As filed with the Securities and Exchange Commission on March 11, 1999.
                                            Registration No. 333-_______________

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                    FORM S-8
                             REGISTRATION STATEMENT
                                      UNDER
                           THE SECURITIES ACT OF 1933


                           Sistersville Bancorp, Inc.
             -----------------------------------------------------
             (Exact name of Registrant as specified in its charter)

          Delaware                                             31-1516424
-------------------------------                        -------------------------
(State or other jurisdiction of                            (I.R.S. Employer
incorporation or organization)                            Identification No.)

                                726 Wells Street
                        Sistersville, West Virginia 26175
                    ----------------------------------------
                    (Address of principal executive offices)

                Sistersville Bancorp, Inc. 1998 Stock Option Plan
                -------------------------------------------------
                            (Full Title of the Plan)

                               John J. Spidi, Esq.
                               Richard Fisch, Esq.
                      Malizia, Spidi, Sloane & Fisch, P.C.
                               1301 K Street, N.W.
                                 Suite 700 East
                             Washington, D.C. 20005
                                 (202) 434-4660
            ---------------------------------------------------------
            (Name, address and telephone number of agent for service)

<TABLE>
<CAPTION>

                         CALCULATION OF REGISTRATION FEE
==========================================================================================================================
Title of                                                Proposed               Proposed Maximum              Amount of
Securities to                 Amount to be          Maximum Offering          Aggregate Offering            Registration
be Registered                Registered(1)           Price Per Share              Price (2)                   Fee (2)
-------------                -------------           ---------------              ----------                 --------
<S>                        <C>                           <C>                    <C>                         <C>    
Common Stock
$0.10 par value                                   
per share                    66,142 shares                 (2)                    $1,020,936                  $283.82
==========================================================================================================================
</TABLE>

(1)      The maximum number of shares of common stock issuable upon awards to be
         granted  under the  Sistersville  Bancorp,  Inc. 1998 Stock Option Plan
         (the "Plan") consists of 66,142 shares which are being registered under
         this  Registration  Statement and for which a registration fee is being
         paid. Additionally,  an indeterminate number of additional shares which
         may be  offered  and issued to prevent  dilution  resulting  from stock
         splits, dividends or similar transactions.

(2)      Under  Rule  457(h)  of the  1933  Act,  the  registration  fee  may be
         calculated, inter alia, based upon the price at which the stock options
         may be exercised.  An aggregate of 66,142  shares are being  registered
         hereby,  of which 58,000 shares are under option at a weighted  average
         exercise price of $15.8125 per share ($917,125 in the  aggregate).  The
         remainder of such shares,  which are not  presently  subject to options
         (8,142 shares),  are being registered based upon the average of the bid
         and ask prices of the Common Stock of the Registrant as reported on the
         OTC  Bulletin  Board on March 4, 1999 of $12.75 per share  ($103,811 in
         the aggregate) for a total offering of $1,020,936.

         This Registration  Statement shall become effective  automatically upon
the date of filing,  in accordance  with Section 8(a) of the  Securities  Act of
1933 ("1933 Act") and Rule 462 of the 1933 Act.


<PAGE>


                                     PART I
              INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS

Item 1.  Plan Information. *
------

Item 2.  Registrant Information and Employee Plan Annual Information. *
------

         *This  Registration  Statement  relates to the  registration  of 66,142
shares of  Sistersville  Bancorp,  Inc. (the "Company" or  "Registrant")  common
stock,  $.10 par value per share (the  "Common  Stock")  issuable to  employees,
officers and directors of the Registrant or its subsidiaries as compensation for
services in accordance  with the  Sistersville  Bancorp,  Inc. 1998 Stock Option
Plan (the "Plan").  Documents  containing the information  required by Part I of
this Registration Statement will be sent or given to participants in the Plan as
specified by Rule  428(b)(1).  Such  documents are not filed with the Securities
and Exchange  Commission (the "Commission")  either as part of this Registration
Statement or as prospectuses or prospectus  supplements pursuant to Rule 424, in
reliance on Rule 428.

                                     PART II
               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

Item 3.  Incorporation of Certain Documents by Reference.
------

         The Company became  subject to the  informational  requirements  of the
Securities  Exchange  Act  of  1934  (the  "1934  Act")  on  May  7,  1997  and,
accordingly,  files periodic reports and other  information with the Commission.
Reports,  proxy  statements and other  information  concerning the Company filed
with the  Commission  may be inspected and copies may be obtained (at prescribed
rates) at the  Commission's  Public  Reference  Section,  Room  1024,  450 Fifth
Street, N.W., Washington, D.C. 20549.

         The following  documents filed by the Company are  incorporated in this
Registration Statement by reference:

         (a) The Company's  Registration  Statement on Form S-1 (No.  333-23147)
filed with the Commission on March 11, 1997 and amendments thereto;

         (b) The  Company's  Annual  Report on Form  10-KSB for the fiscal  year
ended March 31, 1998, as filed with the Commission on June 11, 1998;

         (c) The Company's Quarterly Report on Form 10-QSB for the periods ended
June 30,  1998,  September  30, 1998,  and December 31, 1998,  as filed with the
Commission;

         (d) The Company's Definitive Proxy Statement related to the 1998 Annual
Meeting of stockholders as filed with the Commission on June 2, 1998; and

         (e) The  description  of the  Company's  securities as contained in the
Company's Registration Statement on Form 8-A as filed with the Commission on May
7, 1997.

         All documents  subsequently  filed by the Company  pursuant to Sections
13(a),  13(c),  14,  and  15(d)  of the  1934  Act,  prior  to the  filing  of a
post-effective  amendment which indicates that all securities  offered have been
sold or which  deregisters all securities then remaining  unsold shall be deemed
to be incorporated by reference in this Registration  Statement and to be a part
hereof from the date of filing of such documents.


<PAGE>


Item 4.  Description of Securities.
------

         Not Applicable

Item 5.  Interests of Named Experts and Counsel.
------

         Not Applicable

Item 6.  Indemnification of Directors and Officers.
------

         Section  145 of the  Delaware  General  Corporation  Law  authorizes  a
corporation such as the Registrant to indemnify officers, directors,  employees,
and agents under certain circumstances.  Section 145 requires indemnification of
directors,  officers,  employees,  and  agents who have been  successful  on the
merits or otherwise in defense of certain actions,  suits,  proceedings  claims,
issues,  and  matters.   Article  XVIII  of  the  Registrant's   Certificate  of
Incorporation provides for indemnification.

         Section  102(b)(7) of the Delaware  General  Corporation Law allows for
the  limitation  of liability of directors.  Article  XVIII of the  Registrant's
Certificate  of  Incorporation  provides  for the  limitation  of  liability  of
directors.

         The Registrant believes that these provisions assist the Registrant in,
among other  things,  attracting  and retaining  qualified  persons to serve the
Registrant and its subsidiary.  However, a result of such provisions could be to
increase the expenses of the  Registrant and  effectively  reduce the ability of
stockholders  to sue on behalf of the Registrant  because certain suits could be
barred or amounts that might  otherwise be obtained on behalf of the  Registrant
could be required to be repaid by the Registrant to an indemnified party.

         The Company may purchase and maintain insurance on behalf of any person
who is or was a director,  officer,  employee,  or agent of the Company or is or
was serving at the request of the Company as a director,  officer,  employee, or
agent of  another  corporation,  partnership,  joint  venture,  trust,  or other
enterprise against any liability asserted against the person and incurred by the
person in any such capacity or arising out of his status as such, whether or not
the Company would have the power to indemnify the person  against such liability
under the provisions of the Certificate of Incorporation.

         Insofar as indemnification for liabilities arising under the Securities
Act of 1933 ("1933  Act") may be permitted to  directors,  officers,  or persons
controlling the Company  pursuant to the foregoing  provisions,  the Company has
been informed that in the opinion of the Securities and Exchange Commission such
indemnification  is against  public  policy as  expressed in the 1933 Act and is
therefore unenforceable.

Item 7.  Exemption from Registration Claimed.
------

         Not Applicable

Item 8.  Exhibits.
------

         For a  list  of  all  exhibits  filed  or  included  as  part  of  this
Registration Statement,  see "Index to Exhibits" at the end of this Registration
Statement.

<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 this  Registration
                  Statement;

                  (i) To include any prospectus  required by Section 10(a)(3) of
                  the 1933 Act;

                  (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;

                  (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) do no apply if the
Registration Statement is on Form S-3, Form S-8, and the information required to
be included in a  post-effective  amendment by those  paragraphs is contained in
periodic reports filed by the Registrant  pursuant to Section 13 or 15(d) of the
1934 Act that are incorporated by reference in the Registration Statement.

                  (2) That, for the purpose of determining  any liability  under
the 1933 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.

                  (3) To remove from  registration by means of a  post-effective
amendment  any of the  securities  being  registered  which remain unsold at the
termination of the offering.

                  (4) If the Registrant is a foreign private  issuer,  to file a
post-effective  amendment to the Registration Statement to include any financial
statements  required by Rule 3-19 of Regulation  S-X at the start of any delayed
offering or throughout a continuous offering.

         (b) The undersigned  Registrant hereby undertakes that, for purposes of
determining  any  liability  under the 1933 Act each filing of the  Registrant's
annual  report  pursuant to section 13(a) or section 15(d) of the 1934 Act (and,
where  applicable,  each  filing of an employee  benefit  plan's  annual  report
pursuant to section 15(d) of the 1934 Act) 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) The undersigned Registrant hereby undertakes to deliver or cause to
be delivered with the prospectus,  to each person to whom the prospectus is sent
or given, the latest annual report,  to security holders that is incorporated by
reference  in  the  prospectus  and  furnished   pursuant  to  and  meeting  the
requirements  of Rule 14a-3 or Rule 14c-3 under the 1934 Act; and, where interim
financial information required to be presented by Article 3 of Regulation S-X is
not set forth in the  prospectus,  to deliver,  or cause to be delivered to each
person to whom the prospectus is sent or given, the latest quarterly report that
is  specifically  incorporated  by reference in the  prospectus  to provide such
interim financial information.

<PAGE>

         (d) Insofar as indemnification  for liabilities  arising under the 1933
Act 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 Securities  and Exchange  Commission
such  indemnification  is against public policy as expressed in the 1933 Act 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  expressed  in the 1933 Act and will be  governed by the
final adjudication of such issue.

<PAGE>

                                   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  Sistersville  in the State of West Virginia,  as of
March 11, 1999.

                                   SISTERSVILLE BANCORP, INC.


                                   By: /s/ Stanley M. Kiser
                                      ------------------------------------------
                                      Stanley M. Kiser
                                      President and Chief Executive Officer
                                      (Duly Authorized Representative)


                                POWER OF ATTORNEY

         We, the  undersigned  directors and officers of  Sistersville  Bancorp,
Inc., do hereby  severally  constitute and appoint  Stanley M. Kiser as our true
and lawful attorney and agent, to do any and all things and acts in our names in
the capacities indicated below and to execute any and all instruments for us and
in our names in the capacities  indicated  below which said Stanley M. Kiser may
deem necessary or advisable to enable Sistersville Bancorp, Inc., to comply with
the  Securities  Act of  1933,  as  amended,  and  any  rules,  regulations  and
requirements of the Securities and Exchange  Commission,  in connection with the
Registration  Statement on Form S-8  relating to the  offering of the  Company's
Common Stock, including specifically, but not limited to, power and authority to
sign,  for  any of us in  our  names  in the  capacities  indicated  below,  the
Registration  Statement  and any and all  amendments  (including  post-effective
amendments)  thereto;  and we hereby ratify and confirm all that said Stanley M.
Kiser shall do or cause to be done by virtue hereof.

         Pursuant  to the  requirements  of the  Securities  Act of  1933,  this
Registration  Statement  has been signed below by the  following  persons in the
capacities indicated as of the date indicated.


/s/ Stanley M. Kiser                         /s/ Lester C. Doak
----------------------------------           -----------------------------------
Stanley M. Kiser                             Lester C. Doak
President, Chief Executive Officer           Chairman of the Board
and Director
(Principal Executive Officer)

Date:  March 11, 1999                        Date:  March 11, 1999

/s/ Ellen E. Thistle                         /s/ David W. Miller          
----------------------------------           -----------------------------------
Ellen E. Thistle                             David W. Miller
Director                                     Director

Date:  March 11, 1999                        Date:  March 11, 1999

/s/ Gary L. Ward                             /s/ Charles P. LaRue
----------------------------------           -----------------------------------
Gary L. Ward                                 Charles P. LaRue
Director                                     Director

Date:  March 11, 1999                        Date:  March 11, 1999


<PAGE>

                                INDEX TO EXHIBITS

                                               
Exhibit                            Description    
-------                            -----------      

  4.1          Sistersville Bancorp, Inc.
               1998 Stock Option Plan

  4.2          Form of Stock Option Agreement to be entered into
               with respect to Incentive Stock Options

  4.3          Form of Stock Option Agreement to be entered into
               with respect to Non-Incentive Stock Options

  4.4          Form of Stock Award Tax Notice

  5.1          Opinion of Malizia, Spidi, Sloane & Fisch, P.C. as to
               the validity of the Common Stock being registered

 23.1          Consent of Malizia, Spidi, Sloane & Fisch, P.C.
               (appears in their opinion filed as Exhibit 5.1)

 23.2          Consent of S.R. Snodgrass, A.C.

 24            Reference is made to the Signatures section of this
               Registration Statement for the Power of Attorney
               contained therein
[{"type": "S-8", "sequence": "1", "description": "FORM S-8", "secsgml_size_bytes": 19916}]
{"company-data": {"conformed-name": "SISTERSVILLE BANCORP INC", "cik": "0001035372", "assigned-sic": "6035", "irs-number": "311516424", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-74287", "film-number": "99563575"}, "business-address": {"street1": "726 WELLS STREET", "city": "SISTERVILLE", "state": "WV", "zip": "26175", "phone": "3046523671"}, "mail-address": {"street1": "726 WELLS STREET", "city": "SISTERVILLE", "state": "WV", "zip": "26175"}}
As filed with the Securities and Exchange Commission on March 11, 1999.
                                            Registration No. 333-_______________

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                    FORM S-8
                             REGISTRATION STATEMENT
                                      UNDER
                           THE SECURITIES ACT OF 1933

                           Sistersville Bancorp, Inc.
             -----------------------------------------------------
             (Exact name of Registrant as specified in its charter)

          Delaware                                             31-1516424
-------------------------------                        -------------------------
(State or other jurisdiction of                            (I.R.S. Employer
incorporation or organization)                            Identification No.)

                                726 Wells Street
                        Sistersville, West Virginia 26175
                    ----------------------------------------
                    (Address of principal executive offices)

                Sistersville Bancorp, Inc. 1998 Stock Option Plan
                -------------------------------------------------
                            (Full Title of the Plan)

                               John J. Spidi, Esq.
                               Richard Fisch, Esq.
                      Malizia, Spidi, Sloane & Fisch, P.C.
                               1301 K Street, N.W.
                                 Suite 700 East
                             Washington, D.C. 20005
                                 (202) 434-4660
            ---------------------------------------------------------
            (Name, address and telephone number of agent for service)
CALCULATION OF REGISTRATION FEE
==========================================================================================================================
Title of                                                Proposed               Proposed Maximum              Amount of
Securities to                 Amount to be          Maximum Offering          Aggregate Offering            Registration
be Registered                Registered(1)           Price Per Share              Price (2)                   Fee (2)
-------------                -------------           ---------------              ----------                 --------
Common Stock
$0.10 par value                                   
per share                    66,142 shares                 (2)                    $1,020,936                  $283.82
==========================================================================================================================
(1)      The maximum number of shares of common stock issuable upon awards to be
         granted  under the  Sistersville  Bancorp,  Inc. 1998 Stock Option Plan
         (the "Plan") consists of 66,142 shares which are being registered under
         this  Registration  Statement and for which a registration fee is being
         paid. Additionally,  an indeterminate number of additional shares which
         may be  offered  and issued to prevent  dilution  resulting  from stock
         splits, dividends or similar transactions.

(2)      Under  Rule  457(h)  of the  1933  Act,  the  registration  fee  may be
         calculated, inter alia, based upon the price at which the stock options
         may be exercised.  An aggregate of 66,142  shares are being  registered
         hereby,  of which 58,000 shares are under option at a weighted  average
         exercise price of $15.8125 per share ($917,125 in the  aggregate).  The
         remainder of such shares,  which are not  presently  subject to options
         (8,142 shares),  are being registered based upon the average of the bid
         and ask prices of the Common Stock of the Registrant as reported on the
         OTC  Bulletin  Board on March 4, 1999 of $12.75 per share  ($103,811 in
         the aggregate) for a total offering of $1,020,936.

         This Registration  Statement shall become effective  automatically upon
the date of filing,  in accordance  with Section 8(a) of the  Securities  Act of
1933 ("1933 Act") and Rule 462 of the 1933 Act.
PART I
              INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS

Item 1.  Plan Information. *
------

Item 2.  Registrant Information and Employee Plan Annual Information. *
------

         *This  Registration  Statement  relates to the  registration  of 66,142
shares of  Sistersville  Bancorp,  Inc. (the "Company" or  "Registrant")  common
stock,  $.10 par value per share (the  "Common  Stock")  issuable to  employees,
officers and directors of the Registrant or its subsidiaries as compensation for
services in accordance  with the  Sistersville  Bancorp,  Inc. 1998 Stock Option
Plan (the "Plan").  Documents  containing the information  required by Part I of
this Registration Statement will be sent or given to participants in the Plan as
specified by Rule  428(b)(1).  Such  documents are not filed with the Securities
and Exchange  Commission (the "Commission")  either as part of this Registration
Statement or as prospectuses or prospectus  supplements pursuant to Rule 424, in
reliance on Rule 428.

                                     PART II
               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

Item 3.  Incorporation of Certain Documents by Reference.
------

         The Company became  subject to the  informational  requirements  of the
Securities  Exchange  Act  of  1934  (the  "1934  Act")  on  May  7,  1997  and,
accordingly,  files periodic reports and other  information with the Commission.
Reports,  proxy  statements and other  information  concerning the Company filed
with the  Commission  may be inspected and copies may be obtained (at prescribed
rates) at the  Commission's  Public  Reference  Section,  Room  1024,  450 Fifth
Street, N.W., Washington, D.C. 20549.

         The following  documents filed by the Company are  incorporated in this
Registration Statement by reference:

         (a) The Company's  Registration  Statement on Form S-1 (No.  333-23147)
filed with the Commission on March 11, 1997 and amendments thereto;

         (b) The  Company's  Annual  Report on Form  10-KSB for the fiscal  year
ended March 31, 1998, as filed with the Commission on June 11, 1998;

         (c) The Company's Quarterly Report on Form 10-QSB for the periods ended
June 30,  1998,  September  30, 1998,  and December 31, 1998,  as filed with the
Commission;

         (d) The Company's Definitive Proxy Statement related to the 1998 Annual
Meeting of stockholders as filed with the Commission on June 2, 1998; and

         (e) The  description  of the  Company's  securities as contained in the
Company's Registration Statement on Form 8-A as filed with the Commission on May
7, 1997.

         All documents  subsequently  filed by the Company  pursuant to Sections
13(a),  13(c),  14,  and  15(d)  of the  1934  Act,  prior  to the  filing  of a
post-effective  amendment which indicates that all securities  offered have been
sold or which  deregisters all securities then remaining  unsold shall be deemed
to be incorporated by reference in this Registration  Statement and to be a part
hereof from the date of filing of such documents.
Item 4.  Description of Securities.
------

         Not Applicable

Item 5.  Interests of Named Experts and Counsel.
------

         Not Applicable

Item 6.  Indemnification of Directors and Officers.
------

         Section  145 of the  Delaware  General  Corporation  Law  authorizes  a
corporation such as the Registrant to indemnify officers, directors,  employees,
and agents under certain circumstances.  Section 145 requires indemnification of
directors,  officers,  employees,  and  agents who have been  successful  on the
merits or otherwise in defense of certain actions,  suits,  proceedings  claims,
issues,  and  matters.   Article  XVIII  of  the  Registrant's   Certificate  of
Incorporation provides for indemnification.

         Section  102(b)(7) of the Delaware  General  Corporation Law allows for
the  limitation  of liability of directors.  Article  XVIII of the  Registrant's
Certificate  of  Incorporation  provides  for the  limitation  of  liability  of
directors.

         The Registrant believes that these provisions assist the Registrant in,
among other  things,  attracting  and retaining  qualified  persons to serve the
Registrant and its subsidiary.  However, a result of such provisions could be to
increase the expenses of the  Registrant and  effectively  reduce the ability of
stockholders  to sue on behalf of the Registrant  because certain suits could be
barred or amounts that might  otherwise be obtained on behalf of the  Registrant
could be required to be repaid by the Registrant to an indemnified party.

         The Company may purchase and maintain insurance on behalf of any person
who is or was a director,  officer,  employee,  or agent of the Company or is or
was serving at the request of the Company as a director,  officer,  employee, or
agent of  another  corporation,  partnership,  joint  venture,  trust,  or other
enterprise against any liability asserted against the person and incurred by the
person in any such capacity or arising out of his status as such, whether or not
the Company would have the power to indemnify the person  against such liability
under the provisions of the Certificate of Incorporation.

         Insofar as indemnification for liabilities arising under the Securities
Act of 1933 ("1933  Act") may be permitted to  directors,  officers,  or persons
controlling the Company  pursuant to the foregoing  provisions,  the Company has
been informed that in the opinion of the Securities and Exchange Commission such
indemnification  is against  public  policy as  expressed in the 1933 Act and is
therefore unenforceable.

Item 7.  Exemption from Registration Claimed.
------

         Not Applicable

Item 8.  Exhibits.
------

         For a  list  of  all  exhibits  filed  or  included  as  part  of  this
Registration Statement,  see "Index to Exhibits" at the end of this Registration
Statement.
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 this  Registration
                  Statement;

                  (i) To include any prospectus  required by Section 10(a)(3) of
                  the 1933 Act;

                  (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;

                  (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) do no apply if the
Registration Statement is on Form S-3, Form S-8, and the information required to
be included in a  post-effective  amendment by those  paragraphs is contained in
periodic reports filed by the Registrant  pursuant to Section 13 or 15(d) of the
1934 Act that are incorporated by reference in the Registration Statement.

                  (2) That, for the purpose of determining  any liability  under
the 1933 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.

                  (3) To remove from  registration by means of a  post-effective
amendment  any of the  securities  being  registered  which remain unsold at the
termination of the offering.

                  (4) If the Registrant is a foreign private  issuer,  to file a
post-effective  amendment to the Registration Statement to include any financial
statements  required by Rule 3-19 of Regulation  S-X at the start of any delayed
offering or throughout a continuous offering.

         (b) The undersigned  Registrant hereby undertakes that, for purposes of
determining  any  liability  under the 1933 Act each filing of the  Registrant's
annual  report  pursuant to section 13(a) or section 15(d) of the 1934 Act (and,
where  applicable,  each  filing of an employee  benefit  plan's  annual  report
pursuant to section 15(d) of the 1934 Act) 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) The undersigned Registrant hereby undertakes to deliver or cause to
be delivered with the prospectus,  to each person to whom the prospectus is sent
or given, the latest annual report,  to security holders that is incorporated by
reference  in  the  prospectus  and  furnished   pursuant  to  and  meeting  the
requirements  of Rule 14a-3 or Rule 14c-3 under the 1934 Act; and, where interim
financial information required to be presented by Article 3 of Regulation S-X is
not set forth in the  prospectus,  to deliver,  or cause to be delivered to each
person to whom the prospectus is sent or given, the latest quarterly report that
is  specifically  incorporated  by reference in the  prospectus  to provide such
interim financial information.
(d) Insofar as indemnification  for liabilities  arising under the 1933
Act 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 Securities  and Exchange  Commission
such  indemnification  is against public policy as expressed in the 1933 Act 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  expressed  in the 1933 Act and will be  governed by the
final adjudication of such issue.
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  Sistersville  in the State of West Virginia,  as of
March 11, 1999.

                                   SISTERSVILLE BANCORP, INC.

                                   By: /s/ Stanley M. Kiser
                                      ------------------------------------------
                                      Stanley M. Kiser
                                      President and Chief Executive Officer
                                      (Duly Authorized Representative)

                                POWER OF ATTORNEY

         We, the  undersigned  directors and officers of  Sistersville  Bancorp,
Inc., do hereby  severally  constitute and appoint  Stanley M. Kiser as our true
and lawful attorney and agent, to do any and all things and acts in our names in
the capacities indicated below and to execute any and all instruments for us and
in our names in the capacities  indicated  below which said Stanley M. Kiser may
deem necessary or advisable to enable Sistersville Bancorp, Inc., to comply with
the  Securities  Act of  1933,  as  amended,  and  any  rules,  regulations  and
requirements of the Securities and Exchange  Commission,  in connection with the
Registration  Statement on Form S-8  relating to the  offering of the  Company's
Common Stock, including specifically, but not limited to, power and authority to
sign,  for  any of us in  our  names  in the  capacities  indicated  below,  the
Registration  Statement  and any and all  amendments  (including  post-effective
amendments)  thereto;  and we hereby ratify and confirm all that said Stanley M.
Kiser shall do or cause to be done by virtue hereof.

         Pursuant  to the  requirements  of the  Securities  Act of  1933,  this
Registration  Statement  has been signed below by the  following  persons in the
capacities indicated as of the date indicated.

/s/ Stanley M. Kiser                         /s/ Lester C. Doak
----------------------------------           -----------------------------------
Stanley M. Kiser                             Lester C. Doak
President, Chief Executive Officer           Chairman of the Board
and Director
(Principal Executive Officer)

Date:  March 11, 1999                        Date:  March 11, 1999

/s/ Ellen E. Thistle                         /s/ David W. Miller          
----------------------------------           -----------------------------------
Ellen E. Thistle                             David W. Miller
Director                                     Director

Date:  March 11, 1999                        Date:  March 11, 1999

/s/ Gary L. Ward                             /s/ Charles P. LaRue
----------------------------------           -----------------------------------
Gary L. Ward                                 Charles P. LaRue
Director                                     Director

Date:  March 11, 1999                        Date:  March 11, 1999
INDEX TO EXHIBITS

                                               
Exhibit                            Description    
-------                            -----------      

  4.1          Sistersville Bancorp, Inc.
               1998 Stock Option Plan

  4.2          Form of Stock Option Agreement to be entered into
               with respect to Incentive Stock Options

  4.3          Form of Stock Option Agreement to be entered into
               with respect to Non-Incentive Stock Options

  4.4          Form of Stock Award Tax Notice

  5.1          Opinion of Malizia, Spidi, Sloane & Fisch, P.C. as to
               the validity of the Common Stock being registered

 23.1          Consent of Malizia, Spidi, Sloane & Fisch, P.C.
               (appears in their opinion filed as Exhibit 5.1)

 23.2          Consent of S.R. Snodgrass, A.C.

 24            Reference is made to the Signatures section of this
               Registration Statement for the Power of Attorney
               contained therein