;&nbsp;31A-4-25. That statute provides that
not less than one-tenth part of the net profits of the preceding half-year (in the case of quarterly or semi-annual dividends)
or the preceding two consecutive half-year periods (in the case of annual dividends) must be carried to a bank&rsquo;s surplus
fund until the surplus fund equals the amount of its capital stock. The prior approval of the West Virginia Commissioner of Banking
is required if the total of all dividends declared by a state bank in any calendar year will exceed the bank&rsquo;s net profits
for that year combined with its retained net profits for the preceding two years. The statute defines &ldquo;net profits&rdquo;
as the remainder of all earnings from current operations plus actual recoveries on loans and investments and other assets after
deducting all current operating expenses, actual losses and all federal and state taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">MVB Financial&rsquo;s
future cash dividends will depend on its consolidated earnings, general economic conditions, financial condition of its subsidiaries
and other factors generally affecting dividend policy. Currently, regulatory requirements prevent the company from paying a dividend.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0"><B><I>Voting Rights.</I></B>
All voting rights with respect to MVB Financial will be vested in the holders of MVB Financial&rsquo;s common stock. In the election
of directors, on notice at least 48 hours before the meeting, the shareholders of MVB Financial and the bank have the right to
vote the number of shares owned by them for as many persons as there are directors to be elected, or to cumulate such shares and
give one candidate as many votes as the number of directors to be elected multiplied by the number of shares they own, or to distribute
them on the same principle among as many candidates as they may decide. For all other purposes, each share is entitled to one vote.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0"><B><I>Preemptive Rights.</I></B>
The holders of common stock of MVB Financial have no preemptive rights to subscribe to any additional securities which MVB Financial
may issue. If MVB Financial should decide to issue any or all of these shares, the effect would be to dilute the percentage ownership
of the shareholders who do not purchase a pro rata portion of the shares issued.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0"><B><I>Transferability.</I></B>
Shares of common stock issued upon exercise of options granted pursuant to the plan may not be resold by participants who are affiliates
of MVB Financial unless the shares are registered under the Securities Act or are sold pursuant to an applicable exemption from
registration, including the exemption from registration set forth in Rule 144 or rule 145 promulgated by the Securities and Exchange
Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0"><B><I>Antitakeover Provisions.
</I></B>MVB Financial&rsquo;s articles of incorporation and bylaws will contain the following antitakeover provisions.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Staggered Directors&#8217; Terms. The directors of MVB Financial are elected for staggered terms of three years. This provision
has the effect of making it more difficult and time consuming for a shareholder who has acquired or controls a majority of MVB
Financial&#8217;s outstanding common stock to gain immediate control of the board of directors or otherwise disrupt MVB Financial&#8217;s
management.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 6pt 0 5pt 63pt; text-indent: -0.25in">&nbsp;</P>

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<TD STYLE="width: 45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>75% Vote Required to Remove Directors. MVB Financial&#8217;s articles of incorporation and bylaws provide that holders of at
least 75% of the voting power of shares entitled to vote generally in the election of directors may remove a director. This provision
in MVB Financial&#8217;s articles and bylaws makes it more difficult for a third party to fill vacancies created by removal with
its own nominees.</TD></TR></TABLE>

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<TD STYLE="width: 45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>MVB Financial&#8217;s Articles of Incorporation Contain Supermajority Provisions. The supermajority provisions in MVB Financial&#8217;s
articles of incorporation and bylaws provide that the affirmative vote of the holders of at least 75% of the outstanding shares
of the voting stock of MVB Financial is required to amend or repeal articles of incorporation provisions dealing with the classification
of the board of directors, director nominations, appointment to newly created directorships, vacancies of directors, removal of
directors and business combinations by unsolicited and unapproved third parties.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>MVB Financial&#8217;s articles also require a two-thirds affirmative vote of the members of the board to amend the bylaws,
to change the principal office, change the number of directors, change the number of directors on the executive committee or make
a substantial change in the duties of the chairman of the board of the directors and the president. The purpose of a supermajority
requirement is to prevent a shareholder with a majority of MVB Financial&#8217;s voting power from avoiding the requirements of
the foregoing by simply repealing them.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 5pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B><I>Fair Price Provision.</I></B> MVB Financial&#8217;s articles of incorporation contain what is known as a &#8220;fair
price provision.&#8221; The fair price provision requires the approval of at least 75% of MVB Financial&#8217;s shares entitled
to vote to approve transactions with an interested shareholder except in cases where either (1) price criteria and procedural requirements
are satisfied, or (2) a majority of MVB Financial&#8217;s board of directors recommends the transaction to the shareholders. If
the minimum price criteria and procedural requirements are met or the requisite approval of MVB Financial&#8217;s board of directors
are given, the normal requirements of West Virginia law would apply.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 1in">An &ldquo;interested
shareholder&rdquo; is any person, other than MVB Financial or any of its subsidiaries, who is, or who was within the two-year period
immediately before the announcement of a proposed business combination, the beneficial owner of more than 10% of MVB Financial&rsquo;s
voting power. It also includes any person who is an assignee of, or has succeeded to, any shares of voting stock in a transaction
not involving a public offering which were at any time within the prior two-year period beneficially owned by interested shareholders.
A &ldquo;disinterested director&rdquo; is any member of the board of directors of MVB Financial who is not affiliated with an interested
shareholder and who was a director of MVB Financial prior to the time the interested shareholder became an interested shareholder.
It also includes any successor to a disinterested director who is not affiliated with an interested shareholder and who was recommended
by a majority of the disinterested directors then on the board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0"><B><I>Advantages of MVB
Financial&rsquo;s Proposed Antitakeover Provisions.</I></B> The provisions discussed above may constitute defensive measures because
they may discourage or deter a third party from attempting to acquire control of MVB Financial. The purpose of these provisions
is to discourage and to insulate the corporation against hostile takeover efforts which MVB Financial&rsquo;s board of directors
might determine are not in the best interests of MVB Financial and its shareholders. We believe that these provisions are reasonable
precautions to ensure that a party seeking control will discuss its proposal with management.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0"><B><I>Disadvantages of
MVB Financial&rsquo;s Antitakeover Provisions.</I></B> The classification of the board of directors makes it more difficult to
change directors because they are elected for terms of three years rather than one year, and at least two annual meetings instead
of one are required to change a majority of the board of directors. Furthermore, because of the smaller number of directors to
be elected at each annual meeting, holders of a majority of the voting stock may be in a less favorable position to elect directors
through the use of cumulative voting. The supermajority provisions make it more difficult for shareholders to effect changes in
the classification of directors.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">Collectively, the provisions
may be beneficial to management in a hostile takeover attempt, making it more difficult to effect changes, and at the same time,
adversely affecting shareholders who might wish to participate in a takeover attempt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0"><B>Item 5. &nbsp;&nbsp;Interests of Named Experts and
Counsel</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">Not applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0"><B>Item 6. &nbsp;&nbsp;Indemnification of Directors and
Officers</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">Reference is made to
the provisions of Article VII of MVB Financial&rsquo;s articles of incorporation below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-right: 0; margin-left: 0"><B>ARTICLE VII</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">Provisions for the regulation
of the internal affairs of the corporation are:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">A. <U>Indemnification</U>.
Each person who was or is a party or is threatened to be made a party to or is involved (including, without limitation, as a witness
or deponent) in any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative, investigative
or otherwise in nature (&ldquo;Proceeding&rdquo;), by reason of the fact that he or she, or a person of whom he or she is the legal
representative, is or was a director or officer of the corporation or is or was serving at the written request of the corporation&rsquo;s
Board of Directors, president or their delegate as a director, officer, employee or agent of another corporation, partnership,
joint venture, trust or other enterprise, including service with respect to employee benefit plans, whether the basis of such Proceeding
is alleged action or omission in an official capacity as a director, officer, trustee, employee or agent or in any other capacity,
shall be indemnified and held harmless by the corporation to the fullest extent authorized by law, including but not limited to
the West Virginia Code, as the same exists or may hereafter be amended (but, in the case of any such amendment, only to the extent
that such amendment permits the corporation to provide broader indemnification rights than said Code permitted the corporation
to provide prior to such amendment), against all expenses, liability and loss (including, without limitation, attorneys&rsquo;
fees and disbursements, judgments, fines, ERISA or other similar or dissimilar excise taxes or penalties and amounts paid or to
be paid in settlement) incurred or suffered by such person in connection therewith; provided, however, that the corporation shall
indemnify any such person seeking indemnity in connection with a Proceeding (or part thereof) initiated by such person only if
such Proceeding (or part thereof) was authorized by the Board of Directors of the corporation; provided, further, that the corporation
shall not indemnify any person for civil money penalties or other matters, to the extent such indemnification is specifically not
permissible pursuant to federal or state statute or regulation, or order or rule of a regulatory agency of the federal or state
government with authority to enter, make or promulgate such order or rule. Such right shall include the right to be paid by the
corporation expenses, including, without limitation, attorneys&rsquo; fees and disbursements, incurred in defending or participating
in any such Proceeding in advance of its final disposition; provided, however, that the payment of such expenses in advance of
the final disposition of such Proceeding shall be made only upon delivery to the corporation of an undertaking, by or on behalf
of such director or officer, in which such director or officer agrees to repay all amounts so advanced if it should be ultimately
determined that such person is not entitled to be indemnified under this Article or otherwise. The termination of any Proceeding
by judgment, order, settlement, conviction, or upon a plea of nolo contendere or its equivalent, shall not, of itself, create a
presumption that the person did not act in good faith and in a manner which he reasonably believed to be in or not opposed to the
best interest of the corporation, or that such person did have reasonable cause to believe that his conduct was unlawful.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">B. <U>Right of Claimant
to Bring Suit</U>. If a claim under this Article is not paid in full by the corporation within thirty days after a written claim
therefor has been received by the corporation, the claimant may at any time thereafter bring suit against the corporation to recover
the unpaid amount of the claim and, if successful, in whole or in part, the claimant shall be entitled to be paid also the expense
of prosecuting such claim. It shall be a defense to any such action (other than an action brought to enforce a claim for expenses
incurred in defending or participating in any Proceeding in advance of its final disposition where the required undertaking has
been tendered to the corporation) that the claimant has not met the standards of conduct which make it permissible under the applicable
law for the corporation to indemnify the claimant for the amount claimed, but the burden of proving such defense shall be on the
corporation.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">Neither the failure of
the corporation (including its Board of Directors, independent legal counsel, or its shareholders) to have made a determination
prior to the commencement of such action that indemnification or reimbursement of the claimant is permitted in the circumstances
because he or she has met the applicable standard of conduct, nor an actual determination by the corporation (including its Board
of Directors, independent legal counsel, or its shareholders) that the claimant has not met such applicable standard of conduct,
shall be a defense to the action or create a presumption that the claimant has not met the applicable standard of conduct.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">C. <U>Contractual Rights:
Applicability</U>. The right to be indemnified or to the reimbursement or advancement of expenses pursuant hereto (i) is a contract
right based upon good and valuable consideration, pursuant to which the person entitled thereto may bring suit as if the provisions
hereof were set forth in a separate written contract between the corporation and the director or officer, (ii) is intended to be
retroactive and shall be available with respect to events occurring prior to the adoption hereof, and (iii) shall continue to exist
after the rescission or restrictive modification hereof with respect to events occurring prior thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">D. <U>Requested Service</U>.
Any director or officer of the corporation serving, in any capacity, (i) another corporation of which five percent (5%) or more
of the shares entitled to vote in the election of its directors is held by the corporation, or (ii) any employee benefit plan of
the corporation or of any corporation referred to herein shall be deemed to be doing so at the request of the corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">E. <U>Non-Exclusivity
of Rights</U>. The rights conferred on any person hereunder shall not be exclusive of and shall be in addition to any other right
which such person may have or may hereafter acquire under any statute, provision of the Certificate of Incorporation, Bylaws, agreement,
vote of shareholders or disinterested directors or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">F. <U>Insurance</U>.
The corporation may purchase and maintain insurance, at its expense, to protect itself and any director, officer, employee or agent
of the corporation or another corporation, partnership, joint venture, trust or other enterprise against such expense, liability
or loss, whether or not the corporation would have the power to indemnify such person against such expense, liability or loss under
West Virginia law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">G. <U>Limitation of Liability</U>.
A director of the corporation shall not be personally liable to the corporation or its stockholders for monetary damages for breach
of fiduciary duty as a director except to the extent that such exception from liability or limitation thereof is not permitted
by the West Virginia Business Corporation Act or the laws of the United States or the State of West Virginia, as the same may exist
or are hereafter amended. Any repeal or modification of the foregoing provision by the stockholders of the corporation shall not
adversely affect any right of protection of a director of the corporation existing at the time of such repeal or modification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">MVB Financial is a West
Virginia corporation subject to the applicable indemnification provisions of the General Corporation Law of West Virginia.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">The foregoing indemnity
provisions have the effect of reducing directors&rsquo; and officers&rsquo; exposure to personal liability for actions taken in
connection with their respective positions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">Insofar as indemnification
for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of MVB
Financial pursuant to the foregoing provisions, or otherwise, MVB Financial has been advised that in the opinion of the Securities
and Exchange Commission such indemnification is against public policy as expressed in the Securities Act of 1933 and is, therefore,
unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by MVB Financial
of expenses incurred or paid by a director, officer or controlling person of MVB Financial in the successful defense of any action,
suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered,
MVB Financial will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court
of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities
Act of 1933 and will be governed by the final adjudication of such issue.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0"><B>Item 7. &nbsp;&nbsp;Exemption from Registration Claimed</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 24.5pt; margin-right: 0; margin-left: 0">Not applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0"><B>Item 8. &nbsp;&nbsp;Exhibits</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.5pt"></TD><TD STYLE="width: 47.5pt">5.1</TD><TD>Opinion of Jackson Kelly PLLC (as to the legality of the securities being registered).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.5pt"></TD><TD STYLE="width: 47.5pt">10.1</TD><TD>MVB Financial Corp. 2013 Stock Incentive Plan (filed as Exhibit A to MVB Financial&rsquo;s Definitive Proxy Statement on Schedule
14A filed with the Securities and Exchange Commission on April&nbsp;12, 2013 and incorporated herein by reference).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.5pt"></TD><TD STYLE="width: 47.5pt">23.1</TD><TD>Consent of Jackson Kelly PLLC (included in the opinion filed as Exhibit 5.1 to the Registration Statement).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.5pt"></TD><TD STYLE="width: 47.5pt">23.2</TD><TD>Consent of S.R. Snodgrass, A.C.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 24.5pt"></TD><TD STYLE="width: 47.5pt">24.1</TD><TD>Power of Attorney (included on signature page).</TD></TR></TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0"><B>Item 9. Undertakings </B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD>The undersigned registrant hereby undertakes:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin-right: 0; margin-left: 0.5in">(1) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To file, during
any period in which offers or sales are being made, a post-effective amendment to the registration statement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin-right: 0; margin-left: 1in">(i) To include any prospectus
required by section 10(a)(3) of the Securities Act of 1933;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin-right: 0; margin-left: 1in">(ii) To reflect in the
prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective
amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the
registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar
value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated
maximum offering range may be reflected in the form of prospectus filed with the SEC pursuant to Rule 424(b) if, in the aggregate,
the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the &ldquo;Calculation
of Registration Fee&rdquo; table in the effective registration statement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin-right: 0; margin-left: 1in">(iii) To include any
material information with respect to the plan of distribution not previously disclosed in the registration statement or any material
change to such information in the registration statement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin-right: 0; margin-left: 0.5in">Provided, however,
that paragraphs (a)(1)(i) and (a)(1)(ii) above do not apply if the information required to be included in a post-effective amendment
by those paragraphs is contained in periodic reports filed with or furnished to the SEC by the registrant pursuant to Section 13
or Section 15(d) of the Securities Exchange Act of 1934 that are incorporated by reference in this registration statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin-right: 0; margin-left: 0.5in">(2) That, for the
purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the
initial bona fide offering thereof.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-right: 0; margin-left: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin-right: 0; margin-left: 0">(b) The undersigned registrant
hereby undertakes that, for purposes of determining any liability under the Securities Act, each filing of the registrant&rsquo;s
annual report pursuant to Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 that is incorporated by reference
in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and
the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin-right: 0; margin-left: 0">(c) Insofar as indemnification
for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the
registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the SEC such
indemnification is against public policy as expressed in the Securities Act of 1933 and is, therefore, unenforceable. In the event
that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid
by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is
asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will,
unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction
the question whether such indemnification by it is against public policy as expressed in the Securities Act of 1933 and will be
governed by the final adjudication of such issue.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SIGNATURES </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">Pursuant to the requirements of the Securities
Act of 1933, the Registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing
on Form S-8 and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized,
in the City of Fairmont, State of West Virginia, on June 21, 2013.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt"><B>MVB FINANCIAL CORP.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 61%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid"><FONT STYLE="font-size: 10pt">/s/ Larry F. Mazza</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2em"><FONT STYLE="font-size: 10pt">Larry F. Mazza</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2em"><FONT STYLE="font-size: 10pt">Chief Executive Officer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: windowtext 1pt solid"><FONT STYLE="font-size: 10pt">/s/ Eric T. Tichenor</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2em"><FONT STYLE="font-size: 10pt">Eric L. Tichenor</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2em"><FONT STYLE="font-size: 10pt">Chief Financial Officer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 2em"><FONT STYLE="font-size: 10pt">&nbsp;(Principal Financial Officer)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>POWER OF ATTORNEY </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Each of the undersigned hereby appoints Larry
F. Mazza as attorney-in-fact and agent for the undersigned, with full power of substitution, for and in the name, place and stead
of the undersigned, to sign and file with the Securities and Exchange Commission under the Securities Act of 1933, as amended,
any and all amendments (including post-effective amendments) to this Registration Statement, with any schedules or exhibits thereto,
and any and all supplements or other documents to be filed with the Securities and Exchange Commission pertaining to the registration
of securities covered hereby, with full power and authority to do and perform any and all acts and things as may be necessary or
desirable in furtherance of such registration.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Pursuant to the requirements of the Securities
Act of 1933, this Registration Statement has been signed by the following persons in the capacities and on the dates indicated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; text-align: center; padding: 0"><FONT STYLE="font-size: 10pt"><B><U>Signatures</U></B></FONT></TD>
    <TD STYLE="width: 33%; text-align: center; padding: 0"><FONT STYLE="font-size: 10pt"><B><U>Title</U></B></FONT></TD>
    <TD STYLE="width: 33%; text-align: center; padding: 0"><FONT STYLE="font-size: 10pt"><B><U>Date</U></B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ James R. Martin</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Chairman of the Board, Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">June 20, 2013</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">James R. Martin</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">_____________</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">David B. Alvarez</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">_____________</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">Stephen R. Brooks</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ James J. Cava, Jr.</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">June 21, 2013</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">James J. Cava, Jr.</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">_____________</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">Joseph P. Cincinnati</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ Berniece D. Collis</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">June 20, 2013</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">Berniece D. Collis</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ H. Edward Dean, III&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">June 20, 2013</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">H. Edward Dean, III</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"></TD></TR></TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; width: 34%">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em; width: 33%">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; width: 33%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">_____________</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">John W. Ebert</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ Larry F. Mazza&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Chief Executive Officer, Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">June 21, 2013</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">Larry F. Mazza</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">______________</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">Dr. Saad Mossallati</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ Dr. Kelly R. Nelson</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">June 20, 2013</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">Dr. Kelly R. Nelson</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ J. Christopher Pallotta</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">June 20, 2013</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">J. Christopher Pallotta</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid">/s/ Nitesh S. Patel</TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">June 21, 2013</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">Nitesh S. Patel</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ Louis Spatafore</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">June 20, 2013</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">Louis Spatafore</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">_____________</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">Roger J. Turner</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 1em">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ Samuel J. Warash&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding: 0 0 0 1em"><FONT STYLE="font-size: 10pt">Director</FONT></TD>
    <TD STYLE="padding: 0; text-align: center"><FONT STYLE="font-size: 10pt">June 21, 2013</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt">Samuel J. Warash</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>EXHIBIT INDEX</B></P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18%; padding: 0pt 0 0"><FONT STYLE="font-size: 10pt"><B><U>Exhibit No.</U></B></FONT></TD>
    <TD STYLE="width: 82%; padding: 0pt 0 0"><FONT STYLE="font-size: 10pt"><B><U>Exhibit Description</U></B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt 0 0">&nbsp;</TD>
    <TD STYLE="padding: 0pt 0 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt 0 0"><FONT STYLE="font-size: 10pt">5.1</FONT></TD>
    <TD STYLE="padding: 0pt 0 0"><FONT STYLE="font-size: 10pt">Opinion of Jackson Kelly PLLC (as to the legality of the securities being registered). </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt 0 0">&nbsp;</TD>
    <TD STYLE="padding: 0pt 0 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt 0 0"><FONT STYLE="font-size: 10pt">10.1</FONT></TD>
    <TD STYLE="padding: 0pt 0 0"><FONT STYLE="font-size: 10pt">MVB Financial Corp. 2013 Stock Incentive Plan (filed as Exhibit A to MVB Financial&rsquo;s Definitive Proxy Statement on Schedule 14A filed with the Securities and Exchange Commission on April&nbsp;12, 2013 and incorporated herein by reference).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt 0 0">&nbsp;</TD>
    <TD STYLE="padding: 0pt 0 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt 0 0"><FONT STYLE="font-size: 10pt">23.1</FONT></TD>
    <TD STYLE="padding: 0pt 0 0"><FONT STYLE="font-size: 10pt">Consent of Jackson Kelly PLLC (included in the opinion filed as Exhibit 5.1 to the Registration Statement).</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt 0 0">&nbsp;</TD>
    <TD STYLE="padding: 0pt 0 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt 0 0"><FONT STYLE="font-size: 10pt">23.2&nbsp;</FONT></TD>
    <TD STYLE="padding: 0pt 0 0"><FONT STYLE="font-size: 10pt">Consent of S.R. Snodgrass, A.C.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt 0 0">&nbsp;</TD>
    <TD STYLE="padding: 0pt 0 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0pt 0 0"><FONT STYLE="font-size: 10pt">24.1</FONT></TD>
    <TD STYLE="padding: 0pt 0 0"><FONT STYLE="font-size: 10pt">Power of Attorney (included on signature page). </FONT></TD></TR>
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{"company-data": {"conformed-name": "MVB FINANCIAL CORP", "cik": "0001277902", "assigned-sic": "6035", "irs-number": "200034461", "state-of-incorporation": "WV", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-189512", "film-number": "13927046"}, "business-address": {"street1": "301 VIRGINIA AVENUE", "city": "FAIRMONT", "state": "WV", "zip": "26554-2777", "phone": "3043634800"}, "mail-address": {"street1": "301 VIRGINIA AVENUE", "city": "FAIRMONT", "state": "WV", "zip": "26554-2777"}}
As filed with the Securities and Exchange
Commission on June ____, 2013.
Registration Statement No. 333-
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
MVB FINANCIAL CORP.
(Exact name of registrant as specified in
its charter)
West Virginia
20-0034461
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer
Identification No.)
301 Virginia Avenue
Fairmont, West Virginia 26554-2777
(304) 363-4800
(Address of Principal Executive Office, including
zip code)
MVB Financial Corp.
2013 Stock Incentive Plan
(Full title of the plan)
Eric L. Tichenor
MVB Financial Corp.
301 Virginia Avenue
Fairmont, West Virginia 26554-2777
(304) 363-4800
(Name, address, including zip code, and telephone
number including area code, of agent for service)
Copy to:
Charles D. Dunbar
Elizabeth Osenton Lord
Jackson Kelly PLLC
500 Lee Street, East, Suite 1600
Charleston, West Virginia 25301
(304) 340-1000
Indicate by check mark whether the registrant is a large accelerated
filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of "large accelerated
filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.
(Check one):
Large accelerated filer
o
Accelerated filer
o
Non-accelerated filer
o
Smaller reporting company
ý
(Do not check if a smaller reporting company)
CALCULATION OF REGISTRATION FEE
Title of each class of
securities to be registered
Amount to be
registered
(1)
Proposed maximum
offering price
per share
(1)
Proposed maximum
aggregate
offering price
(1)
Amount of
registration fee
Common Stock, $1.00 par value
1,100,000 shares
$21.34
$23,474,000
$3,202.00
(1)
Estimated solely for the purpose of calculating the registration fee on the basis of the book value of MVB Financial Corp. common stock on May 31, 2013.
PART I
INFORMATION REQUIRED IN THE SECTION 10(a)
PROSPECTUS
Item 1.  Plan Information.
Not required to be filed with the Securities
and Exchange Commission (the "Commission").
Item 2.  Registrant Information
and Employee Plan Annual Information.
Not required to be filed with the Commission.
PART II
INFORMATION REQUIRED IN THE REGISTRATION
STATEMENT
Item 3.  Incorporation of Documents by Reference.
The following documents filed by MVB Financial
Corp. (the "Company" or "MVB Financial") with the Securities and Exchange Commission (SEC File No. 000-50567)
under the Securities Exchange Act of 1934 (the "Exchange Act") are hereby incorporated by reference in this Prospectus:
(i) the Company's Annual Report on Form 10-K for the period ended December 31, 2012, as filed with the SEC March 29,
2013, as amended by Form 10-K/A, as filed with the SEC April 29, 2013; (ii) the Company's Quarterly Report on Form
10-Q for the period ended March 31, 2013, as filed with the SEC May 15, 2013; (iii) the Company's Current Report on
Form 8-K filed May 22, 2013; (iv) the Company's Quarterly Report on Form 8-K filed May 28, 2013 and (iv) the Company's
definitive Proxy Statement for the 2013 Annual Meeting of Shareholders, as filed with the SEC April 12, 2013. All documents subsequently
filed by the Company pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act prior to the filing of a post-effective
amendment that indicates that all of the shares of Common Stock have been sold or that deregisters all of the shares of Common
Stock then remaining unsold shall be deemed to be incorporated by reference herein and to be a part hereof from the date of filing
of such documents.
Any statement contained herein or in a document
incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for the purposes of
this Prospectus to the extent that a statement contained herein or in any other subsequently filed document, as the case may be,
which also is or is deemed to be incorporated by reference herein, modifies or supersedes such statement. Any such statement so
modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Prospectus.
The Company will provide on request and without
charge to each person to whom this Prospectus is delivered a copy (without exhibits) of any or all documents incorporated by reference
into this Prospectus. Requests for such copies should be directed to MVB Financial Corp., 301 Virginia Avenue, Fairmont, West Virginia
26554-2777, Attn.: Chief Financial Officer (telephone: (304) 363-4800).
Item 4.  Description of Securities.
Authorized Stock.
MVB currently
has a total authorized capital of $18,500,000 consisting of 10,000,000 shares of common stock, with a par value of $1.00 per share,
and 8,500 shares of preferred stock with a par value of $1,000 per share.
General Rights.
The articles
of incorporation and bylaws of the company govern the holding company's shareholders. The company's common shareholders
have the following rights:
1
·
Holders of company common stock are entitled to one vote for each share of common stock and to receive pro rata any assets
distributed to shareholders upon liquidation.
·
Shareholders do not have preemptive rights.
·
Shareholders have the right under West Virginia law to dissent from certain corporate transactions and to elect dissenters'
rights.
·
The board of directors may fill a vacancy of the board occurring during the course of the year, including a vacancy created
by an increase in the number of directors.
Dividends and Dividend
Rights.
MVB Financial's stockholders are entitled to receive dividends when and as declared by its board of directors,
subject to various regulatory restrictions. Dividends of MVB Bank, Inc., MVB Financial's wholly-owned subsidiary (the
"bank"), are subject to the restrictions contained in W. Va. Code § 31A-4-25. That statute provides that
not less than one-tenth part of the net profits of the preceding half-year (in the case of quarterly or semi-annual dividends)
or the preceding two consecutive half-year periods (in the case of annual dividends) must be carried to a bank's surplus
fund until the surplus fund equals the amount of its capital stock. The prior approval of the West Virginia Commissioner of Banking
is required if the total of all dividends declared by a state bank in any calendar year will exceed the bank's net profits
for that year combined with its retained net profits for the preceding two years. The statute defines "net profits"
as the remainder of all earnings from current operations plus actual recoveries on loans and investments and other assets after
deducting all current operating expenses, actual losses and all federal and state taxes.
MVB Financial's
future cash dividends will depend on its consolidated earnings, general economic conditions, financial condition of its subsidiaries
and other factors generally affecting dividend policy. Currently, regulatory requirements prevent the company from paying a dividend.
Voting Rights.
All voting rights with respect to MVB Financial will be vested in the holders of MVB Financial's common stock. In the election
of directors, on notice at least 48 hours before the meeting, the shareholders of MVB Financial and the bank have the right to
vote the number of shares owned by them for as many persons as there are directors to be elected, or to cumulate such shares and
give one candidate as many votes as the number of directors to be elected multiplied by the number of shares they own, or to distribute
them on the same principle among as many candidates as they may decide. For all other purposes, each share is entitled to one vote.
Preemptive Rights.
The holders of common stock of MVB Financial have no preemptive rights to subscribe to any additional securities which MVB Financial
may issue. If MVB Financial should decide to issue any or all of these shares, the effect would be to dilute the percentage ownership
of the shareholders who do not purchase a pro rata portion of the shares issued.
Transferability.
Shares of common stock issued upon exercise of options granted pursuant to the plan may not be resold by participants who are affiliates
of MVB Financial unless the shares are registered under the Securities Act or are sold pursuant to an applicable exemption from
registration, including the exemption from registration set forth in Rule 144 or rule 145 promulgated by the Securities and Exchange
Commission.
Antitakeover Provisions.
MVB Financial's articles of incorporation and bylaws will contain the following antitakeover provisions.
·
Staggered Directors' Terms. The directors of MVB Financial are elected for staggered terms of three years. This provision
has the effect of making it more difficult and time consuming for a shareholder who has acquired or controls a majority of MVB
Financial's outstanding common stock to gain immediate control of the board of directors or otherwise disrupt MVB Financial's
management.
2
·
75% Vote Required to Remove Directors. MVB Financial's articles of incorporation and bylaws provide that holders of at
least 75% of the voting power of shares entitled to vote generally in the election of directors may remove a director. This provision
in MVB Financial's articles and bylaws makes it more difficult for a third party to fill vacancies created by removal with
its own nominees.
·
MVB Financial's Articles of Incorporation Contain Supermajority Provisions. The supermajority provisions in MVB Financial's
articles of incorporation and bylaws provide that the affirmative vote of the holders of at least 75% of the outstanding shares
of the voting stock of MVB Financial is required to amend or repeal articles of incorporation provisions dealing with the classification
of the board of directors, director nominations, appointment to newly created directorships, vacancies of directors, removal of
directors and business combinations by unsolicited and unapproved third parties.
·
MVB Financial's articles also require a two-thirds affirmative vote of the members of the board to amend the bylaws,
to change the principal office, change the number of directors, change the number of directors on the executive committee or make
a substantial change in the duties of the chairman of the board of the directors and the president. The purpose of a supermajority
requirement is to prevent a shareholder with a majority of MVB Financial's voting power from avoiding the requirements of
the foregoing by simply repealing them.
·
Fair Price Provision.
MVB Financial's articles of incorporation contain what is known as a "fair
price provision." The fair price provision requires the approval of at least 75% of MVB Financial's shares entitled
to vote to approve transactions with an interested shareholder except in cases where either (1) price criteria and procedural requirements
are satisfied, or (2) a majority of MVB Financial's board of directors recommends the transaction to the shareholders. If
the minimum price criteria and procedural requirements are met or the requisite approval of MVB Financial's board of directors
are given, the normal requirements of West Virginia law would apply.
An "interested
shareholder" is any person, other than MVB Financial or any of its subsidiaries, who is, or who was within the two-year period
immediately before the announcement of a proposed business combination, the beneficial owner of more than 10% of MVB Financial's
voting power. It also includes any person who is an assignee of, or has succeeded to, any shares of voting stock in a transaction
not involving a public offering which were at any time within the prior two-year period beneficially owned by interested shareholders.
A "disinterested director" is any member of the board of directors of MVB Financial who is not affiliated with an interested
shareholder and who was a director of MVB Financial prior to the time the interested shareholder became an interested shareholder.
It also includes any successor to a disinterested director who is not affiliated with an interested shareholder and who was recommended
by a majority of the disinterested directors then on the board.
Advantages of MVB
Financial's Proposed Antitakeover Provisions.
The provisions discussed above may constitute defensive measures because
they may discourage or deter a third party from attempting to acquire control of MVB Financial. The purpose of these provisions
is to discourage and to insulate the corporation against hostile takeover efforts which MVB Financial's board of directors
might determine are not in the best interests of MVB Financial and its shareholders. We believe that these provisions are reasonable
precautions to ensure that a party seeking control will discuss its proposal with management.
Disadvantages of
MVB Financial's Antitakeover Provisions.
The classification of the board of directors makes it more difficult to
change directors because they are elected for terms of three years rather than one year, and at least two annual meetings instead
of one are required to change a majority of the board of directors. Furthermore, because of the smaller number of directors to
be elected at each annual meeting, holders of a majority of the voting stock may be in a less favorable position to elect directors
through the use of cumulative voting. The supermajority provisions make it more difficult for shareholders to effect changes in
the classification of directors.
3
Collectively, the provisions
may be beneficial to management in a hostile takeover attempt, making it more difficult to effect changes, and at the same time,
adversely affecting shareholders who might wish to participate in a takeover attempt.
Item 5.   Interests of Named Experts and
Counsel
Not applicable.
Item 6.   Indemnification of Directors and
Officers
Reference is made to
the provisions of Article VII of MVB Financial's articles of incorporation below.
ARTICLE VII
Provisions for the regulation
of the internal affairs of the corporation are:
A.
Indemnification
.
Each person who was or is a party or is threatened to be made a party to or is involved (including, without limitation, as a witness
or deponent) in any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative, investigative
or otherwise in nature ("Proceeding"), by reason of the fact that he or she, or a person of whom he or she is the legal
representative, is or was a director or officer of the corporation or is or was serving at the written request of the corporation's
Board of Directors, president or their delegate as a director, officer, employee or agent of another corporation, partnership,
joint venture, trust or other enterprise, including service with respect to employee benefit plans, whether the basis of such Proceeding
is alleged action or omission in an official capacity as a director, officer, trustee, employee or agent or in any other capacity,
shall be indemnified and held harmless by the corporation to the fullest extent authorized by law, including but not limited to
the West Virginia Code, as the same exists or may hereafter be amended (but, in the case of any such amendment, only to the extent
that such amendment permits the corporation to provide broader indemnification rights than said Code permitted the corporation
to provide prior to such amendment), against all expenses, liability and loss (including, without limitation, attorneys'
fees and disbursements, judgments, fines, ERISA or other similar or dissimilar excise taxes or penalties and amounts paid or to
be paid in settlement) incurred or suffered by such person in connection therewith; provided, however, that the corporation shall
indemnify any such person seeking indemnity in connection with a Proceeding (or part thereof) initiated by such person only if
such Proceeding (or part thereof) was authorized by the Board of Directors of the corporation; provided, further, that the corporation
shall not indemnify any person for civil money penalties or other matters, to the extent such indemnification is specifically not
permissible pursuant to federal or state statute or regulation, or order or rule of a regulatory agency of the federal or state
government with authority to enter, make or promulgate such order or rule. Such right shall include the right to be paid by the
corporation expenses, including, without limitation, attorneys' fees and disbursements, incurred in defending or participating
in any such Proceeding in advance of its final disposition; provided, however, that the payment of such expenses in advance of
the final disposition of such Proceeding shall be made only upon delivery to the corporation of an undertaking, by or on behalf
of such director or officer, in which such director or officer agrees to repay all amounts so advanced if it should be ultimately
determined that such person is not entitled to be indemnified under this Article or otherwise. The termination of any Proceeding
by judgment, order, settlement, conviction, or upon a plea of nolo contendere or its equivalent, shall not, of itself, create a
presumption that the person did not act in good faith and in a manner which he reasonably believed to be in or not opposed to the
best interest of the corporation, or that such person did have reasonable cause to believe that his conduct was unlawful.
B.
Right of Claimant
to Bring Suit
. If a claim under this Article is not paid in full by the corporation within thirty days after a written claim
therefor has been received by the corporation, the claimant may at any time thereafter bring suit against the corporation to recover
the unpaid amount of the claim and, if successful, in whole or in part, the claimant shall be entitled to be paid also the expense
of prosecuting such claim. It shall be a defense to any such action (other than an action brought to enforce a claim for expenses
incurred in defending or participating in any Proceeding in advance of its final disposition where the required undertaking has
been tendered to the corporation) that the claimant has not met the standards of conduct which make it permissible under the applicable
law for the corporation to indemnify the claimant for the amount claimed, but the burden of proving such defense shall be on the
corporation.
4
Neither the failure of
the corporation (including its Board of Directors, independent legal counsel, or its shareholders) to have made a determination
prior to the commencement of such action that indemnification or reimbursement of the claimant is permitted in the circumstances
because he or she has met the applicable standard of conduct, nor an actual determination by the corporation (including its Board
of Directors, independent legal counsel, or its shareholders) that the claimant has not met such applicable standard of conduct,
shall be a defense to the action or create a presumption that the claimant has not met the applicable standard of conduct.
C.
Contractual Rights:
Applicability
. The right to be indemnified or to the reimbursement or advancement of expenses pursuant hereto (i) is a contract
right based upon good and valuable consideration, pursuant to which the person entitled thereto may bring suit as if the provisions
hereof were set forth in a separate written contract between the corporation and the director or officer, (ii) is intended to be
retroactive and shall be available with respect to events occurring prior to the adoption hereof, and (iii) shall continue to exist
after the rescission or restrictive modification hereof with respect to events occurring prior thereto.
D.
Requested Service
.
Any director or officer of the corporation serving, in any capacity, (i) another corporation of which five percent (5%) or more
of the shares entitled to vote in the election of its directors is held by the corporation, or (ii) any employee benefit plan of
the corporation or of any corporation referred to herein shall be deemed to be doing so at the request of the corporation.
E.
Non-Exclusivity
of Rights
. The rights conferred on any person hereunder shall not be exclusive of and shall be in addition to any other right
which such person may have or may hereafter acquire under any statute, provision of the Certificate of Incorporation, Bylaws, agreement,
vote of shareholders or disinterested directors or otherwise.
F.
Insurance
.
The corporation may purchase and maintain insurance, at its expense, to protect itself and any director, officer, employee or agent
of the corporation or another corporation, partnership, joint venture, trust or other enterprise against such expense, liability
or loss, whether or not the corporation would have the power to indemnify such person against such expense, liability or loss under
West Virginia law.
G.
Limitation of Liability
.
A director of the corporation shall not be personally liable to the corporation or its stockholders for monetary damages for breach
of fiduciary duty as a director except to the extent that such exception from liability or limitation thereof is not permitted
by the West Virginia Business Corporation Act or the laws of the United States or the State of West Virginia, as the same may exist
or are hereafter amended. Any repeal or modification of the foregoing provision by the stockholders of the corporation shall not
adversely affect any right of protection of a director of the corporation existing at the time of such repeal or modification.
MVB Financial is a West
Virginia corporation subject to the applicable indemnification provisions of the General Corporation Law of West Virginia.
The foregoing indemnity
provisions have the effect of reducing directors' and officers' exposure to personal liability for actions taken in
connection with their respective positions.
Insofar as indemnification
for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of MVB
Financial pursuant to the foregoing provisions, or otherwise, MVB Financial has been advised that in the opinion of the Securities
and Exchange Commission such indemnification is against public policy as expressed in the Securities Act of 1933 and is, therefore,
unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by MVB Financial
of expenses incurred or paid by a director, officer or controlling person of MVB Financial in the successful defense of any action,
suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered,
MVB Financial will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court
of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities
Act of 1933 and will be governed by the final adjudication of such issue.
5
Item 7.   Exemption from Registration Claimed
Not applicable.
Item 8.   Exhibits
5.1
Opinion of Jackson Kelly PLLC (as to the legality of the securities being registered).
10.1
MVB Financial Corp. 2013 Stock Incentive Plan (filed as Exhibit A to MVB Financial's Definitive Proxy Statement on Schedule
14A filed with the Securities and Exchange Commission on April 12, 2013 and incorporated herein by reference).
23.1
Consent of Jackson Kelly PLLC (included in the opinion filed as Exhibit 5.1 to the Registration Statement).
23.2
Consent of S.R. Snodgrass, A.C.
24.1
Power of Attorney (included on signature page).
Item 9. Undertakings
(a)
The undersigned registrant hereby undertakes:
(1)           To file, during
any period in which offers or sales are being made, a post-effective amendment to the registration statement:
(i) To include any prospectus
required by section 10(a)(3) of the Securities Act of 1933;
(ii) To reflect in the
prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective
amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the
registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar
value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated
maximum offering range may be reflected in the form of prospectus filed with the SEC pursuant to Rule 424(b) if, in the aggregate,
the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the "Calculation
of Registration Fee" table in the effective registration statement;
(iii) To include any
material information with respect to the plan of distribution not previously disclosed in the registration statement or any material
change to such information in the registration statement;
Provided, however,
that paragraphs (a)(1)(i) and (a)(1)(ii) above do not apply if the information required to be included in a post-effective amendment
by those paragraphs is contained in periodic reports filed with or furnished to the SEC by the registrant pursuant to Section 13
or Section 15(d) of the Securities Exchange Act of 1934 that are incorporated by reference in this registration statement.
(2) That, for the
purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the
initial bona fide offering thereof.
6
(b) The undersigned registrant
hereby undertakes that, for purposes of determining any liability under the Securities Act, each filing of the registrant's
annual report pursuant to Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 that is incorporated by reference
in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and
the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.
(c) Insofar as indemnification
for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the
registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the SEC such
indemnification is against public policy as expressed in the Securities Act of 1933 and is, therefore, unenforceable. In the event
that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid
by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is
asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will,
unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction
the question whether such indemnification by it is against public policy as expressed in the Securities Act of 1933 and will be
governed by the final adjudication of such issue.
7
SIGNATURES
Pursuant to the requirements of the Securities
Act of 1933, the Registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing
on Form S-8 and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized,
in the City of Fairmont, State of West Virginia, on June 21, 2013.
MVB FINANCIAL CORP.
By:
/s/ Larry F. Mazza
Larry F. Mazza
Chief Executive Officer
By:
/s/ Eric T. Tichenor
Eric L. Tichenor
Chief Financial Officer
(Principal Financial Officer)
POWER OF ATTORNEY
Each of the undersigned hereby appoints Larry
F. Mazza as attorney-in-fact and agent for the undersigned, with full power of substitution, for and in the name, place and stead
of the undersigned, to sign and file with the Securities and Exchange Commission under the Securities Act of 1933, as amended,
any and all amendments (including post-effective amendments) to this Registration Statement, with any schedules or exhibits thereto,
and any and all supplements or other documents to be filed with the Securities and Exchange Commission pertaining to the registration
of securities covered hereby, with full power and authority to do and perform any and all acts and things as may be necessary or
desirable in furtherance of such registration.
Pursuant to the requirements of the Securities
Act of 1933, this Registration Statement has been signed by the following persons in the capacities and on the dates indicated.
Signatures
Title
Date
/s/ James R. Martin
Chairman of the Board, Director
June 20, 2013
James R. Martin
Director
_____________
David B. Alvarez
Director
_____________
Stephen R. Brooks
/s/ James J. Cava, Jr.
Director
June 21, 2013
James J. Cava, Jr.
Director
_____________
Joseph P. Cincinnati
/s/ Berniece D. Collis
Director
June 20, 2013
Berniece D. Collis
/s/ H. Edward Dean, III
Director
June 20, 2013
H. Edward Dean, III
8
Director
_____________
John W. Ebert
/s/ Larry F. Mazza
Chief Executive Officer, Director
June 21, 2013
Larry F. Mazza
Director
______________
Dr. Saad Mossallati
/s/ Dr. Kelly R. Nelson
Director
June 20, 2013
Dr. Kelly R. Nelson
/s/ J. Christopher Pallotta
Director
June 20, 2013
J. Christopher Pallotta
/s/ Nitesh S. Patel
Director
June 21, 2013
Nitesh S. Patel
/s/ Louis Spatafore
Director
June 20, 2013
Louis Spatafore
Director
_____________
Roger J. Turner
/s/ Samuel J. Warash
Director
June 21, 2013
Samuel J. Warash
9
EXHIBIT INDEX
Exhibit No.
Exhibit Description
5.1
Opinion of Jackson Kelly PLLC (as to the legality of the securities being registered).
10.1
MVB Financial Corp. 2013 Stock Incentive Plan (filed as Exhibit A to MVB Financial's Definitive Proxy Statement on Schedule 14A filed with the Securities and Exchange Commission on April 12, 2013 and incorporated herein by reference).
23.1
Consent of Jackson Kelly PLLC (included in the opinion filed as Exhibit 5.1 to the Registration Statement).
23.2
Consent of S.R. Snodgrass, A.C.
24.1
Power of Attorney (included on signature page).
10